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201007491 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonrower: (a) agrees in writing to the paymcut af the obligation securcd by the lien in a manner acceptable to Lender, hut only so long as Borrower ia perforrning such agreernent; (b) conteats the lien in good faith by, or defends againsk enforcement of the lien in, legal proceedings which in Lendcr's opinion operate to prevent the cnforcement of the licn while thosc praceeding� are pending, but only until such proc��dings are concludod; or (c) secures from the holder of the lien an agreement satisfactory to Lender.subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which cau attain priority over this Security Instrument, Lender may givc Borrower a notice identifying the lien. Within 10 days of the date. on which that notice ia given, Barrawer shall satisfy the lien or take one or more of the actions set forth above in this Section 4_ Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in cannection with thie Loan. 5. Property Insurance. Bortawer shail keep t}xa 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 �loads, far which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levcls) and for the periods that Lender requires. What Lender requires pursuant to thc preceding sentences can change during thc ter�u of the Loan. 'I'he insurance carri�r providing the insurance shall be chosen by Borrower subject ta Lender's right to disapprove Borrower's choice, which right shall not be� exercised unreasonably. Lcndcr may require Borrowcr to pay, in connection with this Lnan, either_ (a) a one-time charge for flood zone detennination, certification and tracking services; or (b) a one-time charge for flood zone determination and cettification services and subsequent charges each time remappings or sirnilar chang�s occur which reasonably might affect such determination or certr�ication. Borrower shall also be responsible for the payment of any fees imposcd by the Federal Emergency Management Agency in connection with the review of any flnnd zone determination resulting from an objection by Bnrrower. If Sotrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's optian and Borrower's cxpcnse. Lender is undcr no obligatian to purchase any particular type or auiouut af coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrawer, Borrower's equity in the Property, or thc contcnts af tbe Property, against any risk, haz.�rd ar liability and might provide greater or lesser covcrage than wa� previnnsly in effect. Barrawer acl�owledges that the cost of the insuiance coverage so obtained might significantly exceed the cost of inaurance that Sorrower cauld have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Sorrower secured by this Security Inshwnent. These amaunts shall bear intcrest at the Note rate Gnm the date of disburseinent and shall be payable, with such interest, upnn natice fram Lender to Sorrower requesting payment. All insurance policies required by L,ender a�ad renewals af such palicies shall bc subj�ct to Lender's rig�t to disappravc �uch policies, shall include a standard raortgage clausc, and shall narne Lender as mortgagee and/ar as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Sorrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Boxrower obtains any fortn of insuxanca coverage, not otherwise reyuired by Lender, for damage ta, or destruction of, thc Property, such policy shall include a standard mnrtgage clausc and shall name Lcndcr as mortgagec and/or as an additional loss payee. In the event of loss, Borrower s�hall give pmmpt natice ta tho insurance carrier and Lcndcr. Lcnder may make proof of loss if nat made prornptly by Borrowcr. Unlcss Lender and Borrower otherwisc agree in writing, any insurance proceeds, whether or not the underlying insurancc was required by Lender, shall be applied tn restoration or repair af the Property, if the restoration or repair is economically feasiblo and Lender's security is not lessened. During such repair and r�storation period, Lender shall have the right to hold such insuranco procceds until Lender has had an apportunity to inspect such Property to ensure thc NEBRASKA- Single Family - Fannia MaelFr�ddl� Mac UNIFORM iNSTRUMENT ��i(NE) �as�� pafl.eor�s m�tm�r Form 3028 1/01