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��'� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of die obligation secured by the lien in a manner acceptable to Lender, but only so ]nng as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion 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 of the lien an agreement satisfactory to Lender subordinatin�; the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a li�n wl�ich can attain priority over this Securaty Instrument, Lender may gi.ve 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 �et forth above in this Section 4. Lender may require Borrower to pay a one-tune charge. for a r�al estate tax verification and/or reporting service used by Lender in connection with this Loan. _5. Property Insurance. Borrower shall keep the unprovernents now existing or hereafter erected on the Property insured against lr�ss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthguakes 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 rec�uires pursuant to the preceding sentences can change during the t�rrn of the Loan. 'The insurance carrier providing the insurance shall be chosen by Borrawer subject to Lender's right to disapprove Borrower' s chaice, which right shall not be excrcised unreationably. Lender may require Borrower tn pay, in connectinn with th.is Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time rernappings or similar changes occur which reasonably rnight affect such determination ar certification. Borrower shall also be responsible for the payment of any fees imposed by the Federa1 Ernergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If �orrower fails to maintain any of the cov�ra�es described a6ove, Lender may obtain insurance coverage, at Lender' s option and Borrower' s expense. Lender is under no obli�ation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower' s equity in the Property, or the contents of the ProperCy, against any risk, hazard or liability and might provide greater or les5er coverage tl�an was previously in effect. Borrower acknowledges that the cost of the in5urance covera�e so obtained might significant1y exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 sl�all become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date af disbursement and shall be payable, with such interest, upon notice from Lender to Borrawer 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 mortgagee and/or as an additional loss payee. T�ender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shal] promptly give ta Lender all receipts of paid premiums and renewal noticea. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage tp, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee andJor as an additipnal loss payee. ln the evant of loss, Borrower shall give prpmpt notice to th� insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless �ender and Borrawer otherwise agree in writing, azay insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender' s security ia 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 231026 NEBRASKA - 5ingle Family - Fannie MaelFreddie Mac UNIFOFtM INSTRUMEN7 �-6(NE) �oaii� Page6 oF 15 iniciai Form 3028 1101 � (/ �`� .