Which of the Following Was the Result in Paula E

Which of the following was the result in Paula E.Rossman v.Fleet Bank R.I. ) National Association,the case in the text in which the plaintiff sued the defendant after she opened a credit card account based on the promise that no annual fee would be charged;but the policy was changed shortly thereafter,and she was charged an annual fee?

A) That the defendant was liable to the plaintiff because it engaged in a bait-and-switch scheme.
B) That the defendant was liable to the plaintiff because it violated provisions of the Truth in Lending Act.
C) That the defendant committed no violation of the law because its offer disclosed that terms and policies could be changed.
D) That the defendant committed no violation because it was not required to disclose future fees,only current ones.
E) That the defendant committed no violation of the law because it was entitled to change its policies at will.