$5.$The following is a schedule of historical defaults $($yearly and cumulative$)$ experienced by an FI manager on a portfolio of commercial loans.

$\backslash$table$[[$Loan Type,Years after Issuance$],[1$ Year ${?}_{(}),2$ Years,$3$ Years,$4$ Years,$5$ Years$],[\backslash$table$[[$Commercial:$],[$Annual default$],[$Cumulative defau$]],0\mathrm{.}00\%,\frac{?}{\text{b}\text{a}\text{r}}(0\mathrm{.}10\%),0\mathrm{.}50\%,0\mathrm{.}80\%,0\mathrm{.}30\%$