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20100871G Borrower shall promptly discharge any lien which has priority over this Security Instrwnent wnless Borrawer: (a) agrees in writing to the payment af the abligation secured by the lien in a nnanner acceptable to I.ender, but only so long as Borrower is perfarnung 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 thase proceedings are pending, but only until such proceedings are concluded; or (c) secures from che holdcr af the lien an agreernent satisfactory to I..ender 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 tlais Security Instrurnent, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that natice is given, Borrower shall satisfy the lien ar take one or rnore of the actions set forth above in this Se�tion 4. Lender may require Borrower to pay a one-time charge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Insarance. Borrower shall keep the irnprovernents now existing or hereafter er�cted an 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, fox which Lender requires insurance. This insurance shall be rnaintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insuraz�ce carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrowar's chaice, 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 f�ood zane determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certi�ication services and subsequent charges each time remappings or similar changes occur which reasonably might affecc such determinatipn or certification. Borrower sha11 also be responsible for the payrnent of any fees imposed by We Federal Emergency Managernent Agency in connectian with the review of any flood zone dete�nination resulting from an objection by Borrowcr. If Borrower faals to maiuitain any af the coverages described above, Lender may abtain insurance coverage, at L,�nder's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. lfiereforc, such coverage shall cover Lender, but might or might not protect Barrawer, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might pravide 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 arnounts disbursed by I..ender under this Section 5 shall become additional debt of Borrower se�ured by this Security Instrument. These amaunts shall bear interest at the Note rate from the date of disbnrsement and shall be payable, with such interest, upan notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals af such policies shall be subject to Lender's right ta disapprove such policies, shall include a standard mortgage clause, and shall name I.ender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certi�icaces. If I.ender requires, Borrower shall promptly give to I.ender all receipts of paid prerniums 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 sha11 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 prompt notice to the insurance carrier and Lender. Lender may make proof of loss if nat made prornptly by Borrower. Unless L.ender and Borrower otherwise agree in writing, any insurance proc�eds, whether or not the underlying in.surance was required by Lender, shall be applied to restoration vr 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 an oppartunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFQRM INSTRUMENT �-B(NE) �oei i� Page 8 of 15 inieiais: �� Farm 3028 7/01 , f ! . . , : . � � �