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201i00n�� retain these payments as a non-rafundable loss reserve in lieu af Mortgage Insuxance. Such loss reserve shall bc non- refundable, notwithstanding the fact that the Loan is ultimately paid in full, and T,ender shall not be i•eqrrired to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss reserve payments af Mortgage Insutance coverage (in the amou�t and for the period that Lender xequues) provided by an insurex selecCed by Lender again becomes available, is obtained, and Lender requires separately designated payrnents toward the premiums fox Mortgage Insurance. If I..ender required Mortgage Insurance as a condition of zzaakzng the Loan and T3orrower was required to make separately designated payrtzents toward the premiums faz Mortgage Insiarance, Bonower shall pay the pxemiurns required to rnaintain Mortgage Tnsurance in effect, or to provide a noxa-xefundable loss resezve, until Lendex's requirernent for Mortgage Insurance ends in accoxdaz�ce with any written agreement between Borrower and Lendar providing for such termination qr until ternunation is required by Applicahle I,aw. Nothing in this Section 10 affects Borrower's obligation to pay interest at the ratc provided in the Note. Mortgage Insurance reimburses Lender (or a;�y entzty that purchases the Note) for certain losses it may inctu if Bon•ower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Moxtgage insurers evaluate their total zisk on all such insurance in force from time to time, and may ente;r into agreements with othez 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. T'hesa agreexnents may require the mortgage i,nsurer to make payments using any source of funds that the mortgage insurer rnay have available (which may include fixnds obtained frann Mortgage Insurance premiums). As a result of these agreetnents, Lender, any put�chaser of the Nqte, anothet insurer, any reinsurer, any othet entity, or any affiliate of any of the foregning, may receive (directly or indirectly) amounts that derive from (or naight be characterized as) a portion of Bozx'ower's payments fox Mortgage Insurance, in exckxarage for sharing or modifyang the martgage insurer's risk, or reducing losses. If sucli agreement provzdes that an affiliate pf Lender takes a slaare of the insurer's risk in exchange for a share of the premiums paid to the insurer, the axrangennent is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the announts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Lvan. Such Agrcements will not increase the smount �orrower will owe for Mortgage Insurance, and they will not entitle Borrawer to aa�y refund. (b) Any such agreements will not aff�ct the rights Borrower has — if any — with respect to tl�e Mortgage Insurance under the Humeown�ers Protectian Act of 1498 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellatiun of the Mortgage Insurance, to havc tl�e Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Ynsurance precniums that were unearned at the ti�ne of such cancellation or termi�aation. 11. Assign�nent of M9scellaneous �'roceeds; k'orCeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lendez. If the Property is damaged, such Miscellancous Proceeds shall he applied to restoration ar repair of the Prope�y, if thc restoratian or repair is econornically feasible and Lender's secuxity is not lessened. During sucl�. repair and restoration period, I,.ender shalI have the zight to hold such Miscellaneous Proceeds until I,ender has had an npportunity to inspect such Praperty to ensure the work has been completed to Lender's satisfaction, ptovided that such inspection shall be undertaken proznptly. Lender may pay for the rcpairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreernent is znade in writing or Applicable La�v requires interest to be paid on such Miscellaneous Frpceeds, Lender shall not be required to pay Borrqwer any interest or eax'nings on such Miscellaneous Proceeds. 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 Tnstrument, whether or noC then due, with the excess, if any, paid ta Sorz'ower. Such Miscellaneous Proceeds shall be applied in the ordez provided for in Section 2. In the event of a total taking, deshucti.on, nr loss in value of the �:roperty, the Miscellaneous Proceeds shall be appl'zed to the sums secured hy this Security Instrurnent, whethez or not then due, with the excess, if any, paid co Bvrrower. NEBTZASKA--Single Family--Fannie Mae/Fx'eddie Mac UNIFpRI� INSTRTJMENT Form 3028 1l01 (page 8 of I�F pqges) Ci V2023.HP I IIII�I II��I �I�II I�III IIII� II'II IIIII I�III ��III �IIII I'll �I�IIII III �II�IA IIIII I�III II'II IIII I'�I a� ti o 1 2 9 0 o a� � v��