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2o�oos9 Bormwer shall promptly dischazge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a rnaxuaer acceptable to Lender, but anly so long as Borrower is perfornung such agreement; (b) contests the lien in good faith by, or defends against enforcernent of the lien in, legal proceedings which in Lender's opinion operate to prevent tlae enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures frorn th�e holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrurnent. If L.ender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, L,ender may give $orrower a notice identifying the lien. Within 10 days nf 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 Sectian 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insarance. Borrawer shall keep the improvements now existing ar hereafter erected on the Property insured against loss by fire, hazards included within the term "extended caverage, " and any other hazards including, but not lunited to, earthquakes and floods, for which I,ender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods chat Lender requires. What L.ender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to T_.ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Sorrower to pay, in connection vvith this Y.oan, either: (a) a one-time charge for flood zone determination, c.�rtification and tracking sezvices; or (b) a one-time charge for flood zone deternunation and certification sezvices and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees izx�posed by the Federal Etnergency Management Agency in connectian with the review of any flood zone deternunation resulting fronn an objection by Borrovver. If Barrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Boarrower's expense. L,ender is under no obligation to purchase any paxticular type or amount af coverage. Therefore, such coverage shall cover Lender, but might or might not protect Barrower, $orrower's equity in the Property, or the contents of the Property, against any risk, hazard ar liability and might parovide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exc�d the cost of insurance that Borrower could have obtained. Any amounts disbursed by T.ender under tk�is Section 5 shall become additional debt of Borrower secured by this Security Instrurnent. These amounts sha11 bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice frozn Lender to Borrower requ�sting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, sha11 include a standard mortgage clause, atzd sha11 naxne L.ender as mortgagee and/or as an additional loss payee. I,ender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrawer shall promptly give to Lender all receipts of paid premiums and r�newal notices. If Borrowez' obtains any form of insurance caverage, not otherwise required by L,ender, for damage to, or desttvction af, the Property, such policy shall include a standard mortgage clause and shall name Lender as rnortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to Che insurance carrier and Lender. L,ender rnay make praof of loss if not rnade proriaptly by Borrower. Unless Lender and Borrawer otherwise agree in writing, any insurance proceeds, whether or nat the underlying insurance was required by Lender, shall be applied to restoratian or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration periad, Lender shall have the right to hold such insurance proceeds until I,ender has had an opportunity to inspect such Property to ensure the NEBRASKA - 5ingle Family - Fannie Mae/Freddie Mac UNIFORM INS1"HUM�NT �-6�NE) los� �) Page 6 of 15 i�tt�sis: Form 3028 1l01 � �:! ; �#�� !��