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�oi�o3o9� Borrowez shall prompfly discharge any lien wIuch has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligatian secured by the lien in a ma,nner acceptable to Lender,. but only so long as Borrower is gerforining 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 whils those proceedings are pending, but only until such proceedings are concluded; or (c) seeures 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 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 oue or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification andlor reparting service used by Lender 'va connection with this Loan. 5. Property Insnrance. Borrower shall keep the improvements now existing or hereafter erected on the Properly insured against loss by fire, hazards inclnded within the term "extended coverage," and any other hazards including, but not limited to, ea.rthquakes and floods, for which Lendsr requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods tha.t Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurauce carrier providing the insurance shall be chosen by Bonower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in connection with this I.oan, either: (a} a one-time charge for flood zone determination, certif'ication and tra.cking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Bonower shall also be responsible for the paymenf of any fees imposed by the Federal Emergency Management Agency in connection with the review of auy flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's exgense. Lender is under no obligation to purchase any particular type or amount of covera.ge. Therefore, such covera.ge shall cover Lender, but might or might not protect Borrower, Bonower's equity in the Property, or the contents of the Properiy, against any risk, hazard or liability and miglit provide greater or lesser covera.ge fhan was previously in effect, Borrower acl�owledges that the cost of fihe �nc�,ra�p coverage so obtained might significantly exceed the cost of insurance that Borrower could have obta.ined. A� amounts disbursed by Lender under this 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 shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, sha1l include a standard mortgage clause, and shall na.me Lender as mortgagee andlor as an additionalloss payee. Lender shall have the right to hold the policies and renewal certificates. ff Lender requires, Borrower shall prompfly give to Lender 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 Properly, such policy sha11 include a standard mortgage clause and shall name Lender as mortgagee and/or as an additionalloss payee. In the event of loss, Borrower shall give prompt notice to the insiu�ance 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 �nc�,r��e �vas required by Lender, shall be applied to restora,tion or repair of the Progerty, 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 �nc�,*ansp proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Meo/Freddie Mac UNIFORM 1NSTRt1MENT �-8(NE1 tos� � i aeaa s ot � s � Form 3028 1/01