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. e '- 91271995 Except as specifically set forth in this paragraph 4, Borrower may not 'subordinate this Security Instrument to any other deed of trust, promissory note, lien or other such similar document without first obtaining prior written approval of Lender. Lender agrees to subordinate to a new First Deed of Trust provided that Lender maintains a minimum second Deed of Trust position and provided that the total loan to value ratio does not exceed eighty percent (80%) of the Fair Market Value of the Property. Further, if a Senior Lien Holder acquires title to the Property pursuant to a deed in lieu of foreclosure, the lien of this Security Instrument shall automatically terminate upon a Senior Lien Holder's acquisition of title. Lender agrees that at any time during the life of the Promissory Note secured by this Deed of Trust upon written request of the Borrower, his/her heirs, assigns or future owners of the Property secured by the Deed of Trust, to provide any assistance reasonably requested to produce a full and complete record of the documentation subordinating this Deed of Trust and the Promissory Note secured hereby as may be within the possession of or obtainable by the Lender. 5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding. All insurance policies and renewals shall include a standard mortgage clause. All original policies of insurance required pursuant to the First Deed of Trust shall be held by the Senior Lien Holder; provided, however, Lender shall be named as a loss payee as its interest may appear. In the event of loss, Borrower shall give prompt notice to the insurance carrier, the Senior Lien Holder and Lender. Lender may make proof of loss if not made promptly by the Senior Lien Holder or the Borrower. Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within thirty (30) days a notice from Lender that Mission Bell Retrofit Deed of Trust July 24, 1997 Page 4 of II