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2oioosss4 Batrower shall promptly discharge any licn which has pric>rity ovet this Secutity Instrumcnt unlcss Borrower: (a) agrees in writing to the payrnent of the obligation secured by the lien in a manner acceptable to Lender, but only sn long as Bottowet is performing such agreement; (b) contestg the lien in good faith by, or defcnds against enforcement of the lien in, legal proceedings which in Lcndcr's opinion operate to prevent lhe enforcemenl of lhe lien wh.ile those Pmceeclings are pending, hul only until tiuch [�roceedinga are concluded; or (c) secures from the halder of the lien an agreement satisfactory to Lender subordinating the lien to this Secutity Instrument. If Lender dctermine5 that any part of the Ptoperty is subject to a lien which can attain priority over this Secutity Instturnent, Lender may give Borrower a notice idartifying the licn. Within 10 days of the date on which that noticc is givcn, $orrower shall satisfy the lien or takc one or more of the actions set forth above in this Sc�:tion 4. Lender may require Bottower to pay a one-time charge for a real estaie tax verification and/or reporting service used by Larder in connection with this Loan. 5. Prnperty In�urance. f3orrower ahall keep lhe irnprovemc�niti nnw exi�;tin� or hereafter erec;trxl on the Ptoperty insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, fot which Lendet requires insurance. This insutance shall he maintained in the amounts (including deductible levels) and for the periods that Lcndcr requires. What Lt,�tder rcquires pursuant to thc preceding sentence� can change during the tcrm of the L�an. '1'he insutance cazrier providing the insutance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not 6e exercised unreasnnably. Lender may require Borrower to p:�y, in connection with this Loan, eithet: (a) a one-time charge for flood zone determination, certification and lracking tiervicea, or (b) a one-lime charge for flood r.cme determinalion and certification services and subsequent chargcs ea4h tirne temappings or similar changes occur which reasonably inight affect such dcterminsitinn or cettification. Borrower shall also be responsible for the payment of any fees imposed by the Pederal �mergency Management Agcncy in connection with the review of any flaod zc�ne determination resulting from an obje�tion by Borrower. If Borrowcr fails to maintain any of the coveragcs dcscribed above, Lender may obtain insurancc coverage, ui Lender's option and Borrower's expense_ Lender is under no obligation to purchase any particular type or amount of coverage. Thetefore, such coverage shall cover I,ender, but might or might nol proLec;l 13orrower, &�trower's equity in lhe Froperly, e�r lhe conlents of the Property, againtit dny riyk, hazard or liability and might provide greater or lesser coverage than was previously in effe�t. Borrower acknowled�es that the cost of the insurance coverage so obtained might significantly �xcced the co5t of insurance that Borrower could have obtained. Any amounts disbursed by Lender undet this Se�tion 5 shall become additional dcbt c�f Botrower secured by this Security Instturnent. These arnounts shall bear interest at the Notc ratc from thc date of disbursement and shall bc payable, with such inte.�rest, upon noticc from Lender to Barrower reque,�ting payment. All insurance policies required by Lend�r and renewals of such policies shall be subject to .Lender's righl lo disa�prove Such policieti, ahall includo a alxndard mortgage clause, and shall name Lc^ndc,�r ati mcyrl�agee and/ot as an additional loss payee. Lender shall have the right to hold the policies an.d tenewal certificates. If Lcnder rec�uires, Botrower shall promptly �ive to Lender all receipts of paid premiums and renewal nokices. If Iiortower obtains any forrn of insurance coverage, not otherwisc rec�uired by Lendet, for darnage to, or destruction of, the Property, such policy shall include a standurd mortgage clause and shall namc Lcndcr as mortgagce and/or as an additional loss payee:. In the event of loss, Bortowet shall give prompt notice to the insurance car and Lcnder. Lender may malce proaf of loss if not made promptly by Borrower. Unless Lender and Borrower oth�rwise agree in wriiing, any insurance proceeds, whether or not th� underlying intiurance wa� reyuireil by C.ender, �;hall be applied to res�toration at repair of the Property, if the te�totation or repair is economically feasiblc: and Lender':� security is not lessened. During such tepair aud restoration period, Lender shall have the tight to hold such insurance proceeds until Lender has had an ppporhxnity to inspe�t such Property to ensure the 3461498 3461498 NEBR4SKA - Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRWMENT � �-BA(NE)�os�o� Peqe8of15 i,,;t; � Form3028 1l01 m tiO3005 34ti1498