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2� 1 ��31 �9 subjec��o a lien wh�ch can a��ain pr�or��y o�er�his Security lns�rument, Lender may gi�e Barrower a no��ce iden�ifying �he lien. 11Vi#hin '[D days af�he date �n which �ha# no�i�e Es �i�en, Borrower shall satisfy the fien or�ake one or�more of fhe ac�ions sefi forth abo�e in�h�s Secfiion 4. Lender may require Borrnr�ver fio ,pay a one�t�me charge for a �rea! es�ate tax Werifcation andlor report�ng serv�ce used by Lender in conne��ian w��h�h�s Loan. �. f�r��aer�}� insurance. 'Bor�ower shall keep the impro�ements now exis�ing or hereafter erected vn �he Property �nsured aga�ns� loss by fir�, hazards included with�n �he term "ex�ended �co�erage," and any othe� hazards inciud�ng, bufi not limi�ed to, ear�hquakes and flaods, far uvh��h Lender re�u�res insuranc�. This insurance sha�! be mainta'rned in ��e amounts �including deduc��b�e IeWels} and f�r the periods fihafi Lender �equ�res. VI1ha� Lend�r requires pursuan� �o �he preceding sen��nces can change during the term of the Loan. The �nsuranc� �arrEer pro�Eding the �nsu�anc� shali be chosen by�Barro�rver su�jec�to Lender's right�o disappro�re Barrower's cho��e,vvh�ch r�gh�shal� no�be exercised�unreasana��y. Lender may require B�rrower to pay, �n conne��ian wi�h �his Loan, ��ther: �a} a one��ime charge for f[ood ��ne determinat�on, cerfiif ca�ian and �rack�ng services; ar ��} a one�fi�me Gharge far flood zone d��erminat�an and certif�a�ion services and su�s�quenfi �har�e� each time remappings or similar changes o��u� whi�h r�asonably mighf affecf su�h de�ermEna�ion or cer�ification. Borrawer sha�l also be respons�b�e for the paym�n� of any fees �mpo�ed by the Federal Ern�rgency Management Agen�y �n �onnec�i�n wifih�he r��iew of any flood zone de�erm�nat�on resulting from an objection by gorrower. �f Borrower faEls �a main�a�n any of fhe co�erages described aba�e, Lender may obtain insurance co�erage, a� Lender's opt�on and Barrowe�'s expense. Lender is under no obligafiion to purchase any pa�t�cufar�ype or amount of caWerage. Therefore, such co�erage shall co�er Lender, �u� migh� vr might not pr��ec� Bo�rower, Svrrov�rer's equity in the Proper�y, ar the con�en�s of the Proper��, against any r�sk, hazard ar �iabi[ity and migh� prv�ide grea�er o� lesser co�erag� than vtiras pre�E�us[y in eff�ct. Barrower acknowledg�s �hat �he c�s� of the insurance co�erage s� o��a�ned might signifcantly ex�eed the �ost of insurance that sorrower could ha�e o�fiained. Any amounts disbursed by Lender under th�s 5ect�on 5 shall become addi�iona� debt af Borrower secured by fi��s 5ecur�ty �nst�umen�. These amounts shall bear in�eres� at �he Note ra�e from �he da�e of disbursemen� and shali �e paya�le, w�th such interes�, upon no�ice from Lender�o Borrower reques�in� paymen�. A�f �nsuranc� poli�ies required by Lender and renewa�s of su�h pal��ies shal� be subjec�fio Lender's r�gh� to d�sa�prove such �o��c�es, sha�� nc�ude a s�andard martg�ge Glause, and shal� nam� Lender as mor�gagee andlar as an addit�ana! [oss payee. L�nder shall ha�r��he right ta hold the pofi��es and renewal c�rtifca�es. �f Lender requires, Barrower sha�f pr�mptly gi�e to Lender al� re�eipfis of �a�d premiums an� rene�rval not'rces. !f Borrower �bta�ns any form af insuran�e coWerage, nofi otherwise requir�d by Lender, for damage �o, or destruc��on af, fhe Prvper�y, such policy shafl inc�ude a s�andard mortgage clause and sha[1 name Lender as martgagee andlor as an additional Ioss p�yee. ln ��he e�en� vf loss, Borrower sha�� give prampt notice fo �he insurance �arrier and Lender. Lender may mak� proof of�oss if no� made promptly �y Barrv�er. Unless Lender and Borro�rve� otherwise agree in wr��ing, any insurance pra�eeds, whe�her or no��he underlying insurance was �equ�red by Lender, sha�C be applied �� restora�ian or repair of the Property, Ef�he restora�i�n or repa�r is economicaEly feasib�e and Lender's se�ur��y is no� lessened. During such repair and �estora��on period, Lender sha�1 have the righ�fo hold such insurance procee�s until Lender has had an oppor�uni�y�a inspec� such Property to ensure fihe work ha� been comple��d fo Lender's sa�isfac�ion, pro�Eded that such �nspectivn shail b� under�a�en promp#ly. Lender may disbu�se pro�eeds f�r�he repa�rs and res�ora�ivn in a single paymen� ar�n a seri�s of progress payments as the v�rork �s compl��d. Un�ess an agreemen� is made in wrifiing or Appl�cable Law r�quires interest��be paid on such �nsurance proceeds, Lender shal! not be r�quired to pay Barrvwer any interes� or earnings on such proceeds. F��s for public adjus�ers, or n�her fihird parties, retained by Borro�nre� sha�� nat be pa�d ou� of fihe insurance proce�ds and shail be fihe soie obligation of BarrovUer. �f the restora�ion or repa�r is not economica[�y feasi�le or Lender's security would be lessened,�he �nsuran�e ,,� 6 g g p ,k � �M C M Q R T ❑ � T � NEBRASKA-S�ngle Fami��l]N1F�RM[NSTRUMENT Accenture Mvrtgage Caden�e Do�ument Center�37'�6�CI'[3 Page 6 of�4