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�oiioo�E� Borrower shall promptly discharge any lien which has priority over this Security Instrurnent unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a rnanner acceptable to Lender, buC only so long 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 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 from the halder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If L.ender determines that any part of the Property is subject to a lien which can attain priority over this 5ecurity Instrument, I.ender may give $orrower a notice identifying the lien. Within lb days of the date an which that notice is given, Barrower shall satisfy the lien or take one or more of the actions set farth above in this Sectian 4. Lend�r may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connectian with this Loan. 5. �'roperty Insurance. Borrower shall keep the improvements now existing or hereafter erecCed on the Praperty insured against loss by fire, hazards included within the term "extended coverage," and any ather hazards including, but nat limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amaunts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the tenn of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to LQnder'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 for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determinatian and certification 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 payrnent of any fees irnposed by the Federal Ernergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Barrower fails to maintain any of the coverages described above, L.ender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount 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, 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 caverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrawer secured by this Security Instrument. 'I'hese arnounts shall beair interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by I.ender and renewals af 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 additianal loss payee. Lender shall have the right to hold the policies and renewal certi�cates. If I,ender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard rnortgage clause and shall name L,ender as mortgagee 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 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 restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the righC to hald such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEN7 �-B�NE► �osii� Page 6 of 15 i��t�ei�� " Form 3028 9/U1