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20�1056�0 Borrower sha11 prompfly discharge any lien wluch has priority over this Security Instrument unless Bonower: (a) agree.s 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 g� faith by, or defends against enforcement of the lien in, legal proccedings which in Lender's opinion operate to prevent the enforcement of the lien wlule thosa proceedings are pending, but only until such proc�d'mgs are concluded; or (c) secures from the holder of the lien an agreement saxisfactory to Lender subordinating the lien to ttris Security Instrumen� If Lender determines that any part of the Property is subje�t to a lien which can attain priority over this Security Instrument, Lende� ma.y give Borrower a notice identifying the lien. �thin 10 days of the date on wluch that notice is given, Borrower shall saiisfy the lien or take one or more of the actions set forth above in ttus Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporling service used by Lender in connection with this Loan. 5. Property Insnrance. Borrower shall ke,ep the improvements now exisring or hereafter ere,cted on the Property insured against loss by fire, hazards included withiu the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floads, for wlrich Lender re�uires insurance. This insurance shall be maintained in the amaunts (including deductible levels) and for the periods that I,ender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance cazrier providing the inc,,,�„ce shall 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 coimection 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 wne de�teermination and ceriification semces and subsequent charges each time remappings or similar changes occur wluch reasonably might affect such determination or certification. Borrower shall also be responsi'ble for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone detem�ination resulting from an obje�tion by Bonower. If Bonower fails to maintaiu any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Bonowar's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not prote�t Bonower, Borrower' s e�uity in the Property, or the contents of the Property, against any iisl� ha�rd or liability and might provide greater or lesser coverage than was previously in effect. Borrower aclmowledges that the cost of the insurance coverage so obtained might significantly excced the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Se�tion 5 shall be,come additional debt of Borrower s�ured by this Se�urity Instrument. These amounts shall bear interest at the Note rate &om the date of disbursement and shall be payable, with such interest, upon notice from Lender to Boirower re4uesting PaYmen� All insurance policies required by I,ender 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 shall have the right to hold the policies and renewal certific�tes. If Lender requires, Bonower shall pramptly give to Lender all re�eipts of paid premiums and renewal notices. If Bonower obtains any form of insurance coverage, not otherwise required by I.ender, far d�age to, or de.struction o� the Property, such policy shall include a standard mortgage clause and sha11 name Lender as mortgag� and/ar as an additional loss payee. In the event of loss, Borrower shall give grompt notice to the insurance carrier and I.ender. Lender may make pr�f of loss if not made promptly by Boirower. Unless Lender and Borrower otherwise ag�ree in writing, any insurance proceeds, whether or not tha underlying insurance was required by Lender, shall be applial to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's sec�mty is not lessened. During such repair and restaration period, I.ender sha11 have the right to hold such insurance proceeds until Lender has had an opporhmity to inspe�t such Property to ensure tlte 2200129581 n v6� NEHRASKA - Single Family - Fannle Mae/Freddie Mac UNIFORM INSTRUMENT W �-6A(NE� (oe�o) r�ee � ie i„�� °� Form 3028 7/01 �