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201oo94s� Borrower shall promptly discharge any lien which has priority aver this Security Instrurnent unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but pnly so long as Borrower is performing such agreernent; (b) contests the lien in good faith by, or defends against enforcemerzt of the lien in, legal proceedings vvhich in Lender's apinion operate to prevent the enfarcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures frozn the holder of the lien an agreernent satisfactory to Lender subordinatin� the lien ta this Security Instrument. If Lender determines that any part of the Froperty is subject to a lien which can attain priority over this Security Instrument, Lender naay give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, �orrower shall satisfy tk�e lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verificatipn and/or reportin� service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements naw existing or hereafter er�cted on the Property insured against loss by fire, hazards included within the terxn "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shal] be maintained in the amounts (including deductible levels) and for the perioda that Lender requires. What Lender requires pursuant to the praceding sentences can change during the terxzi 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 znay require Sorrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each tune rernappings or similar changes occur which reasonably might affect such determination or certification. Sorxower shall also be responsible for the payment of any fees imposed by the Federal Ernergency Managemer�t Agency in connection with the review of any #]ood zone determination resulting fmm an objection by �orrower. Tf Aorrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lerader' s option and Sorrower' s expense. Lender is under no obligation to purchase any particular type or amount af coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower' s equity in the Yroperty, 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 Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instarument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lendez' and renewals of such policies shall be subject to I,ender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. I,ender shall have the right ta hold the policies and renewal certificates. If Lend�r requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for dan:�a�e to, or destruction of, the Froperty, such policy shall include a standard mortgage clause and shall name Lender as rnortgagee and/or as an additional loss payee. ln the event of loss, Borrower shall give prozx�pt nptice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the und�rlying insurance was required by Lender, shall be applied to restoration ar repair of the Property, if the restaration or repair is economically feasible and Lender' s security is not lessened. During such repair and restoration period, I�ender shall have the right to hold such insurance proce�ds until Lender has had an opportunity to inspect such Prnperty to ensure the 230986 NEBRASKA - Single Family - Fannie M ae/Freddie M ac UNIFORM INS7RUM ENT ,�` �-6(NE) (oe11) Paga6 of 15 Initials: 1� Form 3028 1/01 �