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2oloos7g� Borrower shall promptly discharge any lien which has priority ov�;r this 5ecurity Tnstrument unless Borrower: (a) agrees in writing to the payment of th� obligation secured by the lien in a mann�r acceptable to Lender, but only so long as }3orr�awer is p�rforming such agreement; (b) contests thc licn in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's apinian aperate to prevent the enforcement of the licn while those proceedings are pending, but only until such praceediiigs aa'e concluded; or (c) secures from thc 1�older <�f the lien an agreement satisfactory to Lender subordinating thc licn to this Security Tnstrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lcnder may give Barrower a notice identifying the lien. Within 10 days of the date on which that notic� is biv�n, Barrower shall satisfy the lien or take one �r morc of the actions set forth above in this Section 4, Lender may require $orraw�:r to pay a ane-time charge for a real estate tax verificatic�n and/or reporting service used by Lendtr in cannection with this Loan. S. Property Insuranee. }3orrowe:r shall keep the impravements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any oth�:r hazards including, but not limited to, ca,rthqua.kes and floads, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that I,ender requires. What Lender requires pursuant to the preccding sentences can change during the term of the I,oan. The insurance carrier providing the insurance shall be chasen by Borrower subject to Lender's ri�ht to disapprove Borrower's choice, which right shall not b� exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either; (a) a one-time charge for flood zone determinatian, certification and tracking services; ar (b) a one-time charge for flood zone detarmination and certi�cation services and subsequcnt charges each time remappings or similar changes occur which reasonably might affect such detc:rminatian ar certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determinatian resulting from an objection by Borrower. lf Borrower fails ta maintain any of the coverages described above, Lender may obtain insura��ce coverage, at Lender's option and Borrower's axpense. Lender is under no obligation to purchase any particular type or amount of coveraga Thcrefc�re, such coverage shall cover Lender, but might or might not protect Borrower, �orrawer's equity in thc: Property, or the contents of the Property, against any risk, hazard or liability and might providc �reater or lesser coverage than was previously in effect. Borrower acknowledges that tlie eost of the insurance coverage so obtained might significantly excee�l the cost of insurance that Borrower cauld have obtained. Any amounts disbursed by Lender under this Secti��n S shall become additional debt af Barrower secured by this Security Instrument. These ainounts shall bear interest at the Note rate from the datc� af disbursement and shall be payable, with such interest, upon notice from Lender to $orrower requesting payment. All insurance policies rcquir�d 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 mortgagee and/or as an additional lass 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. Tf Borrower obtains any form of insurance coverage, not otllerwisc required by Lend�r, for damage to, or destruction of, 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 loss, Barrower shall give prompt notice to th� insurance carrier and Lender. Lender may make proof of loss if not made prom�tly by $arrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whethc:r c�r not the underlying insurance was required by Lender, shall be applied to restoration or rc:pair of the Praperty, if the restoration or repair is economically feasible and Lender's security is not less�ned. During such repair and restoration period, Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspcct such Property to eiYSUre the �-6(NE) coao��.az P�e 8 of 15 t� is�� � � 1111056576 Form 3028 1/01