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2o�oo9s�4 Borrawer shall promptly discharge 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 anly so lottg as Borrower is performing such agreement; (b) contests the lien in �ood faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's apinion 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 ofthe lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. lf 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. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by L�nder 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 within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, 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 Borrower subject ta 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-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood xone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Pederal Emergency Management Agency in cannection 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, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no nbligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might ar might not protect Borrower, Borrower's equity in the Property, ar the contents of the Property, against any risk, hazard or liability and might provide greater ar lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might 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 Instrument. These amounts shall bear interest at the Note rate frotn the date of disbursement and shall be payable, with such interest, upon notice frorn Lender 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 Lender as mortga�ee and/or as an additional loss payee. Lender shall have the right to hold the policies and r�newal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal 1757307723 NEBRASKA-Single Family-Fannia MaelFreddie Mac UNIFORM INSTRUMENT Form 30281l01 VMP� Wolters Kluwer Financial Services 201011309.5.0.0.400220100528Y Initials. Pege 8 of 17 "HL 17 73077