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2oioo2sil Borrower shall promptly discharge any lien which has priority over this Security Insbrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only sa long as Borrower is performing such agt~eemaetat; (b) contests the lien in gaud faith by, ar defends against enfarcernent 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; or (c) secures from the holder of the lien an agneerrrent satisfactory to Lender subordinating the lien to this Security Inswment. 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 nfltice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or mare of the actions set forth above in this Section 4. Lender may require Borrower to pay aone-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Ingaraurae. Borrower shall keep the improvements now existrng or hereafter erected an the Property insured against loss by fire, hazards included within tl>be term "extended ceverage," and any other hazards 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 far the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier 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 tv pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certifiration and tracking services; or (b) a one-time charge for flood zone determination and certification servicesc and subsequent charges each 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 objection by Borrower. If Borrower fails to maintaiu any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower'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 the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained tnight significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under Wis Section 5 shall became additional debt of Harrower secured by this Security Inspvment. These amaur-ts shall bear interest at the Note rate from the date pf disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall inchde a standard mortgage clause, and shall Warne 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 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 ta, 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. In the event of loss, Borrower shall give prompt notice tv the ins~~ra„rP carrier and Lender- Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any itnstrraruce proceeds, whether or not the urderlyir~g insunmwcae was required by Lender, shall be applied to restoration or repair of the Property, if the restoratiau or repair is economically feasible and Lender's security is not lessened. During such repak~ restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had a~~pportunity to inspect such Property to ensure the .:~, NEBRASKA -Single Family -Fannie Mas/Freddie Mac tN11tFORM INSTRUMENT WITH M -6A(NEllostol P~s~ts idnda:~i~ Fonn302$ 7/p1 NI I~I1~~~~~~15I~~II~'I~~~