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201p09801 Borirower shal] pronnptly 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 rrxannar acceptable to Lender, but only so long as Borrower is performing such agreeznent; (b) contests the lien in good faith by, or defends against enforcement of the li�n in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the licn while those proceedin�s are pending, but only until such proceedin�s are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrurnent. If Lender determines that any par� of the Property is subject to a lien which can attain priority over this Securiry Instrument, Lender may give Sorrower a notice identifyin� the lien. Within 10 days of the dat� on which that notice is given, Borrower shall satisfy the li�n or take an� or more of the actions set forth above in this Section 4. Lender may require Borrower tn pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection vaith this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazarda included within the term "extended coverage," and any otk�er hazards including, but not lunited to, earthquakes and floods, for which Lender requires insurance. This iansurance 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 to Lender's right to disapprove Bprrawer's choice, which right sha11 not be exercised unreasonably. Lender rnay require Borrower to pay, in connection with this Loan, either: (a) a one-time charge far f]nod zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination. and certificatipn services and suhsequent char�es each time remappings or sirnilar changes occur which reasonably rnight affect such determination or certification. Borrower shall also be responsible for Che payment of any fees irnposed by the Federal Eznergency Management Agency in connection with the review of any flood zane determination resulting from an objection by Borrower. If Boz�rower fails to maintain any of the coverages described above, Lender xnay pbtain insurance coverage, at Lender' s option and Borrower' s expense. Lender is under no obligation ta purchase any particular type or amount af epverage. Therefore, such coverage shall cover Lender, but might or rnight not protect �orrower, Bonrower' s equity in the Froperty, or the contants of the Froperty, against any nisk, hazard or liability and might provide greater or lesser coverage thaxa was previously in effect. Borrower acknowledges that the cost of the insurance caverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any arnaunts disbursed by Lender under this Section 5 shall becoma additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Nate rate from the date of disbursement and shall be payable, with such interest, upon notice frarn Lender ta Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's ri�ht to disapprove such policias, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as axa additional loss payee. Lender shall have the right to hold the policies and renewal. certificates. If Lender requires, Bprrower shall promptly give to Lender all receipts of paid premiuxns and renewal notices. If Borrower obtains any farm of insurance coverage, nat otherwise required by Lender, for damage to, or destruction of, tk�e Property, 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, Sorrower shall give prompt notice to the insurance carrier and Lender. Lender may make propf af loss if not made promptly by Borrower. Unless Lender and Bvrrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restaration or repair of the Property, if the restoration or repair is economically feasible and Lender' s security is not lessened. During such repair and restoration period, Lender shall have the right ta hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 231018 NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT �-6(NE) �oe�i� PaAes or �s Initials: � Form 3028 1101 m