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2� 1 ��3�21 derive from�or might be character�zed as}a porti�n af Borrawer's payments for Mortgage Insurance, �n exchange for sharing or modifying the martgage insurer's risk, ar reducing�osses.If such agreement provides that an aff��iate of Lender takes a share af the insurer's r�sk in exchange for a share of�he premiums paid to the insurer,the arrangement is�ften termed "capti�e reinsurance." Further: (A}Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance,or any ather terms of the L�an. Such agrQements will not increase the amount Borrower will owe for Mortgage Insurance,and they will not entitle B�rrower to any refund. �Bj Any such agreements wi��not affect th� rights Barrawer has-�f any-with respect ta the M�rtgage Insurance under the Hameowners Prot�Ctian Act of 1998 ar aay other law.These rights may include the right to r�ceive certain disclo�ures�to request and obtain cancellation of the Mortgage Insurance,to ha�e the Mortgage Insurance terminated automatically,andlor to receiv�a r�fund af any Mortgage Insuranc�premiurns that were unearned at thQ time of such cancellatian ar termination. 'I'I. Assignm�nt af Mis�ellaneous Proce�ds; F�rfeitur�. A��Miscel�ane�us Pro�eeds are hereby ass�gned to and shall be paid to Lender. If th�ProperCy is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Pr�perty, if the restoration or repair is economi�ally feasible and Lender's security is n�t lessened. During such repair and restoration period,Lender shall have the right to hold such Miscellane�us Proceeds unti�Lender has had an opportunity to inspect such Property ta ensure the work has been campleted to Lender's satisfac�i�n,provided that such inspectian shal�be under�aken promptly. Lender may pay for the repairs and rest�ration in a sing�e disbursement or in a series of pragress payments as the work is c�mpleted. Unless an agreernent is made in writing or App�icable Law requires interest to be pa�d on such Miscellaneous Proceeds,Lender sha��not be required to pay Borrow�r any interest or earn�ngs on such Miscellaneaus Proceeds. If the restoration or repair is not ec�nomically feasible ar Lender's secur�ty vv�uld be less�ned,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,whether or n�t then due,with the excess, if any, paid to Borrower. Su�h Miscellane�us Proceeds shall be applied in the order provided far in Section 2. In the event of a total taking, destruction, or loss in�a1ue of th�Property,the Misc�ilaneaus Proceeds shall be applied to th�sums secured by this Security Instrument,whether or not th�n due,with the �XC�55, if any,paid to Borrower. In the e�ent of a partial taking,destruCti�n, or loss �n vaiue of the Property�n�vhich the fair market �alue of the Property immediately bef�re the partial taking, destruction, or loss in�a�ue is equal to or greater than the amount of the sums secured by this Security Instrumen�immediately bef�re the partia�ta.king, destruction, or loss in value, unless Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multip�ied by the following fraction: �a}the total amaunt of the sums secured immediately before the partial taking, destruction, or loss in va�ue divided by�b�the fair market value of the Property immed�ately before the partial taking, destruction, or toss in�alue. Any balance shall be paid to Borrower. HCFG-0�359 NEBRASKA-Sing�e Family-Fannie MaelFreddEe Mac 11NiF�RM INSTRIJMENT Form 3�Z8 1141 VAIIP� "I 0115 Walters Kluwer Financial 5ervices 201fi�5�4�5.3.2.3509-J2�15�030Y Page�0 of 17 *792 9771 1 *