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��14�1354 continue t�pay to Lend�r the amaunt of the s�parat�ly designated payments that were due when th� insuranCe co�erage ceased to be in effect. Lender w�ll accept, use and retain these paym�nts as a nnn-refundable loss reser�e in lieu of Mortgage Insurance. Such loss reser�e shali be nan-refundable, notwithstand�ng th�fact that the Loan is ultima�ely paid in full, and Lender shall n�t be required t�pay Barrower any interest or earning�on such�oss reserve. Lend�r ca.n n� langer require loss reserve payments �f Mortgage Insurar�c�ca�erag��in the amaunt and for the periad that Lend�r requires}pr��ided by an insur�r sele.�ted by Lender again be�ames a�ailab�e, is obtained, and Lender requires separate��d�signated payments toward the premiums for Mortgage�nsurance. If Lender required Mor�gage Insurance as a condition of making the Loan and Borrawer was requ�red to make separa�e�y designat�d paym�nts��ward th� premiums far Mortgage�nsurance, Barrower sha�1 pay the premiums required�o maintain M�rtgage Insuran�e in effec�, or to pro�ide a non-refundable��ss res�r�e, until L.ender's requir�ment for Mortgage InsuranCe ends in ac�ordance with any vvritten agr�ment h�tween Borrower and Lender pro�iding far such termination ar until terminatian is r�qu�red by Applicable Law. Nathing in this Sec�ion 1 D affects B�rrawer's a�ligati�n t�pay interest at the rate proWided in the N�te. M�r�gage Insurance reimburs�s Lend�r�or any entity that purchas�s the Note} far certain lasses it ma� incur if Borrower da�s nnt repay the Loan as agreed. Borrower is n�t a party�o the Mnrtgag�Insurance. Mnr�gage insurers e�a�uate their tota� risk on a�l such insuranc�in f�rc�from t�me�a t�me, and rnay enter inta agre,�ments with other parties that share or madify their risk, or reduce lasses. These agre�m�nts are an �erms and canditions that are satisfact�ry to the mortgag�insurer and th�other party��r parties}to these agreements. Thes�agre�ments may require th�mor�gage insurer to make payments using any source af funds tha�the mortgage insurer may ha�e available�which may inciude funds obtatned fram M�r�gage Insurance prem�ums�. As a result of these agre�rnents, L.�nder, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affi�iate of any of the foregaing, may reGei�e�directiy flr indirectly}amounts that derive from (or might be characterized as) a part�on of Borrower's payments far Mar�gage Insurance, in exchange far sharing ar modifying the mortgage insurer's r�sk, or reducing lass�s. If such agreement prn�ides that an aff�liate of Lender takes a share af the insurer's risk in e�change far a share of th�pr�miums pa�d to the insurer, the arrangement is often termed "captiv�reinsurance." Further: ta� Any such agreemen#s wiil not affect the amounts that Bvrrvw�r has agreed to pay fur Mortgage Insurance, ar any vther terms�f the Loan. Such agreements will nat increase the amvunt Borrower will owe for Martgage Insurance, and they wi��nat entitle B�rrower to any r�fund. t k�� Any such agre�ments will not affect the rights Borrow�r has-if any-with respe�t t�the M�rtgage Insurance under the Homeowners Protect�on Act af 1995 or any other�aw. These rights may�nclude the right tv rece�ve Certain disclasures, ta r�quest and obtain cancellatian of the Mortgage Insuranc�, to ha�e the MQrtgage Insuran�e terminated automatically, andlor to re�eive a refund of any Mortgage Insurance premiums that were unearned at th�time of such cancellation or terminatian. 'I'I. Assignment af Miscellaneous Proceeds: Forfeiture, Al� Miscellaneous Prace�ds are hereby assign�d to and shall b�paid to Lender. If the Pr�per�y is damaged, such Miscellaneous Proceeds shall be applied to r�stora��on ar repair�f the Property, if the restoratian or repair is e.�onami�aily feasible and Lender's security is not lessened. During such repair and r�storation period, Lender shall ha�e the right to hold such Mis�ellanevus Proc�eds unt�� Lender has had an opportunity t�inspect such Praperty to ensure the w�rk has been compl�ted to Len�ier's NEBRASKA-Smgle Fam�ly-Fannie MaelFr�ddie Mac UNIF�RM INSTRUMENT Fvrm 3D28 11�� VMP 0 VMPfitNEy t13d2y.�0 Wolters Kl�wer F�nanc�al Ser��ces Page 9 af 17