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2oii000�g Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Sorrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the ]ien in good faith by, or defends against enforcen�ent of the lien. in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the li�n 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 subordinating the lien to thia Security Instruznent. I£ Lender determines tliat any part of the Property is subject to a lien which can attain priority over this SecuriCy Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower 5ha11 satisfy the lien or take one or nnore of the actions set fortlz above in this Section 4. Lender may require Borrower to pay a one-tixne charge for a real estate tax verification and/or reporting service u:.ed by Lender in connection with this Loan. .5. Prope►'ty Xnsurance. Borrower shall keep the improvements now existing or hereafter erected on Che Pmperty insured against loss by �re, hazards included wlthin the term "extended coverage," and any other hazards includin�, bul not limited to, earthquakes and floods, for which Lender requires insurance. This insurance sk�all be maintained in the amounts (including deductible levels) and for the perioda that Lender requires. What Lender requires pursuant to the preceding Sentences can change- during the t�rni of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Barrower' s choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-tizne charge for flood zone determination, certification and trackin� services; ar (b) a one-time charge for flood zone determination and cerCification service� aand subsequent char�es eack� time remappings or similar changes occur which reasonably mighc affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management A�;�ncy in connection with the review af any flaod zone determination resultin� from an objection by Borrower. If Borrower fails to maintain any o£ the coverages describc;d above, Lender may obtain inaurance covera�;e, at Lender' s option and Borrower' s expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect I3orrower, Borrower' s equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cast of the insurance caverage so obtained might significantly exceed the cost of insurance that Sorrower could have obtained. Any amounts disbursed by Lender under this Section 5 sliall become additional debt of Borrower secured by this Security Instrunnent. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice frozxa Lender to Borrower requestin�; payrnent. All in�urance policies required by Lender and renewals of such policies shall be subjecC to Lender's right to disapprove such policies, shall include a standard mortgage clause, and sk�all name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal natices. 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 standard mo�tgage clause and shall name Lender as mortgagee andJor as an additional loss payee. In the event of loss, Borrower shall give prompt notice ta the insurance carrier and Lender. Lender may make proof of loss if not made prornptly by Borrower, Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, wheth�r ar not the underlying inaurance was required by Lender, shall be applied to restoration or repair of the Property, if the restnration or repair ia economically feasible and Lender' s security i5 not lessened. Durin� such repair and restoration period, Lender shall have the ri�;ht to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the ��c��y�:� NEBRASKA - Single Family - Fannie M ae/Freddie M ac UNIFORM INSTRUM ENT I �-6(NE�(oe�t) Page6oF15 Initials:��`�- Fprm3028 1101 �