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20i008277 l3orrower shall promptly discharge any lien which has priority over this Security InstrumenC unless Borrower: (a) agrees in writing to lhc payment of the obligation secured by Che lien in a manner acceptablc to Lender, but only ao long as Borrower is perfonning such agreeincnt; (b) contesls the lien in g�od faith by, or defends against enforce�nent of the lien in, legal proce;ulings which in Lender's opiruon operate to prevent the enforcemenl of the lien while those procccdings are penciing, but only until such proceedin�s are concluded; or (c) secures from the holder of the lien an agrcement satisfac:tory to Lendcr subordinating the lien co this Security Instruinent. IF Lender determines that any part of Che Property is subject to a lien which can attain priority over this Security Instr�.unent, Lender may give Bc�rrowcr a notice idenlifying the lien. WiLhin 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take anc or inorc of lhe actions set forth above in this Section 4. Lender may rcquire Borrnwer to pay a ono-lime charge for a real estat� tax verification and/or reporting service used by Londcr in connection with this Loan. 5. Praperty Insurance. F3arrower shall kccp Che improveinent5 nc>w existing o.r hereafter crected on the Property insured against loss by tire, hazards inclUded within thc term "extanded coverage," �uid ak�y othcr hazards includiug, but not liinita.i lo, earthquakes and Ilcx>ds, for which Lender requires insuranec. This insurance shall be maintained in the a►nounts (including deductible levels) and for the periods that Lender requires. What Lender requires pttrsuant to the preceding sentenecs can change durin� the tcrm c�f the Loan. The insurance carrier providing thc insurance shall be chosen by Borrower subja:C to Lender's right to disapprove $orrowcr's choice, which right shall not be exercised unreasonably. Lender may require l3orrower lo pay, in connection with this Loan, either: (a) a one-liine charge for flood zone deLcrirunati�n, certi�catian and tracking services; or (b) a one-time chargc for flood wne determination and certi�cation services and subsequent charges eac:h time reinappings ar similar chan�es occur which reasonably might affect such detennination or certification. F3orrower shall also be responsible for th� payment of any fees iin�sed by the Federal F.mergency Manageanent Agency in connection with lhe review of any tlood zonc determination resulting trom an objection by Borrower. If Borrower fails to maintain any of the covera�cs described above, Lender may obtain insurance coverage, at L�nder's option and Borrower's expense. Lendcr is under nu obligation to purchase any particular type or ain�unt of coverage. Thercfore, such coveragc shall cover Lcnder, but might or inight not protect �rrower, Borrower's equity in the Property, or the contents of th� Property, a�ainst any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. F3orrowcr acknowledges that the cost o£ lhe insurance coverage so obtained inighl signi�cantly exceed the cost of insttrance that $orrower could have obtained. Any amounts disbursed by Lendc� under this Scction 5 shall becoinc addiLiatYal debt of $orrowcr secured by this SecuriLy Instruinent. These ainounts shall bear inlcrest at the Note rate from the date of disbursemcnt and shall be payable, with such interest, upon nntice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policic5 shall be subject to Lendcr's right to disapprove such policies, shall includc a atdndard �nortgage clause, and shall naine Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies arid rencwal certificates. If Lendc;r requires, E3arrawer shall protnptly give to Lender all receipls of paid prciriiums and rencwal notices. If F3orrower obtains any for�aa of insurancc covera�e, not otherwise rc;yuired by Lender, for datnage to, or destruction �f, the Property, such policy shall includc a standard mortgage clause and shall na�ne Lender as mortgagee and/or as an acldi[ional lnss payee. In Lhe event of loss, Borrowcr shall give prompt notice to the insuranc:e carrier and Lender. Lender inay inakc prooF of loss if not inadc promptly by Borrowcr. U��less Lendcr and Barrowcr otherwise a�'ee in writing, any insurance proceeds, whether or not the underlying in5urance was rcquired by Lcnder, shall be applied to resloration or repair of the ProperCy, if the restoration or repair is cconotnically feasible and Lender's security is not lcssened. Durin� such repair and restoration period, Lendcr shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property lo ensure thc 88Q0893725 8$00893725 NEBRASKA - Single Family -Fannle MaelFreddie Mac UNIFORM INSTRUMEN7 WITH E� 5 � Page6af 15 muiais: � fY Form 3028 1I07 e ��