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��15��13� c�nt�nue to pa�r to Lender the amoun�of fihe separately des�gnated paym�nts that w�re due v�rhen the insurance c�verage ceased to�e xn effe��. I.�nd�r wi�l accept, use and retain these paym.ents as a non-refundab�e loss reser�e xn��eu�f M�rtgag��ns�ran�e. Such��ss reser�e sha�i be non-refundab�e, �o�.withstanding�he fa�t tha��he Loan�s u��mat��y paxd in full, and Lender shall not be requ�red�o pay Borrower any �nteres�or�arn�ngs�n such�oss reserve. Lender can no longer require Iass reserve pa�rments �f Mor�gage Insuran�e c�verage�in the amount and for the per�od that Lender requires}provided by an in�urer selec�ed�by Lender again beco�mes a�aila��, �s flbtained, and Lender requ�r�� s�para�e�y designa�ed payments�oward the premiums for Mortgage Insurance. �f Lender requ�red Mor�gage Insurance as a condi�ion of making th�Loan and Borr�wer was requir�d�a make separa�ely designated payments toward the premiums for M�r�gage�nsurance, Borrower sha�� pay the pr�miu�rns requ�red to main�ain Mor�gage �nsuranc�in effec�, or to prov�de a non-refundable Ioss reserve, un�i1 L.ender's re�uirement for Mortgage Insurance ends in ac.�ordance w�th any wri�ten agreemerit be�ween Borro�v�r and L.ender providing f�r such �erm�na�ion or unti�termi.na��on�s r�qu�red b�App��cable Law. �o�h�ng in th.is Section 1.D affec�s Borrow�r's o��xgat�o�.ta pay in�erest at�he ra�e pro��ded�n�he�o�e. M�r�gage�nsuranc�reimburses Lender�t�r any entit�that purchases the Nate} far certa�n Iasses it rr�a��r�c�r if Borr�wer does no�repay the Loan as agreed. Borr�vver is n�t a par��r to th.e Mor�gag��nsurance. N.�ar�gage insurers e�a�ua�e the�r tv�a� r�sk on a.�.� such�nsurance in force from�i�ne to�ime, and ma�enter �n�o agreen�ents w�th o�h�r parties�hat share or m�dify the�r r�sk, or redu�e�flsses. Th�se agreemen�s are on term� and condi�ions tha�are sa�isfac��r�to the mor�gage insurer and the��her party�flr part�es}to these agreemen�s. Th�se agreemen�s may r�quire t�.e mor�gag�insurer to mal�e pa�m�nts us�ng any source of funds that the mor�gage insurer may have available�vvhich �nay�nc�ude funds�b�ained from.Mor�gage Insuran�� premiums}. As a result of�hese agreements, Lender, any pur�haser of the Note, ano�her�nsurer, any reinsurer, any other en��ty, or any affi��a��f an�r af�he faregaing, ma�r re�ei�e�directi�ar indir�ct��r� amaun�s that der��e from �or migh�he characterized as} a por�ron af B�rrow�r's paym�n�s far 1V.[or�gag�Insurance, in e�.c�.ange�or shar�ng or modif�ing�he m�r�gage insurer's risk, or reduc�ng Iosses. �f such agreement pro�ides�hat an af��ia�e of Lender tak�s a share of the�nsurer's rxsk�n exchange for a share flf the prenr�i.ums paid�o the �nsurer, the arrangem.ent is often�ermed "�apti��r�insuran�e." Fu�-�her: �a� Any such agreements will nat affec�the amaunts that Barrower ha�agreed to pay for Mortgage Ir�surance, or a�y o�her terms of th�Laan. Such agreements vri��not�ncrease the amount Barrower w��owe for�Vlortgage Insuranc�, and they wxll not entitle Barrower to any refund, �h} Any�uch agreements will not affect the rights Bnrrawer has�-if any -with respect to the Nlar�gage Insurance under the Homeowners Pratection Act of 1998 or any o�her�aw. These rights xnay�nc�ude the right to r�cei��certain dis��asures, to request and ob�a�n canceliation of t�e �Vlar�gage Insurance, to ha�e the�Vlartgage Insurance terminated aut�mat�ca��yy andlor tv r�cei�e a r�fund of any�Vior�gage Insurance prem�urns that were un�rned at the�ime of su�h cance��at�on or ternnination. 'I�. Assignmer�t of Mis�e��anenus Proceeds: Forfe�ture. A11 Misceiianeaus Proc�e�s are h�reby ass�gned to an.d sha��e�aid to Lender. �f th�Proper��r is damaged, such Miscellaneous Proceeds sha��be appl�ed�o restara�i�n ar repair of the Praper��, �f th�restoration or repair�s�canami�ally feasible and Lender's s�cur�t�is not Iessened. During such repair and rest�ration p�riod, Lender sha11 have the righ��o hald such Miscelianeous Prac�eds unt�I Lender has had an app�rtunity�a inspec�such Praper�y�o ensure the w�rk has�een c�mpleted�a Lender's NEBRASKA-Single Family-Fanrr�e MaelFreddie MaG UNlFDRM INSTRUMENT �oem 3�28'�ID'i VMP Q VMPfi�NEy�l��23 Wolters Ktuwer�inanGial Ser�ic�s Page 9 of 17