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201200618 payroents thaC were due when che insurance coverage ceased Co be in cffect. Lender will accept,use anci retain the5e paymcnts as a non-rehmdable loss reserve in lieu of Mortgage Insucancc. Such loss reservc sha11 be non-rehuidablc,norivithstandivg the fxc[thaC the Loan is ultimately paid in full,and Lendcr shall not be requlred to pay Borrower n�ry interest or carnings on such Ioss reseive. Lender can no longer requirc bss reservu payments i1'Moitgagc Insurance coverage (in tlie am�iunt and for the period that Lender reyuires)provi�iecl by an insurer se]eeCCd by Lender agatn;becomes available,is obtainecL and Lender requires separatefy designated payments[oward the�remiums for Mortgage Insurance.IfLendcr required MoRgage Insurasrcc as a condifion of making the Loan and Bortower was required to make separatcly designatcd payments toward thc premiums for Mortgage fiisurance,Borrower shall pay the premiums reyuired ro maintain Mortgage Insurance in effecl,or to provide a non-ref'undablc loss rescrve, until Lender's requ'uement for Mortgage Iasurance cnds in accordauce with a�7y written agreement betwcen Borrower and Lender providing for such tcrmiixadon or mitil tem�ination is required by Applicable Law. Nothing in Chis Section 10 affects Borrower's obligation to pay intcresr at thc rate provided in the [�lote. Mortgage Insurance reimburses Lender(o�airy entity t1k1t piirchases thc Note)for certain]osees it may incur if Borrower does not repay the Loan ae agreed.Borrower is nok a party to rlie Mortgage Insuruice. Mortgage insurcrs evalnatc their total risk on all such iusurance u�forec from[ime to time,and may enter inCO agreements wi[h other parties Hi�t share or modify Uieir risk,or reduce tosses.These agrecinents arc on terms and conditions that are sarisfactory to the mortgage insurer uid the other parry (or partics)to these agrecments. Thesc agreements may require the mortgage insurer to mak�payments using any source ot�funds that the mortgage insurer may have available(which may include fimds obtained from Mortgage Tnsurance premiums). As a result of these agreements,Lendar,any puruhaser of the Note, anotlier insiirer, any rcinsurer, any o[her ent�ity, or any affiliate of auy of[he foregoing,may reccive(directly or indirect�ly)amouuts tha[ derive from(or might be characrscized ae)a portion of i3on�ower's payments for Mortgage Insurance,ni excliauge for sharing or modffying the mortgage instver's risK, or roducing losses. If such agxeement provides that an a8iliate of Lender takcs a share of the insurer's risk in cxchangc for n sharc of the premiums paid to the insurer,the arrangemcnt is often temied "captive reinsurance."Further: (A) Any sach agreements will not affect the amounts that Borrower has agreed to pay for Mortgage insarance, or any ofher terms of the Loan. Such agreements wi►I not increase the amount Borrower will owe for btartgage Insurauce, and they n�11 not entitle Borrower to any refuod. (B) Any sucL agreements witl not affect the righCs Borrower has - if any - with respect to the Mortgage [nsurance under the Homcowners Protectiun Act of 1998 or any other Law. These riQhts may include the right to receive certain disclosures, to reyuest and obtain cancellaHon of the Mor[gage Insurance, to have the Mortgage Insurance terminated automarically, and/or to receive a rcfund of any Mortgage insurance premiums that were unearned at the 6me of such cancella6on or termination. 11.Assigoment of Miscellaneous Proceeds; Forfeiture.All Miscellaneous Procceds are hcreby aseigned to and shall be paid to Lendcr. NF.BRASKA-Single Famity-Fannie MaelFra�die Mec UNIFORM INSTPUMENT Hi W35938 Fortn 3028 1/Ot VMPI� /�/1 �9/10 WollersKluwerFnanr,ial5eniws 2012011BA_O.ft,0.4002J2011020.4V Initlals:� Pa9e9of1] lil(IIII Illlll IIII Ilillllllllllllllll�C�ll�ll��ll��lillllilllillllilil IIIII IIIiI Ilil Ilii