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2oiooss52 Borrower shall proznptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in wricing to the payment of the obligation secured by the lien in a rnanner acceptable to Lender, but only sa long as Borrower is perfornung 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 prev�nt the enforcement of the lien while those proceedings aze pending, but only until such proceedings are concluded; or (c) secures from the holder af the lien an agreernent satisfactory to Lender subordinating the lien to this Security Instrument. If Lender deternlines that any part of the Property is subject to a lien which can attain prioriry over this Security Instrument, Lender rnay give Borrower a notice identifying the lien. Within 10 days af the date on which that notice is given, Borrower shall satisfy che 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 veri�cation and/or reporting service used by Lender in connectian with this Loan. 5. Property Insurance. Borrower shall keep the irnprovernents now existing or hereafter erected on the Praperty insured against loss by fire, haxards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insrxrance. This insurance shall be maintained in the amaunts (including deductible levels) and for the periods that Lender requires. What X.,ender requires pursuant to the preceding sentences can change during the term of the T_,oan. The insuurazice carrier providing the insurance shall be chasen by Borrower suhject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender rnay require Borrower to pay, in connection with this Loan, either: (a) a one-time charge far flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone deternunation and certification services and subsequent charges each tirne remappings or sim�ilar changes occur which reasonably might affect such deternunation or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in coantiection with the review of any flood zone detemunation resulting from an objection by $orrower. If Borrower fails to maicitain any of the caverages describe� above, Lender rnay obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of covera$e. Therefore, such coverage sha11 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 rnight provide greater or lesser coverage thaan was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might signi�cantly exceed the cost of insurance that $orrower cauld have obtained. Any amounts disbursed by Lender under Chis Section 5 shall become additional debt of Borrower secured by this Security Instrurnent. 'These arnounts shall bear interest at the Note rate from the date af disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right ta disapprove such policies, shall include a standard mortgage clause, and shall narne Letader as mortgagee and/or as an additional loss payee. L.ender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrawer shall pramptly give to I.ender all receipts of paid premiums and renewal notices. If Borrower obtains any forr� of insuxance coverage, not otherwise required by I.ender, for damage to, or destzuction of, the Property, such policy shall include a standard mortgage clause and shall narne Lender as rnortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prornpt notice to the insurance carrier and Lender. T.ender rnay rnake proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or nat the underlying insurance was required by L.ender, shall be applied to restoration 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 an opportunity to inspect such Property to ensure the NEBRASKA - 5ingle Family - Fannie Maa/Freddie Mac UNIFQRM INSTRUMENT �-61NE) (08i iJ Page 6 of 15 �nitiais'�� Form 3028 1/07 � /�l S 1 - . � ��► s ��.,°, i �. a.