1. Interest rates refer to rates after deducting all applicable fees and charges, with the lowest and highest rates based on the actual rates offered during the year.

2. For the past three calendar years, the lowest, highest, and weighted average expected rates of return for each year of loan disbursement are disclosed in the table.

3. Actual returns may be lower than the expected rates, and past performance should not be relied upon as an indicator of future outcomes.

4. The weighted average expected rate of return is calculated as the interest rate per deal multiplied by the loan amount per deal, divided by the total loan amount disbursed for the year.