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2oioo97o� Borrower shall prornptly discharge any lien which has priarity over this Security Instrurnent unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a rnanner acceptable ta I.ender, 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 enforcemen.t of the lien while thase proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to I.ender subordinating the lien to this SecuriCy Instrument. If L.ender 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 ar rnore of the actio�.s set forth above in this Section 4. Lender may require Barrawer ta pay a one-time charge for a real estate tax verification and/or reporting service used by i.ender in connection with this Laan. 5. Property Insarance. Borrower shall keep the impravernents now existing or hereafter erected on the Froperty insured against loss by �re, hazazds included within the term "extended coverage," and any ather hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the arnounts (including deductihle IeveTs) and for the periads that Lender requir�s. What Lender requires pursuant to the preceding sentetaces can change during the term 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 e�cercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determit�ation, certi�icatian and tracking services; or (b) a one-time charge for flood zone deternunation and certi'tfic�ion services and subsec}uent charges each time remappi�gs or similar changes occur which reasonably tmght affeck such cietermination or certification. Borrowet s&aIl also be responsible for the payirient af any fce.s �mposed by the Federai Emergency Management Agency in connection wikh the review of any floai u�e determ�ination resuiting from an objection by Borrawer. If Borrower faiEs to m�aintain any of the caverages described above, Lender rnay obtain insurance coverage, ac Lender's option an�d Horrower's expense. Lender is under no obligation to purchase any particuIar t�pe or a�no�t af coverage. 'Cherefore, such caverage shall cover Lender, but might or maght not protect Barrowea, Bc>rrower's equity in the Property, or the contents of the Property, against any risk, hazarct or tiai�itity a�d might provide greater or lesser coverage than was previously in effect. Bormwer acknowledges that tFce cost af the insurance coverage so obtained might significantly exceed the cvst of insurance that Borrower couid have abtaGined. Any amounts disbursed by Lender under this Section 5 shall becorne additio� debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursexnent and shall be payable, with such interest, upon notice frozn L.ender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to d'zsapprove such policies, 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 Lender requires, Borrower shall promptly give to Len,der alI receipts of paid prerniums and renewal notices. If $onower obtains any form of insurance coverage, not otherwise required by I.ender, for darr►age to, or destruction of, the Property, such policy shall include a standard martgage clause and shall natne 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 Letader. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower atherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by L.ender, shall be applied to restaration or repair af the Property, if the restoration or repair is economically feasible and Lendez''s security is nat lessened. During such repair and restoration period, Lender shalt have the right ta hold such inswrance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFQRM INSTRUMENT �-6(NE) lost t1 Page 6 of 15 �n�tia�s: Form 3028 1/01 � ' �. � ° . � y V