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�01�Q091� continue to pay to Lender the amount of th� separately designated paymcnts that were due whett the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a nan-refunciable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable, notwithstanding the fact that tk�e Laan is ultimately p�id in full, and I.euder shall ttot be required to pay Bairower any interest ar eaznings on such loss reserve. Lender can no longer require loss reserve payments if Martgage Insurance coverage (in the amount and for tl�e period tb:at Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requir� separately designated payments toward the premiums for Martgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrowet was re,quired to make separately designated paymeuts towatd the premiums for Mortgage Insurance, Bonower shall pay the premiums zequired to maint�ain Mortgage Insurance in effect, or to pzovide a non-refundable loss reserve, vndl Lender's xequirement for Mortgage Insurance ends in accordance with any wri�ten agreement between Borrower and Lencter providing for such ternainatiott or until terminafion is required by Applicable Law. Nothing 'va this Section 10 affects . Bonower's obligation to pay interest at the xa.te provided in the Note. Moztgage Insuramce reimburses Lender (or any entity that purchases #he Note} for cerfain loss�s it may incur if Borrower does not repay the Loan as agteed_ $orrower is not a party to the Mortgage Insuranca. Mortgage insurers evaluate their total risk on all such imsurance in £orce from time to time, and may enter into agreements with other parties tha# share or m�odify their zisk, ar reduce lasses. These agreements are on terms and conditions that are satisfaatory 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 martgage insurer may have available (which may include funds obtained from Mortgage Insucance premiwrns). As a resutt of tb.ese agreements, Lender; any purahaser of the Note, another insurer, any reinsurer, aay other entity, or any a£filiate of adn.y o£ the foregaing, may receive (direetty ar indire�#ly) amounts that derive from (or might be characterired as) a portian of Boxcawer's �ayments for Mortgage Insuzance, in e�.change for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreemenfi provides that an affiIiate of Lender takes a share of the insurer's risk in exchange for a share of the gremiums paid to ttc� insurer, the arrangement is often termed "captive reinsuzance." Further. {a} Any sut1� agreementa �1 not aff'ect t�e amaunts that Borro�ver has agreed Ea pay for Mortgage Insurance, or anq other tcrms of fhe Loan. Snch agreements will noE increase the �mount Borrawer will owe for Mortgage Insarauce, and they Svill not entitle Sarrower to any refbnd. (b) Any such agreements will not affect the rights Borrocver has - if any - with respect bo the Mortgage Insurance under the Homeowners Protection A�t of 1998 or a� other law. These rights may include the right to recei�e certain diaclosares, to request and obtain eancellation of the Mortgage Insurance, to have the Mortgage Insurance termivated aubomaticaily, and/or to receive a refund of any Mortgage Insurance premiams Yltat were nnearned at the tims of such cancellation or Eermination. 11. Assignmentof MiseellaneousProceeds;Forfeiture.Al.l Miscellaneous Pzoceeds are hereby assigued to and shall be paid to Lender. If the �roperty is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if th� restoration or repair is economicalty feasible and Lettder's security is not lessened. During such repair and restoration period, Lender shal� have the right to hold such Miscellaneous Proceeds until Lender hais had an npporlunity to inspect such Property to ensure the work has been completed to Lender's NEBRASKP Singte Famity-Fannie MaelFredGa Mec UNIfORM INSTRUMENT Form 3028 7/09 VMP @ VMFP6(NE) (11Q5).�0 Woiters Kiuwer Financiei Setv"rcea Page 9 oF 17