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201208268 Auy amounts disbursed by Lender under this Section 9 shall become additional debt of Bonower secured by this SecuriTy Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold,Borrower shall comply wit6 all the provisions of the lease. If Sorrower acquires fee title to the Property,the leasehold and the fee tiUe shall not merge uuless Lender a�ees to the merger in writing. 10. Mortgage Insurance.IFLender required Mortgage Insurance as a condition of making the L,oan, Borrower shall pay the premiums requued to maintain the Mortgage Insurance in effect. If, for any reason,the Mortgage Insurance coverage required by Lender ceases to be available from the modgage insurer that previously provided such insurance and Borrower was required to make sepazately designated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mor[gage Insurance previously in effect,at a cost substantially equivalent to the cost to Borrower of the Modgage Insurance previously in effect, from an altemate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the sepazately 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 shall be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be requued to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payenents if Mortgage Iusurance coverage (in t6e amount and for the period that Lender requires)provided by au insurer selected by Lender again becomes available, is obtained,and Lender requires separately designated payments toward the premiums for Mortgage Inswance. If Lender required Mortgage Insurance as a condition of making the Loan and Bornower was required to make sepazately designated payments toward the premiums For Mortgage Insurance,Borrower s6a11 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 acwrdance with any written agreement between Borrower and Lender providing for suc6 termination or until termination is required by Applicable L,aw.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 entiry that purchases the Note) for certain losses it may incur if Borrower does 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 conditions that are satisfactory W the mortgage insurer and the other party(or parties)to these agreements.These agreements may requve the mortgage insurer to make payments using any source of funds that the mortgage instuer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lendec, any purchaser of the Note, another iusurer, any reinsurer, any other entity,or any affiliate of any of the foregoing,may receive(directly or indirectly)amounts that derive from(or might be characterized as)a portion of Borrower's payments for Mortgage Insuranee, in exchange for sharing or modifying the mortgage inswer's risk, or reducing losses. If such agreement provides t6at an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer,the arrangement is often termed "captive reinsurance."Further: NEBR4SNASingle FamllyFannle Mae/Fredaie Mac UNIFORM INSTRUMENT WITH MERS Fortn 30281/�t VMP� (� VMP6A(NE)(1105).OD IIIII'I�'IIIrIIIIIcIIIIIIIIIIIIIIIII'llllllllll��ll G�� Paga9otl� q03310769901 0233 185 0917