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20110305� Bonower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation s�ured by the lien in a manner acceptable to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings wluch 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) s�ures from the holder of the lien an agre�ment satisfactory to I.ender subordinating the lien to this Secusity Instnunent. If Lender determines that any part of the Property is subj�t to a lien which can attain priority over this Securiry 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 cYiarge for a real estate tax verification and/or reporting service used by Lender in connecrion 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 v�ithiu the term "extended coverage," and any other bazards including, but not limite,cl to, earthquakes aud floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deducrible Ievels) and for the periods that Lencter requires. What Lender requir� pursuant to the precedin.g sentences can change dvring the term of the Loan. T'he insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall IIot be exercised unreasonably. Lender ma.y require BoFrov�+er to pay, in conne,crion with this I.oa.n, either: (a� a oue-time charge for ffooc� zone determination, eertificaxion and traclQng services; or (b) a one-time chatge for fload zone determination aud cer�ification services and subsequent charges each time remagpffigs or similar changes oecur which reasouably might aff�t such determination or eertification. Bonawer shall also be responsible for the payment of any fees imposed by the Federal Emergency 1Vranagement Ageucy in coffiection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages de�ribed a�ve, Lender may obtain +nc►iranrP coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not prote,ct Bonower, Bonower's equity in the Property, or the contemts of the Property, against any risk, hazarc� or liability and migtrt provide greater or lesser coverage than was previously in effect. Borrower ackuo�vle.ciges that the cost of the in��ra„ce coverage so obtained might signif cantly exceed the cost of insurance that Borrower could have obtained. Any amounts disburs� by �.ender under this Section 5 sha11 b�:ome additional debt of Bonower secured by this Security Instrument. These amounts shatl hear interest at the Aiote rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies requirerl by Lender and renewals of such policies sha11 be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgag� 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 I.ender all 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 sha11 name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Bonower shall give prompt notice to the insurance carrier and Lender. Lender ma.y 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, sha11 be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's se,curity 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 INSTRUMENT �-6(NE) roat t� Page 6 of 15 Initials: Form 3028 1/01 � � �,