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' 201207541 to prevent the enforoement ofthe 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 Instrument. [f L,ender 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. W ithin 10 days of the date on which that notice is given, Borrower shall 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 shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage,° and any other hazards including, but not limi[ed to,earthquakes and floods,for which Lender requires insurance. This insurance shall be maintained in the amounts(including deductible levels)and for the periods thaY Lender reyuires. What Lender requires pursuant to the preceding sentences can change during the tenn ofthe Loan.The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require [3orrower to pay, in connection with this Loan, either. (a)a one-time charge for flood zone determination, ceRification and tracking services;or(b)a one-time charge for flood zone detennination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determ ination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in conneetion with the review of any flood zone detennination resulting from an objection by Borrower. If Borrower fails to maintain 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 mighl not protcct Borrower, Borrower's equity in the Property, or the conten[s 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 lhe 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 Seourity Instrumen[.These amounts shall bear interest at the Note rate from the date ofdisbursement and shall be payable,with sueh interesY,upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals ofsuch 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 certitica[es. If Lender requires, Borrower shall promptly give to Lender all 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 shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower 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 otherw ise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shal I . n /f'� �� '1304297001 NEBRASKA-Single Famiry-Fannia MaelFredaie Mac UNIFORM INSTRUMENT ,f/,/� Porm 3028 1/01 VMP� 03111 Wollers KWwer Financial Services 20120829A.0 0.04002J20110628Y Initials Page6 of 1] 'HLD73042970011123' I IIIIIIIIIII IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII III IIIIIIIIIIIIIIIIIIIIII I IIIIIIIIIIIIII