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� 201209385 to preventthe enforcement ofthe lien while those proceedings are pending,but only until such proceedings are concluded;or(c)secures from the holdcr ofthe lien an agreement satisfactory, to Lender subordinating the lien to this Securit��Instrument. If Lender determines that any part of the Properry is subject to a lien which can attain prionty over this Security Instrument, Lender may give Borrower a notice identifi�ing the lien.Within ]0 days of the date on which that noAce is given,Borrower shall sarisfy the lien or take one or more of the actions set forth above in this Section 4. Lcnder may require Borro��-er to pay a one-time charge for a real estate tax verification and/or reporting service used bv Lender in connection with this Loan. 5. Property Insuranee. 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 hazazds including,but not limited to,earthquakes and floods;for which Lender 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 camcr providing the inswance shall be chosen by Borrower subjcct to Lender's right to disapprovc Borrower's choice,which right shall not be exercised unreasonably. Lender map require Borro«�er 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 eharge for flood zone determination and certification services and subsequent eharges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsiblc for the paymenC of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone detcrmination resulting from an objection by Borrower. If Bonowcr 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 covcrage shall cover Lender,but might or might not protect Borrower, Borrower's equitS in the Property, or the contents of the Property, against any nsk, hazazd or liabiliry and might provide greater ar lesser coverage than was previously in effect.Borrower acknowledges that the cost of the insurance coverage so obtained might significantly esceed the cost of insurance that Borrower could haue obtained. Any amounts disbursed by Lender under this Section 5 sha11 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 policics 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.Lcnder shall ha�e the right to holdthe policies and renewal certificates. If Lender requires, Borro�ver shall promptly give to Lender all receipts ofpaid premiums and rene«�al notices. If Borrower obtains any form of insurance coverage,not otherwise required by Lendcr, for dxm�age to,or destruction of the Property,such policy shall include a standard mortgage clause and shall name Lcnder 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 othenvise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall HCFG-00359 NE6RASKA-Single FamilY-Fannie MaelFretltlie Mac UNIFORM INSTRUMENT Form 302B 1l01 VMP� OSl12 Wolters Wower Financial 3ervlcas 2�1210314 9.1233&J20120529Y PaBe fi of 19 @1 17I�1I ]' 11MNNNIII�IIIIIIIIIIIII,I,INIIII,I�IIIIIIIIItllllllllllll�llllll