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201101922 Borrower sha11 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 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, Bonower shall satisfy the lien or take one or more of the a�tions 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, hazards included within the term "extended coverage, " and any other hazards including, but not limited to, earthquakes and floods, for which L.ender requires insurance. This insurance shall be maintained in the amounts (including deductibfe Ieveis) and for the periods that Lender requires. What Lender requires pursuant to the preceding sen.tences can cha�ge during the term of the Loan. The insurance carrier providing the insurance sha11 be chosen by Borrower subject to Lender's right to disagprove Bonower's choice, which right shall not be e.kercis� �nreasonabiy. I.ender may require Barrower to pay, in eonnection with this Loan, either: (a) a cme tu� charge for ffood zone deternvnatian, certification and tracking services; or (b) a one-tinle charge for flood zone cleternrination and certif�catian services artd subsequent charges each time remagp�gs or simi�ar changes occur which reasonably might affect suc� determination or certification. Borrower shail aiso be responsible far the payment of any fees imposec� by the Federal Emergency Management E4gency in connection with the review of any ftood zone detern�rtatior� resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at �.en�er's option and Borrower's expense. Lender is under no obligation to purchase any particular type o� amo�mt of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bo�mwer, Sorrov�er's eguity in the Property, or the contents of the Property, against any risk, hazard or Iia�iiity anc� inight provicie greater or lesser coverage than was previously in effect. Borrower aclrnowledges tfeat the cost vf the insurance coverage so obtained might significantly exceed the cost of insurance that Borrawer cc�uid have obtained. Any amounts disbursed by Lender under this Section 5 shall become additivnal debt of Borrower 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 policies shatl be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shali name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hoTd the poticies and renewal certificates. If Lender requires, Borrower shall promptly give to Lencfer aii receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not ottferwise required by Lender, for damage to, or destruction of, the Property, such policy shall incTude a standard mortgage clause and shall name Lender as mortgagee andlor 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 (�-61NE) lost t) Page 6 of 15 Initials: Form 3028 1/01 m S�