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201U0879� Borrower shall promptly discharge any lien which has priority over this 5ecurity Instrument unless Borrower: (a) agrees in writing to the payment af the obligation secured by the lien in a manner acceptablc to Lender, but only so lon�; as Borrawer is performing such agreement; (b) contests the lien in gaod faith by, or defends against enforcemcnt of the lien in, legal proceedings which in Lender's opinion operate to prevent the enforcemc.�►�t c�f the lien while those proceedings are pending, but only until such procecdings are concluded; or (c) secures from the halder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrurnent. If I,ender determines that any part of the Property is subject to a lien which can attain priarity �ver this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days c>f thc date an which that notice is given, Borrower shall satisfy the lien or take one or �nc�re c>f thc� actions set forth above in this Section 4. I,endc:r may require Borrower to pay a one-time charge for a real cstat� tax veri�catiUn and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Barrower shall keep the improvements now �;xisting ar hereafter erected an the Property insured against loss by fire, hazards included within the term "cxtcnded c;average," and any other hazards including, but nat limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintai��ed in the amounts (including deductible levels) and for the periods that Lender requires. What Lender rcquires pursuant ta the preceding sentences can change during the term of the Loan. The insurance carrier providinb thc insuranc:c: shall be chasen by Borrower subject to Lender's right to disapprove F3orrower's chaice, which right shall nat be exercised unreasonably. Lender may require Bc>rrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, ccrtification and tracking services; or (b) a one-time charge for flood zone determination and cc:rti�catic>n scrvices and subsequent charges each time remappings or similar changes occur which reasonably mi�;ht Giffect such determination or certification. Borrower shall also be responsible for the paymc:nt of any fees imposed by the Federal Emergency Management Agency in conncction with thc revicw af any flood zone determination resulting from an objection by $orrower. if Barrower fails to maintain any of the coverages described above, Lender may abtain insurancc c:ov�rage, at Lender's option and Borrower's expense. Lender is under no obli�ation to purchase any particular type or amoirnt of coverage. Therefore, such coverage shall covcr Lender, but might or mi�;ht nat protect Borrower, Borrower's equity in the Property, or the contents of the Property, a�;ainst any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Barrower acknowledges that the cost of the insurance coverage so obtained mi�ht si�nificantly exceed the cost c>f insurance that Borrower could have obtained. Any amounts disbursed by I,cnder undcr tliis Section 5 shall become additional debt of $orrower secured by this Security Instrument. These amounts shall b�ar interest at tlle Note rate from the date of disbursement and shall be payable, with such interest, upon notice from I,endcr to Borrower requesting payment. All insurdnce policies required by Lender and renewals of such policies shall be subject to Lender's ri�ht to disapprove such palicies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/ar as an additional loss payee. Lender shall have the right to hold the policies and renewal certiFicates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coveragc, not otherwis� required by I,ender, for damage to, or destructian of, thc Property, such policy shall includc a standard mortgage clduse and shall name Lender as mortga�ee and/ar as an additional loss payce. In the event of loss, Borrawer shall givc prompt noticc to the insurance carrier and Lender, Lender may make proof of 1oss if nc>t made promptly by �orrawer. LTnl�ss Lcndcr and Borrower otherwise agree in writin�;, any insuranee proceeds, whether or not the underlying insurance was required by Lender, shall be applie:d tc� restc>ration or repair of the Property, if the restoratian or repair is eeonomieally feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the �-6(NE) �oao7�.o2 � Pape 6 of 15 / !r; _ . .��/ / 111105635� Fvrtn 3028 1/A1