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201008934 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a inanner 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, liut only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Cnstrument. if C.ender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, I3orrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require $orrower to pay a one-time charge for a real estaCe tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property In5urslnce. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by flrc, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for wlaicli Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender reyuires. What Lender requires pursuant to the preceding sentei�ces caz� 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, cither: (a) a one-time charge for tlood zone determination, certi�cation and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or si�nilar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the �ederal Emerge��cy Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages descrihed above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchasc any particular �ype or amount of coverage. Therefore, such coverage shall covcr L,cnder, but might or might not protect Borrower, Barrower's equity in the Praperty, or the contents of the Property, against any risk, hazard or liability and might provide greacer or lesser caverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addicional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate fro►xa the date of disburse►nei�t and shall be payable, with such interest, upon notice Crom Lender to Borrower requesting payme»�. All insurance policies required by Lender and renewals of such policies shall he subjcct to Lendcr's right to disapprove such policies, shall include a staiadard mortgage clause, and shall name Lender as mortgagee and/or as an additianal loss payee. Lender shall have the right to hold [he policies and renewal certificates. If Lender requires, Borrower shall promptly give to I.e�ider all receipts of paid premiums and renewal n��tices. If B��rrower obtains any for�n of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall i�iclude a sta��dard n�ort�age clause and shall name �,ender as morcgagee and/or as an additional loss payee. In tl�e event of loss, I3orrower shall give prompk notice to the insurance carrier and Lender. Lender may make proaf of loss if not made pramptly by Barrower. Unless Lender and Borrower ocherwise agree i�� writing, any insurance proceeds, whether or not tlle underlying insurance was reyuired by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is ec;onomically 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 - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) ios� � i Page 6 ot 15 in�uais: �� Form 3028 1/01 m i� F i 1, � � . Y