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201003888 Harrower shall promptly clischargc any lien which has priority over this Security Instrument unless Borrower: (a) aF~rccs in writing Iv the payment of the nbligatiun secured by the .lien in a maruter acccptablc to Lender, but only so Lang as 13orrowcr is performing such agreement; (h) contests the lien in good faith by, or defends against cnfurcetxtent of the lien in, legal proceedings which in Lcttdcr's opinion operate tv prevent the rrrrli~rccmcnt of the lien while those proceedings arc pending, but only until such proceedings arc conclttdecl; car (c) sccurc5 Froth the holder of the lien an agreement satisfactory to Under subordinating the lien to this ticcturity lnstntmettt. If Lender detetrnincs that any part of the l'roperiy is subject tv a lien which can attain priority over this Security Instrument, Lender may give .I3orrowcr a rtoticc identifying the lien. Within 1(1 days of the date on which that notice is given, Surruwer shall satisfy the lien or take one or more of the actiurts set Earth above in this Section 4. (.ender may require Borrower to pay a ono-tittie charge for a real estate tax verification and/or reporting service used by Lender in conncetion with this Loan. 5. I'rop~.rtti~ Insurance. Borrower shall kcGp the irnprnvetnents now existing or hereafter erected on the Property itrsctred against loss by tire, hazards included within the term "extended coverage," and any other hazards ir.t.c:lucling, but not limited to, earthquakes and floods, for which Lender requires insurance_ 'Phis insurance shall be maintai,ped in the amounts (inelnding deductible levels) and fox the periods that Lender rcgttires. What. Lender regtti.res pursuant to tltc preceding sentences can change during the term of the Lnan_ '1'hc insurance carrier providi,ttg the insurance shall be chosen by $ortower subject to Lender's right to disappriivc Borrower's choice, which right shall not he exercised unrcasnnably. Lender may require Borruwc.r co Iaay, in connection with this Loan, either: (a) a one-time charge fvt flood zone deterrninatinn, ccrtiiicalion and (tacking services; or (b) a one-tints ch.argc for flood zone determination and ceriification services and subsequent charges each lime remappings or similar changes occur which reasonably might. affect such determination or certification. Burrower shall also be responsible for the payment. of any foes imposed by the federal Emergency Management Agency in connection with the review of any !loud zone detertttinution resulting frorta art objection by Borrow~r- If Borrower fails to maintain any of the coverages described above, Lender ntay obtain insurance coverage, at I.cndcr's option and Borrower's expense. Lender is under no obligation to purchase any particular typo oe° amount of cnvcragc_ Theret'vre, suGli coverage shall cover Lender, but might yr might not protect Lorrower, Borrower's 4quity in the Property, yr the crnttcnts of the Property, against any risk, hazard yr liability Ftnci rt~ight provide greater ar lc:;scr cnvcragc than was prcvinttsly in effect. Borrower acknowledges thu.t liter cost of the insurance cnvcragc sn nhtairtcd might significantly exceed the coat of insurmce that 13e~rrower catrld .h.avu obtained. A.ny attlottnts disbursed by Under under this 8ectian 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest al the Nute rote ('terra the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment.. All insurance policies tequitecl by Lender and renewals of such policies shall be sttl~jcct to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name ,Lander as mortgagee and/ar us an additional lass payee. Lender shall have the right tv (told the policies and renewal certificates. If Lcnclcr requires, 13nrrnwcr shall protxtptly give to Lender all receipts of paid premiums and renewal notices. It' Borrower obtains any form of insurance coverage, not otherwise required by Lendct, for darnagc trt, or dcstntetion nf, the Property, such policy shall include a standard rnortgagc clause and shall name .i,,c:ncier as rrtortgagcc artd/or. as an additional loss payee. In the event ul' loss, Borrower shall give prompt notice to the insttrancc carrier and Lender. Lender may make proof of loss if nut made promptly by Borrower. 1Jnless Lender and Borrower otltcrwisc agree in writing, an.y insurance proceeds, whether or oat the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration yr repair is economically feasible and Lender's security is n.nt lessened. Turing such repair and restoration period, Lender shall have the tight lv hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA- Single Family - FannleMae/Freddie Mac UNIFORM INSTRUMENT ~~8(NE) ton~,t Page E9aT1S iivaais: ~~~ Forrrr 3028 1/01 ..~