Please extract entities and their types from the input sentence, entity types should be chosen from {person/organization/location}.

Borrower expressly agrees that the extension of a Credit Extension prior to the receipt by Agent of any such item shall not constitute a waiver by Agent of Borrower ' s obligation to deliver such item , and any such extension in the absence of a required item shall be in Agent ' s sole discretion .
Borrower is a person, Borrower is a person.