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underground damage, in an amount not less than One Million Dollars ($1,000,000). All of such <br />insurance shall insure the performance by Landlord of the indemnity agreement as to liability <br />for injury to or death of persons and damage to property set forth in Section 21(b). All of such <br />insurance shall be noncontributing with any insurance, which may be carried by Tenant and <br />shall contain a provision that Tenant, although named as an insured, shall nevertheless be <br />entitled to recover under the policy for any loss, injury or damage to Tenant, its agents and <br />employees, or the property of such persons. As an alternative to the above, Landlord may <br />insure the Non -Exclusive Common Area under a blanket insurance policy covering other <br />properties owned by Landlord. <br />(d) The limits and coverage of all insurance set forth herein shall be <br />adjusted on every Tenth (10th) anniversary of the Commencement Date during the Term by <br />increasing the limits according to increases in CPI (San Francisco) rounded to the nearest <br />$100,000. Upon the issuance thereof, each insurance policy or a duplicate or certificate thereof <br />shall be delivered to Landlord, Tenant and Lender, as the case may be. Nothing herein shall be <br />construed to limit the right of Lender to cause Tenant to carry or procure other insurance <br />covering the same or other risks in addition to the insurance specified in this Lease. <br />(e) All amounts that shall be received under any insurance policy specified <br />in subsections (a) — (c) above shall be first applied to the payment of the cost of repair, <br />reconstruction or replacement of any buildings or improvements, or furniture, fixtures, <br />equipment and machinery, that is damaged or destroyed. <br />20. Mechanics' and Other Liens. <br />(a) Tenant shall promptly discharge or remove by bond or otherwise prior <br />to foreclosure thereof any and all mechanics', materialmen's and other liens for work or labor <br />done, services performed, materials, appliances, teams or power contributed, used or furnished <br />to be used in or about the YMCA Site for or in connection with any construction of the New <br />YMCA, which Tenant may make or permit or cause to be made, or any future work or <br />construction by, for or permitted by Tenant on or about the New YMCA, and to indemnify, save <br />and hold Landlord and all of the YMCA Site and all buildings and improvements thereon free <br />and harmless of and from any and all such liens and claims of liens and suits or other <br />proceedings pertaining thereto. Tenant covenants and agrees to give Landlord written notice <br />not less than Twenty (20) days in advance of the commencement of any construction, <br />alteration, addition, improvement or repair costing in excess of One Million Dollars <br />($1,000.000.00) in order that Landlord may post appropriate notices of Landlord's non - <br />responsibility. <br />(b) Tenant shall have the right to contest the amount or validity of any lien <br />of the nature set forth in this Section 20 or the amount or validity of any tax, assessment, <br />charge, or other item to be paid by Tenant under Section 6 (Taxes and Assessments) hereof by <br />giving Landlord written notice of Tenant's intention to do so within Twenty (20) days after the <br />recording of such lien or at least Ten (10) days prior to the delinquency of such tax, assessment, <br />charge, or other item, as the case may be. In any such case, Tenant shall not be in default <br />ATTY/AGR/2019.316/YMCA MASTER PROJECT AGREEMENT <br />Page 42 of 108 <br />