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windows and doors , and all other items of personal property of Tenant located on or within the <br /> Demised Premises and improvements and betterments made by Tenant to the Demised Premises, such <br /> coverage to be in an amount equal to the replacement cost thereof. <br /> (c) Tenant shall not occupy Demised Premises until aforementioned All Risk and Loss of Rents <br /> Insurance policy is in full effect. Tenant to provide to Landlord a copy of the paid insurance policy as <br /> soon as it is received by Tenant. <br /> If Landlord is required to repair the Demised Premises as herein provided, Tenant shall repair or <br /> replace its inventory, trade fixtures, furniture, furnishings, floor and wall coverings, plate glass <br /> windows and doors, special equipment and other items of construction and personal property of Tenant <br /> necessary for the operation of business in accordance with the terms and conditions of this Lease <br /> Agreement. <br /> (d) Tenant agrees that it will not keep, use, sell or offer for sale in or upon the Demised Premises <br /> any article which may be prohibited by the All Risk form of fire insurance policy. Tenant agrees to pay <br /> any increase in premiums for All Risk Fire and Loss of Rents and liability insurance with all its <br /> endorsements that may be charged during the term of this lease on the amount of such insurance which <br /> may be carried by Landlord on said Demised Premises or the building of which they are a part, <br /> resulting from the type of business conducted by Tenant in the Demised Premises , whether or not <br /> Landlord has consented to the same, and increases in insurance rates and/or valuation. In determining <br /> whether increased premiums are the result of Tenant' s use of the Demised Premises, a schedule, issued <br /> by the organization making the insurance rate on the Demised Premises, showing the various <br /> components of such rate, shall be conclusive evidence of the several items and charges which make up <br /> the fire insurance rate on the Demised Premises . <br /> In the event Tenant ' s occupancy causes any increase in premium for the fire and/or casualty rates on <br /> the leased Demised Premises, or any part thereof above the rate for the least hazardous type of <br /> occupancy legally permitted in the leased Demised Premises, the Tenant shall pay the additional <br /> premium on the fire and/or casualty and liability insurance policies by reason thereof. The Tenant shall <br /> also pay in such event, any additional premium on the rent loss through fire . Bills for such additional <br /> premiums shall be rendered by Landlord to Tenant at such times as Landlord may elect, and shall be <br /> due from, and payable by Tenant when rendered, and the amount thereof shall be deemed to be, and be E <br /> paid as additional rent. <br /> (e) Landlord shall not be liable for any damage done or occasioned by or from the electrical <br /> system, the heating or cooling system, the plumbing and sewer systems ; nor for damage occasioned by <br /> water, snow or ice being upon or coming through the roof, walls, windows, doors, or otherwise, in, <br /> upon or about the Demised Premises, and furthermore, Landlord shall not be liable for any damage <br /> occasioned by reason of the construction on the Demised Premises or for the failure to keep the <br /> Demised Premises in repair, unless Landlord is obligated to make such repairs under the terms of the <br /> Lease Agreement, and unless notice of the need for such repairs has been given to Landlord, a <br /> reasonable time has elapsed and Landlord has failed to make such repairs . In any event, Landlord shall <br /> not be liable for any damage to Tenant' s inventory, trade fixtures, furniture, furnishings, floor and wall <br /> coverings , plate glass windows and doors, special equipment and all other kinds of personal property of <br /> Tenant from fire or other hazards, regardless of the cause thereof, and Tenant hereby releases Landlord <br /> from all liability for such damage . <br /> INDEMNIFICATION AND PUBLIC LIABILITY INSURANCE <br /> 17 . (a) To the extent authorized by North Carolina law Tenant will indemnify Landlord and save it <br /> harmless from and against any and all claims, actions, damages , liability and expense in connection <br /> with loss of life, personal injury or damage to property occurring in or about, or arising out of, the <br /> Demised Premises and adjacent sidewalks and loading areas, or occasioned wholly or in part by any act <br /> or omission of Tenant, its agents, subtenants , licensees, concessionaires , contractors, customers or <br /> employees . In case Landlord shall be made a party to any litigation, commenced by or against Tenant, <br /> its agents, subtenants, licensees, concessionaires, contractors, customers of employees then Tenant shall <br /> protect and hold Landlord harmless and shall pay all costs, expenses and reasonable attorney' s fees and <br /> paralegal fees incurred or paid by the Landlord in connection with such litigation and all costs, <br /> expenses and reasonable attorney ' s fees and paralegal fees incurred or paid by Landlord in enforcing <br /> the covenants, conditions and agreements of this Lease Agreement whether incurred as a result of <br /> litigation or otherwise . <br /> (b) Tenant shall, at all times during the term hereof, keep in force at its own expense and naming as <br /> insured both Landlord and Tenant public liability insurance with minimum limits of ONE MILLION <br /> DOLLARS ($ 1 , 000, 000 . 00) per claim, and TWO MILLION DOLLARS ($2, 000, 000 . 00) aggregate <br /> claim for bodily injuries and property damage, with Landlord specifically listed as co -insured. <br /> Landlord and Tenant agree that if the Demised Premises or its contents are damaged or destroyed by <br /> fire or other insured casualty, the rights, if any, of either party against the other with respect to such <br /> damage or destruction are waived. All policies hereunder shall provide for waiver of subrogation and <br /> A Initia <br /> 9(308 W. Franklin St. ) V A <br /> La or Tenant <br />