Section 4
SEC. 4. No pawnbroker or pawnbroker agent shall directly or indirectly take or receive any hgher or greater sum or value for any loan or forbearance than three per centum per month when the sum lent is less than one hundred pesos; two per centum per month when the sum lent is one hundred pesos or more, but not exceeding five hundred pesos, and fourteen per centum per annum when it is more than the amount last mentioned. A pawnbroker or pawnbroker's agent shall be considered such, for the benefits of this Act only if he be duly licensed and has further an establishment open to the public.