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2aiao95si Borrowez' shall promptly discharge any lien which has priority over this Security Tnstrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a mamier acceptable Co I.,ender, but only so lang as Borrower is perfornung such agreernent; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in L.ender's opinion operate to prevenC the enforcement of the lien while those proceedings are pending, buC only until such proceedings are concluded; or (c) secures fram the holder of the lien an agreement satisfactory to I.ender subordinating the lien ta this S�curity Instrument. If Lender detemunes that any part of the Property is subject ta a lien which can attain priority nver this Security Instrurnent, 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. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reparting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included wiChin tha 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 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 carriex providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which �ight shall not be exercised unreasonably. L,ender may require Borrower to pay, in cannection with this Loan, either: (a) a one-ti[r�e charge for tlood zone determination, certificat'ron and tracking services; or (b) a one-time charge for flood zone cieternaination and certificatian services and subsequent charges each time remappings ar similar changes occur which reasonably might affect such detemunation or certification. Barrawer shall also be responsible for the payment of any fees unposed by the Federal Emergency Manageznent Agency in connection with the review of azxy flood zone deCerminakion resulcing from an objection by Borrower. If Borrower fails to maintaiu� any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Barrower's expense. I,ender 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 khe Property, against any risk, hazard or liability and might provide greater or less�r coverage than was previously in effect. Borrower acknowledges that the cost of the insuxance coverage sa obtained might significantly exceed the cost af insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additianal debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice fronn Lender to $orrower 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 Lender as mortgagee and/or as an additianal lass payee. Lender shall have the right to hold the policies and renewal certi�cates. If L.ender requires, $orrower shall promptly give to T..,eztder 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 destructian of, the Prap�rty, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additianal loss payee. In the event of loss, Boxz'ower shall give prompt notice to the insurance carrier and Lender. Lender rnay make proof of loss if not made prornptly by Borrower. Unless Lender and Borrower othervc+ise 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 restoratian 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 apportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT r Rw �-B(NE) �oa��i PageBof 15 Initial Fprm 3028 �/�1 � � ��;1'�`;' � ., � � .