Savings Passbook Account
Monthly minimum balance fee if the daily balance falls below $100.00 any day of the month	$1.00
Retirement Accounts
DCP (Defined Contribution Plan) Annual fee	$22.50
IRA (Individual Retirement Account) Annual fee (Annual fees for retirement accounts will be assessed if plan closes)	$15.00
Outgoing Transfer Fee (IRA or DCP)	$15.00
Lump Sum and Partial Distributions (IRA or DCP)	$15.00
Periodic Distributions (IRA or DCP) per year	$15.00
Classic Checking
Monthly minimum balance fee if the daily balance falls below $250 any day of the account cycle period. Fee is waived for accounts with direct deposit	$5.00
Business Checking
Set fee each month regardless of balance	$10.00
Other Account Fees
ATM/POS/Debit Card/NSF	$15.00
Returned electronic debit (ACH)	$15.00
Items returned for any reason	$15.00
Deposited checks returned (any reason)	$10.00
Stop payment (original order)	$15.00
Stop payment (renewal)	$15.00
Stop payment (Cashiers check)	$15.00
Special statement or statement copy	$5.00
Copy of paid check (per item)	$4.00
Account Reconciliation (per hour)	$25.00
Account Research (per hour)	$25.00
Check printing charges Fee depends on style and quantity ordered
Coin deposits 5% of amount deposited over 10.00
Replacement of lost passbook	$5.00
Account closed within 90 days	$5.00
Photocopying (each)	20¢
Microfilm copies (each)	$1.00
Cashiers Checks	$4.00
Travelers checks (American Express)	1% of purchase value
Travelers checks (American Express cheques for two per 100.00)	$1.00
Wire transfers (incoming/outgoing, per item)	$15.00
Foreign Wire (incoming/outgoing)	$35.00
Telephone transfer	$3.00
Collection items (foreign)	$25.00
Collection items (U.S.)	$15.00
Copy of deposited item	$5.00
Coupon collection (per envelope)	$15.00
No book withdrawals	$1.00
Copy of paid Cashiers check	$5.00
Check Imaged Copies (per copy)	$1.00
Automatic transfer from account to cover overdraft	$2.00
Debit/ATM/POS Transactions Fees
Unlimited use of La Jolla Bank ATM machines	FREE
Non-La Jolla Bank ATM transactions 6 free per monthly cycle, thereafter, 50¢ each
ATM/Debit Card Replacement Fee	$5.00
Discretionary Fee for lost or stolen ATM/Debit Card	$10.00
Rush Fee for ATM/Debit card (2nd Day)	$25.00
Rush Fee for ATM/Debit card (overnight)	$55.00
Special Currency Requests	$35.00
Dormant Account Escheat Fee Notice	$2.00
Dormant Account Charge Notice	$2.00

Notary Fees (free with minimum balance of $10,000)
Fees charged by a notary public for the following services shall not exceed the fees prescribed by this section.
(a) For taking an acknowledgment or proof of a deed, or other instrument, to include the seal and the writing of the certificate, the sum of ten dollars ($10) for each signature taken.
(b) For administering an oath or affirmation to one person and executing the jurat, including the seal, the sum of ten dollars ($10).
(c) For all services rendered in connection with the taking of any deposition, the sum of twenty dollars ($20), and in addition thereto, the sum of five dollars ($5) for the certificate to such deposition.
(d) For every protest for the nonpayment of a promissory note or for the nonpayment or nonacceptance of a bill of exchange, draft, or check, the sum of ten dollars ($10).
(e) For serving every notice of nonpayment of a promisory note or of nonpayment or non-acceptance of a bill of exhange, order, draft, or check, the sum of five dollars ($5).
(f) For recording every protest, the sum of five dollars ($5).
(g) No fee shall be charged to notarize signatures on absentee ballot identification envelopes or other voting materials. (Amended by Statutes 1993, c. 1044, operative January 1, 1994.)

Legal Process
Attachments, levies and subpoenas will be billed at cost or as specified by law. Our maximum search and processing cost is $24.00 per hour. A minimum $50.00 deposit is required before research commences.

Personal Certificate Account
Early Withdrawal Penalties
We will impose a penalty if you withdraw any or all of the principal in your certificate of deposit account before the maturity date. The fee imposed will be determined by the following schedule.

The actual number of days in the stated period will be used.

Account Term	Penalty Amount
CD term of 1 day - 180 days:	One month loss of interest, accrued or not.
CD term of 181 days - 365 days:	Two months loss of interest, accrued or not.
CD term of 366 days - 730 days:	Three months loss of interest, accrued or not.
CD term of over 730 days:	Six months loss of interest, accrued or not.

Organization/Corporation Certificate Account
Early Withdrawal Penalties
We will impose a penalty of $1,000 if you withdraw any or all of the principal in your certificate of deposit before your maturity date. Also, all earnings previously paid and accrued will be forfeited.

ATM Fees and Surcharges
ATM withdrawal and transfers are free from service charges by La Jolla Bank ATM machines. Some ATM owners may impose a surcharge if you use their machines. If an ATM owner assesses a surcharge, the fee must be shown on the ATM screen before you complete your transaction. If you do not want to pay a surcharge, cancel the transaction and: