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<br />Borrower shall promptly dischargc any li�n which has priority over this Security Instrurnent unless
<br />Borrower: (a) agrees in writing to the payment af the obligation secured by the lien in a manr�er acceptable
<br />to Lender, but only so lang as Barrower is performing such agreement; (b) cUntests the lien in good faith
<br />by, or defends against �nforcement of the lien in, legal proceedings which in I.�nder's opinion operate to
<br />prevent the enforcement of the lien while those proceedings are p�nding, but only until such proceedings
<br />are concluded; or (c) secures from the holder of the lien an agreem�nt satisfactory to Lender subordinating
<br />the lien to this Security Instrument. If T.ender determines that any part of the Property is subject to a lien
<br />which can attain priarity over this Security Instrumcnt, I,ender may give Borrower a notice identif'ying the
<br />lien. W►ihin 10 days of the date on which that notice is given, Borrnw�r shall satisfy the lien or take one or
<br />more of the actians set forth above in this Section 4.
<br />I,ender may require Borrower to pay a ans-time charge for a real estate tax verification and/or
<br />reporting service used by Lend�r in t;annection with this Loan.
<br />5. Property Insurancc. BUrrawer shall keep the improvements now existing or hereafter ercctcd Un
<br />the Property insured againsi lass by fire, hazards included w'rthin the term "extcndcd caverage," and any
<br />other hazards including, but not limited to, earthquakes and tloods, for which L�nder reqnires insurance.
<br />This insurance shall be inaintained in the amounts (including deductible. levels) and for the periods that
<br />I,ender requires, What L.ender requires pursuant to the preceding sent�nces can change during the term of
<br />the Loan. Th� insurance carrier providing the insurance shall be chosen by Barrawer subject ta Lender's
<br />right tp disapprove Borrower's choice, which right shall not b� ex�rcis�d unreasonably. Lender rnay
<br />requir� Borrower ta pay, in connection with this I,oan, either: (a) a one-time charga far flood zane
<br />determination, certification and tracking services; or (b) a onc-time charge far fload zone determination
<br />and c�rtification services and subsequent charges each time remappings or similar changes accur which
<br />reasanably might affect such determination or certification. Borrower shall alsa be respansible far the
<br />payment of any fees imposed by the �ederal Emergency Management Ag�nr:y in connection with th�
<br />review of any flood zone determination resulting from an objection by Borrower.
<br />If Borrower fails to maintain any of th� c.ov�rag�s described abav�, Lender may obtain insurance
<br />coverage, at Lender's option and Sonraw�r's expense. I,snder is under no obligation to purchase any
<br />particular type or amaunt af cavurage. T'herefore, such coverage shall cover T.ender, but might or might
<br />not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk,
<br />hazard or liability and might provide greater or lesser coverage than was previously in effecl. Borrower
<br />acknowledges that 4k�e cost of the insurance coverage so obtained might significantly exceed the cost of
<br />insurance that Borrc�wer cauld have obtained. Any amounts disbursed by L.ender under this Section 5 shall
<br />b�come additianal d�bt of Borrower secured by this 5ecurity Instrument. '1`hese amounts shall bear interest
<br />af the Note rate fram the date of disbursement and shall be payable, with such interest, upon notice from
<br />L�nder ta Barrawer requesting payment.
<br />All insurance policies required by Lender and renewals of such policies shall be subject to I,ender's
<br />ri�ht to disapprove such policies, 5narr include a standard mortgage clause, and shall name I,ender as
<br />mortgagee and/or as an additional loss payee. L.ender shall have the right to hold the policies and renewal
<br />certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
<br />renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender,
<br />for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and
<br />shall name Lender as mortgagee and/or as an adc�ikic�nal loss payee.
<br />Tn the event of loss, Bc�rrowear shall give prampt notice to the insurancc carri�r and I.ender. I.ender
<br />may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree
<br />in writing, any insurance proceeds, whether or not the underlying insurance was required by L.ender, shall
<br />be applied to restaration or repair of the Property, if the restoration or repair is economically feasible and
<br />Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
<br />hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the
<br />NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFpRM INSTRUMENT
<br />�-6�NE) wa� i i Pe a of i 5 init�aix: Form 3028 1/09
<br />'�"�.
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