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200706105 Borrower shall promptly discharge any lien' which haS priority over this Security Instrument unless Borrower: (a) agrees in writing to the payment of the obligation secured by the lien ina manner acceptable to Lender,but only so long as Borrower is petfonning such agreement; (b) contests 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 enforceinent Of the lien while those proceedings' are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Leildersubordinating the lien to this Security Instrument. If Lender deterinines that any' part of the Property is subject to a lieh which can attain priority over this Security Instrument, Lender may give Borrower a noticddentifying the lien. . Within 10 days of the date on which that notice is given,. Borrower shall satisfy the lien or take one or inore of the actions set f'orth above in this Section 4. Lender may require Borrower to payaone-tinie charge fora real estate taXverincation andlor reporting service used by Lender in connection with this Loan. S.Property Insurance. Borrower shall keep the improvementsilowexistingorhereaftererected on the Property insured against loss by nre,haiatds included withiilthe terin "extended coverage, "and any other hazards including, but notlimited to, earthquakeS and floods, for which Lenderrequiresfusurance. This insurance shall be maintained in the amounts (including deductible Ievels)3.Iid for the periods that Lender reqUires; What Lender requires pursuant to the preceding sentences can change during the tcnn of the Loan. The. insurance carrier providing the insurance shall be chosen by Borrowerslibjeci to Lender's right to disapprove Borrower's choice, which right .shall not beexercisedunreasonabIY. Lender may require Borrower to pay,fuconnection with this Loan, either: (a) 'a one~timc charge for flood zone detennfuation,certificatioil and tracking services; or (b) a one-tUne charge for tlood zone determination and certification . scrvicesand subsequent charges each time remappings or similar.. changes' oCCUr which reasonably might affect such determination or certification. Borrower shall alSo be responsible for the payment or any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood ZOne determination resulting froin an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtaih insurance coverage, at Lender's option and Borrower's expense. Lender is under no Obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lcnder, but might or might 'not protect Borrower, Borrower's equity in the Property, ortheconterits.of the Property, against'any risk, hazard orJiability and might provide greater or lesser coverage than was previouslyfueffeeLBorrower acknowledges that the cost of the insurance coverage so obtained m.ightsignificantlyexceedthe cost of insurance that Borrower could have obtained, Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrum.ent.'theseamollntSShall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest;uponriotice from Lenderto norrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be-subjeCt to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall'pmmptly give to. Lender allreceipts'of'paidpremiums and '. renewal notices.. If BorroWer obtains any. form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee andlor as an additional loss payee. iri. the. event. of loss, . Borrower shall' give prompt notice to the insUrance carrier arid ' Lender. . Lender may make proof of loss. if not made. promptly by Borrower.. U wessLenderand. Borrower.' otherwise agree in writing,.. any insurance proceeds, whether ornot the underlyfugjnsuraticc was required by Lender, . shall be. applied to restoration or. repair of the Property;.' if the restoration' or repair . is economically . feasible and Lender's security is riot lessened. During such repair and restoration period, Lender sballhavethe right to hold such insurance proceeds until Lender has had an opportunity to fuspect such Property to enSure the ~-6INE) (04071.02 lnltl.,.,K' 0110269441 Page 6 of 16 FOrm 3028 1/01