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Under the direct method, dividends from investments are included when calculating cash flows from operations

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Rashi is a student at State University. In need of funds to pay for tuition and books, Rashi asks Tiempo Loans, Inc, for a short-term loan. The lender agrees to make a loan if Rashi will have someone who is financially responsible guarantee the loan

payments. Umberto, a well-known businessperson and a friend of Rashi's family, calls Tiempo and agrees to pay the loan if Rashi cannot. Because of Umberto's reputation, the loan is made. Rashi is making the payments, but because of illness he is unable to work for one month. He asks Tiempo to extend the loan for three months. The lender agrees, raising the interest rate for the extended period. Umberto is not notified of the extension (and thus does not consent to it). One month later, Rashi drops out of school. All attempts to collect the remainder of the loan from Rashi fail. Can Tiempo assert a claim against Umberto on the debt?