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2oioo7sss � �� Borrower shall promptly discharge any lien which has priority over this Se�urity Instrument unless Bonower; (a) agrees in writing to the payment af th� abligatian secured by the lien in a rnanner acceptable to Lender, but only so long as Borrawer is performing such agreement; (b) contests the lien in good faith by, or defends against enforcernent of the lien in, legal praceedings which in Lender's opinion operate to prevent the enforcernent of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures frorn the holder of the lien an agreernent satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that 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, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now e�cisting or hereafter erected on the Property insured against lpss by fire, hazards included within the t�rm "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintain� in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the prer�eding s�ntences can change during the term af the Laan. The insurance carri�r providing 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 Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone deternunation, certification and tracking services; or (b) a one-time charge �or #lood zone detern�unation and certif�cation services and subsequent charges each time remappings or siunilar changes accur which reasonably might affect such determination 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 deternunation resulting from an objection by Borrower. If Barrower fails to rnaintain any of the coverages desc�ibed abave, Lender may obtain insurance coverage, at Lender's option and Banower's expense. Lender is under na abligatian to purchase any particular type or anlount of coverage. Therefore, such coverage shall cover L.ender, but might or might not protect Borrower, 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 �ffect. Borrower aclrnowledges that the cost of the insurance coverage sc� obtained might significantly exceed the c�st of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Sectian 5 shall becorne additional debt of Borrower secured by this Security Instrument. These arnounts shall bear interest at the Note rate frorn the date of disbursernent and shall be payable, with such interest, upon notice from Lender ta Borrawer requesting payrnent. All insurance policies required by Lender and renewals of such policies shall he subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as rnortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certi�rcates. If Lender requires, Borrower shall promptly give to Lender all receipts af paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard rnortgage clause and shall name �.ender 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 rnay rnake proof of loss if not rnade prornptly by Borrower. Unless I..ender and Barrower otherwise agree in writing, any insurance proceeds, vvhether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repaur is economically feasible and Lcnder's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until I,ender has had an oppoRunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFQRM INS7RUMEIVT �-B�NE) �osi i � Paae s of i e Initlals: FOrrP� 3p,28 1l01 � 3 . � ! j t t : . � � / ` r, � r