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shall surrender to Landlord the Premises and the Improvements in good order, condition, and repair, reasonable wear and tear excepted, and free and clear of all liens and encumbrances other than those, if any, permitted hereby or otherwise created or consented to by Landlord. The Improvements shall, upon surrender, be and become the property of Landlord without the necessity of further action, but Tenant shall, upon Landlord's request, execute, acknowledge and deliver to Landlord such instruments of conveyance or of further assurance as in the opinion of Landlord or its legal counsel are necessary or desirable to confirm or perfect Landlord's right, title, and interest in and to the Premises and Improvements; provided, however, that Tenant shall have no right to surrender the Premises except upon the expiration of the Term or upon termination by Landlord pursuant to and subject to the provisions of this Lease. ARTICLE XV INSURANCE Section 15.1 Tenant's Obligation to Maintain Insurance Tenant, at its sole cost and expense, shall cause insurance to be maintained as set forth in Exhibit H which is incorporated herein by this reference. Should Tenant fail to maintain any insurance or provide Landlord with evidence of the existence or renewal thereof, as required, or should any policy expire or be cancelled before expiration of the Lease and Tenant fails immediately to procure other insurance as specified, Landlord reserves the right, but shall have no obligation, to procure such insurance and to receive payment from Tenant for the cost thereof. Nothing contained in these insurance LEASE BETWEEN CITY OF SAN LEANDRO AND SAN FRANCISCO BAY CONFERENCE RESORT PAGE 55 2574001\313983.8