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2010U�872 Barrower shall promptly discharge any lien which ha� pniority 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 performing such agreement; (b) contests the lien in good faith by, or def�nds against enforcement of the lien in, legal proceedin�s which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concludad; 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 can attain priority over thi5 Security Instrument, Lender may give Sorrower 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 verificatipn and/or reporting service used by Lender in connection with this Loan. 5. Prnperty Insurance. Borrower shall keep the improvements now existing or hereafter erected an the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not lunited 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 Lender requires. What Lender requires pursuant to tl�e preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower 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 detexmination, certification and trackin�; services; or (b) a onewtime charge for flood zane determination and certification services and subsequent charges each time rexnappings or similar claang�s occur which reasonably might affect such determination or certification. Borrower shall also be responsible fpr the payment of any feea imposed by the Federal Ernergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the covera�es described above, Lend�r may obtain insurance coverage, at Lender' s aption and Borrower' s expense. Lender is under no obligation to purchase any particular type or azxiount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Eorrower, Borrower' s equity in the Properiy, ar 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 obtz�ined might significantly exceed the cost of insurance that Bprrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additianal debt of Borrower secured by this Securiry Instrumeant. These amounts shall bear interest at the Note rate from the date of disburseraaent and shall be payable, with such interest, upon notice froxz� Lender to Borrower requesting payment. All insurance palicies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. �,ender sha11 have the right to hold the policies and renewal certificates. If Lender requares, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Bo�xower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy sha11 include a standard rnortgage clause and shall name Lender as mortga�ee and/or as an additional loss payee. In the event of loss, Borrower sha11 give prompt notice to the insurance carrier and Lender. Lender may make proaf 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 T�ender, shall be applied to restoration or repair of the Prpperty, 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 hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 230933 NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM IN5TRUMENT �-B(NE)�oeii� Paqesor�s initiais: �b� Form3D28 7/01 � ��