PER CURIAM:
This is an appeal from a summary judgment for defendant, Citizens & Southern Financial Corporation (Citizens), in a case presenting claims under the Equal Credit Opportunity Act, 15 U.S.C. § 1691(d) and the Truth in Lending Act, 15 U.S.C. § 1639 (repealed 1980, effective Oct. 1, 1982). On June 7, 1982 the original panel opinion, Dorsey v. Citizens & Southern Financial Corp.,
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