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�01106588 Borrower shall promptly discharge any lien which has priority over this Security InstYVment unless Bonower: (a} agrees in writing to the payment of t�e 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 defeads 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) secuzes 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 Secu.rity Instrument, Lender may give Borrower a notice identifying tbe Iien. Within 10 days of the date on which that norice 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 esfate 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 oa the Property insuted against loss by fire, hazards included within the term "extended coverage," and any other hazatds including, but not limited to, earthquakes and floods, for w}uch Lender requires insurance. This �nc�rance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuan.t to the preceding sentences can change during the term of the Loan. The �n�,�nce carrier providing the insurance shall be chosen by Bozrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Bortower to pay, in connection witth this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shatl also be responsible for the payment of any fees impased by the Federal Emergency Mauagement 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 may obtain insusance coverage, at Lender's option and Bonrower's expense. Lender is under no obligation to purchase any patticular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Bortower's eqnity in the Properly, or the contents of the Property, against auy risk, hazard or liability an.d might provide greater or lesser coverage tha.n was previously in effect. Bonower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of inc,�r�ce that Bonower could have obtained. Anq amounts disbursed by Lender under this Section 5 shall become additional debt of Bonower secured by t}us Security Inst�ment. 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 requesring payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, skall include a standard mortgage clause, and sha.11 name Lender as mortgagee and/or as an addirional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Bonower shall promptly give to Lendex all receipts of paid premiums a.nd renewal notices. If Borrower obtains any form of in.c�rance 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 andlor as an additional Ioss payee, Iu the event of loss, Bonower shall give prompt notice to the +n�,�rance carrier and Lender. Lender may make proof of loss if not made promgtly by Bonower. Unless Lender and Bonower otherwise agree in writing, any insurance groceeds, whether or not the underlying insutance was requ,ired by Lender, shall be applied to restoration or repair of the 1'roperly, if the restora.tion 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 insuaance proceeds until Lender has had an opporh�niiy to inspect such Property to ensure the NEBRASKA- Singfe Family - Fannle Mae/Freddle AAac UNIFORAA INSTRUMENT ,�'�-6(NEj�oaa9� PagesoF�e in�uais: Form3028 1/01