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�oiao�274 Borrower shall promptly discharge any lien which has priarity over this S�curity 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 Bort'ower is performing such agreem�nt; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in L.ender's opinion operate to prevent the enfoxcement of the lien while those proceedings are pending, but only until such proceedings at'e concluded; or (c) secures from the holder of the lien an agreemant satisfactory to Lender subordinating 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 10 days of the date on which that natice is given, Borrower shall satisfy the lien or take one or mare af the actions set farth abave in this $ection 4. Lender may require Borrower to pay a one-time charge far a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the irnprovements 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 lirnited to, earthquakes and floods, for which Lender requires insuranc�. This insurance shall be maintained in the amounts (including dednctible 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 L.ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. I.ender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone deternunation, certi�cation and tracking services; or (b) a one-tirne charge for flood zone decermination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees irnposed by the Federal Emergency Management Agency in connection with the review of any flaod zone d�terminatian resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's aptian and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but rnight or rnight not protect Borrower, Borrower's equity in the Property, or the contents of the Praperty, 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 so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by L.ender under this Section 5 shall become additional debt of Borrower secured by this Security Instrunnent. These amounts shall bear interest at the Note rate frorn the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower reyuesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to L.ender's right to disapprove such palicies, shall include a standard mortgage clause, and shall name Lender as martgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If T.,ender requires, Borrower sha11 promptly give to Lender all receipts of paid prerniurns and renewal notices. If Borrower abtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such palicy shall include a standard mortgage clause and shall name Lender as raortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and L,ender. 1,ender rnay rnake proof of loss if not rnade promptly by Borrower. Unless Lender and Borrower atherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was xequired by Lender, shall be applied to restoratian ar repair of the Property, if the restoration or repair is econonnically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right ta hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/�reddie Mac UNIFORM INSTRUMENT �-6�NE) 1o8t t 1 paae s or i 5 i��c�ais: �{ �+� Form 3028 1/01 �_ � r f � r , � } ,� 1' r 1 . �