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201103877 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 agr�ment; (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 aze 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 p�rt of the Property is subject to a lien wluch can attain priority over this Se,cu.rity Instrument, Lender may give Bonower a norice idenrifying the lien. Within 10 days of the date on wluch that norice 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 Borrower to pay a one-time chazge for a real estate tax verification and/or reportiIIg service used by L.ender in conne,ction with this Loan. 5. Property Insurance. Bonower sha11 keep the improvements now existing or hereafter erected on the Froperty insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthguakes and flcmds, For wtuch Lender requires irisurance. � inc►��„rp � be�� e amounts (including deEiuctible levels) �� for t.�e periods that E.ender reguires. What I�nder requires pursuant to the preceding sentenc�s can charr.ge duriag the term of the Laau. Th� �i� carrier providing the insurance shall be chos�, by Borrower subject to I.�nder's right to disapgrove Borrower's choice, which right sha11 not be exercisec� unreaso�Iy. L,�nder may require BaFrower to pay, in connection with this Loan, either: (a) a one-time charge foa float zone detertnination, certiftcati�n and tracking service.s; or (b) a one-time cha�ge for �� zone detPrnin��on and. certificatio� �rvices and subsequent charges each time remapgings or si�Iar chaag� cxxur wluch reasonably might affect such determination or certifi�ation. Borrow+er s�al� atso be responsible for t�e payment of any fees imposed by the Federal Emergency Managemegt Agency ia coanecrion with the review of any flofld aoue determination resulting from an obZ�tiog by Borrower. If Borrower fails to maintain any of the coverages described ahove, �.ender may obtaiII insurance coverage, at Lencter's oprion and Bonower's expense. Lender is under no obligation to purchase any particu�ar type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect �onower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability arnt might provide greater or lesser coverage than was previously in effect. Barrower acknowIectges that the cost of the insurance coverage so obtained might significantly exceed 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 Instrument. These amounts shall bear interest at the Note rate from the ctate 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, shall include a standard mortga:ge clause, and shall name Lender as mortgagee and/or as an additional Ioss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender a11 receipts of paid premiums and renewal notices. If Borrower 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 addirional loss payee. In the event of loss, Borrower 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 Bonower 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 Properly, if the restorarion or repair is ec:onomically 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) (0811) Page 8 of 15 Initials: (�G�-� Fo�m 3028 1/01 � —�— ' , ,