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59 2013053 Section 9.4. Certain Insurance Disclosures. Pursuant to the Illinois Collateral Protection Act and the Illinois Financial Institution Insurance Sales Law, Administrative Agent hereby notifies Mortgagor as follows: You may obtain insurance required in connection with your loan or extension of credit from any insurance agent, broker, or firm that sells such insurance, provided the insurance requirements in connection with your loan are otherwise complied with. Your choice of insurance provider will not affect our credit decision or your credit terms. Unless you provide us with evidence of the insurance coverage required by your agreements with us, we may purchase insurance at your expense to protect our interest in your collateral. This insurance may, but need not, protect your interests. The coverage that we purchase may not pay any claim that you make or any claim that is made against you in connection with the collateral. You may later cancel any insurance purchased by us, but only after providing us with evidence that you have obtained insurance as required by our agreements. If we purchase insurance for the collateral, you will be responsible for the costs of that insurance, including interest and any other charges we may impose in connection with the placement of the insurance, until the effective date of the cancellation or expiration of the insurance. The costs of the insurance may be added to your total outstanding balance or obligation. The costs of the insurance may be more than the cost of insurance you may be able to obtain on your own. Section 9.5. Business Purposes. Mortgagor certifies, represents and warrants to the Administrative Agent that the indebtedness secured by this Mortgage is a "business purpose loan" as provided in 815 ILCS 4 /1(c). Section 9.6. Illinois Mortgage Foreclosure Law. The Administrative Agent shall be entitled to the following benefits, among others, pursuant to the Illinois Mortgage Foreclosure Law (735 ILCS 5/15 1101): (i) Benefits to Act. The Mortgagor and the Administrative Agent shall have the benefit of all of the provisions of the Illinois Mortgage Foreclosure Law (735 ILCS 5/15 1101), including all amendments thereto which may become effective from time to time after the date hereof. If any provision of the Illinois Mortgage Foreclosure Law (735 ILCS 5/15 1101) may be repealed, the Administrative Agent shall have the benefit of such provision as most recently existing prior to such repeal, as though the same were incorporated herein by express reference. (ii) Insurance. Wherever provision is made in the Mortgage for insurance policies to bear mortgage clauses or other loss payable clauses or endorsements in favor of the Administrative Agent, or to confer authority upon the Administrative Agent to settle or participate in the settlement of losses under policies of insurance or to hold and disburse or otherwise control use of insurance proceeds, from and after the entry of judgment of foreclosure all such rights and powers of the Administrative Agent shall continue in the Administrative Agent as judgment creditor or the Administrative Agent until confirmation of sale. (iii) Protective Advances. All advances, disbursements and expenditures made by the Administrative Agent before and during a foreclosure, and before and after judgment of foreclosure, and at any time prior to sale, and, where applicable, after sale, and during the pendency of any related proceedings authorized by the Mortgage or by the Illinois Mortgage Foreclosure Law (735 ILCS 5/15 1101) (collectively, "Protective Advances "), shall