Do I have to explain my low GPA?

[yeah]

Hello, I 'm an international student and new here. While I was struggling to write my SOP, I found this amazing website, and read a lot of helpful tips! 

But, I still have difficult question in writing SOP.

My undergraduate GPA is 3.65/4.3 (my university uses 4.3 scale) and graduate GPA is 4.1/4.3

If I convert these GPAs, then they become 3.4/4.0 and 3.81/4.0 respectively. In this case, is it really low GPA to explain some excuses in my SOP? 

I'm pretty confused because I cannot figure out the criteria of "low" GPA. 

If you give me an advice, I would really appreciate it. 

Thanks for reading!