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�o�ou�3s2 Borrower shall promptly discharge any lien which has priarity over this Security Instrument unless Borrower: (a) agrees in writing to the payrnent of the obligation secured by the lien in a manner acceptable to L.ender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while thase 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 the lien to this Se:curity Instrument. If Lender detem�ines that any part of the Property is subject to a lien which can attain priority over this 5ecurity Instrument, Lender may give Borrawer a notice identifying the lien. Within lp days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actians set forth above in this Section 4. Lender may require Borrowex to pay a one-time charge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the irnprovements now existing or hereafter erected on the Froperty insured against loss by fire, hazards included within the term "extended coverage, " and any other hazazds including, but not limited ta, earthquakes and floods, for which Lender requires insurance. This insurance shall be rnaintained in the amounts (including deductible levels) and for the periads that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier praviding 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 Barrower to pay, in cannection with this I.oan, either: (a) a one-time clnarge for flood zane deternunation, certification and tracking services; or (b) a one-time charge for flood zone deternunation and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such deternunation or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Ernergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to rnaintain 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 a:ny particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or rnight not protect Borrower, Barrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser caverage than was previously in effect. Borrower aclrnowledges that the cost af the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section S shall become additional debt of Borrower secured by this Security Instrument. These arnounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Barrower 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 include a standard mortgage clause, and shall name L.ender 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 Borrawer obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such palicy shall include a standazd mortgage clause and shall name Lender as moRgag�e and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and I.,ender. L,ender may make proof of loss if not made promptly by Borrower. Unless L.ender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible az�d Lender's security is not lessened. During such repair and restoration period, L.ender shall have the right to hold such insurance proceeds until Lender has had an apportunity to inspect such Property ta ensure the N�BRASKA - Single Family - Fannie Mae/�reddie Mac UNIFORM INSTRUMEMl' � ,�� �-fi1NE) �os>>� Page 8 of 15 Initial �, orm 3028 7l09 W r �+ � � . , r .