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201100281 Borrowsr shall promptly discharge any lien which has priority aver this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptablc to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcem:ent of the lien in, legal proceedings which in L,ender's opinion operate to prevent the enforcement af the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from Che holder of the lien an agreement satisfactory to Lender subordinating tha lien to this Security Instrument. If L.ender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, L.ender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Barrower shall satisfy the lien or take one or mare of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-tinne charge for a real estate tax verificatian and/or reporting service used by Lender in connection with this I..oan. 5. Property Insurance. Boxrower shall keep the iznprovements now existing or hereafter erected on the Property insured against loss by firc, hazards included within the term "extended coverage," and any other hazards including, but nat limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amaunts (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 Laan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasanably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-tizne charge for flood zone determination, certification and tracking services; or (b) a one-time charge for tlood zone determination and certi�cation services and subsequent charges each tirne remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payrnent of any fees imposed by the Federal Emergency Managernent Agency in connection with the review of any flood zone determination resulting frorn an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender rnay obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amaunt of caverage. Therefore, such coverage shall cover Lender, but might or might not pratect Borrawer, Borrawer's equity in the Property, ar 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 might signi�cantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by I.,ender under this Section 5 sha11 become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate frorn the date of disbursement and shall be payable, with such interest, upon natice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to L.ender a11 receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall narne 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 rnay make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by I.,ender, shall be applied to restoration or repair of the Praperty, 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 to inspect such Praperty to ensure the NEBRASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT �,/�� � - B(NE) loaiil PsgeBof 15 in�e�ais: ��_��bF��1Y� Form 302$ 7/07 � ��t