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2ai�oo��i Borrower shall promptly discharge any lien which has priarity over this Security Instrument unless Borrower: (a) agrees in writing to the payznenC of the obligation secured by the lien in a manner acceptable to Lender, but only sa long as Borrower is perfornung such agreement; (b) cantests the lien in good faith by, or defends against enforcetnent of the lien in, legal proceedings which in Lender's opinian operate to prevent the enforcernent of the lien white those proceedings are pending, but only until such proceedings are concluded; or (c) secures frorn the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security �nstrument. If Lender deterxnines that any part of the Property is subject to a lien which can attain prionity over Chis Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 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 4. Lender may require Borrower to pay a one-time charge for a real estate tax veriflcation and/or reporting service used by L,�nder in connection with this Loan. 5. Property Insurance. Borrower shall keep the impravements now existing or hereafter erected on the Property insux'ed against loss by �ire, hazards included within the term "extended coverage," and any ather hazards including, but not limited co, earthquakes and floods, far which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible l�vels) and for the periods that Lender requires. What Lender requires pursuant to the preceding senten�ces can change during the term af the Loan. The insuraxtce carrier praviding the insurance shall be chosen by �orrawer subject to Lender's right to disappmve Barrower's choice, which right shall not be exerci.se� unreasonably. Lender may require Sorrower to pay, in connection with this Loan, either: (a) a ane-tinne charge for flood zone detemunation, certification and Cracking services; or (b) a one-time charge foc fiood zone deternuna.tion and certi�cation services and subsequent charges each time remappings or similar changes occur which reasonabIy rxright affect such determination or certi�cation. Barrower �a11 also be responsible for the payment of any fees imposecl by the Federal Emergency Management Agency in connection with the review of any fIaod zone detemunation resulting from an objection by Barrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or anwunt of coverage. Therefore, such coverage shall cover Lender, but might or rnight not protect Borrower, Borrower's equiry in the Properiy, or the contents of the Property, against any risk, hazard or Iiability at�d nnight provide greater or lesser coverage than was previously in effect. Borrower acl�owledges that the cost of the insurance caverage so obtained might signi�cantly exceed the cost of insurance that Borrawer could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additionat debt of Borrower secured by this Security Instrument. These arnounts shall bear interest at the Note rat� from the date of disUursement and shall be payable, with such interest, upon notice from T.,ender to Borrower requesting payment. AIt 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 rnortgage clause, and shall name Lender as mortgagee and/or as an additional lass payee. I.ender shall have the right to hold the policies and renewal certi�cates. If Lender requires, Borrower shall promptly give to Lender alI receipts of paid premiums and renewal notices. If Borrower obtains any fornn of insurance coverage, nat atherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall narne i.end�r as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prottapt notice to the insurance carrier and Lender. Lender may nnake proof of loss if not made promptly by Borrower. Unless T.,ender and Borrower otherwise agree in wriCing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restaratian or repair of the Property, if the restaration 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 L.ender has had an oppominity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEIYT �-61NE) �os� u Page 6 of 15 �nitia�s: Form 3028 1/01 � �� !�/