Our bank wants to offer a personal revolving line of credit to customers wanting loans under $2,000. They want to charge a $25.00 set up fee, a $25.00 annual fee and a $5.00 per draw fee. I think we might have some issues with Fin charge and refunds. I am fairly new to compliance and my weak area is lending. AL mini code is hard for me to understand. I need someone to help me with this. THANKS!!