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2oioosisv $orrower shall prornptly discharge any lien which has priarity over this Security Instrument unless Borrower: (a) agrees in writing to the payrnent of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcernent of the lien in, legal proceedings which in Lender's apinion aperate to prevent the enforcernent of the lien while those proceedings aze pending, but only until such proceedings are concluded; or (c) secures frorn the holder of the lien an agreement satisfactory ta Lender subordinating Che 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 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. L.ender may require Borrower to pay a one-tirne charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. P�roperty 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 Lender requires insurance. This insurance sha11 be maintained in the amounts (including deductible levels) and for the periods that L.ender requires. What Lender requires pursuant to the preceding sentences can change during the term of the L.oan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-tirne charge for flood zone dctermination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time rennappings or similar changes occur which reasonably might affect such determination or cextification. �orrower 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 detern�ianation resulting fro�n 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 protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater ar lesser coverage than was previously in effect. Borrower aclrnowledges that the cost af the insurance coverage so obtained might significantly exceed the cost of insurance that Barrower could have obtained. Any amounts disbursed by Lender under this 5ection 5 shall became �dditional debt of Borrower secured by this Security Instrument, These amounts shall bear interest at the Note rate from the date af disbursement and shall be payable, with such interest, upon notice from I,ender to Borrower requesting payment. All insurance policies required 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 renewal certificates. If Lender requires, Borrower shall promptly give ta Lender all receipts of paid prerniurns and renewal notices. If $orrower obtains any farm of insurance coverage, not otherwise required by Lender, for damage to, ar destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lendar 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 rnay rnake proof of loss if not made pramptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether ar 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 Lendex's security is not lessened. During such repair azid restoration period, J.,ender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) laet t 1 Page 6 of 15 inieiais: Porm 3028 7l09 .• a! � 'li +�I��