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201200826 Any amounts disbursed by Lender undcr this Section 9 shall become additional debt of Borrower secured by tl�is Security Instrument.These amoun[s shall beaz interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice ftom Lender to Borrower requesting payment. If this Securiry Instrument is on a leasehold,Borrower shall comply with all the provisions of the lease.If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to[he merger in writing. 10. M ortgage InsUranCe.If Lender required Mortgage Insurance as a condition of making the Loan,Borrower shall pay the premiums required to maintain the Mortgage Tnsurai�ce in effect.If,for any reason,the Mortgage insurance coverage required by Lender ceases to be available from the mortgage insurer that previousty provided such insurance and Borrower was required to make separately designated payments toward the premiums for MarYgage Insurance,Borrower shall pay Che premiums requued to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect,at a cost substantially equivalent to the cost to Borrower of the tifortgage Insurance previously in effect, &om an alternate mortgage insurer seleaed by Lender. If substantially equivalent Mortgage Insurance coverage is not available,Borrower shall continue to pay to Lender the amolmt of the separately designated payments that were due when the insurance coverage ceased to be in effect Lender will acccpt,use and retain these payments as a non-refundable loss reserve in lieu of Iblortgage Insurance. Such loss reserve shall be non-refundable, ❑otwithstanding the fact that the Loan is ultimately paid in full,and L,ender shall not be required to pay Borrower any interest or earnings on such loss reserve.Lender can no longer require loss reserve payments if Mortgage Insurance 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 the premiums for Mortgage lnsurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments towazd the premiums for Mortgage Insurance,Borrower shall pay[he premiums required to maintain Mortgage Insurance in effect,or to provide a non-refundable loss reserve,until Lender's requirement for Mortgage Insurance cnds in accordance with any written agreement between Borrower and Lender providing for such termination or undl termination is required by Applicable Law.Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it may incur if Borrower does not repay the Loan as agreed.Borrower is uot a party to the Mortgage fiisurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time,and may enter into agreements c��ith other parties tl�at share or modify their risk,or reduce losses These agrcemcnts are on terms and conditions that are satisfactory to the morTgage insurer and the other party(or parties)to these agreements. These agreements may require the mortgage insurer lo make paymenls using any source of funds that the martgage insurer may have available(which may include funds obtained from Mortgage Insurance premiutns). As a result of these agreements,Lender,any purchaser of the Note, another insurer,any reinsurer,any other entity,or any affiliate of any of the foregoing,may receive(direcfly or indirectly)amounts that derive from(or might be chazacterized as)a portion of Borrower's payments for Mortgage Inst�rance,in exchange for sharing or modifying the mortgage insurer's risk,or reducing losses.If such agreement provides that an affiliate of Lender takes a share oP the insurer's risk in exchange for a share of the premiums paid to the insurer,the azrangement is often termed"captive reinsurance."Further: 8301142747 880�142747 NEBRASKA-Single Family-Fannie Mae,�Fretltlie M1iac UNIFORM INSTRUMENT WITH MERS Fcrm 3028 1i01 VMP� VMPBA(NE7(1105) l"Jolters Kluwer Flnanclal Sarvlces Page 9 of 1]