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2U�007951 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a rnanner acceptable to Lender, but only so long as Borrower is performin� such agreement; (b) contests the lien in �ood faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate ta prevent the enforcement of the lien while those proceeclings are pending, but only until such praceedin�s are concluded; or (c) secures from tlte holder of the lien an agreement satisfactory to I.ender subordinating the lien to this Security Instrument. If Lender detarmines that any part of the Property is subject to a lien which can attain priority over this Security Instrurnent, 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 Sectian 4. Lender may require Borrower to pay a one-time charge for a real estata tax verification and/or reporting service used by Lender in cozanection with this Loan. 5. Property Insuranee. Borrower shall keep the it�npravements 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 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 Lender requires. What Lender requires pursuant to the 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 tn disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in cannection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for f7ood zone determinatian and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certi�cation. Borrower shall also be responsible for the payment of any fees imposed by the F'ederal Emergency Managernent Agency in connection with the review of any flood zone determination resulting froxn an objection by Eorrower. 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 nnder no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cpver Lender, but might or might not protect Borrower, Borrower's equiCy in the Property, or the contents of the Property, against any risk, hazard ar 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 Sorrower could have abtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Bo� secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such palicies 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. 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 renewal notices. If Borrower obtains any form of insurance coverage, not otherwise requrred by Lender, for damage to, ar destruction of, the Property, such policy shall include a standard mprtgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may rnake provf of loss if not made promptly by Borrower. Unless Lender and �3artower 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 shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 23b943 NEBRASKA - 5ingle Family - Fannie M ael�'reddie M ac UNIFORM INSTRUM ENT �-6�NE��oeii� PageBo(15 �nitia� Form3028 1/01 �