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20�008933 Borrower shall prornptly discharge 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 manner acceptable to Lender, but only so long as Borz�ower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's apinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; ar (c) secures from the holder of the lien an agreement satisfactory to L.ender subordinating the lien ta this Security Instrument. If Lender determines that az�,y part of the Property is subject to a lien which can attain priority over this Security Instrument, 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 more of the actions set forth above in this Section 4. I,ender rnay require Borrower to pay a one-time charge for a real estate tax verification and/ar xeporting service used by Lender in connection with this Loan. 5. Property Insarance. Borrower sha11 keep the improvements now existing or hereafter erected on the Property insured against loss by �re, hazards included within the term "extended coverage," and any other hazards including, but not lirnited 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 I.ender requires. What Lender requires pursuant to the preceding sentences can change during the term of the r.oan. The insurance carrier providing the insurance sha11 be chosen by Borrower subject to L.ender's right to disapprove Borrower's choice, which right sha11 not be exercised unreasonably. I,ender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood wne deternunation, certification and tracking services; or (b) a on�-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably rnight affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Fxnergency Management Agency in connection with the review of any flood zone detenuinatian resulting �rom 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 Borrower'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 pratect Borrower, Borrower's eyuity in the Property, or the contents of the Property, against any risk, hazard or liability and might pravide greater or lesser coverage tt�.an was previously in effect. Borrower acknowledges that the cost of the insurance covexage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by I.,ender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate frona the date of disbursement and shall be payable, with such interest, upon notice from I..ender ta Borrower arequesting payment. All insurance policics required by Lendcr and renewals of such policies shall be subject to I.ender's right ta disapprove such palicies, shall include a standard mortgage clause, aud shall narne Lender as mortgagee and/or as an additional loss payee. L.ender shall have the right to hold the palicies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and r�newal notices. If Barrower obtains any form of insurance coverage, noc otherwise required by Lender, far damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall namc Lender as mortgagee and/or as an additional loss payee. In the event of loss, Barrawer shall give prompt notice to t1�e insurance carrier and Lender. Lender rnay make praof of loss if noc made prornptly by Borrower. Unless �.ender and Borrower otherwise agree in wriCing, any insurance 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 economically feasible and Lender's security is not lessened. During such repair and restoration period, L,ender shall have the right to hold such insurance paroceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Preddia Mac UNIFORM INSTRUMENT �-B�NE) 1oe111 Pggg 8 of 15 imeieis: � Form 3028 7/Q1 � r