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201009794 Borrower shall promptly dischargc any licn which has priority ovcr thi� Sccurity Instnuncnt unlcss $orrower: (a) agrecs in writing to thc payment of the ohligation ticcured hy thc licn in a manner acceptable to Lendcr, but only so long as I3orrnwcr iti perfo�xr�ing sucfz agrecrncr�t; (h) ci�ratests the lien iz► ��od faith by, or defcnds against enforce►nent of thc licn in, legal proccedings wkiich in Lcz�der's opinir.>�i aperatc to prevent the eqF[�rcernent of� tf�e lien while those ptoceediney are pending, but only unlil such ptoceedings are concludc�l; nr (c) secureti frorri the hplder of ihe lien an agteement tiatisfacti�ry lo Lendet subordinating the lien to ihi� Security Instrument. If Lender detennines lhat any parl of t.he Property is subject lo a lien wf.iich can attain priority over this Secutily Instnunent, Lender may give $urrower a notice idenlil'ying the 1ien. Wiihi❑ 10 days o('the date on which thut notice is given, $orrower shall satisfy the lien or take one or more oF the uctions set forih above in this Section 4. Lender tnuy reyuite Bottower to pay a one-time cl�arge f'or a real estate tax verification and/or reporting service used by Lender in connectinn with this Loan_ 5. Property Insuranee. $orrower shall kecp thc improvemcnts now existing or hereaftcr crceted nn thc Property intiured against losti hy firc, ha?arda includea wit.hin the tern� "extended coverage," sn�l any othcr hazard� including, but not limitcd to, earthquakes and floods, for which Lender requires inst�rance. '1'hiti insuranec shall hc rnaintained in the amountv (inclucling deductihle levels) and for lhe periods t}aat Lcnder rcquires_ What Lendcr requires pursttant to the pteceding sentences can change duting the term of the Loan. '1'he insurance carrier providine the insurance shall be chc�tien hy Tinrrower subject to Lendcr'ti right to di�approvc Borrowcr'ti choicc, which right shall nc>t he exetcised unreasonahly. Lender tnay require $orrower to pay, in connection with this Loan, cither� (a) a one-time chargc for #lnnd zonc deterniination, certification and tracking scrviceti; or (b) a one-tirr�e char�c for flc�nd rone determination and certilication services and subsequent charges cach time remappings or sirnilar c�aangcs occur which reasonably might affect such detennination or ccrtificaiion_ Borrower shall altio he retipnn�ihle fr�r the payincnt of any fccti imposed by thc lredcral r;ttiergency Mat.iagetr►Gnt Aget�cy in cnnnection with thc review of any f7ood zone detennination resultin� frorn an ohjection by Iiarrower_ Tf $orrowcr fails to maintain any of the coverages descr►hed ahr�ve, Len�ler may uhtain insurance coverage, al Lender's opt.ion and $orrower's expense_ Lend�r is under no obligation to purchase any purticular type or amount of coveraQC. '1'hcrcfi�rc, such coverage shall ci�vcr Lcnder, hut might nr might nut pratect $otrowet, Borrowet's equity in the Property, or the eontents of the Property, against any risk, hazard ot liabilily und might provide greater or lcsscr coverage than was previously in effect. [3orrower acknowledge5 ihut the cost of the in5urance coverage so nhtained might signrticantly cxceed the cost of innurance ihal Borrower could huve obtained. Any amounts disbursed by Lender under this Section 5 shall become uddilionul debl of Borrower secured by this Security Tnstrument_ 7'hese amounts shall bcar interest at the Nate raie 1'rom the daie of disbursement and shall be payable, with such interest, upon notice fro►n Lender tu Borrower reyuestin� payment. All in5urance policies required by Lender and rencwals of such policies shall bc suhject to Lcnder's ri�h� io disapprove such policies, shall include a standard ►nortgagc clausc, and shall narne Lender aG mottgagee and/or as an uddilional loss payee_ Lendcr shall havc the right to hold the policies and re►�cwal certilicute5. If� Lender requires, $orrower shall promptly give to Lender all CCCC1rYR O� I1flll� ]y1'l:if11i1tTl$ 8�1CI renewal noticcs. If Borrower obtains any fi�rr�� of insurance coverage, nnt othe;rwi required by Lender, Ior dainage to, or destruction of; thc Property, �uch pnlicy shall includ� a etandard mnrtgage clause and shal] naine Lendcr as inortgagcc and/or as an a�lditinnal lons payee. In the event nf los�, I3orrower �hall give prompt nol.ice to the insurance carriet and Lender. Lendet rriay rnake prnof af lotiti if ru�t tnade promptly by Borrower. Unless Lender uncl $orrower otherwise aeree in writing, atiy insurance praceed5, whelher or not the underlyine insurance was ree�titired by Lender, shal] he applicd te� restutation or repair of the Property, if the restoration or repuir is ecnnomically feasible and Lender's �ecurily is not letisened. During such repair and retitnration period, Lender shall havc the right to hold such inSL►rance proceeds until Lender has ha�l an uhportut�ity to inspect suckz Property to ensur� the NEBRASKA- Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT � V � �-6�NE) �oa�� Page 6 of 95 Initials: Fol 3028 1/O7 l.J " �.