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Bank of America, 22 Cal. App. 4th 205, 215 17 (1994) (returned check fees of $3.00 set in non oligopolistic banking market do not violate UCL even though twice bank's costs); Beasley v. Wells Fargo Bank, 235 Cal. App. 3d 1383, 1400 (1991) (affirming $5.2 million judgment for excessive late fees and over limit fees); Shadoan v. World Sav. ................
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