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200909726 Borrower shall promptly discharge any lien which has priority over ibis Security hntrvmeni unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a meaner acceptable to Lender, brit 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 enforeernerrt of the lien while those proceedings are pending, but only un1i1 such proceedings are concluded; or (c) secures from the balder of the lien an agreement satisfactory to Lender subor+tbnating the lien rv this Security hlshument If Lender determines that any part of the Property is subject to a lien which can aUain priority over Wis Security hlstrurreni, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Leader may require Borrower to pay sore-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 fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, For which Lender requires insnrarrce. This insurance shall be maintained in the amounts (irrcludwng deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of We Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right b disapprove Rorower's choice, which right shall not be exercised unreasonably. Lender may require Borrower io pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and lracldng services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappir~s or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Fanergency Management Agency in connection with the review of any flood zone determination restating from an objection by Borrower. U Borrower fails to maintain any of the coverages described above, Lender may obtain imurance 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 shall cover i.errder, but might or might not protect Borrower, Borrower's equity in the Property, or the conterris of the Aoperty, against arty risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance cover~;e so obtained might significantly exceed we cost of insurance that Borrower coWd have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security h>slnunent. 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 b Lender's right to disapprove such policies, shall include a standard mortgage clause, acrd shall name Lender as mortgagee and/or as au additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coveraige, not otherwise required by Lender, for damage to, ar 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, E~orrower shall give prompt notice to the insrrrsurce carrier and Lender. Leader may male proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any tnsurarrce proceeds, whether or not the urdcdying insurance was reyuired by Lender, shall be applied t4 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 Tender has had an opportunity to ir>,spect such Property to ensure the 001120991870 CitiMortgage 3.2.27.13 VS NEBFIASKA -Single Fatuity -Fannie MaelFreddie Mac UNIFORM INSTRUMENT W~ -BA(N~ losio~ ~ 8 W 18 i~is~ Form 3D28 1lD1