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2� 1 ��5994 reasonably might affect such determination or certification. Barr�w�r sha11 a1s�be responsib�e for the paymen.�of any fees�mposed by the Federal Emergen��Management Agenc�in con.nection tiv�th the r��iew�f any flood zone determination res�.lting from an objection by Borro�er, If$�rrower fai�s to maintain�n�r of the co�erages described abo�e,Lender ma�ob�ain insurance coverage,at Lender's optian an�l Bvrro�rer's expense. Lender is under no ob��gatio�n to purchase any par�icular�type or amaun�of coverag�.Therefore,such caver�.ge sha11 cover Lender,but might or might nat pr�te�t Borrower,Bor�rotiver's equity in the Proper�y,or the contents of the Property,against any ris1�,ha2ard or�ia�ility and migh�pravide gr�ater or les��r c�vera.ge than was pre��Qusly in effect. Borro�ver�ckn.ow�edges that t�.e eos�of th��nsuFan.ce��rerage so obtained��ght s�gn�f can.t�y exceed th� cos�of insurance that Borraw�r could h��e obta.in.ed.Any amounts disbursed by Lender under this �ectiQn 5 sha1�become additianal debt of�4rrower se�ured by this Securi�ty Instrument.These amounts sha11 bear interest at the Note rate from the date af disbursement and sha11 be payable,�vith such intere�t, upon nat�ce from Lender ta Barrower requesting paymen�. A��r�su.�an.ce�a�icies req�i�ed by I�ende�a�.d ren.�wal�of�uch pol�cies sha11 be s�bj e�t to Lender`s r�ght to disa�pro�e�uch golicies,sha�1 include a�tandard m�rtgage c�ause,and shall name Lender as mortgagee andl�r as an additiona��ass paye�.L�nder sha��have the right to ho�d the poticies and renewal certificates. If Lender requires,Barrow�r sha�l promptl�gi�e to Lender a�l rece�pts of paid premiums and renewat notices.If Borra�er obtains any form of insurance+co�erage,not atherw�se requu�d by I.�ender, for damage to,or des�iction of,th�Propexty, such p�licy sha11 include a standard mor�gage c�ause and shall nam�Lender as m�rtgagee and.�or as an additional loss payee. I�the ev�nt of 1oss,Borr��ver sha11 gi�e pr�mpt n�tice to the insuranGe carri�r and Lender.Lender may make proof�f loss if not made promptly by�orrower.Unless Lender and F3�rrower otherwis�agree in tivrxt�n�,any insura.n�e proc�eds,whether or not the underlying insurance was required b�Lender, shall be app�ied to restoration or repair af the Property, if the restoratian or repair is economically feasible and Lender's security i�not lessened. I3�u.rrn�such repair and re�taration p�riod,�.ender sha��av�th�r�ght to hold such in.surance proceeds until Lender has had an apportunity to�nspect such Praperty to e�sure the wor�has been complet�d to Lender's satisfaction,prvvided that such inspect�an sha1�be undert�k�n promptly. Lender may disburse proceeds for the r�pairs and restoration in a single paymen.t vr in a series af progres�payments as the�vork is completed.Un�ess an agreement is made in writing or Appti�able Law requues interest to be paid on such insurance proce�ds,Lender sha11 not be required to pay Borrower any interest or earnings on such proeeeds. Fees for public adjusters,or o�her third parties, retained by Borrower�ha�l not be pait��ut of the insurance proce�ds and shal�be the sale obligation af Bano�ver. If the restoration or repair is no�economica�l�feasible or Lender's security would be lessened,the insurance proc�eds sha11 be applied to th�s�ms secured by th�s Security Instrument, whether or nat then due,with the�xcess, if any,paid to Borrower. Such in�urance pr�ceeds sha�l be a�p�ied x�the order pro��ded for�n S�ctxon.2, If Borrower abandon.�the Property,Lender rnay file,negotiate�nd s�ttle aay available insuranee ctaim and related matters. If Borrower does not respond��thin 34 days to a notice from Lender tha�the insurance carrier has offered to settl�a c�aim,then Lender may n�gotiat�and settle the claim, The 3�-day period will�egin wh�n the notice is given, In either event,or if Lender acquires the Property under �ection 2.�or otherwise,Bo�-rower hereb�r assigns t�Lender[a}Borrow�r's rights to any insurance pr�ce�d�in an am�unt not to�xceed the amounts unpaid under the N�te or this Security Instrument,and (b)�ny other of Borrower's rights(other than the right to any refund of unearn�d prem�ums paid by FHA Deed o#Trust With MERS-NE 9134I2414 Bankers 5ystemsTu+ VMP� VMP�N(NE}�1546}.4� Wolters Kluwer Financia!Services P�9�7�� q�3364z3�997 ��33 5�2 0�17