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201207796 Any amounts disbursed by Lender under this Scc�ion 9 shall becoine additiun�[ deb[of Borrowcr sccw�ed by Yhis Security hutrumcnt. These auiomits sliall bear interest at t6c Note rate fi�om thc datc of disbursemcnt ai�d sLiall be payable, wi�h sucl� interest, opon notice from Lender to Borrowcr requesting p2yment. If this Secm�ity Instrumcnl is on a lezse�old, Borrower sl�all cum��ly witl� all tlie provisions af die lease. If Rorrower acquires fee title to thc Properry, Uie leaseliold and the fee [itle tihall not merge unless Le��der agrccs to tlie inerger �� writing. 10. M ortgage Insuranee. If Lender requircd Mortgaac Insurance as a condition of making the Lonn, Bon ower s1�alL pay die prcmiwns reqnired to maint�iin fhe Mortgage lnsur3nce in effect. If, for any reason, the Mortgage Insurance coverage requircd by Cender ceases to be available froiu Lhe mortgage insurer that previously providcd such iiuurauce and T3orrower was rcquircd to mal<e separately designated paymcnts toward the preiniums for Mortgngc lncurance, Rorrower shall pay tl�e premiums rcquircd to oUtain coverage substantiaLly c��ivalent to the Morfgage Insura�2ce previuusly in eftecG, at a cost substanti�lly equivalent to the cost Yo Borrower of the Mortgagc insurance previously io effect, fi�om an altcrnatc mortgage insurcr seleeted by L.ender. If subsCviCi111y equivale��Mortgage Insm�auce coveeage is not 2vailable, Borrower shaLl conCinue to pay u�Lcndcr tl�e amouut of Clie sepacateJy designa�cd paymei�ts tJ�at were due when d�e insurance coverage ceased to be in cCCcet. Lcndcr will acccpt, use and retain thesc��aymcnts as a non-ref�mdxblc loss reserve iu lieu of Mortgage Irisurance. Such loss reserve shall be noii-refundable, notwithsttmding die fact t1�aL �hc Loan is ultimately paid in full, and Lcndcr shxll not be required to pay 13orrowcr airy interest or earni��gs on such loss rescrce. l.,ender can no longer require loss rescrvc ��aymcnts if Mort�*age Insurancc coverage (in[l�e amount¢md for lhc periud Uiat Lender requires) �rovided by an insurer selected by Lender again bccomes available, is obtained, and Lendcr rc�uiras ticparately designaied payments Wward thc premiums for MoiYgage Insiu�ancc. If Lcnder requireci MorCgage Insucance as a condition o�F inaking the I,uan and Rorrowzr was required to mal<c separately designated payuienCs Coward the prcmiuins far Morfgage Insuranec, Borrower sl�all pay Che prenuums required Co rnatn�xin Mortgage Insurancc in cfibct, ar to provide a non-refundxblc loss reserve, unYil LeddeP s tequiremeut fur Mor�gxgc Insttrance ends in accordance wiPh any�vriCten agreeroent bclween Borrowec and Le�der providing for such Cerininatiou or unCil terinination is required by Applicable Law. No[I�ing in O�is Seclion 10 affects I3orrowcr's obligarion t�o pay interest at thc ratc provided in tlie Nofe. Mortgagc Insura�ice reimburses Lencler(ur uiry eiitiry that purohascs the Note) for cer[nin Josscs it may incur if Borrower does��ui re}�ay the Loan as 2g��eed. Borrowcr is not a parry ro Clie MotCgage Insnrance. MorCgage insurers evxluate their total risk on all sucl� insw dnce in force from time W time, and may entcr into agreemeuts witl� other f�arLies tl�at sl�are or modify theic risl<, or rcduce losses. These agreements are on tetms and conditions that ace satisfactory to thc mortgage insurer and the other parry (or par�ics) to tl�csa agieements. Tl�ese agreemcnts may cequire the mortgage insurer to make payments usi��g auy source of fimds that O�c mortgage iustu'er may havc available(which may include funds obLained fi�om Mortgage I��surance premiums). As e result of thes�ag-ccments, Lei�der, any ptin-chascr of the Note, another insurer, 2ny reinsurer, any other entiry, or aay affiliatc of aoy of the foregoing, a�ay reecivc(directly or indirectly) amounCs A�at derivc Crom (or miglit be characteri�cd as) a portion of Borrowec's paymente for Mor�gage Insurance, in exchanga for sharing or modifyiug the mortgnge insurcr's rislc, or rcducing losses. [f sueh agree�nem provides tl�at an aPfiliate of Lcnder Talces a share of tlie insurer's rislc in exchauge for a slilre of tEie premiums paid to tl�e insurer; the arr�uigement is often termed "captivc reinsuiancc." Furtl�er: 8801300A82 n .(� 880�30�482 NE�RNSKASIngle Family-Fannie MaelReddle Mac IIMFORM INSTHl1MENT WI�[N MERS 6�•G�-P�. Fom�3028 1101 VMP n0 VMP6A(NE)�1106) Wollars Kiuwer Financial Servlcos Paqe 8 0(1]