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�Q��Q��a Borrower shall promptly discharge any lien which has priority over this Security Instruunent unless Borrower: (a) agrees in writing to the payment of the obligation s�ure� by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in g� faith by, or defends against enforcement of the lien in, legal proceedings wluch in Lender' s opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only w�►til such proceadings 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 determines that any pazt of the Progerty is subject to a liea which c�n attai�n priority over this Security Inshvment, Lender may give Borrower a notice identifying the lien Within 10 days of the date on wluch 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 chazge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property �nsarance. Borrower shall keep the improvements now existing or hereafter ere�ted on the Property insured against loss by fire, hazards included within the term "extende� coverage," and any other hazazds including, but not limited to, earthquakes and flaods, for which Lender re�uires insurance. Tlus insurance shall be maintained in the amounts (including deduch'ble levels) and for tha periods that I.ender requires. What Lender requires pursuant to the preceding sentences can cbange during the t�m of the Loan. The insurance carrier providing the insurance ahall be chosen by Borrower subje,ct to Lender's right to disa.pprove Borrower' s choice, wluch right shall not be exercised unreasonably. Lender ma.y r�uire Borrower to pay, in coimection with this Loan, either: (a) a one-tima charge for flood zone detecmination, certific�tion and tracking services; or (b) a one-time charge for flood zone determination and certification services and subs�uent charg� each time remappings or similar changes occur which reasonably might affect such determination 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 fload zone determination resulting from an obje�tion by Borrower. If Bonower fails to ma;n A;n any of tha coverages described above, I.ender may obtain insurance coverage, at Lender' s option and Boirower' s expense. Lender is under no obligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not prot�t Borrower, Boaower' s equity in tha Property, or the contents of the Properly, against any risk, hazard or liability and might provide greater ar lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exc� the cost of insurance that Bonower could have obtained Any amounts disbursed by Lender under ttus Se�lion 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 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 paymen� All insurance policies required by Lender and renewals of such policies shall be subje�t to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall neme Lender 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 prompfly give to Lender all r�eipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise r�uired by I,ender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgag� and/or as an additional loss payce. In the event of loss, Bonower shall give prompt notice to the insurance carrier and Lender. I,ender may make proof of loss if not made promptly by Bonower. Unless Lender and Borrower otherwise agre,e in writing, any insiu�ance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restora.tion or repair of the Property, if the restoration ar repair is economically feaslble and Lender' s security is not lessened During such repair and restoration period, Lender shall have the right to hold such insiu�ance proceeds until Lender has had an opporhmity to inspe�t such Property to ensure the 2200195142 D V6ANE NEBRASKA - Single Family - Fannle Mae/Fr�dle Mac UNIFORM INSTRUMENT WIT�i ly�� — �-6A(Nq waio� PaOe 8 of 15 IniUels: V� Form 3028 1/07 0 �v�