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20110945� Borrower shall prompfly discharge any lien wluch has priority over this Security Inslrument unless Boaower. (a) agrces in writing to the paym�t of the obligation secure� by the lien in a manner acceptable to Lender, but only so long as Borrower is Performing such agreement, N) contests the lien in good faith by, or defends against enforcement of the lien in, legal Proce�ings which in Lender's opinion operate to prevent the enforcement of the lien while those proc�ings are pending, but only until such procxedings are concluded; or (c) seci�r�s from the holder of the lien an agreement satisfactory to Lendar suborc�inating the lien to this Seamty Instrumen� If Lender determines that any part of the Properly is subject to a lien wluch can attain priority over this Sec�mty Instru�ient, Lender may give Borrower a notice identif3ring the lien. Within 10 days of the date on wlrich that notice is given, Hoaower shall satisfy the lien or take ane or more of the actiona set forth above in this Section 4. I.ender may require Borrower to pay a one-time charge for a real e�tate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insarance. Borrower shall keep tha improvements now existing or hereafter erected on tha Properiy insured against loss by fire, ba�rds included withiu the tean "extended coverage," and any other hazazds including, but not limited to, esrthquakes and floods, for which Lender reqirires insurance. This insi�rance ahall be maintained in the amo�mts (including dediictible levels) and for the periods that Lender requires. W1�at Lender requires purauant to the preoading sentences c�n change during the term of the Loan. The insurance �rier providing the insurance shall he chosen by Borrower subj�t to Le,nder's right to disapprove Bonower' s choice, wluch right ahall nat be exercised. unreasonably. Lender may require Boirower to pay, in c�nnection with this Loan, either: (a) a on�time chazge for flood zone detennination, cerlific�tion and traclang serv�ices; or (b) a onatime charga for fload zone detemrination and certification services and subsequent charges each time remappings or similar cl�►geg acx�n vvhich reasonably might affe�t such determination or certification. Borrower shall also be responsible for tha pa3+ment of any fees imposed by the Federal Emergency Management Agency in cannection with the review of any flood �ne determination resulting from an objection by Honower. If Boirower fails to maintain any of the coverages described above, I,ender may obtain insurance coverage, at I.ender's option and Borrower's expensa. I,ender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall c:ov� L�der, but might or might nat protect Borrower, Borrower' s equity in the Pxopecty, ar the contents of the Properiy, against anY risl� hazard or liabilit� and might provide greater or lesser coverage than was previously in effect. Borrower acknowleflges that the cost of the insurance covegage so obtained might si�ificantly exceed the cost of insurance that Borrower could have obtained Any amowits disbursed by Lender under thia Section 5 shall be�ome additional debt of Borrower se�urefl by this Security Instrum,en� These amowrts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Boaower recNesting PaYment• All insurance golicies required by I.ender and renewals of such policies sha11 be subjeit to Lender's right to disapprove such policie�, sha11 include a standard mortgage clause, and shall name Lender as mortgag� and/or as an additional loss paye,e. Lender shall have the right to hold the policies and r��wal certificat�. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insuranc� coverage, not otherwise required by I.ender, for damaga to, or destruction of, the Property, such policy sha11 include a standard mortgage cl� and shall name Lender as mortgag� and/or as an additional loss payce. In the event of loss, Borrower sha11 give prompt notice to the insurance carrier and Lender. I.ender may make proof of loss if not made promptly by Boaower. Unless Lender and Borrower otherwise agr� in writing, any insurance procee�s, whether ar not the underlying insurance was required by L�der, shall be applied to restoration or repair of the Progerty, if the restoration or repair is economic�lly feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insUrance proceeds until Lender bas had an opportunity to insped such Properly to ensure the 2200200425 D V6ANE NEBRASKA - Single Family - Fannle BAae/Freddle Mac UNIFORM INSTRUMENT WITH MERS ��A(NE) roai o) Paes e ot � s i„�y� � Form 3028 1/01 � �