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2011Q0204 Borrower shall promptly disr.harge any lien which has priority over this Security Instrument uriless Bc�rrc�wer: (a) agrees in writing to lhe paymenk af the obligation secured by lhe lien in a manner acceptable to Lender, but only so lang as Borrower is performing such agreement; (b) contests the lien in good f'aith by, Ur defends against enforcemen[ af the lien in, legal proceedings which in I.ender's opinion operate to prevent the entorcement af the lien while those proceedings are pending, l�ut anly until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfaclory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part t�f the Praperty is subject to a lien which can aktain pric�rity over this 3ecurity Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days af the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the acticans set forth above in this Sectican 4. I.,R:nder may require Borrower to pay a one-kime charge for a real estate tax verification and/or rep�rting service used by I.ender in c:c�nnectian with this Loan. 5. 1'roperty Insurance. Sorrower shall keep th� improvements now existing or hereafter ercctcd Un the Property insured againsi l�ss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which I..ender rcyuires insurance. 11iis insurance shall be maintained in the amounts (including deductible levels) and fnr the periods that Lender requires. What Lender requires pursuant to the preceding sentcnccs c:an change during the term of the L.oan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disappr�ave Borrower's choice, which right shall not bs exercised unreasonably. Lender may require Borrower to pay, in connection with this T,oan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge far flaod zone determination and certification serviccs and subsequent charges each tirne remappings or similar changes accur which reasanably might affect such dctGrmination ar certification. 13orrower shall also be respc�nsible fc�r th� payment of any fees imposed by Ch� Federal Emergency Management Agency in cozu�cction wi[h thu review of any tlood zone dGtr:rminatian resulting from an objection by 13orrower. If Borrower fails to maintain any of the coverages described above, I,ender may obtain insurance coveragc:, at L.�nder's option and 13orrower's expense. I,cndcr is under no obligation to purchase any particular type or amount of coverage. Therc:fore, such caverage shall caver L.ender, but might or might nUt pratect Borrower, Borrower's equity in the Property, or lh�: cant�nts of the Property, against any risk, hazard ar liability and might provide greater or lesser coverage than was previausly in effect. Borrower acknowlcdges that khe cost of the insurance coverage so obtained might significantly excsed the cast af insurance that Borrower could have obtained. Any amounts disbursed by L.ender under lhis Section S shall become additional debt af Borrower secured by this Security Instrument. 'l�ese amounts shall bear interest at the Note rate from thc: date of disbursement and shall be payable, with such interest, upon notice from T.ender to Borrower r�yuesting payment. All insurance policies required by Lender and renewals of such policics shall b� subject to Lender's right to disapprove such policies, shall include a standard mc�rtgagc clause, and shall name Lender as mortgagee and/or as an additic�nal lc�ss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requirc:s, Borraw�r shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower c�btains any form of insurance coverage, not otherwise required by Lender, for damage to, or deslructian of, the Property, such policy shall include a standard mortgage clause and shall name L.ender as mortgagc:e and/�r as an additianal lass payee. In the event of loss, Borrower shall give prornpt nntice ta the insurance carrier and L.ender. Lender may make proof of loss if nc>t madr; pramptly by Borrnwer. Unless L.ender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, 5na11 be applied tc� restoration or repair of the Property, if the restoration or repair is economically feasible and I.endc:r's secur'rty is not lessened. lluring such repair and restoration period, Lender shall have thc right lo hold such insurance proceeds until Lender has had an opportunity to inspect such Properly tc� cnsurc lhc N�BRA5KA - Single Family - Fannie MaelFreddis Mac UNIFQRM INSTRUMENT �-6�NE) 108111 Page6af �6 Initials: �� Form 3Q28 �/�7