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20120595; 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 subordinaiing the lien to this Security Instrument. If Lender determines that any 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, 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 charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower sha11 keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "e�ctended coverage," and any other hazards including, but not limited to, earthquakes 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 can change during the term ofthe Loan. The insurance casrier providing the insurance sha11 be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may 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 sha11 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 detennination resulting from an objection by Bonower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower's expense. Lender is under no obligaxion to purchase any particulartype or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Banower, Borrower's equity in the Properiy, or the contents of the Property, against any risk, hazard or liability and might provide 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 Section 5 shall become additional debt of Borrower secured by this Security Instrument. 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, sha11 include a standard mortgage clause, and shall name Lender as mortgagee andlor as an additionalloss payee. Lender sha,ll have the right to hold the policies and renewal certificates. If Lender requires, Borrower 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 Properiy, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additionalloss payee. In the event of loss, Borrower sha11 give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made prompdy by Borrower. Unless Lender and Bonower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall /�./4�,� ^ /1 � /f 1457072203 NEBRASKASingle Family-Fennie Mea/Freddle Mac UNIFORM INSTRUMENT (� �'ZJ �� Form 30281/01 08l10 VMP� Woltars Kluwar Financial Services 201207084.0.0.0.4002-J2011020BY Infials: Page 8 of 17 1 7