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2� 1 ��445� continue to pay �o L�nder the amoun�af the separately designa��d pa�ments tha�were due�vhen�he insurance co�erage ceased ta�be in effect. Lender vvi�l acc�pt, use and retain these payments as a non-r�fundable�oss reserve in lieu of Mortgage Insurance. Such�oss reser�e shal� b�nan-refundable, n��withstanding the fact tha��he Loan is u�tirna�e��pa�d in ful�, and Lend�r shal� n��be required�o pay Bflrrower any �nt�rest or earnings on su�h �oss r�ser�e. Lender can no longer r�qu�re�oss reserve pa}�ments if Mor�gage Insurance co�erage�in�he amount an�i for th�period that Lender requ�res} pro�ided�y an insurer se�ected by Lender aga�n be�omes available, is�b�ained, and Lend�r requires s�parately d�signa�ed paym�n�s�award�h�pr�rn.�ums for Martgage Insuran��. If L.ender required Mor�gage�nsurance as a condition�f makin�the Laan and Borrov�►�er v�as requ�red to make s�para�e��designa�ed pa}�ments toward the premiums for Mor�gage Insurance, Borrower shall pa�the premi.ums required t� main�ain Mortgag� �nsurance in effect, or�o prov�de a nan--refixndable�oss reserve, unt�l Lender's requ�rement f�r M�r�gage Insurance ends in accardanc�v�ith any wri��en agr�ment be�vveen Borr�v�aer and L�nder providing for suc�. termina�zan or until�erm�nat��n�s required by App�x�ab�e Law. Nothin� in th�s SectiQn �� affe��s Borrower's obligat�an to pay interes�at�he ra�e pro�ided in�he Note. �Vl�r�gage�nsurar��e reim�burses �ender�or an�en��y�hat purc�ases��e�o�e} �or cer�ain�asses i�may in�ur �f Borrower does na�repa�th� Loan as agreed. ��rrower�s no�a par�y�o�he Mortgage Insurance. Martgage in�urers e�alua�e their total risk on a�l such �nsurance in force from��me�o��ne, and may en�er in�o agreements vvi�h other par�ies that share or m�dify the�r risk, or reduCe l�sses. These agreemen�s are on �erms and condit�ons tha�are sa��sfac�ory to the mortgage�nsurer and the��her par�y �or parti�s} to�hese agre�men�s. These agreem�n�s rx�a� r�qu�re the m�r�gage in�urer t�make paymen�s us�n� any source af funds �ha�the mor�gage insurer may ha�e avai�a��e�wh�ch m.ay inc�ude fund�obtained from N�or�gage�nsurance premiums}. As a resu��of�hese agr�ements, Lender, an�purchaser of the Nate, ano�her�nsurer, any reinsurer, any other enti��, �r any affil�at�of an�of the for�go�ng, nza�rece�ve�directiy�r indirectl�} amounts �ha�der�ve from �or migh�be characterized as} a par�ion of Borrower's pa��ments for N�or�gage�nsurance, in exchange for shar�ng or mod�fying the mortgage insurer's r�sk, or reduc�ng losses. �f such agreem�n�pro�rides�hat an af�iia�e af Lender tak�s a share of the insurer's ris�in exchange for a share of the prem�um.s pa�d to�he �nsurer, the arrangement is often termed "�apti��reinsurance." Fur�her: �a� Any such agreements w�ll not affect the amoun�s tha��orrower has agr�ed to pay for Mor�gage Insurance, or any vther terrn�s of the Loan. Such agre�ments will not increase#he am�oun� S�rr�wer wi�l ow�for Mortgage Insurance, and the� w�Il not en�i�ie Borrawer to any refund. �b� Any su�h agreemen�s w��not affec�the rights Borrower has�if any�-wifih respecf ��he Mvrtgage Insurance under�he I3omeovvners Pro�ec�i�n Act of 1998 or any other�aw. These r�gh�s may�nclude�he righ�to receive�er�ain disc�osures, to request and v��ain cancella�ian of the Mor�gag�Insurance, to ha��he Nlor�gage Insurance term�nated automa�ica�ly, andlor�v receive a refund of any N�ortgage InSurance premiums�hat were unearned at�he��me vf such cance��a�ion or�ermina�ian. '1'�. Ass�gnment af Misc��an�ous Praceeds; Fvrfeiture. Ail Misc��a�a.eous Pr�ce�ds are hereb� assigned t� and shali be paid�a L.ender. �f the Prop�r�� is da�nag�d, such M�sce��aneous Proceeds shal� be applied�o restora�ian Qr repair af the Pro�er�y, �f the res�ora�ion or r�pair is ec�nam�cal�y feasibl�and L.�nder's s�cur�ty �s not �es�ened. Dur�ng such repair and res�orat�on p�riod, Lender shall ha��th�r�gh�to ho�d such Miscellan�ous Proceeds until Lend�r has had an oppor�unity to inspe�t such Proper��o �nsur��he vvark has been comp�eted to Lend�r's N�BRASKA-Sing�e Farr-�ify-�annie MaelFreddie Mac UNIF�RM iNSTRUMENT Fvrm 3Q28 1l0� VMP� VMPfi[NE}{13Q�� Wolters Kluwer�inancial 5er�ices Page 9 of 17