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2012030�ti to prevent the enforcement of the lien wlule those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Insttument If Lender determines tha.t any part of the Property is subj ect to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying . the lien. Within 10 days of the date on which that notice is given, Bonower sha11 satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time chaxge for a real esta.te tax verification and/or reporting service used by Lender in connection with this Loan. 5. Properly Insurance. Borrower sha11 keep the improvements now existing or herea,fter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other haza.rds including, but not limited to, earthquakes and floods, for which Lend�r requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance cartier providing the insurance sha11 be chosen by Bonower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender ma,y require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Bonower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Bortower. If Borrower fails to maintain a�ny of the coverages described above, Lender may obta.in �nc�r�ce coverage, at Lender's option and Bonower's expense. Lender is under no obligation to purchase any particular type or a.mount of coverage. Therefore, such covera.ge sha11 cover Lender, but might or might not protect Bonower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and mightprovide greater or lesser coverage than was previously in effect Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this 5ection 5 shall become additional debt of Bonower secured by this Security Insttument These a.mounts sha,ll bear interest at the Note rate from the date of disbursement a.nd shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, sha.11 include a sta.ndard mortga.ge clause, and sha,ll name Lender as mortga.gee and/or as a.n additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Bonower sha11 promptly give to Lender a11 receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and sha11 name Lender as mortga.gee and/or as an additional loss payee. In the event of loss, Bonower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall HCFG-00359 NEBRASKA-Single Famiy-Fannie MaelFreddie Mac UNIFORM INSTRUMENT Fortn 302B 1/Ot yy�P� 12N9 Wotteia KluwerFlnanclal Servlees 201204164.0.0.0.4002J20111128Y Page 6 of 76 �.