Emma purchased on a 36-month installment basis the latest model of the Nissan Sentra Sedan car from the Smart Cars Inc. In addition to the advertised selling price, the latter-imposed finance charges consisting of interests, fees and service charges. It did not, however, submit to Emma a written statement setting forth therein the information required by the Truth in Lending Act (RA 3765). Nevertheless, the conditional deed of sale which the parties executed mentioned that the total amount indicated therein included such finance charges. a) Has there been substantial compliance of the aforesaid A