ESSAY: I. Spouses Jam and Jois entered into a Contract of Loan with Banko Ni Lolo, Inc. for the amount of PhP1,000,000.-. Based on the contract, which the Spouses signed on 2 November 2022, they will be paying for interest amounting to 12% of the proceeds. Spouses were given a copy of the same simultaneous to the signing. However, a review of the contract would show that the finance charges and other fees that Banko Ni Lolo, Inc. will charge the spouses would be "whichever is higher between the legal rate of interest at the time of execution of the contract and half of total the interests charged for the loan." Upon reading this, the spouse filed a complaint against Banko Ni Lolo, Inc. because according to them, they violated the provisions of the Truth in Lending Act for failure to disclose the amount of the finance charges. In its defense, Banko Ni Lolo, Inc. argued that although the contract does not provide the exact amount of the finance charges, it nonetheless provides for a specific and ascertainable criterion to know the exact amount of the charges. If you are asked, how will you rule on this issue? II. Mark is car a dealer. He sells second hand cars to various clients. For almost 3 years now, he has been selling cars to Chi Ming Choi, a Chinese national who is engaged in the business of manufacturing leathers and leather works. In a buy-bust operation held in Makati, Chi Ming Choi was caught in the act of buying 10 kilos of methamphetamine. When the PDEA agent checked Chi Ming Choi's phone, they were able to uncover contacts and messages/exchanges of Chi Ming Choi and his padrinos. Among the contacts uncovered was that of Mark to whom Chi Ming Choi sent 18 Million Pesos in total. PDEA through the AMLC was able to freeze all of Chi Ming Choi's Bank Accounts as well as those that are linked thereto. Mark's bank accounts were also frozen. What could be Mark's defense in order to convince AMLC and PDEA that he is not an accessory to any laundering activity