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200904079 Borrower shall promptly discharge any lien which has priority over this Security instrwrtcnt unless Harrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to l,,ender, but only so Lang as Borrower is performing such agreement.; (b) contests the. lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings arc pending, but only until such proceedings are concluded; or (c) secures froth the holder afthe lien an agreement satisfactory to Lender subordinating the lien to this Security ]nstrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security lnstrut~~ent, Lender may give Harrower a notice identifying the lien. Within 10 days of the date on which that noticC is given. Borrower shall satisfy the. lien or lake one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge ibr a real estate tax verification and%or reporting, service used by Lender in connection with this Loan. 5. Property LnsUrancc. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss lry lire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods. for which Lender requires insurance. This insurance shall be maintained in the amounts (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 instn-ance carrier providing the insurance shall be chosen by Harrower 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 this Loan, either: (a) a one-time charge far tood zone determination, certifcation and tracking services; ar (b) a one-time charge for flood zone determination and certitcatian services and subsequent charges 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 flood zone determination resulting Pram an abjection by Borrower. If Borrower fails to maintain any of the coverages described above. .L,ender tray obtain insurance coverage, at Lender's option a.t~d Rorrawer's expense. Lender is under na obligation to purchase any particular type or amount of coverage. TheretC>re, such coverage shall cover Lender, but might or mi~~ht not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and m}gl7t provide greater ar lesser coverage than was previous}y in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Narrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt ol` Borrower secured by this Security l.nstrument. '['hese amounts shall bear irate-rest at the Note rate froth the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's ri;;ht to disapprove such policies, shall include a standard mortgage clause, and shall taame I,cnder as mortgagee and/ar as an additional loss payee. Lender shall have the riglrt to hold the policies and renewal certiticatcs. If' l..,ender requires, Borrower shall promptly give to Lender all receipts of paid premiwns and renewal notices. If Borrower obtains any farm of insurance coverage, not otherwise required by bender, f[)r dama4~c to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee andior as an additional loss payee. In the event of loss, Borrower shall give prornpi notice to the insurance carrier and i,ender. Lender may make proof of loss if not made promptly by Borrower. IJnless Lender and Borrower otherwise agree in writing, any insurance proceeds, w}tether or not the underlying insurance was required by Lender, shall be applied to restoration or repaia- of the Property, if the restoration or repair is ecanotnically feasible. and Lender's security is hat lessened. llurittg such repair and restoration period, Lender shall have the right to bald such insurance proceeds until Lender has ha.d an opportunity to inspect such Property to ensure the 23053?_ NEBRASKA -Single Family -Fannie MaelFreddie Mac UNIFpRM INSTRUMENT -6(NE) ioe~i; Pages of 15 in~uais. R ~ Fonn 3028 1101 C~