In the sentences extracted from financial agreements in U.S. SEC filings, identify the named entities that represent a person ('PER'), an organization ('ORG'), or a location ('LOC'). The required answer format is: 'entity name, entity type'. For instance, in 'Elon Musk, CEO of SpaceX, announced the launch from Cape Canaveral.', the entities would be: 'Elon Musk, PER; SpaceX, ORG; Cape Canaveral, LOC'
3 . 5 For the purposes of Articles L . 313 - 1 et seq ., R . 313 - 1 and R . 313 - 2 of the French Code de la Consommation , the Lender hereby informs the Borrower that the all - in rate ( taux effectif global ) of the Loan is three percent ( 3 %). Lender, PER
Borrower, PER