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��14��34 servi�es and subse�uent �harges ea�h time remappings or similar �hange� ot�ur whi�h reasonably might affect such d�term�natian or certificati�n. Borrower shal! also be resp�nsible for the payment of any f�es imposed by the Federal Emergency Management Agenty in conne�tion with the re�iew �f any flood zone de#erminativn resulting fr�m an objection �y Borr�w�r, � If Ba�rower fa��s to maintain any of the �o►rerages descr�bed ab�ve, Lender rnay ob�a�n insuran�e�o►►erage, at �ender'��ption and B�rrower's exp�nse. �ender�s under no ob�igativn to pur�hase any particular type or amount of coverage.Therefore�such cnverage shall cov�r Lender. but migh�or might not protect Borr�wer� Borrower's equity in the Property� or the contents �f th� Properky, against any risk, hazard or liab�lity and might pro�ide greater or lesser�o�e�age than was�re�iausly �n effect. Borrawer acknowfedges that the �ost �f the insuran�e ca��rage s� ohtained rnight significantly ex�eed the cost of Ensuran�e that Borrower could ha�e abtained. Any am�unts disbursed by ��nder und�r this 5ec#�on 5 shall hecome addit�onaf debt of Bo�rower secured by this Security �nstrument. These amoun�s shal� bear interest at the Note rate from the date of disbursement and shali he payable, with suth �nterest, upon noti�e from L�nder to Borr�wer req u esti ng payment. All insurance p�li�ies required by Lende�and renewals of su�h pali�ies shall be sub�e�t to ��nder's right to ��sappra�e such policies. shall include a standard m�rtgage clause, and shall name �ender as mortgagee andl�r a�an additional Ioss payee. �ender shall ha►►e the right to h�ld th� p�li�ies and renewa! cert�ficates. If L�nder requires, Barrower shall promptly gi�e to Lender al� receipts of paid premiums and renevvaf n�tices. If Borrower ohtains any f��m of insuranc� �o��rage, not oth�nivise required hy Lender, f�r damage to, or destruction af. th� Property, su�h policy shalf in��ude a standard rnortgage �lause and shall name �ender as m�rtgagee andlor as an additional lass payee. In the �vent of lass. Borr4wer shall gi�e pr�mpt notic� t� the insurance carrier and �end�r. �ender may make proof of loss if not made promptly by Barrower. Unless Lender and Borrower othervrrise agre� in wr�ting, any �nsurance pra�eeds, whether or not the underlying Ensurance was r�quired by Lender, sha�l be ap�li�d to restoration or repair of the P�operty, if the restoration ar repair is ecflnom�eally feasibie and Lend�r's security is not lessened. During su�h repair and restorati�n period, Lend�r shall ha�e the right to hold 5uth �nsurance pr��eeds untii Lender has had an opportunity to inspe�t su�h Praperty to ensure the work has been ��mplete� to Lender`s satisfaction, pra�ided that such inspe�ion shal� be undertak�n promptly. �en��r may disburse pra�eeds for the repairs and restorat�on in a single payment or in a series of progr�ss payments as rhe work is comp�eted. Unless an agreement is made in wri�ing or Appiicable Lav�r requires interest tfl �e paid fln su�h insurante proteeds, Lender shai! n�t be required to pay B�rrawer any interest or�arnings�n such proceeds. Fees f�r �ublic adjust�rs, or other third parties. re�ained by Borrower shall nat b�paid out of the insurance pro�e�ds and shall he the sole obligatian of Borrowe�.If the restoration ar repair is n�t etonomically feasible or �ender's s�curity would he IessQned.th� insurance�roteeds shall b� appli�d to the sums s�cured by this 5e�urity Instrument. whether or not then due, with th� excess. if any, paid t� Borrower. Such insurance �ro�eeds shail be app�ied in the order pra�ided f��in Seetian 2. If Borrawer aband�ns the Property, �ender rnay file. negotiat� and settl� any a�ailable insurance claim and re�a�ed ma�ters. If B�rrflwer dves n�t respond uvithin 3D days tv a n�tice from Lender that the insuranc� c�rrier has offered �o settle a claim. then Lender may nego�iate and settle the �1aim. The 3D�ay period will hegin when the n�t�ce is gi►►en. In e��her e►►en#� or if �ender acquires the Property under Section zz ar o�herv�rise, Borr�wer hereby assigns to Lender�a) Borrower's rights to any �nsurance proceeds in an amaunt not �v exee�d the amounts unpa�d under �he Note ar �his Security Instrument. and �b� any other of Borrower's r�ghts �vther than the right ta any refund of unearned premiums paid by Borrower} under al! �nsurance R�lic�es c�►►ering the Property, insofar as such r�ghts are applicable to th� c��rage of the Property. �ender rna� use th� insuran�e pro�ee�s either �a repair or res�ore the Pr�perty or to pay amaunts unpa�d under the Note or�h�s 5e�urity Instrument.whether or not then due. Od7 72398�635 �itibank 3.�.84.07 V� N�BF'taSKA�ing#�Familyfannle MaelFre�die Ma�UNIF�RM INSTRUMENT WITH MERS Form 30�8 1101 VMP� VMPSA(ME](130�).DO Wniters Kluwer Fina�cial 5er►�ices p�g�7 af�7 t � ;