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��1107�2� Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in wrifing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends aga,inst enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; ar(c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Properiy is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower sha11 satisfy the lien or ta.ke one or more of the actions set forth above in this Section 4. Lender may require Bonower to pay a one-time chaxge for a rea,l estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower 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, earthqualces and floods, for which Lender requires insura.nce. This insurance shall be ma.intained in the a.mounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can cha.nge during the term of the Loan. The insurauce cartier 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 Borrower to pay, in connection with this Loan, either: (a) a one-time chaxge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges ea.ch time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an obj ection by Bonower. If Borrower fails to ma.intain any ofthe coverages described above, Lender may obta.in insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purcha.se any particular type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, aga.inst any risk, hazard or liability aud might provide greater or lesser coverage than was previously in effeck Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bonower secured by this Security Instiumen� 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 policies required by Lender a.nd renewals of such policies shall be subject to Lender's right to disapprove suchpolicies, 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 certificates. If Lender requires, Borrower sha11 promptly give to Lender a11 receipts ofpaid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for HCFG-00359 NEBRASKASingle Famity-Fannie Mae/Freddie Mac UNIFORM INSIRUMENT Fortn 3028 1/01 VMP� 03/11 Wolteis Kluwer Flnancial Services 201110124.0.0.0.4002J20110526Y Page 6 of 17 '1