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�oioo��i T3orrower shall promptly discharge any lien which has priority aver this Security Tnstrument unless Borrower: (a) agrees in writing to the payment of the obligatron se�ured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in gaod faith by, or defends against enforcement of the lien in, legal proceedings wlaich rn Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceeciings are cancluded; or (c) secures from the holder of the lier� art agreerxaent satisfactory to Lender subordinating the li�n to this 5ecurity Instrument. If L.ender determines that any part of the Property is subject to a licn which can attain priority over this Security Instruxnent, 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 rnare of the actions set forth above in tivs Section 4. I�ender may require Borrower to pay a on�time charge for a real estate tax verification and/or reporting service used by Lender rn connection with ihis Loan. S. Property Ynsurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extend� coverage," and any other hazards including, but not lim�ited to, earthquakes and floods, for which Lender requires instu This insurance shall be maintained in the arnounts (including d�uctible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during tha term of ttie Loan. 'The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's chorce, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood wne determination, certification and tracking services; or (b) a ane-time charge far flood zane determination and certification services and subsequent charges each time remappings or similar changes oecur which reasonably might affect such determination or certi�cation. Barrawer shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone deterinination 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 option and Bonower' s expense. Lender is under no obligation to purchase any partroular type or arnount af coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower'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. Horrower acknowledges that the cost of the insurance coverage so obtained might significantly excced the cost of rnsurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Horrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payaUle, with such interest, upon notice from Lender to Borrower requesting payment. All insuranca 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 a,.5 an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and rezaewal notrces. If Horrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction af, 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 notioe to tha insuranca carrier and Lender. Lender may make proof of loss rf taot made prornptly by Bcarrower. Untass Lender and Borrower otherwise agree in writing, any insu.rattce 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 e�onornically feasible and Lender' s security is not lessened. Durieg such repair and restoration period, Lender shall have the right to hold such insw'ance proceeds until Lender has had an opportunity to inspect such Property to ensute the 2200072053 D V6AN� NEBRASICA - 5ingle Family - Fannie Mae/Freddie Mac UNIFpRM INSTRUMENT WITH MERS �-BA(NE)109t01 Pege 8 of 15 �n�tie�s: .� rt� Form 3D28 7I07 c�