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2� 1 ��7�78 Any arriounts disbursed by Lender under this Section�sha11 become additiona�debt of Borrower secured by this Security Instrument.Th�se amounts shall beaar i�terest at the Note rate from the date of disbursement a�d sha11 be payable,vvith�uch interes�,upan notice frorn Lender to Borrower requesting paym�nt. If th��Securi�Instrument is on a leasehold, Barrower sha11 comply with a11 the pro�is�ons of th�lease. If Borrower acquires fee title to the Property,the Xeaseha�d and the fee title shal�not merge unless Lender agrees to the merger in writing, '14. Mortgage Insuran�e.If Lend�r required Mortgage Insurance a�a condition of making th�Loan, B�rrawer shal�pay the premiums required to maintair�the Mvrtgage Insurance in effect. If, for any reason,the Mortgage Insurance coverage required by Lender Geases to be available from the mortgage insurer that pr�vi�usly provided su�h insurance and Borrower was required to make separately designated payments toward the prem�ums far Mortgage Insurance,Borrower shal�pay the premiums required t��btain coverage substantially equivalent to the Mortgage Insurance prev�ous�y in effect,at a cost substantially equivalent to the cast ta Borrow�r of the Mortgage Insurance pre�iously in effect, from an alternate martgage insurer selected by Lender, If subs�tantially equivaient Mortgage Insurance Goverage is not available,�orrower sha11 conti�u��to pa�to Lender the amount of the separatel�designated pa�ments that were due wh�n the insurance coverage ceased to be in effect. Lender�ill accept,use and retain these paymen�s as a non-refundable loss reser�e in�ieu of Mort�age Insurance. Such loss reserve�ha11 be non-refundable, notwithstanding the fact that the Loan is ultimately paid in full,and Lender shall not be requir�d to pay Borrower any interest or earnings on such loss r�serve. Lender can no longer requiure loss re�er�e payments �f Mortga��Insurance caverage(in the amount and f�r the period that Lender requires}pravided by an insurer seiected by Lender again�ecomes avai�ab�e, is obtained,and Lender requir��s�para.te�y designated payments toward the premiums for Mortgage Insurance. If Lend�r requu'ed Mor�gage Insuraace as a cond�tion of making the Laan and Borro�ver was required to make separately designated payments taward the premiums far Mortgage Insurance, Borrower sha11 pay the premiums required to maintain Mortgage Insurance in effect,or�o provide a non-refu.ndable 1n�s res�rve,until Lender's requirement for Mor�gage Insurance ends in accardance with any written agreement between Borrower and Lender pro�iding for such �ermination or until termination is required by Applicable Law.Nnthing in this Seetion �a affects Borrower's abligation to pay int�res�at the rate pravided in the Note. Mortgage Insurance reimburses Lend�r(ar any entity that purchases the Note}f�r certain 1oss�s it may incur if Borrawer does not repay the Loan as agr�ed. Borrower is not a party to the Martgage�nsurance. Mortgage�nsur�rs eva��at�the�r tota�r�s�on a��such�nsurance in f�rce from time ta time,and ma��nter into agreemen�s with other parties thati share or modify the�r risk,or reduce lasses. These agreements are on �erms and conditions that are satisfactory to the mortgage insurer and the other party(or parti��}to the�e agreements. These agreemen�s may require the mortgage insurer ta mak�payments using any sourc�of funds that th�mortgage insurer may ha�e available��hich may in��ude funds obtained fram Martgage�nsurance premiums}. As a result of these agreements,Lender,any purchaser of the 1�Tote,another insurer, any reinsurer,any other entity,or any affiiia�e of any of the foregoing,may receive�direetly or indirectly)amounts that derive from�or might be charact�ri�ed as}a portion of Borrower's paym�nts for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk,or reducin.g losses. If such agreement pravides that an affiliate of Lender takes a share of the insurer's risk in exchange far a share of the premiums paid to t�e insurer,the arrangement�s aften termed "capt�ve reinsuranee."Further; q43361z17653 �233 674 �917 NEBRASKA�ingle Fam��y-Fannie MaelFreddie Mac L1NIF�RM INSTRLIMENT WITH MERS Farm 34Z8 11D1 �Mp� VMPfiA(NE}(1342}A4 Wa€�e�^s Kluwer Financial Services Page 9 of i 7