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�. � ' � ! `� � . i i Borrower 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 Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proce�dings 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 determines that any part of the Property is subject to a Iien which can attain priority over this Secwriry Instnunent, Lender may give Borrower a norice identifyiug the Iien. Within 10 days of the date on which that notice is given, Borrower shail 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-titne charge for a real estate t� verification and/or reportitng service used by Lender in connecrion with this Loan. 5. Property Insura:uce. Borrower shall keep the improvements now e�cisting or hereafter erected on the Froperty insured against loss by fire, hazards included within the term "extended coverage," and any otYier hazazds ineluding, bnt not limited to, eartl�quakes and floods, for which Lender requires insurance. This insurance shatl be maint�iIIed in the asnounts (including deducrible Ievels} and for the periods that L�nder requires. What Lender requires pursuant to the preceding sentencss can change during the term of the Loan. Tlie insurance carrier providing the insurance shalt he choserr by Barrower subject to Lender's right to disappmve Borrower's choice, which rig12t shall not be exercised unreasonably. Lender may require Borrower ta pay, in cormecrion with this LoaII, either: (a} a one-time cliarge for flood zone determinatio�t, certificatioa an� tracking services; or (b) a o�ce-time charge fvr IIood zane determination and eertification servic�s and subsequent charges each time remappings or simi�ar changes occur which reasonably might affect sueh detercrtination or certification. Bosrowes shali aYso be responsible far the payment of any fees impo�i by the Federal Emergency Management Agern;y iu contt�tion with the review of a�y flaad wn�e cietermination �sulting &om aII obfectioII by Borrower. If �orrower fails ta m�intain any of the coverages describec3 above, Lender may obtain insurance coverage, at T.ender's opticm a.nd Borrower's expense. Lender is under no obtigation to purchase any particutar tyge or aznoiase� of coverage. Therefore, sucfi coverage shall cover Lender, but might or might not pmtect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might pzovide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost o€ the insurance coverage so obtained might significantty exceed the cost of instuance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall b�ome additional debt of Borrower secured by this S�urity Instrument. These amounts shall bear interest at the Note rate from the date of disbursemettt and shall be payable, with such interest, upon notice from Lender to Borrower requasting payment. All insurance policies required by Lender and renewals of such golicies shal2 be subject to Lender's right to disapprove such policies, sha11 include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. I.ender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower sha11 promptly give to Lender a12 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 Properry, such policy shall include a standazd mortgage clause and sha11 name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Bonower shall give prompt notice to the insurance carrier and I.ender. Lender ma.y 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 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 shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Properly to ensure the 111EBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6iNE) tos�ii Page 6 of 15 intciais: � Form 3028 7/01 �