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(i) utility easements, rights of way or reservations granted or to be granted to service providers in connection with the development of the Mortgaged Property, which such utility easements, rights of way or reservations do not in the aggregate detract from or impair the value of or use of the Mortgaged Property. Section 3.2 Power to Create Lien and Security. Grantor has full power and lawful authority to grant, bargain, sell, assign, transfer, mortgage and convey a lien and security interest in the Mortgaged Property in the manner and form herein provided without obtaining the authorization, approval, consent or waiver of any governmental authority or other person that has not been obtained. Grantor covenants with Beneficiary as follows: ARTICLE 4 COVENANTS 2 016053 . 55 Section 4.1 Lien Status. Grantor shall preserve and protect the lien and security interest status of this Deed of Trust against all liens or encumbrances other than Permitted Encumbrances. Section 4.2 Replacement of Fixtures. Grantor shall not, without the prior written consent of Beneficiary, permit any of the Fixtures owned or leased by Grantor to be removed at any time from the Land or Improvements, unless the removed item is removed temporarily for maintenance, repair or replacement. Section 4.3 Insurance. Grantor shall provide, maintain and keep at all times in force the following policies of insurance: (a) Insurance upon all Improvements and Fixtures against loss or damage by fire, lightning and other risks customarily covered by standard "all risk" and extended covered endorsements, together with theft, vandalism, malicious mischief, collapse, replacement cost, agreed amount and restoration in conformance with applicable laws and ordinances, all in such amounts as may be from time to time required by Beneficiary, but in no event less than the full replacement cost of the Improvements now existing or hereafter erected or placed upon the Property, including the cost of debris removal, and of all Personal Property, and in any event in an amount not less than the full unpaid balance secured by this Deed of Trust, which policies shall name Beneficiary as sole loss payee; and (b) Commercial general liability insurance (including coverage for elevators and escalators, if any, on the Mortgaged Property) on an "occurrence basis" against claims for "personal injury," including, without limitation, bodily injury, death or property damage occurring on, in or about the Mortgaged Property with no less than $1,000,000 per occurrence, which policy shall name Beneficiary as additional insured; All policies of insurance required by the terms of this Deed of Trust shall contain an endorsement or agreement by the insurer that any loss shall be payable in accordance with the terms of such policy, notwithstanding any act or negligence of Grantor which might otherwise result in forfeiture of said insurance, and the further agreement of the insurer waiving all rights of setoff, counterclaim or deductions against Grantor. All policies of insurance shall name Beneficiary as an additional insured and shall have attached thereto a lender's loss payable endorsement for the benefit of Beneficiary, which endorsement indicates that all insurance proceeds are payable directly to Beneficiary and shall be otherwise in form 4815- 3141- 9697.4 6