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2oiioo2�9 Borrower shall promptly discharge any lien which has priority over this 5ecurity 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 ]ong as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate ta prevent the enforcexnent of the lien while thase proceedings are pending, but only until such proceedings are concluded; or (c) secures fram the holder of the lien an a�reement satisfactory to 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 priarity over this Security Instrument, Lezader may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien pr 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 estaCe tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing ar hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthqualces and floods, for which Lender requires insurance. This insurance shall be maintained in the amvunts (including deductible ]evels) and for the periods that Lender requires. What Lender requires pursuant ta the preceding sentences can chan�e during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right ta disapprove Borrower' s choice, which right sha11 not be exercised unreasonably. Lender may require Borrower to pay, in connection wiCh this Loan, either: (a) a one-time charge for fload zone determination, certi�cation and trackin� services; or (b) a one-tinne char�e for flood zone determinatipn and certification services and subsequent char�es each time remappings or similar changes occur which reasonably might affect such determinatian or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrpwer. If Sorrower fails to maintain any p£ the coverages described above, Lender may obtain insurance coverage, at Lender' s option and Bormwer' 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 Borrower, Borrower' s equity in the Property, or the contents of the Property, against any risk, hazard or liability and rnight provide greaCer or lesser covera�e than was previously in effect. Barrower acknowled�es that the cost of the insurance coverage so obtained might 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. These amounts shall bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon zaotice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies sriarr include a standard mortgage clause, and shall name Lender as mortgagee and/or as an addational loss payee. Lender shall have the right ta hold the policies and renewal certificates. If Lender requires, Sorrower shall promptly give to Lender all receipts af paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, fvr darnage to, or destruction of, the Property, such policy shall include a standard mortgage clause and sha11 name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shal] give prompt notice to the insurance carrier and Lender. Lender rnay make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied tv restpration or repair of the Property, if the restoration or repair is econon:aically feasible and Lender's security is not lessened. During such repair and restoration period, Lender sha11 have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 231038 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUM�NT �-6(NE) �oa� �� Page 6 of 15 i��t�eig: Form 3028 1/p1 m