We have branches in two different market areas and would like to charge different amounts for docunment fees based on the areas market prices. Our problem is that we have branches in between these areas that would possible be serving persons from both areas. The outlying branchs would have the lower of the two fees. Could there be a fair lending issue in doing this?

-- Debbie Clayborn (dclayborn@anbcorp.com), February 24, 2000