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• . 201209340 Any amounls dishursed by Lender under this Section 9 shall become additional deb[ of Borrower secured 6y [his Security Instrumenl. These amounts shall bear interest at the Note rale from the date of disbursement and shall be payable, with such interesl, upon notice from Lender to Borrower requesting payme�(. If this Sewrily Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee litle to the Property, the leasehold and the fee title shall no[ merge unless Lender agrees ro the merger in writing. 10. Mortgage InsuranCe. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain �he Mor[gage Insurance in effecL If, for any reason, the Mortgage Insurance coverage required 6y Lender ceases to be available from [he morgage insurer (hat previously provided such insurance and Borrower was required to make separately designated paymenis roward [he premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effec[, at a cos� substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alterna[e mortgage insurer selected by Lender. If substanlially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designaled payments that were due when the insurance coverage ceased to be in effecL Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Morlgage Insurance. Such loss reserve shall be non-refundable, nolwithslanding the fact tha[ the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interes[ or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for Ihe period that Lender requires) provided by an insurer selecled by Lender again becomes available, is obtained, and Lender reqaires separately designated paymen[s toward the premiums for Morlgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required b make separalely designated payments toward Ihe premiums for Morlgage Insurance, Borrower shall pay the premiums required [o maintain Mortgage Insurance in effec(, or to provide a non-refundable loss reserve, unlil Lender's requirement for Mortgage Insurance ends in accordance wilh any written agreement between Borrower and Lender providing for such terminalion or until termination is required by Applicable Law. Nothing in this Sec[ion 10 affects Borrower's obligation lo pay interest at the rate provided in the No[e. Morlgage Insurance reimburses Lender (or any e�tity thal purchases lhe Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to [he 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 are on terms and conditions that are salisFactory to the mortgage insurer and the other par[y (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds thal the morlgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of Ihe Note, another insurer, any reinsurer, any o[her endty, or any affilia[e 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 morlgage insurer's risk, or reducing losses. If such agreement provides tha[ an affiliale of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid [o the insurer, the arrangement is often termed "cap[ive reinsurance." Further: 001123233151 NEBRFSKA�Single Family-Fennie Mae/Fredtlie Mac UNIFORM INSTRUMENT WRH MERS VMP� Citibank 3.2.63.13 V3 Wol[ers Kluwer Financial Services Form 3D28 1/Ol VMP6A(NE)(i�05).00 Page 9 0l 17