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�0120�01� Any amounts disbursed by Lender under this Secdon 9 sha11 become addirional debt of Bonower secured by this Security Instnunent. These amounts sha11 beaz interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Bonower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquir�s fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. M ortgag� Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower sha11 pay the premiums required to maintain the Mortgage Insurance in eff�t. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Bonower sha11 pay the premiums required to obtain coverage substanrially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an altemate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower sha11 continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve sha11 be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender sha11 not be re�uired to pay Borrower any inter�t or eamings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Bonower was required to make sepazately designated payments toward the premiums for Mortgage Insurance, Bonower shall pay the premiums 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 agrcement betw�n Bonower and Lender providing for such temvnation or unril termination is required by Applicable Law. Nothing in this Section 10 affects 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 dces not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements aze on terms and wnditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agrcements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other enrity, or any affiliate of any of the foregoing, may receive (dir�tly or indirectly) amounts that derive from (or might be characterized as) a gortion of Borrower's payments for Mortgage Ins�uance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agrcement provides that an affiliate of Lender tak� a share of the insurer's risk in exchange for a shaze of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: BBD7311850 88013118b0 N�RASKASingle Family-Fennie Mee/Freddie Mee UNIFORM INSTRUMENT WITH MERS Form 3028 1/01 VMP @ VMPBA(N� (110b) Woltere Kluwer Flnencial Servicea Pege 8 01 1r :r