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2oa.loo�_�o Borrower shall promptly dischar�e any lien which has priority over this Security Instrument unless Borrower: (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 perforrning such agreement; (b) contests the lien in good faith by, or defends against enforcement af the lien in, legal proceedings which in Lender's opinion op�rate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; ox (c) secures from the holder of the li�n an agreement satisfact�ry to Lender subordinating the lien to this Security Instrument. If Lender deterzx�in�s that any part of thE Property is subject tc� a lien which can attain priority over this Security Instrument, Lender may give Borrnwer a notice identifying the lien. Within 10 days of the date on which that notice is givcn, Borrower sha11 satisfy the lien or tak� one or more of the actions set forth above in this Section 4, Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or repprting service used by Lender in connection with this Loan. 5. Property Insnrancc. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against l.oss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for whick� Lender requires insurance. This insurance sha11 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 sublect tc� Lender's right to disapprove Borrower's choice, which right shall not. be e�:ercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-tiine charge for flood zone determination, certificatipn and tracking services; or (b) a one-time charge far flood zone determination and certification services and subsequent. ckaarges each time remappings or similar change5 occur which reasonably might affect such determination or certi�cation. Borrower sha11 also be responsible for the payment of any fees imposed by the Federal Emergency Management Agenc,y in connection u�ith the review of any flood zone deternnination resultin� from an obiection by Borrower. If Borrower fails to maintain any o£ the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender i� under no obligation ta purchase any particular type or arnount of coverage. Ther�fore, such coverage shall cnver Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser covera�e than wa� previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained mi�ht tiignificantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Barrower secured by this Security Instrument. These amounts shall bear intercat at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and rexiewals pf such policies sha11 be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, az�d shall name Lender as mortgabee 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 notices. If Borrower obtains any fprm of insurance coverage, not otherwise required by Lender, for damage to, or destruction o�, the Praperty, such policy shall include a standard mortbage clause and shall name Lender as mortgagee and/ar a,5 an additional loss payee. In the event of loss, Borrower s1�a11 give prompt notice to the insurance carrier and Lender. Lender may malce proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether ar noc the underlyin� insurance was required by Lender, sha11 be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and T.ender's security is not lessened. Durin� such repair and restoration period, Lender shall have the right to hold such insurance proceeds until I,ender has had an opportunity to inspect such Property to ensure the ��1X�� NEBRA5KA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRIIMENT �� �-B(NE) (0811) Page6 of 15 Initials: �v Form 3028 1/01 �