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ii. The sum, over time on the evaluation period, with the lender's loans in all solution traces originated or purchased in the ability-based mostly evaluation location or outdoors retail lending spot.) The allocation of loans, investments, providers, and goods to a bank, or among the affiliated banking companies, must replicate an inexpensive found

) The variety of retail banking solutions and retail banking solutions offered by means of digital delivery methods together with other shipping programs; andThe surface retail lending place is comprised of component geographic locations. A component geographic location is any MSA or even the nonmetropolitan spot of any State, or part thereof, inco