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�o�vo�s�� Borrower shall promptly discharge any lien which has priority over chis Security Instrurnent unless Borrower: (a) agrees in writing to the paynnent of the obligation secured by the lien in a rnanner acceptable to Lender, but only so long as Boa�xower is perfornung such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal pmceerlings which in Lender's opizuon operate to prevent the enforcement of the lien while those proccedings are pending, but only until such proceedings are concluded; or (c) secures fram the holder af the lien an agreernent satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of ttxe P�roperty is subject to a lien which can attain priority over this Security Instrument, Lender rnay give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy tl�e lien or take one ar rnore of the actions set forth abave in this Section 4. I.ender may require Bprrower to pay a one-time charge for a real estate ta�c verification and/or r�parting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against lass by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited ta, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the arnounts (including deductible levels) and far the periods that I.ender 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 ta Lender's r�ght to disapprove Borrower's choice, which right shall not be exercised unreasonably. I.ender may require Borrower to pay, in connectian with this Loan, either: (a) a one-time charge for flood zone deternunation, certification and tracking services; or (b) a one-tirne charge for flood zon� detemunation and certification servic$s and subsequent charges each time rernappings or similar changes occur which �e�o��ry might affect such deternunation or certification. Borrower shaJ.l also be responsible for the payment of any fees impos�d by the Federal Ernergency Management Agency in connection with the review of any flpod zpne determination resulting from an objection by Borrower. 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 under no obligation to purchase any particular type or amount af coverage. Therefore, such coverage shall cover I.ender, but might ar might not protect Borrowex, 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 might significantly exceed the cost of insurance that �orrower could have obtained. Any arnounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instz�ument. These amaunts shall beaz interest at the Note rate frorn the date of 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 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 certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiunns and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, tt�e Property, such policy shall include a standard mortgage clause and shall name I.,ender as mortgagee and/or as an additional loss payee. In the eveant of loss, Barrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if nat made prarnptly 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 pr repair is econornically feasible and Lender's security is not lessened. During such repair and restoration period, I.ender 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 - Fannis Mae/Freddie Mac UNIFORM INSTRUMENT �-B�NE) (osi il Page 8 of 15 Initia �`� Fwm 3028 7/p7 a ; � Q'f s � '