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� . • . 201208202 services and subsequent charges each time reroappings or sinillaz changes occur which reasoiwbly nuglit xffect such detemuna[ion or certificatiou. Borrowec shall also be responsible for the payme�u of auy fees imposed by the Federal Emecgency Management Agency in coimection widi the review of any fla�d uine detennivatiou resultiug from an objection by Bur�ower. If Borrower fails to maintain any of die coverages dexribed above, Lxnder may obtain iiisu�auce coverage, at Lender's option and Borrowec's expe��se. Lende�is�nder uo obligation to purchase auy particular type or auioant of coverage. Therefore, such coverage shall cover Lzi�der, bu[ uvght ox nright not p�otect Borrower, Borrower's eyuiry in the Property, or tlie contents of[he Property, against any risk, l�azard or liability and migl�t provide gceater or lesse�cove�age than was previously in effeet. Borrower acknuwledges diat the cost of the iiLcurance coverage so obtaiued nught sig�uticantly exceeJ the cost of insurance that Borrower rnuld have obtained. Any amounts disbursed by Levder unde�[his Section 5 shall become x�ditional debt of Borrower secured by d�is Securiry Instrumenc. These amouuts shall bea�interest at the Note�ate fron the date of disburseme�t and shall be payable, wiU� such interest, upon uotice from Lender to Borrower requesting paymeiu. All insara�xe policies required by Lende�aud renewals of sucl�policies sliall be subject to Lendec's right to disapprove such policies, shall include a staudaed mortgage clause, and sliall name Le��der as mortgagee andlor as a�i additional loss payee. I.ender shall l�ave the right to hold die policies and renewal certificates. If Lende<<equires, Borrower shall prompdy give to Lender all receipts of paid premi�ms and renewal no[ices. If BoLrowet obtains any fomi of insurance coverage, no[oNierwise required by Lender, for damage to, or destruction of, the Property, sucli policy shall i��clude a standard mortgage clause and sl�all iume Leudec as uiortgagee and/or as an additional loss payee. In d�e event of loss, Borruwer shall give prompt notice to[he iasurauce carrier and Lender. Lender may make proof of loss if not made promptly by Burrower. Unless L,ender avd Borrower odierwise agree in writiug, :ury insurance proceeds, whether ur not the uuderlying insurance was required by Lender, shall be applied to restoratiou o�repair of the Prope�ry, if die restoratiou or repair is economically feasible and Leixle�'s security is uo[ lessened. Du�ing sach�epaic and resroratioii perioel, Lender shall have the right to l�nld such iusurance proceeds antil Lender has liad an opportuuiry to inspect such Property to rnsare d�e work has been completed to Lender's satisfacrion, provided[hat such inspection shall be uude�takrn prompdy. Lender may disburse proceeds for d�e repairs and restoration in a single payment or in a series of progress payments as the work is completeci. Unlese an agreement is made in writing or Applicahle Law xequires interest to be paid ou such iusurance prcxeeds, Lender shall not be requirecl to pay Borrower any interest ox earirings nn sach pxoceeds. Fees for public adjuste�s, or otl�er third �arties, retained by Bonower shall not be paid out of the insurance proceeds ttvd shall be the sole obligation of Borrower. If the resrocatiou or repair is not economically feasible or Lender's securiry would be lessened, N�e insurance proceeds shall be applied to the sums secured by this Security Irustrument, whether or not d�en due, wiNi tlie excess, if any, paid ro Borrower. Such insurance proe;eeds sl�all be applied iu the o�der proviUed for in Section 2. If Borrowe�abaudous tUe Propeny, Lender may file, negotiate a��d settle a��y available i��surance claim and related matters. If Boxxower does no[ respond witliin 30 days to a i�otice from Lendex d�at the insurance canier has offered to settle a claim, then Lender may nego[iate and se[[le We claim. The 30-day peri��will begin wheu tlie naice is given. In either event, or if Lender acyuires the Properry uuder Section 22 or odierwise, Borrower l�ereby assigiu to Leiuler(a) Borrower's rig6ts tu any insurxnce proceeds in an amount not ro exceed the amounts wipaid uudec die Note or diu Securiry]ustrument, and (b) any other of Borrower's riglits(odier than die riglit to any refi�nd of unearned premiums paid by Borrower) under all i�uur:mce policies covering the Property, insofar as sucli rights aze applicable to tlie coverage of tlie Property. I,ender may use die insurance proceeds either to repair or restore t6e Property or to pay amounts ❑npaid ander tlie No[e ur this Security Lutrun�ent, wheH�er or not then due. 108ANE OOO6B]063Y40 Septamber 11, 2012 NEBRASKA-Single Famiry-Fannie Mae.�FredGie Mac UNiFORM INSTRUMENT W ITH MERS Form 3048 1/01 VMP(�9 VMP6AINEI(�105).00 1Volters Kluwer Financial Services Page]of 1]