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2o1ioo3s3 Barrower shall promptly discharge any lien which has prioriiy over this Security Instrument. unless Borrower: (a) agrees in writin� to the payment of the obligation secured by the lien in a manner acceptable ta Lender, but only so ]ong as Borrower is performing such agreement; (b) contests the lien in good faith by, or de�ends against enforcement of the lien in, legal proceedin�s which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures frorn 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 priority over this Security Instrument, Lender may �;ive Borrower a notice identifying the lien. Within ] 0 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or mpre of the actions set forth above in this Section 4. Lender may require 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 Insurance. Bprrnwer shall keep the iznprovements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended covera�e," and any other hazards including, but not limited to, ea� and floods, for which Lender requires insurance. This insurance sha11 be. maintained in the amounts (including deductible 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 righl shall noc be exercised unreasonably. Lender rnay require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and trackina services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Barz ahall also be respansible for the payment of any fees imposEd by the Federal Emergezacy Management Agency in connection with the review of any flood zone detez�n�ination resulting from an objection by Borrower. If Borrower fail�; 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 par�icular type or amount of coverage. Therefoxe, such coverage shall cover Lender, but mi�ht or might not protect 13orrower, Borrower' s equity in the Property, or the epntents of the Property, against any risk, hazard or liability and mi�ht provide greater or lesser covera�e than wa5 previously in effect. Borrawer acicnowledges that the cost of the insurance covera�e so obtained znight significantly exceed the cost of insurance that Borrower could have pbtained. Any an�ounts disbursed by Lender under this Section 5 sliall become additional debt o£ Borrower secured by this Security instrument. These axnounts shall bear interest. at the Note rate from the date of disbursexnent and shall be payable, with such interest, upon notice from Lender to Borrnwer r�questing payment. All 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 shall name Lender as mortgagee 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 give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance covera�e, not otherwise required by Lender, for damage to, or destruction of, the Property, such pqlicy sha11 include a standard mort�age clause and shall naxne Lender as mortgagee and/or as an additional loss payee. ln the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender, I,ender may make proof of loss if npt made proznptly by Borrower. Unless Lender and Borrower otherwise a�ree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoratipn or repair of the Property, if the restoration 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 Lender has had an opportunity to inspect such Property to ensure the 231043 N�BRASKA - Single Family - Fannie M ae/Freddie M ac UNIFpRM INSTRUM ENT � (0811) Paga6 of 15 Initials: /y `"�"'� FO�m 3028 1I01 �