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20�20�07� Borrower shall promptly discharge any lien which has priority over this Security Insmiment 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 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 enforcement of the lien while those proc.e�dings are pending, but only until such proceedings aze concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Se,curity 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. @Vithin 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-time charge for a real estate tax verificarion andlor reporting service used by Lender in conn�tion with this I.oan.. 5. Property Insutance. 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 liurited to, earthquakes �d �Ioads, far wluch LeIIder requires iffiurance. Thi;s insurance shall be maintained in the amounts (including deductible Ievels) and for tke peri�is that I.ender requires. What Lender requires putsuant ta the �ing sentences can cTiange c�uriag the terffi of tt�e i.oan. The insurance camer providing the insurance shati be chosen by Borro�arer subject to �.ender's right to disapgrove Barrower's choice, which right shall not be exercised unre�aso�bty. Lender may rec}uire Borrower to pay, iB connection with this Loan, either: (a) a one-ti� c�rge for IIcwd •a.one determination, certification aaa tracldng services; or (b) a one-time charge for fic� z�r,� determ�ation and certificarion services az�. s�bsequent cfiarges eac� t� remaFPir�gs or si�Z�r cha�ges occ�.E �+�eich reasonably might affect sucls determinarion or certific�tirn�.. Borrower shall alsca be respansible for tt�e payment of any fees imgosed by the Feder�t F.snergeacy Management Age�cy iz� co�tion with the review of any fIaod zone determination resulting from aa objection by Borrower. If Borrower fails ta main ain any of the caverages �escrt'beci above, L,eII�er m�y obtain insurauce coverage, at I.ender's ogtion and Borrower's exgense. Lender is under no obligation to purchase any particular type or amourn of coverage. Therefore, such coverage shatl cover L.�nder, but might or might not protect Borrower, Borrower's equiry in the Property, or the contenxs of the Property, against any risk, }�aaard or liabitity and �ght provide greater or lesser coverage thaa was greviousIy ia effect. �orrower aclmowIedges tiiat ttie cost of the insuxance coverage so obtainerl might signifcantiy exc.eed the cost of i�u�ance that Borrower could have obtained. Any amounts disbursed by Lender uncter this Secrion 5 sl�aii become additional ciebt of �orrower secured by this Security Instrument. These amflunts shall bear interest ai tlie Note rate from the date of disbursement and shail be payable, with sucl� interest, upon notice from T.ender to Borrower requesting payment. A11 insurance �licies required by Lender and renewals of such policies shall l� subje,ct to Lender's right to disapprove such golicies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the �licies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all r�eipts of paid premiums and renewal notices. If Bonower obtains any form of insurance coverage, not otherwise required by Lender, 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 addirional loss payee. In the event of loss, Bonower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance praceeds, whether or not the underlying insurance was required by Lender, shall be applied to 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 Lender has had an opportunity to inspect such Property to ensure the Initials: �-6G(NE) 100051.0� Page 6 of 15 Form 3028 1/01 0