21.   BANK PROFITS MEET OR TOP ESTIMATES BankAmerica and several other large banks met or beat second-quarter earnings expectations as they generated higher fees from consumers and corporations.

22.   Bank executives said growth would come from higher fees from mutual fund management, securities trading and other ventures.

23.   BankAmerica Corp., Bank of New York Corp. and Wachovia Corp. relied on higher fee revenue to offset the growth in bad loans.

24.   Bank customers are paying sharply higher fees as financial institutions ring up record profits, a consumer advocacy group said.

25.   Banks and other companies also started installing machines in gambling casinos and other high-traffic tourist locations, often with much higher fees.

26.   Because of the additional risks involved in making such loans, the company has said, it must charge higher fees in interest rates than conventional lenders do.

27.   A couple hundred thousand dollars were required to tide it over until higher fees kicked in.

28.   A sharply divided commission voted down a reconsideration of the issue in March, despite the fact that PCG would charge significantly higher fees than Cambridge.

29.   According to the Money Fund Report, money funds sold by brokers are more likely to impose higher fees.

30.   Advocacy groups for immigrants criticized the agency for proposing higher fees at a time when many immigrants were struggling with long lines, surly service and bureaucratic delays.