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2oiva�43o Borrower shall proznptly discharge any lien which has priority over this Security Instrunnent unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable ta Lender, but only so long as &yrrower is performing such agreement; (b) contests the lien in good faith by, or defez�ds against enfarcement of the lien in, legal praceedings 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 subordinating the lien to this Security Instrurnent. If Lender determines that any part of the Property is subject ta a lien which can attain priority aver this Security Instrum�nt, Lender may give Borrower 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 �. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. _S. Property Insurance. Borrower shall keep the nnprovements now existing pr hereafter erected on 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, for which Lender requiras insurance. This insurance shall be maintained in the amounts (including deductible levels) axtd for the periods tl�at Lender requires. What Lender requires pursuant to the preceding sentences can change during the term af the Lqan. 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 rnay require Sorrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certi�cation and tracking services; or (b) a one-time charge for flood zone determination and certi�cation services and subsequent chargea 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 Managernent Agency in connection r�vith the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender' s pption 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 Barrpwer, Borrowar's equity in the Property, or the contents of the Property, against any risk, hazard or liability and rrxight provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any azz�ounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrurnent. 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 Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject ta Lender's right to disapprave 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 hold the palicies and renewal certi�cates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid prexniuxns and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Leander, 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 lpss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may rnake proof of loss if not rnade promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or nat the underlying insurance was required by Lender, shall be applied to restoratian or repair of the Property, if the restaration ar repair is economically feasible and Lender' s security is not lessened. During snch repair and restoration period, Lender shall have the right to hold such insurance proceads until Lender has had an oppartunity to inspect such Property to ensure the 230911 NEBRASKA - Single Family - Fannie M ael�reddie M ac UNIFORM IN57RUM ENT �-6(NE) �os�� Page6 oF 15 Initials: �� Form 3028 1/01 �