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201009075 Borrower shall promptly discharge any lien which has pariotity over this Security Instrument unless Bonowcr: (a) �grces in wriking to the payment of thc obligation sccurcd by thc lien in a tnanner acccptablc to Lender, but nnly so long as Borrower is performing such agreement; (b) contests the lien in good f'aith hy, ot defends against enforcement of the lien in, legal proeeedings which in Lender's opipion operatc to prevent the entorcement of the lien while thase pmceedings are pending, but only until such proceed'rngs �re concluded; or (c) secures from lhe holder of the lien an agreement satisfactory lo Lender tiuhordinaling the licn lo lhi� Secutity Instnunent. If Lender detennines that any part of the Property is subjeci to a lien which can attain priority over this Security Instnunent, I,ender may give Sorrower a notice identifying the lien. Within l0 days of the date on whieh thal nc�kice is given, I3orrawer shall satisfy the lien or take c�ne or more of the actions set forth above in this Section 4. Lendcr may rcquirc Bortower to pay a one-iitne chargc for a rcal estatc tax vcrification and/or reporting service used by Lender in cannection with this Loan. 5. Property Insurance. Bortower shall keep the improvements now existing or hereafter erected on the Property insured againstloss by �re, hazardsincluded within theterm "extended covetage," and any other ha•r.ards including, bul nol limiled to, carihquxkes and ilood�;, for which Lender require;s intiur,�nce. This insurance shall be maintained in ihe atnounts (including deductible levels) and for the periods that Lender requires. What Lender requires putsuant to the preceding sentences can change during the tcnn of the Loan. The insurancc carrier �roviding the insurance shall be chosen by I3orrower subject to Lender's right to disapprove Borrower's choice, which right shall not he exercised unrcasonably. Lender may rcquirc Sorrower to pay, in connection with this Loxn, eithcr: (a) a one-timc charge for flood zonc deterrnination, certification and tracking services; ot (b) a one-tirne charge for flood zone deietmination and certitication services and subsequent chatges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsihle for the payment of any fee:� imposed by the Fecleral F,mergene:y Management Agency in connection wilh lhe review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any pf the coverages desctibed above, Lender may obtain insurance covera�e, at Lender's option and Borrower's expense. Lender is under no obligation to putchase any particular type or amount of coverage. "1"herefore, such coverage shall cc>ver I.ender, but might or might noi ptotcct Borrowcr, Borrowcr's cquity in the Property, or thc contcnts of thc Property, against any risk, hazard or liability and rnight provide gteater or lesser cnverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtainecl might significantly exceed the cost of insurance that Bc�rrowet could have obtained. Any amount� disbursed by Lender under this Section 5 shall become additinnal debt of Bi�rrower secured by lhiti �ecurity Inslrument. '1'hese amounl5 �hall bear intc�resl at the Note rate from the date of disbursement and shall be payable, with such intetest, upou notice from Lender tn Borrower requestin�, payment. All insurance policies requircd by Lender and renewals of such policies shall be subject to Lender's ri�ht to disarprove such policies, shall include a standard mortgage clause, and shall nume Lender as mort�agcc and/or as an additional loss paycc. Lcndcr shall havc thc right io hold thc policics and rencwal ccrtificaics_ If Lcndcr rcquires, Borrowcr shall prorxiptly givc to Lcndcr all rcccipts of paid �remiums and renewal notices_ If Borrower obtains any form of insurance coverage, not otherwise required by Lendet, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and tihall name Lender ati morlgagec and/or a� an aclditional lotis payee. In the event c�f loss, Sorrnwer shall give prompt notice to the insurance carrier and Lender. Lender may make ptoof of loss if not tnade promptly by 13orrower. Unless Lender and Borrower otherwise agree in writing, any insurance pr�>ceeds, whether or not the underlying insurance was requited by Lender, shall he applied to restorati�n or repair �f the Property, if the restoration or repair is economically fea�ihle and Lender's security is not lessened. During such repait and restoration period, Lender shall have the right to hc�ld such insurance pr�cecds until Lender has had an opportunity to inypect such Property to en;surc thc NEBRASKA- Single Family - FannleMaelFreddle Mac UNIFORM INSTRUMENT �/"/ -' ��(NE) �os�i� Page B of 15 Initials; Fo�m 3028 1/01