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�o�loso9s Bonower shall promptly dischazge 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 acceptable 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 operate to prevent the enforcement of the lien while those proceedings aze pending, but only until such proceedings aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Inst7ument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Se,curity Instrument, Lender may give Bonower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower sha11 satisfy the lien or take one or more of the acrions set forth above in this Section 4. Lender may require Bonower to pay a one-time chazge for a real estate tax veri�cation and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Bonower shall ke,ep the improvements now existing or hereafter erected on the PropertX insured against loss by fire, hazards included withixi the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance 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 insurance carrier providing the insurance sha11 be chosen by Borrower subject to Lender's right to disa.pprove Borrower's choice, which right sha11 not be exercised unreasonably. 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 flaod zone determination and certification servic� and subsequent charges each time remappings ar similaz changes axur which reasonably might affect such @etermination or certification. Bonower shall also be responsible for the payment of any fees imposed by the Federat Emergency Management Agency in connection with the review of any �ood zone determination resulting from an objecrion by Bflrrower. 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 type or amount of coverage. Therefore, such coverage sha11 cover Lender, 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 miglat provide greater or lesser coverage than was pre�iously in effect. Borrower acl�owledges that the cost of the insurance coverage so obtained might significantly exceed the cost of ittc„rance that Borrower could have obtained. Any amounts disbursed by Lender under this Secrion 5 shall hecome additional 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 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 mortgag� and/or as an addirional loss paye,e. Lender sha11 have the right to hold the policies and renewal certificates. If Lender requires, Bonower shall promptly give to Lender a1I rec;eipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, 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 and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Bonower. Unless Lender and Borrower otherwise agree in writing, any �n��ran�e 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 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 - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT �-6(NE) (081 � 1 Page 6 of 15 In�tials: Form 3028 1/01 � �� � �