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20114�4�U Borrower shall promptly discharge any lien which has priority over this 5ecurity Instrument unless Barrower: (a) agrees in writing ta th� payment of the obligation secured by the lien in a manner acceptable ta L.ender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement af the lien in, legal proceedings which in Lender's opinion operate ta prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; ar (c) secures from the holder of the lien an agreement 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 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 one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge far a real estate tax verification and/or reporting service used by I.ender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazazds including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to th� preceding ssntences can change during the term af the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Barrawer's choice, which right sha11 not be exercised unreasonably. I.ender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for fload zone determination, certification and tracking services; or (b) a one-Cime charge for flood zane determination and certification services and subsequent charges each tirne remappings or similar changes occur which reasonably rnight affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the �'ederal Emergency Management 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 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 rnight or rnight not protect Borrower, Borrower's equity in the Property, or th� contents of the Property, against any risk, hazard or liability and rnight provide greater or lesser coverage than was previausly 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 become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rat� from the date of disbursement and shall be payable, with such interest, upon notice from L.ender to Borrower requesting payment. All insurance policies required by L.ender and renewals of such policies shall be subject to Lender's right to disapprove such palicies, shall include a standard mortgage clause, and shall narne L,ender 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 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.endear 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 rnake proof of loss if not rnade prornptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by L.ender, shall be applied to restoration or repair of the Property, if the restoration ox repair is econamically feasible and Lender's security is not lessened. During such repair and restoration period, I,ender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-81NE) ioaiii Page6of 15 Initials: iJ.� Form 3Q2$ 1l01 � �D