The fund interest rate is 3.25% when it rises by 25 basis points and 2.75% when it falls by 25 basis points. The fund interest rate of 25 basis points represents the change of the fund interest rate. Each basis point of the fund interest rate is equivalent to 0.0 1 percentage point, so the increase or decrease of the fund interest rate of 25 basis points is equivalent to 0.25 percentage point, that is, 0.25%. The original fund interest rate was 3.00%, which became 3.25% after 25 basis points increase and 2.75% after 25 basis points decrease.