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�0�102�� Bonower 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 L.ender, 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 I.ender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but onty until such proceedings aze 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, 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, for vvhich Lender requires insurance. This insurance sha11 be maintained in the amounts (including deduct�bie Ieveis) and for the periods that Lender requires. What Lender requires pursuant to the preceding senterices can change during the term of the Loan. The insurance carrier providing the insurance sha11 be chc�sen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be eaerci,sett unreasonably. Lender may require Bonower to pay, in connection with this Loan, either: (a) a o�e-ti� charge for flood zone determinarion, certifcarion and tracking services; or (b) a one-time c�targe for ffood zone determination and certifcatian services and subseyuent charges each time remappings ar simsiar changes occur which reasonably might affect such determinarion or certification. Borrower shatl also be responsibie for the payment of any fees impc>sed by the Federal Emergency Management Agency in connection with the review of any fiood zarie determination resulting from an objection by Borrower. If Barrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lznder's optian and Borrower's expense. Lender is under no obligation to purchase any particular type or amount af coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrawer, Barrower's equity in the Property, or the contents of the Property, against any risk, hazard or liabiiity anai might prc�vide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cast of the insurance coverage so obtained might significantly exceect the cost of insurance that Borrower cauId have obtained. Any amounts disbursed by Lender under this Section 5 sha11 become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the ctate 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 poticies shall Be subject to Lender's right ta disapprove such policies, shall include a standard mortgage etause, and shall name L,ender as mortgagee and/or as an additional loss payee. Lender shall have the right to hal� the policies and renewal certifcates. If Lender requires, Borrower shall promptly give to Lender aIl receipts af 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 standazd 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) losi t1 Page 6 of 15 Initials: Form 3028 1/01 m