Borrow Rate: Base Rate + [Multiplier x min(Kink, Utilization)] + [Jump Multiplier x max(0, Utilization - Kink)Supply rate: Borrow Rate x Utilization Rate x (1 - Reserve Factor)whereKink = The cut-off point in utilization rate where interest rate follows the Jump Model (e.g., 80%)Jump Multiplier = Scale factor per utilization under Jump ModelBase Rate, Utilization Rate and Multiplier = same as above