1. For every loan transaction, the term ‘interest rates’ refers to the interest rates after deducting all fees and charges.

2. Lowest and highest rates are based on actual interest rates offered during the year.

3. Actual returns may be lower than the expected rates of return.

4. Expected weighted average rates are based on interest rates per deal x loan amount per deal over the total loan amount during each year.

5. Past performance is not a reliable indicator of future performance and should not be relied upon as a guarantee of future investment performance.