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20110263i 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 Bonower is performing such agreement; (b) con#ests the lien in aood faith by, or defends against en#'orcement of the lien in, legal proceedings which in Lender' s opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings aze concluded; or (c) secures from the holder of the lien an agreement satisfadory 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. wthin 10 days of #he date on wiuch thai 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 connecrion with this Loan. 5. Property Insurance. Bortower sha11 keep the improvements now �isting or hereaf�er erected on the Property insured against loss by fire, hazards inciuded within the ierm "extended coverage," and any other hazards including, but not iimited to, eazthquakes and floods, for which Lender requires insurance. This insurance shall be r�intained in the aznounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower 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 ttus Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time semappings or simil� changes occur which reasonably might affect such determinatian or certifiCation. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood wne determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages descnbed abov�, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obl btiation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, 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 coverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Securiry Instrument. These amounts shall beaz interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payment_ All insurance policies required by Lender and renewals of such policies sha11 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 additional loss payee. Lender shail ha�e the right to hold the policies and renewal certificates. If Lender requires, Bonower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otheiwise zequired 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, Bonower 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 writin�, 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. Durina such repair and restoration period, Lender shall have the right to hold such insurance proceeds undl Lender has had an opportunity to inspect such Property to ensure the 2200093927 D V6ANE NEBRASKA - Single Famity - Fannie MaelFreddie Mac CINIFORM 1NSTRUMENT WfTH M �•6A(Nq loelol Page 8 of 15 Initials: � Form 3028 1l01 �