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�011�13�3 t�f/' 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 perfornring 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 enforcernent of the lien wlule those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactQry to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Praperty 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. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazazds included within the term "extended coverage," and any other hazards including, but not 1'united 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 ser�t�ces 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 eaercised unreasonabIy. Lender may require Bonower to pay, in connection with this Loan, either: (a) a one-time chazge for flood zone determuiation, certification and tracking services; or (b) a one-time cl�xarge for flood zone deternunation and certification services and subsequent charges each time remaggi�zgs or similar chatcges occur which reasonably might affect such determinacic>n or certification. Borrower s�ati also be responsibie for the payment of any fe,� impas�:d by the Feciera� Emergency Managein� Agency in ca�ction with the review vf �ny II�d �o�e det�a�a resuiting from an objection by Eorrc�wer. If &xrrower fails w mai�taiu aay of tbe coverages descri�i above, I.ender may obtain insvrance cavera�e, � I.e�eder's optia�n ��c�o��rer's expense. Lender is under no obIigation to purc��ase any parti� typ�e or amourn of cove�age. T�eiefere, s�c,h coverage shatl cover Lender, but mighi ar might not prc�tect �orrawer, Borror�re�'s e.c�u�g in �►e Property, or the contents of the Property, against �r risY, hazard or Iiabi�ity aad mig�tt pro�i�e greater or lesser coverage than was previously in effect. Bc�rrower acknovvlectges that the ccrst af the i�uzauce coverage so obtained might significantly exc,�ci the cast of insurance that Bonower could have abtained. Any arnounts disbursed by L,ender under this 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 Borrower 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 c�a�se, 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 Lencfi� all �:ceipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, �vt 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 Borrower otherwise agree in writing, any insurance proc,eeds, whether or not the underlying insurance was required by Lender, sha11 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 - Singie Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-61NE) Ios�tl Page 6 of 15 Initials: F01'ttl 3028 1/01 � S Y i