tokens: 22 . 1 Subject to Article 22 . 2 the Borrower shall indemnify and hold the Lender harmless from any reasonable loss , cost , liability and legal or other expense , including reasonable attorneys ' fees of the Lender ' s counsel , which the Lender may directly or indirectly suffer or incur by reason of the failure of the Borrower to perform any of its obligations under this Loan Agreement or exercise of remedies ( collectively , " Costs "), provided , however , the indemnity agreement contained in this Article shall not apply to liabilities which the Lender may directly or indirectly suffer or incur by reason of the Lender ' s own negligence or misconduct .