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20110092� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (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 perfornung 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 proccedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to L,ender 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, Bonower 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 for a real estate tax verification 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 Property 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 insurance shall be maintained in the amounts (including deductible Yevels} and for the periods that Lender requires. What Lender requires pursuant to the preceding serneaees cau change during the term of the Loan. The insurance carrier providing the insurance shall be chosen hy Borrower subject to Lender's right to disapprove Borrower's choice, which right sha11 not be exercised unreasonably. Lender may require Bonawer to pay, in connection with this Loan, either: (a} a o�e-ti.me charge for flood zone determination, cerrification and tracking services; or (b) a one-tix� c�arge for flood zone determination and certi�ication serviees and snbsequent charges each time remappi�g� c>r si�Iar ehanges occur whieh reasonably might a€fect sueh determination or certification. Borrowez shat� aiso be responsible for the payment of any fees imposed by the Federal Emergency Managerr�nt Agency in connection with the review of any ffocx� zorie determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lercder's option axut Borrower's expense. Lender is under no obligation to purchase any particular type o� amcru�t of eoverage. Therefore, such coverage shall cover L,ender, but might or might not prot�t Borrowe�, Barrow�'s ec}uiry in the Property, or the contents of the Property, against any risk, hazard or liability a� migicct grervide greater or lesser coverage than was previously in effect. Barrower acknowledges tha� the c�ast of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower cauld have abtained. Any amounts disbursed by Lender under this Section 5 shall become addirional debt of Borrower secured by this Security Instnunent. These amounts shaIl bear interest at the Note rate from the date of disbursement and shall be payable, witl� st�h interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such poiieies s�all be subject to Lender's right to disapprove such policies, shall include a standard mortgage r�a�se, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the rig3� ta hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender atl 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 mortgage clause and shall name Lender 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 �,ender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's securiry is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance procceds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) 108>>1 Page 6 of 15 �nitiais: Form 3028 1l01 �