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��15��143 Insurance previous�y in effect, at a c�st substantially equiya�en� tfl the cost to�arruwer of the Mortgage Ir�urance pre��ously in effect, from a.n�ltemate mortgage insurer seiected by Lender. If substantially equivalent Mortgage Insurance covera�e is nat a�ai�able,Borraw�r sha11�antinue tv pay to L�nder th�amount�f the separately designated payments that were due when t�e in.surance co�erag�ceased to be in effect. Lender will accept,use and retain�hese payments as a nan-refund.ab�e lass reserve in lieu of Martgage Insurance. Such loss reserve sha�l be nan-refundab�e, notwithsta.nding�he fa�t that the Loan is u�timately paid in fu11, and Le�der shaZl nat be required to pay�rrower any interest or earnings on such lass reserve. Lender can no longer require loss reserve payments if Mortgage InsuranGe co�erage(i.n the amount and fvr the period that Lender requires�pra�ided by an insurer seiec#ed by Lender again bec�mes availabl�, is obtain�d, and Lender requires separately designated paym�nts toward the prem.iums for Mortgage�nsura.n�e. If Lender required Mortgage Insura.nce as a condition of making th�Laan and Burrawer was required to make�epa�ra�e�y designated pay�nents taward the premium,s�or Mortgage Inswance, Borrower sha1��ay the premiums required t�maintain Mortgage Insurance is�effect, or to provide a non-refundable Ioss�r�serve, until L�nder's requirement far Mart�age�nsurance end�in aecordance with any written agxeerrient hetween�orrawer anc� Lender providi.ng f�r such terminati�a ur until termination is required by App�i�ab�e Law. Nat�un�in this Section 1 D af�ec�s Borrower's�bligation to pay interest at the rate prvvid�d in the I�ote. Mortgage Insurance rei.mburses Lender�ar any entity that purchases th�Nate}far certain losses it may incur if Borrower does no�repay th�Loan as agreed. Borrower is not a party ta the Martgage Insurance. Mortgage insurers evaluate their total risk on al�such insura.nce in forc�from time�o ti.me, and may enter into agreements with t�ther parties tha�t share ar modify the'vr risk, or reduce�oss�s. Tb.ese agreements are on terms and conditions that are satisfactary to the murtgage insurer and the other party{or parties�ta these agreements. These a�reements may require the mortga�e insurer ta make pa.yments using any s�urce of funds that the mort�age i.nsurer may ha�e a�ailable�wh�ch may includ�funds obtained fr�m Mort�age Insuran�e premiums�. As a result af th.ese agreemea�s, Lender, any pur�ha.ser af the Nc�te, another insurer, any r�inswrer, any other entity,or any affiliate of any vf the foregaing, may recei�e�directly or indir�tly}arnounts that derive fram�ar might be characterized a�}a portion of F3orrawer's payments for Mortgage�nsurance, in eacchange for sharing or rnadifying the mortgage insur�r's risk, or redu�ing lvsses. �f such agreement provides that an aff�liate of Lender takes a shar� �f the insurer's risk in exchange far a share of the premiums paid t�the insurer, the arrangement is aften termed "captive rein�uranc�." Further: �a} Any such agreements w�ll not affect the amouats that Barrower ba� agreed ta pay for Mortgage Insur�n�e,or any other#erms of thc Loaa. Such agreements will not i.ncrease the�mvunt Borrawer will owe for Mortgage Insu�ce, and they w�ll not entitle Borrower to any refund. (b} Any su�h agreements will not aff�ct the r�gbts Borrower has -if any-w�th respect to the Mortgage Insur�n�e under the Homevwn��rs Protection A�f of 1998 or any o�her law. These Y-�ights may�n�lude the right ta recei�� certaxa discl�sures, to request snd abt�.in cancellati�n of the Mortg�ge Insur�nce, to ha�e the Mortgage Insuranee�ermia��d�ut�maacally, andlor to recei�e a refund of any Mortgage Insur�nce premiums thafi w�re unearned�►�the time af sueh eanceuatioa ar termination, 11. A�sigAmeat of Miscellanevus Proceeds;Forf'eiture. A11 Mis�ellaneau�Froceeds are hereby assigned tv and shall be paid to Lender. �f the Properfiy is damaged,such Miscellaneous Proceeds Shall be applied ta restor�tion or repair af the Fr�perty, if the restoratian or repair is ecQnomica�ly feasibl�and Lender's seeurity is nat lessened. During such repair and restoration period, Lender shall ha�� the right ta hold such Miscellaneaus Prviceeds until Lender has had an apportunity to inspe�t such Property to ensure the work ha.s been ca�mpleted ta Lender's satisfactian, pr�vided that such inspection shall be undertaken prampt�y. Lender m.ay pay far the regairs and re5toration in a single dis�ursement ar in a series af pragress payments as the work is campleted. Unless an agreement is rna.de in writi.n�or Applicable Law requires interest to be paid on s�ch Miscellaneous Praceeds, Le�.d�r shall nat be required to pay Borrower any interest or earnings on such Miscel�aneous Prac�eds. �f th�restaratian or repair is na�t ec�nomi�ally feasible or Lender's security worxld be lessened,the Miscellaneaus Pro�eeds shail b�a�p�ied tn the sum�secured by t�us Security �nstrument, whether or nnt then due,with the excess, if any,paid to Borrower. Such Miscellaneous Proceeds sha11 be applied in thE arder provided for in Section 2. N�RA�SKA�-5ingle Family--Fannie MaeJFr�eddie Mac UNIF�3R11A INSTRUMBVT W MERS p�� Form 3D�S 11�1 P�ge 8 vf 15 www.dvcmagic,carrf �