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201005052 Borrower shall promptly discharge any lien which has priority over this Security Instrument utiless Borrower: (a) agrees in writing to the payment of the obligation sacred by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enfonement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enfoxCement of the lien while those proceedings axe pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If bender determines that any part of the Property is subject to a lien which catz attain priority over this Security Instrument, Lender may give Borrowex a notice identifying the lien. Within 10 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 Harrower to pay cone-time charge for a real estate tax vexification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected an the Property insured against loss by fire, hazards it~luded within the term "extended coverage," and any other l~:urds 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 far the periods that Lender requires. What Lender requires pursuant to the pxectxiing sentences can change during the term of the Loau. The insurance carrier providing the insurance shall be chosen by Borrower subject w 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, certification and tracking services; or (b) a one-time charge for flood zone determination and certification 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 Emergcnc:y Management Agency in cannecdon with the review of any flood zone determination resulting from an objection by Borrowex. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular 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 xisk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might sigruficantl.y exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender codex this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursertient and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All inswance policies required by Lander and reniewals of such policties shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to lwld the policies and renewal certificates. If Lender requixes, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance covexge, 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 insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. UNess Lender and Borrower otherwise agrte in wxiting, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to resroration ox xepair 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 insuxan~e proceeds until Lender has had an oppoxtunity to inspect such Property to ensure the N RASKA -Single Family -Fannie Mee!Freddie M~a UNIFORM INSTRUMENT •6(NE) IQet t 1 P+q~ s of t e initialr--~~ Form 302$ 1 /01