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��15��73� reasonab�y m�ght affect�uch determina�t�on or certifi�a�t�on.F3orr�wer sha�l a�so be r�sponsib�e for the payment af any fees imposed by�he�ed�rai��n�rg��y Manag�rnent Agency in connectian w�th the review af any fload zone determination resu�t�ng from an objectivn by Bonower, If�orrower fa��s tc�maintai�any of th��overa�es described abov�,Lender may obta�n insurance ��verage,at L��der's�ption and Borr��er's expense. Lent�er is under na 4b�igation to purchase any pairt��u�ar type or arnount of��verage.Theref�re, such coverag�sha�l co�er L�nder,but might ar might nat pr�tect Borr��r, Borrawer`s�qu�ty�n the Property,or the canten�s of�he Prapert�y,against any r�s�,�.azard ot��ab��and might prov�de greater or�esser caverage than�aas previously in effect. Barr��ver acknativ�edges that the�ast of the i�suran�e�average so��ta�ned might significant�y exceed the c��t�f in5urance that Borrower cou�d have oh�a�ned.Any am�unts disbur�ed by Lender under th�� �ec�i�n 5 shal�become additional debt of Barr�tiver seeured�y this Secur�ty Instrument,Th�se amounts sh�l��ea�r i�teres�at t�.e I�a�e rate from th�date of di$bursement and�h�.l�be payable,v�ith such int�r�st, upon notice fro�n Len�.er to Borrower request�ng payrnent. Al��nsurance po��ci.es required by L�nder at�d ren�wals�f such pa�icies sha��be subjec�t t�Lender's r�ght ta disapprove su�h po��cies,sha11 inc�u�e a stan�ard rnortga�e c�ause,and�ha��name Lender as rnort�agee andfar as an additiona��ass payee.Lender sha��have the r�ght to ho�d the palicies and rene�va� cert�f��a�es.If L�nder requir�s,Barrov�er sha�t prvmptl�give ta Lender at�receipts af�aid premium�and renewa�notices.�f Borr��ver obtains any form of��surance�ov�rage,nat athervv��e r�qui�ed by Lender, f�r damage to,�r d�st�+uct�an�f,th�Prope�rty,su�h policy�ha.il in��ude a standard mortgage�lause and s�all name L�nder as mort�agee andlor as att add�t��na��os�p�.yee. In the e��nt af ioss,�orxawer shal�give pra�npt notice ta t��insuran�e car�ier an�.Lender. Le�der may make proof af loss if not�ad�prannptly by Borrv�rer.LJnle�s Len��r and�3orro�v�r other�rzse agree in �iting,any insuran��roc�eds��avhe�her or not��ae�nc�erlying insuraance�was requx.r�d by Len�er, sha�l b�appii�d to restvration or r��air Qf t�ae property, �f th�res�arat�on or repair is ecanon��ca��y feas�bl�and Lender's secur�ty is not I�sse�.ed.I.3�rxn�;such repair�nd restarati.��peri�d,I��nder sha��ha�e�he r��h� to ho�d such�nsu.ra��proc�e�s unt��Lender has had an Qpportun��y ta inspect such Property�o ensure the�ork has be�n carnplet��to Lender's�at�sfa�tion,prav�ded that�uch inspection sha�i h�un�ertaken prornpti�, Lender may disburs�proceeds fvr the repairs and�r�stflrat�on in a single pa�rne�at or u�a series of pro�x-ess pa}�ments as the work is ca�npleted.Un�ess a��greemen�zs made in writing or App�icab�� Law requir�s znter�st to be paid on such insuran�e proceeds,Lender s�a��not b�required to pay Borrawer any�ater�st o�earnings on suc�proceed�. Fees for pub�ic ac��uster�,or ather third parties, reta�ned by Borrower sha11 not be pai�out of the insurance proceed�and sha�Z be the so�e ob�igation af �arro�v�r, If the res�arat�on ar repair is not economically feasib�e or Lender's securit�r would�e �essened,the inst�.rance proceeds shai�be app�ied to th�sums se�ur�d by this Secur�ty Instrument, v�hether or n�t th�n�.ue,with th�exc�s�,if any,paid ta BorrQ��r. Such i�sura.nc�prac�eds sha�l b� app�ied in th��rder pravide�for i.n Se�tion 2. If Borrow�r abandot�s the Prap�xfiy, Lender m�y fi�e,negotiat�and settle any avai�a�l�e�nsurance ciaim and re�a�ed rnat�ers.�f Borra�aver does not.respand w�th.�n 3�d�.ys tio a notice fr�m Lender that the in�uranc�carrier has affered�o se�tle a claim,then L�nder rnay n�g�tia�e�nd sett�e the+claim.The 3�-day p�riod w��begin v�h�n�he nat�c�i�given.In e�ther ev�nt,o�r if Lender a�quir�s the Proper�und�r Sect�a�.22�r oth�rwise,$�rr��ver hereby assi�ns to Lender�a}B�rro�er`s rights to any insuranc� proGeeds in an amaunt nat to exceed th�amoun�unpaid u�.der the Note or�hi�Se�urity�nstrument,and �b}any other of�orrawer's ri��xt��ather than the right to an�refund af un�arned�remiums p�id b� FHA Deed�f Trust With MEF�S-ME 9l343f24f4 Bankers SystemsTMi VMP� VMP4N[NE}[154Q}.4Q Wa�ter�K��wer Financial�erv�ces Page 7 of 77 qD334G �.0$ � Q �� a� � 1�