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�o��o�o�� Borrower shall promptly dischazge any lien wluch has priority over this Security Instrument unless Boaower: (a) agrees in writing to the payment of the obligation sec�ure� by the lien in a manner acceptable to Lender, but only so long as Borrower is Performing such agreement; (b) contests the lien in gafld faith by, or defends against enforcement of the lien in, legal proccedings which in Lender' s opinion �perate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings aze concluded; or (c) se,cures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If I.ender de�termines that any pazt of the Property is subject to a lien which can attain priarity over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on wluch t1�at notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Seckion 4. I,ender may require Borrower to pay a on�-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Propertq Insurance. Boaower shall keep the improvements now existing or hereafter er�ted on the Properiy insure� against loss by fire, hazards included within the term "extende� coverage," and any other ha�ards including, but not limited to, earthqualces and floads, for which Lendet requires insurance. 'This insurance shall be ma;n�ne� in the �nounts (including de�iuctible leveLs) and far the periods that Lender re�uires. Wl�at Lender requires pursuant to the prec�ding sentences can change during the term of the Lo�. The insurance carrier providing the insurance shall be chosen by Bonower subject to Lender's right to disapprove Bonower's choice, which right shall not be exercised unreasonably. Lender may r�uire 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 chazge for flood zone determination and certification services and subs�uent charges each time remappings or similaz� changes occur which reasonably might affect such determination or certific�,tion Borrower shall also be respansible for the payment of any fees imposed by the Federal Emergency Management Agency in conne�tion with the review of any flood zone deteamination resulting from an obje�tion by Borrower. If Bonower fails to maintain any of the coverages describe� above, Lender may obtain insurance coverage, at Lender' s option and Bonower' s expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not prot�t Borrower, Borrower's e�uity 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 that the cost of the insurance coverage so obtaine� might significantly exceed the cost of insurance that Boirower could have obtained. Any amounts disbursed by I.ender under this Se�tion 5 shall become additional debt of Borrower se�ured by this Security Instrument. These amounts shall beaz 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 subje�t to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgag� and/or as � additionalloss paye,e. Lender sball have the right to hold the policies �d r�ewal certificates. If Lender requires, Bonower shall prompfly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for dunage to, or destruction o� the Property, such policy shall include a standard mortgage clause and shall name Lender as martgagee and/or as an additional loss payee. in the event of loss, Borrower shall give prompt notice to the insurance c�mer and Lender. Lender may make proof of loss if not made promptly by Bonower. Unless Lender and Bozrower otherwise agre,e in writing, any inc,,,�A„� pr whether or not the underlying insurance was required by Lender, shall be applied to rest�ration 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 sha11 have the right to hold such insurance proceeds until Lender has had an opportimity to inspe�t such Property to ensure the 2200173281 D V6ANE NEBRASKA - Single Family - Fannle Mae/Froeddle Mac UNIFORM INSTRUM6�T WfTH MERS — �-6A(NF� (oa�o� Pege 6 of 16 ��a`�.�J '"�'1'(� Form 3028 1/01 �