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20120765� Any amounts disbursed by Lender under tlus Se�tion 9 shall become additional debt of Borrower secured by tUis Security Instrument. These aamunts shall bear intar�est at the Note rata from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting paymen� If this Secu�rity 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 fa title shall not merge unless Lender agr�s to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of maldng the Loan, Borrower 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 provideci such insurance and Borrower was raquire� to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain covaraga substantially e�uivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurancx previously in effect, from an alternata mortgaga insurer selectai by Lender. If substantially equivalent Mortgage Insurance covera.ge is not available, Barrower shall continue to pay to I.ender the aznount of the separately designated payments that were due when the insuu�raance coverage ceased to be in eff�t. 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-refimdable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be requ'ved to pay Borrower any interest ar earnings on such loss reserve. Lender c�n no langer require loss re,serve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer sele,cted by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurax►ca. If Lender require� Mortgage Insurance as a condition of making the Loan and Bonower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the pramiums required to maintain Mortgage 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 tlris Section 10 ai�e,cts 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 d�s not repay the Loan as agreed. Bonower is not a pariy to the Mortgage Insuranca. Mortgage insurers evaluate their total risk on all such insurance in forca from time to time, and may enter into agr�ments with other parties that share or m,�ify their risk, or reduce loases. These agr�ts aze on terms and conditions that are satisfactory to the mortgage insurer and the other Pazt}' (or parties) to these agr�ts. These agr�ts may require the mortgage insurer to make payments using any source of funds tbat the mortgage insurer may have available (wluch may include funds obtained from Mortgage Insurance premiums). As a result of these agr�ts, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that deriva from (or might ba characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer' s risk, or reducing losses. If such agrcement provides that an affiliate of Lender takes a shere of the insurer' s risk in �changa for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: 2200300133 D VBANE NEBRASKASingle FemBy-FanNe Mae/Freddle Mao UNIFORM WSTRUMENT WITH MERS Fam 3038 7/01 y�y�p � VMPBA�NE) (1106) Wolt�s Kluwer Fh�endal Services Pa9a 8 of 17 1°�r