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202103878 4. Insurance. 4.1 Trustor shall keep the security insured against: (1) loss by perils covered by standard fire policy with standard extended coverage endorsement, in an amount equal to 100% of the full replacement value of the security without deduction for depreciation; (2) liability insurance for the benefit of Beneficiary and Trustee to protect Beneficiary and Trustee from any and all claims of personal injury or property damage arising from or out of the premises; and (3) other insurance normal and customary for owners and operators of similar property. Further, Beneficiary may require any other reasonable insurance to protect the security. All insurance shall be paid for by Trustor, shall be in a form and by a company approved by Beneficiary, shall insure Beneficiary, Trustee, and Trustor as their interests appear, and shall provide that the insurance company shall notify Beneficiary in writing at least thirty (30) days before any cancellation or termination becomes effective as to Beneficiary. 4.2 Trustor shall provide Beneficiary proof of the insurance required by this Agreement at least fifteen (15) days before advancement of funds under the Loan Agreement. Trustor shall provide proof of renewal policies at least fifteen (15) days before expiration of any policy. If Trustor fails to provide insurance, Beneficiary may declare the loan and Deed of Trust in default. Beneficiary may purchase such insurance as necessary to protect the security. The cost of the insurance so purchased, with interest, shall be deemed an advancement to protect the security. 5. Taxes, Assessments, and Charges. 5.1 Trustor shall pay all taxes, assessments, liens, and other charges including utility charges, which may affect the security as they are due and before they are delinquent. Upon request, Trustor shall show Beneficiary proof of payment. Trustor shall pay all taxes and assessments which may be levied upon Beneficiary's interest herein or upon this Deed of Trust without regard to any law in effect or that may be enacted imposing payment of the whole or any part therefore upon Beneficiary. 5.2 Trustor, at the option of Beneficiary, shall pay monthly to Beneficiary an amount equal to 1/12th of the estimated yearly real estate taxes for the premises. Such amount shall be held in escrow by Beneficiary and may be used by Beneficiary for the payment of such real estate taxes. Election by Beneficiary to require a payment to escrow for taxes shall not relieve Trustor of liability under paragraph 5.1 above. 5.3 If Trustor fails to make the payments required herein, Beneficiary may declare the loan and Deed of Trust in default. Beneficiary may pay such amounts necessary to protect the security. The amount of such payment, with interest, shall be deemed an advancement to protect the security. 6. Condemnation. Condemnation under this Deed of Trust shall include any damage or taking by any governmental authority and any transfer by private sale in lieu thereof. On condemnation, Beneficiary may declare the entire indebtedness secured by the Deed of Trust due and payable. Trustor assigns all rights to compensation or relief for condemnation to Beneficiary, who may proceed for just compensation in the name of Trustor or Beneficiary. The proceeds recovered hereunder Page 3 of 11