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�oio��7o� Bprrower shall promptly dischar�e any lien which has priority over this Security Instrument unless Barrower: (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 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 those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder o£ the lien an agreement satisfactory to Lender subordinating the lien ta this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Jnstrurnent, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Sorrower sha11 satisfy the lien or take one or more of the actions set forth above in this Sectian 4. Lender rraay require Borrower to pay a one-time charge for a rea] estate ta7c verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the impravements now existing or hereafter erected on the Property insured against loss by �re, hazards included within the term "extended covera$e," and any other hazards including, but not limited to, earthquakes and flaods, 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 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 ri�;ht to disapprove Bor� s choice, which righc shall not be exercised unreasonably. Lender may require B�rrower to pay, in connection with this Loan, either: (a) a one-tirne charge for flood zone determinatian, certification and tracking services; or (b) a one-time charge fpr flood zone deterna.ination and certification services and subsequent charges each tirne remappings or sixiailar changes occur which reasonably migk�t affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emer�ency Management Agency in connectinn with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails ta maintain 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, ar the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previausly in effect. Borrower acknowledges that the cost of the insurance coverage so abtained might significantly exceed the cost of insurance that Boxrower could have obtained. Any amounts disbursed by Lender under this 5ection 5 shall become additional debt of Borrower secured by this Security Instruxnent. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upan notice from Lender to Borrower requesting payrnent. 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 Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certi�cates. If Lender requires, $orrower shall promptly give to Lender a11 receipts of paid premiums and renewal notices. If Borrower obtains any form af 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. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make prppf of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or nat the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is ecanprnically 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 apportunity to inspect such Property to ensure the 230925 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT � �-6�NE) �osii� Page6 of 15 initi Form 3028 1101 �