MEMORANDUM OPINION
MARSHALL, District Judge.
Plaintiff Eleanor Sarafin is a retail purchaser who claims she has received consumer credit under an "Easy Payment-Modernizing Credit Plan" (the Plan) offered by defendant Sears, Roebuck and Company, Inc. (Sears). In her second amended complaint, she charges that in extending credit under this plan Sears failed to disclose the annual percentage rate of the finance
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