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�411a0135 Horrower shall promptly discharge any lien which has pz7iority aver thia Security Instrument unless Boz�cower: (a) agrees in writing to tha payment of the obligation secured by the lien in a manner acceptable to T.endeir, but only so long as Borrower is performing such agrecment; (b) contests the lien in good faith by, or de�ends against enfarcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement af the lien while thase proceedings are pending, but vnly until such praceadings are concluded; or (c) secures from the holder of the lien an agreement sabisfactory to Lender subordinating the lien ta thia Security Instrument. If Lender determines that any part of the Property is subject to a lien whic}a can attain priority over this 5ecurity Insbr�,nnent, Lender may give Borrower a notice identifyin$ the lien. Within 10 days of the date on wkuch thst notice is given, Borrowcr aha11 satisfy the lien or take ane or more of the actions set forth abave in this 5ectian 4. L.ender may require Barrower to pay a ana-time charge far a real estate tax verificatinn and/ar reporting servic� used by Lender in connection witJ� this Laan. 5. Property Inenrance. Borrower shall keep the improvements now existing ar k�ereafter' erected on the Praperty insured against loss by fire, hazards included within the term "extend� covera$e," and any other hazards including, but not limited to, earthquakes and floods, fox which Lender requires insurance. 'Ckris inst�rance shall be maintained in the mnounts (inc�uding deducrible levels) and for the periods that Lender requires. What Lender areyuires pursuant to the preceding sente�ces can change during the term of the Laan. The insurance car�'ier providing the insurance shall be chosen by Harrower subject to Lender's right tu disapprove Borrovver's choice, which right shall not be �cercised unreasonably. Ler►der may require Borrower to pay, in connection witlt this Loan, either: (a) a one-time charge for flood zone determinatian„ certification and tracking services; ar (b) a on�rime charge for flood zone deterx�auination and ccrtification services and subsequent charges each time x�emappings rn' similar changea occur which reasoziably might affect such determination or cerhification. Borrower shall also be respansible for the payment of any fces impased by the Federal Emergency Management Agency in canne�tion with t11e reviaw of any flood zone determination resulting frnm an objection by Borrower. If Horrower fails to maintain any of the coverages described abave, Lender may obtain inisurance covarage, at Lender's option and Hnrrower's expense. Lender is under no obligatian to purchaso any particular type or amount of coverage. Therefore, SUC�7 COVCr�C Bt181I COVCf LeI1�P but might or might not prote�t Borrower, Borrower' s equity in the Property, or the contents af the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acl��wledges that the cost of the inswrance coverage sn nbtain� might signi�icantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Se�tion 5 sball become additional debt of Horrower seciu�ed by this Security Instcument. Thesc amounts shall bear interest at the Note rate frrnm the date of disbursement and sha11 be payable, with such interest, upon notice from L,�ndcr to �oirower requesting payment. All insurance policies required by Lender and xenewals 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 martgagee and/or as an additional loss payee. LeudBr shall have the righC to hold the policies and renewal certificates. If Lender require�s, Horrower s}�all promptly give to Lenda' all receipts of paid premiumg and renewal noticas. If Borrower obtains any farm of insurance coverage, not otherwise required by I.ender, for dannage ta, or destruction of, the Properiy, 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, Sonower shall give prompt notice to the insurance carrier and Lender. I.ender may miake proof af loas if not made promptly by Harrower. Unless Lender and SoY.rower otherwise agree in writing, any insurance proc�eds, whether or not the underlying insurance was required by L.ender, shall be applie�l to restoration or repair af the Properiy, if the restoraticm or repair is economically feasible and Lender' s security is not lessened. During such repair and restaration period, I.ender shall have the right ta hold such insia'ance praceeds until Lender has had an opportunity to inspect such Property to ensure the 2200061627 D V6ANE NESRASKA - 5fngle Family - Fannfe MaelFraddle Mac UNIFORM IMSTRUMENT WITH �-BA�NE� roaio� Pepe 8 0( � 5 in Form 9028 7/01 m