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2010�9120 Borrower shatl promptly d'►sch�rge any lien which has priority vver this Serurity Instrument unless Borrower: (a) agrees in writing to the payment af ihe obligation secured by the lten in a manner acceptable ta Lender, but anly so long as Bacrower is perfarming such agreement: (b? cantests the lien in good faith by, or defends against enforcement af the lien tn, lep,al proceedir�gs which in Lender's apinion operate ta prevent the enforcemEnt of the lien while those proceedings are pending, bu� anly until such proceedings are concluded; ar (c) secures from the halder af the lien an agreement sat�sfactary ko Lender subordinating the lien ta ihis 5ecurity Instrument. If Lender determiaes thal any part of the Prvperly i� subject to a lien which can aliain priarity aver this Security Instrument, �.ender may give Barrawer a nolice identifying the tie�, Withln ID days af the date on which �hat nntice iy given, Borrowee shall satisfy the lien or take one or mare af the acliuns set Farih above in this Sectir�n 4. l.ender may require Borrower to pay a one-lime charge for a real estate tax vert�3catian andlor reparting serviCe used by Lender in connection with this Loan. 5. Pr�perty Insuranae. Surrawer shall keep the improvements now existing nr hereaf'ter erected on the Property insured against�o5s by fire, hazardsincluded within the ierm "extended coverage," and any ather hazards including, bvt noc limtted to, earihquakes and floods, for which Lender requires insurance_ This insurance shall be Enai�rt�in�d in the amduntS (including deductible level5) and far the periods that Lender requires. What [,end�r requires pursuant tn ihe preceding sentences can ehange during the term of the I.,oan. The insurance carrier pravidin� �he insurance shall he chosen hy Barrower subject to Lender's right ta disapprove $arrower's ct�aice, whiCh t'ight shall t�ai be exerGised unreasanably. Lender rnay require 13arrawer to pay, in connection with ihis Laan, either: (a) a One-iim� charge for flvod zon� determinatian, eertification and tracking services; ar (b) a one-tirne charge for flood wne deiermination and certification services and subsequent charges each iirrte remapping� or similar chan�es occur whiCh reasonably mighi affect sueh determination vr certiCcativn. Borrawer shall also 6e respansible for t1�e payment af any fees impased hy the Federal Emergency Management Ag�ncy in canneclian with Ihe review of any �lood �one determinatian resulting frqm an abjectian hy Barrower. lf Borrower fails to maintain any of the covera�;es described abave, �.e�der tnay obtain inxurance coverage, at Lender's aption a�d Sorrower's expense. Lender is under no obligatian tv purchase any particuiar type ar amuunt of caverage. Therefore, such c�verage shall co�er Lender, but might or might not protect Borrnwer, Borrawer's equity in the Praperty, or �he contents af the Prap�rty, againsl any risk, hazard ar lia�ility and might pra�+ide �reater ar lesser coverag� than was previously in effect. Borrower acknowiedges that the cost of the insurance cnverage sa ohtained mighi significantly exceed the cast af insurance that Barrawer could have obtained. Any ampunts d�shursed by Lender under this Section 5 shall becorne additional d�hi of Borrower secured by ihis 5ecurity Instrurnent. Th�se aroaunls shall bear interest at the Note rate from the date vf disbursement and shall �e payabl�, with su�h interest, upon notiee from Lender to Borrawer requestin� payrnent. Alt i�isurance policies required by Lendec and renewals �f such palicies shall be subject to I.ender' � righi ta disapprove such policies, shall include a standard morlgage c1au�Se, and shall nam� Le�der as marigagee and/or as an addidonal loss payee. Lender shall have the right to hold the policies and rencwal certifirates. [f Lender requires, Borrower shall promptly give to Lender all re�ceipts af paid premiums and renewal notices. It' Borrower ahtains any farm af insurance coverage, nat viherwise required by l.ender, for damage tcr, ar destcuction of, the Property such policy shall include a standard mvrigage clause and shall name Lender as mortgagee andfar as an additianal lass payee. In the event of loss, Sorrower shall gi�e prampt notice ta the insuranee carrjer and Lender. Lend�r rnay make praof of lass if not made prnmptly by Borrower. Unless I.e�der and Borrnwer ntherwise agree in writing, any insurance proceeds, whether or nni tlie underlying insurance was required by Lender, shall h� applied to restora#on or repair vf the Pcoperly, if the restaratian ar repa�r is ecanomically Feasible an� i.ender's security is nat lessened. during such repair and restoratian period, Lender sha11 have the righi ro hatd sueh insurance proceeds ur�til Lender has had an appartunity to inspect such Fraperiy to ensure the 00112?.26743� CitiMortgage 3.Z.d2.07 V4 IV�RA�KA • Single Family - Fannfe MaelFreddie Mae UfdIFORM IIJSTF�IJMBdf WITH M� � (aatiol rsge s or rs �nitia�s: F01'r1� 30�8 i/01