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2oioo�4s4 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) a�rees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in gpod faith by, or defends against enfore�ment of the lien in, legal proceedings which in Lender's opinian operate to prevent the enforcenaent of the lien while those proceedings are pending, but only until such praceedings are concluded; or (c) seoures frorn the holder of the lien an agreernent satisfactory to Lender subordinating the lien to this Security Inatxument. If Lender determines that any part of the Property is subject to a lien which can attain priority pver this 5ecurity Instrument, Lender may give Borrower a notice identifyin� the lien. Within 10 days of the date on which that notice is given, Barrower shall satisfy the lien or take ane or more of the actions set forth above in this Section 4. Lender may require Barrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insuranee. 8orrower shall keep the improvements now existing or 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 requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that I.ender requires. What Lender requires pursuant ta the preceding sentences can change during the term of the Laan. The insurance carrier providin� 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 Borrpwar to pay, in connection with this Laan, either: (a) a one-time charge fpr flood zone determination, certi�ication and tracking services; or (b) a one-time charge for flood zone determination and certi�cation services and subsequent charges each tinr�e 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 Management Agency in connection with 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 rnay obtain insurance coverage, at Lender' s option and Borrower' s expense. Lender is under r►o obligatian to purchase any particular type ar amount of coverage. Therefore, such caverage shall cover Lender, but might or rnight not protect Borrower, Borrower' s equity in the Property, or the contents of the Property, against any risk, hazard or liability and mi�ht 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 amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These arnounts shall bear interest at the Note rate fronn the date af 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 to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as martgagee and/or as an additional loss payee. Lender shall have the 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 insuranca coverage, not otherwise required by Lender, for darnage ta, or destruction of, the Property, such policy shall include a standard mort�age clause and shall nazne Lender as mortgagee and/or as an additional loss payee. Tn the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. �.ender may make proof of loss if nat made promptly by Horrower. Unless Lender and Borrower otherwise agree in writing, any insurance praceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration ar repair of the Property, if the restoration or repair is economically feasible and Lender' s secua ity 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 230913 NEBRASKA - Single Family - Fannie M aelFreddie M ac UNIFpRM INSTRUM ENT Y �� -' - �-6�NE�(oe��) Page6of15 in�c�ais: Fprm3028 1/01 � ��