UNPUBLISHED UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT No. 98-2540 VERNOY KENNEDY, Plaintiff - Appellant, versus FIRST OMNI BANK N.A., Defendant - Appellee, and EQUIBANK CREDIT SERVICES; GERALDINE KENNEDY; EQUIFAX, INCORPORATED/CREDIT BUREAU; TRW, INCORPORATED, Defendants. Appeal from the United States District Court for the District of South Carolina, at Greenville. Henry M. Herlong, Jr., District Judge. (CA-97-947-6-20) Submitted: March 9, 1999 Decided: March 22, 1999 Before WILLIAMS, MOTZ, and TRAXLER, Circuit Judges. Affirmed by unpublished per curiam opinion. James J. Raman, Spartanburg, South Carolina, for Appellant. Rivers Stilwell, NELSON, MULLINS, RILEY & SCARBOROUGH, L.L.P., Greenville, South Carolina, for Appellee. Unpublished opinions are not binding precedent in this circuit. See Local Rule 36(c). PER CURIAM: Vernoy Kennedy appeals the district court’s order granting summary judgment for First Omni on Kennedy’s claims under the Truth in Lending Act, 15 U.S.C. § 1642 (1994), and remanding the remain- ing claim to the state courts. We have reviewed the record and the district court’s opinion and find no reversible error. According- ly, we affirm on the reasoning of the district court. See Kennedy v. First Omni Statutory Actions, No. CA-97-947-6-20 (D.S.C. Sept. 16, 1998). We dispense with oral argument because the facts and legal contentions are adequately presented in the materials before the court and argument would not aid the decisional process. AFFIRMED 2