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�o�oo9si� Barrower shall promptly discharge any lien which has priority over this S�curity Instrument unless Borrow�r: (a) a�;rees in writing to the payment of the obligation secured by the lien in a manner accepta}�le to Lender, but anly so long as Borrower is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinian operate to prevent the enforcement of the lien while those proceedings are pending, but only until such prpceeditYgs are cc>ncluded; ar (c) secures from the holder of the lien an agreement satisfactory to Lender subardinating the lien to this 5ecurity Tnstrument. 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. W ithin 10 days of the date on which that notice is given, Barrower shail satisfy the lien or take one or more of the actions sct farth abov� in this Section 4. Lender may require Bc>rrowcr to pay a one-time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. F3orrower shall keep the impravements naw existing ar hereafter erected on the Property insured against loss by fire, hazar'ds included within the term "extended caverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lcnder rc;quires insuranc�. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lendcr requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan, 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 exercised unreasonably. Lender mdy require Borrower to pay, in connection with this Loan, either: (a) a c>ne-tim� ch�rge for flaod zone determination, certification and tracking scrvices; <.�r (b) a one-time charge for fload zone determination and certification services and subsequent charges cach tiinc remappin�;s or simil�u changes accur which reasonably might affect such determination c�r ccrtification. Aorrc�wcr shall alsa be respansible for the payment of any fees imposed by the Federal �mer�;ency Management Agency in connectian with the review of any flood zone determination resulting from an obj�ction by Borrawer. If $arrower fails to maintain any of the coverages described above, Lender may obtain insurance coverzge, at Lender's option and Borrower's expense. Lender is under no obligati�n to purchase any particular type or amount of coverage. Therefore, such coverage shall cover I,ender, but might or might not protect Borrower, $orrower's equity in the Froperty, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was prcviously in effcct. Borrowcr acknowledges that the cost af the insurance covera�e so obtained mi�ht si�nificantly exce�d the cost of insurance that Borrowcr could have obtained. Any amounts disbursed by Lender under this 5ection 5 shall become additional dcbt �f Borrower secured by this Security Instrument. These amounts shall bear intarest at the Notc rate from tl7t date of disbursement and shall be payable, with such interest, upon notice from Lender tc� Borrower rc�questing payment. All insurance policies required by Lender and re:a�ewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Ltnd�r as mortgagee and/or 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 recei�ts of paid Premiums and renewal 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 mart�agec anci/or as an additional loss payce. In the event of loss, L3arrower shall �ive prompt notice to the insurancc carrier and Lender. I,ender may mak� 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 or repair of the Froperty, if the restoration or repair is economically 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 Prop�rty to onsure thc �-6(NE) �oao7�.oz �itlals: P�e 6 of � 5 V` 111105 62 92 Form 3028 1/A1