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��14�7555 payments tovvard the premiums f�r Mortgage Ynsurance,Borrovver shall pay the premiums required to obtain covera.ge substantia�ly equi�aient to the Mortgage Insuran�e previously in effect,at a c�st substantially equi�alent to the�ost to Barrovver af the Mortgage Insurance previausly in effect,from an alternate mortgage insurer selected hy Lender.If substantially equi�alent Mort�age Insurance co�erage is not available,Borrow�r shall continue t�pay tv Lender the amflunt of the sepaxa.tely designated payments that were due when the insuran�e�overage ceased t�b�in ef�e�t.Lender vvii�acc�pt,use and retain these payments as a nanWrefundable loss reserve in lieu of Mort�age Insurance. Such lass reser�e shall be n�n-refundable,natwithstandin�the fa�t that the Loan is ultimately paid in full,and Lender shall not be required to pa�Borrower any interest or earnings on such lass reser�e.Lender can n�longer require Ioss reserve payments if Mortgage Insurance�overage tin the amount and for the period that Lender requires}prnvi�ed by an insurer sele�ted by Lender agair�becomes avai�able,is obtained,ar�d Lender requires separately designated payments t�vvard th�premiums far Mor�gage Insurance.IfLender required Mortgage Insuran�e as a condition of ma.king the Loan and Borro�ver was required to make separate�y de�ignated payments tovWard the premiums for Mortgage Insurance,Borrovver sha�l pay the premiums re�uired to maintain Mortgage Insurance in effect,orto pr��de a non-r�fundable loss reser�e, until Lender's requirement fnr Mortgage Insurance ends in ac�ordance v�ith any written agreement between Borr�v�er ar�d Lender providing for such terminat�on or until termination is required by Applicable Law. Nothing zn this Secti�n 1�a�f�cts Borrower's obiigatian to pay interest at the rate pro�vided in the Not�. M�r�gage Insurance reimburses Lender�or an�entity that purchases the Note}f�r cer�ain l�sses it may incur if Borrower d�es not repay the Loan as agreed.Borr�wer is not a party to the M�r�gage Insura.nce. Mortgage insurers evaluate their total risk on a.i�such insuran�e in force from time to time,and ma�enter into agreements v�rith other par�ies that share or modify their ris�,flr reduce�osses.These agreements are �n tenns and conditions that ax� satisfa�tor�to the mortgage insurer and the ather parry�or parties�to these agreements.These agreements may require the mortgage insurer to make payments using any source�f funds that the mortgage in�urer may have availabl��which may include funds obtained from Mortgag�Insurance premiums}. As a result of these agreements,Lender,any purchaser of the Note,another insurer,any reinsurer,any other entity,or any af�'iliat�of any of the for�going,may receive�directly or indirectly}amounts that derive from�or might be characterized as}a portion of Borrower's payments f�r 1Vlortgage Insuran�e,in exchar�ge far sharing or modifying the mortgage insurer's risk,or reducing i�sses. If such agreement provides that an aff"iliate of Lender t�kes a share of the insurer's risk in exchange f�r a share�f the premrums paid to the insurer,the arrangement is nften termed"�aptive reinsurance."Furth�r; �A} Any such agreement5 will nat affect the amaunts that Borr�wer ha5 agreed to pay for Mortgag� InSurance, or an� other terms �f the Loan. Such agreements will n�t in�rea�e the arn�unt Borr�wer witl �we f�r M�rtgage Insurance, and they will not �ntitle Borr�wer to any ref u n d. �B} Any such agreements will n at affect the rights Barrawer ha5 - if any - with respect t� the Martgage In�urance under the Hame�wners Pr�tecti�n A�t of 1998 ar any other law. The�e right� may include the right to recei�e �ertain discl�sures, t� request and �btain cancellation af the 1Vlartgag� Insurance, ta ha�e the Mortgage Insuranc� terminated automaticaily, andlar HCF�-0�:359 NEBRASKA-5ingle Family-Fannie MaelFfedd�e Mac IJNIFORM INSTRLfMENT Form 3028 1101 V MP� 07114 Wolters Kluv►+er F�nanc�a�Services 2�1412014 1 0 2815-,]2014�129Y Page 9 of 17 "42231101 d219" , � �r r r !