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2oioo��4 Borrower shall promptly dischazge any lien which has prioriry aver this Security Instrurnent unless Borrower: (a) agrees in writing to the payxnent of the obligation secured by the lien in a manner acceptable to I,ender, but only so long as Borirower is perfonning such agreernent; (b) contests the lien in good faith by, or defends against enforcem�nt of the lien in, legal proccedings which in L.ender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings are concluded; or (c) secures frpm the holder of the lien an agreement satisfactory to I.ender subordinating the lien ta this Security Instrurnent. If Lender deternunes that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrawer a notice identifying the lien. Within 10 days of the date on which that notice is given, Boz�c�ower 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/ar reporting service used by Lender in connection wich this I.,oan. 5. Property Insurance. Borrower shall keep the imprvvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazacds including, but not lixnited ta, earthquakes and floods, for which Lender requires insurance. This insurance shall be rnaintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject tv Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasanably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge far fload zone deternunation, certification and tracking services; or (b) a one-time charge for flood wne determination and certi�ication services and subsequent charges each time remapp�ings or similar changes accur which reasonably might affect such deternnination or certifcation. Borrower shall alsq be responsible for the payment of any fees irnposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Barrower 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 I.ender, but might or xnight not prot�t Bo� Borrawer's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insucance coverage so obtained might significantly exceed the cost of insurance chat Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt af Borrower secured by this Security Instrunnent. These arnounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice frorn Lender to Barrawer requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject co Lender's right to disapprove such policies, shall include a standard mortgage clause, and sh.all name Lender as rnortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid preamiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for darnage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as rnortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prornpt notice to the insurance carrier and Lender. Lender may rnake proof of loss if not made prornptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair 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 hald such insurance proceeds until L,ender has had an opportunity to inspect such Property to ensure the N�BRASKA - Single Family - F�nnie M�elFraddie Mqc UNIFQRM INSTRUMENT �-6��11�) (0811) PaOe 8 of 15 Initials: � � BF��w Form 3028 1101 . R +