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�o�1os�4� Any amounts disbursed by Lender under this Section 9 shall become additional debt of Bonower secured by this Security Insttument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting paymen� If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Bortower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10 Mortgag� Insurance If Lender required Mortgage Lnsurance as a condiiion of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effec� If, for any reason, the Mortgage Insurance coveraga required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrowex shall pay the prerniums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalettt to the cost to Borrower of the Mortgage Insurance previously in effect, from an alterna.te mortgage insurer selected by Lendez If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain thsse pa.yments as a non-refundable loss reserve in lieu of Mortgage Insurance, Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requiras) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurauce. If Lender required Mortgage Insurance as a condilion of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Bortower shall pay the premiums required to ma,intaiti Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance witli any written agreement between Borrower and Lender providing for such termination or until temunation is required by Applicable Law Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity tha.t purchases the Note) for certain losses it may incur if Borrower does not repay fihe Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgaga insurers evaluate their total risk on all such insura.nce in force from time to time, and may enter into agreements with other parties that share or modify tkeir risk, or reduce losses. These agreements are on terms and condihons that are satisfact�ry to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of tbese agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other enfity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be chatacterized as) aportion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage u�uer's risk, or reducing losses. If such agreement provides that an affiliate of Lender ta,kes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arra.ngement is often termed "captive reinsura.nce." Further: (A) Any snch agreements will not affect the amonnts that Borrower has agreed to �ay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amonnt Borrower will owe for Mortgage Insnrance, and they will not entifle Borrower to any refnnd. (B) Any snch agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insnrance nnder the Homeowners Protection Act of 1998 or any other law These rights may incinde the right to receive certain disclosures, to reqnest and obtain cancellation of the Mortgage Insnrance, to have the Mortgage Insnrance terminated antomatically, and/or to receive a refund of �ny Mortgage Insnrance premiums that were unearned at the time of such cancellation or termination. HCFG.00359 NEBRASKASingle Famity-Fannie MaefFreddie Mac UNIFORM INSFRUMENT VMP� Wolters Kluwar Financial Servicea 201108164.0.0.0.4002J20110224Y Form 30281/01 F'age 7 ot 13 B 5 11