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201048731 Borrower shall promptly discharge any lien which has priority over khis S�curity Instrument unless Borrower: (a) agrees in writing t�� tht; paym�nt of the ��hligatian secuted by the lien in a manner acceptable to Lender, but only s� lang as Barrow�r is p�rforming such agre�ment; (b) contests the lien in good faith by, or defcnds agains[ enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevcnt the enfarcement of the lien while those proceedings are pending, but only until such proceedings ars cancluded; or (c) secures froni the holder of the lien an agreement satisfactory to Lender subordinating Ghe lien ta this Security Tnstrument. If L.ender determines that any part of the Property is subject to a lien which c;an attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days af the date on which that notice is given, Borrawer shall satisfy the lien or take ane or mare al' ths 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 Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the temi "extended coverage,'" and any other hazards including, but nal limited t�, carthquakes and fl�ads, far which I,endcr requires insurance. This insurance shall bt maintain�d in th� amounts (including deductible l�vcls) and for th� periods that Lender requires. What L,ender reqnires pursuant to the preceding sentances can change during the t�rm af the Loan. The insuranc� carrier praviding the insurancs shall be chasen by Barrawer subject ta I.�nd�r's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in cannectian with this I.,c�an, �ither: (a) a one-tirne charge far flaad z�nc determination, certiPication and tracking services; ar (l�) a ane-time charge far flaod znne det�rmination and certificatian services and subsequent charges each tim� rc:mappings Ur sirnilar changes o�:cur which reasonably might affect such determination or certification. Barrawer shall also be respansible for thc payment of any fees irnposed by the Federal Emergency Management Agency in connection with the review of any fiaod zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the 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 purchas� any particular type or amount of coverage. 'Therefore, such caverage shall caver Lender, but might or might ACl( PIP�CGL BqiCpWCT, Borrower's equity in the Froperty, Ur CIY� can[cnts c�f ti�� Prpperty, againsl any risk, hazard or liability and might provids greatex ar lesser coverage than was previously in effect. Borr�wer acknUwledges that the cost of the insurance coverage sp obta'rned might significantly �xc��d the cast of insurane� that Borrower cauld have abtained. Any atnpunts disburscd by Lender und�r ihis Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amaunts shall bear int�r�st at the Note rate from the date of disbursement and shall be payable, with such interest, upan nalice from 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 nanie Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. Tf I.ender requires, Borrower shall promptly give to L.ender all receipts of paid premiums and renewal notices. Tf �arrawer nbtains any form of insurance coverage, not otherwise required by L.ender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall nam� Lender as rnortgage� and/or as an additional loss payee. In the event of lass, Barrc�wer shall give prompt notice to the insurance carrier and T.ender. Lender may make proof af loss if not made pramptly by Barrawer. Unless Lc:nc�er and Borrower otherwise agree in writing, any insurance proceeds, whether ar not the underlying insurance was required by Lender, shall be applied to reskaration or repair af the Pr�perty, if the restoration or repair is economically feasible and L.ender's security is not lessened. puring 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 - Fannle Mae/Freddie Mae UNIFORM INSTRUMENT �-6(NE►losii) Page6of1B i��c�aig: �� Form3028 1/01