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2oioos4s9 Borrower shall pramptly discharge any lien which has priority aver this Security Instrument unless Borrower: (a) agre�s 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 performing such agreennent; (b) contests the lien in good faith by, or defends against enfozcement of the lien in, legal proce�ciings which in Lender's opinion operate to prevent the enfarcemeni of the lien while thase proceeciings axe pending, but only until such proceadiYags are concluded; or (c) secures from the holder of t}ae lien an agreenncnt satisfactory to Lender subordinating tlie lien ta this Secuxity Instrurnent. If Lender determines that any part of the Praperty is subject to a lien which can attain priority over this Security Inslrument, Lender xnay give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shal.l satisfy the lien or take one or more of the actians set forth above in this Section 4. I,ender may r�quire Borrower to pay a one-time charge for a real estate tax vcri�icatian and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Horrower shall keep the impravetnents now existing ar hereafter erected on the Property insured against loss by fire, hazards included within the terni. "extendcd ctiverage," and any other hazards including, but not lirnited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the arnoyxnts (including deductible levels) and for the periods that Lender requires. What Lender requires purauant to the preceding sentences can change during the tenn of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's chaice, which right shall nat be exercised unre�asonably. Lender may require Borrowec to pay, in connection witk� this Loan, either: (a) a on�time charge for flaod zona determination, certi�cation and tracldng services; or (b) a an�time charge for flood wne determination and certification secvices and subaequent charges each time remappings 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 the Federal �xnergency Management Agency in cannection with the review of any flood zonc deterinination resulting from an objection by Borrower. If Borrower fails to maintain any oaf the coveragea described above, Lender rnay obtain insura�ace coveraga, at L�nder' s option and Borrower' s�xpense. Lender is under no obligation ta purchase any particular type or amount of cove7'age. Therefora, such coveraga shall cover Lender, but might or might not protect Borrower, Borrower' s equity in the Praperty, or the contents vf the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so abtained zxa.iglat significantly eaccee� the cost of insurance that Borrower could bave obtained. Any amounts disbursed by Lender under this Sactian 5 shall beconae additional debt of Borrower secured by this Security Instrument. '1'hese axnounts shall bear interest at the Note rata from the date of disbursement and shall be payable, with such interest, upon notice fi'orn Lender ta Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policias, shall include a staadard rnortgage clause, and shall nama Lender as mortgagee and/or as an additional loss payee. Lender shall have the right ta hold the policies and renevval certificates. If Lender r�uires, Borrovver shall promptly give to Lender all receipts of paid premiums and renewal anotices. Tf Honower obtains any fornn of insurance coverage, not otherwise require� by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event o£ loss, Bonrawer shall give prompt notice to the insurarnce carrier and Lender. Lender may rnake proof of loss if not made promptly by Borrower. LTnless Lender and Barrower nthexwise agree in writing, any insurance proceeds, whether or not the uinderlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restorat�on 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 ta inspe�ct such Property to ensure the 220006$229 D V6ANE� NEBRASKA - Single Family - Fannie Mae/Freddis Mac UNIFORM IN37RUMETIT WffH (�-BA(Nq 108�01 PaeeBof 15 ��U � Form 3028 11tl7 �