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201401367 services arid subsequent charges each time remappings or similar changes occur w�€ich reasonahly naight affect sueh de4ennination or certificaEion. �orrawer shall also be responsible for khe payment af any fees imposed by ttee Federal Emergency Manage�nent Agency in connec#ion wi#h the review of any flood zane determination resuiting from an objection by Borrawer. �f Borrower fails to maintain any of the coverages described above, Leader may obtain insurance coverage, at Lender's option and Sorrower's expense. Lender is under no obligaEion ta purehase any particular type or amount of coverage. Therefore, such coverage shalI cayer Lender, but might or maight not grotect Borrawer, Borrower's eqnity in rhe Properiy, or the conten#s of tt�e Propeety, against any risk, hazard or liability and might prav7ide greater or Lesser coverage than was previously ia effect. Borrower acknowledges that the cost of the insurance coverage so obtained rnight significantly exceed the cost of insurance that BQrrower conld �ave obtained. Any amounts disbursed by Lender under this Section 5 shall beco�ne addifiozxal debt of Bnrrower secured by this Secnrity I�strurnent. These arnovnts shall bear interest at the Note rate fram the dake af disbursemenr and shall be payable, with such interest, upon r�atice from Lender to Borrower requesting paymeat. All insurance policies requized by Lender and renewals of such poiicies shall be subject to Lender's right to disapprove such policies, shall include a standard marfgage clause, and shali name Lender as mortgagee and/or as an additiorial loss payee. Lender shall have the �ight to hold the policies and renewal cez-tificates. If Lender reqnires, Borrower shall gromgtly give to �.ender all receipts of paid premiums and renewal notices. If Borrovver obtains any farm of insuranee covera�e, not o.therwise required by Lender, for damage to, or destruction of, the Property, such galicy shall include a standard martgage clause and shall �anne Lender as�rraort�agee and/or as an additional loss payee. In tkze event of loss, Borrower shall give prox�pt notiee to the insuranee carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Llnless Lender arid Borrovuer otherwise agree in writing, any insurance proceeds, whether or not the underlying iunswrance was req�ired by Lender, shall be applied to restoralian ar repair of tl�e Pmperty, if the restaraiian or repair is econamically feasible and Le�der's security is nat lessened. During snch repair and restoration periad, Lender shall have the right to hold such insurance praceeds nntil Lender has had an opportunity to inspect such Proper�y to ensure the work has been campleted to Lender's satisfactian, provided that sucl� inspectiom sha11 be undertaken promptly. Lender may disburse proceeds for the repairs and restoration in a single payment or 'rn a series of pragress payutents as the work is completed. Unless an agreeznent is an�ade i�► writing or Appl'rcable Law � requires interest to be paid on such i�rsurance proceeds, Lender shall not be required to pay Bonrower any interest ar earnings on such proceeds. Fees far publie adjusters, or other third parties, retained by Borrower shall not be paid ant of the insurance praceeds arad shall be the sole ohligation of Barrower. If the restoration or repair'rs not economically feasible dr Lender's security vironld be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instre��nent, whether or nai then due, with the excess, if any, paid ta�orrawer. Snch insurance procee�s shall be applied in the arder provided�'ar in Sec6on 2. If Bo�rirower abandans the Prt�perty, Lender �nay file, negotiate and settle any avaiIabie 'rnsurance clairn and related matters. If Sorrower does not respond within 30 days to a notice fram Le�der ttcat the insurar�ce carrier has affered to setfle a claixn, then Lender rnay nego�iate and settle the claim. The 30-day geriod wi�11 b�gin when the notice is given. Zn either event, ar if Lender acquires the Property under Section 22 ar otherwise, Borrower hereby assigns to Lender {a) Borrower's rights to any insurance�roceeds in an amount not ta excee� the amounts unpaid under tl�e Note ar this Security Instrument, and (h) any other of Borrower's rights {otk�er than the right to any refund of unearned premiums paid by �orrower) under all inswrance policies coverin� #he Property, insofar as such rights are applicable to tk�e caverage of the Propearty. Lender may nse khe i�surance proceeds either to repair or restore the �roperty or to pay arnounts nngaid under Ehe Note or fhis Security Instrurnent, whether or not�Cen du�. OUti23$73783 I009123873783] fdEBRASKA-Single Family-Fannie MaelFreddie M1lFac LINIFORM INSTRUMENT WITH MERS Form 3028 1IOT VMP p uMP6A{NE)(i3D2).0(3 Wol[ers Kluw�Financiaf ServiCes Page 7 oP 97