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2� 1 ��4�41 serv�ces and subsequent charges ea�h time remapp�ngs or s�m�lar chan�es occur which reasonably migh� affect s�ch determina��o�or certifi�atian.�orrav�e�shal�also b�r�esponsible for th�pa�yn�ent of any fees imposed by the Federal Emergency Management Agency in conn�ction with the review of any flood zone deterrriination resulting fram an ob,�ectian by Bonawer. If Borrower fails�o maintain any oF the coverages described above,Len.der may obta�n insurance cover�ge, at Lender's option�nd Borrower's�xpense. Lender is under no ab��gatx�n to purchase any par�icular type�r amount of coverage. Theref�re, such co�erage sha11 cover Lend�r,but might or might not prat�ct Borrower, B�rrow�r's equity in the Pro��rt�,or the con�ents of the Property,against any ris1�,hazard ar liabil�t�and might pravide greater or lesser coverage than was previously�n�ffec�. Borrower acknowledges that the cost of the �nsurance c��erage so obtained might signif cantly exceed the cost of insurance that Bano�er cauld have ob�ained.Any amaunts disbursed by Lender unde�this Sectian 5 shall become additianal debt�f Borrower seeured by this Security Instrumen�.These amaunts sha11 bear interest at the 1�T�te rate from the date Qf disbursement and sh��be payabl�,with such�nt�rest,upon notice frvm Lender t��nvwer requesting payment. All in�urance policies required by Lender and renewals of such policies sha11 be subj ect to Lender's rig�t to disapprove such polici�s, shall incl�de a standa.rd mortgage clause,a�nd shall name Lender as mar�gagee andlor as an�dditi�nal loss pa�ree. Lend�r�hall have the r�ght to hald�he policies aad r�newal certificates. If Lender requires,Borrov�rer shall promptly give to Lender all rece€pts of paid premiums and renewal notices. If Borr�wer obtains any form of insurance Goverage�not otherwise required by Lender, for damage to,or de�truction of,the Praperty, such po�ic�shall include a sta.ndar�m�rtgag�clause and shall name Lender as mortga�ee andlar as an additionalloss payee. In the e�e�t of loss,Banow�r sha11 give prompt notice to the insurance carrier and Lender. Lender may make proof of lass if not made promptly by B�rrower.Unless Lender and Borrower otherwise agree in �vriting,any insurance procee�s,w��th�r or nat the und.�rlyi�g insuran�e�vas required by Lender, shal��be app�ied to restoration or repair of the Property, if the restora�ion or repair is econ�mically feasib�e and Lender's security is not Iessened. During su�h repair and restoration period,Lender sha11 have the right to hold such in�urance proeeeds until Lender has had an oppartunity to inspect such Property to�nsure the work has beea completed to Lender's satisfaction,provided that such�n�pection sha��be undertaken pramptly. Lender may dis�urse pr�ceeds for the r�pairs and restoration.in a single paymen�or in a series�f progress payments as the work is comp�eted.Unle�s an agreement is made in vvriting or Applicable Law r�quire�interes�ta be pa�d on such insurance proceeds,Lender sha�l not be requ�red to pay Borro�ver any interes�or earnings on such proceeds. Fees for public adjust�rs,or oth�r third parties,�retained by Barrower sha11 not be paid out of the in�urance proceeds and shall be the sole obligation af Borrower. If the restaration or repair is not�conomically feas�b�e or Lender's securi�y wou�d be lessened,�he�nsurance proceeds�ha11 be applied to the sum�secured by this Security Instrument,whether or not then due,with the excess, if any, paid to Borrow�r. Such insurance proceeds sha11 be applied in the order provided for in Secti�n 2. If Borrower abandons the Property,Lender may fi1e,negotiate and sett�e any a�ailab��insurance�1�im and related matters.If�orrov��r d.oes not respond wi�hin�34 d.ays�a a notice�ro�rn Lender that the insurance carri�r ha�off�red fio set��e a claim,then Lender may neg�tiate an.d settle the claim. The 3�-day period will begin when the notice is given. In either��en�,or if Lender acquires the Property under�ection 22 or Qtherwise,Borra�er hereby ass��ns to Len�er�aj F3on�wer'�rights to a��nsuranc�proceeds in an arrYaunt not to exceed the amoun#.�un.paid un.der the Note or this Security Instrument,and�b}any vther of Bonovv�r's righ�s(o�her than the r��ht to any refund of unearned premiums paid by��rrower)under all in.su�ance poiicies covering the Froperty,insofar as such rights axe applicable to the cov�rage nf th� Property. Lender may use the insurance proceeds either to repai.r or res�ore th�Proper�y vr to pay amounts unpaid under the Note or this Se�urity�n.strument,vvhether or n��then due. NEBF�SKA-Single Fami�y-Fannie MaelFreddie Mac UNIF�RM INSTRUMENT W1TH MERS Form 3428 11�1 VMP� VMPBA(NE}{1342}.4Q Wo�ter�Kluw�r Financial Senrices Page 7 of 1� q�335�44824� 4233 275 �717