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2oioosssi Borrower shall promptly discharge any lien which has priority over this Security lnstrument unless Borrower: (a) agrees in writing to the payrnent of the obligation secured by the lien in a maxxner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defenda a�ainst enforcernent o£ the lien in, legal proceedings which in Lender' a opinion aperate to prevent the enforcement of the lien while those proceedings are pending, but only until such prpceedings are concluded; or (c) secures frorn the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property ia subject ta a lien which can attain priority over this Security Instrument, Lender may give Barrower 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 more of the actions set forth above in this Section 4. Lender may require Borrowar to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. S. Praperty Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured a�ainst loss by fire, hazards included within the term "extended coverage," and any other hazard� including, but not limited ta, 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 durin� the term of the Loan. The insurance carrier providing the insurance shall be chosen by Sorrawar subject to Lender's right to disapprove Borrower' s choice, which right shall not be exercised unreasonably. Lender rnay require Sorrower to pay, in connection with this Loan, either: (a) a ane-time char�e for flood zone determination, certi�cation and tracking services; or (b) a one-time charge fot flood zane determination and certification services and subsequent charges each time remappings or similar changes pccur which reasonably might affect such determination or certi�cation. Borrower 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 determination r�sulting £ram an objection by Borrower. If Borrower fails to maintain any of the caverages described above, Lender may obtain insurance coverage, at Lender' s option and Borrower' s expense. Lender i5 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, Borrower' s equity in the Property, or the contents of the Praperry, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Barrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed th� cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section S shall becpme additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Nate rate from the date of disbursement and shall be payable, with such interest, upan notice from Lender to Borrower requesting payment. All insurance palicies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, sha11 include a standard rnortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall hav� the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance caverage, 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 proof of loss if not made promptly by Borrower. Unless �.ender and Borrower ntherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by I,ender, shall be applied to restoration or repair of the Property, if the restoration or repair is economicaily feasible and Lender' s security is not lessened. During such repair and restoration period, I.ender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Prpperty to ensure the 230975 NEBRASKA - Single Family - Fannis Mas/Freddie Mac UNIFQRM INSTRUMENT �-6(NE) �os��> Page6 of 15 in�uei5: Form 3028 1/01 � 1 ��5� IN