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��14��975 maintain Mor�gage Insurance in effect, or to pra�ide a nap-r�fundable �oss reserve, untii Lender's requirement for Mo�-tgage Insurance ends ir�accordance with any written agreement bet�ueen Borrower and Lender prov�ding far such termina�ion ar until terminatior� is required by Applicab�e Law. No�hing in �his Sectifln 9 affects Borrawer's ob��gation�o�a�interest at tr�e rate pro�ided in the Debt Instru�nent. Mortgage Insurance reimburses Lender �or any entifi� that purchases the Debt Instrument} fflr certain l�sses it may incur if B�rrovv�r d��s no�re��ay the Loan a�, agr�ed. Barr�wer is nat a party ta the Mort a e Insurance. � g MQrtgage insurers evaluate their �otal risk on all suc�h insurance �n fnrce from time ta t�me, and ��nay enter in�a agreements with ��h�r parties that share �r modi fy their risl�, �r redu�� losses. These agreements are an terms and conditions that are satisfactory to the mc�rtg�ge insurer and�he other party �or parties} to these agreements. These a�reemen�s may r�;quire the rnort:�age insurer t� mal�e payments using any source of funds tha� the m�rtgage insurer may hati�e a�ailab�e �w��ich may include funds �btained frnrn Mort a � Tnsurance premiums}. � � As a result of these agreements, Lender, any purcha��er of the Debt �ns�rumen�, another insurer, any reinsurer, any oth�r entity, or any affiliate of any of the foregaing, may rec�ive �direct�y or indirectly� amounts that d�r��e fram �or might be characterized as} �� por�i�n �f Barrawer's payments for Mortgage �nsurance, i n exchange far shar�ng or modify��g th� t�zortga�e i nsurer'S �'i5�, or reduci ng lasses. If such agreement pro�ides that an aff tiate af Lender�akes a s��are �f the insurer's r�sk in exchange far a share of the premiums pai d to the i nsur�r,the arrangemen�is �f�en t�rmed"captive rei nsurapce." Fur�her: �a} Any su�h agreements wil� not affe�t the amounts that B�rrower has agreed to pay for Mvrtgage Insurance, or any other terms of the Loan. ��uch agreements will not �n�r�ase the amount Borrawer w�i�owe for Mortgage Insurance,and they wi��nat ent�t�e Barrower to any refund. �b} Any su�h agreement� wil� not af�ect the rights� Bvrrvwer has -- if any -- with respe�t to #he Martgage Insurance under the Homeown�rs Protec�iv�n Act of 1998 or any ather �aw. These rights may include the right to receive certain disclosures,, tu r�equest and �btain canc��lation of the Mortgage Insurance, to ha�e the Mortgage Insurance 1:erminated autamat�cal�y, andlor to recei�e a refund of any Mortgage Insurance premiums tha�t were� unearned at the t�me af su�h can�ellation or termination. lU. Assignment �f Mi�cellaneQus Praceeds; Forfei�ure. All Miscellaneous Pr�ceeds are hereby assigned to and shall be paid to Lender, sub�ect to the rights �f an� �ienho�der with r�ghts �� Misce��ane�us Proceeds that are superior to Lender's rights�. If the Pr�perty is damaged, such Misce�laneous Proc��:ds �ha�� be app�ied t�restoration or r�pair of the Property, if the res�aratian ❑r repair �s econc�mical�y fea�ib�e and Lender's security is not lessened. During such repair and r�storation period, Lender �hai� have the ��ight to hald such Miscellaneaus Praceeds unti� Lender has had an oppartunity�a inspect suc�h Praperty�� E�nsure the work ha� be�n cornpleted to Lender's satisfac�i on, pro�i ded that suc h �nspec�i on sha�l be und�r�t��ken prampt�y. L�nder may pay far the repai rs and restoration in a s�ngle d�sbursement or in a seri�s of' pr�gr�ss paymen�s as the vvark is comp�eted. Llnless an agreement is made �n wrt�ing or App�icab�� Law requ�res in�erest ta be paid on such Miscellaneous Proceeds, Lepder sha�l not be required �o pay Borra,►aver apy interes�t Qr earnings an such Misce��aneous Proceeds. Sub�ect to the rights of any 1 ienh�fi der �vith rights to Mis�ellaneaus Proceeds tl�at are superior to Lender's rights, if the restoration ar repair i;a pot ecanomica��y feasib�e or Lender's security would b� �essened, the Mis�e��aneous Proceeds sha�l be applied to the sums secured by this Security �nstrument, wh�ther or not then due, with the exc�ss, i�f any, paid t� B�rrawer. Such Misce�Ianeaus Prac�eds shall be app��ed in the arder provid�d far in 5ect2on 2. Subject to the rights af any lienhaider with r�ghts t�� Misce�tane�us Proceeds that are super�ar t� L�nd�r's righ�s, i n the event of a taking, des�ructi on, or Icfss i n �alue of the Property, �he M iscel laneous � � Bnr�•ower In i t�al 0 20'14 G uardianD�cs �page 7 of 13 pages� NE�iased-End�unio�•Lizn S�cur�ty Instrument�1?i 2312�1�} H�'#4829-1�45-b45b � i r � � � , , � � �� ,' � � ,