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�� Borrawer 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 manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) cantests the lien in good faith by, or defends against enforcernenc of the lien in, legal proceedings which in L,Qnder's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If L.ender determines that any part of the Froperty is subject ta a lien which can attain p�iority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that natice is given, Borrower shall saCisfy 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 estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shal.l 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 limited to, earthquakes and flaods, 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 af the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. L.ender may require Borrower to pay, in conneccion with this L.oan, either: (a) a one-time charge for flood zone determination, certification and crackang searvices; or (b) a one-time charge for flood zone dete�ination and certification services and subsequent charges each time remappings or similar changes occur which reasonably rnight affect such determination or certi�cation. Borrower shall also be responsible for Che payment af any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zane deternlination resulting from aza. objection by Barrower. If Borrower fails to maintain any of the coverages described above, Lender rnay obtain insurance coverage, at I.ender's option and Borrower's expense. Lender is under no obligation to purchase any particular type ar amount of coverage. Therefore, such cov�rage shall cover Lender, but might or might not protect Banawer, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liabitity and might provide greater or lesser coverage than was previausly in effect. Borrower acknawledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower cauld have obtained. Any amounts disbursed by Lender under this Section 5 shall become additioanal debt of Barrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from, che date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies requixed by I.ender and renewals of such policies shall be subject to L.ender'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 sha11 have the right to hold the policies and renewal certificates. If I,ender requires, Borrower shall prornptly give to I.ender all r�ceipts of paid premiums and renewal notic�s. If Barrower obtains any form of insurance coverage, not otherwise required by Lender, for dam.age co, or destruction of, the Property, such policy shall include a standard martgage 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 make proof of loss if not made promptly by Borrower. Unless Lender and Borrower atherwise agree in writing, any insurance proceeds, whether ar not the underlying insurance was required by Lender, shall be applied to restoracion ar repair of the Property, if the restoration or xepair is economically feasible and Lender's security is not lessened. During such repair and restoration period, I.ender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Praperty to ensure the NEBRASKA - Single Family - Fannia MaelFreddie Mac UNIFORM INSTRUMENT �-6�NE) 1oe111 Page 8 of 15 inicisis: Form 3028 1/01 � r � ,�:� � q � ��. �