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201103382 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 secured 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 which 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) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Insmiment. 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 sarisfy the lien or take one or more of the acrions set forth above in this Section 4. Lender may require Bonower to pay a one-time charge for a reat 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 c>ther hazards including, but not limited to, earthquakes and floods, for w+lsicl� �der requires insurance. This insurance sha1l be maintained in the amounts (including dedeict��sle ��rrels) and for the periods that T.ender requires. What Lender requires pursuant to the preceding sen� � c?�ge duriag the term of tbe Loan. The insusance carrier providing the insurance shall be chese� ��aaa�wer sub�ect to Lender's right to disapprove Bortower's choice, which right shall not be exeress�a8 �sonably. I,euder may require �orrct�rer tQ g�y, in connection with this Loan, either: ��} ��e r�rarge for flood zone determinatioFe, ceztific�� ad tracking services; or (b) a one-time �ge ��C� zQne determination and certi�e�a s�rvices amd s�:t�sequent charges each time remapg�gs ars ' cF�aages axur which reasonably �g� a�e.cE sou� d�certnination or certification. Barro�a sT�@ a�so he r�ponsible for the payment o� a�sy �s im�rose�t by the Federal Emergency Managemet� .�g�xcy ir� cxfsaectio� w+itfi the re�iew of a�c�r �@� zexrr� cie��a�ion resulting from an objecrion by �oarc�v�r. If Borrov� f�ts fo mai.�ta�n any of the coverages described above, i.enc�er may obtain insnrauce coverage, at Lendes's agtior� �x►d Borrower's expense. Lender is under no obligation to purchase any particutar type o� a�o�8 of coverage. Therefore, such coverage s�ll cover I,ender, but migttt or might not protect �rrc�v�, Boaro��'s equiry in the Properiy, or the contents of the Property, against any risk, hazard or �atyr �fl mE� �vide greater or lesser coverage than was pre��io�sty in effeet. Borrower aclmowledges � P1� ax� o� the insurance covera.ge so obtained mi�ght sig�ftc�ctl� e�cc� the cosE of insurance tt�aF �cr�wes c�d Pr�.ve obtained. Any amounts disbvrse� tsy �ea utufier tFus Sectio� 5 sha�Il become additicmal ctebE of Bonower secured by this Security Ins�. 'y'�t�se amo�ucEs sha� hear interest at the Note rate from ttie date of disbu.rsement and shall be payable, �� i�t�t, ugvn norice from T.ender to Borrower requesting payment. AI1 insurance policies required by Lender and renewals of such p��icses � be s�bject to Lender's right to disapprove such policies, sha11 include a standard mortgage r�a�, � s�ll name Lender as mortgagee and✓or as an additional loss payee. Lender shall have the rigi� �� the golicies and renewal certificates. If Lender requires, Bonower shall promptly give to Letcc�ei ��eeeigts of paid gremiums and renewal notices. If Borrower obtains any form of insurance coverage, no� a�Fs�rveise required by Lender, for da,mage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee andlor as an additional loss payee. In the event of loss, Bonower sha11 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 securiry is not lessened. During such repair and restorarion period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportuniry to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) fos� � 1 Page 6 of 15 �nitials� Form 3028 1/01 � � � � . � ��