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------------- -. 201108846 � 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 i 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 not available,Bonower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect.Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-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 reserve payments if Mortgage Insurance coverage(in the amount and for the period that Lender requires)provided by an insurer selected by Lender again becomes available,is obtaineci, and Lender requires separately designated payments toward the premiums for Mortgage Insurance.If Lender required Morkgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,Borrower shall pay the premiums required to maintain Martgage 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 and Lender providing for such termination or until termination is required 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)for cettain losses it may incur if Borrower does not repay the Loan as agreed.Borrower is not a party to the 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 axe satisfactory to the mortgage insurer and the other pariy(or parties)to these agreements.These agreements may require the mortgage insurer to make payment�s using any source of funds that the mortgage insurer may have 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 other enrity,or any affiliate of any of the foregoing,may receive(directly or indirectly)amounts that derive from(or might be characterized as)a portion of Bonower's payments for Mortgage Insurance,in exchange for sharing 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 for a shate of the premiums paid to the insurer,the arrangement 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. 5uch agreements will not incrcase the amoant Borrower will owe far Mortgage Insurance, and they will not entitle Borrawer to any refund. (B) Any such agreements will nat affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeownera Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automaticatly, and/or HCFG-00359 � NEBRASKA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3628 1(Ot VMP� 08lit Walters Kluwer Financial Services � 201117154.0.0.0.4002-J20110824Y Paga 9 of 17 '7901 1 6' � �