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201007997 Borrower sha11 pramptly discharge any lien which has priority over this Security Instrunne�at unless Borrower: (a) agreea 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 agrcernent; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Ler�der's apinion operate to preventthe enforcement of the lien while those proceadings are pending, but only until such praceedings are conclude�i; or (c) sectiues frrnn the halder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If L,ender determines that any part of the Properiy is subject to a lien which can attain pri.ori.ty over this Security In.atrument, Lender may give Borrower a notice identifying the lien. Witbi,n 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one ar more of tlae actions set forth above in this Section 4. Lender may require Sorrower to pay a ono-time charge for a real estate tax verification and/or reporting service used by Lender in conaaection with this Loan. 5. Property Inaurance. Horrower sha11 keep the improvernents now existing or hereafter erected on the Property insured against loss by fire, hazards include� within the term "extended coverage, and any other hazards includang, but not limited ta, earthqual�es and flaods, for which Lender requires insurance. This insurance shall be �naintained in the aznounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the prer,eding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chos�n by Borrowex subject to Lender's right to disapprove Borrower' s choice, which right sbal.l not be exercised unreasonably. Lender may require Barrower to pay, in connection with this I.oan, either: (a) a on�tirne charge for flooci wne determination, certification and tracldng services; or (b) a one-time charge for flood zone determination and cert�i�ication services and subsequent charges each time rernappings ar similar changes accur which reasonably might affect such deternunation or certifica�ion. Borrower sball also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connectian with the review of any fload zone determination resuilting from an objection by Boirower. If Borrower fails to maintain any of the coverages described above, L,e�dcr may obtain insurance caverage, at Lender' s option and Borrower' a expense. Lender is under no obligation to purchave any particular type or amount of coverage. Therefore, such coverage shall caver Lender, but might or might not pratect Bolrower, Borrowec' s equity in the Property, or the contents of the Pcoperty, against any rislc, hazard or liability and might provide greater or lesser coverage than was previously in effect. �orrower aclmowledges that the cost of the insurance coveTage so obtained rnight sigaai�icantly excaed the cast of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Saction 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from tha date of disbursement and shall be payable, with such interest, upan norice &om Lender to Horrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprave such palicies, shall include a standard mortgage clause, and shall narne Lender as rnortgagee and/ar as aa additional loss payee. Lender shall have the right to hold the palicies and r�ewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiumq and renewal nntices. If Borrower 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 martgage clause and shall name Lender as martgagee and/or as an additional loss payee. In the event of lass, Borrower shall give prompt notice to the insurance carrie�r and Lender. Lender may make proof of loss if nat made promptly by Borrower. Unless Lender aud Sorrowex otherwise agree in writing, any insurance praceeds, whether or not the underlying insurance was required by Lender, shall be applied to restora�ion or repair of the Property, if the restoration or repair is econarnically feasible and Lender's security is not lessened. During such r�,pair and restoration peciod, Lender shall have the right to ho.ld such insurance proceed.s until Lender has had an opportunity to inspect such Property to ensure the 2200079023 D V6AN� NE�RA3KA - 5ingle Family -�'annle Mae/Freddle Mac UNIFORM INSTRUME•NT WITH MFRS � loaiv� Peps 8 of 15 Inhiele: J� Farm 3028 1/01 �