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2 oioo�s�� Sorrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to che payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is perfornaing such agreement; (b) contests the lien in gpod faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion aperate to prevent the enforcernent of the lien while those proceedin�s are pendin�, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreernent satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a liexi which can attain priority over this Security Instrument, Lender znay 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 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification andJor reporting service used by Lender in connectian with this Loan. 5. Property Insurance. Borrower 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 ather 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 l�ender requires. What Lender requires pursuant to the preceding sentences can change durin� the term of the Loan. The insurance carrier providing the insurance shall be chosen by Sorrower subject to Lender's right to disapprove Borrower' s choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determinatian, certification and tracking services; or (b) a one-time charge for f7aod zone determination and certification services and suhsequent charges each time reix�appings or similar changes occur which r�asonably might affect such determination or certi�cation. Borrower shall also be responsible for the payment of any fees imppsed by the Federal Emer�ency Managennent Agency in connectian 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 obli�;ation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or xnight not protect Sorrower, Borrower'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 insurance coverage so obtained might significantly exceed the cost of insurance that Borrower cauld have obtained. Any amounts disbursed by Lender under this SecCion 5 shall become additional debt of Borrower secured by this Security lnstrurnent. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon nptice from Lender to Borrower requesting payment. A11 insurance policies re9uired by Lender and renewals of such policies sha11 be subject to L�nder's right tn disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mort�agee and/or as an additional loss payee. I.ender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give tp Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not ntherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/ar as an additional loss payee. In the event of loss, Bo� sha11 give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unlass 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 sha11 have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the ��cI1�:LL1 N�BRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMEN7 �-B(NE) (oett) Pages of 15 iniiiais �� Form 3028 7/01 �