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� • � . 201208202 Any auiounts disbu�sed by Leuder under this Sectiou 9 sliall become additional debt of Borrower secured by �� this Security Instrument. These amounts sliall bear intecest at the Note rate from die date of dishursement I and shall be payable, wiCl� sucli interest, u�n notice from I.eude� to Bonower reyuesting payment. If tliis Sc�;u�ity Ivstrument is on a leasehold, Borrowe�shall couiply with all the p�ovisions of the lease. If Ba�ower acyuires fee tide to die Property, the leasehold and the fee title sUall nM merge unless L.ender agrees tn the merger in wiitivg. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the I.oa��, Borrower sliall �ay the prenuunu reyuiied ro maivtain the Mongage Insurance in effec[. If, for any reason, the ' Moctgage Insurance coverage required by Lender ceases to be available from the mortgage iusurer that previously provided such iaturance and Borrower was required to make separately desigitated payments toward the prenumns fo�Mongage Insu�ance, Boaower shxll pay U�e premiums required ro obtain coveiage ' substantially eyuivalent to N�e Mortgage Iusucance previously iu effect, at a cost substautially equivalei�[to the cost to Boirower of the Mortgage Insurance previously in effect, from an alternate mortgage insarer selected by I.endee If substautially equivalent Mortgage Insurance coverage is unt available, Borrower shall contiuue ro pay to L.endec the amomrt of die separately designated paymeuts[hat were d�e when the ii�surance ewerage ceased to be in effuL Lender will accept, use aud retaiu these paymeuts as a non-refundahle loss reserve in lieu of Mortgage Insurance. Such loss reserve�lull be non-refundable, uotwitlistanding the fact tl�at tlie I.oav is ultin�ately paid in full, and Le��der sUall not be requiced to pay Borrower auy interest or earniugs on sucl� loss reserve. Lender can no bnger requice loss reserve payments if Mortgage Iacarance coverage(in the amount and for d�e pexiod that Lendec reyui�es) provided by an insurer selected by L,ender again becomes available, is obtaineJ, and L.ender reyuires xparately desig��ated payments toward Hie premiums for Mortgage Insura�ice. If Lender required Mor[gage [nsucauce as a coiidition of making tlie I.oau and Borrowe�was�equixed to make separarely designated payments[oward the premiums for Mortgage Insurance, Borrower shall pay the prenuums reyuired to maintain Mortgage I�uur:mce in effect, or to provide a non-�efundable loss reserve, until L.ender's requirement for Mortgage Insurance ends in accorclance witl�any writtev agreement between Bo�rower and Lender proviQing for such temrinatiou ox uutil ternuuatiou is cequired by Applicable I,aw. Nothing iu this Sc�:tiou 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Moctgage Insutance ceimbaxses Lende� (or any entiry that purcliases tlie Note) for certain losses it nuiy incur if Bo�rower does uot repay the Luan as agreed. Borrowec is uo[x party to the Mortgage Insurance. Mortgage iusurers evaluate their total risk on all such insuravice in force from time to time, and may enter into agreements with otlie�parties tl�at sliare or modify tl�eir risk, or reduce losses. These agceements a�e oi� tern�s and conditions that are satisfacroxy ro the moctgage iusarer and die odier guty (or parties) tu these agreemeuts. These agreements nnty �equire the mortgage insu�er[u mnke paymen[s using any soarce of funds that tlie nmr[gage iusurer may have available(which may include funds obtainrd from Mortgage Ivsurance premium5). As a �esalrof these agreemen[s, Lender, any purcl�aser of die Note, ano[he�iusacec, any reinsurer, any odier eutity, or auy affiliate of any of the focegoing, may receive(direcdy or iudirectly) amounts dut derive from(or nright be charac;[erized as) a portion of Borrowei s pa9ments fo�Mortgage Insurance, in excliauge for sharing or modifying tUe mortgage insurer's risk, or reducing losses. If such agxeement provides tlut an aftiliate of I.ender takes a share of the insurer's risk in exchange for a sliare of the prenuums paid to tl�e insurer, the arrangement is ofren termed "captive reinsurance." Further. tosANE o0068]94322o Sevtember11,2o12 NEORASKA�Single Family-Fannie Mae/Fretldie Mac UNIFOFM INSTRUMENT WITH MEFS form 30261101 VMP� VMP6AME1111061.00 Wolrers Kluwer Financial Services Page 9 of 1]