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20f101��C Borrower shall promptly discharge any lien which has priority over this Security Instnunent 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 performing 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 aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this S�urity 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 Insarance. Borrower 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 other hazards including, but not limited to, earthquakes and floods, fQr which Lender requires insurance. This insurance shall be maintained in the amounts (including deductsble �veLs) and for the periods that Lender requires. What Lender requires pursuant to the preceding sex�te�ces � change during the term of the Loan. The insurance carrier providing the insurance shall be chos�a hy Barrower subject to L,ender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone deternaination, certification and tracking services; or (b) a one-ticr�e charge for flood zone determination and certification services and subsequent chazges each time remappings or suniIar changes occur which reasonab�y �ight affect such cleterniination or certification. Borrower steat� also be responsible for the payme�t of any fees �d by the Federal Emergency Managet�t Agency in connection with the review of any YIood zone cleter�niination resulting from an objection by Borraw+er. If Borrower faiis to maintain any of the coverages described above, Lender may obtain insurance cuverage, at �r's optiota a�d Bor�wer's expense. Lender is under no obligation to purehase any particulac tyge ar au�unt of co�erage. Therefore, such coverage shatl cover Lender, but mighE or rt�ght not prcitect Borrower, Bclarawer's ec�uity in the Property, or the contents of the Property, agairist aBy ris�, hazard ar Iiability a� might provide greater or lesser coverage than was previously in effect. Borrower aclaiowledges that the cost af the insurance eoverage so obtained might significantly exceed the cost of insi�ra�ce that Borrower couid have obtained. �4ny amounts disbursed by Lender under this Section 5 shall beeome additional debt of Bonower secured by this Security Instrument. These amounts shail 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 paiicies shall be subject to Lender's right to disapprove such policies, shall include a standazd mortgage ctause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the rigF� �o ��d the policies and renewal certificates. If Lender requires, Borrower sha11 promptly give to Lender a�l receipts af paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not atherwise 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 Bonower 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 procceds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE►losii� Page6of75 �nitia�s: Form3028 1/01 � � � � i � . �.