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201201562 Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Securiry Instrument. These amounts shall beaz interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender to Borrower requesting payment. If this Security 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 aud the fee title shall not merge uuless Leuder 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 thc Ivtortgagc Insurance in effect. lf,for any rcason,the Mortgage Insurance coverage rcquircd by Lender ceases to be available from lhe morlgxge insurcr that previously provided such insurance and Bonower was required to make separately designated payznents toward the premiums for Mortgage Insurance,Borrower shall pay the��remiums required to obtain coverage substantially equivalent to the Mortgage insurance previously in effect,at a cost substantially equivalent to the cost to Borrower of the Mortgage Tnsurance previously in effecY,from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available;Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insuranec coverage ceased to be in effect.Lender will accept,use and retain these pay�nents as a non-refundable luss re;erve in lieu of Viortgage Insurance. 5uch loss reserve shall be non-refundable, nohuithstanding the fact that the Loan is ultimately paid in full,and Lender shall not be required to pay Rorrower any interest or eanungs on such loss reserve.Leiider cazi no longer require loss reserve payments if Mortgage[nsurance 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 sepazately desia ated payments toward the premiums for Mortgage Tnsurance. Tf Lender required Mortgage Insurance as a condition of making the Loan and Borro��er was required to make separately designated payments towazd the premiums for Mortgage Insurance,Borrower shall pay the premiums required to maintain Mortgage Insurance in effect,or to provide a non-refundable(oss reserve,until Lender's requirement for Mortgage Insurance ends in accordance with any writtcn agrccmcnt between 13orrower and Lender providing for such termination or until termination is required by Applicable Law.No[hing in this Section 10 affacts Borrower's obligation to pay intzrest at the rate provided in the Note. Mortgage Insurance reimburses Lender(or any entity that purchases tbe Note)for certain losses it may incur if Borrower does not repay the Loa��as agreed. Borrower is not a party to the Mortgage Insurauce. Mortgage i»surers evaluate their total risk on all such insurauce iu force from time to time,and may enter into agreements with othcr paztics tha[shaze or modify thcir risk,or reduce losses. These agreeinents are on terms and conditions that are satisfactory to the mortgage instaer and the other party(or parties)to these agreements.These agreements may require the morteage insurer to make payments using any source of funds that the mortgage insurer may have available(which may include funds obtained from Mortgagc lnsurance premiums). As a result of these agreemenfs,Lender,any purchaser of the NoYe,another insurer,any reinsurer,any other entiry,or any affiliate of any of the foregoing,may receive(directly or indirectly)amounts Chat derive fiom(or might be chazacterized as)a portion of Borrower's payments for Mortgage Insurance,in exchange for sharing or modifying thc mortgage insurer's risk,or reducing losses.If such agreement providcs that an affiliate of Lender txkes a share of thc insurcr's risk in exchange for a share of the premiums paid to the insurer, the azrangemenl is often lermed"captive reinsurance."Further: 86011433E4 8801143364 NEBRASKA-Single Family-Fannie Mae/Freddie M.ac UNIFORf✓INSTRUPAENT'.NITH MERS Farm 3028 1i01 VMP Q VMP6A(NE)(1105) VJol:ers Kluwer Financial Services Page 9 of 17