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20080468"1 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 in a ~anner acceptable to Lender, but only $0 long as Borrower is performilig such agreement; (b)coiitests the lien ing60d faith by, or defends against enforcement of the lien in. legalproceooingswhich in Lendet.'s opinion operate to prevent tbeenforcement of the lien while those proeeedingsareperiding, but only until sucll prOceedings are conCluded; or (c) secure-I; from the holder of the lien an agreememsatisfaclory,to Lender subordinating tbe lien to thisSeco.rity Instti:tment. If LenUerdetennines that any part Of the Pl'opertyis subject to a 'lien which can 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 set forth above in this SeetionA. . , . Lender may require, Borrower to pay a one-tim~ charge for 'a real estate tax verification and/or reporting service used by tender in connection with this LOan. , '" . ... '.' ' . .' .....',. . 5. ProPerty Insutance.Borrdwer shwl keep th~iinproveiitentsnOw'existii1g drhereafte{ etettedon the Properly' insufedagainst 10ssbyfite,h~~sjri91uded\vithin thelel1l1"~xiendt<Icoverage ,"'an(Jany . other hazards.' including~bu(not limited to, eaithquakea. andtloods, for. WhichLcnaertequireslri~urMce. This. insurance shall be. maintained iutIle amounts (ihcluding'deductible levels)ai1d for the . period. s that . . L ., ., ' " '.. Lehderrequires. What Lender requIres pursuant to the prececlingllentences cail change during the term of the' Loan. The insurance.. carrier' providing the.. irisllrance . shall be Chosen by' Borrower subject fO. Lender's right to disapprove Borrower's choice, '. whichrighl'shallnot be exercised unreasonably. Lender may require. BOrrower to pay , . in ' 'coIUiection . with this Loari, either: .' (a) a one,time · charge '. . for 'flood zone determination,. certification. and tracking services iOr'. (b). aOhe~time. chargefotf1ood . zone. determination and,certifieation services, 'and subsequent chatgeseach timei'emappings or similar changes ocCur which reasonably might affect such determination or certification. . Borrower shall alsO be. responsible. foithe payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any tlood ~rie detenniniltiori resulting from an objection Py Borrower. If Borrower fails to maintain any of the coverages desctibedabove,Lender may obtaininsutance coverage! al Lender's option and Borrower's expense. Lender is under nootiHgation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender; btit might or might notprotect Borrower, Borrower's equity in the Property, or the contents of the Propeny: against any risk, hazard or liability and might provide greater or lesser coverage thall was previously in, effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Ariy amounts disbursed by Lender under this Section 5 shall become additional debt of I3orrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest; upon notice from Lender to a,orrower requesting payment. . . .. All insurilnce 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 lis mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certif1c:ltes. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower Obtains any form of insutancecoverage, notbthetwiserequired by Lender, for damage to, or destmction of. the Property, such policy shall include it. standard mortgage clause and shall name Lender as mortgagee and/or as ail 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 BOrtower. Unless Lender and BorroWer Otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lefider, shall be applied to restoration or repair of the Property, if the restotation or repair is economically feasible and Lender's security is not lesseiled. During such repairandrestbration f}eriod;' Lender shalI have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the ~.6(NEI (0407).02 PdijO 0 of 15 . M~~ Ol1028Q606 '""Idls: ..t.:~~~ For~ 3028 1/01