Elijahbuys a high$-$powered tool from A$+$ Toolsto use on the construction of his own garage. A$+$ Tools provides a full warranty on the tool for the first six months. To pay for the tool, Elijah signs a negotiable promissory note that contains the FTC Consumer Credit Notice. A$+$ Tools properly negotiates the note to First Finance. Within three weeks, the tool stops working and A$+$ Tools refuses to repair or replace it$.$ In the meantime, First Finance demands payment from Elijah. Under the Federal Trade Commission rules, this consumer credit situation means First Finance