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2oioo$s34 Borrower shall pxomptly discharge any lien which has priority over this Security Instrurnent unless Borcower: (a) agrees in writing to che payment af the obligatian secured by the lien in a rnanner acceptable to Lender, but only so long as Borrower is perforining 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 anly 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 Instrument. If Lender determines that any part af the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrow�r a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrow�r shall satisfy the lien or take one or more of the accions set forth above in thia Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by I.ender in connection with this I.aan. 5. Property Insurance. Bonower shall keep the irnprovements now existing or hereafter erected on the Praperty insured against lass by fire, hazards included within the term "extended coverage," and any ather hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for cl�e 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 co I.ender's right to disapprove Barrower'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 determinatian, certification and tracicing services; or (b) a one-time charge for tlood zone determination and certi�catian services and subsequent charges each time remappings or similar changes occur which reasonably might aff�ct such determination ar certification. Borrovver shall also be responsible for the payment of any fees imposed by che Pederal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower, If Borrovver fails to maintain any of the coverages described above, Lender may obtain insurance caverage, at Lender's option and Borrower's expense. Lender 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 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 of insurance that Borrower could have obtained. Any amaunts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Sccurity Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice frorn Lender 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 name Lender as rnortgagee and/or as an additional loss payee. L,�nder shall have the right to hold the palicies and renewal certificates. If Lender requires, Borrower 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 Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall nazne Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. I.ender may make proof of loss if not made promptly by Borrower. Unless Lendear 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. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had au oppartunity to inspect such Property to ensure the NE6RASKA - Single Family - Fannie Mae/Freddta Mac UNIFORM INSTRUMENT � ,�` �-6�NE) loet t 1 Page B of 15 inmais: �'`��.IV� Form 3028 1/01 .} . f � . • . ,: • ' '�