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��14��975 Borrower sha�� promptly d�schar�e an;y 1�en �vh�ch has priori�y o�er this Security �nstrument unless Borrower: �a} agrees in writing to the paym�r�t of the obligation secured by the iien in a manner acceptable to Lender, but only so 1 ong as Borrower is perf�rming suc�h agreement; �b} cantests the 1 i�n i n good faith by, or defends against enforcement of t�e 1 xen in, legal pr�ace�dings whi ch i n Lender's �pi ni�n operate to pr��en� the �nfarcement of the 1 ien whi le ��ose proceedi n;�s are pending, but only unti 1 �uch pr�ceedi ngs are c�ncluded; �r �c} s�cures from the holder af t��e �ien ap agreernent satisfactory to Lender subardit�ating �he 1 i�n to this Secur�ty Instrument. I f Lender determ i nes 1:hat any par� af the Proper�y is subj ect to a �i en that can attain pri�r�ty over �his Security rnstrument, Lencier ma� give Borravver a notice identifying the lien. Within �0 days of the date on which that notice is gi��n, Borrower shall sat�sfy the �ien or take one or mare of the actiar�s set forth abo�e in this S�c�ion 3. Le�der may requi re B arrower to pay a one-ti me e harge for a reat estate tax �eri f cati on andlar report�ng ser�ice used by Lender in connection with this Loan. 4. Property Insuran�e. Borr�wer �hall keep the �mpro�ements now existing or h�reafter erec�ed an the Property insured aga�n�t loss by fire, ha2ards inc�ud��d within the r�rm "e�tended coverage," and any other hazards i nc 1 udi ng, but not I i m ited �o, earthquakes arid fl oads, f�r whi ch Lender req ui res i nsurance. This �nsurapce sha�� be maintained �n t��e �moun�s �in��uc�in� deduc�ible le�eIs� and for the periads that Lepder requir�s. �ha� Lender requires pur�►uant�o the preceding sentences can change during the term of �he Loan. The insurance carrier pro�iding the insurance s�-�all be chosen by Borrow�r subjec� to Lender's right t� disappro�e B�rr�wer's ch��ce, which right shall no� be exercised unreasanably. Lender may require Borrower ta pay, �n connection with �his Loan, either: �a� a one-time charge far flo�d zone determ�natian, cert�f cation and�racking serti�ices; or(b�a�3�e-time charge for f�oad zone determinati�n and certification ser�ices and subsequen� char�es each time re�l�appings �r s�rnilar changes accur which reasanab�y might affect such determinat�or� �r certif cati�fn. Barrawer shall alsa be resp�nsible for the payment af any fees imp�sed by the F�dera� Emergency Managemen� Agency in ��nnectifln vvith the re�iev�r of any fl�od z�ne determination resu�ting frorn an o�fjec�ian by Borrower. If B�rrower fai ts t� mai ntai n any ❑f t he �o�erages �iescri bed ab�ve, Lender may abtai n �nsurance cav�rage, at Lender's option and Borrower's �xpense. Lend�r is under n� obligatian to purchase apy particular type ar am�unt of coverage. Therefnre, such co�erage shall co�er Lender, bu� migh� or mi�ht not protect Borrower, Borrawer's e�uity in the� Property, c�r ��he Gon�ents of �he Property, against any� risk, hazard �r liability and m�ght pro�ide great�r or lesser co��erage than was pre�iously in effect. Borravver ackn�vvledges that the cost of the insuranc� co�erage so ��btained might significantl� exce�d �he c�st �f insurance that Borrower c�uId have abtained. Any amount�; disbursed by Lender under this Section 4 also sha11 �ecome add�tional debt secured by this Security Instr�ument. These amounts s�lall bear interest at the ra�e applicable tn the Debt �nstrument fr�m time �o time, from the date of disbursement and shatl �e payable, with such in�erest, upon n�tice from Lender ta Bar�-awer requesting paymen�. All insurance p�licies re�uir�d by Lenc�er and renewa�s of such policies s�all be subje�t �o Lender's right to disapprove such po�i�ies, shall inc�ude a standar�3 mortgage clause, and shall name Lender as mortgagee andlor as an additi�nai loss pay�e and Borrov��er fur�her agrees to generally assign rights to insurance proceeds to the holder af the Debt Instrument�xp t� the amoun� of the outstanding balance of�he Laan. L1pan Lender's request, Borrower s�all prampt�y �,��e to Lend�r copies af al1 poiicies, renewal certif cat�s, receip�s of pa�d premiums and renewa� nntice:s. �f Barr�wer obta�ns any f�rm Qf insurance co��rag�, not otherwise required by Lender, for damage tQ, c3r destructi�n of, the Property, such policy 5ha11 inc�ude a standard rnartgage clause anc� shall name L��nder as rn�rtgagee andlor as an additional l�ss payee and Borra�ver further agrees t�generally assi�n rights ta insurance proceeds to the holder of the Debt Instrument up t�the amount of the outstandirig ba�ance of the Iroan. In the e�ent af�oss and subject ta the rights of any li��nh�lder with rights to insurance pro�eeds that are superi�r to Lender's rights, the fo�1 owi ng pr��i si ons in this 5 ecti on 4 sha�1 ap ly. B o rower shal� gi�e Borrower Initia� �2�14 G ua�'dla�DoCS �page 4 nf 13 pages� NE�lased-End 3unior Lien S�curity Instrument(i 2/23/201�) H�#4829-�G45-�45G � I � � � � ! � � � � ■ � ■ �