The schedule of performance in the preceding paragraph does not deprive the Lender the right to demand immediate performance of the obligation of of capital and interest, in part or in whole, without the Borrower's consent whereas the Borrower agrees to pay the Lender demand for performance of obligation according to this clause. In case the Borrower is in default of interest payment for a period of one year, the Borrower agrees to combine the unpaid interest with the capital on the date of such one-year default of payment and the Borrower shall pay interest for the new amount of capital from the following date of that one-year period of the same rate specified in Clause 2 until complete payment is made.