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202500253
<br />(a) Any such agreements will not affect the amounts that Buyer has agreed to pay for Mortgage
<br />Insurance, or any other terms of the Murabaha Debt. Such agreements will not increase the amount Buyer
<br />will owe for Mortgage Insurance, and they will not entitle Buyer to any refund.
<br />(b) Any such agreements will not affect the rights Buyer has — if any — with respect to the Mortgage
<br />Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right
<br />to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the
<br />Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance
<br />premiums that were unearned at the time of such cancellation or termination.
<br />11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned
<br />to and shall be paid to Seller.
<br />If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the
<br />Property, if the restoration or repair is economically feasible and Seller's security is not lessened. During such repair
<br />and restoration period, Seller shall have the right to hold such Miscellaneous Proceeds until Seller has had an
<br />opportunity to inspect such Property to ensure the work has been completed to Seller's satisfaction, provided that
<br />such inspection shall be undertaken promptly. Seller may pay for the repairs and restoration in a single disbursement
<br />or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable
<br />Law requires interest to be paid on such Miscellaneous Proceeds, Seller shall not be required to pay Buyer any
<br />interest or earnings on such Miscellaneous Proceeds. If the restoration or repair is not economically feasible or
<br />Seller's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this
<br />Security Instrument, whether or not then due, with the excess, if any, paid to Buyer. Such Miscellaneous Proceeds
<br />shall be applied in the order provided for in Section 2.
<br />In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall
<br />be applied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to
<br />Buyer.
<br />In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of
<br />the Property immediately before the partial taking, destruction, or loss in value is equal to or greater than the amount
<br />of the sums secured by this Security Instrument immediately before the partial taking, destruction, or loss in value,
<br />unless Buyer and Seller otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by
<br />the amount of the Miscellaneous Proceeds multiplied by the following fraction: (a) the total amount of the sums
<br />secured immediately before the partial taking, destruction, or loss in value divided by (b) the fair market value of the
<br />Property immediately before the partial taking, destruction, or loss in value. Any balance shall be paid to Buyer.
<br />In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of
<br />the Property immediately before the partial taking, destruction, or loss in value is less than the amount of the sums
<br />secured immediately before the partial taking, destruction, or loss in value, unless Buyer and Seller otherwise agree
<br />in writing, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or
<br />not the sums are then due.
<br />If the Property is abandoned by Buyer, or if, after notice by Seller to Buyer that the Opposing Party (as
<br />defined in the next sentence) offers to make an award to settle a claim for damages, Buyer fails to respond to Seller
<br />within 30 days after the date the notice is given, Seller is authorized to collect and apply the Miscellaneous Proceeds
<br />either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then
<br />due. "Opposing Party" means the third party that owes Buyer Miscellaneous Proceeds or the party against whom
<br />Buyer has a right of action in regard to Miscellaneous Proceeds.
<br />Buyer shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Seller's
<br />judgment, could result in forfeiture of the Property or other material impairment of Seller's interest in the Property
<br />or rights under this Security Instrument. Buyer can cure such a default and, if acceleration has occurred, reinstate as
<br />provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Seller's judgment,
<br />precludes forfeiture of the Property or other material impairment of Seller's interest in the Property or rights under
<br />this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of
<br />Seller's interest in the Property are hereby assigned and shall be paid to Seller.
<br />All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in
<br />the order provided for in Section 2.
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