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201100489 Borrower shall pronnptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrawer is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in I.ender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory ta Lender subordinating the lien to this Security Instrument. If Lender determines 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, Borrawer shall satisfy the lien or take one ar more of the actions set forth abova in this Section 4. L,�nder may require Borrower to pay a one-tirne charge for a real estate tax verification and/or reporting service used by I_.ender in connection with this Loan. 5. Property Insurance. Borcower shall keep the improvernents 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 floods, for which Lender requires insurance. Tlais insurance shall be maintained in the arnounts (including deductible levels) and for the periods that L,Qnder requires. What I.ender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Barrower subject to Lender's right to disapprove Borrower's choice, which right Sr�arr not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-tizne charge far flood zone determination, certification and tracking services; or (b) a one-tirne charge for flood zone determination and certi�cation services and subsequent charges each time remappings or sirnilar changes occur which reasonably might affect such determination or certi�cation. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connectian with the review of any flood zone determination resulting from an objsction by Borrower. If Borrower fails to maintain any of the coverages described above, Lender rnay obtain insurance coverage, at I,ender's optian and Borrower's expense. Lender is under na obligation to purchase any particular type or amount of caverage. Therefore, such coverage sha11 cover iJender, but might or might not protect Borrower, Borrower's equity in the Praperty, or the contents of the Property, against any risk, hazard or liability and rnight provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage sa obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursernent and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies rcquired by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies sn�rr include a standard mortgage clause, and shall name L.ender as mortgagee and/or as an additional loss payee. L.ender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower sha11 promptly give to L,Qnder all receipts of paid premiums and renewal notices. If Borrower obtains any form af insurance coverage, not otherwise required by Lender, for damage to, or destructian of, the Property, such palicy shall include a standard mortgage clause and shall name 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 I.ender. Lender may make proof of loss if not rnade prornptly by Borrower. Unless Lender and Borarower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by L.ender, shall be applied to restoration or repair af the Property, 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 hald such insurance proceeds uantil L.ender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT � �-61NE) 108� � 1 Page 6 ot t 6 Initials: � � �orm 3028 9l01 �