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201100260 19. PROPERTY AND LIABILITY INSURANCE. (a) Borrower sha11 keep the Impravements inswed at all times against such hazards as Lender may fram time to time require, which insuraricc shall include but not be limited to coverage against lass b� fire and allied perils, gcneral boilcx and machinery coverage, and business income coverage. Lender's insurance requiremEnts may change from time to time throughout the term of the Indebtedness. If Lender so rcquires, such insurance shall also include sinkhole insurance, mine subsidence insurance, earthquake insurance, and, if the Mortgaged Property does not conform to applicable zoning or land use laws, building ordinanc� ar law eoverage. If any of the Improvements is laeated in an area identified by the Federal Emergency Management Agency (or any successar to that a$ency) as an area having special flood hazards, and if fload inswance is available in that area, Borrower shall insure such Improvements against loss by flaod. (b) AIl premiwns on insurance policies required under Section 19(a) shall be paid in the mann�r provided in Section 7, unless Lender has desigriated in writing anothcr method of payment. All such policies shall alsa be in a farm appraved by Lender. All policies of property damage insurance shall include a nan-contributing, non-reparting martgage clause in favor of, and in a form approved by, Lender. Lender shall have the right to hald the original policies or duplicate original policics of all insurance requiared by Sectian 19(a), Barrower shall promptly deliver to Lender a copy of all renewal and othcr notices received by Barrow�r with respect to tk►� polici�s and all receipts for paid premiums. At least 30 days prior to the expiratian date af a policy, Borrower shall deliver to I,ender the origin�l (ar a duplieate original) af a renewal policy in form satisfactory ta Lender. (c) Borrower shall maintain at ali times commercial generalliability insura�nce, warkers' compcnsation insurance and such other liability, ercors and omissions and fidelity insuxa�ace caverages as Lender may from timc to time requirc. (d) All insuranc� policics and renewals of insurance pnlicies required by this Section 19 sha11 be in such amounts and for such periods as Lender may from time to time require, and shall be issued by insurance companies satisfactory to Lender. (e) Sorrawer shall comply with all insurance requirements and shall not permit any conditian to exist on the Mortgaged Property that would invalidate any part of any insurance covera�e that this Tnstrument requires Borrower to maintain. (fl In the event of loss, Sorrower shall give immcdiate written notice to the insurance carrier and to Lend�r. Borrower hereby autharizes and appoints Lender as attarriey-in-fact for Borrawer to make proof of loss, to adjust and campxamise any claims under policies of property damage inswrance, ta appear in and prasecute any actian arising from such property damage insurance policics, to collect and receive the proceeds af property damage insurance, and to deduct frorn such proceeds Lender's expenses incurred in the callection of such proceeds. This power of attorney is coupled with an interest and therefore is irrevocable. However, nathing cantained in this Section 19 shall require Lender to incur any expense or talcc any action. Lender may, at Lender's FANNIE MAE MUGTIFAMTLY S�CURITY INSTRUMEfYT - Fnrm 4028 O6/09 Page 24 NEBRASKA � 199'�-20O9 Fannie Mae