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�oiioo4so Barrower shall prompily discharge any lien which has priarity over this 5ecurity Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrawer is pert'orming such agreement; (b) contests the lien in good faith by, nr defends against enforcement af the lien in, legal proceedings which in Lender's opinion aperate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder af the lien an agreement satisfactory to Lender subordinating ihe lien to this Security Instrument. If Lender determines that any part of the Praperty is subject to a lien which can attain priority over this Security Instrument, Lender may give Barrawer a notice identifying the lien. Within 10 days of the date an which that notice is given, Barrower shall satisfy the lien or take one or more of the actions set forth above in this Sectlon 9. L.ender may require Barrower to pay a one-time charge for a real estate tax veril3catinn and/or reporting service used by Lender in connection with this L.oan. 5. Property Tnsurance. Borrower shall keep the improvements now existing or hereafter erected an the Property insured againstloss 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 insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant tn the preceding sentences can change during the term of the Laan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprave Borrower's cholce, which right shall not be exercised unreasonably. T.ender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-tlme charge for flood zone determination and certificatian services and subsequent charges each time remappings ar similar changes occur which reasonahly might aftect such deternr►ination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Managetnent Agency in connection with the review of any flaod zone deternnination resulting frotn an abjection by Borrower. If Borrnwer fails to maintain any of the cuverages described abave, Lender may obtain insurance coverage, at Lender's option and Barrower's expense. I.,ender is under no abligation to purchase any particular type nr amount of coverage. Therefore, such coverage shall caver Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents nf the Property, against any risk, hazard ar liability and might provide greater ar lesser coverage than was previously in effect. Borrower acknawledges that the cast of the insurance coverage so obtained might significandy exceed the cost of insurance that Borrower could have obtained. Any ampunts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amnunts shall bear interest at the Note rate frarn the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payrnent. All insurance paliciss required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name L,ender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If I.ender requires, B4rrower shall prompdy give to �,ender all receipts of paid prerniums and renewal natices. If Borrower obtains any farm of insurance caverage, not otherwise required by T�ender, for damage to, or destruction nf, 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 natice to the insurance carrier and I,ender. Lender may make proof of� loss if not made pcamptly by Borrower. Unless Lender and Borrawer otherwise agree in writin�, any insurance proceeds, whether or not the underlying insurance was required by �.ender, shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's securiiy is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance praceeds until Lender has had an opportunity to inspect such Property to ensure the Q011223059"11 CitiMortgage 3.2.43.08 V4 NEBRASKA - Single Family - Fannie Mae/Freddle Mac UNIFpRM INSTRUMENT WI7H MB�S ��A(Nq �osio� Page 6 oF 15 Initials: � FOflll $d'Z$ 1l01 �r s