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�o�ioo��4 �orrower sha11 promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agr�es in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower i� performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, le�al proceedings which in Lender's opinion aperate 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 Co Lender subordinating the lieza to this Security Instrument. If Lendear determines that any pa� 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 days of tlie date on which that nntice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Sectidn 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification arid/or reporCin� service used by Lender in connection with this Loan. S. Properry lnsurance. Borrower shall keep the improvements now e�:isting or hereafter erected on the Propercy insured against loss by fire, hazards included within the t.erm "extended coverage," and any other hazards including, but not limited to, earthquakes and flaods, 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 requires pursuant to the preceding sentences can change during the terxn of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject. to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, eitk�er: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone deterrnination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certifcation. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection witl� the review of any flood zone d�terrnination resulting from an objection by Borrower, If Borrower failc to maintain any of the coverages deticribed above, 'Lender may obtain insurance coverage, at I,ender' s nption and Borrower' s expense. Lender is under no obligation to purchase any particular type or amount af coverag�. Therefore, such coverage shall cover 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 ziaight provide �reater or lesser coverage than was previously in effecC. Sorrower acknowledges that the cost of the insurance coverage so obtained nnight significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt af Borrower secured by this Security Instrument. Thes� amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies sha11 be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall nanie Lender as mortgagee and/or as an additional loss payee. Lender sha11 have the right to hold the policies and renewal cerCificates. If Lender requires, Borrower shall promptly give to Lender all receipts pf paid premiums and renewal notices. 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 mortgage clause and shall name Lender as mortgagee and/nr as an additional 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 made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether ar not the underlying insurance was required by Lender, sha11 be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and. Lender' s security iti not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opporiunity to inspect such Property to ensure the 231040 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFQRM INSTRUMENT �-6(NE)�os��) Pege6oF15 in�c�ai Form3028 1101 �