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20�10478� 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, btat only so long as Bonower 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 enforcement of the lien while those proceedings are 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 determinea that any gart of the Property is subject to a lien which can attain priority over this Sectuity Instrument, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower 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 taac yerification and/or reporting seivice used by Lender in. connection with this Loan. S. Property Insurance. Bonower shall keep the improvements now existing ar hereafter erected on the Property insu.red 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 (inoluding dednctible levels) and for the periods that Lender requires. What Lender requires pursua,nt to the preceding sentences can change during the term of the Loan. The instuance carrier providing the inenrarice sha11 be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection 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 determination and certification services and subsequent charges each time remappings or similar changes occtu which reasonably might affect such detertnination or certificatiou, Borrower shall also be xesponsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with tha review of any flood zone determination resulting from an objection by Borrower. If Bortower fails to maintain any of the coverages described above, Lender may obtain inc�r�nce coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amou.nt of coverage. Therefore, such coverage shall cover Lender; but might or might not protect Borrower, Bonower's equity in the Property, or the contents of the Properiy, against any risk, hazard or Iiability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges thaC the cost of the insurance coverage so obtained might significantly exceed the cost of ine„rance that Borrower could have obtained. Any amo►uits disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Inshvment. These amounts sball bear interest at the Note rate from the date 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 mortgage clause, and shall name Lender as mortgages 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 Borrower obtains any form of insuranae coverage, not otherwise required by Lender, for damage to, or deshuction of, the Properl-y, such policy shall include a standard mortgage clause and shall na.me Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance cartier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Bonower otherwise agree in writin.g, any insutance proceeds, whether or not the underlying �ria��rce 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. Ihuing such repair and restoratiton period, Lender shall have the right to hold such �r��rance proceeds uutil Lender has had an opporhwity to inspect such Property to ensure the NEBRASKA- Single Family - Fannie Mae/Freddle Mac UNIFORPA INSTRUMENT �y, �osy�� Paga 8 of 15 Ini� FOf�17 3028 1/01