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201008412 Borrower shall promptly discharge any lien which has priority over this 5ecurity lnstrument 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 performin� such agreement; (b) contests the lien in good faitli 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 proceedings are concluded; or (c) secures from the holdar of the lien an agreement satisfactory to Lender subordinatin� 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 Secnrity Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that noCice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender xnay require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any ather 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 periods that Lender requires. What Leander requires pursuant to the preceding sentences can change during the term of the I.,oan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right sha11 not be exercised unreasonably. Lender may require Barrower to pay, in connection with this 'I,oan, �ither: (a) a one-tirne charge for flood zone determination, certi�cation and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or siznilar changes occuz which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees irnposed by the Federal Emergency Management Agency in cannection with the review of any flood zone deterrnination resultin� from an objection by Borrower. I£ Borrower fails to maintain any of the coverages described above, Lender 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 Lender, but might or might not protect Borrower, F3orrower' 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. Borrvwer acknowledges that the cost of the insurance coverage so obtained might significantly 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 from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policias shall be subject ta 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 ri�ht ta hold the policies and renewal certificates. If Lender requires, Borrower shal] promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any forna of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgaga clause and shall name Lender as mortgagee an,d/or as an additional Ioss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make praof af loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, az�y 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 shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 230958 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEN7 3 �-6(NE) �oaii� Page6 ot 15 Initials:� FOrm 3028 1/D1 �