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201008519 Borrower shall promptly discharge any lien which has priarity over this Security Instrument unless Borrower: (a) agrees in writing to th� payment of the obligation secured by the lien in a manner acceptable ta Lender, but only so long as Borrower is perfomung such agreement; (b) contests the lien in gaod faith by, or defends against enforcement of the lien in, legal proceedings which in Lender'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 fram the holder of the lien an agreernent satisfactory to Lender 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 Instrurnent, Lender 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 one or raore of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge fox a real estate tax veri�cation and/ar reporting service used by Lender in coxua.ection with this Loan. S. Property Insurance. Borrower sha.11 keep the improvements now exisCing or hereafter erected on the Property insured against loss by fire, hazards included within the Cerm "extended coverage," and any other hazards including, but not limited to, earthqua�es and floods, �or which Lender requires insurance. This insurance shall be rnaintained in the amounts (including deductible levels) and for the pe�iods that Lender requires. What Lender requires pursuant to the preceding sentences can change duxing 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 nat be exercised unreasonably. Lender tnay require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certi�cation and tracking services; or (b) a one-Cime charge for fload zone deterniination and certification services and subsequent cha�rges each time remappings or similar changes occur which reasonably might affect such deternunation or certi�cation. Borrower shall also be responsible for the payment af any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone deternunation resulting from an abjection by Borrower. If Borrower fails to maintain any of th� coverages described above, L,ender may obtain insurance coverage, at L,ender's option and Borrower's expense. L.ender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and nnight provide greater or lesser coverage thaz� was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed ttxe cost of insurance that Borrower could have obtained. Any amounts disbuxsed by Lender under this Section 5 shall become additional debt of Borrawer secured by this Security Instrument. These amounts shall bear interesc at the Nate rate from the date of disbursement and shall be payable, with such interest, upon notice fronn Lender to $orrower requesting payment. All insurance palicies required by Lender 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 shall have the right to hold the policies and renewal certificates. If Lender requires, Barrower shall pramptly give to Lender all receipts of paid premiums and rer�ewal notices. If Borrower obCains any form of insurance coverage, not otherwise required by Lender, for damage to, ar destruction of, Che Properiy, such palicy shall include a standard mortgage clause and shall name I.ender as mortgagee and/or as an additianal loss payee. In the event of loss, Borrower shall give proznpt notice to the insurance carrier and I,endex. L,ender nnay rnake proof of loss if not rnade prornptly by Borrower. Unless Lender and Borrower otherwise agree in wtiting, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration ar repair 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 sha11 have the right ta hold such insurance proceeds until Lender has had an opporlunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUM�N7 �-6(NE) 108111 Page e af 15 Initials: Forr17 3028 1/01 � , �? � ��°+' ,.� a� �