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201208675 td. Mortgage lnsurance. If Lender required IvLortgage Tnsurance as a condition of making the Loan,Borrower cha71 pay the premiums required to maintain the Mortgage Insurance ui effect. If,for any reason, the Mortgage Insiu�ance coverage required b}� Lender ceases to be available from the mortgage instaer that previously provided such insurance snd Bozrower was required to make separately designated payments toward the premiums for Ivlortgage lns =ce, Borrower shall pay the premiums required to obtain coverage svbstantialiy equivalent to ffie Mortgage Insurance previously in effect, at a cost substantially eqeuvalent to ffie cost to ' Borrower of the Mortgage Insurance previovsly in effect,from aa atternate mortgage i.nsurer selected by Lender. [f substantially equivalent Mortgage Insiaance coverage is not availabie, Borrowar shall continue to pay to Lender t3ie amozmt of the separately desigoated payments tl�a.t were due when the insnrance coverage ceased to be in effect. Lender wilI accept, use and retain these paymenfs as a non-refundable loss reserve in lieu of Mortgage Insurance. $uch loss reserve shall be non-refuadable, notwiihstanding the fact that the Loan is uIUnlately paid in full, and Lender shall not be required to pay Borrptver any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments ifMortgage Insurance coverage (inthe amount and for the period that Lender requires) protiided b}r an insurer selected by Lender again becomes availabFe, is obtained, and Lender requizes separately designated payments tox�ard the preavums for Fviortgage Iusurance. If Lender required Mortgage Insnrance as x condition of maldng the Loan and Borrower w�as required to make separateiy designated payments towazd the premiurns for NSortgage Insurance, Boaower shaIi pay the premiums required to maintain Mortgage Insurance in effect, or to provide a non-refundable loss reserve, until Lendez's requirement for Iviortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for sach termination or untii teraiination is reqaired by Appticable Law.Nothing in this Section 10 affects Borrower's obtigation to pay interest at the rate pzovided in the Note. Mortgage Insurance reimbeuses Lendez{or suxy entity that purchases the Note) for certain losses it may incur if Bozzower does not zepay the Loan�s agre�d Bozrower is uot a party to the Mortgage Insurance. Mortgage insurers evaluate their tofal risk on atI such insurance in force &om time to time,and may enter into agraemenis wi#h. other parties that share or modify their risk,or reduce losses. These agreements aze on terius and conditions that aze satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may reqture the mortgage 4nc„rer ta rr�ke payments using any sowce of funds that the mortgage insurer mxy Ytave available(wYtich may include funds obtained from Mortgage Insuraace premiums�. A.s a result of these agreemenis, Lender, a�� pischaser of the Note, anoiFLer insiser, a�r reins�¢er, aay other entity, or any affiliate of any of the foregoing, may receive (directly or indirectiy} amounts that derive from(or might be characterized as)a portion of Borrawer's paymer�ts for Mortgage Tnscuance, in exchange for sharing or modifying the mortgage insurer's risk,or reducing Iosses. If such agreement pzrovides that an affiliate ofLender takes a shaze af the insiu'er's risk in exchange for a share of the premiums paid to the insurer,the arrangement is often termed"captive reinsurance." Further: (a) Any such agreements will not affeet the amounts that Borrawer has agreed to pay for Mortgage Insurance, or any other ierms af the Loan, Such agreements will not mcrease Ehe amouut Borro�ver fviA owe for Mortgage Iasurance, and fbey wiU not entiHe Borrower to any refund. {b) Any such agreements w�Tl not affect the rights Borrower has - if any-with respeet fo the Martgage Insurance under the Hameowners Protectioa Act of 1998 or any oYher law.These righYs may iaclude the right to receive certain disclosures, bo request and obtain cancellafion of the lYtortgage Insurance, to have the Martgage Insursnce terminated aatomaticaUy, aud/or Eo receive a refund of any Mortgage Insurance premiums that were uneaened at the time of such cancellation or termination. 11. Assignment of Miscellarteous proceeds; Forfeiture. Alllvfiscellaneous Proceeds are hereby assigued to and sball be paid to Lender. NEBRASKA.Ingie Famiy-Fannie MaelFreddte Mac UNIPoRM MSiRUMENi Form 3Qt8 1f61 VMP� VMP6Q`IE7 ('i70S�.00 WOIlers Kiuwer Finandal Serviws PaBe 8 of'IS ��II I��'��'�I�III��u'��II�I'�I'�I� OOOONE9842026