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2oiloo340 Borrower shall prompdy dischargc any lien which has priority over this Security Instrument unlcss Borrower: (a) agrees in writing to the payrnent of thc obligatioa secux�ed by the lien in a manner aeceptable to Lender, but only so lnng as Borrower is performing such agrecment; (b) cantests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which iva I,ender's opinivn operale w prevent the enforcement vf the lien while those proceedings are pending, but only until such proceedings are conciuded; or (c) sccures frvm the holder of the lien an agreement satisfactory to Lender sut�ordinatin� the liea to this Security Instrument. If L,eruier determines that any part of the Property is subject to a lien which can attain priority over this Secnrity Instrument, Lender 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 or lake one or more of lhe activns set forth above in this Seclion 4. I,ender may require Bvrrower to pay a one charge for a real cstate tax veri�cation and/or reporting service used by I.ender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements naw existing or hereaftcr ercctcd on the Property insured against l�ss by f"ire, hazards included within thc tcrm "extended coverage, " and any other hazards including, but npt limited to, earthquakes and floods, for which I.ender requires insurance. This insurance shall be maintained in the amounes (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentenr;es can change during the term of the Loan. The insuxance carrier providing the insurancc shall be chosen by Borrc�wer snbject to Lender's right to disapprove Borrower's cLoice, which right shall not be exercised unreasonahly. Lencier may require Borrower w pay, in connection with this Laan, either: (a) a one-time charge for t]ood zone determination, certi�cation and traeking services; or (b) a one-time charge for flood wne deterrnination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsiblc for tlxe payment of any fees it�oscd by the Federal Emergency Management Agency in conneclion wiih ihe review of any flovd zone deter�nination resulting from an ohjection by Bc�rmwer. If Borrower fails to tnaintain any of the coverages describecl ab�ve, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. I.ender is under no obligation to puxehase any particular rype or amount of caverage. Therefore, snch coverage shall cover L.ender, but might or might not protect Borrower, Bonower's equity in lhe Property, or the contents of the Property, again�t any risk, hazard or liability anci might provide greater ar lesser coverage than was previonsly in effect_ $orrower acknowledges that the c:c�st of the insurance caverage so obcaineri might significantly exceed the cost c�f insurance that Bonower could have obtained. Any a�naunts dishursed by Lender under this Section 5 shall become additional de6t of Borrower secured by this Security Instrumcnt. T'hese amounts shall hear interest at the Note rate from the date af disbursement anci shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance pcylicies required by Lcnder and renewals of such policies shall be subjecl to L.ender's right to disapprove such policies, shall include a standard mortgage clausc, and shall name L.ender as martgagee and/or as an additinn�rl loss payee. Lender shall hxve the right to hold the policies and renewal certiCicates. IC I.ender requues, Borrower shall pmmptJy give to L.ender all receipts of paid premiums anci renewal notices. It Borrower abtains any form of insurance coverage, nat otherwise required hy Lender, for damage to, or destruction of, the Property, sueh policy shall include a scandard mortgage clause and shall n,ame Lender as mortgagee and/�r as an additional loss payee. In thc cvent af l�ss, Borrowcr sha11 give prompt notice to lhe insurancc carriez and Lender. Lender maq make proof of loss if not made promptly by Borrower. Unless L.encier and Borrower atk�erwise agree in writing, any insurance proceeds, whether or nat the underlying insuranr;e was required by I.ender, shall be applied to restoration vr repair of the Property, if the restoration or repair is economically feasiblc and Ilender's suurity is not lessened. During such repair and restaratian period, Lender sha11 have the right ta hold such insurauce procecds nntil I,ender has had an opportunity to inspect such 1'roperty to ensure the NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT WITH RS �-s/��N�� 10$7 pl Paye 6 of 16 Inipals: � �orm 3028 �/Oh /�� III II��II�IIII�� I��I�II qD3]40243477 0733 779 0615