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201007141 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 manner acceptable W Lender, but only so long as Borrower is purfarming such agreement; (b) contests the lien in good faith by. or ckfends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings arc pending, but only until such proceedings arc concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien tv this Socurity Instnrmenit. If Lender determines that any pert of the Property is subject to a lien which can attain priority over this Sectuity Instrument, Lender may give Borrower a notice identifying the lien. Within lp days of the date on which that notice is given, Borrower shall satisfy the lien or take om or more of the actions set forth above in this Section 4. Lcmkr may regain Borrower to pay sore-t~inae charge for a n.al estate tax verification a~/or reporting service used by Lender in connection with this Loan. S. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against lass by fire, hazards included within the term "extended coverage," and arty other hazards including, but not limited tu, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requur~s. What Lender requires ptiusuant to the preceding sentences can change during the term of the Laan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be excrcisod unreasonably. Lender may require Borrower to pay, in comYectivn with this Loan, either: (a) a one-time charge for flood zor~ determination, certification and tracking services; or (b) a one-tirce charge for flood zone determination and certification services and subsequent charges tech time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any ices imposed b3' the Federal Emergency Management Agency in connection with the review of a~- flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain airy of the coverages described above, Lender may obtain insurance ooven~ge, at Lender's option and Borrower's expense. Lender is under no obligation to purchase arty particular type or amount of coverage. Therefore, such wverage shall cover Lender, but might or might rat protect Borrower, Borrower's equity in the Property, or the contents of the Properly, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower aclmawledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Az#y amounts disbursed by Lender under this Suction S shall become additional debt of Borrower sutured by this Security Instrument. These amounts shall bear interest at the Note raft from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by bender 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 Lander requires. Borrower shall promptly give to Lender all receipts of paid premiums and rer-uwal 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 and/Or 88 an addltiOrlal TOSS payt'~. In the uvexat 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 to restoration yr repair of the Property, if the restoration or repair is ccernomically feasible and Lender's 8CClllity iS nLlt lessened. During Such repair and restoration period, I.erlder Shall have the right to hold 6uCh iUSUranCC piOCeedB vII#il LCndCr ha8 had an opportunity to inspect Such Pmpcrty to ensure the NtBlIRABKA -Single Family -Proofs Mar~FrsdttM Mac UNIFORM INSTRUMEJYT -8{NE) roes ~- ~ s ar i s i~w.: _~ Form 3028 9/01