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2� 15�759� paymen�s t�vvard the premiums for Mot�tgage Insuran�e,Borravver shall pay th�premiums required�� obtain�o�erage suhstantially equiva�ent to th�Mar�gage InsLu an�e pre�i�usly in effect,at a cost substantia�ly equi�alent tv the cost to Borrower of th�Mortgage InsuranCe pr�viflusly in effect,fr�m an alternate martgage insurer selected by Lender. If substantially equivalent Mortgage Insuran��caverage is not available,Borrower shall continue�o pay t�Lender the amount of�he separately designated payments that v�ere due when the insurance c�verage ceased ta be in effect.Lender will accept,use and retain�hese payrr�ents as a nan-refundabl�loss reserve in lieu of Mortgage Insurance. Such loss reser�e shall be non-refundable,notwithstarid�ng the fact that the Laan is ultimately paid in full,and Lender shall n�t be re�uired t�pay Borr�wer any interest ar earnings on su�h loss reser�e.Lender can n��onger require loss reserve payments if Mortgage Insurance coverage�in the amvunt and for�he period that Lender requires�provided by an insurer selected by Lender again l�ecflmes available,is obtained,and Lender r�quires separately designated payments tvward the premiums fvr Mortgag�Insurance.If Lender required Mortgage Insurance as a�onditi�n of making the Loan and Borrower was required t�make separately designated payments toward the prerniurns for Mortgage Insuran�e,Borrower shall pa�the premiums requ�red ta main�air�Mortgage Insurance in effe�t,ar ta provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance tivith any writter�agreement between B�rrower and Lender prnviding f�r such terminati�n or unti�termination is required by App�icable Law Nothing in this Section 1�affects Borrovv�r's obligatian�o pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender�or any enti�y that purchases the Not�}for cer�ain loss�s it may incur if Bnrr�wer does nflt repay the Loan as agreed.Borrower is na�a par�y�o the Mortgage Insurance. Mor�gage insurers evalua�e�heir tatal risk on all such insurance in f�rce fram tirne to time,and may enter �nto agreements�vith�ther parties tha�share�r modify their risk,or reduce losses.These agreements are on terms and conditions that are satisfactory�o the mortgage insurer and�he other party�or pax�ies��o these agreernents. These agreements may r�quire the mortgag�insur�r t�rnal�e paymen�s using any source of funds that the mortgage insurer may have available�whi�h may in�lude funds obtained fr�m M�rtgage Insurance premiums}. As a result�f these agreem�nts,Lender, any pur�haser of the Note,another insurer,any r�insurer, any other entity,or any aff liate of any of the f�regoing,rnay receiv�(directly or indirectly�arn�unts that derive from��r might be character�zed as}a p�rtion of Borrower's pay�nents for Mortgage Insurance,in exchange for sharing or modifying the mar�gage insurer's risk, �r reducing l�sses. If such agreement provides that an a��iate of Lender takes a share of the insurer's r�sk in exchange for a share af th� premiums paid to the insurer,the arrangement is�ften termed"�aptive reinsurance."Further: (A} Any �uch agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insuran�e, or any ather terms of the Loan. Such agre�m�nts wiil not increase the amaunt Borrower yvill awe for Mortgage In�uran�e, and they wi�l not �nt�tle Borr�wer to any � refund. [B� Any such agreement5 �v�ll nat affect the rights �orrowQr has - if any - with respect to the Mortgage Insurance under the Homeov�vners Protection Act of 1998 or an� �ther iavv. These rights may include the right t� recei�e certain disG�osures, ta request and obtain �ancellation of the Martgage Insuran�e, to ha�e the Mortgage Insurance terminated automatiCally, andlnr HCFG-4�359 NE6RASKA-Single Family-Fannie MaelFreddie Mac UNIFQRM fNSTRUMENT �a��$�� VM P� 43115 Wolters Kluwer Financial Servi�es 2�1a1A1915.�.2.3298-J2015�5�6Y Page 9 of 17 * 4 261522a*