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201009789 Borrower shall promptly discharge any lien which has przority over this Security Instrurnent unless Borrower: (a) agrees in wriCing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but ozily so long as Borrower is performing such agreement; (b) contests the lien �n good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent tkte enforcement of the lien while those proceedings are pending, but only until such praceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory tn Lender subordinating the lien to tlus Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instruxttent, Lender may give Barrower 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 actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax veri�cation and/or reparting service used by Lender in connection with this Loan. S. Property Insurance. Borrower shall keep the impravements now existing or hereafter erected on the Property insured against loss by �re, hazards included within the term "extended coverage," and any other hazards including, but not lirnited to, earthquakes and floods, for wttich Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that L.ender x�quires. What Lender requires pursuant to the preceding sentences can chazxge during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Bonower subject ta Lender's right ta disapprove $orrower's chaice, which right shall not be eaercised unreasonably. Lender may requir� Borrower to pay, in connection with this Loan, either: (a) a one-tirne charge for flood zone deCez�mination, cert�cation and tracking services; or (b) a one-time charge for flood zome deterrnination and certification services and subsequent charges each tizne remappings or similaz changes occur which reasonably mi�ht affect such detemrination or certification. Barrower shall alsa be responsible far the payment of axry f+ees ixnpased by the Federal Emergency Ma�nagement Agency in cannection with the review of atty fIoocl zone determination resulting from an objection by Borrower. If Borrawer fails to maintain any af the coverages described above, Lender may obtain insuraxxce coverage, at Len[1er's option atad Borrower's expense. Lender is under no obligation to purchase any particulaz type or arnount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Barrower, Borrower's equity in the Praperty, or the contents of the Property, against any risk, hazard or liability and might provide gxeater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage sa obtained might significantly exc�d the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under khis Section 5 shall became additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and sha11 name Lender as rnortgagee and/or as an additional loss payee. L.ender shall have the right to hold the palicies and renewal certif cates. If Lendez' requires, Borrower shall promptly give to Lender alI receipts of paid premiurxis and renewal notices. If Borcower 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 narne 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 not made pramptly by Borrower. Unless Lender az�d Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by I.ender, shall be applied to restoration or repair of the Property, if the restaration or repair is economically feasible and L.ender's securiry is nat lessened. During such repair and restoratian period, Lender 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 �-6(NE) los� U Page 6 of 15 i��s�ais: Form 30Z8 7/01 � � � S��"1 1 , � a � . �