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�D15D�1 � 1 � � utili�xes turned on or off.Al�hough Lender may ta.l{e acti�n uz�der this Sectian 9,Lender daes no�ha�e to do s�a.nd�s not under any duty o� obliga�ion ta d� sa. �t is agreed�hat Lender in�urs n4 liabili� for na�taking any or aI� actions au�h�rized under th�s Sectian 9. Any amounts disburse�by Lend�r under�his Sect�an 9 shall become additianal deb�af B�rrower secured by this Securi�y Instrumen�.These amounts sha�l beax inter�s�a�the N�te rate fr�m the da�e of disbursernent and shall b� paya��e,with such inte�est,upon na�ice from Len�er�o Borrower r��uesting paymen�. If�hYs Security�nstrument is an a l�asehald,Borravver shall�omply with all the pro�iszons of�he lease.�f Bor�-ower a�quires fee ti�le��the Pr�per�y,the�easeh�id and�he f�e title shall not me�rge unle�s Lender agrees�o the merger in �iting. lD,Mvr�gage Insurance.IfLender requ�red Mor�gage�nsurance a5 a�oridi�ion�f makinb�he Loan,Bor�r�wer shall pa�r the premiums requi�red#o maintain the Mar�gage Inst�rance in eff�ct.If, for any reasan,�he Mo�tgage Insuran�e coverag�renuired by Lender ceases to be a�ai�able fron�the mar�ga�;e insurer tha�p�revi�usly pro�id�d such insurance and Borrower was required to make separa�eiy des�gnated paymen�s toward the premiums for Mortgage�nsuranc�, �3orrov�er shali pay th� pr�m�ums required to obtain c��rerage su�s�aritiaii� equivalen�to the M�r�gage Insu�rance pre�iously xn effect,at a cost substantially equ�va�ent to the�os�to Borrowe�of�he Martgage�nsurance previausly in effect,firorn an alterna�e mar�gage insurer sel�c�ed by Lender.�f su�s�an�ia��y ec�uivalent Mar�gage�nsurance coverage i� nat available,Borra�vver sha��con�inue ta pay to Lender the amaun��f the separateiy des�gnated paymen�s that were due . when the insuran�e �o�erage �eased ta be �n effect. Le�der wi11 a�cept, use and retain these paymen�s as a non- refundab�e loss reserv�in lieu of Martgage Insuarance.Such�Qss reserve shal�be nan-refundab�e,n�t�nri�hstanding the fact that the L�an�s ult�ma�ely paid�n full,a�.d Lender sha��nat be rec�uired to pay Borrower any interes�ar earnings on such Ioss reser�e.Lende�r can nv longer r�quixe�oss reser�e payments if Mor�gage�nsuran�e�Q►v�rage(in the amqun�and for the periad that L�nder requires}pr�vided�y an�nsure�se�e�t�d by Lender again be�ames a�ailabl�,is obtained,ar�d Lender requires separa�el� designated �a�m�r�ts to�rard the pr�miums for Mort�ag� �nsurance. If Lender requ�red Mor�gage Insu�ar�ce as a condi�on of making the Laan and Bvrrawer�ras required to rnake sepaxately d�s�gnated � payments t�ward the premiums f�r Mar��age Insuranc�,B arroti�er shall pay the premxurns required to ma�n�a�n Mor�gag� � nsurance�n e ect,�r��pr��ide a n�n-refundab�e Ioss reser�e,until Lender's requiremen�fo�Mor�gage�nsuxance ends in accordan�e wi�h any wri�ten agreemen� be�een Sorrawer and Lender pro�iding far such termina�ian ar unt'rI termination is�equired by Applicable Law.Nothing in this Sec�ion 1�affects Borrower's�bligation to pay in�erest a�the rate prv�ided in the Note. M�rtgage Insurance reimburses Lende�r�ar any entity that purchases the Note)for certain losses i�may incur xf Borrower does no�repay the Laan as ag�reed.Barrvwer is not a party to the Mflr�gage Znsurar�ce, M�r�gage Insurers�valua�e their�atal�isk on all su�h insurance in fnrce from�ime t�time, a,nd may en�er int� a�reements u��h other parties�hat share ar rnoc�if�th�ir risk, or reduce Iasses.These agre�ments are Qn terms and condit�ons�hat are satisfactary to the mor�gage insurer axxd the o�her party �ar parties)ta these agr�ements. These � a�reemen�s may require the mor�gage insur�r�a make paym�n�s us�ng any s�urce of funds tha��th�mortgage znsu�rer may ha�e ava�lab�e�vvhich rnay include funds abtained from M�r�gage Insurance prem�ums�, i As a r�sult tif�hese agreements,Lender,any purchaser of the nate,anather insurer,an�re�nsurer,any other en��ty,or affilia�e�f any of tihe fareg�ing,may rec�ive�dxrec�ly�r indirec��y}amaunts�ha�d�ri�e fr�m�ar might be characteriz�d as� a portion of Borrav�rer's payment�f�r Mor�gage�nsurance, in exchange f�r sharing ar madifying the mortgage insurer's�r�sk,a�redu�ing�osses.�f such agreern�n�pro�ided that an a��iate flf Lender takes a share ofth�insurer's��sk �n e�change for a shaxe of the premiu.ms paid to the in�urer,the ar�rangemen�is often�ermed"�ap�i�e reinsu.rance." Further: �a}Any such agreements wil�not aff�c��he amounts tha�Barrower has agreed to pay for Martgage Insurance, or any��her�erms af the Loan.Such agreemen�s w��not Yn�re�se�he amaunt Borro�ver w�1I�we for Mortgage Insuran�e,and they will aot entit�e Barrower to any refun�. �b�Any such agreements will x�at affect�he r�ghts Borrnwer has�-�f any-�with respec�to th�Mortgage Insurance under the Horneowners Protection Act of 1995 vr any o�her�aw.These rights may inc�ude#he right to re�eive cer�azxa disclosures,�o request and abtain cancel�a��an of�he M�rtgag��nsurance,to have#he M�rtgag� NEBRASKA-Sing[e Famiiy-Fannis NtaelFrsdd�e ifAac UN[FQRM 1N5TRUMENT Fvr 3�28 �10'� , Page 7 0��3 � � � �°5��'�� Borrawer�s}In�tia[s " � -�.:�--�-- l