OPINION and ORDER
KEVIN THOMAS DUFFY, District Judge.
This is a motion for a class action determination and cross-motions for summary judgment. Plaintiff sues on behalf of himself and all other holders of Chase Manhattan cash reserve checking accounts. Holders of such accounts may draw up to $500 beyond their balance and repay it with interest in twenty monthly installments, pursuant to a cash reserve credit agreement entered into between the holder of the...
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