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. . , �, r �; . .�, 20120390� 201200463 by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while 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 Instxument. If Lender detertnines that a.ny part of the Property is subject 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, Borrower shall satisfy the lien or ta.ke one or more of the actions set forth above in this Section 4. Lender may requue Borrower to pay a one-time charge for a real estate tax verification andlor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazazds included within the term "extended coverage,' and any other hazards including, but not limited to, earthqua.kes and floods, for which Lender requires insurance. This insurance sha11 be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences ca,n change during the term of the Loan. The insurance cartier providing the insurance sha.11 be chosen by B orrower subj ect 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; ar(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. Borrower 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 Borrower. If Borrower fails to ma.intain any ofthe coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Bonower's equity in the Properly, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect Bonower acl�owledges that the cost of the insurance coverage so obtained might significa.ntly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrumen� These amounts shall bear interest at the Note rate from the date of disbursement and 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, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obta.ins 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 shall name Lender as mortgagee andlor as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance cartier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in HCFG-00359 NEBRASKASingle Family-Fennie Mae/Freddie Mac UNIFORM INSTRUMENT VMP� Walters Kluwer Financial Services 2(I1201184.0.0.0.4002-J20110824Y Form 30281f01 08l11 Page 6 oi 16 0 6' �