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2� 17� 1244 If this Security Instrument is on a leas�hold, B�rrower shall comp�y vvith all the provis�ons of the lease. If Barro�ver acquires fee title to the Pr�perty,the l�asehald and the fee title shall n�t m�rge unless Lender agrees to the merger in writing. 'I D. Mortgage Insurance. If Lender r�yuired Mortgage Insurance as a candition of making the Loan, Borrovver sha�l pay the premiums required to rnaintain the Martgage Insurance in effect. If, for any reason,the Mortgage Insurance ca�erage reyutred by Lender ceases t�be availab�e from the mor�gage insurer that prev�ously pro�ided such insurance and Borrower was required to make separate�y designated payments tovvard the premiums for Mar�gage Insurance, Borrower shall pay the premiums required to o�tain coverage substant�ally eQuivalent to the Mortgag�Insurance pre�iously in ef�ect,at a cost substantially equi�al�nt to the cost t� B�rrower af the M�rtgage Insuran�e pre�iously in effect, fram an alternate mortgage insurer selected by Lender. If substantially equi�alen�Mortgage Insurance co�erage is not a�ailab�e, Borrawer shal�continue to pay to Lender the amaunt of the separately designated payments that�vere due when the insurance ca�erage ceased to be in effect. Lend�r wi11 accept, use and retain these payments as a non-r�fundak�ie loss reser�e in lieu of Mortgage Insurance. Such l�ss reserve shall be non-refundab�e, natwithstanding the fact that the Laan is ultimately paid in fui1, and Lender shall not be required to pay Borrower any interest or earnings an such lnss reserve. Lender can no longer require loss reser�e payments if Mortgage Insurance co�erage �tn the amount and for the pertnd tha�Lender requ�res}pro�ided by an insurer selected by Lender again becomes available, �s abtained, and Lender re�uires separately designated payments toward the premiums for Martgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums f�r Mortgage Insuran�e, Borrower shall pay the premiums required to mainta.in M�rtgage Insurance in efFec�,or to pra�ide a non-refundable Ioss resetve, until Lender's requirement fflr Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender pro�iding far such terminatian flr until terminat�on is required by Applicable Law.Nothing in this Se�tion 1�affects B�rravver's�hligation to pay interest at the rate pra�ided in the Note. Mortgage Insuranc�reimburses Lender(or any entity that pur�hases the N�te} for certain losses it may incur if Borrower daes not repay the Loan as agreed. B�rrower is not a party to the Mortgag� Insurance. Martgage insurers e�aluate their tatal risk on ali such insurance in farce from time to time, and may enter into agreements with ather parties that share or m�dify their risk,or redu�e lasses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party�ar parties}ta these agreements. These agre�ments may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have a�ai�able�vvhich may include funds abtained from Mortgage Insurance premiums}. As a resu�t of these agreements, Lender, any purchaser af the Note, another insurer, any reinsurer, any �ther entity, or any a#�`iliate vf any of the foreg�ing, may recei�e(directly or indirectly}amounts that deri�e from �or might be characterized as} a p�rtion�f B�rrower's payments for Mort�age�nsurance, in exchange for sharing or modifying the mortgage insurer's risk, �r reducing �osses. �f suCh agreement pro�ides that an affiliate of Lender takes a shar� of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive retnsurance." Further: HCF�-oo�5s 2�94�83172�1 NEBRASKA-Single Family-Fannie MaefFreddie Mac IINIFQRM INSTRUMENT Form 3�28�1�1 VM P� �4115 Wolters Kluwer Financial Services 2�17Q21615.3.2.35a9-J2�1 fi1�2�Y Page 9 of 17 � �