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2010U8398 Barrower shall promptly discharge any lien which has priority over this Security Instruxt�ent unless Borrower: (a) agrees in writing to the payrnent of the obligation secured by the lien in a znanner acceptable ta Lender, but only sa long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcernent of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only urztil such pxoceedings are concluded; or (c) secures frorn the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender deternunes that any part of the Property is subject to a lien which can attain priority over this Security Instru�ment, l.ender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrawer shall satisFy the lien or take one or more of the actions set forth above in this Section 4. Lender rnay require Borrower to pay a one-time charge for a real estate ta�c veri�catian and/or reporting service used by Lender in connection with this Loan. 5. Ptoperty Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by �re, hazards included within the terttt "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the p�riods that I.ender requires. What Lender requires pwrsuant to the preceding sentences ca� change during the term of the Loan. The insurance carrier providing the insurance shall be chasen 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 for flaod zone determination and certification services and subsequent charges each time remappings or similar changes occur 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 th� review of any flood zone deternunation resulting frorn an objection by Borrower. If Borrower fails ta maintain any of the c�verages described above, L.ender 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 cover Lend�r, but might or might not protect Borcower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and rnight provide greater or lesser caverage than was previously in effe.ct. Borrower aclmowledges that the cost of the insurance coverage so obtained might signi�cantly exceed the cost of insurance that Barrower 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 fram the date of disbursernent at�d shall be payable, with such interest, upon notice fram Lender to Borrower requesting payment. All insurance palicies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard tnortgage clause, and shall name Lender as mortgagee and/ar as an additional loss payee. Lender shall have the right to hold the policies and renewal certi#'tcates. If Lender requires, Borrawer shall promptly give to Lender all receipts of paid premiums and renewal notices. If Barrower obtains any form of insurance coverage, not otherwis� required by Lender, for daunage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall natne L.ender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may znake proof of loss if not made promptly by Borrower. Unless �.,ender and Barrawer otherwise agree in writing, any insurance praceeds, whether or not the underlying insurance was required by L.ender, shall be applied to restoration or repaix of the Property, if th� restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration periad, Lender 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 - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) los� tl Page 6 of 15 i��s�sis� Form 3028 1/01 � � �// �� 7