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241008580 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payrnent of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfornzing such agreement; (b) cantests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in I,ender's opinion operate to prevent the enforceznent of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of Che lien an agreement satisfactory to Lender subordinating the lien to this Security Instzvment. If Lender deterntines that any part of the Property is subject to a lien which can attain p;riority over this Security Instnunent, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or rnore of the actions set forth above in this Section 4. Lender rnay require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by I..ender 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 �re, hazards included within the term "extended caverage," 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 periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insuu'ance carrier providing the insurance shall be chosen 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 connecCion with this Loan, either: (a) a one-time charge for flood zane deternunation, certi�cation and tracking services; or (b) a one-time charge for flood zane determination and certification services and subsequent charges each Cizne remappings or similar changes accur which reasonably rnight affect such determination or certi�cation. Borrower shall also be responsible for the payment of any fees irnposed by the Federal Ernergency Management Agency in connection with the review of any flnod zone deternunation resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's aption and Borrawer'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 $arrower, Borrawer's equity in the Property, or the cantents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges Chat the cosC of Che insurance coverage so obtained might significantly exceed the cost of insurance that Borrawer cauld have obtained. Any amounts disbursed by I.ender under this Section 5 shall becorne additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upan notice from Lender to Borrower requesting payrnent. All insurance policies required by Lender and renewals of such policies sha11 be subject to L,ender's right to disapprove such palicies, shall include a standard mortgage clause, and sha11 name Lender as rnortgage� and/or as an additional loss payee. Lender shall have the right to hold the policies ax►d renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiurns and renewal notices. If Borrow�r obtains any form of insurance coverage, not otherwise required 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 of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make praof af loss if nat made promptly by Borrawer. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair af th� 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 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) loat t1 Page 8 of 15 �n�tia�s: Porm 3028 9/U1 � � � , i F� �4' ��" a '� �. 1 � .