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241009330 Borrower shall pxoznptly discharge any lien which has priority over this S�curity Instrument unless Bonower: (a) agrees in writing to the payznent of the obligation secured by the lien in a manner acceptable to L.ender, but only so long as Barrower 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 from the holder of the lien an agreement satisfactory to Lender subordinating the lien to khis Security Instrument. If Lender detemunes that any part of the Property is subject to a lien which can attain priority over this Security Tnstrument, I,ender may give $orrower a notice identifying the lien. Within 1p 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. �.ender may require Borrower to pay a ane-time chazge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. S. Property Insurance. Borrawer shall keep the irnprovements now existing or hereafter erected on the Property insured agaiz�st loss by �re, hazards included within che term "extended coverage," and any other hazazds including, but not lirnited to, earthquakes and floods, for which L.ender requires insurance. This insurance shall be rnaintained in the arnounts (including deductible levels) and far 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 Borrower subject to �..ex►der's right to disapprove Borrawer's choice, which right shall not be exercised unreasot�ably. Lender rnay require Borrower to pay, in connection with this I.aan, either: (a) a one-tirne charge for �lood zone deternunation, certification and tracking services; or (b) a one-tirne charge for #]ood zone deternunation and certiffcation services and subsequent chazges each tirne rernappings or similar changes occur which reasanably might affect such determination or certification. Borrower 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 deternunation resulting from an objection by Borrower. If �orrower 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 I.ender, but might or might nat protect Borrower, Borrower's equity in the Froperty, 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 aclrnowledges that the cost of the insurance coverage so obtaianed might signi�cantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by I.,ender under this Section 5 shall becorne additional debt of Borrower secured by this Security Instrwment. T7aese amounts sha11 bear inter�st at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice from Lender to $onower requesting payment. All insurance policies required by Lender and renewals of such policies shall be sabject to Lender's righC to disapprove such policies, shall include a standard mortgage clause, and shall narne Lender as mortgagee and/or as an additional loss payee. L.ender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If 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 rnortgage clause and shall name Lender as mortgagee and/or as an additional loss paye�. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Barrower. Unless L.ender and Borrower otherwise agree in writing, an.y insurance proceeds, whether or not the u�derlying insurance was required by L.ender, shall be applied to restoration or repair of the Property, if the restoration or repair is ecanomically 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 to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac 11NIFORM INSTRUMENT �-6(NE) IOSt�� Page6of 15 i��c�ais: Form 3028 1/01 � � � � ` ` �� ' • � d A ' , w V 6