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�oiioo3i4 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment af the obligation secured by the lien in a rnanner acceptable to Lender, but only so long as Borrower is perfornung such agreemant; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings axe concluded; ot' (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instnunent. If L.ender deternunes that any part of the Property is subject to a lien which can attain priarity over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 1Q days of the 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 �l. Lender may require Borrower to pay a one-time charge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Tnsurance. 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 flaods, for which I..ender requires insurance. This insurance shall be maintained in the amaunts (including deductible lerrels) and for the periods that T.�ndar requires. What Lender requires pursuant to the preceding sentences r.an change during the term of the Loan. 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 uxureasonably. L.ender may require �orrawer to pay, in connection with this Loan, either: (a) a one-tirne chax'ge for flpOd zone detern�ixiation, certi�catian and tracking services; or (b) a one-time chazge for flood zone deternni nation and certi�tcation services and subsequ�nt charges each time remappings or similar changes occur which reasonably might affect such deternunation or certi�cation. Borrower sha,ll also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any fiood zone deternunation resulting from an objectian by Borrower. Tf Borrower faiIs to maintain any of the coverages described above, Lendez' z'nay abtain insurance coverage, at I.ender's vption and Borrower's expense. Lender is under no obligation to purchase any particular type or aznount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrvwer, $orrower's equity in the Property, or the cantents of the Property, against any risk, hazard or IiabiIity and might provide greater or lesser caverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cast of insurance that Barrower could have obtained. Any arnounts disbursed by Lender under this Section S shall became additionat debt of Borrower secured by this Security Instrument. These amounts shall bear ir�Cerest at the Note rate frorn the date of disbursement and shall be payable, with such interest, upon notice from L,ender to Borrawer zequesting paynr►ent. All insttt'ance policies required by Lender and renewals af such policies shall be subject to Lender's right to disapprove such policies, shall include a standaxd mortgage clause, and shall name Lender as moRgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. Tf L,ender requires, Borrower shall promptly give ta L.ender all receipts of paid premiums and renewal notices. Tf 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 name Lender as rnortgagee and/ar as an additional loss payee. In Che event of loss, Borrower shall give prompt notice to the insurance carrier and L.ender. Lender may make proof of loss if not made prompt�y by Borrower. Unless I.ender and Borrower otherwise agree in writing, any insurance proceeds, whether or nat che underlying insurance was require�i by Lender, shall be applied to restoration or repair of the Property, if the restoratioan or repair is economically feasible and L.enider's security is not lessened. During such repair and resCoration period, Lender shall have the right to hald such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBIiASKA - Single Family - Fannie MaelFreddie Mac UNIFORM INSTRUMENT �-6�NE) losi �1 Page 8 af 15 i��t�eis: Form 3028 1/01 � � � ��