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��15�1�75 A�� insurance poiicies required by Lender and ren�wals af such poiicies sha�l be subjec�� Lender's right to d�sapprove such policies, shall in��ude a standard mortgage c�ause, and shal� name L�nder as martgagee andlor as an additiona� �oss payee. Lender sha��ha�e the r�gh� to hoid the poiicies and renewal eer�ificates. �f Lender requires, Borrower shall pramptly gi�e to Lender all receipts of pa�d premiums and renev�al notic�s. If Barrower obtains an� form of insurance co�rerage, n�t o�he�-v�rise required b� L.ender, for damag��o, or destructi�n of, the Proper�y, such po�icy sha�� include a standard mortgage clause and shai�name Lender as mortga�ee andlor as an add�t�ona� �oss paye�. �n the�vent of Iass, Borrower shall give pr�mp�not�ce�o the insurance�arrier and L.�nder. Lender may mak�proof of��ss if not made prompt�y b� B�rrower. Unless Lender and Borro�er othervvise agree in writing, an� insurance proceeds, whe�h�r or no��he under�y�ng�nsurance was requir�d�� Lender, sha�l�e app�ied to res�oration or repair of the Proper��, if�he restoration or repa�r is ecflnomicall� f�asible and Lender's secur�� is no��essened. During such repair and rest�ration period, I,ender shall ha�e�he right to hold such insurance�roceeds un�il Lender has had an flpportun��ta �nspect such Proper��o ensure t�e work has b�en camp�e�ed t� Lender's sa�isfact�on, pro�r�ded that such�nspect�on sha��be under�aken promptly. Lender may disburse pro�e�ds for�he repa�rs and restora�ion in a sing�e paymen�or in a series of progress paymen�s as �he wark is c�mpleted. Unless an agreement is made in wri�ing or App�icable Law requ�r�s in�erest tn be paid on such �nsurance proceeds, Lender shall no��e requir�d�o pay Borrower�ny �n�erest nr earn�ngs�n such prtice�ds. Fees for pub�ic adjus�ers, or o�h�r third par�ies, re�ain�d�y Borravwer shai� not be paid out of the�nsuran�e proceeds and sha�l be the sole o�iigat�on af Borrawer. If�he res�aratian ar repair is no�e�onamical�y feasi��e or Lender's securit�would be lessen�d, th�insurance proceeds sha1�be app�i�d��the sums secured by th�s Secur�ty �nstrum�n�, whether or n�t�hen due, with the�xcess, xf any, pa�d t� Borrow�r. Such �nsurance proceeds shall �e appl�ed in the arder pro�vided f�r in Sec�ion 2. �f Bor�rower abandons�he Prope�-��, I.�nd�r may f�le, n�gatiate and set��e a�y a�ailab��insurance claim and rela��d matters. �f Borrov�er does no�respond w��hin 3�da�s t�a nati�e from Lender�hat the insurance carrier has offered to �ettle a c�aim, �hen Lender nza�neg�tiat�and sett�e�he claim. 'T`he 34�day period will beg�n when Che natice�s gi�en. In�i�her e�ent, or�f Lender acquires the Proper�y under Sect�on 2�ar o�herwise, Borrower hereby ass�gns �o Lender�a� B�rr�wer'� r�ghts to an��nsurance proce�ds in an amoun� no�to exceed the amounts unpa�d under the No�e or this Security �nstrument, and �b} any other�f Borrower's ri�hts �ather than the r�ght to an�r refund�f unearned premiums paid�� Borr�wer}under a11 �nsurance pal�cies�o�er�ng the Froperty, insofar as such righ�s are app�icable�o the�o�verage of�he Proper�y. Lender may use the insurance proceeds either to repair or res�ore tihe Pr�per�y or��pay amounts unpaid under the Note or this Secur��r �ns�rumen�, wheth�r ar na�then du�. 6. �ccupancy. Barrower sha��a�cupy, es�ab�ish, and use the Proper�y as Borrower's pr�nc�pa� residenc� w�th�n��days af�er�he��ecu�ion of�his Securi�y Instrumen�and�hal��flnt�nu�to occupy the Proper�y as Borro�er's princ�pal residen�e f�r at least one year after the date af occupanc�, uniess I�ender o�herwise agrees �n wr�ting, wh�ch consent shall no�be unreas�nabl�w��hhe�d, or unless ex�enuat�ng circumstances ex��t which are�ey�nd Borro�ver's con�rol. 7. Preservatian, Maintenance and Pratection of the Praperty: Inspe�tivns. Borr�v�er shal� no�des�roy, damage�r�mpaxr�he Praperty, a�iov�the Prvper�y�a deter��rate or commiC waste on the Pr�per��r. Whe�her or not Borrower is residing �n the Praper��, B�rrower sha�l rnainta�n the Propert.y in order to pre�ent th� Property from det�riflra�ing or decreasing in�ra�ue due to ��s c�ndi�ion. Unless it is determined pursuan�to S�cti�n 5 �hat repair or res��rati�n �s not econam.�cai�y feas�ble, B�rrower sha��pr�mptly repair the Proper�y �f damaged ta aWoid fur�h�r deter�nration or damage. �f�nsurance or condemnation proceeds are paid �n connec��on w��h damage�o, �r�he�aking of, the Property, Borrower sha��be respons�b�e for repairing or r�s�oring��he Prapert�on�� if Lender has re��ased proc�eds f�r such purp�ses. L�nder ma�disburs�proceeds N�SRASKA-Single Famity-Fannie Ma�IFreddi�Mac UNt�DRM INSTRUMENT Form 3428�ID� VMP� VMP6�NE�{�3�23 Wvliers Kluwer Finan�iat S�r�ices Page 7 of�7