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2oa.oo24yo 4'' rt +t # ~+'` Harrower 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 manner acxeptable to Lender, but only so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enfoxceanent of the lien in, legal. proceedings which in Lender's opinion operate to prevent the enfornetraent of the lien while Chase proceedings are pending, but only until such proceedings are concluded; or (c) secures 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 subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within l0 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or mare of the actions set forth above in this Section 4. Lender may require Borrower to pay a oue~time charge far a real estate tax. verification and/ar reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, far which Lender requires insurance. 'Dais insurance shall. be mai3atained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can. change during the ierna of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's chain, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a} a one-time charge for flood none detetmixaation, 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 might. affect such determination ar Certification, Borrower shall also be responsible for the payment -af any fees imposed by the 1~exieral Emergency Managcmettt Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Burrower fails. to maintain any of the coverages described above, Lender nosy obtain 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 ar might not protect Borrower,. Borrower's equity in the Property, ar the contents of the Property, against any risk, hazard or liability and might provide greater ar lesser coverage than was previously in effect. Borrower aekraawledges that the cost of the insurance coverage so obtained might. significantly exceed the cost of insurance that Borrower could have obtained. Any arnaunts disbursed by Lender under this Section 5 shall become additional dtabt of Borrower secured by dais Security Instrument. These amowtts shall bear interest at the Note rate from the date of dislaursement and shall be payable, with such interest, upon notice froth Lender to Borrower requesting payatient• All insurance policies required by L~der and renewals of such policies shall be subject. to Lender's right to disapprove stash policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as au additional loss payee. l.etader shall have the right to bald the policies and renewal certificates. If Lender requires, Borrower shall promptly give ro Lender all receipts. of paid preaniutns and reanewal notit:es. if Borrower obtains any form of insurance overage, not otherwise required by Lender, for damage to, or destruction af, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of lass, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Botxawer. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration ar repair of the Property, if the restoration ar repair is economically feasible and Leader's security is not lessened. During.. such t~,pair and restoration period, Lender shall have the right to hold such insurance proceeds until Leader has had an opportunity to inspect such Property to ensure the Jnltislr.~ t~-gatNtz) tooosJ.v+ r~ e w +o Form 3028 1/01