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201009042 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligatipn secured by the lien in a rnanner acceptable to Lender, but only so long as Borrower is performing such agreemenC; (b) contests the lien in good faith by, or defends a�ainst enforcement of the lien in, legal proceedings which in Lender' s opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactary ta Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender rnay give Borrower a notice identifying the lien. Within 10 days of the date an which that notice is given, Barrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Barrower to pay a one-time charge for a real estate tax veri�cation and/or reporting service used by I�ender in connection with this Loair�. 5. Property lnsurance. Barrower shall keep the innprpvements now existing or hereafter erected on the Property insured against lass by fire, hazards included within the term "extezided coverage," and any other hazards including, but not limited 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 Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chasen by Borrower subject to Lender's right to disapprove Borrower' s choice, which right shall not be exercised unreasonably. Lender rnay require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zpne determination, certi�cation and tracking servioes; ar (b) a one-time charge fqr flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might afFect such determination or certification. Borrower shall also be responsible for t)ne payment of any feea imposed by the Federa] Erziergexxcy Management Agency in connection with the review of any fload zone determination resulting frpm an vbjection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender rnay obtain insurance covera�e, at Lender' s pption and Borrower' s expense. Lender is under no obligation to purchase any particular type or amount 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 1'roperty, against any risk, hazard or liability and nriight provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cast of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section S sha11 become additional debt of Borrower secured by this Security Instz These amaunts shall bear interest at the Note rate from the date of disbnrsement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payment. Al1 insurar�ce policies required by Lender and renawals 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 as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall proxnptly give to Lender all receipts of paid prerniums and renewal notices. If Borrpwer obtains any form of insurance caverage, not otherwise required by Lender, for damage to, or destxuction of, the Property, such policy shall include a standard rnort�age clause and shall name Lender as mprtgagee and/or as an additional loss payee. In the event of loss, Bprrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lendar, sha11 be applied to restoration or repair of tha Property, if the restoration or repair is economically feasible ax�d Lender' s security is not lessened. During such repair and restoration period, Lender shall have the right ta hold such insurance proceeds until Lender has had an opporiunity to inspect such Property to ensure the ►��1�'I:3�I NEBRASKA - 5ingle Family - Fannie MaelFreddie Mac UNIFORM INSTRUMEN7 1 �-B�NE)�oeii� Page60f15 Initials: �� J`�V�,, Form302$ 11tl1 �