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�01iQ03�4 Barrower shall pramptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligatian secured by the lien in a tnamier acceptable to I.ender, but anly so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement af 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 uxttil such proceedings are concluded; or (c) secures from the holder of the lien an agreernent satisfactory to L,ender subordinating the lien to this Security Instrument. If Lender detercnines that any part of the Pz'opeRy is subjecC to a lien which can attain priority over this Security Instrument, Lender rnay give Borrower a notice identifying the lien. Within 10 days af the date on which that notice is given, Borrower shall saCisfy the lien or take one or more of the actions set forth abave in this Section 4. Lender may require Borrower to pay a one�time charge for a real estate tax veri�cation and/or reporting s�rvic� used by I,ender in connection with this Loan. 5. Praperty 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 ta, earthquakes and flaods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods khat Lender requires. What T.ender 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 eaercised unreasonably. Lender may require Barrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determinakion, certification and tracking services; or (b) a one-time charge for flood zone determination and certi�caticrn set'vices and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determinatian or certi�cation. Borrow�r shall also be respnnsible for the payrnent of any fees irnposeet by the Federal Emergency Management Agency in connection with the review af any flood zone deterrnination resulting frorn an objection by Borrower. If Borrower faiIs to maintain any of the caverages described above, Lender may obtain insurance coverage, at Lender's option and Barrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover T..,ender, but mighC or might not protecc Borrower, $orrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability at�d might pravide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost af the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section S shall becorne additional debt of Borrower secured by this Secur,ity Instrument. These amounts shall beaz interest at the Note rate fram the date of disbursernent and shall be payable, with such interesC, upon notice from Lender to $orrower requesting payrnent. All insurance policies required by Lender and renewals af such policies shall be subject ta L.ender's right to disapprove such policies, shall include a standard rnortgage clause, and shall name L.ender as mortgagee and/or as an additional loss payee. T.ender shall have the right to hold the palicies and renewal certificates. If Lender requires, Borrower sha11 pramptly give to I.ender all receipts of paid premiwns and renewal notices. If Borrawer obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy sha�l include a standard mortgage clause and shall name Lender as mortgagee and/or as an additianal loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may malce proof af 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 Lender, shall be applied to restoration ar r�pair af the Property, if the restoration or repair is economically feasible and i.ender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until I,ender has had an oppoz�tunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6�NE) (os� �) Page 6 of 15 i��c�ai •� Form 3028 1/01 � � ��. . .