Commercial loan classification by risk category Historical Risk Default Class Characteristics Percentage Short-term working capital loans secured with 0.22% 1 accounts receivable and inventory Short-term real estate loans secured by facility and borrower's cash flow from total 0.61 2 operations Term plant and equipment loans secured by 1.3 3 physical plant and other real estate 4 Other loans 1.94 麓的贫香小手Commercial loan classification by Commercial loan classification by risk category risk category Risk Class C haracteris tics Historical D efa ult P e rcent age 1 Shor t - t e r m w o r king capi tal l oans secur e d wit h accounts receivabl e and i nventor y 0.22% 2 Shor t - t e r m real estate l oans secur ed by facility and bor r o w e r’s cash flow fr o m t o t al oper a tions 0.61 3 Ter m plan t and equipment l oans secur ed by physical plant and other real estat e 1. 3 4 O ther l oans 1.94