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200800270 BOrrower shall promptly discharge any lien which has priority over this Security Insrrurn.ent unless Borrower: (a) agrees in writing to the payment of me 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 enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those procttdings are pending, but only until such proceedings an: cotlcluded; or (c) secpres from the holder of the hen an agreement satisfactory to l.e.o.der subordinating the liea to this Security InStI\UlJent. If Lender determines that any pan of the Propeny js subject to a lien which can attaiD. priority over this security Instrument, Lender may give Borrower a notice idautifying the lien. Within 10 days of the date on which that tlotice is given, Borrower $ball saIisfy the lien or take .one or taOte of the actions set fo~ above in this Section 4. " . Lender roay require Borrower to pay a one--time charge for a real estate tax verificllIion and/or reponing service used by Lender in connection with this Loan. S. Property In5urm<:e. Borrower shall keep the unprovements now existing Or ha-eafter erected on the Property insured against loss by fire, hazards included within the tenn "extended coverage, ~ and any other hazards inCbldiu.g, but not limited to, earthquakes atJ.d floods, for whieh Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the -periods that Lender requires. What Lender requires pursuant to the preceding sen.tetJ.ces can change during the term of the Loan. The insurance carrier l'r6viditl~ the in.surance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's l:hoice, which ri~t shall not be t!:;It.e:rcised unreasonably. Lender l;I;\aY require Borrower to pay, in COImectiotl with this Loan. either: (a) a one--time charge for tloW ~oae detennination, certification. and tracking services; or (b) a one-time charge for flood zone. determination and certification services and. subsequent charges each time rernappings or similar changes occur which reasonably nnght affect such detezmination or cenification. Borrower sball also be responsible for tbe payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determ.b1ation rcsuhin; from an obje.ction by Borrower. If Borrower fails to ;maintain any of the f;OVer~es d~cxibed above, Lender may obtaiil 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 Lender, but might or might not protect Borrower, Borrower's equity in tbe Property, or the contents of the Pro~, againsr MY risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower aclmowledges that the COSt of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower oo\lld l)ave obtained. Any amounts disbursed by Lender un.der this Section-5 .shall become Additional debt of Borrower secured by this Security Insuument. These amOUnIS shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. Al1lnsurance 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 mongagee and/or as au additional loss payee. Lender shall bave the right to hold the policies and renewal cenificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premi\1m5 iml;1 renewal notices. If Borrower obtains any. form of insurance coverag;e, not orherwise required by Lender, for damage to, or destruction of, the Property, su<::h policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may 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 [0 restoration or repair of the Property, if The restoration or repair is eeonomically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the ri$ht to hold such insut8l1ce proceeds until Lender bas bad an opponunity to inspect such PropertY to ensure the _-6INE) (0005) 1 ,O;-,;81S.1t---- P.SII8r;rf15 Form 3028 1/01