*1 Before TJOFLAT, Circuit Judge, FAY, Senior Circuit Judge, and HANCOCK ^[*] , Senior District Judge.

PER CURIAM:

The facts and procedural history of this case are set out in the district court's opinion reported at 33 F.Supp.2d 1041 (S.D.Fla.1998). For the reasons stated by the district court, id. at 1047-55 (part III.A. through III.C.), we find that the fees at issue do not constitute "interest" for purposes of the usury provisions of the National Bank Act, 12 U.S.C. §§ 85-86 (1994). Accordingly, the judgment of the court is

AFFIRMED. * Honorable James H. Hancock, Senior District Judge for the Northern District of Alabama, sitting by designation.