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201009246 Borrower shall pramptly discharge any Iien which has priority over this Security Instrument unless Borrower: (a) agrees in writl�ng W the payment af the abligatiun secured by the licn in a manner acceptable ta Lender, but only so loag as Sorrower is performing such agreement; @) contesls the lien in good faith by, or defends against enforcemeni af Ihe lien in, legal proceedin�s which in Lender's apinion vperate tv prevenl the enforcemeut af the lien while lhvse praeeedings are pending, but only until such prviceedings are �oncluded; or (c) sec�res from the holder of ihe lien an agreement satisfactary to Lende� se�bardinating the lien ta thls 5ecurity Irulrument. �t' Lender determines that any part of the Property is subject to a lien which can attain priorEty aver I�tis Security Instxucnent, Le�tder may give Barrawer a notice identifying the lien. Within l0 days of the date on which that nadce is given, Bqrrower shall satisfy the lien or take one or mare of the aCtions set farth abo�e in thls Secdon 4. Lender may require Barrower k� �ay a one�time charge for a real estate tax verificatian andlor reporting serviCe used by Lender in connecifon with ihis Lvan. S. Propecty Iasurauoc. Brn�rower shall keep the improvements now existing ar hereafter erected on Ihe Property insured agaiasi loss by t7re, hazards included within the kerm "extended ooverage." and any olher hazards including, but nat llmlied to, earthquakes and flaods, fnr which Lender requires insurance. This insarance shall be maintained in the amaunts (including deductlble le�els) and for the periods that Lender requires. What I.ender requires pursuant to the preceding senteeces can change during the term of the Loan. The insurance carrier prvYiding the insurance shall be chosen by Sorrower su6,�ect to Lender's right tn disappr�ve Borrawer's chaice, which right shall not he exercised unreasona6ly. Lender may requlre $orrower ta pay, in connecdon with this Loan, either: (a) a ane-tlme charge far flood znne determinatian, certificatian and h�acking servlces; or @) a one-time charge for flaod zane determination and certification sen�ices and subsequent charges each iime remappings ar sirnilar ehanges accur which reasona6ly might affect such determinatlan or certiflcation. Borrawerc shall alsa be responsi62e far thc paymenl of any fees imposed by the Federal Emergency Managernent Agency ia coanection rvith the review af any fload zone determinadan resulting frnm an objection l�y �orrower. if Borrower fails to maintain any of the coverages descri6ed abave, Lender may obtafn insurance ooverage, at Lender's aptian and Barrower's expense. Lender is under no obligation ta purchase any particular type or amaunt af coverage. Thetefare, such coverage shall cover Lender, bul might ar might not pro;eet Borrower, BorrOwer'S equity in the Froperly, or the contents af the Property, against any risk, hazard ar l�ablllty and mi�ht provide greater or lesser caverage than was previvusly In effect. Borrower acknowledges that the cast of the insurance coverage so obtained might significantly exceed the cost of iasurance that Borrower could have o6tained. Any amouats d�sbursed by Lender under this 5ection 5 shall become additional debt of Borrower seeured by this Sec.urlty Tnstrument. These amounls shall bear inlerest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender lo Borrower requesting payment. All insurance polides required by Lender and renewals of such policies shall be suhfect lo Lender's righ� io di�approve sucb policies, shall include a standard mnrtgage clause, and shall name Lender as mortgagee and/or as an addidanal lass payee. Lender shall have the rtght to hnld the policies and renewal certiCcates. If Lender requires, $qrrpwer shall promptly �ive to Lender all receipts af paid premiums and renewal notices. !f Borrower ol�tains any form of insurance corerage, not othenvise required by Lender, for damage la, or destruction vf, ihe Property, such policy shalt include a standard mortga�e clause and shall name Lender as mortpagee and/ar as an �dditional loss payee. ln the event of loss, Bnrrower shall give pmmpt nolIce lo the insurancc carrler and Lender, Lender may make proof of loss if not made prompUy by Barrvwer. Unless Lender and Borrawer �therwise agree in wril�ng, any insur�nce proceeds, whether ar nat the underlying insurance was required by Lender, shall be applied lo restaration ar repair of the Properiy, [f the restoralion or repair is economieaily feasihle and Lender's security ls not fessened. During such repair and restoralian psr�ad, 1.ender shall have the right 10 hold such insurance proceeds until Lender has had an oppartunity to inxpect such Property to ensure the �U112228935Z �CitiMartg,age 3.2.42.07 VS N�RASICA - Singls Family - Fann6o MaelFreddie Mac UNIFdRhA INSTRUMBJT ITH M� �-BA(NE� loe�o► a.q. e or te i�e�.�.: ,��. Form 3D28 1101