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��14�5��5 Any amaunts d�sbursed hy L�nde�under�his 5e�tion 9 shall b�came additiona� d�bt of Borraw�r secured hy this 5�curity InStrument. These amoun�s shall bear interest at the Nvte rate f�om �he da�e of�isburs�ment and shall be payable.with such interest, up�n n�tic�from l.ender to B�r�ower�equesting payment. If this 5e�urity In�trument is an a leasehald, Bvrrower sha�� omply with a�l �he pr��is�ons of the lease, If Barrower a�quires fee t�tle tn the Property. the leasehold and the fee tit�e shall not merge unless Lender agrees ta the merger in writing. 1 a, Mortgage In�uran�Q, If Lende�requir�d Mo�tgage Insuran�e as a �ondition �f making the �oan, Borrowe� shall pay �he premiums required to rnaintain the M�rtgag� In�uran�e in efFect. �f, for any reason, th� M ortgage Insu ran�e ta�erage req u ired hy �ender ceases t� be a�a i�ab1e from the mortgage i nsu rer that pre�iously pra�ided su�h insurance and 8orrower �vas required t� rnake s�parately �esignat�d payments toward�he premiums for Mortgage Insurance, Borrower sha�l pay the premiums requi��d to obtain ��verag� sub�tan�ially equi�alent to the MartgagQ Insurance pre�ious(y in �ffeet, at a cost su��antially Qqu��a�ent to the cast to Borr�we� �f the Mortgage Insuran�e pre�iousiy in effe�t, from an alterna�e mortgage insurer 5elected by L�nder. If 5ubstantially equi�a�ent Mortgage �nsurante�o��rag� is not a�a��ah�e, B�rrower shall cvntinue to pay �o Lend�r the amaunt of �he separately designated payment� that were due v�hen �he insuranc� cove�age ceased to be in eff��. �ender wil� actept, use and retain �hese payments as a non-�efundable loss reserve in I��u of M�rtgage insuran�e. Such loss reserve sha�l be n�n�efundable, notwiths�andi ng the fact that the Laa n is uitimate ly paid i n fu!�, and ��nder sha I� nvt b� req ui red to pay Borr�wer any interest ar earnings on su�h �oss res�rve. Lender�an no longer requir� loss resenre payments if M�rtgage �nsurance �o��rage �in the amount and fflr the periad that Lender requir�s} p�ov�ded by an insurer sel�ct�d hy Len�er again be�ornes a�ailable, is obtained, and �ender requires separately designated payments �ov�ard the premiums far Martgage Insurance. �f �ender required Mortgage Insuran�e as a cond�tion �f making the �oan and Borrarrv�r was required�o make s�para�ely de5ignated payments toward the �remiums for Martgage �nsurance, Borrawer shal� pay th� pr�miums required to mainta�n Mortgage Insuran�e �n effect. �r to pr�Wi�e a n�n�=efundab�e Ivss rese�ve, until L�nder's requirement far Martgag� Insuran�e ends in ac�ordance with any wri�ten agreement between B�rrower and L�nder pro�iding f�r such �ermina#ion or unti� �ermination is requir�d by Applicable Law. Nothing �n this 5e�#i�n 1� affects B�rrawec'S obligation to pay intQrest at�he ra�e p�4�ided in the Note. Mortgage Insurance reimburses Lender�or any en�ity that �u�chases the Nate�for certain Iosses it may incur if Borr�wer does n�t�epay the Lflan as agre�d. �arrower is na�a par#y to the Mortgage Insurance. Martgag� in�urers �►►aluate �heir tatal risk on a�l su�h ins�uran�e in farce fro�n t�me to �irne� and rnay enter inta agrQ�m�nt�w�th other parties that share or modify their risk, �r reduc� I�sses. These agreements are on terms and ��ndi�ions tha� are satisfa�tory to �he rnortgage insurer and the other party �or �arties� ta thes� agreem�nts.These agreements may require thp m�rtgage insurer to rnake payrnents using any sour�e of funds that#he �n�rtgag� insurer rriay ha�e a�ai�ab�e �which may in�lude funds 4b�ained from Mortgage Insuran�e premiums}. As a result of these agreements. Lend�r, any pur�haser af the Note. another insurer, any reinsur�r, any other entity, o�any affiliate af any of th�f�regoing, may reC�i�e{dire�t�y or indirectly} am�unt�that deriv�fr�m ��r m�ght b� chara�teriz�d as} a portifln vf Bvrr�wer's paym�nts f�r M�rtgage Insuranee, in exchange for sharing or m�difying the mortgage �nsurer's risk, or reducing los�es. If such agreem�nt pro►►ides that an aff�liate of Lend�r takes a share of the insurer's risk in ex�h�nge for a share af the premiums paid to the in5urer.the arrangement is often terme� "�apti�e re�n�urance." Further: oa1�a4a313� [itiba�k 3.�.$�.09� NEBRA5KA31ngie famiiy-Fannie MaelFreddie Mac L1NIF�RM INSTRUMENT WITH MERS Fnrm 3��8 11Q7 VMP� VMPfiA[NE]{7302y.00 Wnite�s Kluwer F�r�ar�ci�l Ser►�ices Page 9 of 7 7