Unless his action is colorable and a device to avoid the law, a lender may contract for payment, "for his trouble, time and expense in collecting the money for the loan; " 67 "or for the expense of procuring the money;" 68 or for expenses of examination of title and preparation of an abstract where money is lent on the security of real estate,69 Still more clearly expenses incurred or contracted for by the borrower in securing the loan, such as a commission to an agent, do not make the contract of borrowing usurious,70 unless the lender receives part of the

65 Tucker v. Fouts, 73 Fla. 1215, 76 So. 130, L. R. A. 1917 F. 916; Madison University o. White, 25 Hun, 490; Gfeason v. Ghilds, 52 Vt. 421; Mo-Arthur v. Schenck, 31 Wis. 673, 11 Am. Rep. 643.

66 Ahrens v. Kelly, 88 N. J. Eq. 119,

101 Atl. 571; Hamilton v. Brennan, 90 Hun, 340,35 N. Y. S. 805, affd. 154 N. Y. 738, 49 N. E. 1097; Spalding v. Bank of Muskingum, 12 Ohio, 544.

67 Bennett v. Ginsberg, 141 N. Y. App. Div. 66, 67, 125 N. Y. S. 650; citing Thurston v. Cornell, 38 N. Y. 281. See also Stoveld v. Eade, 4 Bing. 81; Houghton v. Burden, 228 U. S. 161, 33 S. Ct. Rep. 491, 57 L. Ed. 780; In re Wilde, 133 Fed. 562; In re Mes*-bovsky, 200 Fed. 562,119 G. G. A. 42; Citizens' Bank v. Murphy, 83 Ark. 31,

102 S W. 607; Iowa Savings, etc., Assoc, v. Heidt, 107 la. 297, 77 N. W. 1050, 43 L. R. A. 689, 70 Am. St. Rep. 197; Barras v. Youngs, 185 Mich. 496, 152 N. W. 219; Swanstrom v. Balstad, 51 Minn. 276, 53 N. W. 648; Spain v. Talcott, 165 N. Y. App. Div. 815, 152 N. Y. S. 611; Portland Trust Co. v. Haveiy, 36 Oreg. 234, 59 Pac. 466, 61 Pac. &46; Righter v. Philadelphia Warehouse Co., 99 Pa. St. 289; Fisher v. Adamson, 47 Utah, 3, 151 Pac. 351; Myers v. Williams, 85 Va. 621, 8 S. E. 483; Testera v. Richardson, 77 Wash. 377, 137 Pac. 998.

68 Bennett v. Ginsburg, 141 N. Y. App. D. 66, 67, 125 N. Y. S. 650. See also Morton v. Thurber, 85 N. Y. 550; Danielson v. Mixon, 109 S. Car. 264, 95 S. E. 515.

69 American Freehold Land Mortgage Co. v. Whaley, 63 Fed. 743; Matthews v. Georgia State Sav. Assoc., 132 Ark. 219, 200 S. W. 130; McCall v. Herrin, 118 Ga. 522, 45 S. E. 442; Cobe v. Guyer, 237 111. 516, 86 N. E. 1071; Comstock v. Wilder, 61 Iowa, 274,16 N. W. 108; Daley v. Minnesota, etc., Inv. Co., 43 Minn. 517, 45 N. W. 1100; White v. Dwyer, 31 N. J. Eq. 40; Seamen's Bank v. McCollough, 221 N. Y. 692, 117 N. E. 1083, affg. 166 N. Y. App. Div. 271,151 N. Y. S. 600; Gault v. Thurmond, 39 Okl. 673, 136 Pac. 742; American Mortgage Co. v. Woodward, 83 S. C. 521, 524, 65 S. E. 739; Liskey v. Snyder, 56 W. Va. 610, 49 S. E. 515. See also Ellenbogen v. Griffey, 55 Ark. 268, 272, 18 S. W. 126.

70 Equitable Mortgage Co. v. Craft, commission or is chargeable as principal within the decisions referred to in another section,700 Nor does the added obligation imposed upon the debtor of paying necessary expenses of collection including attorney's fees.71 If money is payable at a different place from that where it was lent exchange also may lawfully be added to the debtor's payment or obligation.72 But this principle cannot be extended to cover cases where the transaction involves no real exchange.73