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�4�2090�� Any amounts disbursed by Lender under this Section 9 shall become additional debt of Bonower secured by this Security Instrument. These amounts shall beaz interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower reyuesting payment. If this Security Instrument is on a leasehold, Bonower sha11 comply with a11 the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title sha11 not merge unless Lender agre,es to the merger in writing. 10 M ortgage Insurance If Lender required Mortgage Insurance as a condirion of making the Loan, Borrower shall 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 Bonower was required to make separately designated payments toward the premiums for Mortgage Insurance, Bonower shall pay the premiums required to obtain coverage substantially 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, 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. 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 required to pay Borrower any interest or earnings on such loss reserve: Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount aiid for the period that Lender requir�) provided by an insurer selected by Lender again t�ecomes available, is obtained, and Lender requires separately designated payments towazd the premiums for Mortgage Insurance. ff Lender required Mortgage Insivance as a condition of making the Loan and Borrower was r�uired to make separately designated payments toward the premiums for Mortgage Insurance, Bonower shall pay the premiums reyuired 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 agreement between Borrower and Lender providing for such termination or until termination is re�uired by Applicable Law. Nothing in this S�tion 10 affects Bonower' s obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any enrity that purchases the Note) for certain losses it may incur if Bortower does not repay the Loan as agreed. Bonower is not a party to the Mortgage Insurance. Mortgage insurers evaluaYe 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 are on terms and conditions 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 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 Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a shaze o�'tlfe inswer's risk in exchange for a shaze of the premiums paid to the insurer, the arrangement i�` often termed "c�ptive reinsurance." Further: 8801301281 8801301261 NEBRASKA-Single Famfly-Fannie MaelFreddie Mac UNIFORM INSTRUMENT WITH MERS Form 3028 1101 VMP � VMPBA(NE) (1105) Wofters Kluwer Financlal Services Page 9 of 1 T .��.... : r:�'Y'ti"