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2010Q97�3 Borrower shall promptly discharge any lien which has priority 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 sa long as Borrower is performing such agreernent; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate ta prevent the enforcement of the lien while those proccedings 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 aver this Security Instrument, Lender may give Borrower a natice identifying th.e 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. 7.ender rnay require Borrower to pay a one-tirne charge for a real estate tax verification and/or areparting service used by Lender in connection with this Loan. 5. Property Insarance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards include� within the term "extended coverage," and any ather hazards including, but not limited ta, earthquakes and floods, for which Lender requires insurance. This insurance shall be rnaintained in the arnounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term af 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 exercise.d unreasonably. L.ender may require Boarrower to pay, in canne�tian with this Loan, either: (a) a one-time charge for flood zone determination, certificatioan and tracking services; or (b) a one-time charge for flood zan� detemunation and certi�cation services and subsequent cha�rges each time rem�appings or similaz changes occur which reasonably might affect such deternunation or certification. Borrower shall also be responsible for the payment of any fe�s imposed by the Federal Emergency Management Agency in connection with the review of any �]ood zone deternunaCion resulting from ao. objectian by Borrower. If Borrower fails ta maintain any of the coverages describe.d above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligatian to purchase any particular type or amount of coverage. Therefare, such coverage shall cover I.ender, but might or rnight noc protect Borrower, Borrawer's equity in the Property, or the contents of the Property, against any risk, hazard or liability a�nd might prnvide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cast af the insuraz�ce coverage so obtained might signi�cantly excced the cost of iwsurance that Sorrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bcarrower secured by this Security Instarument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon natice from Lender to Banower requesting payment. All insurance policies required by Lender and renewals of such. policies shall be subject to I.ender's right to disapprove such policies, shall include a standard mortgage clause, and shall narne Lender as rnortgagee and/or as an additional loss payee. L.ender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrawer 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 sCandard mortgage clanse and shall narne Lender as mortgagee and/or as an additional loss payee. In the event of lass, Borrower sha11 give prornpt nocice to the insurance carrier and Lender. Lender may make proof of loss if not made prompCly by Borrower. Unless I.ender and Borrower otherwise agree in writing, any insurance proc�eds, whether or not the underlying insurance was required by L.ender, shall be applied to restoration or repair of the Property, if the restoration or repair is �conomically 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 MaelFreddie Mac UNIFORM INSTRUMENT /�� � -61NE) Ioa� i� Page 6 of 15 INtlals: !f� T Form 302$ 71p1 � �t��--