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�011054�5 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 accepta.ble 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 opera.te 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 Progerly is subject to a lien which can atta.in priority over this Security Instrument, Lender ma.y give Borrower a notice identifying the lien. Within 10 days of the da.te on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this 5ection 4. Lender may require Borrower to pay a one-time charge for a real estate tax verif'ica.tion andlor reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended covera.ge," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. Tj11S inc�rz�nsp shall be maintained in the amounts (including deductible levels} and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The �nc�rance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised um'easonably. 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 rema.ppings or similar changes occur which rea.sonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Mana.gement Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular tyge or amount 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 Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower ac�owledges that the cost of the �nc�*ance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. An.y amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall 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 mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certif'icates. If L.ender requires, Borrower shall prompfly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of �nc�*ance coyerage, 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 andlor as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may ma.ke 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 inc�,�nce was required by Lender, shall be applied to restoration or repair of the Progerty, 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 Property to ensure the NEBRASKA - Single Family - Fannfe Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) �oei u Paga 6 of 16 inweis: Form 3028 1/07 V/�-