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��14�1455 <br /> risk, or reducing lasses. �f such agre�ment pro�ides that an af�liate of Lender takes a share of <br /> the insur�r'�risk in exchan�e for a share of th�premiums paid to the insurer, the arrangement i� <br /> often�er�ned "captive reinsurance." Further: <br /> �A} Any �u�h agreemenis wxll noi aff'ect f:he amount� thai B�rr�wer has a�;ree�� ta pay Cor <br /> N�ortgage Insuranc�e, ar any other ter�r�s of the Loan. Such agreen�ents r�vil� nv� <br /> in[�rcasc the amvun� B�rrc�wer will owc for Mortg��t� Insurance, and they will not <br /> cntitic Barrower to any refund. <br /> �B} Any such a��•eements will nc�t affe�t the ri�hts Borrower has � i�'any - ��vith respect t� <br /> the Mortgag� Insurance under the Homeowners Pr�tection ACt �f 1g9S or any ather <br /> law. These rights may inc�ude the r��ht to receive certa�n dis�l�sures, tn re�ue.5t and <br /> . o�tain cancellation of the N�ort��ge Insuran�e, ta have the N�ort�a�e Insurance <br /> 1.erminaied autan�ati�ally, ant�l�r t� recei�e a rc�'und ❑[' any Mvriga�;e �nsurance <br /> p�•emiums that wert�unearned at the tinle of su�h can�ell�tion or#:ermination. <br /> �0��—�4�s�a3 1a��497��D1�27�8�6 5857 <br /> : <br /> � Initials: <br /> �-��R(Qa04} Page 2 of 3 Form 315� 4lQD <br /> � <br />