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Appendix of Exhibits — In re Bank of America California Unemployment Benefits Litigation (Dkt. 350-1, S.D. Cal. No. 3:21-md-02992)

Summary

The appendix of exhibits to the declaration of Laura Brys supporting Bank of America, N.A.'s opposition to the plaintiffs' motion for class certification, filed 10/24/24 as Document 350-1 in In re Bank of America California Unemployment Benefits Litigation, Case 3:21-md-02992-GPC-MSB. It was filed provisionally under seal under the stipulated protective order, with the motion set for hearing on January 17, 2025 before Hon. Gonzalo P. Curiel. The index lists expert material from Victor Stango, Teresa A. Pesce, Russell Cronan, Pamela Joseph and Stephen Hindle, and declarations from bank employees including Jennifer Lennon. It also lists news reports on California unemployment fraud estimates, legislative hearing materials, deposition excerpts and bank documents identified by Bates number.

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Filed October 24, 2024 in In re Bank of America California Unemployment Benefits Litigation; one of 1602 filings from this case.

Record facts

Court	U.S. District Court for the Southern District of California
Filed	2024-10-24

Cite this document

“Appendix of Exhibits — In re Bank of America California Unemployment Benefits Litigation (Dkt. 350-1, S.D. Cal. No. 3:21-md-02992).” U.S. District Court for the Southern District of California, No. 3:21-md-02992-GPC-MSB, Doc. 350-1, filed 2024-10-24. Archived at Pandemic Darlings, https://pandemicdarlings.com/court-filings/full-docket-bofa-ca-unemployment-casd-709615/2024-10-24-gov-uscourts-casd-709615-350-1-gov-uscourts-casd-709615-350-1/, SHA-256 a53eb862c4e40fbe9b067428a2766fde50fb613b9771323ad77bd76184088141.

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Full text

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JAMES W. MCGARRY (pro hac vice) 
JMcGarry@goodwinlaw.com 
GOODWIN PROCTER LLP 
100 Northern Avenue 
Boston, MA 02210 
Tel.: +1 617 570 1000 
Fax: +1 617 523 1231 
SABRINA M. ROSE-SMITH (pro hac vice) 
SRoseSmith@goodwinlaw.com 
MATTHEW L. RIFFEE (pro hac vice) 
MRiffee@goodwinlaw.com 
GOODWIN PROCTER LLP 
1900 N Street, NW 
Washington, DC 20036 
Tel.: +1 202 346 4000 
Fax: +1 202 346 4444 
Attorneys for Defendant  
BANK OF AMERICA, N.A. 
UNITED STATES DISTRICT COURT 
SOUTHERN DISTRICT OF CALIFORNIA 
SAN DIEGO DIVISION 
IN RE: BANK OF AMERICA 
CALIFORNIA UNEMPLOYMENT 
BENEFITS LITIGATION 
Case No. 3:21-md-02992-GPC-MSB 
APPENDIX OF EXHIBITS TO 
THE DECLARATION OF LAURA 
BRYS IN SUPPORT OF 
DEFENDANT’S MEMORANDUM 
IN OPPOSITION TO PLAINTIFFS’ 
MOTION FOR CLASS 
CERTIFICATION  
Date: January 17, 2025 
Time: 1:30 p.m. 
Ctrm: 2D – 2nd Floor  
Judge: Hon. Gonzalo P. Curiel 
FILED PROVISIONALLY UNDER 
SEAL PURSUANT TO 
STIPULATED PROTECTIVE 
ORDER 
Case 3:21-md-02992-GPC-MSB     Document 350-1     Filed 10/24/24     PageID.10874 
Page 1 of 8

 
AOE TO BRYS. DECL. ISO CLASS CERT OPP. 2 
CASE NO. 21-MD-02992-GPC-MSB 
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INDEX OF EXHIBITS TO BRYS DECLARATION 
 
Exhibit # Document Description 
Bates Range 
Conf. 
Desig. 
1 
Expert Report of Victor Stango 
- 
AEO 
2 
Expert Declaration of Teresa A. 
Pesce 
- 
AEO 
3 
Expert Declaration of Russell 
Cronan 
- 
AEO 
4 
Expert Declaration of Pamela 
Joseph 
- 
Conf. 
5 
Expert Declaration of Stephen 
Hindle 
- 
Conf.  
6 
Declaration of Michael J. Letson - 
AEO 
7 
Declaration of William M. 
Martin 
- 
AEO 
8 
Declaration of Jennifer Lennon 
- 
AEO 
9 
Declaration of Kelley Lorenzen 
- 
Conf. 
10 
Patrick McGreevy, “California 
unemployment fraud could top 
$9 billion, double previous 
estimate, expert warns,” L.A. 
Times, January 15, 2021 
- 
N/A 
11 
David Manoucheri, “Analysis 
shows California EDD fraud at 
$32.6 billion and counting,” 
KCRA3, October 6, 2022 
- 
N/A 
12 
 
 
BANA_EDD_MDL-
00884200 
Conf. 
13 
“Legislative Oversight of 
Ongoing Challenges at EDD,” 
January 26, 2021 
- 
N/A 
14 
“Examining Widespread Fraud 
in Pandemic Unemployment 
Relief Programs,” September 10, 
2024 
- 
N/A 
15 
Matt Weidinger, “New Report 
Details Lessons from the 
Massive Pandemic 
- 
N/A 
Case 3:21-md-02992-GPC-MSB     Document 350-1     Filed 10/24/24     PageID.10875 
Page 2 of 8

 
AOE TO BRYS. DECL. ISO CLASS CERT OPP. 3 
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Exhibit # Document Description 
Bates Range 
Conf. 
Desig. 
Unemployment Fraud,” AEI, 
September 11, 2024 
16 
Employment Development 
Department “Fraud Deterrence 
and Detection Activities,” 2020 
- 
N/A 
17 
Letter from Elaine M. Howle, 
November 19, 2020 
- 
N/A 
18 
William Golden Deposition 
Excerpts 
- 
AEO 
19 
 
 
BANA_EDD_MDL-
00719114 
Conf. 
20 
 
 
BANA_EDD_MDL-
00719116 
Conf. 
21 
 
 
BANA_EDD_MDL-
00014090 
Conf.  
22 
Cardholder Agreement 
BANA_EDD_MDL-
00440225 
Conf. 
23 
Excerpt of BANA’s Response to 
Fourth Set of ROGs (ROGs 28 
and 34) 
- 
Conf. 
24 
Robert A. Chestnut Deposition 
Excerpts  
- 
Conf. 
25 
 
 
BANA_EDD_MDL-
00353033 
Conf.  
26 
 
 
BANA_EDD_MDL-
00678567 
Conf.  
27 
 
  
BANA_EDD_MDL-
00117094 
Conf.  
28 
 
 
BANA_EDD_MDL-
00087245 
Conf. 
29 
Renee Johnson Deposition 
Excerpts 
- 
Conf. 
30 
 
 
BANA_EDD_MDL-
00884196 
AEO 
31 
 
BANA_EDD_MDL-
00884195 
AEO 
32 
 
BANA_EDD_MDL-
00044103 
AEO 
Case 3:21-md-02992-GPC-MSB     Document 350-1     Filed 10/24/24     PageID.10876 
Page 3 of 8

 
AOE TO BRYS. DECL. ISO CLASS CERT OPP. 4 
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Exhibit # Document Description 
Bates Range 
Conf. 
Desig. 
33 
 
 
BANA_EDD_MDL-
00882697 
AEO 
34 
Quoc Huynh ROG Response 
Excerpt (ROG 7) 
- 
N/A 
35 
 
 
BANA_EDD_MDL-
00044190 
AEO 
36 
 
BANA_EDD_MDL-
00044206 
AEO 
37 
Perez ROG Responses Excerpt 
(ROG 7) 
- 
N/A 
38 
 
BANA_EDD_MDL-
00044237 
AEO 
39 
Rodriguez ROG Responses 
Excerpt (ROG 7) 
- 
N/A 
40 
 
BANA_EDD_MDL-
00044256 
AEO 
41 
 
 
BANA_EDD_MDL-
00164188 
Conf. 
42 
 
 
BANA_EDD_MDL-
00164189 
Conf. 
43 
BANA’s Second Set of 
Responses to Plaintiffs’ Seventh 
Set of ROGs (ROG 39) 
- 
Conf. 
44 
January 29, 2024 Letter from 
Karin B. Swope 
- 
N/A 
45 
 
 
BANA_EDD_MDL-
00883990 
AEO 
46 
 
BANA_EDD_MDL-
00044243 
AEO 
47 
 
Yick_J_0000089 
Conf. 
48 
February 9, 2021 email from 
Rosemary Mathews  
Mathews_R_0000100-01 
N/A 
49 
Wiggins Notice of 
Determination from EDD 
Wiggins_B_0000196-204 N/A 
50 
Cajas Notice of Determination 
from EDD 
Cajas_C_0000383 
N/A 
51 
 
 
Smith_J_0000070 
Conf. 
Case 3:21-md-02992-GPC-MSB     Document 350-1     Filed 10/24/24     PageID.10877 
Page 4 of 8

 
AOE TO BRYS. DECL. ISO CLASS CERT OPP. 5 
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Exhibit # Document Description 
Bates Range 
Conf. 
Desig. 
52 
December 2, 2023 email to 
Cindy Baker  
Baker_C_0000360-61 
N/A 
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Smith ROG Response Excerpt 
(ROG 5) 
- 
N/A 
54 
OIG Report, December 15, 2023 - 
N/A 
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Aders Copy of Conviction 
- 
N/A 
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Gage Minutes from Preliminary 
Hearing 
- 
N/A 
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Corella Plea Agreement 
- 
N/A 
58 
 
 
BANA_EDD_MDL-
00884193 
AEO 
59 
 
 
BANA_EDD_MDL-
00884004 
AEO 
60 
 
 
BANA_EDD_MDL-
00884000 
AEO 
61 
 
 
BANA_EDD_MDL-
00884002 
AEO 
62 
 
 
BANA_EDD_MDL-
00884006 
AEO 
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Meza Deposition Excerpt 
- 
N/A 
64 
 
BANA_EDD_MDL-
00138908 
AEO 
65 
Morales ROG Responses 
Excerpt (ROG 7) 
- 
N/A 
66 
 
BANA_EDD_MDL-
00134198-202 
AEO 
67 
 
BANA_EDD_MDL-
00699378-80 
AEO 
68 
 
 
BANA_EDD_MDL-
00136297-301 
AEO 
69 
 
 
BANA_EDD_MDL-
00136304-05 
AEO 
70 
 
 
BANA_EDD_MDL-
0013606-308 
AEO 
71 
 
BANA_EDD_MDL-
00000002 
Conf.  
72 
 
BANA_EDD_MDL-
00000001 
Conf.  
Case 3:21-md-02992-GPC-MSB     Document 350-1     Filed 10/24/24     PageID.10878 
Page 5 of 8

 
AOE TO BRYS. DECL. ISO CLASS CERT OPP. 6 
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Exhibit # Document Description 
Bates Range 
Conf. 
Desig. 
73 
 
BANA_EDD_MDL-
00044219 
AEO 
74 
Johnson’s ROG Response 
Excerpt (ROG 12) 
- 
N/A 
75 
Murphy Supp. ROG Response 
Excerpt (ROG 3) 
- 
N/A 
76 
Glassflowers Supp. ROG 
Response Excerpt (ROG 3) 
- 
N/A 
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BANA_EDD_MDL-
00044172 
AEO 
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BANA_EDD_MDL-
00741475 
AEO 
79 
Larry D. Turner Testimony, 
February 8, 2023 
- 
N/A 
80 
 
 
 
 
- 
Conf. 
81 
 
 
- 
Conf. 
82 
 
BANA_EDD_MDL-
00718718 
AEO 
83 
Brian Faler, “Unemployment 
assistance to millionaires soared 
during pandemic,” Politico, 
November 22, 2022 
- 
N/A 
84 
 
 
- 
Conf. 
85 
BANA Revised Supplemental 
Responses to ROGS (Set 1) 
(ROGS 14 and 15) 
- 
Conf. 
86 
Exhibit 4 to BANA’s Responses 
to ROGs 14 and 15 
- 
AEO  
87 
U.S. GAO Report, Mar. 17, 2022 - 
N/A 
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CA State Auditor; “Weaknesses 
in EDD’s Approach,” Jan. 2021 
- 
N/A 
89 
CA State Auditor; “EDD’s Poor 
Planning,” Jan. 2021 
- 
N/A 
Case 3:21-md-02992-GPC-MSB     Document 350-1     Filed 10/24/24     PageID.10879 
Page 6 of 8

 
AOE TO BRYS. DECL. ISO CLASS CERT OPP. 7 
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Exhibit # Document Description 
Bates Range 
Conf. 
Desig. 
90 
Letter to the CA State Auditor, 
Jan. 11, 2021 
BANA_EDD_MDL-
00080296 
Conf. 
91 
Milbourn, Orange County 
Register, Mar. 16, 2021 
- 
N/A 
92 
Collection of FinCen Press 
Releases 
- 
N/A 
93 
OCC; “Semi-Annual Risk 
Perspective,” Spring 2021 
- 
N/A 
94 
DOJ: “COVID-19 Fraud 
Enforcement Task Force 2024 
Report” 
- 
N/A 
95 
DOJ: “Unemploment Insurance 
Fraud Consumer Protection 
Guide” Sept. 21, 2020 
- 
N/A 
96 
Secret Service Warning, May 14, 
2020 
- 
N/A 
97 
Michael J. Letson Deposition 
Transcript Excerpts 
- 
AEO 
98 
Shane Daniels Deposition 
Transcript Excerpts  
 
Conf. 
99 
 
  
BANA_EDD_MDL-
00087715 
Conf. 
100 
 
 
BANA_EDD_MDL-
00570333 
Conf. 
101 
 
 
BANA_EDD_MDL-
00884199 
Conf. 
102 
 
 
BANA_EDD_MDL-
00019602 
Conf. 
103 
 
 
BANA_EDD_MDL-
00088501 
Conf. 
104 
BANA’s Responses to Fifth 
ROGs Excerpts 
- 
Conf. 
105 
Exhibit 11 to BANA’s Fifth Set 
of ROG Responses 
- 
Conf. 
106 
OCC Handbook: Corporate and 
Risk Governance 
- 
N/A 
107 
OCC Handbook: Internal 
Controls 
- 
N/A 
Case 3:21-md-02992-GPC-MSB     Document 350-1     Filed 10/24/24     PageID.10880 
Page 7 of 8

 
AOE TO BRYS. DECL. ISO CLASS CERT OPP. 8 
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Exhibit # Document Description 
Bates Range 
Conf. 
Desig. 
108 
OCC Bulletin 2019-37, July 24, 
2019 
- 
N/A 
109 
OCC Handbook: Large Bank 
Supervision 
- 
N/A 
110 
Fed. Reserve System, Electronic 
Fund Transfers, 71 Fed. Reg. 
1638, 1654 (Jan 10. 2006) 
- 
N/A 
111 
OCC Handbook: Compliance 
Management Systems 
- 
N/A 
112 
 
 
 
BANA_EDD_MDL-
00073529 
Conf. 
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BANA_EDD_MDL-
00151781 
Conf. 
114 
 
  
BANA_EDD_MDL-
00118617 
Conf. 
115 
 
  
BANA_EDD_MDL-
00061630 
Conf. 
116 
 
 
BANA_EDD_MDL-
00719115 
Conf.  
117 
 
 
BANA_EDD_MDL-
00012816 
Conf.  
118 
 
 
BANA_EDD_MDL-
00013111 
AEO 
119 
ContactBabel, 2021 US Contact 
Decision-Makers’ Guide, 13th 
Ed. 
- 
N/A 
120 
 
 
BANA_EDD_MDL-
00884198 
Conf. 
121 
  
BANA_EDD_MDL-
00088506 
Conf. 
122 
Martin Deposition Transcript 
Excerpts 
- 
AEO 
 
 
Case 3:21-md-02992-GPC-MSB     Document 350-1     Filed 10/24/24     PageID.10881 
Page 8 of 8

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