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201100479 Borrower shall promptly dischazge any lien which has prioxity over this Security Instrument unless $orrower: (a) agrees in writing to the payment of the obligation secured by the lien in a maruler acceptable to Lender, but anly so long as Borrower is performing such agreement; (b) canCests 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 anly until such proceedings are concluded; ar (c) secures frorn the holder of the lien an agreement satisfactory ta Lender subordinating the lien to this Security Instrument. If Lender deternunes that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrowex shall satisfy the lien or take one or more of the actions set forth above in this Section 4. 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 L.oan. 5. Praperty Insurance. Borrower sha11 keep the improvements now existing or hereafter erected on the Properry insr.rred against loss by fire, hazards included within the term "extended coverage, " and any other hazards including, but not limited to, earthquakes and floads, for which L.ender requires insurance. This insurance shall be maintained in the arnounts (including dectuctible Ievels) and for the periods that Lender requires. What Lender requires pursuant to the preceding ser�tetace.s can change during the term of the Loan. The insurance carrier providing the insurance shall be chosett by �orrower subject to L.ender's right to disapprove Borrower's choice, which right shall not b�e exercised unreasonably. L.ender may require Bonower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone detemunation, certi�cation and tracking services; or (b) a one-tix� charge for flood zone detemunation and certification services and subseqwent charges each time remappings ar similar changes occur which reasonably might affect such determination or certification. Bo� sl�aIl also be responsible for the payment of any fees 'rmposed by the Federal Erx�ergency Managemeitt Agency in connection with the review of any fTooci zo� dete�cnanation xesulting from an objection by B�orrower. If Horrower fails to rnaintain any of the coverages described above, I.ender may obtain insurance coverage, at Lender's option and Borrawer's expense. Lender is under no obligatian to purehase any partic�Iar type or amount af caverage. Tfz7erefore, such coverage shall cover Lender, but might or mig.ht not protect Borrower, Borrower's e:q�ity in the Property, or the contents of the Property, against any risk, hazard vr liability and might provide greater or lesser coverage than was previously in effect. Borrower aclrnowledges thar the cost of the insur�tnce coverage so obtained znight signi�cantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender uzider this Section S shall b�come additional d�bt of Borrower secured by this Security Instrurnent. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such irnerest, upon notice farom . Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subje�t to Lender's right to disapprove such palicies, shall include a standard mortgage clause, and shall name L.ender as mortgage.� and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall pramptly give to L,st�der aII receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by I.ender, for damage to, or destruction of, the Property, such policy shall include a standaxd mortgage clause and sha11 name l,ender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower sk�all give prompt notice to the insurance carrier and Lender. Lender tnay make proof of loss if not znade protraptly by Borrower. Unless I.ender and Borrower atherwise 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 Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restaration period, Lender shall have the right ta hold such insurance proceeds until Lender has had an oppartunity to inspect such Property to ensure the NEBRASKA -$ingls Family - Fannie Maa/Freddie Mac UNIFORM INSTRUMENT �-B�NE) 108>>1 Page 8 of 15 Initials: � Form 3028 9/07 � � .