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2oisoi3g� C .�r/� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (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 are concluded; or (c) secures from the holder of the lien an agreement sarisfactory to Lender subordinating the lien to this Security Instrument. If I,ender deternunes that any part of the Property is subject to a lien which can attain priority over this Securiry 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 Bonower 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, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for whicfi Lender requires insurance. This insurance shall be maintained in the amounts (including deductible Ieve�s) and for the periods that Lender requires. What Lender requires pursuant to the preceding sent� a� change during the term of the Loan. The insurance carrier providing the insurance shall be chvsen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be e�ercised unreasonably. Lender may reguire Bonower to pay, in connection with this Loan, either: (a) a ose�-time charge for flood zone detennination, certification and tracking services; or (b) a one-time ci�ge for IIood zone deternrination and certif�eation services and subsequent charges each time remappings ctir s�u`Iar changes occur which reasonably nzigi�t affect such determination or certification. Borrower s�I �Iso be responsible for the payment of any fees imposeci by the Federal Emergency Manageir�t Agec�cy in eonnection with the review of any tIooci zone determinatian resutting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type ar amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Barrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability azrc� might provide greater or lesser coverage than was previously in effect. Borrower aclrnowledges that the eost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by L.ender under this Sectian 5 shall become addirionai debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Nate rate from the date of disbursement and shall be payable, with sueh interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such peiicies shall be subject to Lender's right to disapprove such policies, shaIl include a standard mortgage ciause, an� shati name Lender as mortgagee and/or as an additional loss payee. Lender shall have the righi to h+o�d the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender atI r�eigts 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 sha11 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 pcompt 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 securiry is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportuniry to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-61NE) Iosi i) Page 6 of 15 Initials: Form 3028 1/01 � � S ; . � , ��