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201303289 <br /> 19 <br /> Lender's rights under this Security Instrument, including eminent domain, insolvency, <br /> Waste, code enforcement, civil or criminal forfeiture, enforcement of Hazardous <br /> Materials Laws, fraudulent conveyance or reorganizations or proceedings involving a <br /> bankrupt or decedent, then Lender at Lender's option may make such appearances, <br /> advance such sums and take such actions as Lender reasonably deems necessary to <br /> perform such obligations of Borrower and to protect Lender's interest, including (1) <br /> payment of fees and out-of-pocket expenses of attorneys (including fees for litigation at <br /> all levels), accountants, inspectors and consultants, (2) entry upon the Mortgaged <br /> Property to make repairs or secure the Mortgaged Property, (3) procurement of the <br /> insurance required by Section 19, and (4) payment of amounts which Borrower has <br /> failed to pay under Section 16 or any other Section of this Security Instrument. <br /> (b) Any amounts advanced by Lender for taxes, special assessments, water <br /> rates, which are liens prior to the Security Instrument, insuring the Project and <br /> mortgage insurance premiums, paid after an Event of Default, shall be added to, and <br /> become part of the Indebtedness, and shall be immediately due and payable and shall <br /> bear interest from the date of the advance until paid at the Interest Rate specified in the <br /> Note. So long as the Loan is insured or held by HUD, Lender does not have any <br /> obligation to make advances except as required under Program Obligations, and any <br /> advance by Lender other than as required by Program Obligations requires prior HUD <br /> approval before such advance can be added to the Indebtedness. <br /> (c) Nothing in Section 13 shall require Lender to incur any expense or take <br /> any action to protect its security. <br /> 14. INSPECTION. Upon reasonable notice, Lender, its agents, <br /> representatives, and designees, may make or cause to be made entries upon and <br /> inspections of the Mortgaged Property (including any environmental inspections and <br /> tests) during normal business hours, or at any other reasonable time. <br /> 15. BOOKS AND RECORDS; FINANCIAL REPORTING. <br /> (a) Borrower shall keep and maintain at all times at the Mortgaged Property <br /> or the management agent's offices, and upon Lender's request shall make available at <br /> the Ivlorlgayed Fiopeily, curnpiele and accurate books of account and records <br /> (including copies of supporting bills and invoices) adequate to reflect correctly the <br /> operation of the Mortgaged Property, and copies of all written contracts, Leases, and <br /> other instruments which affect the Mortgaged Property. The books, records, contracts, <br /> Leases and other instruments shall be subject to examination and inspection at any <br /> reasonable time by Lender. <br /> (b) If an Event of Default has occurred and is continuing, Borrower shall, at <br /> Borrower's expense, deliver to Lender upon written demand all books and records <br />