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201i0273� 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 I.ender'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, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. L.ender may require Borrower to pay a one-tirne 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 fiooc�s, fos whieh L,�nder requires insurance. T'his insurance shall be maintained in the amounts (including ded�ctibFe Ieveis) and for the periods that Lender requires. What L.ender requires pursuant to the preceding sente�ces can change during the term of the Loan. The insurance carrier providing the insurance shall be ch�n by Bc�rrower subject to Lender's right to disagprove Borrower's choice, which right shall not be exercisec� ux�reasonably. Lender may require Borrower to pay, in connection with this Loan, either. (a} a c� Eir� c�harge for flood zone determination, certification aud traeking services; or (b) a orce-tisne c�aege for fioat zone determination and certif�catic�n sen�i� and subsequent charges each time rernappings o�r simiiar changes occur which reasonably a�ighT affect such deternunation or certification. Borrower shaii aiso be responsible far tfie payment of a�sy f� i�sed hy the Federal Emergency Managerr� Ag�y in connection with the review of any IIood zane dete�rniination resulting from an objection by Borrower. If Borrower faiis ta maintain any of the coverages described above, L.ender may abtain insurance coverage, at �der's option anci Borrower's expense. Lender is under no obligation to purchase any particutar type or amount of eoverage. Therefore, such coverage shall cover Lender, but might or might not protect Bcnrav�er, Borrower's equity in the Properiy, or the contents of the Property, against any risk, hazard or liabiiity ��hi pro�vide greater or lesser coverage than vvas previously in effect. Borrower aclmov�ledges that the c.c�sE of the insurance coverage so obtained might significantFy exceed the cosE of insurance t.hat Borrawer ecxrld have obtained. Any amounts disbursec� by Lenc#er under this Section 5 shaii become ac�dirional debt of Bc�rrower secured by this Security Instr�unent. 'Fhese ainounts shalI bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesring payment. All insurance policies required by Lender and renewals of such policies shalT be subject to Lender's right to disapprove such policies, shall include a standard mortgage elause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hQld the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender alt receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not atherwise 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 I,ender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until L,ender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-61NE) losi i� Page 6 of 15 �nitials:C�� Form 3028 1/01 �