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zaloo�s2s Borrower shall pronnptly discharge any lien which has priority over this Se�urity Instrument unless Barcawer: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to L,ender, but only so long as Borrower is perforrning such agreement; (b) cantests the lien in goad faith by, or defends against enforcement of the lien in, legal proccedings which in Lender's opinion operate to prevent the enforcement af the lien while thase prncc�edin$s are pernding, but only until such proccedings are cancluded; or (c) secures from the holder of the lien an agreernent satisfactory to Lender subnz'dinating the lien ta this 5ecurity Instnunent. If Lender determixies t,hat any part of the Property is subject to a lien which can attai.n priority over this Security Instrument, Lender nnay give Bonower a notice identifying the lien. Within 10 days of the d.ate on which that notice is given, �orrower shall satisfy the lien or take ane ar more of the actions set fonh above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate ta7c verification and/or reporting service used by Lender in connection vc+ith this I.oan. 5. Property Insucance. Borrower shall keep the ixnprovements now existing or hereafter erected on the Property insured again,st loss by fire, hazards included within Che term "extended caverage, " and any other hazards including, but not limited to, �quakes and floods, for which L.ezider requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods [hat L,ender reyuires. What Lender rer,�uires pursuant to the preceding sentences can change during the term nf Che Loan. The insurance carrier providing the insurance shall be chosen by $orrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this I.oan, either: (a) a one-time charge for flood zone deter�nuiation, certification and tracking services; or (b) a one-tizne charge for flood zone determination and certification services and subsequent charges each time raamappings or sirnilaz changes oc�ur which reasonably might affect such determination or certification. Baxrawsr shall also be respa�nsible for ihe payment of any fees imposed by the Fefleral Ernergency Management Agency in conne�tion with the review af any flood zane determination resulting from an objection by Borrower. If Borrower fails to maintain any af the coverages described abave, Lender may obtain insurance coverage, at I..ender's option and Borrower's expense. Lender is under na obligation to purchase aray particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might ar znight not protect Borrovver, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might pz�ovide greater or lesser cnverage than was previously in efFect. Borrower acknowledges that the cost of the insurance coverage so obtaine�i rnight signi�cantly exce�d the cost of insurancE that Borrower could have obtained. Any amounts disbursed by L,ender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate frorn the date of disbursement and shall be payable, with such interest, upon notice from l�ender to Sorrawer 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 shall name Lender as mortgagee and/or as an additianal loss payee. I.ender shall have the right to hold the policies and �uewal certi�cates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. if Borrower obtains any form of insurance coverage, not otherwise required by I.ender, for damage to, ar destructinn af, the Praperty, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prarnpt notice to the insurance carrier and Lender. Lender may make proof of loss if nat made promptly by Borrower. Unless Lender and Bprrower ntherwise agree in writing, any insurance proceeds, whether or not the underlying insurance v�+as required by I.,ender, shall be applied to restoration ar repair of the Property, if the restaratian or repair is econannically feasible and Lender's security is noc lessened. During such repair and restoration peripd, Lender shal.l have che righc ta hold such insurance proceeds until I.ender has had an opportuz�ity ta inspect such Property to ensure the NEBRASKA - Single Family - Fannis Mne/Freddie Mnc UNI�ORM INSTRUM�NT � �-BIN�) �os� i � Paga 8 of 15 in�t�ai � f� Form 3Q28 1/07