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201103885 Bonower shall promptly dischatge any lien which has priority over this Security Instrument wffess Borrower: (a) agrees in writing to the payment of the obligation se�ured by the lien in a manner ac�eptable to I.ender, but only so long as Borrower is performing such agc'eement; (b) contests the lien in good faith by, or defends against enfor�t of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of tha lien while those procee�ings are gending, but only wrtil such proceedings are concluded; or (c) secures from the holder of the lien mi agr�t satisfactory to Lender subordinating the lien to this Se�urity Tn.ctn,T►�en . If Lender determin� that any part of the Property is subje�t to a lien which c�n attain priority over tlus Security Instrument, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrawer shall satisfy the lien or take one or more of the actions set forth above in this S�tion 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. Properly Insarance. Boaower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, ha�rds included within the term "ext�de� coverage," and any other hazards including, but not limited to, earthquakes and fl�ds, for which Lea�der requires ins�• This insurance shall be maintained in the amoimts (including deductible levels) and for the periods that Lender requires. W�at Lender requires pursuant to the greceding sentences c�n cvange during the term of the Loan. The insurance carrier providing the insurance shall be chasen by Borrower subje,ct to Le�der's right to disapprove Borrower' s choice, which right sha11 not be exercised unr�sonably. Lender may require Borrower to pay, in connaction with this Loan, either: (a) a one-time charge for flaod zone determination, cextific�tion and tracking serv�ices; or (b) a on�time chazge for flood zone determination and certification services and subsequent charges each time remappings or similar 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 flo� zone determination resulting fram an obje�tion by Borrower. If Borrower fails to maintAin any of the coverag� describe� above, Lender may obtain insurance coverage, at Lender's option and Borrower's exgense. Lender is under no obligation to purchase any particular type or amount of coveraga. Therefore, such coverage sha11 cover Lender, but might or �►ight not prot�t Bonower, Borrower' s equity in the Property, or the contents of the Properiy, against any risk, ha�rd or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly elcceed the cost of insurance that Bonower could have obtained Any amounts disbursed by Lender under this Se�tion 5 shall b�ome additional debt of Bonower secured by this Se�urity Instcvment. These amounts shall bear interest at the Note rate from the date of disbursement and sha11 be payable, with such inter�t, upon notice from Lender to Bonower requesting payment• All insurance �licies required by Lender and renewals of such policies sha11 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 additionalloss payee. Lender shall ha.ve the right to hold the policies �d r�ewal certificates. If Lender requires, Borrower shall promptly give to Lender all re�eipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by I.ender, for damage to, or destruction o� the Properiy, such policy shall include a standard mortgage clause and shall name Lender as mortgagce and/or as an additional loss pay�. In the event af loss, Borrower shall give prompt notice to the insurance cazrier and Lender. I.ender may make proof of loss if not made promptly by Borrower. Unless Lender and Bortower otherwise agr� in writing, anY insurance Proc�ds, 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 e�onomic�lly 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 bas had an opportunity to inspect such Property to ensure the 2200132068 D V6ANE NEHRASKA - Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRUMENT WITH MERS �'- -8A(Nq (oe�o) Page 8 of 16 i,�a� � Form 3028 1/01 �