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2� 1 ��38 An.y�.mvunts disbursed by Le�der under t�►is Section 4 sha11 become additiona�deb�t o�Borrow�r secured by this Security Instrument. These amounts sha��bear interest at the Note rate from the date of disburseme�t and shall be paya�b�e,�vith such interest,upon n.otice�'rom Lender to Borrativer requesting paym�nt. If this Security In�trum�nt is on a�easehold,Barrower shall comply�vith a11 the provisions af the 1�ase. If Borrovver acquires fee title to the Pr�perty,the Ieas�hold and the fee title sh�.11 not merge un�ess Len�er agrees to the merg�r in writing. '!�. Mortgage In�urance.If Lender required Mortgage Insurance as a conditian of making the Lvan, Borrower sha��pay the pr�miums requ�red to maintain the Mortgage Insurance in effect. If, far an�reason,the Mortgage Insurance coverage required by I�ender ceases ta be ava��ab�e fram the mortgage insurer that previously provided such xnsuranc��nd Borrower u�as requvred ta make separat�Iy designated payments t�ward the premiurr�s for Mortgage Insu.ranc�,Borrower sha11 pay the premiums r�c�uired ta obtain coverage substantially equivalent to the Mortgage Insurance pre�iaus�y in effect,at a c�st substantially eq��valen�to �he cost tQ Barrower of the Mortgage Insurance previously in effe�t,from an altern.ate rn4rtgage insurer selected by Lender. If substa.ntially equ��alent Mortgage Insurance�o�erage is not available,Borrawer sha11 �on.t�nue to pay to Lender t�.e a��o�n�of the s�paratel�desig�a�ed payments tha�v��re d�e when the insurance coverage ceased to be in effect. Lender wi11 accept,use and retain these payments as a non-refundable loss reserve in Iieu�f Mortgage Insurance, Such loss re�er�e shall be non-refundabte, no�v�thstanding the fact that the Loan is uZtimateiy paid in ful�,and Lender shalt not be required to pay �arrotiver any intere�t or earnings on such�oss reser�e.Lender can no longer require loss reserve payments if Mortgage Insurance coverage(in the amoun�and for�h�period that Lender requires}provided by an insurer selec�ed by Lender again becomes available, is obta.ined,and Lender re�uues separately des�gnated payments toward the pr�miums for Mortgage Insurance. If Lender required Mortgage Insuran�e as a co�dition of making the Loan and Borrower was required tQ make separately designated payments toward the prem�ums for Mortgage Insurance, Borrower shall pay the prem�ums required to mainta�n Mortgage Insurance�n effeet, or to pro�ide a nan-refundable lass reserve,unti�Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender praviding for such termination or until termination is required by App�icable Lav�.Nothing in this Section ��affects Borrower's obligation ta pay interest�t the rate provided in the Note. Mortgag�Insurance reimburse�Lender(ar any entit}�that purchases the Note} for certain lasses it may incur if Borrat�rer does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. M�rtgage in.s�r��s evaluate their total risl�on al�such i��uranc�in force from time�o t�me,and may enter into agreements�r��h other parties that share or madify their risk,or reduce iosses. These agreements are on t�rms and conditions th.a�are sa�i�fac�ory to the mor�gage insurer and�the other party�or parties}t�these agreements. These agreements ma�require the mortgage insurer to make payments using any source of funds that the mortgage insurer may ha�e availabl�(vvhich may include funds obta�ned from Mor�gage Insurance premiums}. As a resu��of these agreements, Lender,any pur�haser af the Note,another�nsurer,any reinsurer,any ather ent�t�,or a�.�a#'f��iate of any of the foregoing,may re�eive�directly or indirect�y)�mounts that derive from�or might be characterized as}a�or�ion of Borrativer's payments for Mortga�e Insurance, in exchange ft�r sharing or madify�ng the mortgage insurer's risk, or reducing losses. If such agreement provides that an af�t�ate of Lender takes a share of the in.surer's ri�k in exchange for a share of the �remiums paid to the insurer,the arrangement is often termed"capti�re reinsurance."Further: q�3349�49571 ❑233 253 �917 NEgRASKA�ing�e Family-Fannie MaelFr9eddie Mac UN�FORM�N5TRLIMENT WITH MERS Farm 3428 1141 VMR� VMPfiA(NE}t9342).44 Walters Kluwer Financial5ervices Page 9 of 17