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20110291� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Bonower: (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 proc,eedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings aze 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. Lender may require Bonower 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 Insarance. 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 Lender requires insurance. This insurance shall be maintained in the arnounts (including deducrible Ieveis} and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can cT�ange during the term of the Loan. The insurance carrier providing the insurance shall be chc�sen by Borrower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised iuueasonabty. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-rime charge for Ylood zone determination, certifcation and tracking services; or (b) a one-time eharge for fioat zane determination and certificatien services and subsequent charges eacfl time re�pgnsgs or simi}az ehac�ges occur which reasonably might affect such determination or certification. Borrower shait atsa be responsible for the payment af any fees imposed by the Federal Emergency Management Agency in cannection with the review of any tIc�od zt>ne determination resulting from an objection by Borrower. If Bonower faifs to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obIigatian to purchase any particular type or aznount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or Tiabitity and might provide greater or lesser coverage than was previausly in effect. Borrower acknowiedges that the cost of the insurance coverage so obtainec� might significar�tly excced the cost of insurance that Borrower could have obtained. Any amounts disbursed by I.ender under this Se.ction 5 shall become additional debrt of Borrower securect by this Security Instrument. These amounts shali bear interest at the Note rate fram the date of disbursement and shall be payable, with such interest, upon notice from Lender to Barrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Bonower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, nat otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall iriciude a standard mortgage clause and shalf 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(NE11osi�) Page6of15 Initials:�� Form3028 1/01 �