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2olioo��4 Bo� shall proznptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agreea in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so lpng as Borrower is performing such agreement; (b) contests the lien in good faith by, pr defends against enforcement of the lien in, le�al proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but anly until such proceedings are concluded; or (c) secures from the holder of the lien an agreement 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 priority over this Security lnstrument, Lender zxiay give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, �orrower sha11 satisfy the lien or take one or rnore of the actians set farth above in this Section 4. Lender may requir� Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. S. Property Insuranee. Borrower shall keep the improvements now existing or hereafter erected on the Froperty insured against loss by fire, hazards included within the term "extended caverage," and any other hazards including, but not limited to, earthquakes and floods, for whicta Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What I.ender requires pursuant to the preceding sentences car� chan�e during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subjact to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender rnay require Borrower Co pay, in connection with this Loan, either: (a) a one-time char�e for flood zone determination, certi�cation and tracking services; or (b) a one-time cl�arge for �lood zone determination and certificatipn s�rvices and subsequent charges each time remappings ar similar changes occur which reasonably might affect such determination or certification. Borrower shall a15o be responsible for the payrnent of any :Feea imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. Tf Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's optian and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but rnight or might not protect Borrowex, Borrower' s equity in the Property, or the contents of the Pmperty, against any risk, hazard or liability and might provide greater pr lesser coverage than was previously in effect. I3orrower acknowledges that the cost of the insurance coverage 50 obtained might significantly exceed the cost af insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addiCional debt of Sorrower secured by this Security Instrument. 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 Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprqve such policies, shall include a standard mortgage clause, and shall name Lender as rnprt�a�ee and/or as an additional loss pa.yee. Lender shall have the right to hold the policies and renewal certificates. If �,ender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrpwer obtains any form of insurance coverage, not otherwis� required by Lender, for daz�aage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mprtgagee and/or as an additional loss payee. In the event of lpss, Barrower shall give prompt notice to the insurance carrier and Lender. Lender may rnake proof of loss if nnt rnade promptly by Borrower. Unless Lender and Borraw�r otherwise agree 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 the restoration or repair is economically feasible and. [,ender' 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 to inspect such Prpperty to ensure the ��i��L�l NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUM�NT ['�{� �-6(NE) �oeii� Page6 of 15 Initials: l.�' `� Form 3028 1101 �