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� 2� 17��599 Any amounts disbursed by Lender under this Section 9 shal�become additional debt of Borrower secured by this 5ecurity Instrument.These amou�ts shall bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender ta Borrower requesting payment. Yf this Security Instrument is on a leasehold,Borrower shal�comply with a�l the provisions of the iease.If Borrower acquires fee tit�e to the Property,�he leasehold and the fee title sha11 not merge unless Leader agrees to the merger in v�riting. 14. Mortgage Insurance.If Leader required Mortgage Insurance as a cflnditian of making th�Loan, Borrower sba�1 pay the premiums re�uired to main�ain the Mortgage Insurance in effect.If,far any reason,the Mortgage Insurance co�erage required by Lender ceases to be a�ailable from the mortgage insurer that previously provided such�nsurance and Borrower was requued to make separately d�signated payments toward the premiums for Mortga�e Insurance,Borrower sha�l pay the premiums required to obtain coverage substantiaily equi�alent to the Mortgage Insurance previousiy in effect,at a cost substantially�qui�alent to the cost to Borrower of the Mortgage Insura.nce previousty ia effect,from an alternate mortgage insurer sel�cted by Lender. if 5ubstantiall�equi�alent Mortgage Insurance co�erage is not available,Borrower shall con�inue to pay to Lender the amount of the separately des�gnated payments that were due when the insu.rance co�erage ceased to be in effect.Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithsta.nding the fact that the Loan is ul�imately paid in fu11,aad Lend�r shail not be required to pay Borrower any interest or earnings op such loss reserwe.Lender can no lon$er require loss reserve payments if Martgage Insurance co�erage(in the amount aad far the period that Lender requires}pro�ided by an insurer selected by Lender again be�omes a�ailable,is obtained,aad Lender requires separately designated payments toward the prerniurns for Mortgage Insurance.If Lender required Mortgage Znsurance as a conditioa of making the Loan and Borrower v�as required to make separately des�gnated payments toward tbe premiums for Mortgage Insurance,Borrower s�all pay the premiums required to maintain Mortgage Iasurance in effect,or to provide a noa�refun�able loss reserve,until Lender's requirement for Mortgage Insurance ends in accordance�vith aay written agreemeat between Borrower aad Lender pro�iding for such termination or until termination is required by Applicable Law.Nothing in this 5ection 1�affects Borrower's ob�igation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender(or any entity that purchases the Note}far certain losses it may incur if Borrower does aot repay the Loan as agreed. Borrower is not a party�o the Mortgage Insurance. Mortgage insurers e�aluate their tota�risk oa all such insurance in force from time to time,and may enter into agreements with ather parties that share or modify their risk,or reduce lasses.These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party�or parties}to these agreements.These agreernents may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have ava�lable(which may includ�funds obta.ined from Mortgage Insurance premiums}. As a resu�t of these agreements,Lender,any purchaser of the Note,another insurer,any reinsurer,any other entity,or any affiliate of any of the foregoing*may recei�e(directly or indirectly)amounts that deriWe from(or might be characterized as}a portian of Borrower's payments for Mortgage Insurance,in exchange for sharing or madifyiag the mortgage insurer's risk,or reduciag losses.If such agxeement pro�ides that an aff liate oF Lender ta.kes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer,the arraagemeat is often termed"captiWe reinsurance."Further: q36991 2 4 91 NE8RA51tA-Sin�le Family-Fannie MaelFredd'+e Mac IINIFURM INSTRUMENT INITH MERS Form 30281/01 VMP� VMPfiA�NE}�1342}.04 Wolters Kluwer Financial 5ervices Pa9e 9 of 1?