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200210144 Borrower shall promptly discharge any lien which ins prinrily over this Security instrument unless Borrower: (a) agrees in writhe to the payment of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enfrn'ocmcnt of the lien in, legal pioceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; re (c secures from the holder of the lien au agreement satisfactory to Lender subordinating the lien to this .Scenrip Inslnu u,el, If Lender determines that any part of the Properly is subject to a lien which Lan attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given. Borrower shall satisfy the lien or take one or more of the actions x; forth above in this Section 4. Lender may require Bonowet to pay a one -time charge for a real estate tax verification and /or reporting service used by Lender in connection with this Lean. 5. Properly Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards includtns, but nnI limited le, earthquakes and floods, for which Lender requires insurance. This insurance shall by maintained in the amounts Qnchiding deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan_ the insurance carrier pnnddiug the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for Bond time determination, certil'iratiou cud backing services; or (b) a one -time charge for flood zone determination and cerNlcation terviecs and suhscqucnt charges each time iemappings or similar changes occur which reasonably might often such determination or ceriifhualion. Burrower shall also be responsible for the payment of any Icm imposed by the Federal Emergency Management Agency in connection with the review of any flood /ore dctenuir,won resulting from an objection by Borrower. If Borrower fails to m :nntatn any of the covcragca described above, Lender may obtain insurance coverage at Lender's oplion and Borrower's expense- Lender is under no obligation to purchase any particular type of :111]OWll of oocotauce, Therefore, such coverage shall cover Lender, but might or might not protect Borrower_ Borrower's equity lu the Property, of the contents 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 obained might significantly exceed the cost of insurance that Borrotscr Could hate obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of ha io vet secured by this Secunp Instrument. These amounts shall bear interest at the Vote rate lams she rime of daeblesement and shall he payable, with such interest, upon notice from bender tit Hill aquestins payment. All insurance policies ruqulcd by Lender and renewals of such policies shall be subject to Lender's right to disapprove such politics. Shull incude a standard mortgage clause, and shall name Lender as mortgagee and /or as uu additional loss pasta Lender shall htrve the right to hold We policies and renewal certificale,. If Louder recleu, Borrower shall promptly ,i%c to Lender all receipts of paid premiums and renewal notices. it Itoirowcr obtain] atop form of insumncc coverage, not otherwise required by Lender, for damage to, of dc,imcuon nl_ the Property, such policy shall include a standard mortgage clause and shall aatuc Lender a, mo rtguccc andror as an additional loss' payer_ In the CVmtl of lush, Boranaer shall 81st prompt notice to the insurance carrier and Lender. Lender may make pool ni loss i1 not trade pruurytly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurtce proccetls_ whether or not the undurlylng insurance was required by Lender, shall be applied to resloralon ca repair of the Property. it the "loration or repair is economically feasible and Lender's securitq is not Icsscucd. Dunn, such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lcudci has had an opportunity to inspect such Property to ensure the -BINEI moos, .,m �X iii F,in 3028 1101