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2olooss5s pay Borrower any interest or earnings on such loss reserve. I.ender can no longer require loss reserve payments if Ivlortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. if Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, �3orrower shall pay the premiums required to maintain Mort�age Insurancc in effect, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Sectiai 10 aFfects �3orrower's obligation to pay interest at the rate provided in the Note. Mortga�e Insurance reimburses Lender (or any entity that purchases the Note) for certain Ipsses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to th� Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage lnsurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, ar any affiliate of any of the foregoing, may receive (directly or indirectly) amaunts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharin� or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange foc a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any sueh agreements will not affeet the amounts that Borrower has agreed to pay for Mortgage Insurance, or any othcr terms pf thc Loan. Such agreements will not increase the amoant Borrower will owe for Mortgage lnsuranee, and they will not entitle Borrower to any refund. (b) Any such agreemcnts will not affect the rights Sorrower has - if any - with respect to the Mortgage lnsurance under the llomeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclqsures, to request and obtain cancellation of the Mprtgage Insurance, to have the Mortgage Insurance terminated automatic�lly, and/or to receive a refund of any MortgAge Insurance �remiums that were unearned at the time o1'such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applicd to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hotd such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertakcn promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shall not be required tp pay Borrower any interest or earnings on such Miscellaneous Praceeds. If the restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security lnstrument, whether or not then due, with the excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided far in Section 2. ln the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be applied to the sums secured by this Security lnstrument, whether or not then due, with the excess, if any, paid to Borrower. NEBRASKA-Single F'amily-Fxnnie Mae/F'reddie MNC IJNIFQRM INS'I'RUMF;N'1' Form 3028 1/0 G(NE) (U81 1) Page A of 15 Initials: