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2oioosos5 amaunt and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is o6tained, and Lender requires separately designated payments toward the premiurns for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the I.,oan and Borrower was required to make separately designated payrnents toward the premiums far Martgage Insurance, Borrower shall pay the prerniums required to maintain Mortgage Insurance in effect, or to provide a non-refundable lass reserve, until the Lender's requirement for Mortgage Insurance ends in accordance with any written agreernent between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Secdon 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mort�age Insurance. Mortgage insurers evaluate their total risk on all such insurance in force fram tirne ta time, and may enter inta agreernents with other parties that share or modify their risk, ar reduce losses. These agreements are on tcrms and conditions that are satisfactory to the mortgage insurer and the other party (ar parties) ko these agreements. These agreements may require the rnortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Tnsurance premiums). As a result of these agreements, Lendear, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirecdy) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange far sharing or rnodifying the mortgage insurer's risk, or reducing losses. lf such agreernent provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiurns paid to the insurer, the arran�crnent is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amaunt Borrower will owe fa� Mortgage Insurance, and they will not entitle Borrower to any refund. (b) At�y such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 ar any other law. These riglits may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insuranca terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such canc�llation or termination. 11. Assi�ment of MiscellanBOUS Prceeeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. NE$RA,SKA — Single Pamily--FannieMadFraddieM�aUNIFORM INSTAUMENT Farm 3D28 1/Ol (3CC-(i3028-10 (09/Ol) (Page 10 of/9) Initials: