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2010U7879 Borrower shall prornptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the paynnent of the obligation secured by the lien in a rnanner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) cantests the lien in good faith by, or defends against enforcement of the lien in, legal praceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proccedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to L,�nder subordinating the lien to this Security Instrument. If Lender detemunes that any part of the Property is subject to a lien which can attain priprity over this Security Instrument, Lender may 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 Sectinn 4. Lender may require Borrower to pay a one-time chazge for a real estate tax veri�cation and/or repprting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the irnprovernents now existing or hereafter er�te� on the Property insured against loss by �re, hazards 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 maintainai in the amounts (including deductible levels) and for the periods that I.ender requires. What Lender requires pursuant to the prer�ding sentences can change during the term of tt�e I.»oar�. The insurance carri�r praviding the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's chaice, which right shall not be exercised unreasonably. Lender may require Barrawer to pay, in connection with this Loan, either: (a) a one-time charge for flood zone detemlination, certi�cation and tracking services; or (b) a one-tirne charge for flood zone deternunation and certification services and subsequent charges each time rernappings or similar changes occur which reasonabty might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone deteriniu�ation resulting from an objection by Barrower. If Borrower 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 Lender, but rnight or might not protect Borrower, 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. $orrower aclrnowledges that the cost of the insurance coverage so obtained might significantly exce�d the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall becorne additional debt of Borrower secured by this Security Instrument. These announts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from L.ender to Bonower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall narne Lender as nnortgagee and/or as an additianal loss payee. I.ender shall have the right ta hold the policies and renewal certificates. If Lender requires, Borrower shall proxnptly give to Lender all rec�ipts af paid premiums azid renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prornpt notice to the insurance carrier and Lender. Lender may make proof of loss if not made prornptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied ta restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance prar,e�cls until Lender has had an oppartunity ta inspect such Froperty to ensure the NEBRASKA - Single Family - Fannie Mse/Freddie Mec UNIFQRM INS7RUMEN7 �-61NE1 �oet�l PageBof 15 inieiais: Form 302$ 1/01 ,.t� � S' �r . � �S ;