Mr. Begala obtained a sixty-month car loan from PNC Bank, which provided the disclosures required under the Truth-in-Lending Act. On nine occasions during the life of the loan, the bank sent him a letter offering him a payment holiday. During this holiday, he could pay a small fee, skip his monthly payment, and add that month onto the rest of the loan. The letters did not state that additional finance charges would be added to the loan as a result of his deferral of monthly payments. Begala took advantage of each of these payment holidays. When he made his final payment on the loan, PNC told him that he owed an additional $1,000 due to his deferrals of the monthly payments. He filed a class action, alleging that the bank violated its duty under TILA to disclose the additional finance charges assessed on his loan due to the payment holidays. How should the court rule? Did PNC act ethically? [Begala v. PNC Bank, 163 F.3d 948 (6th Cir. 1998), cert. denied, 528 U.S. 868 (1999).]