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��14�33�1 continu��o pa�r to Lender�he amount af the separately desi�nated pa}�ments�hat v�ere due wh�n the insurance co�erage ceased to be in effect. Lender v�ri�� accep�, use and retain these payments as a non-refundab�e loss reser�e in��eu of N�ortgage�nsurance. Such I�ss reserve shall be n�nWrefundab�e, notwithstand�ng�he fac��ha�the Loan is ultima�e�y p�id in fu��, and Lender shall not b�required to pay Borrower any �nt�r�s�or earnings on such loss reserve. Lender ean no �on�er r�quire loss reser�e payments if Mort�age �nsurance c�verage �in the amount and for�he periad tha� I..�nder requ�res�pro��ded by an insurer se�e�ted by L.ender again be��mes a�a��ab1�, is ab�ained, and I.�nder r�quires separa�e�y designated payments�flward the premiums for Mortgage Insurance. If Lender required IVlortgage�nsurance as a condi�ion of making�he Laan and Borrov�rer v�as requ�red to make separately designa�ed payments�oward�he premium.s f�r Il�ortgage Insurance, B�rrovwer shall pay the premiums requ�red to main�ain�Vior�gag� �n�ura.�ce�n effect, or�o pro�ride a nan-refundab�e loss res�rve, un�il Lende�r's requirement for Mor�gage Insurance�nds in accardance wi�h any�vri�ten agreement between Borrower and Lender pra�iding far su�h �ermina�ion�r unt�l termina�ion is required�y Appiicahle Law. Noth�ng in this Sec��on 1�affec�s Borrower's obl�gatian�a pay interes�a�the rate provided in the No�e. Mortgage Insurance reimburses I,�nder�or any en�i��hat purchases the Note} for certain I�sses �t may incur �f B�rro�ver do�s not repay�he L�an as agreed. Borrower�s not a par�y�� he Mor�ga�e�nsurance. Mor�gage�nsurers��a�uate�he�r�o�ai risk on all�uch insurance in f�r�e fram�ime�o�ime, and ma�enter �nto agreemen�s vvith other par��es�hat shar�ar modif�r the�r risk, or reduc�losses. Thes�agre�men�s are on terms and conditions tha�are satisfac��ry to�he mortgage�nsurer and the other part� ��r par�ies}�a �hese agreem�nts. Thes�a�re�men�s ma� require�he mor�gage insurer to make payrnen�s us�ng any source of funds �ha�the m�rtgage insurer may have a�a��ab�e �vvh�ch may �nc�ude funds ob�ained from Mortgage�nsurance prem�ums}. As a resu�t of fh�se agreemen�s, Lender, any purchaser of the N��e, another�nsurer, an� reinsurer, any o�her en�ity, or any af��iate of any of�he foregoing, may rece�ve�directly or indir�ctiy} amoun�s that derive fr�m �or might be characterized as}a por�i�n�f Borrav�er's paymen�s for Mor�gage�nsurance, in exchang�for shar�ng�r modxf�r�ng the martgage insur�r's risk, or reduc�ng�flsses. �f such a�reement prov�des�hat an affilxa�e of Lender takes a share of�he insurer'�r�sk in exchange far a share of�he prem.iums pa�d�o�he insur�r, �he arrangemen� is often termed "�aptive re�nsurance." Fur�her: �a} Any such agreemen�s will not affe��he amoun�s�hat Borrower has agreed to pay f�r Mortgage Insurance, flr any other�erm�of�he Laan. Su�h agreemen�s will not increase the amoun� Borrawer wil�owe far�Vlortgage Insurance, and�hey w��no�en�itle Borr�wer to any refund. �b� Any�uch agreements��vi�l not affec�the rights Borrower has w�f any -��v��h respe�t�a the �ortgage Insurance under�he Han�eowner�Pro�ectian Ac�of 1998 or any other�av�. These r�ghts may inclu�e the right to rece��e cer�a�n disc�osures, to reques�and obtain cancel�ation of the Mortgage Insurance, ��ha�e the Mortgage Insurance ter�n�nated automa��cally, andlor ta rece�� a refund�f any�or�gage Insurance premiums�hat were unearned at the ti�n�of�uch �ancella�ion or termination. 'i'1, Assignment of M�sce��aneous Procee�is: Forfe�ture. A11 M�scel�aneaus Proceeds ar�here�by assigned t� and shall be paid�o Lender. �f�he Property �s damaged, such Miscellane�us Proceeds shal�be app��ed to res�oration or repair of the Praper�y, if�he res�oration or repair�s e�onom�call� feasible and Lend�r'� secur�ty i� not�essened. During such repair and res�ora�ian per�nd, L�nder shal�ha�e the ri�ht to hold such Miscel�aneous Proceeds until L�nder has had an opportunity�� inspe�t such Proper�y�o ensure th��ork has been completed to L�nder's NEBRASKA-Sing�e�amily-Fannie MaelFr�ddie Ma�UNIFaRM INSTRUMENT �drm 3Q28 1!�� VMP� VMPStNE�t13ti2} Walters Kluwer Financia!5er�ices Page 9 af 17