JACOBS, Circuit Judge:
Credit-card customer Harley Schnall enjoyed the power to write line of credit ("LOC") checks under the terms of a Cardholder Agreement that treated such checks as creating loan obligations subject to certain disclosed terms. In 1998, defendant-appellee Marine Midland Bank mailed a supply of LOC checks that if used within a stated period would create loan obligations subject to a specially reduced interest rate (the "1998 LOC Checks" or "the...
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