Which of the following statements are examples of subprime/predatory lending? I. Loans with above average interest rates given to households with poor credit history. II. Loans that target a specific population or group of people typically those residing in low-income neighborhoods. III. Lenders continually insisting and encouraging their customers to refinance and incur additional fees. IV. Loans given to households with excellent credit history and low front-end mortgage ratios (below 20%) indicating their ability to pay off the mortgage