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2U1008345 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (a) agrees in writing to che pay�raent 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 enforce�nent of the lien in, legal procaedings which in I.ender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but anly until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to L,ender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, L.ender may give Borrower a notice identifying the lien. Within 10 days af 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 Section 4. Lender may require Barrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Lnan. S. Property Insurance. Bonower shall 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 ather hazazds including, but not limited to, earthquakes and floods, for which Lender requires insurance. 'I'his insurance shall be maintained in the amounts (including deductible levels) and for the periods that I,ender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. 'The insurance carrier providing the insurance sha11 be chosen by Barrawer subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with Chis I.oar�, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payrnent of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. Tf Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at I..ender's optian and Borrower's expense. L.ender is under no obligation to purchase any particnlar type or amount of coverage, Therefare, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Praperty, against any risk, hazard ar liability and might pravide greater or lesser coverage than was previously in ef�ect. �orrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Barrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall became additional debt of Borrower secured by this 5ecurity Tnstrurnent. These amouz�ts sha11 bear interest at the Noce 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 policies sha11 be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name L.ender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certi�cates. If I.ender requires, Borrawer shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by I..ender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and sha11 name I.ender as m�ortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance cazrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was requircd by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and L,ender's security is nat lessened. During such repair and restoration period, Lender shall have the right to hpld such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the - - � NEBRASKA Single Family Fannie Mae/Freddie Mac UNIFQRM INSTRUMENT �-B(NE) (0811) Paoe s ot i 5 in�t�ais: Form 3028 7/01 '� W �' ` t: °� �".� �., � � r.