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�oioo7szi Borrower shall prornptly discharge any lien which has priority over this Security Instrurnent unless Borrower: (a) agrees in writing to the payment af th� obligation secur� by che lien in a maiu�er acceptable to Lender, but only sa long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proccerlings which in Lender's opinion operate to prevent the enforcernent of the lien while those proccedings are pending, but only until such proceedings are concluderl; or (c) se.curea from the holder of the lien an agreernent satisfactory to Lender subardinating the lien to this Security Instrument. If L,ender deternunes that any part of the Property is subject to a lien which can attain priority aver this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days af 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 rec�uire Borrower to pay a one-time charge for a real estate ta�c verification and/or reporting service used by Lender in connection with this I,oan. S. 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 other hazards including, but not lnnited 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 reyuires pursuant to the preceding sentences can change during the term o f the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to L,ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in conmection with this Loan, either: (a) a one-tirne charge for flood zone detemr�ination, certification and tracking services; or (b) a one-time charge for flood zone deternunation and certi�cation services and subsequent charges each time reznappings or similar changes occur which reasonably might affect such detemunation or certification. Borrower shall also be responsible for the payment of any fees imposed by the Fecleral Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maicitain any af the coverages described above, Lender rnay obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or arnount of coverage. Therefore, such coverage shall cover Lender, but might or might not prot�ct Bonower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability ar�d znight provide greater or lesser coverage than was previously in effect. Borrower aclrnowledges that the cost of ttae insurance coverage so obtained might significantly excced the cost of insurance that Borrower could have obtained. Any arnounts disbursed by Lez�der under this Section 5 shall become additional debt of Bonower secure� by this Security Instrument. These amounts shall bear interest at the Note rate frorn the date of disbursement and shall be payable, with such interest, upon notice frozn Lender to Borrower requesting payrnent. 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 standazd mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and xenewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by T.ender, 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 pay�. In the event of loss, Borrower shall give pronnpt notice to the insurance carrier and Lender. �.ender may malce proof of loss if not rnade prornptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was reguired by Lender, shall be applied to restoration or repair pf the Property, if the restoration or repair is economically feasible and Lender's security is nat 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 �amily - Fannie Mae/Freddie Mac UNIFORM INS7RUMENT ,�' �-6�NE) Ip8111 Paga B of 15 initiais: �°�' Form 3028 1/07 � f ✓ rN�� ' 1