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�oiioo�s� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writzn�; to the payment of the obli�ation secured by the lien in a rnanner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends a�ainst enforcement of the lien in, legal proceedings which in Lender' s opinion operate to prevent the enforcernent of the 1i�n while thosc proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender snbordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security lnstrument, Lender may give �3orrower a notice identifying the lien. Within ] 0 days of the date on which that natice is given, Borrower shall satisfy the lien or take one or rnore of the actiona set forth above in this Section 4. Lender may require Borrow�r to pay a one-time charge for a real estate tax veri�cation andJor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured a�;ainst loss by �re, hazards ia�cluded within the term "extended coverage," and any other hazards including, but not limited to, eardlquakes and floods, for which l.sender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender reguires. What S.ender requires pursuani to the preceding sentences can change during the term pf the Loan. Thc insurance carrier providing the insurance shall be chosen by Borrower subject to Lender' S right to disapprave Borrower's choice, which right shall not be exercised unreasonably. Lender may require I3orrower to pay, in cannection with this Loan, either: (a) a one-time charge far ilood zone determination, certifica�ion and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar change� occur which reasonably might affect such determination or certification. 13orrower shall alsa be responsihlc for the payment of any fees imposed by the Federal �mergency Management Agency in connection with Che review of any flood zone determination r�sulting from an objection by Barrower. If Sarrower fails tc� maintain any of the covera�es described above, Lender may obtain insurance coverage, at Lender' s optian and Borrower' s expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such cov�rage shall cover Lender, but might or xnigl�t not. protect Borrower, Borrower' s equity in the Property, or the contents of the Property, abainst 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 caverage so obtain�d might signilicantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall became additional debt af Borrower secured by tl�is Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice frarn Lender to Borrower requesting payment. All insurance policiss required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such palicies, shall include a standard mortgage clause, and sha11 name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewa] certificates. If Lender requires, Sorrower 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 Lender, for damage to, or destructipn of, the Property, such policy shall include a standazd mortgage clause axad shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unletis Lender and Borrower otherwise agree in writing, any in;;urance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically 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 tp inspect such Property to ensure the 231030 NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFOi2M INSTRUMENT �-6�NE) �oaii> Pege6 of 15 ini i Form 3028 1/01 a � �