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201200337 (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage lnsurance, or any other terms of Yhe Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection AcC of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Inswance, to have the Mortgage Insurance terminated automatically, and/or to receive � a refund of any Mortgage Insurance premiums that were unearned at the tune of such . cancellation or termination. 11. Assignment of MisCellaneous Proceeds; Forfeiture. All b4iscellancous Prcceeds are here6y assigned to and shnll Le paid lo Lender. � lf the Property is damaged, such Miscellaceous Proceeds sliall be applied to restoration or repair of the Property, if the restorafion or repair is econon�ically feasible and Lender's se�c�urity is not lessened. During � sucli repair and restoration period, Lender shall liave the right to hold s�ch Miseellaneuus Yroceeds unlil Lender has had an opportuniry to inspect such Property to ensure the work hns been completed to Lender's sa[isfac[ion, provided tha[ such inspection shal] be undertxken promplly. Lender may pay for ihe repairs and rest�ra6on in a single disburserttonL or in a series of progress payments as the work is compleled. Unless a�i agreement is made in writing or AppGcable Law requires interest to be paid on sucla Misce(laneous Proceeds, Lender shall no[be required ro pay Borrower any interes[ur earr�ings on sucli Miscellaneous Proceeds. If the restora[ion nr repeir is nut ecmiomically feasible or I.ender's secucity would be ]essened, [he Miscellaneous Proceeds shall be apylled to the sums seCUred by this Secoiity Inshvment, wheLher or noL tlien due, with the excess, if any, paid to Borrower. Such Miscellaueous Pruceetls shall be applie�d in fhe order provided for in Section "l. � In the event of a total taking, destruc�ion, or loss in value of Llie Property, the Miscellaneous Proceeds shall � be npplied to the sums secured by th3s Security tnstriunent, wlietlie�r or not then due, with the excess, if a�ry, p�id to Borrower. In the event of e partlal txking, destruction, or loss in value of tl�e Property in which the fair market value uf the Property immedlately befo�c the partial taking, destruchon, or loss in vnlue is eyuat to or greater than the� amount of the sams secured by this Sec¢dLy h�st�vmenL immedialely before the partial taking, destruction, ur lose in value, unless Borrower and Lender otherwise agree in wrlting, the sums secured hy this Securily instrument shall be �educed by lhe amount of (he Miscellnneuus Proceeds multtplied by Nie following fracfion: (a) khe tuWl amuunt of the s�i��s secu�ed immediately before the partlal talting, destructlon, ur lnss in value divided by (b) the fair market value of the Property immediately before il�e parlial taking, deshvctioq or loss in value. Any balance shall6e paid lo}3orrower. . In the event of a partial taking, destnictlon, or loss in value of the Pruperly in whicli tlie fair market value of . the Prnpeity immedixlely before We parliai taking, destruction, oe loss In valuc is less thnn the amnunt uf the � swns secured Immediately before tt�e partial taking, destruction, or loss in value, unless Borrower and � Lender o[herwise agree in writing, the Miscellaneous Proceeds shall be applied to fhe sums secured by (his � Security insh7iment whefhcr or not the sums are then due. If the P�operty is abandm�ed by Bormwer, or if, afte�notice 6y Lender to Bo�rower tha[ the Opposing Party , (as defined in the next sen[ence) offers ro make an award ro sedtle a claun for dam�ges, Bnrruwer fails to respond to Lender withln 30 days after fhe date the no4ice is given, Lender is authorizecl to collect and apply [he Miscellaneous Proceeds either to restoration or repair of the Prnperty ur to tlie sums secured by this 001122820�09 1001122020409� NE9RPSKA-Single Family-Fannie Mae/Fretltlle Mac UNIFOHM INS I RUMkN l W I I H MENS Fonn 3028 V01 UMP(y VMP5A[NF]�11Q5).Ofl Wolters Kluwer Flnanclal Srnlces Vage.1O of t;