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201U09793 Borrower shall prornptly discharge any lien which has prioriCy over this Security Instrument unless Borrower: (a) agrees in writing to the payrnent of the obligation secured by the lien in a manner acceptable ta Lender, but only so long as Borrower is performing such agreeznent; (b) contests the lien in gaod faith by, nr 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 only until such proceedings are cancluded; or (c) secures from the holder of the lien an agreennent satisfactory to Lender subardinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject ta a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice id�ntifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or rnore 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 verificatian and/or reporting service used by I.,endex in connection with this Laan. 5. Piroperty Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage, " and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periads that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance sha�l be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall anoC be exercised unreasonably. Lender may require Borrower to pay, in connection with this I.oan; either: (a) a one-time charge far flaod zone determination, cercification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certi�cation. Borrower shall also be responsible for the payrnent of any fees irnposed by the Federal Emergency ManagemenC Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender rnay obtain insurance coverage, at J.ender's option and Borrow�r's expense. Lender is under no obligation to purchase any particular type or amaunt of caverage. Therefore, such coverage shall cover Lender, but might or tnight not protect Borrower, Boz7rower's equity in the Property, or the contents of the Praperty, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cast of the insurance coverage so abtained might significantly exceed the cost of insurance that Borrower could have obtained, Any amaunts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall bs 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 policies, shall include a standard mortgage 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 Lender requires, Borrower shall promptly give to L,ender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurat�ce coverage, nat 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 rnortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and I,ender. L,ender may malce proof of loss if nat made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Froperty, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoratian period, I,ender shall have the right ta hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Fraddie Msc UNIFORM INSTRUMENT � �-B�NE) (0811) page B of 15 in�t�ai •� Form 302$ 9/01 � ;� , +