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2U�1U4759 If this Security Instrument is on a leasehold, Borrower sha11 comply with all tlxe provisions of the lease, If Borrower acquires fee title to the Property, the leasehold and the fee title shall nat merge unless Lender a.grees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a candition of making the Loan, Borrower sha11 pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance �.nd Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is nat available, Borrower sha.11 continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effec� Lender will accept, use and retain these payments as a non-refun.dable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be nan-refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Lender can no longer require loss resezve payments if Mortgage Insura.nce coverage (in the amount and for the period that Lender reyuires) provided by an insurer selected by Lender again becomes availa.ble, is obtained, and Lender rec�uires 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, Borrower sha11 pay the premiums required to maintain Mortgage Insurance 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 a.nd Lender providing for such termination or until termination is zequired by Applicable Law. Nothing in this Section 10 affects Bortower`s obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) far certain losses it may incur if Borrower does not repay the Laan as agreed. Bonower is not a pariy to the Mortgage Insurance. Mortgage insurers evaluate their tota.l risk on a11 such insurance in force from time to time, and may enter into agreements with other parties that sha.re or madify their risk, or reduce losses. These agreements are on terms and conditions tha.t 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 ha.ve available (which may include funds obtained. from Mortgage Insurance premiums). As a result of these agreements, Lender, any purchaser of the Note, another insurer, any reinsurer, any ather entity, ar any a.ffiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be chara.cteriz� as) aportion of Barrower's payment� for Martgage Insurance, in excha.nge for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an a,f�liate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "cap�ive reinsurance." Further: (A) Any such agreements will not affect the amownts that Borrower has agrced to pay for Mortgage Inaur�nce, or any other terms of the Loan. Such agreements will not incre�se the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (B) Any such �greements will not affect the rights Borrower has - if any - with respect to the Mortgage Insuranee under the Homeowners Protection Act of 1998 or any other law These rights may include the right to receive certain disclosnres, to reqaest and obtain cancell�tion of the Mortgage Insurance, to have the Mortgage Ingurance terminated sutamatically, and/or to receive a refnnd of any Mortgage Insurance premiums that were unearned at the time of such c�ncell�tion or termination. 11. Assignment of Miscellaneous Proceeds; ForFeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. HCFC-00359 NEBRASKASingla Femily-Fannie MaetFreddie Mac UNIFORM INSTRUMENT FoRn 30281l01 VMPB Wokeia Kluwer Finencial Servit�s 2�1108174.O.p.0.4402-J2011D224Y Pege T oi 13 1