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2� 1 ��3432 der�ve from�or rnight be characterized as)a portion vf Bvrrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk,or reducing losses. If such agreement pro��des that an affiliate of Lender takes a share�f the insurer's risk in e�change for a share of the prem�ums paid to�he insurer,the arrangem�nt is often�ermed"captive reinsurance."Further: tA}Any su�h agreements will not aff�ct the amounts that B�rr�wer has agreed to pay for Mortgage Insurance,or any ather terms of the Loan.Such agreements will not increase the amount Borrower will owe fvr Mortgage InSuraace,and they will not entit�e B�rrower to any refund. (B}Any such agreements will nat affect the rights Borrawer has-if any-with respect to the Mortgage In�urance uader the Homeowners Pratection Act of 1998 or any other law.These rights may include the right to recei�e certain disclo5ures,to request and obtain cancellation of the Mortgage Insurance,to ha�e the Mortgage Insurance terminated automatically,an�lvr to recei�e a refund of any Mortgage Insurance premiums that were unearned at the time vf such cancellation or termination. �I'I.Assignment of M�sc�llaneous Pro�eeds; Farfeiture.All Miscellaneous Proceeds are hereby assigned to and sha11 be paid to Len�er. If the Property is damaged,such M�sce�lane�us Prviceeds sha�l be applied to restoration or repa�r of the Property,if the restvration or repair is econ�mically feasible and Lender's security is no�lessened. During such repair and restoration period,Lender sha11 have the right to hold such Miscellaneous Proceeds until Lender has had an opportun�ty to inspect such Property�to ensure the work has been c�rnpleted tv Lend�r's satisfaction,pr��ided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restorati�n in a single disbursement or in a series of progress paymen�s as the work is completed.Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds,Lender shall nvt be required to pay Barrower any interest or earnings on such Miscellaneous Pr�ceeds.If the restorativn ar repair is not ecvnomical�y feasible or Lender's security w�u1d be lessened,the Misce�laneous Proceeds shal�be applied to the sums secured by this Secur�ty Instrument,whether or not then due,with the excess,if any,pa�d ta Bvrr�wer. Such Miscellanevus Proceeds shall be applied�n the�rder provided for in Section 2. In the even�of a total taking,destruc��n,or loss in valu��f the Property,the Miscellaneous Pr�ceeds shall be applied to�he sums secured by this Securi�y Instrument,whether or nvt then due,vvith the excess,if any,paid�o Borrower. In�the�vent of a partial taking,destruction,or loss in valu�of the Property in which the fair market �alue of the Property immediate�y before the partial tak�ng,destructi�n,or l�ss in value is equal to or greater than the amount of�he sums secured by�his Security Instrument immediately before the partial taking,destruction,vr�oss in value,unless Bvrrower and Lender vtherwise agree in writing, the sums secured by this Securifiy Ins�rument sha11 be reduced by the amount of the Misc�llane�us Proceeds multiplied by the follvwing fraction: �a}the total amount of the sums secured immediately befvre the partial taking,destruc�ion,or loss in�a��e d�vided by�b}the fair market�a1u�of the Property immedia�ely before the partial taking,des�ruction,or loss in value.Any balance sha11 be paid to Borr�w�r. HCFCrD�359 NEBRASKA-5ingle Famdy-Fanrne MaelFreddie Mac UNtFDRM INSTRUMENT Fvrm 3Q28 11�1 VMP� 10115 Wvlters Kluw�r Financial 5er►nces 2016D5f 815 3 2 35fl9-JZ0151�30Y Page 1 D of 17 * � . �