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202110920 <br />Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower <br />secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of <br />disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting <br />payment. <br />If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the <br />lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge <br />unless Lender agrees to the merger in writing. <br />10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the <br />Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, <br />for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from <br />the mortgage insurer that previously provided such insurance and Borrower was required to make <br />separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the <br />premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in <br />effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage insurance previously <br />in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage <br />Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the <br />separately designated payments that were due when the insurance coverage ceased to be in effect. <br />Lender will accept, use and retain these payments as a non-refundable loss reserve in lieu of Mortgage <br />Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that the Loan is <br />ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on <br />such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage <br />(in the amount and for the period that Lender requires) provided by an insurer selected by Lender <br />again becomes available, is obtained, and Lender requires separately designated payments toward the <br />premiums for Mortgage Insurance. If Lender required Mortgage insurance as a condition of making <br />the Loan and Borrower was required to make separately designated payments toward the premiums <br />for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage insurance in <br />effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance <br />ends in accordance with any written agreement between Borrower and Lender providing for such <br />termination or until termination is required by Applicable Law. Nothing in this Section 10 affects <br />Borrower's obligation to pay interest at the rate provided in the Note. <br />Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it <br />may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage <br />Insurance. <br />Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and <br />may enter into agreements with other parties that share or modify their risk, or reduce losses. These <br />agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other <br />party (or parties) to these agreements. These agreements may require the mortgage insurer to make <br />payments using any source of funds that the mortgage insurer may have available (which may include <br />funds obtained from Mortgage insurance premiums). <br />As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any <br />other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that <br />HCFG-00359 <br />NEBRASKA -Single Family -Fannie Mae/Freddie Mac UNIFORM INSTRUMENT <br />VMPO <br />Wolters Kluwer Financial Services 2021122017.1.0.4574-J20180529Y <br />2567801921212 <br />Form 3028 1 01 <br />12/17 <br />Page 9 of 17 <br />