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201206855 Any amounts disbursed by Lender under this Section 9 sha(1 6ecome additional debt of Borrower secured by this Security instrmnent. These amounts shall bear interest at the Note rafe fi�om the date of disbursement and sl�all be payable, with such interest, upon notica from I,ender to Borrower requesting payment. If this Security InstrumenY is mi a(easehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee YiYle to the Property, the leasehold and Ihe fee title shall not merge wiless I.ender agrees to thc merger in writing. 10. M ortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower sha(1 pay the premiums required to maintain the Mortgage lnsurance io effect. If, for any reason, lhe Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer Lhat previously provided sucl� insurance and BmTower was required to make separately designated paymeots toward ti�e premiums for Mortgage insm�ance, Borrower shall pay the premiums requixed to obtain coverage substanfially equivalent to the Mm�Ygage Insurance previously in effect, a[a cost substantially equivalcnt to the cost Yo Borrower of the Mortgage Insurance previously in effect, from an alteroale mortgage insurer selected by Lender. lf substantially equivalent Mortgage Insurance coverage is not available, Borrowcr shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage censed to bc in efTect. I,ender will accept, use and retain these paymen[s as a non-ref'undable loss reserve i� Iieu of Mortgage Insurance. Such Ioss reserve sliall be non-refundable, notwithstanding the fact fhat thc Loan is ulti�nately paid in full, and Lender shal] not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no Imiger require loss reserve payments if Mortgage insurauce coverage(in the amount and for the period that Lender requires)provided 6y an insurer selected by Lender again becomes available, is obtained, az�d Lender requires separatciy designaYed paymcnts toward the premiums for Mortgage insurance. If Lendcr required Mortgage Iusurance as a condition of making the Loan and Borrower was required to make separately designated payments toward Yhe premimns for Mortgage Insurance, Bm�rower shall pay the premiums required Lo maintain Mortgagc Ineurance in effect, or to provide a non-refundable loss reseive, until Lender's requirement for Mortgage Ineurance ends in accordance with any written agreemeot Uetween Rorrower aud Lender�roviding for such terininarion or until te�mioation is required by ApplicableLaw. NoWing in this Seetion 10 affects Bm�rower's obligation to pay interest at the rate provided in the NoYe. Mm�tgage Insurance reim6urses Lender(or any e�fity that purchases the Note)fm• certain losses it may incur iP Borrower does not repay the Loan as agreed. Borrower is noC a pa��ty to tlie Mortgage Insurancc. Mortgage insurers evaluate their Eotal risk on al1 such insw'auce in force fiam timc to time, and may e�iter into agreements with other parties that share or modify Yheir risk, or reduce losscs. These agree�nents are on terms and conditions that are satisfactory to the mortgage insurer and the other parfy(or parYies)to tl�ese zgreements. Thesc agreemeuts may require the mortgage ii�surer to make payments using any source of funds tl�at the mortgagc insurer may liave available(which may include funds obtained from Mortgage Tnsurance premiwns). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, ai�y other entity, or any affiliate of any of lhe foregoing, may reeeive(directly or indirectly)amounts tl�at derive from(or might Ue characterized as) a portion of Borrower's pnyments for Mortgage Insurance, in exchange for sharing m�modifying Che mm�tgage insurer's risk, or redueing losscs. If such agreement provides that an aFfiliate of Lender takes a share of Che insurer's risk in exchange for a share of�he premiums paid to the insurer, the arraogemenY is often termed "captive reiosurance." Further: BBOt2954]8 8001D5A]8 NEBRASKA-Single Family-Fannie MaelFrstldie M11 ac UNIFORM INSTRpId ENT W ITH MERS Porm 3D28 1107 VM P O^ VM P6A(NE)(11 D5) Wollsrs Kluwer Flnanoiel Servlces Pege 0 of 1!