Use the following information on a one$-$year loan commitment to calculate the return on the loan commitment.VBR $=$ FI's base rate on the loans $=2\mathrm{.}5\%=$ risk premium on loan commitment $=1\mathrm{.}9\%$f$1=$ Upfront fee on the whole commitment $=25$ basis points $(0\mathrm{.}25\%)$f$2=$ Back$-$end fee on the average unused portion of the commitment $=35$ basis points $(0\mathrm{.}35\%)$V b $=$ compensating balance on loans $=8\%$RR $=$ Reserve requirements $=2\%$td $=$ Expected $($average$)$ takedown rate on the loan commitment $=60\%$