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2� 1 ��45�� der�ve from�ar m ight be characterized as}a portian of Barrower's payments for M�rtgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk,or reductng losses. If such agreemer�t pra�ides that an aff�liate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid ta the insurer,the arrangement is often termed "capti�e reinsurarice." Further: �A�Any such agreements wil�not affect the amounts that Barrower has agreed to pay fvr Mortgage Insurance,ar any other terms of the Loan.Such agr�eements w��l not increase the amount Borrower wil!owe for Martgage Insurance,and they wiu not entitle Borrower to any reFund. (B)Any such agreements will not affect the rights Borrower has-if any-with respect to th� Mor#gage Insurance under the Homeowners Protection A�t of 1995 ar aay other law.These rights may in�lude the r�ght to re�eive certain dis�iosures,to request and obtain canceliation of the Mortgage Insurances to ha�e the Mortgage Insuranee terminated automatically,andlor to rece�ve a refund of any Mortgage Insuraac�prem�ums that were unearned at the time of such cancellation or termiaatian. ��. Assignment of Miscellaneous Prac�eds; F�rfeiture. A1�Miscellaneous Praceeds are hereby assigned to ar�d shall be paid to L�nder. If the Property is damaged, such Misce�laneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's se�urity is not Iessened. During su�h repair and re�toration period,Lender shall ha�e the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to �nspect su�h Property to er►sure the work has been comp�eted to Lender's sat�sfaction,pro�ided that such�nspection shall be under�aken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series af pragress payments as the work is completed. Unless an agreement is made in writing or App�icable Law requires interest to be paid an such Miscellaneous Proceeds,Lender shal�not be required to pay Borrower any interest ar earnings on such Miscetlaneous Proceeds.If the re�toration or repa�r is not econamically feasib�e or Lender's secur�ty vvould be Iessened,the M�scellaneous Proceeds shall be app�ied to the sums secured by this Security Instrument,whether or not then due,with the excess, if any,paid to Borrower, Such Miscellaneous Proceeds shall be applied in the order provided for�n Section�. In the event of a tatal taking,destruction,or loss in �alue of the Property,the Miscellaneous Proceeds shall be applied to the sums secured by this Secur�ty Instrument,whether or not then due,with the excess, if any,pa�d to Borrower, In the e�ent of a pa.rtial taking,destruction,or loss in vaiue of th�Property�n which the fair market �alue of the Prop�rty immediateiy before the partial taking,destruction,or toss in ualue�s�qual to or greater thar►the amaunt af the sums secured by this Security Instrument immediate�y befare the partial taking,destruction,or loss in�alue, un less Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced t�y the amount of the Miscellaneous Proceeds mu�tipl�ed by the follow�ng fraction: (a}the total am�unt of the sums secured immediately before the partial taking,destructian,or loss in�a�ue d��ided�y�b}the fa�r market�alue of the Property immediate�y before the partial taking,destruction,or loss in�alue.Any balance shall be paid to Borrower. HCFG-0�359 NEBRASKA-5ingle Family-Fannie MaelFreddie Mac UN�FQRM INSTRUMENT Form 302811�1 VMP� 11115 Whtters Kluwer Finan�ial Servi�es 20960fi3015.3.2.3509-J201 fi412�Y Page 1�of 1? � R