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202500253
<br />Items, unless Applicable Law permits Seller to make such a charge. Unless an agreement is made in writing or
<br />Applicable Law requires interest to be paid on the Funds, Seller shall not be required to pay Buyer any interest or
<br />earnings on the Funds. Seller shall give to Buyer, without charge, an annual accounting of the Funds as required by
<br />RESPA.
<br />If there is a surplus of Funds held in escrow, as defined under RESPA, Seller shall account to Buyer for the
<br />excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow, as defined under RESPA,
<br />Seller shall notify Buyer as required by RESPA, and Buyer shall pay to Seller the amount necessary to make up the
<br />shortage in accordance with RESPA, but in no more than 12 monthly payments. If there is a deficiency of Funds
<br />held in escrow, as defined under RESPA, Seller shall notify Buyer as required by RESPA, and Buyer shall pay to
<br />Seller the amount necessary to make up the deficiency in accordance with RESPA, but in no more than 12 monthly
<br />payments.
<br />Upon payment in full of all sums secured by this Security Instrument, Seller shall promptly refund to Buyer
<br />any Funds held by Seller.
<br />4. Charges; Liens. Buyer shall pay all taxes, assessments, charges, fines, and impositions attributable to
<br />the Property which can attain priority over this Security Instrument, leasehold payments or ground rents on the
<br />Property, if any, and Community Association Dues, Fees, and Assessments, if any. To the extent that these items are
<br />Escrow Items, Buyer shall pay them in the manner provided in Section 3.
<br />Buyer shall promptly discharge any lien which has priority over this Security Instrument unless Buyer: (a)
<br />agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Seller, but only so
<br />long as Buyer is performing such agreement; (b) contests the lien in good faith by, or defends against enforcement
<br />of the lien in, legal proceedings which in Seller's opinion operate to prevent the enforcement of the lien while those
<br />proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an
<br />agreement satisfactory to Seller subordinating the lien to this Security Instrument. If Seller determines that any part
<br />of the Property is subject to a lien which can attain priority over this Security Instrument, Seller may give Buyer a
<br />notice identifying the lien. Within 10 days of the date on which that notice is given, Buyer shall satisfy the lien or
<br />take one or more of the actions set forth above in this Section 4.
<br />Seller may require Buyer to pay a one-time charge for a real estate tax verification and/or reporting service
<br />used by Seller in connection with this Murabaha Debt.
<br />5. Property Insurance. Buyer shall keep the improvements now existing or hereafter erected on the
<br />Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards
<br />including, but not limited to, earthquakes and floods, for which Seller requires insurance. This insurance shall be
<br />maintained in the amounts (including deductible levels) and for the periods that Seller requires. What Seller requires
<br />pursuant to the preceding sentences can change during the term of the Murabaha Debt repayment. The insurance
<br />carrier providing the insurance shall be chosen by Buyer subject to Seller's right to disapprove Buyer's choice,
<br />which right shall not be exercised unreasonably. Seller may require Buyer to pay, in connection with this Murabaha
<br />Debt, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) a one-time
<br />charge for flood zone determination and certification services and subsequent charges each time remappings or
<br />similar changes occur which reasonably might affect such determination or certification. Buyer shall also be
<br />responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with
<br />the review of any flood zone determination resulting from an objection by Buyer.
<br />If Buyer fails to maintain any of the coverages described above, Seller may obtain insurance coverage, at
<br />Seller's option and Buyer's expense. Seller is under no obligation to purchase any particular type or amount of
<br />coverage. Therefore, such coverage shall cover Seller, but might or might not protect Buyer, Buyer's equity in the
<br />Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser
<br />coverage than was previously in effect. Buyer acknowledges that the cost of the insurance coverage so obtained
<br />might significantly exceed the cost of insurance that Buyer could have obtained. Any amounts disbursed by Seller
<br />under this Section 5 shall become additional debt of Buyer secured by this Security Instrument plus any processing
<br />and administrative costs, and shall be payable upon notice from Seller to Buyer requesting payment.
<br />All insurance policies required by Seller and renewals of such policies shall be subject to Seller's right to
<br />disapprove such policies, shall include a standard mortgage clause, and shall name Seller as mortgagee and/or as an
<br />additional loss payee and Buyer further agrees to generally assign rights to insurance proceeds to the holder of the
<br />Note up to the amount of the outstanding Murabaha Debt. Seller shall have the right to hold the policies and renewal
<br />certificates. If Seller requires, Buyer shall promptly give to Seller all receipts of paid premiums and renewal notices.
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