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2oiooso49 Borrower shall proniptly discharge any lien which has priority ov�r this Security Instturnent unless Borrower: (a) agtees in wtiting to the payrnent of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfotming such agreement; (b) contests the lien in good faith by, or defend5 against enforcernent of the lien in, legal proceedings which in Lender's opinion operate to prevent the enForcement of the lien while those proceedingG are pending, but only until euch ptoceedings are concluded; or (c) secures frorn the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instnunent. If Lendet detetmianes that any part of the Property is subject to a lien which can attain priority over this Securlty Instnunent, Lender may give Borrower a notice identifying the lien. Within 10 days o£tha date on which that notic� is given, Borrower shall satisfy the lien or take one or miore o£the actions set forth above in this Section 4. Lender may require Borrower to pay a one-tirne charge for a real estate tax verificaiion and/or reporting service used by Lender in connection wiih this Loan. 5. Property Insuranee. Borrower shall keep the improvements now existing or herea£ter erected an the Property insured against loss by fire, hazards incliided within the term "extended coverage," and any other hazards including, but not lirnited to, earthquakes and floods, for which Lender requires insurancc. This insurance shall be maintained in the arnounts (including deductible levels) and for the periods that Lender requirea. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insutance shall be chosen by Bottowet subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised ur►reasonably. Lender may require Borrower to pay, in connection with ihis Loan, either: (a) a one charge for ilood zone determination, cerlification and tracking services; or (b) a o�ne-time charge for ilood zone determination and certification services and subseyuent charges each time reraappings or similar changes occur which reasonably rnight affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by ihe Federal Emergency Management Agency in connection with the review of any flood 2one detetmination resulting &orn an ohjection hy Borrower. If Borrower fails to mainlain any oF the coverages described above, Lender may obtuin insurance coverage, at Lender'S oplion and Sottower's expense. T.cnder is under no obligation to putchase any particular type or amount oF cuverage. Therefore, such covera�e shall cover Lender, but might or might not protect Borrower, Borrower's eqnity in the Property, or the contents of the Praperty, against any risk, hazard or liability and might provide greater or lesser coveragc than was previously in effect. Borrower acknowledgeG that the coyt of ihe insurance coverage so obtained might significantly exceed the cost of ir�surazacc that Bortower could have obtained. Any amounts disburscd by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument_ These amountG shall bear intcrest at the Note ratc firom the date af disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance pqlicies required by Lender and renewals of such policies shall be eubject to Lendcr's right to disapprove such policies, shall include a standard rnortgage clause, and shall name Lender as mortgagee and/or as an ad�iitional loss payee. Lender shall have the right to hold lhe policies and renewal certificates. If Lender requires, Borrower shall promptly �,ive to Lendex all receipts of paid prerniums and renewal notices. If Barrower obtains any £onn of insurapce coverage, not othetwise tequited by Lender, for damage to, or desltuction of; the Property, such pnlicy shall include a standard inottgage clause and shall name Lender as mottgagee ancUor as an additional loss payee. In the event of loss, Borrower shall give prompt notice lo the insurance camer and Lender. Lender may make proof of loss if not made prornptly by Borrawer. Unless Lender and Borrower otherwise agree in wrifing, any insurance proceeds, whether or not thc unaerlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasihle and Lendet's security is not lesscned. During such repair and testotation petiod, Lender �hall have the right to hold such insuu �roceeds until Lender has had an opportunity to inspect 5uch Property tu ensurc the NEBRASKA- 5ingle Family - FannieMae/Freddie Maa UNIFORM INSTRUMEN7 �-G�NEr(0611) Pagefiafl5 Initials: Form3028 ��0� 0 �