What happens if the borrower has acted in a manner that returning the thing lent before the specified time would cause him loss exceeding the benefit derived from the loan?

1
The borrower must compensate the lender for the loss
2
The lender must return the thing and compensate the borrower for the loss
3
The borrower must return the thing without any compensation
4
The lender must indemnify the borrower for the loss exceeding the benefit derived from the loan

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