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��15�4979 �a�rnents t�vvard the premiums f�r Mortga�e Insurance,Barrov�er shall p�y the premiums re�uired to ,�bt�n cc��erage substar��ally equivalent ta tl�e Mor�ga�e Insurarice pr��riaus�y in ef��t,at a cost su�stant�al�y equi�ra�ent to the cost to Borrawer af the Mortga�e Insurance�reviously in effect,from an �.�ter�nate m�rtga�e insurer selected by Lender.If substar�tia��y e�u�val�nt 1Vlortgage Insurance co�erage �s nvt ava��ab�e,Borr�wer sha11 cantir�ue to pay t�Lender th�amount ofthe�epazate��designated ��.�ent�that were due vvhen the insurance c��erage ceased to be in effect.Lender vc�ill a�cept,use and r�tain these payments as a non-refun�.able l��s reserve i��i�u af ll�or�gage�surance. Such�oss reser�e sha�l be non-r�fundable,nvt�vith�tanding the�act that the L�oan is ult�mately p�d in full,and Lender shall ��t��qu��ed t�pa�Borrower�ny interest or ean�ing�on such la�s reserv�.L�nder can no�on�er requ�r�loss reserv�paym�nts if Mc�rtgage Insurance ca�era�ge(in th�amaunt and for the periad that I�end�r requ�res�provide�b�an insurer s�lected by Lende�again become�avai�abie,is a�tained,and I�x�de�requir�s separat�ly designated pay��nts#��ard the pre�iums f��N�o�rtgage Insu.ra��e.If�ender requi�d M�rt�gag�Inswrance as a�ondit�vn�f making the Loan and Barrc��rer was requ�red tv make separ�tely des�gnated payrnents taward the p�rem�ums f�r Mortgage Insuranc�,Bvrrawer shall pay the prern��rns re�uired to ma�n�ain Mvr�ga�e Insuran�e in�ffe�t,�r tv prov�de a non�refundable las5 reser�re, ux�.t��Lent�er's requiremer�t f�r Mc�rtgage Insurance ends in accor�dance with any writ�en agreernent�etween B�rr�v�er and L�en�d�r�rovi�ia.i�f�r su�h tennination or until terminatian is requ�red by App��Cab�e Lav�r, �oth��g iri this Section ��a�£�cts Borrower's abligat�an to pay ir�terest at the rate prov��ed in th�Note. Martgage Insurance reimburses Lender(�r any entity that�aurchases the Note}for cert�.in los�es it may ��z�ur if B�rrawer doe s nvt r�pay the Ilvan as�greed.B�rr�wer is not a pa�ty to th�Mortgage Insurance. ��r�age insurers e�aluate their t�ta�risk ori a�1 such insura�ace in f�rce from�ime to t�me,an�may enter �irit�agreeme�.ts vv�th other pa�tie s t�at share or modify the�r risk,or r�duce los�es.Th�se agreements are vn terms and�or�c�it�ons that are sat�sfact�ry ta the mortgage insur�r and#he other par�y�or partaies�to t�es�agr�ement�.Th�se agr�ements may r�qu.xre the martgage�.n.sur�r ta make payment,�using any �vurce�f funds th�t the mnrtgage insurer may ha�e avaiiable�which may include funds�bta�ned frarn NY�rt�age Insuranc�pr�miums}. As a result oftl�ese agreement�,Lender,any.pur�haser�f the Nvte,ar��ther�nsurer,an�r reinsurer,any v#11er entity,�r any affili�te of any of the f�re�oing,may rec�iv��direct�y or�ndirectlyj am�unt�that d��e��m�or ntight be�hara�teri2��as}a�ortion af Barrawer's payment�for M�rtgage�nsurance,�n e��hange for sharing or rn�dif�ing th�mortg�e�nsur�r's risk,�r reducing�osses.If su�h agreem�nt �r�v�de�that an a.�iliate of I.ender takes a share of the insurer's risk in exchange f�r a share af th� prem�ums pa:�d to the in�urer,the arrar�gement is�ft�n termed"captive�+ei.nsur�nce."Further: . �A�� Any su�h agreernents w�ll nvt �ffect the am�unts that Barrower has agreed to pay for NYartgage Insurance, ar any other term� of �h� Laan. Such agreements wi�� nat increase th� arri�unt Borrow�r wi�� uwe far Mortg�ge Insuran�e, �.n►d they will not ent�t�� B�rrow�r t� any refund. ��} Ariy �u�h ��reements wi�l nat affect th� rights Barrawer ha� - �f any - �th respect to the M�r�g�ge In�ur�nce under the Homeuwners Pr�tectia�n Act �f 1998 �r any vther �aw. Th�se ri�hts rn.�� n�c�ude the right tv r�cei�e certain disclosures, to request and obt��n cance��tion o�� the M�rtg�.ge In�uran�e, tu have the Mortgag� Insu�rance term�n�ted aut�matica�ly, �n�1ar #�CF�.003�s9 NEBRASKA-5ingle Farnily-Fannie MaelFrecidie Mac UNIF�RM iNSTRI]M�NT Form 3�2$11t]i VMP� a$f14 IAblters F4cn�r Finarticial Servioes 7A15t370915.'E.0.3112-J20150123Y Page 9 0€9 7 *8521742152�0"