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20��00044 Bottower nhall prornrtly ditichargc any licn which hati pric�rity uver this Security lnstnunent unless Borrower: (a) agree� in writing to the payrnent of the ohligatiozi secured hy thc licn in a manner acceptable lo Lender, bul only sri Ipn� as I3orrower is perfi�rrnirt� such agteement; (b) crmtests thc licn in good faith by, or defends again�t c;nfurcement of thu lien in, lt�al proceeding� which in Let�der'� opinion operate to prcvent the enforceinenl. ol� lhe lien while thotie ptoceedings are pendin�, but only until such pruceedingti are concluded; or (c) secures lrom the holdet of 1he lien an agreement satislactory to Len�ler tiuborclinatiug the licn tn this Securily Inslrument. If Lender detennines tl�at any part of the Propetl.y in suhject t�� a lien which can attain priority ovcr this Sectiirity Instr�unent, Lender may give C3orrower a notice idenlilying the lien. Within 10 days of (he dute on which ihat nolice is given, Borrower shall sutisfy lhe lien or take one [�r mr�re of the actiona sct forth above in this Section 4. Lender n�ay require Borrower to pay a one-timc chargc for a rcal estate tax verilicalion and/or teporting �ervice u�ed by Lender in connection with this Loan_ 5. Property Ir�surance. i3orrower shall kecp the i�nprovements nnw existing nr hereafter crected on the Ptoperty insure�l agait�st latis hy fire, hazardti incluacd within the tem► "extcnded coveragc," and any other hazurds including, but not limited to, earthquakes and lloods, Ior which Lender require� irasixranec_ This in5urance 5hu11 be maintained in the am��unts (including deductible lev�:ls) an�t fi�r the periods that ],ender requires. Whut Lender requiren pursuani to the preceding sentences can change during the tettn of lhe Loan. The insurance carr►er provi�ling the it�surance �hall be chosen by Bnrrower stthject to I,endcr's right to disapprove i3nrrciwer'ti chniee, which ri�ht nh�ll noi he exerci�ee] unrcasonahly_ Lender may require Sotrower t�� pay, ita ci�nncction with thiti Lpan, either: ( a) a one-tirric chargc for flood zone delerminatipn, eertification and tracking services; or (b) a nno-time char�e for flood zone detennination and certificatian serviceti and �ubsequcnt charges cach tirne renraappings or sirnilar changes occur which reaspnably rnight affect �uch detcnuination or certitication_ Iiorrower tihall also be responsible lor Ihe payment pf any fecs iiriposcd by thc l�cdcral rmcrgency Managetnent Agcncy in conncction with the review nf atay tlo��d �onc dctermination resulting from an objcction hy i3orrower_ If I3orrower failti to maintain any of thc covcra�cs �leticrihe�l abr�ve, Lcndcr may obtain insurance cc�verage, at Lendcr's option and C3orrowcr's cxpcnsc_ Lcnder is un�ler no obligation to purchase any rariicular typ� or amount of covcragc. '1'herefore, such coveraec tihall covcr Lender, but might or mighl r�nt protcct I3orrowcr, Borrower's equity in the Property, or the contentti of the Property, against any risk, hazard or liability and might provicle greulet or lesser coverage than was previously in el'fecl. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cosi of insurance that Borrower could have obtained. Any ainounts disbursed by Lender under lhis Section 5 shall hecome additional debt of $orrower secured by this Security Instnimcnt_ '1'hese amounts shall bear intere5t at thc Note rate from the clale of disbursement and shal] be payable, with siich interesl, upon notice ftom Lender to I3orrower requestrng payment. All insurancc policies required by Lender and renewals of such policies shall be subject to Lender's right to di�approve such policies, shall include a standard mortgage clause, and shall name Lender a� mortgagec and/or as an additional loss payee. Lender sliall have thc right to hold the policies and renewal ecrtificates_ lf Lender requires, Borrower shall promptly give tn Lender all receipts of paid premiums and renewal notices_ If Bnrrower obtains any forn� of in�urance coverage, n��t othcrwise required by Lender, (�or darnage to, or destruction of, the Property, such policy shall include a standard moriga�e clause ancl shall name Lcnder as mortgagcc and/or as an additional lotia payee. In th� event of loss, I3orrowcr shall givc prornpt noticc ta the insurance carricr and Lcndcr_ Lender inay make ptoo£ of lass if rYat made promptly by Borrower. Unless Lender and Barrower otl�erwiae agrcc in wriling, any insutance proceeds, whether or not the underlying insurance was tequired by Lender, shall be applied to restoration or tepair of ihe Ptoperty, if ihe restoration or repair is economically feusible and Lender's sccurity i� nol lessened. During such repair and re�toration �criod, Lender shall have the right lo hold tiuch insurancc proceeds imtil Lender has had an opportunity to intipect such Property to ensure lhe NEBRASKA- Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-B(NE) (0811) Page 6 of 15 Initials: / Form 3D28 1/U1