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��1 5��41 3 c�n�inu��o pay�o Lender the am.aun�of th�separately desi�nated payments that were due�rhen the insurance ca�erage ceased ta be in effect. Lender wiil accept, use and re�ain�hese pa�rnen�s as a non-refundable�os�r�ser�e in�ieu of Mor��age�nsuran�e. Such�oss reserve shall be n�n-refunda�le, notwiths�anding�he fac�that the Loan is ul��ma�eiy paid in fuli, and Lender shall not�e requi�ed tn pay Bnrrov�er any interest or earnin�s on such�oss reserve. Lender can no lan�er requ�re lflss reser�e payments �f Mort�age Ia�surau�ce caverag�€in�he a��ount and far th�peri�d that Lender r�qu�r�s}provided by an insurer sei�c�ed by Lender a�ain hecome� a�vai�a�le, is ohtaine�i, and Lender requir�s separat��y desi�na�ed pay�nents�oward the pre��unas fa�Martga�e�nsurance. �f Lender required Mo�rtgage�nsurance as a candi�ion of making the Loan and Borravver was requir�d�o make se�arately des�gnated payments�ov�ard the premium.s for Mortgage�nsurance, Borrower shall pay�he prerniums required to maintain Mo�tgage �nsurance in effe�t, or to provide a non-refundab�e�oss res�r�e,unt��Lender's requzr�ment far M�r�gage Insurance end� in accordance v�ith an�written agreem�n�betvveen Barrowe�r and Lender prov�d�ng for such ternlina�ion ar unt�i ter�nination is required by Appiicable Law. N��hing in th�s Section IO affec�s Borrow�r's ob�iga�ion to pay interes�d� t�e rate prfl�ided�n�he No�e. Mor�gage In�uranc�reim�urses Lende��ar any entity that purch�ses th� I�ote}far cer�ain lasses�t ma�in�ur if Borr��v�r does n�t r�pa�the Loan as agreed. Borro�rer is not a party�o the Mor�gage�nsurance. Mortgage insurers evaluate�h��r total risk❑n all such �nsuranc�in force from time ta�ime, and may enter into agreem�n�s wi�h a�her par�ies that share ar modify�heir risk, ar reduce lasses. These agreements are on t�rms and c�nditions that are sa��sfa�tory t�the m�r�gage�nsurer and the�ther par�y�or parties}to the�e agreem�n�s. These a�reemen�s may re�uire the mor�ga�e�nsurer�a make paym�nts using any source of funds that the mortgage in�ur�r�na�have a�ailable�whi�h rnay includ�funds�bta�ned from Mar��ag��nsurance prem�ums}. As a resul�of�hese a�reements, Lend�r, any purchaser af�he I��te, ana�her insurer, any r�insurer, any other entity, �r any af��iate�f a�r�y of t��e forego��ag, ��.ay receive�dire��y�r xnd�rect�y}a�nounts�ha�derive fra��a �or might b�characterized as}a po�ian of Barrawer's pa�ments for Mnr�gage�nsurance, in�xchang�for shar�ng or znod�f��ng the martgage�nsurer'�risk, or reducing�asses. If such a�reement pr�vide��hat an af�lia�e of Lender ta.�es a share af the insurer's risk�n exchan�e far a share of the premiums paid to�he insurer, �he arrangemen��s flften termed "cap�ive reinsurance." Further: �a� Any such agreemen�s wvi�l nat affect the amounts that Borrower has agre�d�o pay for Mortgage InsurancQ, or any other t�rm�of the Loan. Such agreemen�s��v�il not�ncrease the amount I3orrawer will owe f�r Mor�gage Insurance, and�hey wil�no�en#i��e Borrovv�r ta any r�fund. �b} Any such agreements��iii nat affec�the rights Borrower has-if anyµw�th respe��o the �Vlartgage Insurance under�he Il�m�awners Pro�ect�on Ac�af�9��or any other�aw, These righ�s may includc�he right t�recci�e ccr�ain disclosures, �o reques�and obtain�an��i�a�ion of the �Vl�r�gage Insurance, �o have�he Mar�gage Insurance terminated autom�at�ca��y, andlar�o rece��e a refund of any M�rtgage Insurance premiums�hat wcre uncarned at�hc�imc of such �an�Q�lat�on nr terminat�on, 'I'[. Ass�gnmenfi of �Ill�scel�aneaus Prviceeds: Forfeiture. Ali M�s�ellaneou� Proceeds are hereby a5sign�d�a and shall��paid to Lender. If the Property �s darnaged, such Miscellaneou� PraGeeds shall be applied ta resto�rati�n ar repa�r af the Prape��, �f the restarat�on or repair is econom�caily f�asible and Lender's securi��s nat lessened. During such r�pair and res�oration periQd, Lender shall ha�e the righ�to hold such Miscellaneous Praceeds unti� Lender has had an oppor�unity to�nspec�such Prdperty ta en5ure the work has been cornp�e�cd�o Ler�der's N�6RASKA-Single�amily-�annie MaelFredriie Mac UNIF�RM INSTRUMENT �arrn 3Q28 110i VMP fl VMP6IN�f[�30�� WvEters KI�€wer�inancial Ser�ices Page 9�f�7