(9.1) If the collateral does not cover the total of the loan value, then borrower should cover any prorated difference through principal protected note (PPN) and indemnity capital protection wrap (WCP) of the value worth the still uncovered balance. (9.2) Such notes will be issued to lender and signed by borrower for the tenure of the loan that can either called upon or case of defaulted on the loan by the borrower.