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20110i522 Borrower sha11 promptly discharge any lien which has priority over ttus 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 performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceer�ings which in Lender's opinion operate to preventthe enforcement of the lien wlule those proceedings are pending, but only until such proceadings are concluded; or (c) secures from the holder of the lien an agreement sarisfactory 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. WitUin 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 on�time charge for a reat estate tax verificarion and/or reporting service used by I.ender in connection with this Loan. 5. Property �nsurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insure� against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limite� tq earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to L�der's right to disapprove Bonower' s choice, which right shall not be �ercis� unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a on�time charge for flood wne deternunarion, certification and tracldng services; or (b) a ono-time chazge for flood zane determination and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might afFect such determination or certification. Borrower shall also be responsible for the payment of any f�s imposed by the Federal Emergency Management Agency in connection with the review of any flood wne determination resulting from an obje�tion by Bortower. 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 or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower' s equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or l�ser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any aznounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security instrument. These �aounts shall bear interest at the Note rate from the date of disbursement and sba11 be payable, with such interest, upon notice from Lender to Bonower requesting payment. All insurance policies required by Lender and renewals of such policies sha11 be subject to Lender's right to disapprove such policies, shall include a standazd 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 sha11 promptly give to Lender all 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 I,ender as mortgagee and/or as an additional loss payee. in the event of loss, Bonower 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 otheiwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, s�all be applied to restorarion or repair of the Property, if the restoration or repair is economically feasible and Lender' s security is not lessened. I?uring such repair ancl restorarion period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 2200089266 D V6ANE iVEBRASKA - Singie Family - Fannie Mae/Freddle Mac UNIFORM INSTRtJM6VT WfTH MER.S �-6A(N� ioe�o) Pape 8 of 75 tr,wais: Form 3028 1/07 �