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200003557 (iv) Business Interruption. Business interruption and /or loss of "rental income" insurance in an amount sufficient to avoid any co- insurance penalty and to provide proceeds which will cover a period of not less than one (1) year from the date of casualty or loss, with a six month extended period of indemnity, the term "rental income" to mean the sum of (A) the total then ascertainable Rents payable under the Leases and (B) the total ascertainable amount of all other amounts to be received by Borrower from third parties which are the legal obligation of the tenants, reduced to the extent such amounts would not be received because of operating expenses not incurred during a period of non - occupancy of that portion of the Property then not being occupied. The amount of coverage shall be adjusted annually to reflect the rents payable during the succeeding twelve (12) month period. (v) Boiler and Machinery Insurance. Broad form boiler and machinery insurance (without exclusion for explosion) covering all boilers or other pressure vessels, machinery, and equipment located in, on or about the Property and insurance against loss of occupancy or use arising from any breakdown, in such amount per accident equal to the replacement value of the improvements housing the machinery or such other amount reasonably determined by Lender. If one or more large HVAC units is in operation at the Property, "System Breakdowns" coverage shall be required, as determined by Lender. Minimum liability coverage per accident must equal the value of such unit(s). (vi) Flood Insurance. If required by Subsection 4.6(b) hereof, flood insurance in an amount at least equal to the lesser of (A) the minimum amount required, under the terms of coverage, to compensate for any damage or loss on a replacement basis (or the unpaid balance of the indebtedness secured hereby if replacement cost coverage is not available for the type of building insured); or (B) the maximum insurance available under the appropriate National Flood Insurance Administration program. The deductible may not exceed the lower of $5,000 or 1 % of the face amount of the policy. (vii) Builder's Risk Insurance. During the period of any construction, addition, renovation or alteration of the Improvements, a completed value "All Risk" Builder's Risk or "Course of Construction" insurance policy in non - reporting form for any Improvements under construction, renovation or alteration in an amount approved by Lender may be required. (viii) Other Insurance. Such other insurance with respect to the Property as may from time to time be required by Lender against other insurable hazards or casualties which at the time are commonly insured against in the case of property similarly situated, including, without limitation, sinkhole, mine subsidence, earthquake and environmental insurance, and "Casualty and Condemnation" insurance, due regard being given to the height and type of buildings, their construction, location, use and occupancy. (b) All insurance provided for in Subsection 3.6(a) hereof shall be obtained under valid and enforceable policies (collectively, "Policies" or in the singular, "Policy "), and shall be issued by one or more domestic primary insurer(s) having a minimum rating of "A" with a minimum size category of Class VII by A.M. Best & Company or a minimum rating of "A" assigned by Standards & Poors. All insurers providing insurance required by this Security Instrument shall be authorized to issue insurance in the state in which the Property is located. The Policy referred to in Subsection 3.6(a)(ii) above shall name Lender as an additional insured, and the Policies referred to in Subsections 3.6(a)(i), (iv), (v), (vi) and (vii) above shall name Lender as loss payee and provide that all proceeds be payable to Lender. The Policies referred to in Subsections 3.6(a)(i), (v), (vi), and (vii) also shall contain: (i) a standard "non- contributory mortgagee" endorsement or its equivalent relating, inter alia, to recovery by Lender notwithstanding the negligent or willful acts or omission of Lender; (ii) to the extent available at commercially reasonable rates, a waiver of subrogation endorsement as to Lender; and (iii) an endorsement providing for a deductible per loss of any amount not more than that which is customarily maintained by prudent owners of similar properties in the general vicinity of the Property, but in no event in excess of $250,000. If the Real Property constitutes a legal non - conforming use under applicable building, zoning or land use laws or ordinances, the Policy referred to in subsection 3.6(a)(i) shall include an ordinance or law coverage endorsement which will contain ATLANTA4181845.4 GMACCM (SLIP) — DOT (8/98) 8 Grand Isle, Nebraska