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�,i��'�'�1��a1�` L�� �0110 201i�1�� Bortower shall promptly discharge any lien which has prioriry over this Security Insmnnent unless Borrower: (a) agrees in writing to the payment of the obligation secuted by the lien in a manner acceptable to Lender; but only so long as Bonower 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 aze pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agre,ement satisfactory to Lender subordinating the lien to this Security Instrument. 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 Bonower a norice identifying the lien. Within 10 days of the da.te on which that norice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Bonower to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in conn�tion 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 coverage," and any other hazards including, but not limited to, earthquakes and floods, for uvbich L,ender requires insurance. This insurance shall be maintained in the amounts (including deductt'bte Ievels) and for the periods that Lender requires. What Lender requires pursuant to the preceding senternaes can change during the term of the Loan. The insurance carrier providing the insurance shall be chose� b�r Borrower subject to Lender's right to disapprove Bonower's choice, which right shall not be e�ercised unreasonabIy. Lender may require Borrower to pay, in conu�rion with ttus Loan, either: (a) a one-time charge for flood zone determination, certification and tracldng services; or (b) a one-time c�ge for fiood wne determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall aiso be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in counection with the review of any flood zone determination resulting from an objecrion by Borrower. If Borrower fails to maint�in any of the coverages described above, Lender may obtain insurance coverage, at Le�er'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 I.ender, but might or might not protect Bonower, Borrower'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 acknowledges ttrat the cost of the inc„ran� coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become addirional debt of Bonower 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 Bonower requesting payment. All insurance policies required by Lender and renewals of sueh pvli� sfiall be subject to Lender's right to disappmve such policies, shall include a standard mortgage c�a�se, and shall name Lender as mortgagee and/or as an additional loss paye,e. Lend�r shall have the rig�C to 1�old the policies and renewal certificates. If Lender requires, Bonower shall promptly give to Leader a3,� re,ceipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, no� 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 �nc�,rance carrier and Lender. Lender may make proof of loss if not made promptly by Bonower. 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 restorarion 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 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 8 of 15 Inftials: p�' c Form 3028 1/01 �