A rate less than 11.31% or a rate greater than 12.79% A rate equal to or greater than 11.65% but less than 12.10% A rate equal to or greater than 11.31% but less than 11.49% A rate equal to or greater than 12.10% but less than 12.79% A rate equal to or greater than 11.49% but less than 11.65%