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20120417� Any amounts disbursed by Lender under this SecHon 9 shall become addiflonal debt of Borrower secured by this Security Instrument. These amounts shall bear �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 Insttvment is on a leasehold, Borrower shall comply with all the prov9sions of the lease. If Borrower acquires fee tide to the Property, the leasehold and the fee flde shall not merge unless Lender agrees to the merger ln wrlting. 10. Mortg�ge Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance 9n effect. If, for any reason, the Mortgage Insurance coverage requ9red by Lender ceases to be ava9lable from the mortgage lnsurer ttiat previously provided such 9nsurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substanHally equivalent to the Mortgage Insurance previously in effect, at a cost substan8ally equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Bonower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be 9n effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ulNmately paid in full, and Lender shall not be required to pay Borrower any �interest or earnings on such loss reserve. Lender can no longer requ�re loss reserve payments if Mortgage Insurance coverage (in the amount and for the pedod 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 Insurance. If Lender required Mortgage Insurauce as a conditlon of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance ln effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any wrltten agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing 9n this Section 10 affects Borrower's obligaflon to pay interest at the rate provlded �in the Note. Mortgage Insurance reimburses Lender (or any entlty that purchases the Note) for certain lasses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate the�r total rlsk on all such insurance in force from time to time, and may enter into agreements with other parties that share or raodify the�r rlsk, or reduce losses. These agreements are on terms and conditions that are saflsfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may requ9re the mortgage insnrer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obta9ned from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another lnsurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (dlrecdy or indirectly) amounts Wat derlve from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, ln exchange for sharing ar modifying the mortgage 9nsurer's rlsk, or reducIng losses. If such agreement provides that an afflliate of Lender takes a share of the insurer's rlsk in exchange for a share of the premiums paid to ihe insurer, the arrangement is often termed "captive reinsurance." Further: 001122984783 C(Ubenk 3.2.b5.07 V1 NEBRASKA•Strigle Femily-Fannia MaelFreddle Mac UNIFORM INSTRUMENT WITH MERS Form 3028 1/07 VMP � VMPBA(IVE) (1705).00 Wolters Kluwer Flnarxlal Services Pape 9 of 17