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20�14545� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a) agr�s in writing to the payment of the obligation securefl by the lien in a manner acceptable to Lender, but 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 proccedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proce,edings aze concluded; or (c) s�ures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this S�urity Instrument. If Lender determines that any part of the Properly is subje,ct to a lien which can attain priority over this Security Instrument, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that norice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Se.ction 4. Lender may require Bonower to pay a one-time charge for a real estate tax verification andlor reporting service used by Lender in conn�tion with this Loan. 5. Property Insurance. Bonower shall k�p the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "emended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires +nc��r�ce. This insurance shall be maintained in the amounts (including deductible levels) and for the periads 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 Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in conn�tion with this Loan, either: (a) a one-time charge for flood zone determinarion, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determination or certificarion. Bonower shall also be responsible for the payment of any fe�s imposed by the Federal Emergency Management Agency in conn�tion with the review of any flood zone determination resulting from an objection by Borrower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at I.ender's option and Borrower's e�ense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover L,ender, but might or might not protect Bonower, Borrower's �uity in the Properly, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in eff�t. Bonower 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 b�ome additional debt of Bonower secured by this 5ecurity 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 I.ender to Borrower requesting payment. All insurance policies requirefl by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, sha11 include a standard mortgage clause, and shall name Lender as mortgage,e 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 r�eipts of paid premiums and renewal norices. If Borrower obtains any form of insurance coverage, not otherwise requirefl 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 cazrier and Lender. Lender may ma.ke proof of loss if not made promptly by Borrower. Unless Iznder and Bonower 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 right to hold such insurance proc.eeds until Lender has had an opportunity to insp�t such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) (08t �1 Page 6 of 16 In�t�als: Form 3028 1/07 o � ��