2. Ed applied with Megabank for a credit card Tn his name that was approved with a monthly credit limit of P. By the end of March 22. Ed's credit card purchases reached oyer Pi P'DDD. The bank's lawyer sent Ed a demand letter demanding payment of the said amount. plus to} interest of 3% per month: {to} penalties at the rate of 5% per month to be computed from the time of ling of the complaint until fully paid; and [c} 25% attorney's tees of the total amount due. Since Ed did not complywith the demand letter. Megaoank filed a complaint for the collection of a sum of money against him. During trial. Ed questioned the claims on interests and penalties for yery high. Dn the other hand. Megaoank asserted that these are the rates made known to Ed when he applied for the credit card. to which he agreed. Question: If you were the judge. how will you rule on Megapank's claims of interests. penalties and attorney's fees? Will you grant. or deny. or modify them? Why or why not? Support your answer with an article or provision {it} points]