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��1 5�� payments that were due when the insurance Goverage ceased to be in effect.L�nder wili accept,use and r�tain these payments as a n�n-refundal�le loss reserwe in lieu af Mor�gage Insuran�e. Such lass re��rve sk�a�l be nar�-refundab�e,notw��hstand�ng the fact that the�aa.n i�ultima�ely paid in ful�,and L�nder shall nv�be reQuired ta pay Barrower any interest�r earnings on such loss reser�e.Lender can no longer r��uire lass reser�e payments if Mor�gage Insuran�e c��rage�in�he amoun�and for the period that �ender requires�pr�Wided by an insurer s�lected by Lender a�ain be�omes a�ailabte,is�btained,and Lender requires s�paxately designated paym�nts taward the premiums for Mortgage Insurance.If Lender r�quired M�rtgage Insurance as a conditi�n of making the Loan and Borrawer was required ta make separately designated paymen�s�award the premiurn� for Martgage Insuran�e,Borrawer shall pay the prerniums required to rnaintain N��r�gage Insuran�e in eff'ect,ar ta pra�i�e a na�-refundable lass reserwe, un�il Lender's requirement for Mflr�gage Insurance ends�n ac�ordance vvith any�r�vritten agreemen�between Barrawer a.nd Lender pr�viding fflr such terminati�n or until terminatian is requ�red by Appli�able Law. Nothing in�his Section 1�affects Barrower's obligation ta pay interest at�he rate pra�ided in the l��te. Mortgage Insurance reimburs�s Lend�r{or a.ny entity that purchases the l�lote}for certain lasses i�may incur if B�rr�wer d�es not repay the L4an as ag�eed.Borrower is not a�arty to the Mortgage Insurance. Niartgag�insurers e�a�uate�heir tota�risk on a�t such�nsura.ta�e in force from time to time,and may�nt�r inta agr�ements with other parties that shaxe or madify their risk,or reduce losses.These agreements are on terms and c�n�itions that are sati�factary ta the m�rtgage insurer and th�other party�or parties}to th�s�agreem�nts.These agr�ement�may re�u�re the mortgage insurer tQ make payrnents using any s��rc�of funds that the martgage insurer may ha�e availahl��which may include funds abtain�d frorn , M�rtgage Insurance premiums}. �4s a result of these agre�rnents,I��nd�r,any purchaser�fthe Note,another insurer,any reinsurer,any other entit�,vr any affilia�e of an�af the foregaing,may recei�e�direc#ly or indirect�y}amounts tha� �erive from�or might b�characterized as}a partion of Borrower's payments for Martgage Insurance,in exchange fvr sharin�or m�difying the mortgage insurer's risk,�r r�du�ing�osses.If such agreement pra�ides�hat an affiliate�f Lender ta.�es a share❑f the insurer's risk in exchange fvr a share�f the premiums paid to the insurer,the arrangement is oft�n termed "capti�ve r�insurance."�'urther: [A) Any su�h agr�ements will na� affe�t the amounts that Barrower ha� agr�ed to pay f�r Mortgage Insurance, or any uth�r terms of the Lo�n. Su�h agre�ments wii[ nat incr�ase �he am�unt Borrawer will owe for Martgage �nsu ran�g, and they will not entitle Borrower �o any refund. {B� Any such agreements will nat affect the rights $arrvwer has - if any - witb respect to the Mortgage Insura nce under the Hameowners Pr�tectifln Act oF �998 or any other law. These right� may in�lu�le the right t� receive certa�n disclo�ures, to request and obtain �ancellativn of th� Martgage �n�uran�e, tv ha�e the Mortgage I�suraace #er��na�ed autcrmat�ca��y, andlor t� re��ive a refund of any M�rtgage Insuranee Rremium� t�at w�re un�arned at �he time of such can�ellatian or #�rrninat�fln. ��t.Assignment of IV��sceliane�us Rr�oce�ds;�orfeiture.A�I Mis�e��an�aus Prv�eeds are�er�� assigned to and�ha�l he paid to Lender, H�FC`r�10358 NEBRASKA-5ingie Family-Fannie MaelFredr�e Mac UNIF�RM lNSTRUMENT ��►�Q�$'�� VMP� �� Wolters�tluwer�inanaal Services 2�15�81715.2.0.3�37-J�495Q5�Y Pag�e 9 of f? •.�