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2 010U738G _ � � Bort'ower shall prom�ptly discharge any lien which has priority over this Security Instrument unless Barrower: (a) agrees in writing ta the payrnent of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreernent; (b) contests the lien in good faith by, or defends against enfarcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enfarcement 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 the lien to this Security Instrument. If Lender determines tl�at 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 the date on which that notice is given, Bonrower shall satisfy the lien ar take pne ar more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a r�al estate tax verificatian and/or reporting service used by Lender ian connection with this Loan. 5. Property Iusurance. Borrower shall ke�p the impravements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage, " and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be rnaintained in the amounts (including deductible levels) and for 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 I.ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this I..aan, either: (a) a one-time charge far flood wne deternunation, certi�cation and tracking services; or (b) a one-tune chazge for flood zone detern7ination and certification services and subsequent charges each time remappings ar similar changes occur which reasonably might affect such deternvnation or certificatipn. Borrower shall also be responsible for the payment of any fees imposed by the Pederal Emergency Management Agency in cannection with the review of any floai zone deternunation resulting from an objectian by Borrpwer. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is uc�der no obligation to purchase arry particulaz type or arnount of coverage. Therefore, suckx coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against a�ny risk, hazard or liability and might pmvide greater or lesser coverage than was previausly in effect. Barrower acknowledges that the cost of the insurance coverage so obtained might signi�cantly exceed the cost af insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borcower secured by this Security Instrument. These amounts shall bear interest at the Note race frozn the date of disbursement and shall be payable, with such interest, upon notice from I..ender to Borirower requesting pay�nent. All insurance policies required by I.ender and renewals af such policies shall be subject ta I.ender's right to disapprove such policies, sha,ll include a standazd mortgage clause, and shall name Lender as mortgagee and/or as an addition�al loss payee. Lender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid prerniums and renewal natices. If Bonower obtains any farm af insurance coverage, not otherwise required by Lender, for darnage 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. In the event of loss, Borrower shall give prornpt notice to the insurance carrier and Lender. Lender may make proof of lass if not made promptly by Borrower. Unless Lender 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 Properiy, if the restoration or repair is ecanomically feasible and Lender's security is not lessened. During such repa�ir and restoration period, L.ender shall have the right to hold such insurance proceeds until Lender has had an opportu�ity to inspecc such Property to ensure the NE6RASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM IMSTRUMEM7 �-��NE) 10811) PaOe 6 of 15 Initials: � � +� 1: � ,.-' Fprm $Q2$ 7 /Q 7 � h� �