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2oiao95s3 Batrower 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 performing 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 oxily until such proceedings are concluded; or (c) secures fram the holder of the lien an agreernent satisfactory to Lender subordinating the lien to this Security Instrument. If Lender deternunes 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 notice is given, Borrower shall satisfy the lien or take one or more of the acCioz�s set forth above in this Section 4. Lender may require $orrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Pt'operty Insurance. Borrower skxall keep the unprovements naw existing or hereafter erected on the Property insured against loss by �ire, hazards included within the term "extended coverage," and any other hazards including, but not liznited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be rnaintained in the amounts (including deductible levels) and for the periods that L,ender requires. What Lender requires pursuant to the preceding semences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Barrower subject to Lender's right to disapprove Borrower's choice, which right sha11 not be ezercised nnreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flaod zone determination, ceRi�cation and tracking services; or (b) a one-time charge for flood zone deternunation and certification services and subsequent charges each time rernappings or similar changes occur which reasonably mighc affect such deternvnation or certi�cation. Borrower shall also be responsiUIe for the payment of any fees imposed by the Federal Emergency Managennenc Agency in conneerion with the review of any floai zone determination resttlting from an objection by Borrower. If Sorrower faiIs ta maintain any of the coverages described above, I.ender may obtain insurance coverage, at Lender's aption and Borrawer's expense. Lender is under no obligation to purchase arty particular type or amaunt of coverage. Therefore, such coverage shall cover �.ender, but might or rnight not protect Borrower, Botrower's equity in the PropeRy, ar the contents of the Property, against any risk, hazard or liability and might provide greater ar lesser coverage than was previously in effect. Borrower acknowledges that the eost of the insurance coverage so obtained might signi�icantly exce�ed the cost of insurance that Borrower could have obcained. Any amounts disbursed by Lender under this Section S shall become additional debt of Borrower secured by this Security Instrument. These aznounts shall bear interest at the Nate 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 Lender and renewals of sueh policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as rnortgagee and/or as an additional loss payee. Lender shall have the right to hald the policies and renewal certificates. If I.ender requires, Borrower shall promptly give to I.ender aTl receipts af paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwisa required by Lender, for darnage to, or destruction of, the Property, such policy sha11 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 Lender. Lender may make proof of loss if nat made pramptly by Borrower. Unless Lender and Bort'ower otherwise agree in writing, any insurance praceeds, whether or not the underlying insurance was required by I.ender, shall be applied to restoration or xepair of the Property, if the restoratian or repair is economacally feasible and L,ender's security is not lessened. During such repair and restoration period, L,ender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-fi1NE) �OSt � 1 Page 8 of 15 �nit�a�s: Form 3028 1/01 � �• �`a � it �} q� .� �: .►