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2oiooss5� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment pf 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 hplder of the lien an agreernent satisfactory to Lender 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, Lender may �ive Bprrower a notice identifying the 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 veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Iqsurance. Borrower 5hall keep the improvements now existing or hereafter erected on 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, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and far 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, eithez (a) a one-time charg� for flood zone determination, certification and tracking services; pr (b) a one-time charge for flood aone determination and certification service5 and subsequent charges each time remappings or sirnilar changes occur which reasonably might affect such determination or certification. Borrow�r shall also be responsible fpr the payment of any fees ixnposed by the Federal �mer�ency Management Agency in connection with fhe review of any flood zone determination resultin� from an objection by Borrower. Tf Borrower fails to maintain any pf the coverages described above, Lender may obtain insurance coverage, at Lender' s option and Borrawer' s expense. Lender is under no obligation to purchase any particular type or annount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Bprrower, 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 signi�cantly exceed the cost ot' insurance that Borrower could have obtained. Any arnaunts disbursed by Lender under this Section 5 sha11 becorne additional debt of Borrower secured by thi5 Security Instrument. These amounts shall bear interest at the Note rate fram the date of disbursement and shall be payable, with such interest, upon notice frozn Lender to Borrower requesting payment. All insurance policies required by L�nder and renewals of such pplicies slaall be subject to Lender's right to disapprpve such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiurns and renewal notices. If Borrower obtains any form af insurance coverage, not otherwise required by Lender, far damage to, pr destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower sha11 give prompt notice to the insurance carrier and Lender, t.,ender may make prpof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurar�ce was required by Lender, shall be applied ta restoration or repair of the Property, if the restoration or repaar 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 l�as had an opportunity to inspect such Property to ensure the 230971 NEBRASKA - 5ingle Family - Fannie MaelFreddie Mac UNIFORM iNSTRUMENT �-B�NE) �oeii� Page6 of 15 in��ei5: �� Form 3D28 1/01