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2 oi�oo�� Borrower shall promptly drscharge any lien which has priority over this Security instrument unless Borrower: (a) agrees in wrrtrng to the payment of the obligation secured by the Hen in a manner acceptable to Lender, but only sa long as Borrawer is perforcning such agreement; (b) contests the lien in good faith by, or defends against �nforcernent of the lien rn, legal proceedings whrch in Lender's oprnion operate to prevent the enforcement of the lien whrle those proccedings are pending, but o.rily until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lren to this Security Instrurnent. if L,ende.r determines that any part of the Properiy is subject to a lie�a which can attain priority over this Security lnstrument, Lender may give Borrower a notice identifying the lien. Within 10 days of tlae date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section �. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in cannection with this Loan. 5. Property Insurance. Borrower shall keep the rmprovernents now existing or hereafter erected on the Property insured against loss by fira, hazards rncluded within the term "extende�i 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 f�r the period,� that Lender requires. What Lender requires pursuant to the preceding sentences can cbange during the term of the Loan. The insurance caz providing the insurance shall be choset► by Borrawer subject ta Lender's right to disapprove Borrower's chaice, which right shall not be exercised unreasonably. Lender' rnay require Borrower to pay, in connection with this Loan, erther: (a) a one-time charge for flood zone deterinination, certification and tracking services; or (b) a on�tirne charge for flpod wne determinatron and certification services and subsequent chargas each tirne remapprngs or similar changes occur which reasonably might affect such determination or certification. Borrower shall alsa be responsible fpr the payment of any fees imposed by the Federal Em�rgency Management Agency in conne�tion vvith the review of any flood zone determination resulting from an obje�tion by Sorrower. If Sorrower fails to maintain any of the coverages described above, Lender may obtain ins�rance coverage, at C.,ender' s option and Sorrower' s expense. Lender is under no obligation to purchase any particular type or amomat of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower' s equity in the Property, or tha contents of the Properiy, 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 rnight significantly excee� the cast of rnsurance that E3orrower could have obtained. Any amounts disbursed by Lender undcr this Se�tion 5 shall become additional debt of Borrawer secured by this Security lnstrument. These amounts shall bear interest at the Note rate from the date af drsbursement and shall be payable, with such interest, upon notice from Lender to Borrower requestrng payment. All insurance policies required by Lender and renewals of such policies shall be subje�t to Lender's right to disapprove such policres, shall include a standard mortgage clause, and shall name Lender as mortgagee artd/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Leinder requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. lf Borrower obtains any form of insurance coverage, not othervc�ise raquired by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payea. lu the event of loss, Bonower shall give prompt natice to ihe insurance carricr and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Barrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance vvas required by Lender, shall be applied to restoration or repair of the Property, if the restnration or repair rs economically feasible and Lender's security is nat 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 2200094632 D V6ANE NEBRASKA - Single Family - Fannle Mae/Freddle Mac UNIFQRM INSI'RUMENT WNT �-6A(N� loa�ol Paga 8 of 15 �nitie�s: Form 3028 1/01 � �