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201U09�45 Barrower shall promptly discharge any lien which has priority over this Security Instrument wnless Borrower: (a) agrees in writing to the payment of the obligatian secured by the lien in a mann�r acceptable to Lender, but only so long as Barrower is perfarnung such agreement; (b) contests the lien in good faith by, or def�nds against enforcement of the lzen in, legal proceedings which in Lender's opinion aperate to prevent the enfarceznent of the lien whila those proceedings are pending, but only until such proceedings are conclud�d; or (c) secures from the holder of the lien an agre�ment saCisfactory to Lender subordinating the lien to this Security Instrument. If I.ender deternunes that any part of the Property is subject to a lien which can attain priority over this Se�urity Instt�ument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shali satisfy the lien or take one ar more of the actions set forth abave in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the irnprovements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any ather ha�ards including, but not lirnited to, earthquakes and floods, for which I.ender requires insurance. This insurance shall be maintained in the amounts (including deductible lev�ls) and for the periods that L.ender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chasen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. l.ender may require Borrawer to pay, in conne.ction with this Loan, either: (a) a cazte-tirne charge for flaod zone determination, certi�cation and tracking services; or (b) a one-time charge fvr flood zone deterxninatian and certificatian services a�t subsequ�nt charges each time remappings ar sinnilar changes occur which reasonably migixt affect su� determination or certification. Borrower sha1l also be responsible for tt�e payment af atty fees unposed by ttie Federal Emergency Managemextt Agency in connection wittt the review of axzy floaI zone det�rm�nation resulting from an objection by Borrower. If Borrower fails to n�aint�i;n any of the coverages described above, Lender may obtain insurance coverage, at Lender's aptioxt a� Borrower's expense. Lender is under no obligation to purchase arny particulat` t}�pe or amn�nt of caverage. Therefor�, such coverage shall cover Lender, but rnight or mig6t not protect Barrower, Borcower's equity in the Property, or the contents of the Property, against an}+ risk, hazard or tiahility axid naigttt provide greater or lesser coverage than was previously in effect. $orrower acknowledges that the cast of the insurance caverage so abtained might signi�xcantly exceed the cost af insurance that Borrower could have obtained. Any arnounts disbursed by L.ender under this 5ection S shall become additional debt of Borrower secured by this Security Instrument. These arnounts shall bear interest at the Not� rate from the date of disbursennent and shall be payable, with such interest, upon notice frorn Lender to Borcower 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 staixdard rnortgage clavse, and shall tiame Lender as martgagee and/or as an additional loss payee. I.ender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give ta I.ender all receipts of paid premiums and renewal notices. If Borrower obCains any form of insurance coverage, not atherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard tnortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event af loss, Borrower shall give pro[npt notice to the insuraz�ce carrier and L.ender. Lender may make proof of loss if nat made promptly by Borrower. Unless Lender and Borrawer otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restaration or repair of the Property, if the restaration or repair is econornically 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 sueh Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) �osi i� Page 6 of 15 i��s�ais� Form 3028 7/07 � � .. . � . . . ., k