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201103821 Borrower shall promptly discharge any lien which has priority over this Security 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 Bonower is perfomring such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proc,eedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proccedings aze concluded; or (c) s�ures from the holder of the lien an agreement satisfactory to I,ender 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, Bonower 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 verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower shall keep the improvements now existing or hereafter ere.cted on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that I.ender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance 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 Borrower to pay, in conn�tion with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone deternunation and certification services and subsequent charges each time remappings or similaz changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an obj�tion by Borrower. If Bonower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonower'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 prot�t Bonower, Borrower's equiry in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effe,ct. Bonower acl�owledges that the cost of the insurance coverage so obtained might significantly excced the cost of insurance that Borrower could have obtained. Any amounts disbursed by L.ender under this Section 5 shall become additional debt of Borrower secured by tlus 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 Bonower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subj�t to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee 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 Lender all receipts of paid premiums and renewal notices. If Bonower 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 shall name I.ender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower sha11 give prompt notice to the insurance cazrier and Lender. Lender may make proof of loss if not made promptly by Bonower. Unless Lender and Borrower otherwise agree in writing, any insurance proce�s, 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 restoration period, L.ender 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) (os�t) Page6 of 15 iorc�eis: � Form 3028 7/07 � R �', a „ 'B z , � ,° �.`� .�