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2oioos33s Borrowex shal.l promptly discharge any lien which has priority over this Security Instrument unless Bor�rower: (a) agrees in wriCing Co the payment of Che obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) concests the lien in good faith by, ar defends against enforcement oF the lien in, legal proceedings which in T...en.der's opinion operaCe to prevent the enforcement af the lien while those proceedings are pending, but only until such proceedings are concluded; oar (c) secures from the holder of the lien an agree�xaent satisfactory to Lender subordinating the lien to this Security Instrument. If I.ender determines that any part of the Property is subj�ct ta a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within lp days of the date on which that notice is given, Borrower shall satisfy the lien or take one or rnore of the actians set forth abave in this Section 4. Lender may require Borrower to pay a ane-time charge far a real estate tax veri�cation and/ar reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on che Property insured against loss by fire, hazards included within the term "extended coverage," and any ather hazards including, but not lirnited 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 to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrawer to pay, in cpnnectian with this L.aan, either: (a) a one-time charge far flood zone determination, certification and tracking servic�s; or (b) a one-time charge for flood zane determination and certi�cation services and subsequent charges each ti�e remappings or similar changes occur which reasonably might affect such detez�rnination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Managennent Agency in connection with the review of any flood zone detearmination resulting from an objection by Borrower. If Borrower fails to znaintain any of the coverages described above, Leander may obtain insurance coverage, at Lender's option and Borrower's expense. L,Qnder 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 Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or 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 Borrower could have obtained. Any amounts disbursed by Lender under this Section S shall becorne additional debt of Borrower secured 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 frorn Lender to Borrower requesting payment. All insurance policies required by L.ender and renewals of such policies sha11 be subject to Lender's right to disapprove such policies, shalt include a standard mortgage clause, and shall name L.ender as mortgagee and/or as an additional loss payee. I.�nder shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to Lender a11 receipts of paid premiums and renewal notices. If Borrower obtains 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, Borrower shall give prornpt notice to the insurance carrier and L,Qnder. Lender may make proof of loss if not made prornptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurancB proceeds, wheth�r or nat the underlying insurance was required by Lender, shall be applied to restoration or rspair of the Property, if the restoration or repair is economiCally feasible and Lender's security is not lessened. During such repair and restoration period, L.ender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Froperty to ensuxe the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT r�� �-6�NE) loet t1 Pege 6 of 16 in�tisis�� Form 3028 1/01 � �� ! :.� f� �"� �.a f`