Metrocorp, Inc. - Page 35

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          insurance”, majority op. pp. 21-22.  In my view, the record and             
          12 U.S.C. secs. 1815 and 1817 (1994) regarding the nature, use,             
          and purpose of those nonrefundable fees, which were paid in five            
          annual installments, belie the majority’s analogy of the exit fee           
          and the entrance fee to premiums paid for insurance coverage                
          provided.                                                                   
               THORNTON, J., agrees with this concurring opinion.                     

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