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20100890� Borrower shall prornptly discharge any lien which has pric�rity over this Security Instrurrxc:nl unless Borrower: (a) agrees in writing to the payment of thc �bligation secured by the lien in a rnanner acceptable to T.ender, bul only so long as Borrower is perfarming such agreement; (b) contests th� li�n in good faith by, or defends against enforcement of the lien in, legal praceedings which in Lender's opinian aperate to prevenl the �nfarcernent of the lien whil� thos� proceedings are pending, but only until such proceedings are concluded; Ur (c) secures from the holdcr af the lien an agreement satisfacfory ta I,ender subordinating the lien to this Security Instrument. If Lender determines that any part af the Property is subject to a licn which can attain priority over this 5ecurity Instruinent, L.ender may give Barrower a notice identifying the lien. Within 10 days of the date on which that notice is give.n, Barrawer shall satisfy the lien or fake on� �r more of the actions set forth above in this Section 4. Lender may rcquire Borrower to pay a one-timc: charge for a real estate tax verification and/or reporting s�rvic� used by Lender in connection with tkxi� I�pan. 5. Property Insurance. Borrower shall keep the improvemcnts naw existing or hereafter erected on the Property insur�d against loss by fire, hazards included within th� term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, far which Lender requires insurance. This insurance shall be uiaintained in the amoun[s (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding s�nt�nces can change during the term of the Loan. Thc insurance carrier providing the insurance shall bc chasen by 13orrower subject to Lender's right tU disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Barrawer ta pay, in connection with this I�oan, either: (a) a one-time charge for flood zone d�terminatian, certification and tracking s�rvices; ar (b) a ane-time charge for flood zone determinafion and ccrtification services and subsequent chargcs �ach time remappings or similar changes occur which reasanably might affect such determination or ce�rtification. Borrower shall also be responsible For th� payment of any fees imposed by the I'edcral Em�rgency Management Agency in connection with thc review of any flood zone determinatian resulting from an objection by Borrower. If Borrower fails tc� mainlain any of the coverages described above, I,endcr may oblain insurance coverage, at L,ender's oplion and Borrawer's expense. Lender is under no nbligation ta purchase; any particular type or amaunt af coverage. Therefore, such coverage shall cover I.,�nder, but rnight or might not protect Borrower, Barrawer's equity in the Property, or the contents of the Praperty, against any risk, hazard or liability and rnight provide greater or lesser coverage than was pr�viausly in effect. Borrower acknowledges that th� cast af the insurance coverage so obtained might significantly exceed the cost of insurance that Borrowe.r cauld have obtained. Any amounts disbursed by U:nder under this Section S shall become additional debt a� Borrawer secured by this Security Tnstrument. These amaunts shall bear interest at the Note rate from the date �f disbursement and shall be payable, with such interest, upon notice from Lender to Borrower rc;yu�sting payrnent. All insurance policies required by Lender and renewals of such policies shall bc subj�ct ta I�cnder's right to disapprove such �alicies snarr include a standard mortgage clause, and shall name I.endcr as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the polici�:s and rencwal certificates. If Lender r�quire5, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If 13orrower obtains any form of insurance coverage, not otherwise r�quired by I.,ender, for damage ta, c�r destruction of, the Property, such policy shall include a standard mortgag� claus� and shall name Lc.ndcr a5 mortgagee and/or as an additional loss payee. In tb� ev�nl af loss, Borrower shall give prompt notice to the insurancc carrier and L�nder, Lender may make proof of loss if not made promptly by Borrower. LJnl�ss I,�nd�r and Borrower otherwise agree in writing, any insurance proc��ds, wh�ther ar not the underlying insurance was required by Lender, 5nar1 be applied to restoration or repair of thc: Praperty, if the rsstoratian or repair is economically feasible and l,ender"s security is nat lessened. During such repair and restoration period, Y.ender shall have the right to hold such insurance proce�ds until L.ender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-81NE) �oai n PAga 6 of 16 inisiais: � Form 3028 1/09 l�