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�01106027 Borrower shall promptly discharge any lien wluch has priority over tlus Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation s��nrefl by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in goai 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 proceedings are concluded; or (c) s�es from the holder of the lien an agreement satisfactory to Lender subordinating the lien to tlus Security Instrument. If Lender determines that any part of the Property is subje�t to a lien wluch can attain priority over this Security Instrument, Lender may give Bonower a notice identifying the lien. Within 10 days af the date on which that notice is given, Borrower shall satisfy 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-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insnrance. Boirawer shall ke,ep the improvements now existing or hereafter erected on the Property insure� against loss by fire, �aZards included within the term "extended coverage," and any other hazards including, but not limited to, ea�thquakes and floods, for which Lender requires insurance. This insurance sha11 be maintained in the amounts (including de�iuch`ble levels) and far the periods that Lender re�uires. What Lender requires pursuant to the preceding sentences c� change during the teim of the Loan. The insurance c;�rrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choic�, which right sha11 not be exercised unreasonably. Lender may require Borrower to pay, in c�nnection with this Loan, either: (a) a one-time charge for flood zone determination, certific�tion and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent cbarges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees im�sed by the Federal Emergency Management Agency in coimection with the review of any flood zone detennination resulting from an objection by Bonowe�. If Borrower fails to maintain azry of the cflverages descnbed above, I,ender may obtain insurance coverage, at Lender's option and Borrower's expensa. Lender is under no obligation to purchase any particular type ar amount of coveraga. Therefore, such coverage ahall cover Lender, but might or might not protect Borrower, Borrower's �quity in tha Properiy, or the conte,nts of the Property, against any risk, ba�rd or liability and might provide greater or lesser coverage than was previously in effect. Bonower acknowledges that the cost of the insuranc� coverage so obtained might significantly exc�d the cost of insurance that Bonower could have obtained Any amowits disb� by Lender uader t1�is Section 5 shall become additional debt of Borrower securefl by this Security Instrumeat. These amoun.ts shall beaz interest at the Note rate from the date of disbursement and shall ba payable, with such interest, upon notice from Lender to Borrower reque4ting gayment. All insurance �licies required by I,ender and renewals of such policie.s shall be subject to I.endea's right to disapprove such policies, shall include a standard mortgage clause, and sha11 name Le�nder as mortgagee and/or as an additional loss payee. Lender sball have the right to hold the policies and renewal certificates. If Lender ret�uires, Boa�ower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, far damage to, or destruction o� the Property, such policy shall include a standard mortgage clause and shall name I.ender as mortgagee and/or as aa additionalloss pay�. In the event of loss, Borrower shall give prompt notice to the ins�u�ance carrier and Lender. Lender may make proof of loss if not made promptly by Horrower. Unless Lender and Borrower otherwise agree in writing, any insurance proce�s, whether ar not the underlying insurance was required by Lender, shall be applied to restorati�n or repair of the Property, if the restoration or repair is e�onomically feas�le and Lender' s security is not less�ed During such repair and restoration period, I.ender shall have the right to hold such insurance proceeds wntil L�nder bas had an opportunity to inspect such Property to ensure the 2200155211 D V6ANE NEERA8KA - Single Family - Fannle MaelFreddle Mac UNIFORM INSTRUMENT WRH MEJ� ��A(NE� toe�ol r�s or �e u,w� 5�,� Form 3028 1/01 �