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�01100580 Borrower shall promptly 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 Borrower is perfornung such agreement; (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 proccedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to 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, 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 verification andlor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the tern► "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductibie Ievels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentenees can 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 unreasonably. Lender may require Borrower to pay, in connecrion with this Loan, either: (a) a one-time charge for flood zone deternunarion, certification and tracking services; or (b) a one-time cFsarge for flood zone deternunation and certification services and subsequent charges each time remappiags or similar changes occur which reasonably rnight affect such determination or certification. Borrower �1 also be responsible for the paymesst af any fees imposet� by the Federai Emergency Manage�nt Agency in connection with tt� review of any flood zone deternunation resutting from an objection by Harrower. if Borrrower faiis to maintain any of the coverages described abave, Lender may obtain insurance cover�ge, at Le�er's optian anci. Bo�awer's expense. Lender is under no obligation to purchase any parti��iar type ar a�t of c.o�erage. 'Pherefore, such coverage shall cover Lender, but might or might n�t protect Bormvrer, Borrvwer's ec�Zity in t�e Froperty, or the contents of the Property, against any risk, hazarc� or Ifabiiity � might pmvide greater or lesser coverage than was previously in effect. Borrower a�knowledges that �e cost of the insnra�e coverage so obtained might significantly exceed the cosi of insurance that Borrower cauid have obtai�d. Any amounts disbursed by Lender under tlus Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall beaz interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payment. All 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 mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender alt receipts of paid premiums and renewal notices. If 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 mortgagee and/or as an additional loss payee. In the event of loss, Borrower sha11 give prompt notice to the insurance carrier and Lender. Lender may make proof of 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 or repair of 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 hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6lNE) (o8t t! Page s of t5 tnicials: � Form 3028 1/O1 � � .- -- �_-� � _� :... ------ _ r :: ,