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�� 14�1�43 �� c�n�inue to pay�� Lender the amaun�of the separate�y designated paymen�s that w�re due when�he insuranc�c�verage ceased to be in�ffect. L�nder wi�i accep�, use and re�a�n these paym�nts as a non-r�fundab�e loss reser��in Iieu of Mortgage �nsurance. Such�oss reser`re �hall be non-refunda�le, notwithstand�ng the fact�hat the L,�an�s ul�imateiy paid in full, and Lender sha�l not be requir�d to pay Borrower any int�res�or�arnings on such�ass reser�re. Lender can no longer require loss reser�e paymen�s if Mor�gage�nsurance co�erage�in the amaunt and for the period�hat Lender requires} pro�id�d by an insurer s��ected by L.end�r a�ain becomes a�vai�able, is ❑b�ained, and Lender requires separately designa��d pay�nen�s toward the premiums for Mor�gage Insurance. �f Lender required Mor�gage�nsurance as a condi��on❑f making th�Loa�n and Borrower was r�quir��i�o make separa�ely designa�ed payments �oward the premiums for Mor�gage Insurance, Borrower shali pay �he premiums required to maintain N�or�gage Insuran�e in effecC, or�o pra�ide a n�n-r�fundab�e�oss reserve, unt�l L.�nder's requirement for Mor�gage Insuran�e en�s in acc�rdance with any written agreemen�bet�veen Borr�wer and Lender pra�iding for su�h �erminatian or until termination is required hy A��licable Lav�v. Nothing in this Sectian 10 affects Barrower's obligation�a pay in�eres�a�the rate pro��ded in th�No�e. Mor�gag�Insuran�e reimburses Lender�or any en�ity�hat purchases the No�e} for cer�ain losses i�may �ncur �f Borr�wer does not repay the Loan as agre�d. Barrower is not a par�y ta�he M�rtgage Insurance. Mor�gage insurers e�alua�e their t��ai risk on all such �nsurance in force from time to�ime, and may en�er into agree�rnen�s with o�her par�ies�ha�share or modify th��r risk, or reduce�osses. These agreem�n�s ar�on terms and condirians tha�are satisfac�or��rhe xnor�gage�nsurer and the other party �or parti�s}t�these agreements. Th�se agreem�nts may requir�the mar�gage insurer�o mak�payments using any saurce�f funds tha�t�ie mar�gag�insurer may ha�e a�ailabl��which may include funds❑bta�ned from Mar�gage Insurance premiums�. As a resu��of rhese agreements, Lender, any purchaser of the No�e, another insurer, any reinsurer, ar�y oth�r entity, �r an� aff�liat�of any �f t�e foreg�ing, n�ay recei�e�direc�Iy�r indirectly} amounts�ha�derive from ��r might be charac�erized as� a portian�f Borrower's paymen�s for Mortgage �nsuran�e, in exchange for sharing flr modifying the nzor�gage�nsurer's risk, or redu�ing losses. �f such agreement pro�ides tha� an affil�ate of Lender takes a�hare of the insurer's risk�n�xchange for a share of the premiums paid ta the insurer, the arrangement is of�en�ern�ed "captive reinsurance." Fur�h�r: �a� Any su�h agrQemen�s wi�� not aFfec�the amounts that BorrQwer has agreed to pay for Niortgage InSurance, or any other term�af the Loan. Such agreements wi�� not increas�the amount Barrflwer wi�l owe for IVlortgage Insurance, and they�vill not ent�t��Borrower to any r�fund. �h� Any�uch agreemen�will not affec�the r�gh�s Borrower has-if any-with respec�tv the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other�aw. These rights �nay �n��ude the r�ght�o recei�e�ertai��disc�osures, to request and obtain cancel�ation af the Mortgage In�urance, to have the IV.[artgage InSuran�e terminated automatica�ly, andlor to receive a refund of any Martgage Insuran��prem�ums that were unearned at the time of such �anc��la�ion or termination. '1�. Ass��nment of M�scellan�ous Praceeds; Forfe�ture. All M�sc�ilaneous Proce�ds are hereby assigned�a and sha�l be pazd to Lender. �f the Proper�y is damaged, such M iscellaneous Pr�c��ds shall be applied to restora�ion or repair of�h� Proper�y, �f�h�res�aration or r�pair is economicaiiy feasib�e and Lender's security is na�Iessened. During such repa�r and restarati�n periad, Lender shall ha�e the right to hold such Misc�ilaneous Praceeds un�il Lender has had an oppar�unity�� inspec�such Praper�y to ensure the wark has been completed�o Lender's NEBRASKA-Single�amily-Fannie Mael�reddie Mac UNiFQftM INSTRUM�NT �orm 3D2$�1�� VMP(�] VMP6{N�f�1��5} Wolters Kluwer�inancial Services Page 9 0#�7 y. � �. �� . � � . � ` . � .