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$4 ---- 005507 (3) after acquiring an adjoining Unit or an adjoining part of an adjoining Unit, may remove or alter any intervening partition or create aper- tures therein, even if the partition in whole or in part is a Commun Element, if those acts do not impair the structural integrity or mechanical systems or lessen the support of any portion of the Condominium. Removal of partitions or creation of spertures tinder this T azraph ie not an alteration of horn- daries . v Except as authorized by the Rules and Regulations, no Owner shall male any structural additions, removals or alterations to his /her Unit; or alter or remove or extend any mechanical or electrical services servicing his /her Unit; or permit the use of any mechanical or electrical device, equipment or attach- ment or take any other such action that would affect, impair, disturb or damage the property of any other Owner or other Owner's right to the use and enjoyment of his!her property; or alter, damage or impair. any property owned and /or maintained by the Association. Except as authorized- by the Rules and Regulations, no proposed addition, removals or alterations, by an Owner of his /her Unit, shall be commenced without obtaining written approval . of the Board of Directors, or its agent. A request for such approval- shall,. be accompanied by a copy of plans and specifications for the proposed work . prepared by an architect or engineer licensed to practice in the State of Nebraska and such approval when granted, shall be subject to the .assumption by the Owner of all responsibility for any damage to property or persons. 30. Mortgaging a Condominium Unit "r ority. Any Owner shall have the right from time to time to mortgage or encumber his interest in a Condominium Unit by a Mortgage or other security interest. 31. Insurance. The Board shall obtain and maintain on behalf of the Association at all times, to the extent obtainable, insurance policies with amounts and the coverage to be determined by the Board as defined in the Bylaws; the cost of the insurance shall be assessed to the Unit Owners on the basis of their Allocated Interests set out in Exhibits "E", "F ", and "G" herein in the man- ner set out in the Bylaws; provided, however, liability insurance, including medical payments insurance, shall be maintained in an amount not less than $1,000,000. 32. Tort and Contract Liability. (A) Neither the Association nor any Unit Owner except the Declarant is liable for the Declarant's torts in connection with any part of the Condo- minium which that Declarant has the responsibility to maintain. Otherwise, an aefiloii aiiegging a wrong done by the Association must be brought against the Association and not against any Unit Owner. If the wrong occurred during any period of Declarant control and the Association gives the Declarant rea- sonable notice of and an opportunity to defend against the action, the Declar- ant who then controlled the Association is liable to the Association or to any Unit Owner: -24- W _i