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2oiooss�� Borrower shall promptly discharge any lien which has priprity 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 lien in good 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 from the holder of ct�e lien an agreement satisfactory to L,Qnder 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, I.ender rnay give Borrower a notice identifying ttxe lien. Within 10 days of 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 Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Inswrance. Borrower shall keep the improvernents now existing 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, earthquakes and floods, for which Lcnder requires insurance. This insurance shall be rnaintained in the amounts (including deductible levsls) 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 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-time charge for flood zone determinacion 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 fox the payrnent of any fees irnposed by the Federal Eznergency Management Agency in connection with che review of any flood zone deternxination resulting from an abjection by Borrower. If Borrower fails to maintain any of the caverages described above, Lender rnay obtain insurance coverage, at Lender's option and Borrower's expense. L.ender is under no obligation to purchase any particular type or arnount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrawer, 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 sa obtained might signi�cantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section S shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate frozxi the date of disbursement and shall be payable, with such interest, upon notice from I.,ender to Borrower requesting paym�nt. 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 name I.ender as rnortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If L,�nder requires, Borrower shall promptly give ta Lender all receipts of paid premiums and renewal natices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage ta, or destruction of, the Property, such policy sha11 include a standard rnortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of lass, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made prornptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoratian or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. Dnring such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie M�c UNIFORM INSTRUMENT �-8(NE) loet t1 Paae s ot i 5 Initlal Fqrm 3p28 1/01 �