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201009711 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borz'ower: (a) agrees in writing to tlie payment of the obligation secured by the lien in a rnanner acceptable to Lender, but only so long as Borrower is perfarnung 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 enforcexnent 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 determines that any part of the Property is subject Ca a lien which can attain priority over this Security Insttument, 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 ane or more of the actipns set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in cannection with this Loan. 5. Property Insurance. Borrower shall kcep the irnprovements now existing or hereafter erected on the Proparty insured against loss by fire, hazazds included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes axtd floods, far which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. T'he insurance carrier providing the insurance shall be chosen by Barrawer subject to I,ender's right to disapprove Sorrower's choice, which right shall not be exercised unreasonably. I.ender may require Borrower ta pay, in connection with this L,oan, either: (a) a ane-time charge for flood zone detemiination, certi�ication and tracking services; or (b) a one-time charge for fload zone determination and certification services and subsequent charges each tizne reznappings or similar changes occur which reasanatrly might affect such deterininatian ar certification. Borrower shall also be responsible far the payment of any fees imposed by tI� Fec�eral Ernergency Management Agency in connectian with the review of axiy flaad zone dete,rmination resulting fmm an objectian by Borrower. If Sorrower fails to xnain�aixe a�zy of the coverages described above, Lender may obtain insurance covexage, at L�r's c�ptian and Horrow�r's ezpense. Lender is under na obligation to purchase any particutar typ�e ar amotmt of cvve�rge. 'Therefore, such coverage shall cover Lender, but might or might not pa�tect Haxro�er, Borrow�er's ec�uity in the Property, or the contents of the Praperty, against �y risk, hazarct ar IiabiFity axxt might provide greater or lesser coverage than was previously in effect. Borrower acknowIedges that tt� cost of t�ie insuxance coverage so obtained might significantly excced the cost of insurance that Borrower coulc� trave obtained. Any amounts disbursed by Lender under this Section 5 shall becorne additionaI debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate frorn the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance palicies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such palicies, shall include a standard rnortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If I.ender requires, Barrower shall promptly give ta Lender alI re�eipts of paid pretniums 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 Lender as mortgagee and/or as an additianal loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and I.ender. Lender rnay rnake proof of loss if not made promptly by Borrower. Unless �,ender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurar►ce 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 ta hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA -$ingle Family - Fannie Mae/Freddia Mac UNIFORM INSTRUMENT �-6(NE11oa>>1 Page8of15 i��uais: Form3028 1/07 � . � d , " � ��