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2o1ou��s�4 Borrower shall prornptly dischazge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a rnanner acceptable to Lender, but only so long as Bonower is perfarming 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 enforcernent 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 I,ender determines that any part af the Property is subject to a lien which can attain priority over this Security Instrum�nt, I.ender 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 ar more of the actions set forth above in this Section 4, Lender may require Borrower co pay a one-tinne chaarge for a xeal estate tax verification and/or reporting service used by I.ender in connection with this Laan. S. Property Insuranee. Borrower shall keep the improvemenis 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 nat limited ta, earthquakes and flaods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including d�ductible levels) and for the periads that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of tlae 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 Loan, either: (a) a one-time charge For flood zone detearmination, certification and tracking services; or (b) a one-time charge for flood zone detex�nnination and certification services and subsequent charges each time remappings or siznilar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees irnposed by the Federal Ernergency Managernent Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, L,Qnder 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 caver Lender, but rnight or might not protect Barrower, Barrower'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 signi�cantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate frorn the date of disbursement and shall be payable, with such interest, upon 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 additianal loss payee. L,ender shall have the right to hold the policies and renewal certificates. If Lender requires, �orrower shall promptly give to Lender all receipts of paid premiurns and renewal natices. If Borrpwer obtains any farm of insurance coverage, not otherwise required by Lender, far damage ta, ar destructian of, the Praperty, such policy shall include a standard mortgage clause and shall name I.ender as mortgagee and/or as an additionalloss payee. In the event of loss, Boz7rower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender a,nd Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by T.ender, shall be applied to restoration or repair of the Property, if the restoration or repaiar 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 - Sfngle Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT � � �-B�NE) 1oe�i1 Page 6 of 15 iniciais: U.�`r Form 3Q28 9/09 � r 1 ir 1r ,� `� .. �