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201008457 Borrower 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) contests the li�n in good faith by, or defends against enforcement of the lien in, legal proceedings which in I.ender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to I.ender subordinating the lien to this Security Instrument. If Lender determines that any paxC of the Property is subject to a lien which can attain priority over this Security Instrument, Lender xnay give Borrower a natice identifying the lien. Within 10 days of the date on which that notice is given, Borrower sha11 satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender raay require Borrower to pay a one-cime charge far a real estate tax verification and/or reporting service used by L.ender in cannection with this I.oan. 5. 1'roperty Insarance. Borrower shall keep the impravements now existing ar hereafter erected on the Property insured against loss by fire, hazards included within the term "extended cpverage," and any other hazards including, but not limited to, earthquakes and floods, for which I,ender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that L,Qnder 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. I.ender may require Borrower to pay, in connection with this Loan, 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 certi�cation services and subsequent charges each time remappings or similar changes occur which reasonably rnight affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Managernent Agency in connection with the review af any flppd zone determination resulting from an objection by Borrower. If Borrower fails to maintai.n any of the coverages described above, Lender rnay obtain insurance coverage, at I.ender's optian and Borrow�r's expense. Lender is under no obligation to purchase any particular type or amount of coverage. 'I'herefore, such coverage shall cover Lender, but rnight or rnight nat prot�ct Bonower, Banower's equity in the Property, ar the contents of the Property, against any risk, hazard ar liability and might provide greater ar lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so abtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by I.ender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upan natice from Lender to Borrower requesting payrnent. All insurance policies required by Lender and renewals of such policies shall be subject co Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name J,eander as martgagee and/ar as an additional loss payee. I.ender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall prarnptly give to Lender all receipts of paid premiums and renewal notices. If Barrower abtains 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 nanne Lender as mortgagee aud/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 I.ender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insuraince was required by I.ender, shall be applied to restoration or repair of the Property, if the res�oration or repair is ecanomically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such 1'roperty to ensure the NEBRASKA - Single Family - Fannie MaelFreddia Mac UNIFQFiM INS7RUMENT q � �-6�NE) 1oe�� Page 6 of 15 inisiais; .C�� Form 3028 7/07 �L s � , ,� , '