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2� 1 ��55 �antinue�o pay to Lender the amount�f the separate�y designated paymen�s�hat were due vvhen the �nsurance cfl�erage ceased�o h��n effe�t. Lender wi1l accep�, use and retain�hese payments as a nan-refundable�oss r��er�e in lieu of Mflrtgage Insura�ce. Such l�ss reser�e shall ��non-refunda��e, notw��hstanding the fac�tha��he Loan is ultimateiy paid �n fu�l, and Len�.er shall nat b�requ�red to pay Borrower any �nteres�or earnings an such Iass r�serve. Lender can na I�nger require loss r�s�rue paymen�� if Mor�ga�e�nsuran�e coverage�in the amount and for the period�hat Lender requires} pro�ided b� an � insurer se�ec�ed by Ilender again becomes available, is ob�ained, and Lend�r r�quir�s separa�el�designated payments toward the premiums far Mortgage�nsurance. �f L,end�r requ�red N�or�gage Insurance as a condit�on of makxng the L.oan and Borrawer was required to m.ake separa�e��des�gnated payments tnward�he premiums for Martgage�nsurance, Borrower shall pay �he premiums required�o maintain Mo�gage Insurance in effec�, or�o pro��d�a non�refundable lnss reserve, unt�l Lender's requiremen�far Mor�gage �nsurance ends �n accordance vvith any v�rritten agreement h�tw�en Borrower and L,�nder pro�iding f�r such ternv.na�ion ar un�i1 termination is required by AppZ�cab��Law. No�h�ng �n�his Section I D affects Borrower's ob��a�zfln�o pay �n�erest at��ze ra�e pra�ided in the N��e. Mor�ga�e�nsurance reimburses Lender�or any�n�ity tha�purchases the Nfl�e� for cer�a�n losses it may incur if Barrower does not repay the Loan as agreed. Barrov�rer�s not a par�y to the Mortgage Insurance. Mortgage�nsur�rs ��alua�e their�otal r�sk�n a�� such insurance�n farce from�ime�o�ime, and may ent�r �n��agreements with other par�ies �hat shar�or modify�heir risk, or reduce losses. These a�reements are on terms and condi�ions that are�atisfactory�o�he mortgage insurer and�he other party �or par�ies} ��hese agreements. These agreements may requ�re the mor�gage insurer�a make payments using an�s�urce af funds tha�the mor�gage insurer may ha�e availab�e�wh�ch may inciude fun�.s o��a�ne�from M�rtgage�nsurance premiums�. As a resul��f these agreements, Lender, any purchaser of�he Nate, ano�her insurer, any r��nsurer, any o�her en�ity, or any affil�ate of any of the foregoing, may r�c�ive�dire��ly or ind�rec�l�} amounts tha�derive from ��r might be character��ed as} a por�ion of Borrower's payments for Mflr�gage Insurance, in exchange for shar�ng or modifying the mor�gage insurer's r�sk, or reducing losses. �f such agreemen�pro��d�s�hat an affi�iate of I.�nder takes a share of the insurer's risk�n exGhange for a share of�he pren-�iums paid to the insurer, �he arrangement �s often term�d "capt��e reinsurance." Further: �a� Any such agreemen�s will no�affect the amaun�s tha�Borro�er ha�agreed�o pay for 1V�or�gage Insurance, or any other terms of the Loan, Such agreem�n�s wil�not increase the amount B�rrower wi�l owe far IVlor�gage Insurance, and they wi�I no� en�itle Borrower ta any refund. ��} Any such agr��m�en�s w�ll no�affe��the righ�s Borrawer has�-if any �w��h respect�o the �Vlar�gage Insurance under the�3on�eowners Pro�ection Act of 1998 or any o�her�aw. These righ�s may inc�ude�he r�ght �o recei�e certain disc�osures, to request and vbtain cancelia�ion of�he Mor�gage Insurance, to have the Mor�gage Insurance�ermina�ed automa�ically, andlor tv r�ce��e a refund�f any Mortgage Insurance pr�m�ums�hat were unearned at the time vf such cancellation or termina�ion. '!7, Ass�gnment of Misce��anevus Proceeds; Farfe�ture. AI� Miscel�an�ous Praceeds are hereby a�signed to and sha��be pa�d�o L.�nder. �f the Proper�y is darnaged, such M�sce��aneaus Proceeds shal�be app�ied ta res�ora��on or repair of the Proper��, �f t�e res�ora�i�n or repair is economi�a�� f�asible and I.ender's security�s nat lessened. Dur��g such repa�r and r�stora�i�n period, Lend�r sha��have th�righ�t�hold such M�sc��ianeous Proce�ds un��1 Lender has had an opportun�t��o inspec�such Praperty�o ensur�the w�rk has been cample��d�o L�nder's NESRASKA-5ingte�amily-Fanr�ie Mael�recidie Mac UNt��RM INSTRUMENT �orm 3Q28 11�1 VMP Q VMPfitN�){73D�f Wolters K[uw�r Financial 5er�ices Page 9 of 17