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20071014Q Borrower shall promptly discharge any lien which has priority over this Security Instnuue.;ol unless Barrowex-: (a) agrees in writin~ to the paymeIlt of the obligation secured by the lien in a manner acceptable to Lender, but only so long as Borrower is performing sucb agreement; (b) conte~t$ we He1:? j1:/- gOOd faith by, 01' defends a.gainst enforcement of the lien in, legal proceedings 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; or (c) secures from the holder of the lien an agreemem satisfactory to T.,..ender subordinating the lien to this Security Instroment. If Lender detennines that any part of me Property is subject to a lien which can attain priodty over this Security Instroment. Lender may give Borrower a nOtice identifying the lien. Within 10 days of the date on which thar notice is given, Borrower sball sa.tisfy the lien or take one Or more of the ~tion$ set forth above in this Section 4. Lender may require :Borrower to pay a one-time charge {or a real estate tax verificatioIl and/or reporting service used by Lender in connection with this Loan. S. Property Insurance. Borrower shall keep the improvementS now extsring or hereafter erected 00 the Propeny insured a,gaiost loss by fire, hazards included within the term "extended coveraee," and any other hazards including, but not limited to, earthquakes and floods, for wbj,cb Lender requires insurance. this insurance shall be maintained in the amounts (including deductible levels) and for the periods mat Lender requires. What Lender requires pursuant to the preceding sentences can change during the terro of The Loan. The insurance camer providing the insurance shall be chosen by Borrower subject to Lender's righI to disapprove Borrower's choice. which right shall not be exercised unreasona.bly. Lender may require Bor;row~ [0 pay, in connection with this Loan. either: (a) a one-time charge fOr flood zone determination, certification and tracking services; or (b) a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which ;reasonably mighr affect such determination or certificarion- Borrower shall also be responsible fOr the payment of tJtly fees imposed by the Federal Emergency l\1aJ;\~geme:nt AgetJ.cy in connection with the review of any flood zone delermination resulting from an objectiou- by Borrower. If Eorrower fails to maintain any of the coverages described above, Len.der may obtain insurance coverage, at Lender's option ;rm.o. Bonower's expense. Lender is under no obligation to purchase any panicular rype or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower' $ equity in the Property, or the contents of the Property, agaiItSt any risk, hazard or liability and might provide greater OJ: lesser C(>veta.ge than was previously in effect. Borrower acknowledges tOat the cost of the insurance coverage so obtained might significantly exceed the cost of insUIaIlce that BOrrower could have oblained. Any amounts disbursed by Lender under- this Section 5 sh~l become additional debt of EOJ,TQwer secured by Ihis Security Instrument. These amOunlS shall bear inrerest aI the Note rate from the date of disbUrSement and shall be payable, with such interest, upon notj,ce from Lender to Borrower requesting payment. AU iJ1SltrMCe policies required by Lender and l:enerwals of such policies shall be subject to Lender's right to disapprove suc!). polioies, shall include a standard mortgage clause, and shall name Lender as mongagee and/or as an addition~ loss payee. Letlder shall have the right to hold the poliCies and renewal certificates. If Lender requires, BOrrower shall promptly give to Lender all receipts of paid ~rJ:em.imns atld renewal notices. If Borrower obtains any fonn of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the P!;-operty. such policy shall include a standard mortgage cla.use and shall Ilame Lender as mortgagee and/or as an additional loss payee. In the event of los$, Borrower shall give prompt notice to the insu:r;;Ulce camer and Lender'. Lender may make proof of loss if not made:: prOItlptly by Ilorrower. Unless Lender and Borrower otherwise agree in wrhing, any insurance proceeds. whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the PropeI1Y> if the restoration or repair is economically feasible and Lendet's security is not lessened. During such repair and restOration period, Lender shall have the right to hold such inslilllIlce proceeds undl Lender has had an opportunity to inspect such J'ropeny to ensure the G-6(NEllOO05) " Page $ 01 1$ IniriatsCi ............... ..)\/ ~orrn 3028 1/01