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3. A and B have a verbal contract of loan. It was agreed upon that B shall pay on or before December 6, 2022 with the interest rate at 5% per annum. On the date agreed upon, B made no payment. a. If the Court nds in favour of A and against B, can the latter be held liable for the payment of interest agreed upon by the parties\"? b. What is a usurious transaction? . Since the usury law is no longer applicable, can the parties stipulate any amount of interest? Is there any limitation? \\