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2 0�10�14; nower sha11 promptly discharge any lien which has priority over this Security Instrument unless Borro er: (a) agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Len er, but only 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 opinion operate to prevex the enforcement of the lien while those proceedings are pending, but only unril such proceedings are co cluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the li to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which attain priority over this Security Instrument, Lender may give Bonower a notice identifying the lien. ithin 10 days of the date on which that notice is given, Borrower sha11 satisfy the lien or take one or more f the actions set forth above in this Section 4. L nder ma.y require Bonower to pay a one-time charge for a real estate tax verification and/or repo ' g service used by Lender in connection with this Loan. 5 Property Insarance. Borrower sha11 keep the improvements now existing or hereafter erected on the Pr perty insured aga.inst loss by fire, ha�ards included within the term "extended coverage," and any other azards including, but not limited to, earthqualces and floods, for which Lender requires insurance. This ' urance shall be maintained in the amounts (including deductible levels) and for the periods th�t Lend requires. VJhat Lender requires pursuant to the preceding sentences can change duting the term of the Lo . The insurance carrier providing the insurance shall be chosen by Bonower subject to Lender's right disapprove Bonower's choice, which right sha11 not be exercised unreasonably. Lender ma.y requir Borrower to pay, in connection with this Loan, either: (a) a one-time chazge for flood zone dete ' ation, certification and tracking services; or (b) a one-time charge for flood zone detetmination and c'fication services and subsequent charges each time remappings or similaz changes occur which reaso ly might ai�ect such determination or certification. Borrower sha11 also be responsible for the payme t of any fees imposed by the Federal Emergency Management Agency in connection with the revie of any flood zone determination resulting from an objection by Bonower. I Borrower fails to maintain any of the coverages described above, Lender may obtain insurance cover e, at Lender's option and Bonower's expense. Lender is under no obligation to purchase any partic ar type or amount of coverage. Therefore, such coverage sha11 cover Lender, but might or might not pr tect Bonower, Borrower' s equity in the Property, or the contents of the Property, against any risk, hazar or liability and might provide greater or lesser coverage than was previously in effect. Bortower ackno ledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insur ce that Bonower could have obtained. Any amounts disbursed by Lender under this Section 5 sha11 beco additional debt of Bonower secured by this Security Instrument. These amounts sha11 bear interest at the ote rate from the date of disbursement and sha11 be payable, with such interest, upon notice from Lend to Bonower requesting payment. 1 insutance policies required by Lender and renewals of such policies sha11 be subject to Lender's right o disa,pprove such policies, sha11 include a standard mortgage clause, and sha11 name Lender as mortg ee and/or as an additional loss payee. Lender sha11 have the right to hold the policies and renewal certifi es. If Lender requires, Bonower sha11 promptly give to Lender a11 receipts of paid prexniums and renew notices. If Bonower obtains any form of insurance coverage, not otherwise required by Lender, for e to, or destruction of, the Property, such policy shall include a standard mortgage clause and sha11 e Lender as mortgagee and/or as an additional loss payee. the event of loss, Bonower sha11 give prompt notice to the insurance carrier and Lender. Lender may e proof of loss if not made promptly by Bonower. Unless Lender and Bonower otherwise agree in wri ' g, any insurance proceeds, whether or not the underlying insurance was required by Lender, sha11 be ap lied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lend ' s security is not lessened. During such repa.ir and restoration period, Lender sha11 have the right to hold �, ch insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the 2200158219 D V6ANE KA - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH MERS �INE11os�o1 Page 6 of tb Inkisls: � Form 3028 1/01