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20�iQ02�G Borrower shall promptly discharge any lien which has priority c�ver this Security Instrument unless $orrower: (a) agrees in writing to the payment of the obligation secured by the lien in a rnanner acceptable to Lender, but. only so long as Borrower is performing such agreement; (b) cantests 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 ta Lender subordinating the lien to 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 ]ien. Within l0 days of the date on which that notice is given, Borrower shall satisfy the lien or take 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 ta�c verification 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 a�ainst lass by fire, hazards included within the term "extended coverage," and any oth�r hazards including, but nat lirnited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounta (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 Laan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's chnice, which right sha11 npt be axercised unreasonably. Lender may require Bprrpwer 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 determuiation and certification services and subsequent charges each time rexnappings or similar changes occur which reasonably might affect such determination or certification. Sorrower shall also be re5ponsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the revie�x� of any flpad zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages describ�d above, Lender may obtain insurance coverage, at Lender' s option and Barrower' s�xpense. Lei�der is under no obligation to purchase any particular type or annount of coverage. Therafore, such coverage sha11 cover Lender, but might or mi�ht npt protect Bprrower, Borrower' s equity in the Property, or the contents of the Property, against any risk, hazard ar liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained rr��ght significantly exceed the cost of insurance that Borrower could have obtained. Any axnounts disbursed by Lender under this Sectian 5 shal] become additional debt of Borrower secured by this Security lnstrument. These 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 Barrawar requesting �ayrnent. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, sha11 include a standard mortgage clause, and shall name Lender as mortgagee andJar as an additianal loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Sprrower sha11 promptly give to Lender all receipts of paid premiums and renewal notices. If Borrawer abtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction pf, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee ar�d/or as an additional loss payee. In the event of loss, Borrower shal] give prpmpt notice to tkae insurance carrier and Lender. Lender may make proof of loss if not zraade proznptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insuraz�ce 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 is not lessened. During suCh repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity ta inspect such Property to ensure the 231037 NEBRASKA - 5ingle Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) �aei�� Page6 of 15 inici Form 3028 1101 � / t�