Examine the input text to classify the entity type of 'Borrower'.
Options: organization, location, person

If any new law or regulation increases Agent and / or Lenders ' costs or reduces its income for any loan , Borrower shall pay the increase in cost or reduction in income or additional ; provided , however , that Borrower shall not be liable for any amount attributable to any period before one hundred eighty ( 180 ) days prior to the date Agent notifies Borrower of such increased costs .
person