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2010U8402 Borrower shall prornptly discharge any lien which has priority over this Security Instrument unless Borrower: (a) agrees in w�iting to the payment nf the obligation secured by the lien in a manner acceptahle ta Lender, but only so lang as Borrower is performing such agreement; (b) contests the lien in good faith by, or de£ends against enfoxcement of the lien in, legal proceedings which in Lendear's opinion operate to prevent the enforcernent af the lien while those proceedings are pending, but only until such proceedings are concluded; ar (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 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. Lender may require Borrower to pay a one-tirne charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Inauarance. Borrawer shall keep the improvernents now existing or hereafter erected on the Property insured against loss by �re, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including dednctible levels) and for the periods that Lender requires. What Lender requires 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 require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certi$cation 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. Sorrower shall also he responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting From an objection by Sorrower. If Sorrower fails ta maintain any of the coverages described above, Lender rnay obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation ta purchase any particular type or arnount of coverage. Therefore, such coverage shall cover Lender, but rnight or might not protect Borrower, Borrower's equity in the Property, or the contents of the Froperty, 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 obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts dishursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Tnstrument. 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 $orrower requesting payment. All insurance policies required by Lender and renewals of such policles shall be subject to Lender's right to disapprove such policies, shall include a standard xnortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. I..ender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts af paid premiums and renewal notices. If Borrower obtains any form of 9nsurance coverage, not otherwise required by I,ender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Sorrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Froperty, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 001122236652 Cit�Mortgage 3.2.42.07 Vll N�RASKA - Single Family - Fannle Mae/Freddle Mac UNIFORM INSTRUMENT WITM�� �$A(NE� (0810) Page 6 of 75 �nitia�s: � Fo�m 3028 1/07