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woososso4 Borrower shall promptly discharge any lien which has priority over this Security Instruuent unless Borrower: (a) agrees in writing 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 tlxe lien in good faitlx by, or defends against enforcement of tlxe 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; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating dxe lien to this Security Instrument. if Lender determines that any part of the Property 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 dxe date orx which drat notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay Gone-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on. dxe Property insured against loss by tire, hazards included within the term "extended coverage," and atay other lxazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to tlxe preceding sentences can change during the term of the Loan. The insurance carrier providing tlxe 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 conrxectiorx with this Loan, either: (a) a one-time charge for flood zone deternxirxatiorx, certification and tracking services; or (b) a one-dune charge for flood zone determination and certification services and subsequent charges each titxae renxappixxgs or similar changes occur which reasorxably 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 resultixxg from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's caption and $orrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in tlxe Property, or the contents of tlxe Property, agaixxst any risk, hazard or liability and rniglxt provide greater or lesser coverage than was previously in effect. Borrower acknowledges that dxe cost of dxe insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall beconxe additional debt of Borrower secured by this Security lrxstrunxent. These arnounts shall bear interest at the Note rate from dxe date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All itxsuratxce policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as axx additional loss payee. Lender shall have dxe right to hold dxe policies and renewal certificates. if Louder requires, Borrower shall. promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. lxi the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Urxless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not dxe underlying insurance was required by Lender, shall be applied to restoration or repair of dxe Property, if the restoration or repair is economically 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 has had an opportunity to inspect such Property to ensure the NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFdRM INSTRUMENT -61NE) loaf ~1 Page 6 of 15 Initials ~ • ~• Form 3028 1101