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2Q��Q��a Boirower svall PromPt1Y discharge any lien which lias priority over this Se�urity Instrume� unl� Borrower: (a) agr�s in writing to the payment of the obligation secured by the lien in a manner atx�table to Lender, but only so long as Borrower is Perfoaning such agreement; N) contests tha lien in goal faith by, or defends against enforcement of the lien in, legal proce�ings wluch in Lender's opinion operate to prevent the �forcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) s�,vres from tha holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security in. ,r,en If Lender de�rmin� that any part of the Property is subject to a lien which c�n attain priority over this Security Instrument, Le�der may giva Borrower a notice identif3ring the lien. Within 10 days of the date on which that notice is given, Bonower shall satisfy the lien or take one or more of the actions set forth above in tlus Section 4. I.ender may require Bonower to pay a one-dme charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property �nsarance. Borrower shall keep the improvements now existing or hereafter erected on �C PT0�1� lllSlliCd 8gSi11St lOSS �/ �, �1878L'a9 1riC1IId� W1L�11II �18 tP.IDl n BR�II� COVCf8�,8, � 8II� other ba�ards including, but not limited to, earthquakes and floods, for which L�der requires ins�. This insuranca shall be maintained in the amournts (including daductible levels) and for tha periods that Lender requires. What Lender requires pursuant to the preceding sentences c�n change during the tezm of the Loan. The insiu�ancx cazrier providing the insuranca shall be chosen by Boaower subje�t to Le,ader's right to disapprove Borrower' s choice, which right shall not be exercised unreasonably. Lender �y require Bortowe�' to P$Y� in connection with this Loan, either: (a) a ono-time charga for flood zone determinat►on, certific�tion and tracking services; or (b) a ono-time charge for flood zone determination and c�rtific�tion services and subsequent charges each time remappings or similaz changes axur which reasonably might affe�t such dete�mination or certification. Borrower sball also be responsible for the payment of any fees imposed by the Federal Emerge�cY Management Agenc.7' in co�e�tion with the review of any flood zone determination resulting from an obje�tion by Borrower. If Boirower fails to maintain any of tha coverages described above, Lender may obtain insivance coveraga, at L,ender's option and Boirower's exgensa. Lender is under no obligation to purchase any particiilar typa or �ount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Bonower, Borrower' s equity in tha Property, or the contents of tha Properiy, against anY risk, �aZard or liability and might provide greater ar lesseT coverage than was previously in effe�t. Boirower acknowledges that the cost of the insurance coverage so obtainerl might significantly excead the cost of insurance that Borrower could have obtained Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower s� by this Security Instrumen� These amounts shall bear inte�t at the Note rate from the date of disbursement and shall ba payable, with such interest, upon notice from Leader to Borrower recNestu►g PaYmen� All insurance policies required by Lender and renewals of such policies shall ba subject to Lender's right to disapprove such policies, shall includa a atandard mortgage clause, and shall name Lender as mortgag� and/or as an additional loss payee. Lender shall have the right to hold the policies aad r�eR+al certific�tes. If Lender requires, Borrower shall prompfly give to Lender all re�eipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not othervvise required by Lender, for damage to, or de�ruction o� the Properiy, 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, Borrower sha11 give prompt notice to the insurance cairier and Lender. Leader may make praof of loss if not made promptly by Boaower. Unless Lender and Boaower othervvise agre� in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, svall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's s�urity is not lessened. During such repair and restoration period, I,ender shall have tha right to hold such insurance procee�s until Lender has had an opporhmity to inspect such Property to ensure the 2200198794 n v6� NESR/►SKA - Single Family - Fannle Ma�Freddl� Mac UNIFORM INSTRUMENT WIT MBZS �-6A(NF� loe�ol �e9a a ot �s ��: . � . � . Form 3028 1/01 0 (? I� . � .e