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2Q�� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) a�rce.s in writing to the payment of the obligation s�ure� by the lien in a manner acceptable to Lender, but only so long as �rrower is performing such agreement; (b) contests the lien in good 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 proce�ings are pending, but only until such proceedings are concluded� or (c) secures from the holder of the lien an agreement satisfactory to L�der subordinating the lien to this Security Instcvment If Lender determines that �y part of the Property is subje�t to a lien which c�.n attain priority over this Security Instrument, Lender may give Bonower � notice identifying the lien. Within 10 days of the date on which that not►ce 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 ona-time chazge for a re,al estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insnrance. Horrower shall k�p the improvements now existing or hereafter ere�t� on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, �rthquakes and floods, for which Lender requires insurancx. This insurance shall be maintained in the amounts (including de�uctible levels) and for the periods that Lender requires. What Lender requires pursuant to the pre�eding sentences can change during the term of the Loan. The insurance cazrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower' s choice, wluch right shall not be exercise� unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a on�time charge for flood zane determination, certific�tion and tracking services; or (b) a on�time chazge for flaod zone determination and certific�tion services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certific�tion. Borrower shall also be responsi`ble for the payment of any fees imposed by the Federal Emergency Management Agency in conne�kion with the review of any flood zone determination resulting from an objaction by Bonower. If Boaower fails to maintain any of the coverages describe� above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lend�r, but might or migt►t not protect Borrower, Borrower' s equity in the Property, or the contents of tha Property, against any risk, h�rd or liability and might provide gr�ter or lesser coverage thaa was previously in effe�t. Borrower ackaowledges that the cost of the insurance coverage so obtained might significantly exc� the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Boaower s�ured by this Security Instrument. These amounts shall b� interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notic� from Lender to Borrower requesting payment. All insurance policies required by Lender and rmewals of such policies shall be subje�t to Lender's right to disapprove such policies, shall include a standazd mortgage clause, and shall name Lender as mortgagee and/or as an additional loss pay�. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise renuired by Lender, for dainage to, or destruction of, the Progerty, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additionalloss payee. In the event of loss, Boaower shall give prompt notice to the insurance carrier and Lender. I.ender may make pr�f of loss if not made promptly by Borrower. Unless Lender and Borrower othervvise agr� in writing, any insurance proceeds, whether ar not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is ec;onomirdlly feasible and Lender' s security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspe�t such Property to ensure the 2200209563 D V6ANE NFBRASKA - Single Family - Fannle Mae/Freddie Mac UNIFORM INSTRUMFNT WIT MERS �-6A�Nq loa�o) Page 8 of 76 i�ei�: � Form 3028 1/01 0