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�0�20787ti Any amounts disbursed by Lender under tlris Section 9 shall be�ome additional debt of Boaower s�ural by ttris Security Instcvment. These amounts shall bear interest at the Nota rate from the date of disburaement and shall ba payable, with such interest, upon notice from Lender to Bonower requesting paymen� If this Security Instrument is on a leasehold, Bonower shall comply with all the provisions of the lease. If Borrower acquires fce title to the Property, the leasehold and the f� title shall not merge unless Lender agre�s to the merger in writing. 10. Mortgage Insuranc�. If Lender required Mortgage Tns�uance as a condition of ma�ng the Loan, Borrower shall pay the premiums re�uired to maintain the Mortgage Insurance in effe�t. If, for any reason, the Mortgage �nsiu�ance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make sepazately designated payments toward the premiums for Mortgage Insurance, Barrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance praviously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, &om an alternate mortgage inaurer 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 in effect. I,ender will accept, use and retain these payments as a non-refimdabla loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be require� to pay Hoaower any interest or earnings on such loss reserva. Lender c�n no longer require loss resarve paymenta if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by I.ender again becomes available, is obtained, and Lender requireg separately designateci payments toward the premiimas for Mortgage Insuranca. If Lender requirad Mortgage Insurance as a condition of malcing the Loan and Borrower was required to make separately d�ignated payments toward the premiums for Mortgage Insurance, Borrow� shall pay the premiums required to maintain Mortgage Insurance in effe�t, or to provide a non-rafundable loss reserve, until Lender's requirement for Mortgage Insiu�ance ends in acxrordance with aay written agreement between Borrower and Lender providing for such termination or imtil teimination is required by Applicable Law. Nothing in this Se�tion 10 affects Bonower' s obligation to pay interest at the rate provideci in the Note. Mortgage �nsurance reimburses Lender (or any entity that purchases the Note) for certa�in losses it may incur if Borrower does not repay the Loan as agr�l. Burrowar is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in forca from time to time, and may entar into agreements with other parties that ahare or �dify their risk, or reduce losses. These a,gi�eements are on terms and conditions that are satisfactory to tha mortgage insurer and the other party (or parties) to these agre,ements. These agreements may renuire the mortgaga insurer to mske payments using any source of funds that the �rtgage ina�uer may have available (wluch may include funds obtained from Mortgaga Insurance premiums). As a reqult of these agr�ments, 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 derive from (or might he ch�racterized as) a portion of Bonower's payments for Mortgage Insurance, in exchange for sharing or �difying the mortgage insurer' s risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a shaze of the insurer' s risk in exchange far a shaze of the premiums paid to the insurer, the arrangement is often termad "captive reinsurance." Further: 2200271788 D VBANE NEBRASKA-Sfngle FamOy-F�rde Mee/Freddie Mac UNIFORM INSTRUMENT WITH MERS Form 3038 7/01 y�y�p � VMPBA�NE) (1706) WWtere KNwer Fh�er�dal Servkea Page 8 of 17 w�¢ �