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2oioo�7s5 Borrower shall promptly discharge any lien which has priority aver this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so lang as Borrower is perfprming such agreement; (b) contests the lien in good faith by, or defends a�ainst enforcement of the lien in, legal proceedin�s which in Lender's apinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satist'actory to Lender subordinating the lien to tlais Security Instrument. If Lender determines that any part of the Froperty is subject to a lien which can attain priprity over this Security Instrument, Lender rzaay �ive Borrower a natice identifying the lien. Within 10 days of the date on which that notice is given, Barrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender tzaay require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insar'ance. 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 lixnited to, earthquakes and floods, for which Lender requires insurance. This insurance sha11 be maintained in the amounts (includin� deductible levels) and for the periods that I.,ender requires. What Lender requires pursuant to the precedin�; sentences can change during the term of th� Loan. The insurance carrier praviding the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower' s choice, which right shall npt be exercised unreasonably. Lender may require Borrower 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 determination and certi�cation services and subsequent cliarges each time remappings or similar changes occur which reasonahly might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management A��ncy 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 may obtain insurance coverage, at Lender' s option and Barrower' s expense. Lender is under nn obligation to purchase any particular type or amount of caverage. Therefore, such coverage shall cover Lender, but might or mi�ht not protect Borrower, Borrower's aquity in the Property, or the cantents of the Property, against any risk, hazard ar liability and might provide �reater or lesser coverage than was previously in effect. Borrawer acknowledges that the cost of the insurance coverage so obtained mi�ht significantly exceed the cost of insuraz�ce that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt af Borrower secured by this Security Instrument. Th�se arnounts shal1 bear interest at the Note rate from the date of disbursement and shail be payable, with such interest, upon notice from Lender to Borrower requestin� 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 naxne Lender as mortgagee andJor as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Bprrower shal] promptly give to Lender all receipts of paid preziaiums and renewal notices. If Borrower obtains any form of insurax�ce caverage, not otherwise required by I.ender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall narne Lender as mortgagee and/or a,s an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender nriay make proof oF loss if not made proxnptly by Borrower. Unless Lender and Borrower otherwise a�ree in writing, any insurance proceeds, whether or not the underlyin� insurance was required by Lender, shall be applied to restoration or repair of the ,Prpperty, if the restoration or reparr is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the z3lazo NEBRASKA - Single �amily - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-B(NE) (0811) Page6 of 15 Initials: Fof111 3028 1/01 � ��