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201109333 Borrower shall promptly dischazge any lien which has priority over this Security �nstrument unless Borrower: (a) agrces in writing to the payment of the obligation securefl by the lien in a manner a�eptable to Lender, but only so long as Bonower is performing such agreement; (b) contests the lien in go� 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 w�ile those proceadings aze pending, but only imtil such proceadings are concluded; or (c) s�ures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Se�urity Instrument. If Lender determines that any part of the Property is subje�t to a lien which can attain priority over this Se�urity In,atr�_e!+±, Lender may give Borrower a notice identifying the lien. Within 10 days of tha date on wluch that notice is given, Borrower shall satisfy the lien or take one ar �re of the actions set forth above in this Section 4. Lender may require Borrower to pay a one-time cbarge for a real estate tax verification and/ar reporting service used by Lender in connection with thia Loan. 5. Properiy insarance. Bmrower shall k�p tha improvements now existing or hereafter erec.-te� on the Property insared against loss by fire, hazards included within the term "extended cov�age," and arry other hezards including, but not limited to, earthquakes and fl�ds, for which Lender requires insuranc�. This insurance sha11 be maintaine� in the ainounts (including deducttble levels) and for tha periods that Lender requires. What Lender requires pursuant to the preceding sentences c�n change during the term of the Lo�. The inm carriar providing the ins�u�ance shall be chosen by Borrower subjeat to Lender's right to disapprove Boaower' s choice, which right sha11 not be exercisecl unreasonably. Lender may require Bonower to pay, in coimeckion with this Loaa, either: (a) a one-tima charga for flood zone determina.tion, certification and tracking services; or (b) a on�time charge for flood zone determination and certification services and subsequent charges e,ach time rema.ppings or simil�r changes axur which reasonably might affect such determination ar cerkification. Borrower shall also be responsible for the payment of any f�s imposed by the Federal EmergenoY Management AgencY in connection with the review of any flafld wne determination resulting from an objec;tion by Borrower. If Boirower fails to maintain any of the coverages de.gcn`bed above, Lender may obtain insurance coverage, at Lendet's option and Bonower's expense. Lender is umder no obligation to purchase any pazticular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's e�uity in the Properiy, or the contents of the Property, against any risl� hazard or liability and might provide greater or lesser coverage than was praviously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significandy exceed the cost of insurance that Boxrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instcvment. These aznounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower recluest►ng PaYment• All insurance policies r�uire� by Lender and renewals of such golicies shall be subjer.t to Lender's right to disapprove such policies, shall includa a standard mortgage clause, and shall name I.ender as mortgagee and/or as an additional loss payea. Lender shall have the right to hold the polici� and re�ne�val certificates. If Lender re�uires, Borrower shall promptly give to Lender all re�eipts of paid premiums and renewal notices. If Bonower obtains any form of insurance coverage, not otherwise required by I,ender, for damage to, or destruction o� the Property, such golicy shall include a standard mortgage clause and sha11 name Leuder as mortgagee and/or as an additional loss paye,e. In the event of loss, Bonower sha11 give prompt notice to the insurance carrier and Lender. Lender may make praof of loss if not made promptly by Bonower. Unless Lender and Bonower otherwise agrce in writing, any insurance praceeds, whether or not the underlying insuranc� was r�uired by Lender, shall be applied to restoration or repair of the Property, if the restoration or repair is �onomically feasible and Lender' s security is not lessened. During such repair and restaration period, Lender shall have the right to hold such insurance proceeds until Lender bas had an opportunity to inspe�t such Property to ensure the 2200194778 D V6ANE NEERASKA - Single Family - Fannle Ma�Freddle Mac UNIFORM INSTRUMErIT WIT (�-6A(NE� roa� ol Paee s ot � s i„�t�t Form 3028 1/01 �