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�Oii00375 $orrower shall promptly discharg� any lisn which has priority over this Security Instrument unless $orrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfarming 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 ta prevent the enfarcement of the lien while thase proceedings are pending, but anly until such proceedings are concluded; or (c) secures from the holder of the lien an agre�ment satisfactary 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 priarity over this Security 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 take ane or rnore of the actions set forth above in this Section 4. Lender may require Borrower to pay a ane-time charge for a real estat� tax verification and/ar reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower sha11 keep the improvements now existing or hereafter erected on the Property insured against loss by �re, hazards included within the term "extended caverage," and any other hazards including, but not limited to, earthquakes and floads, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductibls levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasanably. Lender may require Borrower to pay, in connection with this L.oan, either: (a) a one-time charge far flood zone determination, certification and tracking services; or (b) a one-time charge for flood zvne determination 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 responsible for the payment of any fees imposed by the Federal Emergency Managernent Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender rnay obtain insurance coverage, at Lender's option and Borrnwer's expense. Lender is under no obligation to purchase any particulax type or amount of coverage. Therefore, such coverage shall cover Lender, but might or rnight not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained rnight significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall becorne additional debt af 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 I,endex to Borrower requesting payment. All insuxance policies required by Lender and renewals of such policies shall be subject to I,endex's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid prerniums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for darnage to, or destruction of, the Property, such policy shall include a standard rnortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice ta the insurance carrier and Lender. Lender rnay rnake proof of loss if not made promptly by Barrower. Unless Lender and Borrower 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 restoratian 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 J,ender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-B�NE) (0811) Page 8 af 15 in�t�ais: �� Form 3D2$ 9l09 .��v�