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�Oi10650� Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligafion secured by the lien in a manuer acceptable to Lender, but only so long as Borrower is performting 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 are 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 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 Borrower a notice identifying the lien. Within lp days of the date on which that notice is given, Bonower sha11 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 connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fiu�e, hazards included within tb.e term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which L.ender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) aud for the geriods that Lender requires. What Lender zequires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may recZuire Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, cez�tification and tracking services; or (b) a one-time charge for flood zone determination and certif'ica.tion services and subsequent charges ea.ch time remappings or similar chauges occur which reasonably might affect such determina.tion or certification. Borrower shall also be resgonsible for the payment of any fees impased by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower faiLs to maintain any of the coverages described above, Lender ma.y 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 covera.ge shall cover Lender, but migfit or might not protect Borrower, Borrower's equi.ty in the Properly, or the contents of the Frogerty, against any risk, hazard or liability and might provide greatez or lesser coverage than was previously in effect. Borrower acl�owledges that the cost of the insurance coverage so obtained might si�cantly exceed the cost of insurance that Bonower could have obtained. Airy amounts disbursed bq Lender under this Section 5 shall become additional debt of Borrower 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 sucfi policies sha11 be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additionalloss gayee. Lender shall have the right to hold the policies and renewal cert�cates, ff Lender requires, Bozrower shall prompfly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance covera.ge, 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 andlor as an additional loss payee. In the event of loss, Bonower shall give prompt notice to fhe insurance cartier and Lender. Lender may make proof of Ioss if not made promptly by Bormwer. Unless Le�der and Borrower otherwise agree in writing any �nc��*ansf' proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Progerly, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restora.tion period, Lender shall ha.ve the rigb.t to hold such insurance proceeds until Lender has had an opportunity to inspect such Progerty to ensure the NEBRASKA - Single Family - Fennie Mee/Freddie Mac UNIFORM INSTRUMEIVT �-6INE) �ost>> PagaBof 76 i�wais: � Form 3028 1/01