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��14�531� continue to pa��a I.�nder the amoun��f�he separately des��nated paymen�s �hat v�er�due when the �nsurance coverage ceased to b�in effect. Lender will acc�pt, use and re�ain�hese pa�men�s as a non-refundable Ioss res�r�e in�i�u of Mortgage Insurance. Such l�ss reser�e shall be non-refundable, no�withstanding�h� fa�t that�he Loan �s ultimately paid in ful�, and Lend�r shall no�b�requ�red to pa� Borrovver any interest or earnings on such�oss reser�e. Lender can no �on�er require lass reserve paym�ents if Mor�gage �nsurance co�erage�in the amount and f�r the periad�hat Lender requires} pro�ided by an �nsurer selected�y Lender again becomes a�ailable, �s ob�a�ned, and Lender requir�s separate�y designated pa�m�n�s�oward the premiums f�r Mor�gage Insurance. �f Lend�r required Mor�gage�nsurance as a �flnd�tion of making the Loan and Borrower was required �o make separatel�designated pa�ments toward�he premiums for Mor�ga�e Insurance, Borrower sha11 pa�the premiums requ�r�d to ma�ntain Mor�gage �nsurance �n effect, or t�pra�ride a non-refundab�e loss reserve, until Lender's requirement f�r Mor�gage �n�urance ends in accordance v�r�th any v�rri�ten agreement between Borrower and L,�:nder prov�ding for such term�na�ion or untii t�rminatian is required by App�icahle Law. Noth�ng �n�his S�ction �0 affec�s Borr�wer's �bi�gation ta pa�interes�a�th�ra�e provided in the No�e. Mar�gage�nsurance reimburses Lend�r�nr any�nti�y that purchases�he Note} for cer�ain losses �t may incur if Barrower does not repay�he I.aan as agreed. Barrower is no�a part�to the Mor�gage�nsurance. Mortgage �nsurers eva�ua�e their total risk 4n a�i such �nsurar�ce in f�rGe fram time to�ime, and rna�e�ter into agr�emen�s with other parties tha�share or modify their r�sk, or reduc�losses. These agreem�nts are on terms and condi�ions�hat are sa�isfactory�o the mor�gage insurer and the other party �or par��e�} ��hese agreements. These agreemen�s may require the mar�gage insurer�a make pa�men�s us�ng any sourc�of funds tha�the mor�gage insurer may ha�e ava�lable�which may inc�ude funds�t�tained from�or�gage Insurance prem�ums}. As a result of these agreements, Lender, an�purchas�r nf�he Nates ano�her�nsurer, any reinsurer, any fl�her �nt�t�, or any af�i�iate ot`any af the farego�ng, may rece�ve�d�rec�l�or indir�ctly} amounts tha�der��e from �ar magh��e charact�r�zed as} a p�rt�on of Borrav�er's payments f�r Mortgage Insurance, in exchan�e far sharing or mod�fying t�e�m.�r�gage�nsurer's risk, or�educing los�es. �f such agr�ement prn�rides�hat an aff��iate�f Lender takes a share af the�nsur�r's r�sk in exchange far a share of the premium�paid�a t�e �nsurer, the arrangement �s aften termed "capti�e reinsurance." Further: �a� Any such agreexnen�s w��not affect the am�un�s�ha�Barrower ha5 agreed to pay for Mar�gage � Insurances or any nth�r�erm�s�f the Laan. Such agreemen�s«il� no��ncrease�he amoun� Borrower w��owe for Mar�gage Insurance, and they ►wil�no�enti�le Borrow�r to any refund. ��} An�such agreexnents w��not affec��he righ�s Bvrrawer has��f any -wi�h respec�to the Mor�gage Insurance under the IIo�meowners Prote�tion Ac�of 1998�r any other lavv. 'The�e righ�s niay�nc�ude�he r�gh�ta receive cer�ain disc�osures, to request and u��ain cancellation of the N�ortgage Insurance, to ha�e the Mortgage Insuran�e�erm�na�ed aut�ma�i�aily, andlor�o rece�ve a refund of any IVTor�gage Insurance�re7m�ums�ha�were unearned a��he time of such cancellation ar terminatian. ��. Assignment of M�scel�aneous Pr�ceeds; Forfeit�re. All Misceilaneaus Proceeds are here�by ass�gned to and sha��be paid to Lender. �f the Proper�y is damaged, such M�scel�aneous Proceeds sha��b�appl�ed tn restoration or repa�r of the Proper��, if the res�ora�ion or repair is econom�caliy feas�bl�and Lender's secur�ty is nat lessened. Dur�ng such repair and res�oration p�r�od, Lend�r shall have the righ��o h��d such Misce��aneous Proceeds until L.ender has had an appartunity�� inspect such Proper��o ensure�he work has been comp�eted to L�nder's N�BRASKA-5ingle�arniEy-far�nie Mael�reddie Mac UNIFaRM IN5TRl3MENT Farm 30�8 110�# VMP[�} VMPS�N�i�1302} Wolters Kluwer Financia!Ser�i�es Page 9 of 17