How to stop suggested Predictive Text in iOS 9 on iPhone

How to stop suggested Predictive Text in iOS 9 on iPhone
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Predictive Text is considered to be annoy on too many users. How to step and disable Predictive Text in OS on iPhone?

Go to message --> Start Typing --> You then see suggested predictive text on Gray bar --> Swipe down the gray bar using your finger.

How to disable predictive text in iOS 9 completely?