; or (ii) the costs, expenses, and expenditures described in subclauses (I) through (XI) of subparagraph (F)(i) that were incurred by the applicant during the covered period with respect to employees of the applicant on Maui, up to $10,000,000. (F) Allowable uses of covered loans (i) In general During the covered period, an eligible recipient may, in addition to the allowable uses of a loan made under this subsection, use the proceeds of the covered loan for any of the following costs, expenses, or expenditures incurred with respect to employees, property, or operations of the eligibility recipient on Maui: (I) Payroll costs. (II) Costs related to the continuation of group health care benefits during periods of paid sick, medical, or family leave, and insurance premiums. (III) Employee salaries, commissions, or similar compensations. (IV) Payments of interest on any mortgage obligation (which shall not include any prepayment of or payment of principal on a mortgage obligation). (V) Rent (including rent under a lease agreement). (VI) Utilities. (VII) Interest on any other debt obligations that were incurred before the covered period. (VIII) Covered operations expenditures, as defined in section 4(a) of the Healing and Economic Advancement for Local businesses in Maui Act. (IX) Covered property damage costs, as defined in such section. (X) Covered supplier costs, as defined in such section. (XI) Covered worker protection expenditures, as defined in such section. (ii) Delegated authority (I) In general For purposes of making covered loans for the purposes described in clause (i), a lender approved to make loans under this subsection shall be deemed to have been delegated authority by the Administrator to make and approve covered loans, subject to the provisions of this paragraph. (II) Considerations In evaluating the eligibility of a borrower for a covered loan with the terms described in this paragraph, a lender shall consider whether the borrower— (aa) was in operation on August 8, 2023