Figure: 7 TAC §90.603(d)(14)

"I promise that:

     1.     I own the Property in "fee simple," subject to the section in this Contract named "Exceptions to Conveyance and Warranty"; and

     2.     I will provide notice to Lender if I learn of a lien or claim for labor or material on the Property that relates to the Contract.

You agree that I have the following rights:

     1.     Despite anything to the contrary in this Contract, Lender may keep all amounts under sections 53.101 and 53.081 of the Texas Property Code
             until thirty days after the Work is completed;

     2.     I may deduct enough money from payments on the Note to the Lender to pay a lien or claim for labor or material provided to you that you are
              obligated to pay. I will still owe the amount in the Note; and

     3.     Without affecting the lien created by this Contract, I may use insurance proceeds to restore destroyed or damaged property for a loss occurring
             before the Work is completed."