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20i102�� Borrower shall promptly discharge any lien which has prioriry over this Securiry Instrument unless Borrower: (a} agrees in writing to the payment of the obligation secured by the lien in a mamier 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 satisfactory to L,ender subordinating the lien to this Security Instrument. If Lender deternunes that any part of the Property is subject to a lien which can attain prioriry 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 Borrower to pay a one-time charge for a real estate t� 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, far whicl� I.ender requires insurance. This insurance shall be maintained in the amounts (including deductihle IeveIs) and far the periods that L,ender requires. What Lender requires pursuant to the preceding sent� cau change during the tenn of the Loan. The insurance carrier providing the insurance shall be chose� by Barrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exerc�t Unreasonably. Lender may require Bonower to pay, in connection with this Loan, either. (a} a one-ti,me chasge for fiood zone determination, certificat�on and tracking services; or (b) a one-time charge for fioaci zone detemunation and certification ser�ices anct subsec}uent charges each time remappings or sim�Iar changes occur which reasonably mighE affect such c�etermination ar certification. Borrower shail aiso be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any fioc� zane determination resulting from an objection by Borrower. If Borrower faiis to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lznc�r's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amonrtt of coverage. Therefore, such coverage sha11 cover Lender, but might or might not protect Borrvwer, Bcrrrower's equity in the Property, or the contents of the Property, against any risk, hazard or liahitity an4€ might provide greater or lesser coverage than was previously in effect. Borrower acknowledges tha� the cost af the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lencier under this Section 5 sha11 become additional debt of Borrower secured by this Security Instrument. These amounts shaIi bear interest at the Note rate from the date of disbursement and sha11 be payable, with sueh interesT, upon norice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of sucli polieies shatl be subject to Lender's right to disapprove such policies, shall include a standard mortga�e clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the rigE�t to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lenc�er atI receipts of paid premiums and renewal notices. If Bonower obtains any form of insurance coverage, not c�therwise required by Lender, for damage to, or destruction of, the Property, such policy shali incIude 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 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 �-6(NE) los>>� Page6of 15 Initials: Form 3028 1/01 m �� �