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2o1ioo4s� Borrower shall promptly discharge any lien which has priarity over this Security Instrument unless Borrower: (a) agrees in writing to the payrnent of the obligation secured by the lien in a manner acceptable to Lender, but only so lnng as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in L,ender'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 from the holder of the lien an agreement satisfactory to I.ender subordinating the lien to this Security Instrument. If Lender determines that any pa�t of the Property is subject to a lien which can attain priority over this Security Instrurnent, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borcower shall satisfy the lien or take one or more of the actians set forth above in this Section 4. Lender rnay require Borrower to pay a one-tinne charge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Prope�ty insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This iz�surazxce shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding senterxces can changa during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrowear's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-tizne charge far flood zone detercninatian, certification and tracking secvices; or (b) a one-time charge for flood zone determinacion and certi.frcation services and subsequent charges each time remappings or similar changes occur which reasanably might affect such detemvnation or certification. Borrower shall also be responsible for the payment af aizy fees nnposed by the Federal Emergency Management Agency in connection with the review of any #load zane deterinination resulting from an objection by �orrower. If Borrower fails to maintain any of the coverages described above, L.ender may obtain insurance coverage, at L.ender's aption and Borrower's expense. Lender is under no obligation ta purchase any particular type or arnaunt of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Horrower, Borrower's equity in the Property, or the contents af 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 khe insurance coverage so obtained nnight signi�cantly exceed the cost of insurance that Borrower coWd have obtained. Any arnounts disbursed by I.,ender under this Section S shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from L.ender to Borrower requesting payment. All insurance poIicies required by Lender and renewals of such policies shall be subject to L.ender's right to disapprove such policies, shalt include a standard mortgage clause, and shall name I,ender as znortgagee 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 proznptly give to Lender all receipts of paid premiums and arenewal notices. If Borrower obtains any focm of insurance coverage, not okherwise required by Lender, for darnage to, or destruction of, the Property, such policy shall include a standa�rd mortgage clause and shall name Lender as martgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless L.ender and $orrower otherwise agree in wriCing, any insurance praceeds, whether or not the underlying insurance was required by I.ender, shall be applied to restoration ar repair of the Property, if the restoration or repair is ecanomically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right ta hold such insurance proceeds until Lender has had an opportunity to inspect such Property ta ensure the � �� NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT F �-6�NE) loa� �1 Page 8 of 15 i��t�ei .l ' Form 3028 1Y01 �