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2a1409244 Sorrower shall promptly ditichar�e 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 Borrower is performing such agreement; (b) cantests 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 th� lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to 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 may give Borrower a notice identifying the lien. Within ] 0 days of the date on which that notice is given, Borrower sha11 satisfy the lien or take one or more of the actions set forth abave in this Section 4. Lender may require Bonrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in cpnnection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured a�ainst loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not lunited to, earthquakea and flaods, 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 chosen by Horrower subject to Lender's right to disapprove Borrower' s choice, which right sha11 not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a ane-time charge for fload zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequ�nt charges each time remappings or similar changes occur which reasonably might affect such determination or certi�cation. Borrower shall alsa be responsible for the payment of any fees irxaposed by the Federal Ernergency Management A�ency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, T�ender 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 Prpperty, ar the contents of the 1'rope�rty, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in eFfect. Barrower acknowledges that the cost of the insurance coverage so obtained rnight significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instruxnent. These amounts shall bear interest at the Note rate from the date af disbursement and shall be payable, with such interest, upon notice from �,ender to Borrower reguesting payment. All uasurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disappxave �uch 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 hald the policies and renewal certi�cates. If Lendar requir�s, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. lf Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower sha11 give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and �orrower othenvise agree in writing, 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, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property ta ensure the 230994 NEBRASKA - Single Family - Fannie M aelFreddie M ac UNIFORM INSTRUM ENT �-6�NE) �oeit� Pege6 of 15 �nitia�s: �orm 3028 1(01 �