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201100832 Borrower shall promptly dischazge 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 proceedings 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 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, 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 and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower 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 ather hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. 'This insurance shall be maintained in the amounts (including deductihie IeveIs) and for the periods that Lender requires. What Lender requires pursuant to the preceding seSter�ces eau 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 eaercised unreasanably. Lender may require Bonower to pay, in connection with this Loan, either: (a) a oite-time charge for ftood zone detemunation, certification and tracking services; or (b) a one-time charge for fic�od zone deternunation and certifcation services and subsequent charges each time remappings or similar changes occur which reasonabiy might affect such determination or certification. Bonower shall also be respansible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any �Iood wne detemunarion resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, L,ender may obtain insurance coverage, ac Lenc�er's option and Borrawer's expense. Lender is under no obligation to purchase any particular type or airiavnt af coverage. Therefore, such coverage shall cover Lender, but might or might not protect �onower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or TiabiIity and might prc2vide greater or lesser coverage than was previously in effect. Bonower acknowIedges that the cost af the insurance coverage so obtained might signif cantly exceed the cost of insurance that Bormwer could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addirional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such po�ieies 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 ai� reeeipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, nat 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 shall 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 �-6(NE) coai i� Page 6 of 15 Initia�s: � Form 3028 1/01 �