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2olioo��7 Borrower shall promptly discharge any lien which has priority over this Security Instrurnent 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 &�rrower is perforrning such agreernent; (b) contesCs the lien in good faith by, or defends against enforcement of the lien in, legal proceeding5 which in Lander's opinion operate to prevent the enforcemenl of the lien while those proceedin�s are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreeanent satisfactory to Lender subordinating the lien Co this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 daya of the date on whicli that notice is �iven, Boz shall satisfy the lien or take ane or rnore of the actions set Forth above in this 5ection 4. Lender may require Borrower ta pay a one-time charge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against lass by fire, hazards included within the term "extended coverage," and any other hazard5 includin�, but not limited to, earthquakes and flc>ods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible ]avels) and for the periods that Lender requires. What Lender requires pursuant to the precedin� sentence� can change durin� the term of the Loan. The insurance carrier providin� the insurance shall be chosen by Borrower sub.ject to Lender's right to disapprove Borrower' s choice, which right shall not be exercised unreasonab1y. Lender may require Sorrawer to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determ'rnation and certification services and subsequenC charges each tune remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payznent of any fees ixnposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an orjection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverag�, at Lender' s option and Borrower' s expense. Lend�r is under no obligation to purchase any particular type or amount of coverage. `I'herefore, such coverage shall cover Lender, but mi�ht or might not protect Borrower, Borrower' s equity in the Property, or the contents of' the Froperty, against any risk, hazard or liability and might provide greater ar lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might si�nificantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disburs�rnent and shall be payable, with such interest, upon notice frozn Lender to Barrower requesting payment. All insurance policies required by Lender and renewals o£ such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgag�e and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certaficates. If Lender requires, Borrower shall promptly give to Lender all receipts o,f paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage ta, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as ara additianal loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not zanade promptly by Borrower. Unless Lender and Borrower othez a�;ree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if th� restoration ar repair is economically feasible and Lender' s security is not lessened. During such repair and restoration period, Lender shall have the raght to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 231034 NEBRASKA - Single Family - Fannie M ae/Freddie M ac UNIFORM INSTRIIM ENT �-6(NE) (oe��) Page6 of 15 �nitia�s! FOrm 3028 1101 � ��