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2 0ioos9�o Borrower shall promptly discharge any lien which has priarity over this Security Instrurnent unless Bonower: (a) agrees in writing to che payannent of the obligatipn sscured by the lien in a rnanner acceptable to I.�nder, but only so long as Borrower is performing such agreement; (b) cantests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion aperate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secuares from the holder af the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lendcr determines that any part of the Property is subject to a lien which can attain priority aver this Security Instrument, Lender may give Borrower a notice identifying the lien. Within lp days of the date an 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 verification and/or reparting service used by Lender in cannection with this Lpan. S. Property Insurance. Borrower shall keep tha 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 arnounts (including deductible levels) and for 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, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each tirne remappings or similar changes occur which reasonably might affect such dsternunatian ar certification. Borrower shall also be responsible for the payment af any fees impased by the �ederal Emergency Management Agency in connection with the review of any #]ood zone determination resulting from an objcction by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under na obligation to purchase any particular type or amount of covearage. Therefore, snch caverage shall cover Lender, but might or might nat protect Bonrower, Borrower's equity in the Praperty, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage thaa� was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cast of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These announts shall bear interest at the Note rate fram the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrovc+er 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 name L.ender as mortgagee and/or as an additional loss payee. Lender shall have the right ta hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal natices. If Borrower obtains any form of insurance coverage, not otherwise required by I.cnder, for dacnage to, or destruatian of, the Pmperty, such policy shall include a standard rnortgage clause and shall name I.endex as m�ortgagee and/ar as an additional loss payee. In the event of loss, Boarrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, 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, L,ender shall have the right to hold such insurance proceeds until Lender has had an opportuuity ta inspect such Praperty to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-BINE) �ps>>1 Page 8 of 16 initiais: �� Form 302$ 1/01 s.�s ay{ � � 1�P l :.q . �; � ' i