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2� 1 ��4�44 Ai� insurance policies required by Lender and renevva�s of such p�l�c�es shaii be sub�ect ta Lender's right to disapprove such poi�cie�, shall inc�ude a standard mortgage clause, and shal� name L�nd�r as mortgagee andlor as an additional loss pa�ee. Lender sha�l hav�the righ�to ho�d�he po�ic�es and renewai cer�i#icates. Xf Lender requ�res, Borrower shali promp��y give to Lender aII receipts of pa�d premiums and renewal notices. If Borrawer o�tains an� form af insurance coverage, not otherwise required by L.end�r, f�r damag��o, or destruction of, the Proper�y, such po��cy shaii include a standard martgage clause and sha��name Lend�r as mar�gagee andlo�-as an add�t�onal Ioss payee. �n the��ven�of lnss, Borrower sha�i gi�e prampt natice ta �he in�uranc�carr�er and Lender. Lender may make proof af loss if not made promptly b�Borrovv�r. Un�ess Lender and Barrower o�herwise agree �n �rri��ng, any insurance proceeds, whe�her�r not the under�ying insurance was required b�Lend�r, shaii be applied�o restora�ion or repair of the Proper�y, �f the restora�ion or repair is economically feasible and I.�nder's security �s nat�essened. During such repazr and restorati�n per�od, Lender sha��ha�e the right to hald such insuran�e pro�eed�unti� Lender has had an oppor�unity�o inspect such Proper�y ta ensure the work has been c�mpleted to Lender's satisfact�on, pro�ided that such inspection shal�be undertaken �romp�I�. Lender ma�r dis�urs�proceeds for�he repairs and r�storati�n in a sin��e payment or�n a series of progress payments as the v�ark�s comp�eted. Unless an agreem.ent �s made in wri�ing or Applicab�e Law requires in�er�s�to be paid on such insurance proceeds, Lender sha�� not be required�o pay B�rro�nrer an�r interes�or�arning�on such proce�ds. Fees for pub�ic adjusters, or o�her�h�rd part�es, reta�ned by Borrovver sha�l not be paid out of the in�urance�roceeds and sha�l b��he sale obiigation of Bor�-ov�rer. �f�h�r�s�ora�ion or repair�s no� economicai�y feasibl�or Lender's se�urit�v�rouid be��ssened, �he insurance praceeds sha��e app��d to�he sums secured by�h�s Secur��nstrument, �he�her or not th�n due, vvith�he excess, if any, paid to Borrow�r. 5uch insurance pr�ceeds shall be app��ed �n the order prov�ded for�n Sect�on 2. If Borrower abandons �he Praper�y, Lend�r rna� file, negatia�e and s�t�Ie an� availabie insurance claim and r�Iated ma�ters. �f Borrower do�s not r�spond w�th�n 3D da�s to a notice fram Lender that the insuranee carrier has offered�o sett��a claim, then L�nder ma�ne�otia�e and se�tle the cla�m. T��30-da�per�od�i�l begin when the no��ce�s gi�r�n. In ei�her euent, or if Lender acqu�res �he Praper�}�under Sec�ian�2 ar atherv�r�se, Barrower hereb� ass�gns�o Lend�r�a} Borrower's ri��s �o an�r insurance pra�e�ds in an amount na�ta e��eed�he arrioun�s unpaid under the Note or this Security Instrument, and�b} any other�f Borrov�er's rights �other than the ri�ht to any refund of unearned premiums pa�d by Borrawer}under a�i insurance paiicies cQ�ering�h�Prop�rt�, insofar as su�h right�ar�app�icable tn the co�erage of�he Prop�rt�. Lender may use the insurance proceeds e��her�o repazr or restnre the Property or�o pa� amaunts unpaid under the Na��or�his Security Instrumen�, wh�ther�r nat then due. 6. Dccupancy. Borrow�r sha�l oc�upy, establ�sh, and use the Property as Borrovver's principal residence wi�hin�D days after the execu�ian of this Security �nstrument and sha��cont�nue t� occupy the Propert�as Barrovv�r's principa� res�dence fQr at leas�one�ear af�er th�da�e of��upancy, unless Lender otherwise agrees in wri�ing, which consent shall no�be unreasona��w�thhe�d, �r unless extenuating c�rcumstances exist which are be�ond Borrower's control. 7. Preserrrat�on, CUlaintenance ar�d Protect�vn of the Praperty; �nspecti�ns. Borr�w�r shall no�des�ro�, danzage ar impair the Pr�perty, a��ow the Property to de�eriarat�or com�n��waste on the Proper�y. �hether or not Borrower is r�siding in�he Proper�y, Borrov�er shal� main�ain�he Proper�y xn order��pre�ent the Pr�perty fram d��rioratin��r decreasing in vaiu�due to �ts conditian. Unless ��is det�rnr�.�n�d pursuant�o Section S �ha�repair or restora�ion is not economically feasi��e, Borrower sha�i promptly repair the Property if damaged�o avoid fu�her deterioration or dama�e. �f insurance�r condemna�ion proce�ds are paid in �onnec�i�n with damage to, or the taking of, �he Froperty, Borrower shall be respons�ble for repairing or restor�ng�he Property on�y �f Lender has reieased pra�e�ds for such purp�ses. Lender ma� disburse proceeds NEBRASKA-Sing�e�amify-Fanni�MaelFreddie Mac UNiF�RM iNSTRUM�NT Form 3028 i 1D't VMP Q VMP6�NE�t13�23 Walters Kluwer Financia�Ser�ices Page 7 vf�7