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2oioo94ss Barrower shall proznptly 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 perfornung 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, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactary to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Prnperty is subject to a lien which can attain priority over this Se�urity Instrument, Lender may give Borrower a notice identifying the ]ien. Within 10 days of the date on 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. I.�nder may require Borrower to pay a one-time charge for a real estate tax veri�catian and/or reporting service used by Lender in connection with this Loan. S. Property L�surance. $orrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the terrn "extended coverage," and any other hazards including, but not lirnited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible leveIs) attd for the periods that L.ender requires. What Lender requires pursuant ta the preceding sentences can chazage during the term of the L.oan. The insurance carrier providing the insurance shall be chasen by Borrower subject to L.ender's right to disapprove Borrower's choice, which right shall not be exercised unreasanably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone deternunation, certification and tracking services; or (b) a one-time charge far flood zone deternunation and certification setvices and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certi�cation. Borrower shall also be responsible for the payznent of any fees irnposed by the Federal Emexgency Management Agency in conzxection wich the review of any flood zone deternunation resulting frorn an objectian by Borrower. If Borrower fails ta rnaintain any of the coverages described above, L.ender may obtain insurance coverage, at I,ender's option and Barrower's expense. Lender is under no obligation to purchase any part►culax type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or rnight not protect Borrower, Borrawer's equity in the Property, or tk►e contents of the Property, against any z hazard or liability and might pravide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so abtained rnight signi�cantly 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 Barrower secur'ed by this Security Instrument. These aznounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payment. All insurance policies required by Lender and z'enewals of such policies shall be subject to I ender's right to disapprove such policies, shall include a standard mortgage clause, and shall name L.ender as mortgagee and/or as an additianal loss payee. Lender sha11 have the right to hnld the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to L.ender all receipts of paid premiums and renewal notices. if Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Prnperty, such policy shall include a standard mortgage clause and shall narne Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower sh�all give prompt notice to the insurance catxier and Lender. Lender may make proaf af loss if not rnade proznptly by Borrower. Unless Lender and Boxrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, sha.11 be applied to restoration or repair of the Property, if the restaration or repair is economically feasible and L.ender'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 opportuxiity to inspect such Froperty to ensure the NEBRASKA - 5ingle Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) 108� t 1 Page 6 of 15 �nitials: �� Form 3028 1/01 � �� ts� �� ,s L� � � �,�, �