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��14�15�4 Any amouats di�bursed by Lender under this Section 9 shall become additianal de�at of Borrovver secured by �his Se�urity Instrument. These amounts sha11 bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender�o Borro�er requesting payment. If this Secu.rity Instrument is on a leaseh�ld,Borrower�hal�cQmply with all the prav�s�o�s o�th�lease.If Borrower acquires fee t��le to�he Pr�perty,the leasehold and the fee�it�e shall na�merge unl�ss Lender agrees to the merger in�rriting. 'I�. Mart�age Insurance.If Lender requued Mortgage�nsurance as a condition of making the Loan, Borrovver shal�pay the prerniums required to maintain the Mortgage Insurance in effect. If, for any reason,the Mortgage Insurance coverage requ�.red by Lender eeases to b�a�ailable from�he mortgage insurer that pre�iousl�provided such insurance and Bo�rower was required to ma1�e separa�ely designated payments toward the premiums far Mortgage Insuranee,Borra�ver sha11 pay the prem�ums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect,at a cost substantiall�equivaZent to the cost t�Borrower of the Mortgage Insurance pre�iously�n effect, from an alterna�e mor�gage insurer selected by Lender. If substantially equivalent Mor�gage�nsurance coverage is not available,Borro�ver shall continue�ta pay to�.ender the amount of the separatel}�design.at�d pa�ments that were due tivhen the insurance e��erage ceased�o be in effect, Lender wi1l accept,use and retain th�se payments as a n�n-refundable�oss reserve in lieu of Martgage Insurance. Such loss reser�e shall be non-refundable, natwithstanding the fact that the Loan is ul�imately paid in fu11,and Lender shat�n�t be requ�.red to pay Borrower any interest or earnings on such loss reserve. Lender can�0 longer require loss re�erve payments if Mortgage Insurance coverage�in the amount and for the period tha�Lender requue�}pro�ided by an insu.rer se�ected by Lender agait�becomes available, is obta.ined,and Lender requir�s separatel�des�gnated payments toward the premiums far Mortgage�nsuran�e. If Lender required Mortgage Insurance as a condition of making the Loan and Borrowet was requi.red to make separately designated payments toward the premiums for Mortgage Insurance,Borrower sha11 pay the premiums required to maintain Mortgag� In.surance in effect,ar to p�'ovide a non-refundable l�ss reserve,until Lender's requirement far Mortga�e I�surance ends in accordance�ith any written agxeement bet�reen Borr�wer and Lender prvviding for su��i termination or until termination is required by Applicable Law.Nothing in this Section 1�affects B�rrower's obligation to pa��nterest at the rate provided in the Note. Mor�gage Insurance reim�urses Lender(or any�ntity th�t purchases the Note�for certain losses it may incur if Borro�rer daes not repay the Loan as agreed, Borrower is not a party to the Martgage Insur�.nce. 1Vlartgage insurers evaluate their total risk on a11 such insurance in force from time to�ime,and may enter into agreements with other parties that share or modify their risk,or r�duce losses.These agreements are on t�rms and�onditions tha�are satisfactory to the mortgage insurer and the other par�y�or parties}to these agreements. These agreements may require the mortgage insurer to ma1�e payments using any source of funds that the rnortgage insurer may have availab�e�which may in�lude funds obta.ir�ed from Mortgage It�surance premiums}. As a result of these agreement�,Lender,any purchaser of the Note,an�ther insurer,any re�nsurer,any other entity,or any affiliate of an.y of the foregoing,may receive(directly or indirec�ly�amounts that derive from(or might be characterized as}a p�rt�on af Banower's payments for Mortgage Insurance, �n exchange for sharing�r modifying the mortgage insur�r's risk,or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the in.surer,the arrangem�nt is often termed"capti�re reinsurance."Further: q4332382Q297 4233 265 D917 NEBRASi�A�ingle Famify-Fannie MaelFr�eddie Mac UNIFQRM INSTRUAAENT WITH MERS Form 3428 11U1 VMP� VMPBA(NE](1342].�4 Vliolters Kluwer Finan�ial�ervices Page 9�f 9�