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20100�796 Borrower shall promptly discharge any lien which has prioriCy over this Security Instrument unless Borrower: (a) agrees 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 pexforming such agreement; (b) contests the lien in good faith by, or defends against enforcernent of the lien in, legal proceedings which in Lender's apinion 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 I.,ender subordinating the lien to this Security Instrument. If I,ender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, I.ender may give Borrower a notice identifying the lien. Witt�.in 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 farth above in this Section 4. Lender rnay require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Leuder in connection with this Loan. 5. Property Insarance. Bor,rower shall keep the improvements naw existing or hereafter erected on the Property insured against lass by fire, hazazds 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 maintadned 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 l.oan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprovs Borrower's ChO1CB which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connecCion wiCh this I.aan, eiCher: (a) a one-time charge for flood zone detez�zx►ination, certifcation and tracking services; or (b) a one-time charge for flaad zone determination and certi�cation services and subsequent chazges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for tl�e payment of any fees imposed by the Federal Ernergency Management Agency in connectian with the review of any flood zone determination resulting frorn an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's aptian and Borrower's expense. Lender is under no obligation to puxchase any particular type or amount of coverage. Therefore, such coverage shall cover L,endex, but might or might not protect Borrower, Borrower's equity in the Praperty, 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 aclaiowledges that the cast of the insurance coverage so obtained rnight significantly exceed the cost of insurance that Borrawer could have obtained. Any amaunts disbursed by Lender under this Section 5 shall become additional debt of Bonower secured by this Security Instrurnent. These arnounts shall bear interest at the Noce rate from tl�.e date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Bonrower requesting payment. All insurance policies requixed by I..ender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and sha11 name L.ender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the polici�s and renewal certificates. If Lender requires, Barrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Barrower obtains any form of insurance coverage, not otherwise required by Lender, for daznage to, or destruction of, the Property, such policy shall include a standard mortgage clause and sha11 name I_.ender 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. Unless I.endcr and �orrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to rescoration or repair of the Property, if the restoraCion or repair is econamically feasible and Lender's security 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 � NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT � �-6(NE) 108111 Page 6 of 15 inicisis: f� Farm 3028 1/01 4 � , . t