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2010U�478 Borrower shall promptly discharge any lien which has priority over this Security Irastzument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acc�ptable to Lender, but only so long as Borrower is performing such agreennent; (b) concests the lien in good faith by, or defends against enforcennerxt of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proce.edings are pending, but only until such proccedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Tnstrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over tkiis Security Instrument, I.ender xnay give Borrower a notice identifying the lien. Within 1Q days of the date on which that notice is given, Barrower shall satisfy the lien or take one or m�ore of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-tirne charge for a real estate tax verification and/or reporting service used by Lender in cannection with this Loan. S. Property Insurance. Borrower shall keep the irnprovernents 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 maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the prece�ing sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Sorrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrawer to pay, in connection with this Loan, either: (a) a one-tirne charge for �1ood zone deternunation, certification and tracking services; or @) a one-time charge for flood zone deternunation and certification services and subsequent charges each time remappings or similar cl�.anges accur which reasanably might affect such detercnination or certification. Borrower shall also be responsible for the payment of any fees irnposed by the Federal Ernergency Management Agency in connection with the review of any flood zane determination resulting from an objection by Borrower. If Borcower fails to maintain any of the coverages described above, Lender rnay obtain insurance coverage, at I.ender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or aamount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, �onrower's equity in the Property, or the cantents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowlaiges that the cost of the insurance caverage so abtained might signifrcantly excced the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrovver secured by this Security Instnunent. These amounts shall bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice from Lender tn Borrawer requesting payrnent. All insurance policies required by Lender and renewals of such policies shall be subject to I.ender's right to disapprove such policies, shall include a standazd mortgage clause, and shall name Lender as mortgagee and/or as an additional loss pay�. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Horrower shall pronnptly give to �.ender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not othez�wise required by I.ender, 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. In the event of loss, Borrower shall give prompt notice to the insurance carrier and I.ender. Lender may rnake proof of loss 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 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 UNIFORM INSTRUMENT �-B�NE) �oai i � Pege 8 of 15 in�t�ais:.��/ Form 3028 1l01 � . Z' � ,