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�o12a�95� Any amounts disb� by Lender under this Saction 9 shall bacome additianal debt of Borrower sec�ued by thia Security �ns�men� These a�nounffi aha111msr interest at the Note rale &om the date of disb�u�sement and shall be payable, with such interest, upon notica from Lender to Borrower requesting payment If this Security Instru�nt is on a leasehold, Borrower shall comply with all tha provisions of the lessa. If Bonower acquires fea titla to tha Pro�riy, the leasehold and the fee title shall not m,erge unless I.ender agrees to the nierger in writing. 10. Mortgage Ir�urance. If L�der required Mortgaga Insurance as a condition of making the Loaa, Borrower ahall pay the premiums reqirired to maintain the Mortgage Ins�rance in effect. I� for any reason, the Mortgage �nsurance coverage reqiured by Lender ceases to be available from the mortgage insurer that previously provided such ins�aance and Hosower was raquired to make sepazately desi9nated PaYmeats toward the premiu� for Mortgaga Insurance, Borrower shaU pay tha premiums required to obtain coverage subst�tially emuvalent to tha Mortgage Insuranca previously in effect, at a cost substantially equivalent to the cost to Boaower of the Mortgage Insurance previously in effact, from an alt�nata mortgaga inaurer salected by Lender. If substantially equivalent Mortgaga Insuranc� coverage is not available, Borrowez sball continue to pay to Lender the a�unt of the separataly designated payments that were due when the insuraace coverage ceased to he in effect. Lender will accept, use and retain these pay�nts as a non refundable loss reserve in lieu of Mortgage Ins�u�ance. Such loss reserve shall ba non refimdable, notwithstanding the fact that tha Loan is ultimately paid in full, and Lender shall not be re�quired to pay Boaower any interest or earnings on suackh loss reserva. Lender c�n no longer require loss reserve payments if Mortgage Ins�uance coverage (in tha �unt and for the p�iod that Lender requires) provided by aa insurer sale,cted by Lender again beco�s available, is obtained, and Lender requiras separately dasignated payments toward tha pramiums for Mortgage Insurance. If L�der rcquired Mortgaga Ins�u�ance as a condition of malring the Loan and Boaower was required to make separatsly designated payments toward the premiums for Mortgaga Ins�u�ca, Horrower shall pay tha premiums required to maintain Mortgage Insiu�aace in effect, or to provida a non-refundabla loss reserve, imtil Lendar's requirement for Mortgage �nsiu�ancx ends in accordaace with any written agree�ent betwe�n Bonower and Lender providing for such termination or until taimination is required by Applicable Law. Nothing in tlus Section 10 affects Borrower's obligation to pay interast at the rate provided in the Note. Mortgage Insuraace reimbursas Lander (ar any entity that purchases tha Note) for certain losses it �y incur if Borrower d�s not repay ths Loan as agreed. Borrower is aot a party to the Mortgage Insurance. Mortgaga insurera evaluate their total risk on all such insurance in force from ti� to time, and may enter into agree�nts with other parrias that ahare or m�ify thair risk, or reduce losses. These agreements are on terms and conditions tUat are satisfactory to the mortgage insurer and the other Part}' (or psrties) to thase agreements. These agreeanents may r�uire tha mortgaga insurer to malca PaYments using any sourca of funds that tha �rtgaga inaurer may hava available (which may includa funds obtained &om Mortgage Insurance Pramiums)• As a result of these agr�nts, Lender, anY Purcl�aser of tbe Note, another insurer, any reinsurer, any other entity, or any affiliata of any of the foregoing, may receive (directly or indirectly) smo�mts that deriva from (or might be char�terized as) a portion of Borrower's paymeats far Mortgage Insuraace, in axchanga for sharing or �difying the mortgage insurer' s risk, or reducing loases. If such agr�nt provides that an affiliate of Lend� takes a shaze of the insurer's risk in exchange for a shaze of the premiums paid to the insurer, the azrangex�nY ia often termed "ca.ptive reinsurance." Furthar: 2200288381 ` N / E M B P RA,4KASin�e FemBy-Fennie MaelF� Mao UNIFORM INSTRUMINT WRH MERS Wokere Khiwer Ffrter�ciN 3avkse D VBANE Form 3028 7 /01 VMPBA(NE►11106) Pege 8 of 7 7 � � �S ,