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�Q1�0043� continue to pay to I.ender the amount of the sepazately designated payments that were due when the insurance coverage 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, 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 geriod that Lender requires) provided by an insurer selected by Lender again bec;omes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments towazd the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage In�,�,�nsp ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in ttus Section 10 aff�ts Bonower's obligation to pay interest at the rate provided in the Note. Mortgage Insuranc� reimburses Lender (or any enrity that purchases the Note) for certain losses it �y incur if Borrower does not repay the Loan as agreed. Bonower is not a party to the Mortgage Insuranc�. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agre�ments with other parties that shaze or modify their risk, or reduce losses. These agr�merns aze on terms and condirions that are satisfactory to the mortgage insurer and the other party (or parties) to these agr�ments. 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 these agre�ments, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indire�tly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: ia) Any such agreements will not affect the amounts that 8orrower has agrced to pay for Mortgage Insurance, or any other terms of the 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 agr�ments will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to reque.st and obtain cancellatioa of the Mortgage Insurance, to have the Mortgage Insurance terminated automaticatly, and/or tA �9eceive a refund af any Mortgage Insurance premiums that were unearneol at the time of snch cance!lation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellan�us Proceeds aze hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to r�storation or repair of the Properly, if the restoration or repair is �;onomically feasible and Lender's s�urity is not lessened. During such repair and restorarion periad, Lender shall have the right to hold such Mi�ellan�us Proceeds until Lender has had an opportunity to insp�t such Property to ensure the work has been completed to Lender's NEBRASKA-Single Famtly-Fartnie Mae/Freddie Mac UNIFORM INSTRUMENT VMP � Wolters Kluwer Financial Services Form 3028 1l07 VMP61NE) (1705) Page 9 of 17