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201�02529 Borrower shall 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 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 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 actions set forth above in this Section 4. Lender may require Bonower to pay a one-time charge for a reai estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existirtg 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 which Lender requires insurance. 'Phis insurance shall be maintained in the amounts (including deductibie Ievels) 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 chosea: by &rrrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exexcisecE unreasonably. Lender may require Borrower to pay, in cvnnection with this Loan, either: (a} a otse-time charge for flooci zone determination, C:e2'�I�IC�I�II �TLCI iTBCICITIg SeNYCeS; or (b) a one-time charge for �Iood zone ctetermination and certificatiQn services aa�t subsec}uent charges each time remappiags or s�milar chazcges oecur which reasonably might �ffect suci� c�eternvnation or certification. Barrawer s�iatt also be responsibie for the payment of any fces imposed by the Federal Emergency Management Agency in connection with the review of atty fiood zone detemunation resulting from an objection by Borrower. If Borrower faiis to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's ogtior� and Borrower's expense. Lender is under no obligation to purchase any particuIar type or amotznt of coverage. Therefore, such coverage shall cover Lender, but might or might not protect BQrrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or Iiability and might pmvide greater or Iesser coverage than was previously in effect. Borrower aclmovvIedges th� the co�st of the insurance coverage so obtained might significantly exceed the cost af insurance that Barrower cc>uId have obtained. Any amounts disbursect bg �,ender under this Section 5 sha11 become additionat debt of Borrower secured by this Security Instrument_ These amounts shall bear interest at the Note rate from the cFate of disbursement and shall be payabie, witiz such interest, upon notice from Lender to Bonower requesting payment. All insurance policies required by Lender and renewals of such poticies shall be subject to Lender's right to disapprove such policies, shall include a standard mortga.�e clause, an� shatt name Lender as mortgagee and/or as an additional loss payee. Lender shall have ttie ri,ght ta hoid the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender aii 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 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) cosi i1 Page 6 of 15 i��t�a : Form 3028 1/01 m ��