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20110301� Borrower sha11 promptly dischazge any lien which has priority over this S�urity 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 proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only unril 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 determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Bonower a notice identifying the lien. R/ithin 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 verificarian and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now elcisting or hereafter erected on the Property insured against loss by fire, hazards included within tiie term "extended coverage," and any ather hazards including, but not limit� to, earthquakes and floods, for vuhich I.ender requires insucance. This iasUrance shall be maintained 'm the amounts (includiag ctec�uctt'bYe Ievels} aud for the periais tfiat �nder requires. What Lender requires pursuant to the preced.ing sentences can. chauge during the tern� of tfie Loan. The insuran�e carrier providing the insurance shall be c�aseu by �rrower subject to Lender's right to disapprove Bonower's choice, which right sha1l not be exercised unreasonabty. Lender may requiFe Barrower to pay, in connection with ttris Loan, eithe�r: (a} a one time charge for fIood zo� cteter�aation, certification �d tracldng services; or (b) a o�e-t�e c�iaYge for flood zone deternunation anc� certificatia�a services azcd sul�sequeat charges each time remaggiIIgs ar similar changes occur which reasonabiy �g1st affect such determination or certiftc�tion. Borrov�er shall aiso be responsible for the paymeac of any fees imposed by the Federal Emergency MaIIagement Agency i� connection witb tfie review af any ftood zone determination res�ilting from an objecrion by Borrower. If Barmwer fails to ncaintain any of the covera.ges descn'bed abave, Lencier may obtain insurance coverage, at Lender's option an� Borrower's expense. Lender is unc�er no obligarion to purchase any particutar type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not proteat Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or Iiability and might grovide greater or lesser coverage than wa� previously in effect. Bnrrower acknowled�ges that the cost of the insurance caverage so obtained might significantly exceed the cost of insurance that Bonower could have obtained. Any amounts disbursed by Lender under ttus Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and sha11 be payahle, with such interest, upon notice from Lencier ta Borrower requesting payment. All inc��rance policies required by Lender and renewals of such palicies sha11 be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall nazne Lender as mortgagee andlor as an addirional loss pay�. Lender shall have the righ� to hold the poiicies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender atI receipts of paid premiums and renewal norices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, far damage to, or destruction of, the Property, such policy shall inclu�e a standard mortgage clause and shall nazne Lender as mortgagee and/or as an additionalloss payee. In the event of loss, Bonower shall give prompt norice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Bonower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying �nc was required by Lender, sha11 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 restorarion 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 INSTRUMEN'f �-6(NE) losi i 1 Page 6 of 15 m�ciais: Form 3028 1/01 m � f� �,��