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201102022 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 proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender deternunes 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 for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower sha11 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 whictz L.ender requires insurance. This insurance shall be maintained in the amounts (including deductibie Ievels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sente�es c�c change during the term of the Loan. The insurance carrier providing the insurance shall be chasea hy Harrower subject to Lender'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 cme-t%� eharge for flood zone deternunation, certiftcation and tracking services; or (b) a one-time cftarge far fiood zone determination and certif�cation services and subsequent chazges each time remappings or simitar changes occur which reasonably might affect such determination or certification. Borrower sha�F: aiso be responsible for the payment af any fees imgosed by the Federal Emergency Management t�gency 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 an�y particular type or a�unt o€ coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bvnower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazazd or liabitity artcfi rnight provide greater or lesser coverage than was previously in effect. Borrower aclrnowledges that ttse cost of the insurance coverage so obtained might significantly exceed the eost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additionai debt of Bonower secured by this Security Instrument. These amounts shall bear 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 Lender and renewals of such palicies shail be subject to Lender's right to disapprove such policies, shall include a standard mortgage cia�se, aud shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the righE to haid the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender aTI receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, nat otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall inciude a standard mortgage clause and shall name I,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, I..ender shall have the right to hold such insurance proceeds until L.ender has had an oppornuiity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) (0811) Page 6 of 15 Initials: m � Form 3028 1 /0 7 ` �.