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2� 17� 1458 reasor�ab��mi�ht ai�ect sucl� deterxrtrnat�on ��- cer�il��:��ti�n. Lr�rro��er s��l� a�sa �e re�pc�n�ible for t�ie paym�nt ❑f any fees �rizp�sed hy t�� Fed�rai Emer�Qnc� I�Z�Y�a��ment A�enc�r in c�t�izection��itl� t�ie re�rie�v oF an�� f�n�� zone deterrtlinatior� resul�in� f��om a�� o�j�ction �� Barrati�rer. �f F�orro�v€�r fail� to n�aintain any of t�i� ca��rages c�e�crih�c� abo�ie, Lender may abtain insurance ea�erage, a� Lender's optian�nd �3arro�rer's expen�c. L�nder is under nn ❑h�igatian to purc��ase an� particrzlar t�pe nr am�un� nf�overage. T��erefore, s�ic�i caverage s��all cov�r Lender, hu� mi��t ar mig�i� not pr�tec� Borro�rer, �Qrro�ver's equit� in the Property! �r the c�nt�nts af fhe Property, a�ainst an�r risk, ��azard or liabi�ity and mighi �ro��de ��-ea��r ar lesser c��era�e t�7an v�as preWious�� in �ffect. Barra��rer acki7otivled��s ��lat the co�t of t�ie �nsur�nce co�rerage sa obtained might si�ni�icant�� exeeed the cost of insurance t��at B�rro�ver cauld �iav� ❑b[ained. An�r amounts dis�ur�ed�y I�ender under t�zis Section 5 shall be�ame ad�iti�nal de�t of B�rrav�rer secured b�r this Security Instrument. T�lese amounts s�Ya11 b�ar int�rest at t��e l�Tote rate frox�� t��e date r�f�isbursement and shall be pa�able, �vi#h �u�h inter�est, upan no�ice frotY� Lend�r to Borrativer requesting pa��ment. A�l ir�surance polie�es required �}� Lender 1t;d ren��ral� of��ch p�licies shall be suhj ect to Lender's right to disappr�ve suc�i policies, �hal� include a standard mor�gage ��ause, and s�iall name Lender as martga�e�an��lar as arl additianal l�s� ��a�ee. Lerlder s�iall have the rig�it to hold t}le poli�ies and renev�ral ��rti�icates. If L�nder requires, Barro�rer s�ia�l promptl�g�ve to Lend�r all receipts of paid premium� ar�d rene�ral na�i�es. If Barra��rer obtains any farm vf insurance c��rerage, not othertiv�s� required �y Le��der, for damage to, ❑r des�n�ction af, ��i� Pra�erty, su�� o�ic�r s��l include a standard �nartgage clause and s�la�� nam� L��der a� rriortgagee ancii ar as an add iti a��a� ��ss �a�e�. In the e�rent of 1�s�, Borrvw�r s��a��i�le pr�}mpt iioti�e to the insuran�e carrier�nd Lender. Lender may make praoi'af los� if not made promntly b_y B�rrotiver, iJnies� Lender and Bvrr�wer ot��er�vise agree ir� ��vritin�, a�� ir�surance pr�c�eds, v�rhet�ier�r not ��e r�riderlyin� insuran�e��as rec�uired by Len�er, sha�l �e a��plied tn restarati�ri ar repair of t�ie �'r��ert�r, if'th� r€starati�n or repa�r i� econ�micai��r fea�i�l� and Lender's�ec��rit� is n�t �e��enetl. �]urin�S�r��z reP1iY� and rest�ration period, Lender��al� have the rig��t � �� ld sueh iil�urance �r��ee�i� ��nti� Lend�r has had an app�rt��nit� t� inspeci s��h Property ta ensure t��e�rork h�s been cosnplet�d �a Lende�•'s sa�isfr�c�ion, pi•o�rided t��a# s�� inspe�tion s�ia��be un�er�aken praj�ptl��. Lender ma� ��sbur�e procceds for the re�airs �nd restor�tion in a singie ��ayment o�in a��rie� �f pr�gress payments as tlte wark is cam��ete�. Un�es� an agre�ment i� made in v�ri�ing �r Applicabl� La�� req��ires �nterest ta �e �aid on su��t insurance pr�c�e�i�, L,eneler shall r�at b� r�qui�ed t❑ �a� �3arro��Ter an��in�ere�t �r earnirtgs an such ��raceeds. Fce� #or pub�ic �dju��ers, or ather#��ird partie�, retained b�Borro�rer shall not b� paid aut ❑f th� insuran�� pr�eeeds and s�Yall Ue t�ie s�ie obl�gatian �f Borr�wer. �f tlie restaratian ar re�air is nat ec�n�m�cally fea�ihle or Lender'� �ecurity��rau�d be les�ened, the insurance pro�eeds shal� be appli�d to the sums�ecur�d hy ttiis Securit��ns#rument, tiv�te��er or not t�ien due, with the ex��ss, if an�, paid to �3orra��er. 5uc�� in�urance praceeds s��all Ue applied in the order prawided f�r in 5e�tion �. If Borrn��ver abandon� t�ie Proper��, Lender may file, negatiate a�id �et�l� any availabl� insurance ciaim and related matters. ��'Borra�er does not respond wit�lin 3U da�s to a notice fr�m Lender �hat t��e YnSurance carrier has offered to se�tle a claim, then Lender may negatiate and settle t�le claim. Tt�e 3D-da� per�od tivill begin�v�ien the n�tice is gi�en. In eit��er��ent, or if L�nder acquires t�le Fropert}� under 5ec�ian �� c o�her��ise, Borra�ver h�reb�ass�gns #a Lender �a} Borrav��er's rights to an�r �n�uran�e praceed� in an amaunt not t� exceed t�le amounts unpaid under t��e Nate or ttY�� 5ecurit� In�trument, and �b� any oth�r af Barrotiver's rights ��t��er than t�ie right ta an�r r�fund af un�arned premium� paid by �3�78814� a�9785�79� FHA Deed of Trust With MERS-NE 9I301�01� Bankers Systems7F•� VMP C� VMP4N�NE]��5fl6].�❑ Walters Kluwer Financial S�r�ic�s Par�e T❑f 17