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2011aQ�� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligaCion secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreem.ent; (b) contests the lien in good faith by, or defends against enforcernent of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcernent of the lien while those proceedings are pending, but anly until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating 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 Instrument, L.cnder may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower sha11 satisfy the lien or take one or more of the actions set forth above in this Section 4. L.ender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this I,oan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "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 Por the periods that L.ender requires. What I.ender requires pursuant to the preceding sentences can change during the term of the L,oan. The insurance carrier providing the insurance sha11 be chasen by Borrower subject to Lender's right to disapprove Borcower's choice, which right shall not be �xercised unreasonably. Lender rnay require Borrower Co pay, in connection with this Loan, either: (a) a one-time charge for flood zone deter�nination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determinatian or certification. Borrower shall also be responsible for Che payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone deterimination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, L.ender may abtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Barrower's equity in the Property, or the contents 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 mi�ht significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Tnstrument. These amoants shall bear interest at the Note rate from the date of disbursement and sh�ll be payable, with such interest, upon notice from I,ender to Borrower requesting payment. All insurance policies required by L,ender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and 5�arr narne Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hald the policies and renewal certificates. If Lender requires, Borrower shall promptly give to T..ender all receipts of paid premiums and renewal notices. If Borrower obtains any farm of insurance coverage, not oCherwise required by I.ender, 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 payee. In the event af loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by $orrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether ar 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 periad, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Praperty to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Q �`�� --B�NE) 1osi i 1 Page 6 of 15 Initials: � Form 3028 1/01 �