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200903171 Borrower shall promptly disc:harge IIIlY lic:n wbich has priority oYW this Security ImInIIllellt uWe&lI Borrower: (a) agrees in writing to tho payment of tho obligation secured by tho lien in a IDIIIIllet acceptable to Lender, but ODly so long as Borrowllt is perfunning such agreement; (b) coDtests tho lien in good faith by, or defm1ds agaiDst enforcement of tho lien in, legal pmceedlDp which in Lemler's opinion operate to prevent tho enforctllllllllt of tho lieu while those pmc:eedings IIl1: pending, but only UIltll IIUCh proceedings BIll concluded; or (c) secures from tho bolder of the lien an agreement sBllsfactory to l.c::Dder subordinating the lien to thb S!lCUrity Imtrumeur. If Lemler detemllneS that lll1Y part of the Property Is subject to a lien whlch can sttain priority over this Security Imtrument, Lemler may give Borrower a IIOtice ideurlfying tho lien. Within 10 days of tho date 011 which that notice is given, Borrower sballllltisfy the lien or take one or IllOre of the actiOllll set forth above in this Secti0Jl4. I.enQer may require Borrower to pay a one-time charge for a real estate tax verification lIIIdIor rqlOltlng Servicll UJed by Lunder in C01WlCdoo with this Loan. 5. Property JnmraDce. Borrower shall kcap the improvemenlll now wdsting or hereafter erected on the Property inwrcd lI/lainst loss by fire, hazards lnclu4ed within the tl.'ml "ex.tended coverage,' and any other hamnIs including, but IlOt Ibnited to, earthquakes and floods. for which Lender requires insurance. This !n$urancc shall be IIIIlhIlaincd. in tho l\IlIOUIlts (including deductible levels) and for the periods that Lender n:quires. What Lender requires pumIlIlll to tho preceding sentcD:e8 can change during tho tcnn of the Loan. The !n$ur1lllCe carrier providing the insurance shall be chosen by Borrowlll subject to Lender's right to disapproVe Borrower's choice, whlch right shall not be ex.ercised unreasonably. Lender may require Borrower to pay, in COlIIICctlon with thi8 Loan, either: (a) a one-time charge for flood zone determination. oertifil.:lltion and tracking SClVices; III (b) a one-time charge for flood zone determination and certification services and subsequent charges each tlmc remappings or similar changes occur which reasonably might affect such determinatiOJl Dr certification. Borrower shall also be respllllSible for the payment of any fees imposed by the FcdIllal Emergency MlIIlAgellICDl: Agc:ncy in connection with the review of any fiood zone determination reillllllng from an objection by Borrower. If BorrOWer falls to maintain any of the coverages dcscnDcd above, Lender may obtain Insurance coverage, at Lemler's optiOJl and Borrower's expcwIe. Lender Is under no obligatiOJl to purcha81l any particular type or amount of coverage. Therefore, such coverage shall COVlll' Lender, but might or might not protect Borrower, Borrowlll"s equity In the Property. or the content. of tho Property, against any risk, bamrd or liabUity and might provide grealCr or ICBSer coverage than was previously in effllct. Borrower acknowledge. that the cost of the ins1mmce coverage 50 obtained might sigDificantly exceed the cost of insurance that Borrower co1lld. haVIl obtained. A>>:t lUOOUDts disbursed by Lender under this Section S shall become additional debt of B=wer secured by this Security Instrume!lt. These amounts shall bear interest at the Note rate from the date of disbursement and shall b~ payable, with such interest, upon notice from Lemler to Borrower requellting payment. All insurance policies required by Lender and nmewals of such policies shall be subject to Lemler's ript to disapprove such policies, shall include a standard mortgage clause, and shall IlllDlC Lender as mortgagee and/or lIS an additiulllllloss payee. Leuder shall have the right to hold the policies and renewal certificatell. If Lemler requires, BorrDWlll shall promptly give to Lender all receipts of paid premiums and renewal notice.. If Borrower obtains any form of ins1mmce coverag!l, not otherwise required by Leuder, for damage to, or destruction of, the Property, wch policy shalllnclude a standard mortgage Iililuse and shalllll\lIlll Lender as mortgagee lIIIdIor a. an additional loss payee. In the event of ioss, Borrower shall give prompt notice to the insuraw:e cwier and Lendec. Lender may make proof of loss If not made promptly by Borrower. Unless Lcnl1er and Borrower othlllwise Ilgree in writing, any illsw'ance proceeds, whether or IIOt the underlying UlsuraDCll was required by Lender. shall be applied to restoration or repair of the Property, if the restoration or repair is economically fIlaaible and Lender's lICCurity is IIOt lessened. During such repair and restoration period, Lender shall have tho right to hold wch insurance proceeds until Lemler has bad an opportunity to Inspect such Property to ensure the 8016730387 8016730387 NEBRASKA - Single family - Fennle Mee/Freddle Mec UNIFORM INSTRUMENT "" ,,. MO -'-IlINEllC.11I ,......". _~. Form3028 1/01