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2� 1 ��7217 � reasonably might affeet such determination or c�rrifieation. B�rrower shali alsv be respansib�e f�r the payment of any fee�imposed by the Federal Emergen�y Management Agency in connectian with the review af any flood zone d��rmina�ion resulting from an obj ectian by Borrower. �f Borrower faiZs to mai�ztain an�af th�c��erages des��r�bed abo�e,L�nder may obtain�nsurance caverage,at Lender`s option and Barrower's expense. Lender is under no obli�ation�o purchase any particu�ar type or arz��un�df coverage. Theref�re,such caverage sha��cover Lende�,b�t m��;ht vr m�ght not pr�tect Borrawer,Bo�rrower's equity in the Property,or�he contents of th�Froperty,against any risk,ha�ard ar�iabi��ty and rr��ght provide g��a�er or�es�er cov�rage than�as p�e��aus�y in e�'fect. Borrawer acknowtedges that the�ost af the insurance ca�erage sa obta.i�aed might signific�ntly cxceed the cast�f�nsurance�that Borr��ver�o�td ha�re�btained.An�ar�xounts d��bursed by Lender under th�s Sectian 5 shall becom�add�tional debt of Borro�ver secur�d by this��curity�nstrument. These amaunts sha1�bear i�terest at the Nate rat�from the�ate�f drsburs��n�nt and sha��be pa�ab�e,�v�th such interest, upon notice from Lender to Borrower reques�ing payment, A11 insur�.n�e polic�es reyu�xed by Lender and renewals of�uch po�icies shall be subject to Lender's right ta disappro�e such poli�ies,sha�1 include a standard mortgage ciause,and�haii name Lend�r as mortgagee andlor as an addition.al lass pa�ree.Lender�hal�have the right to ho�d the policies and renewal cer�if�cates.If L�nder requires,Borrawer sha11 promptly�ive to Lender a11 receipts of paid premiums and renewal not�ces.If Bono�er�btain�a�ny form of insurance caverage,not otherwise required by Lender, � far damage to,ar des�-uction of,the Frop�xty,such palicy shali include a standard martgage clause and shali r�ame Lender as mortgagee andlor as an additional las�pa�ree. �n the event of�oss,Borr��ver sha1�give protnpt�.otice ta the insur�.nce carr�er and Lend�r.Lender ma� make proof af loss if not made pr�mpt�y by Borrower,Unles�Lend�r and Bona�r�r oth�rwise agr�e in writin�,any�nsurance proce�ds,wheth�r or r�vt the under�yin�in�urance was required b�Lender,�ha�� be applied to res�oration or repair af the Prope�ty,if the restoratio�or repair is econ�mically feasib�e and �,ender's se�uri�y rs nvt�essen�ed.During suc�.repair an�.restflration perxod,Lender s�.a��have th�r�ght to h�1d such insurance proceeds until L�r��er has had an Q�partunity to inspect such Property to ensure the work has�een completed ta�.end�r's�atY�faction,pro��ded that�uch�nspect�on s�a��be undertaker� pramptly.I�ender may disburse pro�eeds for the repaixs and restorat'ron in a single payment or in a series of pragre�s payments�s�he�rar�is cvmp�eted. t7n�ess an agre�rr�.ent�s rr�ade in�r��ing vx App��cab�e Law r�quir�s interest to be paid an such insur�nce praceeds,Lender shall not be required to pay Borrawer any interest or earnings on su�h pro�eeds. Fees for public adjusters,or othe�th�rd�art��s, retained by Borrovver sha1�not be paid out of the insurance pr�ceeds and shall be the sole ablig�tion of Borrower,If the restorat�on ar repa�r is nat econ�mica��ly feasxb�e�r L�n�er's seeu�rrty��u�d be ��ssened,t�e insuranc�proce�ds sh�.l�b�applied to the sums secured by this Security Ins�rument, whether or not t�en due,with the excess,�f any,paid ta Barrower. 5uch insuran�e p�-o�eed�s�a��be appli�d in the order pravid�d for in Section 2. �f Borrower abandons the Prop�rty,Lender may file,negatiate and settl�any availabte insurance claim and related matters.If$orrower does nat respox�d within 3 D days to a no�ice from Lender that the insurance carrier has o#`fered to settle a claim,then Lender ma�negotiate and settle the claim.The 3�-day period will begin when the natice is gi�e�x.In either e�ent,or if Lender acquires the Prop�rty under Secti�n 22 or oth�rwise,Bonower hereby assigns�o Lender�a}Borrower's ri�hts to any insuranc� proceeds in an amaunt nat to exceed the amounts unpaid un�ier the Note or this Security Instrument,and �b}any ather of Borrower's rights(ather than the right to any refund of un�arned prem�ums paid by FHA Deed af Trust With MERS-NE 913Q12�14 Bankers Systems�'+ VMP�.7 VMP4N(NE}[15063.�Q Wolters Kluwer Fi�ancial Services Page�of 17 q�3362�45�� 3 318 O11�