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�oioo9i4� Borrower sha11 pramptly discharge any lien which has priority over this Security Instrurnent unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a rnanner acceptable to L.ender, but only so long as Banawer is perfornung such agreement; (b) contests the lien in good faith by, or defends against 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 frorn the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrurnent. If Lender deternunes that any part af the Property is subject to a lien which can attain priarity over this Security Insttument, L.ender may give Borrower a notice identifying the lien. Within 10 days af the date on which that notice is given, Borrower shall satisfy the lien ar take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this I.oan. 5. Praperty Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which I,ender requires insurance. This insurance shall be rnaintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant co the preceding sentences can change during the term of the Loan. 1fie 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. i.ender may require Borrouver to pay, in connection with this Loan, either: (a) a one-time charge for flood zone deternunation, certifcation and tracking services; or (b) a one-tirne charge for flaod zone deternunation and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certi�cation. Borrower shall also be responsible for the payment of any fees imposed by the Federal Ernergency Management Agency in connection with the review of any flood zone detemunation resulting frorn an objection by Borrawer. If Borrower fails ta maintain any of the coverages desct abave, Lender may obtain insurance covearage, at L.ender's optian and Borrower's expense. Lender is under no abligation to purchase any particular type or amaunt of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrawer, 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. Borrower acknowledges that the cost of the insurance coverage so obtained might signi�cantly exceed the cost of insurance that Boz't'ower could have obtained. Any amounts disbursed by Lender under this Section S shall become additional debt of Borrower secured by this Security Instrurnent. 'Ifiese aznounts shall bear interest at the Nate rate frorn the date of disbursement and shall be payable, with such interest, upon notice fram Lender to Borrower requesting payment. All insurance policies rec�uired 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 L.ender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renevval certificates. If Lender requires, Borrower shall promptly give ta T.ender all receipts of paid prerniums and renewal notices. Tf Bonower obtains any form of insurance coverage, not otherwise required by Lender, far damage to, or destructian 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 af lass, Barrower shall give prompt notice to the insurance carrier and Lender. Lender tnay make proof of loss if not made promptly by Borrower. Unless L.ender and Borrower otherwise agree in writing, any insuraz�ce proceeds, whether or not the underlying insurance was required by L.ender, shall be applied to restoration ar repair of che Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an oppominity to inspect such Property ta ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �.! ,-r �-B(NE) loe� � 1 Page 6 of 15 i��s�ais: YV •�' W Form 3028 7l01 � '� .r t ;, �� (� � �