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201211145 Borrower shall prompdy discharge azry lien which has priority over Uris Security Instrument unless Borrower: (a)agrees in wridng to the payment of the obligaHon secured by the lien in a manner acceptable to Lender,but only so long as Bonower is performing such agreement; (b)contests the Hen in good faith by, or defends against enforcement of the lien in,lega(proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending,but only until such proceedings aze concluded;or(c)secures from the holder of the Hen an agreement sadsfactory to Lender subordinating the lien to this Security Instrument.If Lender determines that any part of the Propeity is subject to a lien which can attain priority over this Securlty Inshvment,Lender may give Borrower a notice identifying the lien.Wit6in 10 days of the date on which that nodce is given,Borrower shall satisfy the lien or take one ar more of the acflons set farth above in this Section 9. Lender may require Bonower to pay a one-time charge for a real estate ta�c verificaHon and/or reporhing service used by Lender in connecflon with this Loan. 5.Property Insuraace.Borrower shall keep the improvements now existing or hereafter erected on the Property 9nsured against loss by f?re, hazards included within the term "e�ctended coverage," and any other hazards including, but not limited to, earthquakes and floods, for wlrich Lender requires insuiance. TLis�nc��*ance shall be maintained in the aznounts (3ncluding deducdhle levels) and for the pedods t6at Lender requ9tes.What Lender requires pursuant to the preceding sentences can change during the term of the Loan.The insurance carrier pmviding the iasurance shall be chosen by Borrower snbject to Lender's right to disapprove Bocrower's choice, which right shall not be exercised unreasonably. Lender may require Bonower to pay, in connec8on with this Loan, either: (a) a one-time charge for tlood zone determination, certification and tracking services; or (b) a one-t3me charge for flood zane determinaflon and certification services and subsequent charges each tlme remappings or similar changes occur wluch reasonably might affect such determinaflon or certification. Borrower shall also be respoasible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determinaflon resulting from an objecHon by Borrower. If Borrower fails to maintain any of the covenges descrlbed a6ove, Lender may obtain insurance coverage, at Lender's apflan and Borrower's e�cpense. Lender is under no obHgation to purchase any particular type or amount of coverage.Therefore,such coverage shall cover L.ender,but might or might not protect Bonower,Borrower's equity in the Property,or the contenfs of the Property,against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance covenge so ohtained might significandy exceed the cost of insnrance that Borrower could have obtained.Any atnounts disbnrsed by Lender under this Section 5 shall become addiHonal debt of Borrower secured by this Security Instrument.These amounts sLall bear interest , at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender to Bonower requesting payment. All insurance policies required by Lender and cenewals of such policies shall be subJect to Lender's dght to disapprove such policies, shall include a standatd mortgage clause, and shall name Lender as mortgagee and/or as an addiflonal loss payee.Lender shall have fhe right to hold the policies and renewal certificates.If Lender requires,Borrower shall prompUy gIve to Lender all receipts of paid premiums and renewal notices. If Boaower obtains any form of insurance caverage,not otherwise required by Lender, for damage to, or destrucfion of, the Property, such policy shall 9nclude a standard mortgage clause and shall name Lender as mortgagee and/ar as an additional loss payee. In the event of loss,Borrower shall give prompt notice to the insucance carrier and Lender.Lender may make proof of loss if not made prompdy hy Boaower.Unless Lender and Bonower otherwise agree in writing,any insurance proceeds,whether or not the underlying insurance was requited by Lender,shall be applied to restoration or repair of the Property,If the restontion or repair is economically feasible and Lender's security is not lessened.During such repair and restoraHon period,Lender shall have the rigltt to hold such insurance proceeds unffi Lender has had an opportunity to inspect such Property to ensure the 92285639 0086307519 N�RA�CA-Single Family-Fannie Mae/�ldle Mec UNIFORNI INSTI�1MBdT WI MB3S �-6A(NE�(aaiol Page 6 of 15 in�ua�s: � Fartn 8028 1/01 �