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201104�84 Bonower sha11 promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation se,cured 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 de€ends 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 aze concluded; or (c) secures from the holder of the lien an agrcement sa.tisfactory to Lender subordinating the lien to this S�urity Insixument. 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 norice idenrifying the lien. Within 10 days of the date on which 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 charge for a real estate ta.x verificarion andlor reporting service used by Lender in conn�tion with ttus Loan. 5. Properiy Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Propertx insured against loss by f�re, hazards included withiu the term "extended coverage," and any other ha2ards including, but not Iimited to, earthquakes and floods, for which Lender requires insurance. This inc��nce shali be ma.intained in the amounts (including deductible levels) a�d for the periods that Lender reqtures. VVliat Lender requires pursuant to the preceding sentences can change during the term of the Loan. The in��*ance carrier providing the insurance shall be chose� by Borrower subj�t to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonabiy. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone deternunation, cegtification an� tracking services; or (b) a one-time charge for flooct zone determination and certifcation services and subsequent charges each time r�mappi�gs or similar changes occur which rea.sonably mi,ght affe,ct such determination or certif�cation. Bonower shall also be responsible for the payment of aIIy fees imposed by the Federal Emergency Management Agency in connection with the review of any Soo� zone determination resulting from an objecrion by Sorrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain �nc,�r�ce coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particuEaz type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borro�ver, �rrower's equity in the Property, or the contents of the property, against any risk, hazard or liabitity and might provide greater or lesser coverage tha.n was previously in effe,ct. Borrower acl�owledges that the cost of the insurance coverage so obtained might significantiy exc�ed the cost of insurance that Sorrower could have obtained. Any amounts disbursed by I.encter under this Section 5 shaIl become ac�ditional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbu.rsement and shall he payable, with such interest, upon notice from Lender to Borrower requesting payment. AII 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 mortgag� and/or as an additional loss payee. Lender sha11 have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal norices. 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 Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. L.ender ma� make proof of loss if not made promptly by Borrower. Unless.Lender and Borrower otherwise agree in writing, any insurance proc.eeds, 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 economically 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 NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) loat a) Page 8 of 15 intctais: Form 3028 1/01 �