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20110387G Bonower shall promptly discharge any lien which has priority over this Securitx Instrument unless Borrower: (a) agree.c in wtiting 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 enforeement of the lien while those proceedings are pending, but only until such proceedings aze 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 Propert�+ is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice idenrifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfjr tt�e 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 charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insnrance. Bonower shali keep the improvements �w existing or hereafter erected on the Property insured against loss by fire, haza.rds included within the tetm "extended coverage," and any other hazards including, but not limited to, e�rthquakes �tud flcwds, for which Lender requires insurauce. This insurance shall be maintained in the �mov�ts (iIICluding deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance cazrier providing the insurance shall he chosen by Bonower subje,et to Le�der's right to disapprove Borrower's choice, which right sha11 not be exereised unreasonably. Lender may require Bortower to pay, in connection with this Loau, either. (a) a one-time charge for fiood zone determination, certification and tracking servic�.s; or (b} a one-time charge for flood zone determinatian and certification services and subsequent charges e�h time remappings or similar changes occur which reasonably might aff�t such determination or certi�cation. Borrower shall also be responsible €or the payment of any fees imposed by the Federal �merg�cy Managemeat .4genG� iII connection with the review of any flood zone detPrm?n?tion resulting fro� au o�jeerion by Borrowes. If Borrower fails ta maintain any of the caverages described above, i.encter may obtain insurance coverage, at Lender's aption and Borrower's ex�nse. Lender is unde� no obligation to purchase any particular type or amount of coverage. Therefore, sucfi coverage sl�all cover Lender, but might or �night not protect Borrower, Borrower's equity in the Properly, or the contents of the Property, against any risk, hazard or liability and might pravide greater or Iesser coverage than was previously in effect. Borrower acl�owledges that the cost of the insurance coverage so obtained might significantly exc.eed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instivment. These amounts sha11 bear interest at the Note rate from the date of disbursement anc� shall be payable, with such interest, upon norice fram Lender to Bonower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an addirional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall pmmgfly give to Lenfler 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 destrucrion of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an addirianal loss payee. In the event of loss, Bonower shall give prompt norice 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 I,ender, shall be applied to restoration or repair of the Property, 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 insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMEIVT �-6�NE) (081 � i Page 6 of 15 Initials: � J� � Form 3028 1/01 �, � t �a� ., ,��