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201105�3� Borrower shall promptly discharge any lie�a which has priority over this Sec�uity Instrument unless Borrower: (a) agr�s in writing to #ha paymant of the obligation secured by the lien in a manner acceptable to Lendcr, hut only so lang as Borrower is performing such agreement; (b} contests the Iien in good faith b3', or defends against enforcement of the Iien in, Iegal proc�edings rroluclt in Lender's opinion ogerate to preve�t the enforr.eme�tt af the lian while those proceedings are pending, but only tmtil suah proceedings are concluded; or {c} se�ure.s from the holder of the lien an agreement satisfactory to Lender subordiastimg the lien to this Security Tnshnimcnt. If Lender determines that any p�t of the Property is subjeet to a lien �vhieh c� attain priority over this Security Instrpment, Lender may give Borrawer a notic� identifying the ]ien. Wi�hin 10 d�ys of the date on wbich that notice is given, Bozrower shatI safisfy the lien or take one or more of#.�e actions set forth above in this Section 4. Lender may reguire Barrower to pay a one-time charge for a real estate tax verific�ion encUor reporting service used by Lender in connection with this Lo�. 5. Properiy L�swrance Sorrower shell keep the improvanents now existing or hezeatter erected on the Properly insured against loss by fire, ha�rds included witUin the term "eea��ended coverage," and any other ha�ards including, but not Iimited #o, earthquakes and �loods, for which Lender requires insurance. This insurance shall be �a.intai�i ia the amounts (inclu@ing deductible leWels) and for the periods that Lender reqvires. What I.ender requires p�s�ant to the pr�eding sentences c�n cl�ge d�img the #erm. of the Losn. The insurance carrier providing the insuranca shall be chosen by Borrower subjc�t to Lender's right to disapprove Bprrowei's ehoice, which right shall not be exercis�l unreasonably. Lender may require Borrower to pay, in connecEion with this Loan, aitber: (a} a one-time charge for flood zone determination, ce�r 'tt£ic�#ion and tracldng services; ar (b) a one-time charge for flood zone determination and eertific�tioa services and subsequent eherges eaeh time remappings ar simil� changes occur wbich reasonably might affect such datercnination or certifir,a#ion Borrower shall also be responsible for the paymart of aay fees imposed by the Federal Bmergency Management A.gency in aannectian with the review of any flood wne determinaiion resulting from an ohjectian by Borrower. If Boaower fails to miamtain aay of the coverages descn'bed. above, Lender �.y obtain iBSUrance coverag� at Lander's option and Brnxower's expensa. Lender is under no obligation to purcbase any particnlar type or amoumt of coverage. Tlaerefore, such coverage sball cover Lendei, but might ar might ncrt prote�t Boaowar, Borrawer's equity in the ProPerty, ar the contems af the Fxoperty, against anY xislr hazard or liability snd might provide gre�ter or lesser coverage than was previously in effect. Borrawer aclmowledge,s that the c:ost of the insurance coverage so obtained might significarrtiy exc�d the cost of insttrance th$t Borrowet conld have abtained. t�ny amounts disb�sed by Lenckr undea this SecYion 5 sball become addiiional debt of Borroyver s�ed by t3�is Security Instrnmemt. These amounts shali besr intar�t at the Note rate from the date of disbursement and sha11 be payable, with such interest, npon notice from Lender to Borrower requestiag Payme�t, All insurance policias r��rired by I,ender and renewals of such palicies shall be subject ta Lender's right w disapprove such palicies, shall include a standard mortgage clause, and shall name L�nder as mortgagee �dlor as an additional loss payes. Lender shall have the right to hald the policies e�d renewal certificates. If Lender requir�, Borrower shall promptly give to Lender all receipts of pa3d premiums and renewal notices. If Borrawez c�btains any form of insurance coverage, nat otherwise required by Lender, far damage to, or destructian o� the Propeity, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss paye:a. In the event of Ioss, Bvrrower shall give prompt notice ta the insurance c�rier and Lender. Lender may make proaf of lass if not made promgtly by Borrower, Unless Lender and Barrawer otherwise agra 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 economic�ily feasibie and Lender's securita+ is not lessened. During such repair fmd restoratian geriod, Lenc�er shall have the right to hold such ;nm�,�,nce pror�is uatil Lender has b�d an opportunity to inspect such Property to ensiue the 2200156587 D V6ANE NEBRASKA - Single FamBy - Fa►u�le Mae/Freddis ll�ac UNIKORM WSTRUB�FN�' WITH M �'BA(NE} f08101 Pese e or �s Initlals: Form 3028 1/01