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�0��0�724 Any amounts disbursed by Lender under thia Se�tion 9 shall bei;ome additional debt of Borrower se,cured by tlus Security Instrument. The.se amounts sl�all bear interest at the Note rate &om the date of disbursement and shall be payable, with such interest, upon notice from Lender to Horrower re�uesting payment. If this Security Instrument is on a leasehold, Borrower sball comply with all the provisions of the lease. If Borrower acquires fee title to the Properiy, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Martgage Insurance. If Lender required Mortgage lnsurance as a condition of malcing tha Loan, Horrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was re�uired to make separately designated payments toward the premiums for Mortgage Insurance, Bonower shall pay the premiums re�uired to obtain coverage substantially enuivalent to the Mortgage Insurance previously in eff�t, at a cost substantially e�uivalent to the coat to Borrower of the Mortgage Insurance previously in effe�t, from an altemate mortgage insur� 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 insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refimdable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-rafimdable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserva. Lender can no longer require loss reserva payments if Mortgage Inaurance covera.ge (in the annount and for the period that Lender re�uires) providefl by att insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums far Mortgaga Insurance. If Lendet required Mortgage Insurance as a condition of making the Loan and Borrow� was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgaga 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 in tUis 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 Bonower daes not repay the Loan as agr�d. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all auch insurance in force from time to time, and may enter into agreemsnts with other parties tbat share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage ins�tter and the other pariy (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (wluch may includa funds obtained from Mortgaga Insurance premiwns). As a result of the,se agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliata of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments far Mortgage Insurance, in exchange for sharing or modifying the mortgaga insurer' s risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: 2200244242 D VBANE NEBRASKA-Sh�gle FamUy-Fennie Mee/Freddfe Mac UNIFORM INSTRUMENT WITH MERS Form 3038 1/01 VMP (� VMPBA�NE) (11061 Wolt�s Kluwer Flnandal Sarvicea PeOe 8 of 17