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�4��0540� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligarion 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 proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proaeedings are concluded; or (c) s�ures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security 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 identifying the lien. Within 10 days of the date on which that notice is given, Bonower shall sarisfy 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-titne chazge for a real estate tax verification andlor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower shall keep the unprovements now elcisting or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not Iimited to, earthquakes and floods, for wluch Lender requires insurance. This insuranc� sha11 be maintained in the arnounts (including dedudible levels) aIId for the periods that Lender requires. Wfiat Lender requires pursuant to the preeeding sentences can chauge during the tenm of the Loan. The ins�r�ce aarrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shali not be e�ercised unreasonably. Lender may require �orrower to pay, in connection • with this Laan, either. (a) a one-time charge for flood zone determinatiog, certification and tracking services; or (b) a one-time cfiarge for fioocfi zone determination and certifcation services and subsequent charges each time remappiags or simi,Iar changes occur which reasonably might affect such determinarion or certification. Barrower shall alsQ be responsible for the payment Qf aiiy fees imgosed by the Federal Emergency Mauagement Agency izi eonnection witli the review af any IIc� aone determination resulting from an objection hy Borrc�wer. If Borrower faits to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. I,ender is uuder no obligation to purchase any particular tyge or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not proteet �nower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability anci might provide greater or lesser caverage than was previovsl� in effect. Borrower ac�owledges that the cost of the insurance coverage so obtained might sigBificantty exceed the cost of insurauce that Borrower cauld have obtained. Any amouzits disburse� by Lender nnder this �Ction 5 shall become additionai debt of Borrower secured by this Security Instrument. Tfiese amouuutts sha11 i�ear interest at the Note rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lender to Borrower requesting payment. AlI 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 mortgage.e andlor as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower sha11 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 additionalloss payee. In the event of loss, Borrower shall give prompt notice to the insurance cartier and Lender. L.ender ma.y 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, sha11 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, L.ender shall have the right to hold such insurance proc,eeds until Lender has had an opportunity to inspect such Property to ensure the NEBRASKA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) (0811} Page 6 of 15 In�ttals: � Form 3028 1/01 �