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2oious4s� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless $orrower: (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 perfornung such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinian aperate to prevent the enforcennenc 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 Tnstnunent. Tf Lender deternunes 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 of the date on which that notice is given, Borrower shall satisfy the lien or take on� or more of the actions set forth above in this Section 4. L.ender may require $orrower to pay a one-time charge for a real estate ta�t veri�cation and/or reportzng service used by L.ender in connection with this Loan. S. Pn'operty Insurance. Borrower shall keep the impravements 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 floods, for which Lender requires insurance. This insurance shall be maintained in the ar�'►ounts (including deductible levels) and for the periods that L.ender requires. What Lender requires pursuant to the preceding sentences can change during the term of the L.oan. The insurance carrier providing the insurance shall be chosen by Bonrower subject to Lender's right to disapprove $orrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this L.oan, either: (a) a one-tirne chaz'ge for flood zone detet'niination, r�rtification and tracking services; or (b) a one-time charge for flood zone deternunation and certi�cation services and subsequent charges each time remappings or sunilar changes occur which reasonably might affect such deternunation or certification. Borrower shall also be responsible for the payrnent of any fees unpased by the Fecteral Ernergency Management Agency in connection with the review of any flood zane deternunation resulting from an abjection by Borrower. If Borrower fails to maintain any of the coverages described above, L.ender may obtain insurance covexage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of caverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrowear's equity in the Praperty, 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 af insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall becorne additional debt of Borrower secured by this Security instrument. Thes� amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from L,ender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall narne Lender as mortgagee and/or as an addiCional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums az�.d renewal notices. If Borrower obtains any fornt of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Prope�ty, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prornpt notice to the insurance cazrier and Lender. L,ender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance praceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if th� restoration or repair is ecanornically feasible and Lender's security is not lessened. During such repair and resCoratian period, I.ender shall have the right to hold such insurance proceeds until Lender has had an opportunity ta inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Fraddie Mac UNIFORM INSTRUMENT �-6�NE) los� tI Paga 8 of 15 Initials: � 1 �� l l � Fvrm 3028 1/01 �� / ' " k � � .. � . . �. ♦ t F A ��