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201200640 Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Securiry Instrument. These amouuts shall bear inYerest at the Note rate from the date of disbursement and shall be payable,witb such interest,upon noYice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold,Borrower shall wmply with all the provisions of the lease.If Borrower acquires fee title to the Property,the teasehold and the fee ritle shall not merge unless Leuder agrees to the merger in writing. 10. M ortgage Insurance.If Lender required Ylortgage Insurance as a condition of making the Loan,Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, thc Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately desia ated payments toward the premiums for Mortgage Insurance,Borrower shall pay the premiums required to obtain coverage su6stantially equivalent to the Mortgage Insm�ance previously in effect,at a cost substantially equivalent to the wst to Borrower of the Mortgagc Insurance previously in effect, from an alternate mortgage insurer selected by Lender.If substantially equivaient Mortgage Insurance coverage is not availaUle,Borrower shall continue to pay to Lender the amount of the sepazately designated payments that were due when the insurance coverage ceased to be in effect.Lender will accept,use and mtain these papments as a no�-refundable loss reserve in lieu of Mortgagz Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full,and Lender shall not be required to pay Bottower any interest or earnings on such loss reserve.Lender can no longer require loss reserve paysnents if Mortgage Tnsurance coverage(in the amount and for the period that Lender requires)provided by an insurer selected by Lender again becomes available,is obtained,and Lender requires separately designated payments toward tl�e premiums for Mortgage Insurance.Tf Lender required Mortgage Insurance as a condition of makin�the Loan and Borrower was required to make separately designated payments toward the premiums for Martgage lnsurance,Borrowcr shal]pay the premiums required to maintain Mortgaee Insurance in effect,or to provide a non-refundable loss reserve,until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law.Nothing io this Section 10 affects Borrowcr's obligation to pay interest at the rate provided in the Notc. Vlortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it may incur if Borrower does uot repay the Loan as aa eed.Borrower is not a party to the MorYgage Instuance. Ylortgage insurers evaluate thelr toYal risk on all such insurance in force from time to time,and may enter into agreements wifli other parties that share or modify their risk,or reduce losses.These agreements aze on terms aud conditions that are satisfactory to the martgage insurer aud the other party(or parties)to these agreements.These agreements may require the mortLage insurer to make paymcnts using any source of funds that the mortgage insurer may have available(�i�hich may include funds obtained from Mortgage Insurance premiums). As a result of these agreements,Lender,any purchaser of the Note,another insurer,any reinsurer,any other entiry,or any affiliate of any of tbe foregoing,may receive(directly or indirectly)amounts that derive fi�om(or might be chazacterized as)a portion of Borrower's payments for Mortgage Insurance,in exchange for sharing or modifying the martgage insurer's risk,or reducing losses.If such agreement provides that an affiliate of Lender takcs a share of the insurzr's risk in exchange for a shaze of tUe premiums paid to the insurer,the azrangement is often termed"captive reinsurance."Further: BB01128567 8801128567 NEBR45KA-Single Family-Fannle Mae.�Fretldie Mac UNIFOftM INSTRUMENT WITH MERS Form 3028 ti01 VMP Cx VMP6A�NE)(1105) Woiters Kl�wer Finencial Services Page e of 17 .