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201200337 Any amounts disbursed by Lender under this Section 9 shall becmne additional debt of Borrower secured by this Sccurity Ins[�mncnL Thcsc amounls shall bear intcrest at thc Notc rate from thc date of disbi�rsement � and s}iall be paynble, with suct� interesl, upon notice trom LynJer tu Borrower reyues(i�g paymenl. If this Seairity Instrument is oti a leasehold, Borrower shall comply with all tlie provisimis of t6e lease. If Borrowcr acquires fee title to the Property, the leasehold and the fee title shall not mcrgc unlcss Lcndcr agrees b the merger in writing. , 10. Mortgage Insuranee. If Lender reqnired Mortgage insvrance ns a wndition of making the Loan, Rorrower � shall pay tlie premiums requi�ed lo maintain the Murtgage I�isurance in effecL It, for any reasoq the Nlortgagc Insurancc covcrage required by Lender ceases ro be available from the murtgage insurer thal � previnusly prnvided such insurance and Borrower was required to make separately designated paymenfs toward the premiums for Mortgage Insurance, Boaowcr shall pay thc premiums rcquired m oblain coveragc substanrially equivalent to the Morlgage Insurance previously in ef[ect, aL a cos[ subslantially eyuivalent Lo the cost to Borrower of the Mortgage Insurance previously in effect, from an al[er�ate� morlgage insurer selecled 6y Lender. If snbstantially equivalent Mor[gage Insurance cnverage is not available, Borrower shall continue to pay [o I.cndcr the amount of the separately designa[ed payments that were due when lhe , insurance coverage ceased to be in effect. Lender will accept, use and rotain these payments as a non-refundable (oss reserve in lieu of Morlgage Insurance. Such luss reserve shali be nnn-refundable, notwithstanding the fact thaC the Loan is ultimalely paid in fidl, and Lender shall nol 6e required Lo pay Borrower any intcrest or ear�ings on such loss reserve. Lender can no longer require loss reserve payments if MorLgage Imurance cuverage (in the amount and tbr Ihe period that L,ender raquires) provided by an insm'er selected by Lender again becomes available, is ubtained, and Lender requires separately designafed payments [nward [he premiums fo� Morlgage Insurance. If Lender required Mortgage Insurance as a conditiai of making We Loan and Burruwer was required to makc scparately designatcd payments toward thc premiums for Mortgage lnsura��ce, Bo�rnwer shail pny the premiums required fo maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, unlil Lender'a requireme�t for Mortgnge Insurance ends in acrnrdance wi[h any written agreement between Borrower and Lender providing for such terminaflon or unUl termination is required 6y Applicable Law. Nuthing in this Section ]0 affecls Bormwer's obligaliun to pay intere_s[a[the rate provided in the Note. Morigage Insurance reimburses Lender (or any en13Ly (I�aL porctuses(tie Note) for certnin losses iY may incar if Borrower docs not rc�ay the Loan as agreed. Borrower is not a party to lhe Morlgage Insurance. Murtgxge insurers evaluate their total risk on all such insurance in force fi�om time to 6me, and may enter intn agreements with othcr parlies [hat share or modify Weir risk, ur reduce losses. TLese agreements xre on terms and conditlons thxt are satisfactory to the mortgage insurer and die other par[y (or parties) lo these � agreements.Thcse agrecments may require lhe morlgage insurer tu make payments using any source of f'u�ds that the mortgage insurer may have available (which may inchide funds obtained from Morfgage Insurance premiums). As a result of these agreements, Lender, any yurchaser uf the Note, another insurer, any reinsurer, any o�hcr entity, or any atfilinte uf any of the foregoing, may reccive (dlrecfly or indirec�tly) amow�ts tl�at derive from (u� might be characterized as) a portion of Borrower`s paymenls for Morlgage Insurance, in exchange fur sharing or modifying the mortgage insurer's risk, nr reducing ]osses. if such agrcament provides [ha[ an nffiliate of Lender [akes a share of the iusurer's risk in exchange for a share of [he premiums paid to the insurer, [he arrangement is often termed "captive reinsurance." Further: ooi i zzamsov loonzzemaos� NE9RASKN-Smg�e Famly-Fannle MaeJFretltlic Mac UNIFORM INSTRUMENT WITH MERS Porm 3028 1l01 � VMP� VMP6H�NFj[110v�.00 Wolmrs 1(luwe.r Hnancla15emices Fage 9 of l/