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�oloo9i4� Bonower 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 manner acceptable to Lender, but only so long as Borrower is performing such agreement; @) conCests the licn in gaod faith by, or defends against enforcement of the lien in, legal proceedings which in I..ender's opinian operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subardinating the lien to this Security Instrument. If Lender 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 1� days of the date on which thac notice is given, Barrawer shall satisfy the lien or take one or more of the actions set forth above in this Section 4. L.ender may reqnire Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by I..ender in connection with this Loan. 5. Property Insurance. Borrawer shall keep the improvements now existing or hereafter erected on the Property insured against loss by fir�, hazazds included within the term "extended coverage," and any other hazards including, but not lunited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (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 ta Lender's right to disapprove Borrower's choice, which right sha11 not be exercised unreasanably. Lender rnay require Borrower to pay, in connection with this L.oan, either; (a) a ane-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone deterimination and certi�ication services and subsequenc charges each ti�ne remappings or sunilar changes occur which reasonably might affect such determination or certification. Borrower shall also be r�sponsible for the payment of any fees imposed by the Federal Emergency Management Agency in connectian with the review of any flood zone determination resulting frorn an objection by Borrower. If Borrawer 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 no obligation to purchase any particular type ar amount of coverage. Therefore, such coverage shall cover Lender, but might or might nat protect Banower, Bonower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage sa obtained rnight significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by L,ender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amaunts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Barrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject ta I.ender's right to disapprpve such policies, shall include a standard mortgage clause, and sha11 name Lender as rnortgagee and/ar as an additional loss payee. L,�nder shall have the right to hold the policies and renewal certi�icates. If L.ender requires, Borrower sha11 promptly give to Lender all receipts of paid prerniurns and renewal notices. If Borrower obtains any foz�m of insurance coverage, nat otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and I.ender. L,ender may make propf pf loss if nat made prprnptly by Borrower. Unless Lender and Borrower otherwise agaree in writing, any insurance proceeds, whether or not the underlying insurance was required by I..ender, shall be applied to restoration ar 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, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such PropeRy to ensure che NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT � �-6�NE) �oaii� Page 6 of 75 iniciais: � Form 3028 1/01 ; . F ,(� > � .