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<br /> not be exercise�unreasonably. Lender may r�quire Bvrrower to pay, in connection with this Loan, either: �a}a on�-
<br /> time charge for flood z�ne determination, cert��cation and tracking ser�ices;or�h}a�ne-time charge for flood zone
<br /> de�ernunation and certificativn ser�ices and sub5equent charges each tim�remapp�ngs ar simiiar changes occur which
<br /> reasonably might affect such determinatian or �ertification, Borr�wer shall a�so be respflnsible for th�payment of
<br /> any fees imposed b�the Federal Emergency Management Ageney in��nne.��ion w�th the re�ie�v of any flood zvn�
<br /> d�terminat��n resulting fr�m an nbj ection by Barraw er.
<br /> If Barr�wer fails to maintain any of the ca�erag�s described above, Lender may obtain insuranc�co�erage, at
<br /> Lender's opt�an and Borraw�r's expense. Lender is under no obligati�n to purchase any particular type or amount
<br /> of ca��rage. Therefore, such co�erage sha11 co�er Lender, l�ut might �r might not protect Borraw�r, Borrower's
<br /> equity in�h�Property, or the contents of the Praperty, against any risk, hazard or liability and might pro�ide gr�ax�r
<br /> or lesser c��erage than was pre��ous�y in effec�, Borrovver acknowledges that the�os�af th� insurance�o�erage sv
<br /> o��aine�might signi�cantly ex�eed the cost of insuran�e that B�rr��ver�ou1d ha�e obtained. Any amounts disburs�d
<br /> by Lender under this Section 5 shall become additional debt af Borrow�r secur�d by th�s Security Ins�rument. These
<br /> amounts sha11 bear interest at the Note rate from the date of disbursement and�ha11 be payable, with 5uch inter�st,
<br /> upan natice from Lender to Borrower requesting payment.
<br /> A11 insuranc�policies required 1�y Lender and renewals of such policies shall be sub�ect to Lender's righ�t�
<br /> �isapprove such palicies, shal�include a standard mortgage clause, and shall name Lender as martgagee andlar as an
<br /> additiona��vss payee. Lender shall ha�e the right to hold the policies and renewal c�rtif�cates. If Lend�r requires,
<br /> Barrawer shall promptly giWe tv Lender all re�eipts of paid premiums and renewal notices. If Borrvwer obtains any
<br /> form af insurance co�erage, nat otherwis�required by Lender, for damag�to, or destru��ion af, the Praper�y, such
<br /> palicy shail include a standard mar�gage clause and sha1l name Lender as mortgagee andlor as an additionai Ioss
<br /> paye�.
<br /> In the e��nt of loss, Borrower sha��gi�e prompt notice to the insurance carrier and Lender. Lend�r may make
<br /> proof vf lvss if not made promptly by Borrower. Unless L�nder and B�rrower otherwise agree in writing, any
<br /> �n5uran�e pr��eeds, whether�r not the underlying insucance was required�y Lender, shall��applied to restoration
<br /> or repair of the Prvperty, if the restoration or repa�r is econ�mically fea5ible and Lender's security is nat lessened.
<br /> Dur�ng such repair and restarativn perivd, Lender shall haWe the r�gh�to h�1d such insurance proc�eds un�il Ler�der
<br /> has had an opportuniry to inspect such Pr�perty to en�ure the work has been comp�eted to Lender's sati sfaction,
<br /> pro�ided that such inspection sha11 be undertaken promprly. Lender may disburse proceeds for the repairs and
<br /> re5toration in a single payment or�n a series of progress payments as the work is comp�eted. Unless an agreement
<br /> is made in writing or Applicable Law requires interest to be paid on such insurance pr�ceeds, Lender sha11 not be
<br /> requir�d ta pay Borrower any interest or earnings on such prviceeds. Fees for public ad�usters, ar ot.h�r�hird parties,
<br /> r�tained by Borrower shall not be paid out af the insurance proceeds and shall be the sale��liga�on af Borrower.
<br /> If th�rest�ration or repa.ir is not economically feasible or Lender's securiry would be�essened,the insurance proceeds
<br /> shal�be applied to the sums se�ured by this Security InStxument, vWhether ar not then due, wixh th�excess, if any, paid
<br /> to B�rrower. Such insurance proceed�shall be applied in the ord�r pro�ided for in Section 2.
<br /> If Barrower aband�ns the Prnperty, Lender may �le, negotia�e and settle any a�ailab�� insurance c�aim and
<br /> related matters. If Borrow�r does not res�ond vvithin 3D days t�a no�.ce frvm Lender tha�the insuran�e carrier has
<br /> offered ta settle a ciaim, �hen Lender may neg�tiate and settle the claim. The 3�-day periad wili be��n when the
<br /> n�tice is giv�n. In either event, ar if Lender acquires the Property under 5ection 22 flr otherwise, Borrower hereby
<br /> assigns to Lender�a} �orrow�r's righ�s ta any insurance prnceeds in an amaunt nat to exceed the amounts unpaid
<br /> under th�Nate or this Security Instrument, and(b}any other af Borrawer's righ�s�other than the right to any refund �
<br /> of unearned premiums paid by BQrrower} under a11 insurance pvli�ies co�ering the Property, �ns�far as such righ�s
<br /> ar�applicabl�to th�co�erage af th�Property. Lender may use the insuranc�proceeds either to repair or restore the
<br /> Praperty or to pay amounts unpaid under the Not��r this Se�urity Instrument, whether or nat then due.
<br /> 6. Uccupancy. Borrflwer sha�l occupy, establish, and use the Property as Borrower's principal resid�nce
<br /> with�n b�days after the execution of this Security Instrum�nt and sha11 continu�to occupy the Property as Borrower's
<br /> principal residence for at least one year after the da�e of oc�upancy, unless Lender otherwise agrees in writing, which
<br /> NEBRASKA-Single Family--Fannie MaelFreddie Mac UNIF�RM lNSTR�MENT- MERS ��s���
<br /> Form 3D28 �1�1 Page 5 vf 15 www.dvcmagic.corn
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