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�a�2o�� Borrower shali promptly disc;hatge any lien which has priority over tbis Security Tnstrument vnless Borrower: (a) agrees ici writing to the payment of the obligatioa secured by the Iien in a nnanner acceptabie to Lender, but only so long as Borrower is performing such agreement; (b} contests the lien in goad faiih bp, ar defends against enforcement of the lien in, Iegat proceedings which in Lender's opinion operate to prevent the cnforcement of the lieo while those proceedings are p�nding, but only unkil such proceedings are conetuded; Qr (c) secvres fram the hdder of the lien an agreement satis£actory to Lendez subordinating the lien to this Security Instrument. If Lendar determines that any gaxt of the Propert}� is subject to a lien which can attain priority over this Security Insirnment, Lender may give Borrower a notice identifying the lien. Within 10 days of the date an which that natice is given, Borrower shail satisfy the lien or take one or more af the actions set farth abc�ve in this Section 4. Lender may require Borrower to pay a one-time charge for a real estate tax verifccation and/or reporting service used by T..ender in connection with this Lc�an. 5. Pnaperty Insuranee. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against ioss by �re, hazards inctuded wzthin the term "extended cflverage," and any other hazards includin,�, but not limited to, earihquakes and fioods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including dedudible levels} and for the periods that Lcader requires. What L,ender requires pursuant ta the preceding sentences can change during the term of the Loan, The insurance rarrier providing the znsarance shali be chasen 6y Barrower subject to Lendet's right to disapprc�ve Borrtiwer's choic�, which right shall not be exercised unreasonably. Lender may require Iiorrower to pay, in connection with this Loan, eiiher: (a) a one-time charge Yor fiood zone determinati�n, c:ertificatian and tracking services; or {b} a one-time charge far fload zone determination and certification services anci subsequent charges each time remappings ar similar changes occur which reaSOnably might affect such determination or certificati�n. Borrower shall also be responsible tor ihe payment of any fees impased by the Fer.ieral Emergency Management Agency in ccannection with �hs review of any flood zone determination resulting from an objection by Borrower. If Borrower fails ta maintain any af the coverages described above, Lender may obtain insurance coverage, at Lender's aptron and Borrower's expense. Len@er is under no obligation to purchase any particular ty,�e or ainount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect I3orrower, Borrower's equity in the Property, or tha contents of the �'raperty, against any risk, hazard or liability and might provide greater or lesser coverage than was previonsly in effecl. Borrower acknowlc:dges that the cost of the insuxance coverage so obtained might sia ificantiy exceed the cost of insurance that Borrower could have obtained. Any amounis disbursed by Lender under this Section 5 shal] become additional debt of Borrower secured by this Security Instrument. These amounes shali bear interesi at the Note rate from the date of dzsbursement and shall be payab3e, with such interest, upon notice Irom Lender tt� I3orrawer requesting gayment. All insurance palicies required by Lender and zenewals of such policies shall be subject to Lender's right to disapprove such �licies, shall include a standard mortgage clause, and shall name I.enfler as martgagee and!or as an additional loss payee. T.eader shall have the right to hold tha policies and renewal certificates. If Lender requires, Borrower shali pr�mptty give ea Lender all receipts of paid premiums and renewai notices. If Boxrower ohtains any form of insurance c:overage, not otherwise required by Lender, tor damage to, nr destruckion of, the Properly, such palicy shafl include a standarc! mortgage clause and shai! name Lender as morigagee andlar as an additional loss payee. In the cvent of loss, Borrower sha3t �ive prompC notice to the insurance carrier and Lender. Lender may malce proof of loss if not made pramptiy by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurar�c� proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoralion or repair af the I'roperty, if the restoration or repair is ecoaomically feasible and Lender's security is not lessened. Durirtg such repair and restozation period, Lender shall have the right lo hold such insurance proceeds un[il Lender has had an opportunity to inspect such Property to ensure ihe 12-06-O�d124 [dEBAASItA - Single Family - Fannie I�aelFreddle iNac UNIFORM [N&7HU�EiVT WiTH @AERS �-BA(NEj cosi o} Page s of �s form 3028 11q1 � .� J