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2� 1 ��2832 may give Borrower a notice identifying the lien. W�thin 10 days af the date on which that notice is given,Borrawer shall satisfy the lien or take one ar more of the act�ans set f�r�h abo�e in this Se�tion 4. Lender may require Borrower to pay a one-time charge for a real estate tax�erification andlor reporting serv�ce used by Lender in connection with this Laan. 5. P r�p�rty I ns u ra n ce. Borrovver shall keep the �mprovements now exi sting�r hereafter erected on the Property insured against lvss by fire, hazards inCluded within the term "extended c�ve�age," and any ather hazards including,but not limited to, earthquak�s and flo�ds, for which Lender requires insurance. This insurance shall be maintained in the amounts�including deductible le�e�s}and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change dur�ng the term�f the Loan. The insurance carrier pro�id�ng the insurance sha�l be chosen by Borrower suhject t�L�nder'�right to disappro�e Barrower's choice,vvhich right shall not be exercised unreasonably. Lender may require Borr�vver to pay, in connectian w�th this Loan, either: (a}a one- time charge far flood zone determination,cert�fcation and tracking ser�ices; or(b�a ane-time charge far flood zone determinat�on and certification ser�ices and subsequent charges each time rernappings or similar changes�ccur vvhich reasonably might affect such determination or certif�cation. Barrower shal�also he responsible for the�ayment of any fees imposed by the Federal Emergency Management Agency in connection vvith th�re�iew of any flood z�ne determina�ion resulting from an�bjection by B orrawer. If Barrow�r fails to ma�ntain any of the coverages described above,Lender may obta.in insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount�f coverage. Therefore, such ca�erage shall cover Lender,but might or might not protect Borrower, Borrower's equity in the Praperty, nr the contents of the Property, against any risk,hazard or l�ability and might provide greater or lesser co��rage than was pre�ious�y in effect. Borr�wer acknowledges that the cost af the�nsurance c��era�e so�btained might sign�ficantly exceed the cost of insurance that Barrower could ha�e�bta�ned.Any amounts disbursed hy Lender under this Section 5 shal�became additianal debt of Barrower seCured hy this Security Instrument. These amounts shall bear interest at the Note rate from the date vf disbursement and shal�be payable,with . such interest,upon notice from Lender to Borrower requesting payment. A11 insurance policies requ�red by Lender and renewals of such polic�es shall b� subject to Lender's right to disappro�e such policies, shall include a sta.ndard mortgage clause,a.nd shall name Lender as mortgagee andlor as an additional loss payee. Lender shal�have the right to hald the po�icies and renewal certifi�ates. If Lender requires, Borrow�r shall prompt�y gi�e to Lender a�l rec�ipts of paid premiums and renewal natices. If Borr�wer obta.ins any form�f�nsurance co�erage,not otherwise required hy Lender, for damage ta, or destruction of,the Property, such po�icy shall include a standard martgage c�ause and shall name Lender as mor�gagee andlor as an additional loss payee. In the e�ent�f loss,Borr�wer shall gi�e prompt notice ta the�nsurance carrier and Lender. Lender may make proof af loss if not made pr�mpt�y by Borravver. Unless Lender axid Borrawer otherwise agree in writing, any insurance proceeds,whether or not the underlying insurance was required by Lender, shall b�applied to restoration or repair of the Property, if the restoration or repair is economically feasible a.r�d Lender's s�curity is not lessened. During such repair and restorat�on period, Lender shall ha�e the right to hold such insura.nce proceeds until Lender has had an oppar�unity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such insp�ction shall be undertaken promptly. Lender may disburse proceeds for the repairs and 2300401232 NEBRASKA-Singfe Family-Fannie MaelFreddie Ma�11NIF�RM INSTRUMENT Form 3a28'ila1 VMP� D8I2�15 Wvlters Kluwer Financia�5ervices 2�16�42'E'!6.�.0.3454-N2�151�'k 9N Page 6 of 1 fi