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2oiooo7sl Banrower shall promptly discharge any lien which has priority over this Security Instrument unless Burrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only sa long as Borrower is performing such agreement; (b) contests the lien in good faith by, ar 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 such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subaxdinating the lien to this Security Irstrument. if Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Harrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Bonrawer shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Burrower to pay a one-time charge fax a zeal estate tax verification and/ar reporting service used by Lender in connection with this Laan. 5. Property Insurance. Burrower shall keep the improvements now existing or hereafter erected nn the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, tsar which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and fur the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower 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 for flood zone determination, certiftcati.on and tracking services; or {b) a one-time charge for flood zone determination and certification sexvices and subsequent charges each time remappings or similar changes actor which reasonably might affect such determination or cert~cation,. 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 detetTtunatian resulting from an abjection by Borrower, If Harrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Horrower's expense. Lender is under na obligation to purchase arty patxicular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard ax liability and might provide greater ar lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so attained might significantly exceed the cast of insurance that Batxawer could have obtained. Any amounts disbursed by Lender under this Section 5 shall became additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Harrower requesting payment. All insurance policies required by Lender and renewals. of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mnrtgage clause, and shall name Lender as mortgagee and; or as an additional loss payee. Lender shall have the right to hold the policies and renewal certiftcates. if Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. if Borrower obtains any farm of insurance coverage, not otherwise required by Lender, for damage ta, 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 insurance carrier and lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically 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 inspect such Property to ensure the NEBRASKA -Single Family -Fannie MaelFreddie Mac UNIFORM INSTRUMENT -61NE) foal t 1 Pape 8 of 16 irncials: Form 3p28 1101