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200909601 Borrower shall promptly discharge any lien which has priority over this Secttity Instrument tmless Borrower: (a) agrees in waiting to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so tang as Harrower is performing such agreement; (b) contests the lien in good faith hy, 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 are pending, but only until suclt proceedings are concluded; or (c) secures from the holder of the lien an agteezaaent satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Insttum.ont, Lender may give Borrower a notice identifying the lien. Within 1d days of the date on which 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 cone-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loart. 5. Property Insurance. Borrower shall keep the improvements now existing or herealier erected on the Property insured against loss by fire, hazards included within the reran "exten.dcd coverage," and any other hazards including, but not limited to, earthquakes and hoods, for which Lcncler requires insurance. This insurance shall be maintained in the amotutts (including deductible levels) and fist the periods that Lender requires. What Lender regttixes pursuant to the p.reccciing sentences cart change dttring the term of the Loan. The insurance carrier providing the instrance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right slxall not be exercised un.reasnnably. Lender rx~ay require Borrower to pay, in connection with this Loan, either: (a) a one-tune claatge fox flood zone determination, certification and tracking services; or (b) zr one-time charge for Iloocl rune determination and certification services and subsequent charges each time reznappings or similar changes occur which reasonably might affect such determination ar certification. Borrower shall also he 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 from an pbjcction by Borrower. If Borrower fails to maintain any of the coverages described above, Lender play obtain insurance coverage, at Lender's option and Borrower's expense. Lender is trader no obligation to pu.rcltase any particular type or amo>.mt of coverage- Therefore, such coverage shall cover Lcrtder, but might nr might not protect Borrower, Borrower's equity in the Property, or the contents of the P.rnperly, against any risk, hazard or liability and might provide greater ox lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cast of insurance that Borrower could have obtained. Any amounts clishtused by Lender under this Section S shall become additional debt o£ Borrower secured by this Security Instrument. These arnotrnts shall bear interest at the Note rate from the date of disbursement and shall be l~ayahle, with Stich interest, upon notice from Lender to Borrower requesting payment. A11 insurance policies required by Lender and renewals of such policies shall he subject to Lender's right to disapprove such policies, shall include a stara.darcl u7.ortgage clause, and Shall Warne Lender as mortgagee and/nr as an additional loss payee. Lender shall have th.e 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 insurartcc coverage, not otherwise required 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, Borrower shall give prompt notice to the instrance carrier anal Lender. .Lender may make proof of loss if not made prnrnptly by Borrower. C.Jnless Lender and I3nrrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insttxance was required by Lendea•, shall be applied to restoration or repair of the Property, if the restaral'ian or repair is cconn.mically feasible and Lender's security is not lessened. Ihtring such, repair and restoration period, Lcndcr shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such. Property to ensure the NEBRASKA- Single Family -Fannie Mae/Freddte Mac UNIFORM INS7RUMEN7 -6(NE) to811) Page6or15 initials: ~~ Form 3028 1/01