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zoloos4o3 Borrower shall promptly discharge 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 manner acceptable to Lender, but only so long as Borrower is per£orming such agreement; (b) contests the lian in good faith by, or defends against enforcement 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 until such proceedin�s are concluded; vr (c) secures frpm the holder of the lien an agreement 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, Bozrower shall satisfy the lien or take one or mvre 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 reporcing service used by Lender in cannection with this Loan. 5. Property Insurance. Borrawer shall keep the improvements now existing or hereafter erected on the ProperCy insured against loss by fire, hazards included within tlae term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, far which Lender requires insurane�. This insurance shal] be maintained in the amounts (including deductible levels) and for the periods that I,ender requires. What Lender requires pursuant to the preceding sentences can change during the term af the Loan. The insuranc� carrier providing the insurance shall be chosen by Borrower subj�cC 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 far flood zone determination, certification and tracking services; or (b) a one-time char�e for flood zane determination and certification services and subsequent charges each t'vne remappings or similar changes occur which reasonably might affect such datermination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Ennergency Management Agency in connection with the revi�w of any flood zpne determination resulting from an objection by Harrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender' s option and Borrower' s expense. Lander is under no obligation to purchase any particular type or amount of coverage. Therefore, such caverage shall cover Lender, but might or might not protect Borrower, Bprrower'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. Sorrower acknowledges that the cost of the insuarance coverage so obtained might signit"icantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall beconne additional debt of Borrower secured by this 5ecurity Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. 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 additional loss payee. Lender sha11 have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower sha11 promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not othenvise required by Lender, fpr damage to, or destruction of, the Property, such policy shall include a standard znortgage clause and shall name Lender as mortgagee and/ar as an additional lass payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may rnake proof of loss if not made promptly by Sorrower. Unless T.ender and Borrower atherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender' s security is not lessened. During such repair and restoration period, Lender shal] have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the � D f� 230961 NEBRASKA - Single Family - Fannie M ae/Freddie M ac UNIFORM INSTRUM ENT �-6(NE) �oa�� Pege6 of 15 iniciais: Form 3028 1/D1 �