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201a09647 Borrower shall prornptly 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 rnaiuier acceptable to Lender, but otily 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 I..ender's opinion aperate to prevent the enforcernent of Che lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from 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 Praperty is subject to a lien vvhich can attain priority over this Security Instrument, Lender rnay give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall saCisfy the lien or take one or more of the actions set forth above in this Section 4. Lender miay require Borrower to pay a one-time charge for a real estat� tax verification and/or reporting service used by Lender in connection with this I,oan. 5. Property Insurance. Barrawer shall keep the improvernents now existing or hereafter erected on the Paroperty insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthqualces and floods, far which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that L.ender requires. What I.ender requires pursuant to the preceding sentences can change during the term of Che L,oan. Th� insurance carrier providing the insurance shall be chosen by Borrower subjeet to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may arequire Borrow�r to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certi�cation and tracking services; or (b) a one-time charge for flood zone detemunation and certifieatian services and subsequent charges each time remappings or similar changes occur whieh reasonably migllt affect such determination or certification. Barrovver shall also be responsible for the payment of any fees imposed by the �ederal Emergency Managernent Agency in connection with the review of any flood zone determination resulting from an objectian by Borrower. If Barrower fails to znaintain any of the coverages described above, Lender may obtaun insurance coverage, at Lender's option and Borrower's expense. Lender is under na obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might nat protect $orrower, Borrower'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 so obtained tttight signi�cantly excced the cost of insurance that Borrower could have obtained. Any amounts disbursed by I.ender under this Section 5 shall become additional debt of Borrower secured by this Security Instnunent. These amounts shall beaz interest at the Note rate from the date of disbursernent and shall be payable, wich such interest, upon notice frorn I..ender to Borrawer requesting payment. All insurance policies required by I.,ender and renewals of such policies shall be subject to L.ender's right to disapprove such policies, shall include a standard mortgage clause, and shall name �.,ender as martgage� and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid prerniums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name L.ender as mortgagee and/or as an additional loss payee. In the event of loss, Borrawer sha11 give prompt notice to the insurance carrier and �.ender. Lender may make proof of loss if not made promptly by $orrower. U[iless I,ender and Borrow�r otherwise agree in writing, any insuxance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or 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 hald such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - 5ingle Family - Fannie Nlae/Freddie Mac UNIFORM INSTRUMENT �-61NE) �os>>� Page 8 of 15 in�e�ais: �� Form 3028 7/p7 � : ,. k " � ^ �