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201100285 �orrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obliga�ion secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreernent; (b) contests the lien in good faith by, or defends a�ainst enfarcement of the lien in, le�al proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceadings are pending, but only 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 Instrument, Lender may give Borrower a notice identifying the lien. Witlun 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take pne or rnore of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-tirne charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the ixnprpvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards includin�, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What l,ender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance cara 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, either: (a) a one-time charge fpr flood zane determination, certification and tracking services; or (b) a one-time charge for flood zone deterrninatipn and certi�cation services and subsequent charges each time remappings ar similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the paymez�t of any fees imposed by the Federa] Emergency Management Agency in connection with the review of any flood znne determination resulting from an obj�etion by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender' s option and Borrower' s expense. Lender is under no obligation to purchase any particular type or axnount 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, a�ainst any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Sorrower acknowledges that the cost of the insurance coverage so obtained raaight significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lendar under this Section S shall become additional debt of Borrower 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 Boxxower requesting payment. A11 insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and sha11 name Lender as znortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly �ive to Lender all receipts of paid premiurns and renewal notices. If Borrower abtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destructian of, the Property, such policy shall include a standard nnortga�e clause and shall name Lender as mortgagee and/ar as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender, Lender rnay make proof of loss if not made promptly by Borrower. Unless Lender and Barrower 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 Lander' 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 Property to ensure the 231039 NEBRA5KA - Single Family - Fannie M ae/Freddie M ac UNIFORM IN5TRUM ENT �(,� � -E�NE) (0811) Page6 of 15 Initials: �]�-) � Fprm 302$ 1/p1 � t.�....�r