II. With regard to an award of interest in the concept of actual and compensatory damages, please state the guidelines regarding the manner of computing legal interest in the following situations: [a) when the obligation is breached and it consists in the payment of a sum of money like a loan or forbearance of money; (2.5%) [b] when the obligation does not constitute a loan or forbearance of money. (2.5%) Consider the issuance of BSP-MB Circular No. 799, which became effective on July 1, 2013.