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200600025 Borrower shall promptly discharge any lien which hall priority over thifil Security In!>iIwnent unless Borrower: (a) agrees in writing to the paymc:nJ. of ll1e obligation secured by the lien i.n a manoel.' acceptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by. or d.efends against enforcement of the Hen in. legal proceedings which in l..<:n.dcr'.'l opinion operate LO prevent the enforcement of the lien while tbo$e proceedings are ~dIDg. but only until such proceedings are concluded; or (e) $CCUtc$ from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is !>'Ubject to a lieu which caJ) attain priority over this Security Instrument. Lender Tn<iY 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 set forth above in this Section 4. Lender may require BQrrower to pay a one-time charge for a real estate tax vcri'flcaLion and/or reporting service used by Lender in connootion with this Lo:m. 5. Property IDsuraDce. Borrower ~&l1 keep the improvements now existing or hereafter erectCd on the Property m'UJTcd again!>1 loss by frre. hazards included within the term "extended covt,'Tage.. and any other h~ iDclutliIli, but not limited to, earthquakes and. floods. for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. WhaI Lender requlres pursuant to the precedin8 sentences can change during the term of the Loan. The ills.:arance carrier provid.ing the insurance sh311 be chosen 1;Jy Borrower subject to Lender's righ~ to d.jsapprove Borrower's choice, which right shall nOl be exercised. unreasonably. Lender may require Borrower to pay, ill COnnection with this Loan, either: (a) a one-time charge for tlQOd ?.(lne delermination. certification and tracking services; or (b) a one-lime charge for flood zone detenniI:l.1.tion and certification scrviCt":.,~ and subsl;!quent cb.a.rge5 each time remappings or similar changes occur which reasonably might _ffect sllCh determination or certification. Borrower shall &1&0 btl Tl,.~'JX.>nsible for the payment of any fees imposed by the Federal Emc:rg~cy Management Agency in connection with the review of any :flood zone dctcrrnirtaJ.iOn rr;:::;ulting from an objection by Borrower. If Borrower fails to maintain allY of the coverages described above, Lender may obtain insurance coverage, al Lt.-nder's option and Borrower's expense, Lender is under no obligatiOD to purchase any particular type or amount of CQveI'age. Therefore, such coverage shall cover Lender. but might or mighl not protect- Borrower. Borrower's equity in the Property. or the contents of the Property, against any risk, hazard or liability and might provide grelltet or lesser coverage than was previously in effect. Sorrower acknowledges thal the cost of the insurance coverage so obtained might signiJieantly exceed. the cost of insurance that Borrower could have obtained. Any amounts diSburSed by Lencler woer tbis Section 5 shaI1 become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the da1c of dishunlement and shall be payable, with such interest, upon notiec rrom Lender to Borrower reque.-ning pa.yment. All insurance policies required by Lcnclcr and renewals of such policies shall be subject to Leoder's right to disapprove such policies, shall include a st.:"mdard mortgage clause, and shall m.une Lemler as mongagee and/or as an additional loss payee. Lender !:Ihalll1ave the right to hold the policies and renewal cenificates. If Lender requires, Borrower ~IJ promptly give to Lender all receipts of paid premiums and renewal :notices. If Borrower obtains any fonn of insurance COVCTage, not othct'Wise required by Lender. for damage to. or destruction of. the Property, such policy shall include a standard mongage clause and shall name Lender as mortgagee and/or as an additionallos..~ payee. In the event of loss, Borrower .'lha1J give prompt notice to the insurance carrier and Lc:ndcr. l...cnder may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proccc::(l.s. whe~ber or Dot the underlying insurance was required by Lcn(ler. shall be applied to restoration or repair of the Propeny, if the resLoration or repair is economically feasible and Leoder's security is not lessened, Outing lIUCh repair and restoration period, Lender sh.:'l11 have the right LO hold such insurance proceeds WltiJ Lender has had an opportunity to inspect such Property to tnllure the t(~ Inlt~",;7((.t;:J 0512096854 e-6A(NE)COIl07, ~ P"lle 6 '" 15 Form 3028 1/01 1.80'd W8188<::918 31~1~ ~SHI~ A~IHnJ3S l.8:81 900<::-91-JSO