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2� 1 ��5722 provides that an af�iliate of Lender takes a share of the insurer's risk in ex�hange for a share of the premiums paid ta the insurer,the arrangement is often termed"capti�e reinsurance."Further: [A)Any such agreements w�11 not aff'ect the amaunts that Borravwer has agr�ed to pay far Mortgage Insuran.ce,ar any other term�of the Loan.Such agreements wili not increase the amouat Borrower will owe for Mortgage Insurance,and they will aot ent�tle Bor�awer to any refund. �B}Any such agr�eements w�ll aot affect the rights Borrower has-if any-with respect to the Mortgage Insurance under th�Homeowners Pr,atection Act of 1998 or any other law.Th�se rights may�nclude the right to rece��e certain disclasures,ta request and obtain cancellation of the Mortgage Insurance,to ha�e the Mortgage Iasuraace terminated autamatically,andlor to recei�e a refund of aay Mortgage Insuran�e premiums that were unearned at the time of such cancellation or termiaati�n. 1'I. Assignment of M�scel�aneous Pro�eeds; Forfeiture. All Miscellaneous Proceeds are herehy assigned to and shall be paid to Lender. If the Property is damaged,such Mis�ellane�us Proceeds shal�be applied to restaration or repa�r of the Property, if the restaration or repair is e�onomically feasible and Lender's seGurity is not lessened. During such repair ar►d restoration period, Lender s�all have the right ta hoid such Miscellaneous Proceeds until Lender has ha.d an opportunity to inspe�t such Property to ensure the work has been com leted to Lender's satisfaction,pro�ided that su�h inspe�tion shall be undertalcen promptly.Lender P may pay for the repairs and restoration in a single disbursement or in a series of progress payments a.s the work is campl�ted,Unless an agreement is made in writing�r Applicable Law requires intere�t to be paid on such M�sce��ar►eous Proceeds,Lender shall not be required to pay Borrower any interest or earnin s on su�h Miscel�aneaus Proceeds. If the restorat�on or repair is not economical�y feasible or � Lender�s security wau�d be lessened,the Miscel�aneous Proceeds shall be applied to the sums secured b this Se�urity Instrument,whether or not then due,with the excess, if any,paid to Borrower. Such Y Miscellaneous Proceeds shall be app lied in the order pro�ided for in Section 2. In the e�ent of a tota�takin�,destruction,or loss �n value of the Property,the M isce llaneaus Proceeds sha�l be a lied to the sums secured by this Security Instrument,whether or not then due,with the Pp excess, if any,paid to Borrower. In the e�ent of a partial taking,destruction,or loss in�alue of the Property in which the fair market �alue of the Property immediately before the partial taking,destruction,or l�ss in�alue is equal to or reater than the amount�f the sums secured by this Securit�rnstrument immediate�y before the �• • ' ' wer and Lender atherwise a ree in wr�tin , partial taking,destruction,or loss in�aiue,unless Borro g � the sums secured by this Security tn5trument shali be redu�ed by the amount of the Miscel taneaus Proceeds muitiplied by the followirtg fra�t�on: [a)the tota.[amvunt of the sums secur�d immed�ate�y hefore the partia�takir�g,destructivn,or�oss i n�a�ue div ided by(b�the fair market�alue of the Pra e immediately before the partial tak�ng,destructian,or loss in�alue.Any balance shall be paid p �Y to Borrower. In the e�ent of a partial taking,destruction,or loss in�aiue of the Property in which the fair market �alue of the Property immediately before the partia�taking,destructian,or loss�n�alue is �ess than the HCFG-04359 NEBRASKA-5ingle Family-Fannie MaelFreddie Ma�L]N1F�RM lNSTRUMENT Fam 3�2811�1 D411 fi Vl�IIP� 1Mofters Kluwer Financial 5ervices 2�16482315.3.2.35�9-d2�1fi[}426Y Page 1❑af 17 . *