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. 2� 1 ��8�38 given,B�rrower shall satisfy the lien ar take one or more of the actions set forth abo�e�n this Section 4. Lender may require Borrower ta pay a one-time charge for a real estate tax verificati�n ara.dlor rep�rting ser��ce used by Lender in c�nnection w�th this Loan. 5. P roperty �ns u ra n ce. Borrower shali keep the impro�ements now existing or hereafter erected on the Praperty insured against loss by fire,hazards included within the term "exter�ded caverage," and any�ther hazards inc�uding,but not�imit�d to, earthquakes and floods,for w�iich Lender requires insuran�e. This insurance shall�e maintained in the amounts(including deductible le�els}and for the periods that Lender requires. What Lender r�quires pursuant to the prec�ding sentenc�s can change dur�ng the term of the Loar�.The insurance carrier pr��ding the xnsurance shall be chosen by Borrower subject to Lender's right t�disapprove Borrower's cho�ce,which right shall nat be�xerc�sed unreasanably.Lender may require B�rr�wer to pay,in connecti�n with this L�an,either: �a}a ane- time charge for fl�od z�ne determination,cert�ficatian ax�d tracking services;or�b}a one-t�me charge for fload zone determination and certificat�on s�r��ces and subsequer�t charges each time remappings or si_milar changes oCcur�vhi�h reasonabiy might affect such d�termination ar cer�ification.Borrower shall als�be responsib�e for the payment af ar�y fees imposed by th�Federal Em�rgency Managem�nt Agency in connection with the re�ieW of any fload zane det�rrn�nation result�ng from an Qbjection by Borrawer. If Borr�wer fails to maintain any of the co�erages descr�bed abo�e,Lender may obta.in insurance co�erage,at Lender's option and Borrower's e�p�nse. Lender�s under no o�ligat�on to purchase any ' particular type ar amaunt of ca�erage.Therefore,such c�verage sha11 co�er L�nder,but might or might not prot�ct Borrow�r,Borrower's equity in the Proper�y,or the contents�f the Pr�perty,against any risk,hazard�r liability and might provide greater or�esser co�erage than was previously�n effect. Borrower a�knowledges that the cost of the irrsurance�overage so obtaineti might sig�ificant�y e�ceed the cost of insurance that Borr�wer c�uld have�btained.Any am�unts disbursed by Lender under this Section 5 shall became additional del�t of Borr�wer secured hy this S�cur�ty Instrument. These amaunts sha�l bear interest at t�ie Note rate from the date of disbursement and shal�b�payab�e,with such interest,up�n noti�e from Lender to Borrvwer requestin�payment. All insurance policies required by Lender and renewals of such po��cies sha��b� subje�t to Lender's right to disapprove such pa�i�ies, shall include a standaxd mortgage clause,and shal�name Lender as mortgagee andlor as an addit��na�loss payee. Lender shall have the right to h�ld the policies ar�d renewal certificates,If Lender requires,Borrower sha�l promptly gi�e to Lend�r a11 receipts of paid premiums and renewal notices.If Bor�ower obta.ins any form of insuranc�coverage,n�t otherwise r�qu�r�d by Lender, for darnage to, or d�structian�f,the Proper�y,such policy shall include a standard mortgage c�ause and sha�l name Lender as mor�gagee andlor as an additianal lvss payee. In the e�ent of�oss,Borrawer shall give prompt not�ce t�the insurax�ce carrier and Lender. Lender may make proof of loss if not mad�prompt�y hy Borrow�r.Unless Lender and Bflrrower otherwise agree in writ�ng,any insurance praceeds,whether or not the underly�ng insurance vvas requ�red by Lender, shall be appli�d to restoration�r repair of the Praperty, if the restorat�on or repair is econ�mi�al�y feasible and Lender's s�curity is not l�ssened.I3ur�ng such repair and restorat�on�eriod, Lender sha11 ha��the right to hold such in�urance praceeds untii Lender has had an opportunity to inspect such Property to ensure the wark has b�en c�mp�eted to Lender's satisfa�tion,pr��ided that such inspecti�n shall Ue under�aken promptly. L�nder may disburse proceeds for the repairs and restorat�on in a single payment or�n a series of prvgress payments as the work is c�mpieted.Un�ess �300423502 NEBRASKA-5ingle Family-Fannie MaelFreddie Mae llNiF4RM lNSTRUMEIVT Form 302811Q1 VMP� Ofif201 G � Nkslters Kluwer Ffnanc�al Servioes 2�'I61108'�5.2.0.3814-N2D16�72�Y Page fi of�fi