The insurance value provided by the Lender must reflect the fair market value at the time of the loan. If the insurance value provided by the Lender does not reflect the fair market value at the time of the loan, or if the insurance value exceeds TSHM's ability to insure the item, TSHM may, at its sole discretion, negotiate a value with the Lender or refuse the item. If the Lender fails to indicate an amount, TSHM will set a value for purposes of insurance for the period of the loan. Said value