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2oioo�9ss Borrower shall prornptly discharge any lien which has priority over this Security Instrument unless Barrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to L.ender, but ozaly so long as Borrower is perfornung such agreernent; (b) contests the lien in gaod faith by, or defends against enforcennent of the lien in, legal proceedings which in Lender's opinion operate ta prevent the enforcement of the lien while those proceedings are pending, but only until such proccedings are cancluded; or (c) secures from the holder of the lien an agreement satisfactory to I..ender subordinating the lien to this Security Instrument. If I..ender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, I.ender may give Bonawer 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 Sorrower to pay a one-time charge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the irnprovernents now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazazds 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 co the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chasen by Barrawer subject to Lender's right to disapprove Borrower's choice, which right shail npt be exercised unreasanably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-tirne charge for flood zone determination, certification and tracking services; or (b) a one-tirne charge for flood zone deternunation and certi�cation services and subsequent chazges each tirne remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be respansible for the payment of any fees imposed by the Federal Emergency Managernent Agency in cpnnection with the review of any flood zone deternunation resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, I,ender 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 znight or might not protect Borrovc+er, Bonower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and rnight provide greater or lesser coverage than was previously in effe�t. �orrower acknowledges that the cost of the insurance cpverage so obtained might signi�cantly exceed the cost of insuurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrovver 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, upan notice from Lender to Borrower requesting payrnent. All insurance policies required by Lender and renewals of such policies shall be subject to �.ender's right to disapprove such policies, shall include a standard mortgage clause, and shall narne Lender as rnortgagee and/ar as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrawer shall promptly give to I.ender all raceipts of paid premiucns and renewat notices. If Borrower abtains 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 narne Lender as rnortgagee and/or as an additional loss payee. In the event of loss, Borrawer shall giv� prompt notice to the insurance carrier and I,�nder. Lender may rnake proof of lass if not made pramptly by Borrower. Unless I.ender and Borrower otherwise agree in writing, any insurance proceeals, whether or not the underlying insurance was required by Lender, sha�l be applied to restoration or repair af 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 proceecis until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddia Mac UNIFORM INSTRUMENT �-6�NE) lost t1 Page 6 of 15 Initials: �� Form 3028 7/07 .) t' � � 9 �.i . !i �`, ^`'°