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2� 1 ��7�25 by,or defends against enforcement of the l�en in, legal pr�ceedings whi�h in Lender's op�nian operate ; to prevent the enforcement�f the lien while those proceedings are pending,but only until such proce�dings � are concluded;or(c}secures from the holder of the li�n an agreement satisfactory to Lender subordinating � the lien to this Security Instrument.If L�nder determines that any part of the Property is subject to a lien which can aitain priority o�er this Se�urity Instrument,Lender may gi�e Borrower a notice identifying the lien. Within 1�days of the date on which that notice is gi�en,Bnrrower shall satisfy the �ien or take � one ar mor�of the actions set forth abo�e in this Sectian 4. Lender may require B�rrower to pay a one-time charge f�r a real estate tax�erification andlor reporting ser�ice used by Lender in�onnectian with this Loan. 5. P ro pe rty �ns u ra n ce. Borr�wer shall keep the impro�ements now existing or hereafter erected on � the Praperty insured against Ioss by fire,hazards included within the term"extended co�erage,"and any other hazards including,�ut not limited to,earthquakes and�loods,for which Lender requires insurance. � This insurance shall be maxnta.ined in the amounts�including deductibl�le�els}and for the peri�ds that ' Lender requires. What Lender requires pursua.nt ta the pre�eding sentences can change during the term of the Loan.The insurance carrier providing the insurance sha�l�e chosen by Borr�wer subject to Lender's right to disappro�e B�rrovver's choice,whiCh right sha��not be exercised unreasonably. Lender may � require Barrower�o pay, in connectian with this Laan, either: (a}a one-time charge far flaod zone � determinati�n,certification and tracking ser�ices;or�b}a one-time charge far flaod zone determination ; and certif cation ser�ices and subsequent charges each time remappings or similar changes oc�ur which � reasonably might affect such d�t�rmination vr certificatian. Borrower shall alsa Ue responsible far the payment of any fees imposed�y the Federal Emergency Management Agen�y in cannection with the re�iew af any flood zone determ�natian resulting from an objection by Borrawer. If Borrower fails to mainta.in any of the coverages d�scribed abo�e,Lender may obta.in insurance coverage, at Lender's aption and B�rrawer's expense.Lender is under no obligation to purchase any particular type or am�unt of co�erage.Therefore, such coverag�shall co�er Lender, but might or might not protect Borr�wer,Borrawer's eyuity in the Property,�r the contents of the Property,against any risk,hazard or liahility and might pro�ide greater or lesser co�erage than was pre�iausly i.n effect.Borrower a�kr��wledges that the cost of the insurance c�verage s�abta.ined might significantly exceed the�ost of�nsurance that Borrovver cau�d have obta.ined.Any amounts disbursed by Lender under this Secti�n 5 shall become add�tional debt of Borrower secured by th�s Security Instrument.These amounts shall bear interest at the Note rate fr�m the date�f disbursement and shall be payable,with such interest,upon nat�ce from Lender to Borrower requesting payment. AIl insurance policies required by L�nder and renewals af such pvlicies sha��be subject to Lender's right to disappro�e such p�licies,shall include a standard mortgage clause,a.nd shall name Lender as mortgagee andlor as an additional��ss payee.Lender shall ha�e the right to hald the po�icies and renewal c�rt�ficates. If Lender r�quires, Borrower shall promptly gi�e to L�nder all receipts af paid premiums and renewal notices. If Borrower obta.ins any form�f insurance coverage,not otherwise required by Lender, for damage t�,ar destruct�on of,the Property,such policy shall include a sta.ndard mortgage clause and shal� name Lender as mortgagee andlor as an additional loss payee. In the��ent of loss,Barrower shall gi�e prompt notice to the insurance carrier and Lender. Lender may make proaf of loss if not made promptly by Borrower.Unless Lend�r and Barrower otherw�se agree in 11388�7543 11f15 VMP� Walters 1{luwer Financiai 5ervices 201510311 fi.1.�.3537-J2�1 fiQ219Y Init�als: Page fi af 17 �[11 1 *