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201103387 Borrower sha11 promptly dischazge any lien which has priority over this Security Instnunent 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 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 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 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 norice identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the acrions set forth above in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in conn�rion with this Loan. 5. Property Insurance. Borrower sha11 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 orther hazards including, but not limited to, earthquakes and flooc�s, fQr �vF�ic3i Le�er requires insurance. '�his insurance shall be maintained in the amounts (including deductc'�Pe ��vr�s) attd for the periods that �.ender requires. What Lender requires pursuant to the preceding s� � c�a�age during the term of the Lvan. The insurance carrier providing the insurance shall be ch� by �ro�+er subject to Lender's right to disapprove Borrower's choice, which right shall not t�e e�e� �e�nably. Lender may require Borrawea to gay, in connecrion with this Loan, either. (a) �e e�e-6.�e cEpaFge for flood zone deterniinatiase, eertif�,eatEo� �cd trac2cing services; or (b) a one-ti� c�r� fca�r f�o� aox�e determination aud certificatio� s�rprie�s � ss�sequent charges each time rema�rp�egs aas s� ��raages occur which reasonahly �g� affect st,� determination or certification. Borro�rer s�tl a� �e responsible for the paymeat of a�g fees imposed by the Federal Emergency Mat�agem� Agency i� caam,�tion with the review of a�r �0cxi zcme dete�i�ration resulting from an objection by Barrower. Tf BorrcaweF faiBs tm �taiu ar�y of the coverages descnbed above, Lender may obtain inc�tr�nce coverage, at �..enc�er's ogt��n a� �rrower's expense. Lender is under no obligation to purchase auy particular type or a�sru� of Eoverage. Therefore, such coverage shall cover Lender, but might or might not protect Borra�rer, Boarower's equity in the Properiy, or the contents of the Progerty, against any risk, hazard or Ziat��i�r aac� �ght grQVide greater or lesser coverage than was greviously in eff�t. Borrower acknowlec�ges t�aL t�e c� �f t�e insurance coverage so obtained mig�t siggifica�ly excee� ti�e cost o€ insuranc� tfr� &rrrct�r c�utd hawe obtained. Any amounts disburse� t�y �s �er ti�is Seetion 5 shall becflme additio� debt af Barrc�wer secured by this Security Instrume�. T�rese a��nts shail beu interest at the Note rate from the date of disbursement and shall be payable, �n � i�ere,st, upon notice from Lender to Bonower requesting payment. All insurance policies required by Lender and renewals of suct� po�ZCi�s s�ra�I be s�je,ct to Lender's right to disapprove such policies, shall include a standard mortgage rla�, �rnct shali �arne Lender as mortgagee and/or as an additional loss payee. Lender shall have tfie rigE� to �r�e� �it� policies and renewal certificates. If Lender requires, Bonower shall promptly give to Lender ��ts of paid premiiums and renewal notices. If Borrower obtains any form of insurance coverage, �t otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an addirional loss pay�. 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 u.nderlying insurance was required by Lender, shall be applied to restorarion or repair of the Property, if the restoration or repair is ec;onomically feasible and Lender's security is not lessened. During such repair and restoration period, Lender sha11 have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the IYEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT '�- -6(NE) �ost t1 Page 6 of 15 inictais: Form 3028 1/01 � � . i ., .. . ,. 4a