Anybody willing to post a musical example to help us gain understanding? 
Okay SJ,
I'll post an example using the song,
"Be Blessed" by Bishop Paul Morton.
After singing the first verse, the song modulates a whole step from "Bb" to the key of "C".
We'll pick up the song starting from the second verse, and I'll highlight and note the "borrowed" chords that we're discussing...
"Be Blessed
(Modulation to "key of C" Second Verse)
C G / C E G
C F A / C F
C F A / C E You might be
F C / F A C hurting,
G D / F A C
You
G D F/ G B D might be
A E / A C E crying, you might be
F C / F A C worrying
G D / F A C
and fru-
G D F / G B D strated
A E / A C E too, ... let me en-
F C / F A C courage you,
G D / F A C
let
G D F/ G B D me speak
E E / G B D life to you
A E G / A C
you can can de-
F C E/ F A C pend on
F# C D/F# A C God,
G D / F A C
to
G D F/ G B D see you
A E / A C E thru, you can de-
F C E/ F A C pend on
F# C D/F# A C me,
G D F/G B D G
to pray for
Ab Eb / Ab C you ... ("Ab" is the "Flat Sixth" chord "borrowed from the parallel minor key,
notice that we are still in the key of "C")
F C / F A C Pray, I'm gonna
G D / G B D keep on prayin,
E B / E G B
E B / E G# B Pray I'm
E B D/ E G# B gonna
A E / A C E keep on prayin for
G D F / G Bb D you,
G E / G C E
F C / F A C Pray I'm gonna
G D / G B D keep on prayin,
E B / E G B
E B / E G# B Pray I'm
E B D/ E G# B gonna
A E / A C E keep on prayin for
G D F / G Bb D you,
you can can de-
F C E/ F A C pend on
F# C D/F# A C God,
G D / F A C
to
G D F/ G B D see you
A E / A C E thru, you can de-
F C E/ F A C pend on
F# C D/F# A C me,
G D F/G B D G
to pray for
Ab Eb / Ab C you ... (Here we again see the use of the "Flat Sixth" chord, however, this time it's
being used to set up the half step modulation from "C" to the key of "Db".)
Bridge:
(Modulation to key of "Db")Ab Eb Gb/ Ab C Eb Ab I ... see .. you ... in.. the ..
Gb Db / Gb Bb Db Gb future,
Ab Eb / Gb Bb Db
and
Ab Eb Gb/Ab C Eb you look
Db Ab / Db F Ab better, I see you walking in
Gb Db / Gb Bb Db favor
Ab Eb / Gb Bb Db
and
Ab Eb Gb/ Ab C Eb prosperity
Bb F / Bb Db F too,
Ab Eb Ab/ B Eb Gb
let
Ab Db F / B Db F me en-
Gb Db / Gb Bb Db courage you,
Ab Eb / Gb Bb Dd
let
Ab EbGb/Ab C Eb me speak
F C F / Ab C Eb life to you,
Bb F / Bb Db
you can de
Gb Db F/ Gb Bb Db pend on
G Db Eb/ G Bb Db God
Ab Eb / Gb Bb Db
to see you
Bb F / Bb Db thru, you can de-
Gb Db F/ Gb Bb Db pend on
G Db Eb/ G Bb Db me,
Ab Eb Gb/ Ab C Eb
to pray for
Db Ab / Db F Ab you ...
I pray for
B Eb Gb/ B Eb Gb you, you pray for (Here we see the use of the "Flat Seventh" chord.
Since we are in the key of "Db", the "borrowed Flat
seventh is, "Cb" or the "B" chord.)Gb Db/ Gb Bb Db me, and watch God
Ab Eb / Ab C Eb change
Db Ab / Db F Ab things ...
(Repeat as led by leader)
Hope that this example is helpful, "Be Blessed" ... BroAllan 
