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zoioo�sc� Borrower shall promptly dischazge any lien which has priority over this Security Instnunent unless Borrower: (a) agrees in writi.ng to the payment af the obligation secured by che lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in goaci faith by, or defends against enfarcement of the lien in, legat proceedings which in Lender's opinion operate to prevent tl�.e enforcen�ent af the lien while those proceedings aze pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating che lien to this Security Instrument. If Lender determines that any part af the Property is subject to a lien which can attain p�iority over this Security Instrurnent, Lender may give Borrawer 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 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 L.�nder in connection with this Loan. S. Property Insurance. Borrower shall kaep the improvements novr+ existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended caverage," and any other hazards including, but not limited to, earthquakes and floods, for which L.ender requires insurance. This insurance shall be m�aintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentexa�ces can change during the term of the Loan. The insurance carrier praviding the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, wYuch right shall not be exercised unreasanably. Lender rnay require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or @) a one-time charge for flood wne determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such deternunation or certi�cation. Borrower shall also be responsible for the payment of any fees impased by the Federal Emergency Management Agency in connection with the review of any flood zone dstermination resulting from an objection by Borrawer. If Borrower fails to maintain any of the caverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no abligation to purchase any particulaz type or amount of coverage. Therefore, such coverage shall cover I.ender, but might or might nat protect Borrower, Borrower's equity in the Property, ar the cantents 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 signi�cantly exceed the cost of insurance that Barrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall beaz interest at the Nate rate from the date of disbursement and shail 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 ta Lender's right to disapprove such policies, shall include a standazd rnortgage clause, and shall narne Lender as rnortgagee and/or as an additianal lass payee. Lender shall have the right to hold the palicies and renewal certificates. If Lender requires, Borrpwer shall prornptly give to Lender all receipts of paid premiurns and renewal notices. If Borrower obtains any form of insurance coverage, not oth�erwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard martgage clause and shall narne Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice tA the insurance carrier and Lender. Lender may rnake proof of loss if not made promptly 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 Froperty, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoratian 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 MaelFreddie Mac UNIFORM INSTRUMENT �-BIN�) los i i 1 ra9e � or i s misiais: Form 3028 1/07 / �' � , t j� � �' �