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2� 1 ��52�9 Any amoun�s disbu�rsed by Lender under this Section 9 sha11 become additianal de�t of B�rra�rer secured b� this Secur�iry�nstrument.These amaun�s sha11 bear rnterest at the Note rate from the date of disbursem�nt and shall be payable,�ith such interest,upon notice from Lender to Barrower requesting payment. �f this�ecurity Instrumen�is on a leaseho�d,Borro�ver sha11 camply with all tbe provisions af the l�ase. If Borrower acquires fee title to the Praperty,the leasehold and the fee title shal�no�merge unless Lender agrees to the merger in writing. 'I�. Mortga�e�nsuranGe.If Lender required Mortgage Insurance as a condition pf making the LQan, �orr�wer shall�ay�he premiums requ�.red to main�ain the Mortgage�nsurance in eff�ct. If, for any reason,the Mortgage Insurance cnverage required by Lender ceases�o be availab�e from the mortgage insurer that previously provid�d such insurance and Borro�ver was required to make separately designated paymen�s toward the premiums for Mortgage Insurance,Borrower shall pa}�the premiums required to obtain caverage substantially equivalent to the Mortgage�nsurance previously in effect,at a cos�substantial�y equi�ra�en�to the cost to Borrower of the Martgage Insurance previausly ir�effect, from an alternate mortgage insurer selected by Lender. If substantially equival�nt Martgage Insuranc�coverage�s not avai�ab�e,Borrower sha11 continu��o pay to Lender th�amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender wi11 ac��p�,use and retain these payments as a non-refundable�flss reser�e in lieu of�ortgage Insurance. Such�oss reser�e shall be non-refundable, no�withstanding the fac#that the Loan�s ultimately paid in fu.l�,and Lender�ha�l not be r�quir�d to pay Borrawer any interest ar eamings fln such l�ss reser�e. Lender can no�onger requ�re lass reser�e payments �f Mortgage Insurance coverage(in the amount and for the period that Lender requires}provided by an insurer se�e��ed by Lender aga�n becomes a�a��ab��, ��obta�ned,an�Lender requires separately de�ignated payments to�vard the premiums for Mortgage insurance. If Lender required Mortgage�nsurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,Borrower sha11 pay the premiums required to maintain Mortgage Insurance in effect,or to provide a nonWrefundable loss reser�e,until Lender's requirement for Mortgage Insurance ends in accordance w�th any�vritten agreement b�tween Borrov�er and Lender praviding for such termina�ion or unti�termina��on is required by App�icable i.av�. h�o�hrng in th�s Section �Q aff�cts �orrower's obliga�ion to pay int�rest a��he rate provided in�he Note, Mortgage Insurance reimburses Le�der(or any entit�that pu�rchases the Not�)for certain losses it may incur if Borrav�er does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. M�rtgage insurers evaluate their tota.l risk an a11 such insurance in force from time ta time,and may enter into agreements vvith ather parties that share or modify their risl�,or reduce �asses. These agre�ments are on terms and conditions that are satisfactory to the mortgag�insurer and the�th�r party�or parties)�a these agreements. These agreements may require the mortgage insurer to make paymen��using any sour�e of funds that the martgage�nsurer may ha�e a�ailable�vvhich may include funds obta.ined from Mortgage Insurance premiums}. As a result of these agreemen�s,Lender,an�purchaser of the Note,another insurer,any reinsurer,any other enti�,or any affiliate of any of the for�going,may receiv�(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 mortgage insurer's ris1�,or reducing losses. If such agreement provides�hat an affiliat�of Lender takes a share of the i�surer's risk in exchange for a share af the premiums paid to the insurer,the arrangement is often termed"captive reinsurance."Further: q033587�94Q4 4233 244 4917 NEBRASKA�ingle Family-Fannie MaelFr�eddie Mac LJNIF�RM INSTR�MENT WiTH�1JIERS Form 3�28 1141 VMP� VMPBA�NE}�13q2}.�� Wo�te�s Kluwer Financial Services Page 9 of 17