92. Which of the following instances constitute a violation of the Truth in 1 point Lending Act? 0 a. Providing in the loan contract that the creditor may adjust the interest rates in case of extraordinary ination or deation O b. Requiring debtors to sign credit documents and promissory notes in blank and then unilaterally filling them up later on O c. Providing for a penalty charge in addition to the monthly interest 0 d. Not disclosing who drafted the contract 93. The following information must be disclosed by the creditors. except: 1 point 0 a. the cash price or delivered price of the property or service to be acquired O b. the total amount to be financed O c. the finance charge expressed in terms of pesos and centavos 0 d. documentary stamp tax 94. The following lenders are covered by the Truth in Lending Act, except: 1 point a. Banks b. Lessor who rents his property on an installment basis c. Agent of a person in the business of extending loans d. None of the above 95.Jon borrowed from Bank Inidoro, Bank Inidoro asked Jon to sign a 1 point promissory note without indicating the finance charges. What is the status of the contract of loan? a. Unenforceable b. Void c. Valid d. Rescissionso. A debtor may file a civil case for damages against the creditor who fails 1 point to disclose the required information under the Truth in Lending Act within: 0 a. 2 years the date of the occurrence of the violation 0 b. 1 year from the date of the occurrence of the violation 0 c. 3 years from the date of the occurrence of the violation 0 d. a months from the date of the occurrence of the violation 9?. If the non-disclosure by the creditor of the required information is 1 point willful, the following are the remedies available to the debtor, except: 0 a. The debtor may not pay the loan 0 b. The debtor may file a criminal case 0 c. The debtor mas file a civil case for recovery of damages 0 d. The debtor may not pay the finance charges