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200207239 Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower. (a) agrees in wnnng to Nc payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is principal such agreement: (h) comes" 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 enfuacment of the lien while those proceedings are pending, but only until such proceedings are concluded; or Oct secures from the holder of the lien an agreement sansfacpay to lender subordinating the beer to this Security Instr meat. If tender determines that my pan of the Property is subjwt to n lien which can attain priority Over Instrument, is Security Instrument, Lander may give Borrower a notice Identifying the lien. Within IB days of the dateon which that notice is given, Borrower shall satisfy We 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 lot a real estate to verification mid /or reporting service used by Lender It Conceptual al will, ill's Loon. 5. Property Insurance. Borrower shall keep the improvements now existing or Beleager erected on the Pmperty insured against loss by fire, hazards included within the term "extendeal co erage, and any other hiccuds including, bill not limited m, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the interiors pndtoling dedirinlic levels) and for the per that Lender requires. What Lender requires pursuant to the preceding sentences can change dung the term of the Loan. The a suwu e carrier providing the insurance shall be chosen by Borrower subject to Lender s right m disapprove Borrower's choice, which right shall not be exercised unreasonably_ Lender may require Borrower to pay, connector with rhi_s Loan, either. (a) a one-time charge for flood zone determination, certification in dotracking services; or (b) a one -time charge for fiuod zone determination and cerrifiwtion OnviCes and subsequent charges each time remappings or similar changes occur which renaonably might affect such determination or certification . Burrower shall also he responsible for the payment of any fees imposed by the Federal Emergency Management Agency in wnnediun with the re of any flood none determination resulting from an objection by Borrowea vier' Burrower fails to mulmain ery Of the Coverages described above, Lender may obtain insolence erage, at Leader's option and Borrower's expense. Lender is under no obligation to purchase my particular type or tun o tar of coverage. Therefore, such coverage shall cover Lorelei, but might o might not protect Borrower, Borrower's equity in the Property, or the words 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 coverage so obtained might sightform ly exceed the cost of insurance that Borrowe. could have obtained. Any amounts disbursed by I.enter under this Section 5 shall bwome additional debt of Borrower secured by this Security Instrument. 'these amounts shall bear interest at the Note tae from the date of dishursommnt and shall be payable, with such interest, upon notice front Lender to Borrower requesting payment. All mourner policies required by Lender and renewals of such policies shall be subject to Lender's right to dissipater such policies, .shall Include a standard mortgage clause, mid shall name Lender as mortgage and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premium and ewal notices. If Borrower obtains any form of insurance coverage, not ohherise required by under, for damage to, or destruction ol, We Property, such policy shall Include a standanl morigme clause and shall name Under as nuongag a and /or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the Insurance carrier and Lender. Lender nary make proof of loss If not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying Insurance was required by Lender, shall be applied to intuition or repair of the Property, if the restoration or repair is eainnmi wily fcaslhle and Lender's ewcurity Is not lessened. fluting such repair and restoration period, Lender shall hove die right m hold such Insurance proceeds until Lender has had ai opporromy to inspect such Property to ensure the ose) 'soon rmwbmr �� Farm 3028 1/81