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��15�39�� AI� insurance p��icies required by L.ender and renev�rals�f such polzc�es �hal�b�subj�c�to Lend�r's righ��o d�sappr��e such po�i�ies, shall inc�ude a standard mor�gag�clause, and shali name Lend�r as mor�gage� andl�r as an add�tiona� 1�ss payee. Lender sha��have the right t�ho�d the p��ic��s and r�newai cert�ficates. �f Lender requires, Borrower sha�� promp��y give ta Lender aI� receip�s nf paid premiums and r�newal n��ces. If Borrower obtains any f�rm�f�nsurance co�erage, no�o�herwise requir�d by Lender, for damage to, or des�ruct�on af, the Prop�r��, such po��cy shall inc�ud�a standard mortgage clause and shalX name Lender as mor�gagee andlar as an addi�iona� �ass payee. �n the e�en�of 1oss, Borrov�er�ha�i give prompt n�t�ce�o the�nsuran�e carr��r and Lender. Lender may mak�proof of loss �f na�made promp��y b� Borrower. Unless L.�nd�r and Borrovver otherw�se agree �n wr��ng, a7n�r insurance proceeds, whether or n�t the unde�r�y�n� �nsurance was required b� Lender, shai�be applied�a res�ora�ion or repa�r of the Proper�y, xf the res�orat��n or repair�s e�onomicai�y feasib�e and Lender's secur��y xs no��essened. Dur�ng such repair and restorat�on peri�d, Lender sha��ha�e the right�a h�ld such insurance praceeds unti� I.�nder has had an oppor�unity�� insp�ct such Praper�y�o ensure the work has been comple�ed ta L,�nder's sa�isfac��on, prov�ded�hat such inspect�on sha�I be under�aken pronlp��y. Lender ma�disburse pr�ceeds f�r�he r�pairs and rest�rat�on�n a s�ngle paymen�or�n a ser�es of progress paymen��as the work is comple�ed. Unless an agreement�s made�n vvriting ar App�icable Law requir�s interes�ta be pa�d�n such�nsurance proceeds, L.�:nder shal�nat be requ�red to pay Borr�w�r an�r in�erest ar earn�ngs on such proceed�. Fees for pu��c adjus�ers, or a�her�hird par�ies, r�ta�ned by Barrov�er shall not��paid aut af th�insuran�e proceeds and sha��be the soie ob��gatian af Borrawer. �f�he restoration or repair�s n��econ�mica�ly feasib�e or Lender's se�urity would�e lessened, th��nsurance pr�c�eds sha�l be appiied�a the sums secured b�thzs Securi�� Ins�rumen�, �vhether or no�then due, �i�h�he e�cess, if any, paid�o Barrower. Such �nsurance proceeds sha11 be app�ied�n the order pro�ided f�r in 5��on 2. �f Borrowe�r aband�ns the Proper�y, Lender may fi�e, nego�iate and set��e ari.y a�ailab�e insuranc�claim and rela�ed mat�ers. If Borrower do�s not respond wi�hin 3�days to a na�ice from L,�nder that the�nsuranc� carr�er has offered to set�le a c�aim, ��.en Lend�r may neg��iate and settie the��aim.. The 3�-day period wi11 begin�rhen the notice�s gi�en. In ei�her��en�, or�f Lender a�quires�h�Prnper�y under Sec�ion 2�or otherv��se, Borrower hereby assigns t� Lender�a} Borrovver's rights t�any insurance pr��eeds �n an amoun� not�o exceed the amounts unpaid under the No�e�r this Security �ns�rume��, and�b} an�other�f Borrower's r�gh�s �other�han the right�o an�r refunc�of unearned premiums paid�y Borr�wer}under a�1 insurance policies co�ering�he Praperty, �nsofar.as such righ�s are applicab�e to�he coverage�f�he Proper��. Lender may use�h.e insurance proce�ds ei�h�r t�repair or restore the Praper�y or to pay amounts unpaxd under�he N��e or this Security�nstrument, whether ar not then due. �. Dccupancy. Borr�wer sha�� occupy, es�ab�xsh, and us�th�Froperty as Borrou�er's principal residence within d�days after the execu��n af th�s S�curi��r�nstrument and sha1� con�inue�o oc�up�r the Propert�as B�rrower's principal res�dence for at�eas�one year af��r the da��of occupancy, unless Lender otherwise agr�es xn writing, which c�nsent shal�not be unreasonab�y wi�hhe�d, or unless e�.tenuating c�rcumstances ex�s�wh�ch are�ey�nd Borrower's con�ro�. 7. Preser�at�on, Maintenance an� Pratection vf the Praperty; Inspectivns. garrnwer sha�1 not destray, damage or�mpair�h�Froper��, ai�Qv� the Proper�y to deteri�ra�e or comm�t waste�n�he Propert�. �Vhether or not Borr�wer is residing�n�he Property, Borrawer�hal�main�a�n�he Proper�y in arder�o prevent the Property from de�eriora�ing or decreasxng �n value due�o i�s condi��on. Unless it�s de�ermined pursuant ta Se�tion S that repair or rest�rat�on is nat��onamically feasib�e, Borro�rer shal�pr�mp��repair the Prop�r�y if damaged�o avo�d fur�her deteri�ra�i�n or damage. If insurance or c�ndemna�ion prflceeds are paid in connec�ian wi�h damag��o, or�he taking of, fih� Pr�per�y, Borrower shal�be responsib�e for repairing or restoring �he Property only if Lender has re�eased proc�eds for such purpos�s. Lender rn.ay d�s�urse proceeds N�BRASKA-S�ngle Fami[y-Fannie MaelFreddie Mac UNIF�RM fNSTRUM�NT �orm 3��8 11D1 VMP� VMP��N��t13D2y Wolters Kfuwsr Fi�ancial 5er�ices P�J��o��