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20 �20�30� (a) Any such agreements wIll not affe�ct the amounts that Borrowar has agre�ed to pay for Mortgage Insurance, or any other terma of the Loan. Such agreementa will not increase the amount Horrower will owe for Mortgage Insuranca, and they will not entitla Borrower to any rafund. (b) Any such agreements will not affect the rights Horrower has - if any - with respect to the Mortgaga Insurance undar the Homeowners Protection Act of 1998 or any other law. Th�e righta may include tha right to rec�iva certain disclosures, to request and obtain csncellation of the Mortgage Inauranca, to have the Mortgage Insurance terminated automatically, and/or to receive a refiind of aay Mortgaga Insurance pramiums that were un�rned at tha tima of auch c�acellation or termination. 11. Asslgnment of Mlscellerteous Proceeds; Forfelture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfactton, provided Wat such inspection shall be undertaken prompdy. Leader may pay for the repairs and restoration in a single disbursement or in a serles of progress payments as the work is completed. Unless an agreement is made in wrlting or Applicable Law requires interest to be paid on such M�scellaneous Proceeds, Lender shall not be required to pay Bonower any interest or earnings on such Miscellaneous Proceeds. ff the restaraflon or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for ln Section 2. L► the event of a total taking, destruction, or loss in value of We Property, the Miscellaneous Proceeds shall be applied to the sums secured by Wis Security Instrument, whether or not then due, with We excess, if any, paid to Borrower. In the event of a pardal taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the pardal taking, destruction, or loss in value is equal to or greater than the amount of the sums secured by this Securlty Instrument immediately before the partial taking, destruction, or lass in value, unless Bonower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amonnt of the Miscellaneous Proceeds mulflplied by the following fraction: (a) the total amonnt of the sums secured immediately before We partial tak�ng, destruction, or loss in value divided by (b) the fair market value of We Property immediately before the pardal taking, destruction, or loss in value. Any balance shall be paid to Bonower. In tt►e event of a parHal taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums secured immediately befare the partial taking, destrucflon, or loss in value, unless Borrower and Lender athenvise agree in writing, the Miscellaneous Proceeds shall be applied to the swms secured by this Securlty Instrument whether or not the snms are then due. If the Property is abandaned by Borrower, or �f, after notice by Lender to Borrower that the Opposing Party (as defined in the next sentence) offers to make an awazd to settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the noHce is given, Lender is authorized to collect and apply the Miscellaneous Proceeds eiWer to restoraflon or repair of We Property or to the sums secured by this 001122894783 Citl6ank 3.2.59.07 V3 NEBRASKA-Single Fartdly-Farmie Mae/Freddle Mac UNIFORM INSTRUMENT WITH MERS Fortn 3028 1/01 VMP � VMP6A(N� (1105).�0 WWters Kluwer Financial Services Page 10 of 17