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�osiooi7� Borrower shall prornptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a znanner acceptable to I.,ender, but only so long as Borrower is perfarming such agreement; (b) contests the lien in good faith by, or defends against enforceznent of the lien in, legal proceedings which in I..ender's opinion 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 satisfaccory to Lender subordinating the lien to this Security Instrument. If Lender deterniines that any parc of the Property is subject to a lien which can attain priority over this Security Instzvment, I.ender may give Borrower a notice identifying Che lien. Within 10 days of the date on which thac notice is given, Borrower shall satisfy the lien or take one ar mare of the actions set forth above in this Section 4. T.ender may require Barrower ta pay a one-time charge far a real estate tax veri�cation and/or reporting service used by L.ender in connection with th�s T..oan. 5. Property Insurance. Borrower shall keep the itnprovements naw existing or hereafter erected on tha Property insured against loss by fire, hazards included within the terrn "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 periods 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 shall be chosen by $orrower subject to Lender's right to disapprove Sorrower's choice, which right shaIl not be exercis� unreasonabIy. L.ender may require Sarrower to pay, in connection with this T.oan, either: (a) a one-time charge for flood zone determination, certi�cation and tracking services; or (b) a one-tune charge for flood zone determinatian and certification services and subsequent charges each time remappings or similar changes occur which reasonabTy might affect such detern'unatian or certi�cation. Barrower shall also be responsible for the payment of any fees imposed by the Federal Etnergency Management Agency in cannection with khe review of any flood zone determination resulting frazn an objection by Barrower. If Borrower fails to maintain az�y of the coverages described above, L.ender may obtain insurance coverage, at I,ender's option and Borrower's expense. L,ender is under no abligation ta purchase any particular Cype or amount of coverage. Therefore, such coverage shall cover Lender, but might or rnight nat protect Borrower, Borrower's equity in the Property, or the contenCs of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost af insurance that Borxower could have obtained. Any amounts disbursed by Lender under this Section 5 shall beconne additional debt of Bonawer secured by this Security Instrument. These amounts shall bear interest at tbe Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies require�i by Lender and renewals of such policies shall be subject to T.ender's right to disapprove such policies, shall include a standard mortgage clause, and shall name l,ender as mortgagee and/or as an additional loss payee. T.ender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premium�s and renewal notices. If Borrower abCains any form of insuarance coverage, not otherwise required by Lender, for damage to, ar destrucCion of, the Property, such policy shall include a standard mortgage clause and shall nama Lender as martgagee and/or as an additional loss payee. In the event of toss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not rnade prornptly by Borrower. Unless Lender and Bonower 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 Property, if the restaration or repair is ecanomically feasible and L,ender's securiCy is not lessened. During such repair and restoratian periad, Lender shall have the right to hold such insuz'ance proceeds until L.ender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie 11Aac UNIFORM INSTRUMENT �-6�NE) los�t) Page6of 15 miciais: �'� Form 3028 9/01 � � �