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200412049 <br />risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of <br />the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is <br />often termed "captive reinsurance." Further: <br />(A) Any such agreements will not affect the amounts that Borrower has agreed to pay for <br />Mortgage Insurance, or any other terms of the Loan. Such agreements will not <br />increase the amount Borrower will owe for Mortgage Insurance, and they will not <br />entitle Borrower to any refund. <br />(B) Any such agreements will not affect the rights Borrower has - if any - with respect to <br />the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other <br />law. These rights may include the right to receive certain disclosures, to request and <br />obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance <br />terminated automatically, and/or to receive a refund of any Mortgage Insurance <br />premiums that were unearned at the time of such cancellation or termination. <br />229781 <br />Initials: <br />•11 R (0004) Page 2 of 3 Form 3160 4100 <br />if <br />