Exhibit 76 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 379-5, S.D. Cal. No. 3:21-md-02992)

Record facts

U.S. District Court for the Southern District of California · No. 3:21-md-02992-GPC-MSB · Doc. 379-5 · 2024-11-22 · Docket on CourtListener

Full text

Exhibit 76 
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EDD Debit Card 
Terms and Conditions 
California Employment Development Department Debit Card Account Agreement 
Effective Date March 1, 2018 
By using or allowing another to use your California Employment Development Department Debit Card, you agree to be bound by 
the terms and conditions of this California Employment Development Department Debit Card Account Agreement ("this 
Agreement"). This Agreement discloses the terms and conditions of your California Employment Development Department 
Debit Card and you are not entitled to any rights or benefits given to deposit account customers or debit card holders at Bank of 
America, N.A. unless such rights or benefits are contained in this Agreement. Please read this Agreement and the enclosed Fee 
Disclosure and Other Important Disclosures ("Fee Disclosure") carefully and keep it for future reference In this Agreement: 
"Account" means the account accessed by your Card; "Card" or "Government Prepaid Debit Card" means the Government 
Prepaid Debit Card issued by us on behalf of California Employment Development Department ("EDD") to enable you to receive 
Unemployment or State Disability Insurance benefits to eligible recipients, "you" and "your" mean the recipient to whom we 
issue a Card or his or her legal representative; and "we", "us", and "our" mean Bank of America, N.A. 
1. General Information. 
General Account Information. Your Account is funded by the EDD with deductions for transactions and fees as more 
fully described in this Agreement. No interest is paid on the balance for any period of time. 
Individual Accounts Only. Each Account is individually owned by the recipient who receives payments from the EDD. No 
joint ownership of an Account is permitted. You may have only one Card for each Account. 
Accounts are Not Transferable. Your Account is not transferable to any other person. We reserve the right not to 
acknowledge or accept attempted pledges or assignments of, or purported security interests in, your Account. 
Business Days. For purposes of this Agreement, our business days are Monday through Friday, excluding bank holidays. 
2. Deposits to Your Account and Funds Availability. 
Funds Added to Your Account. Deposits to your Account may only be made by the EDD. We will add funds to your 
Account only (a) in accordance with instructions from the EDD or (b) to remedy an error made by us or by someone who 
has accepted your Account. For information on the amounts and scheduled dates of additions to your Account, please 
contact the EDD. Once funds are properly deposited, the EDD has no rights to any funds in your Account, except as 
otherwise provided by law or the rules of the network used to make the deposit. 
When Funds are Available for Withdrawal. Funds are available for your use on the day we have been instructed by the 
EDD to fund your Account. Once the funds are available, you may make the transactions described below. Funds 
received by us may be delayed for a longer period if there is an emergency, such as failure of computer or 
communications. We will notify you if we delay your ability to make transactions as a result of an emergency and we will 
tell you when funds will be available. 
Overpayments and Reversals. if funds to which you are not entitled are deposited to your Account by mistake or 
otherwise, we may deduct these funds from your Account. If there are not enough funds, we may overdraw your 
Account. We can do this without giving you any prior notice or demand. "Freezing" Your Account. If we suspect 
irregular, unauthorized, or unlawful activities may be involved with your Account, we may "freeze" (or place a hold on) 
the balance pending an investigation of such suspected activities. If we freeze your Account, we will give you a notice 
required by law. 
3. Transfer Types and Limitations. 
Account Access. You may use your Card to: 
(1) Pay for purchases at places that have agreed to accept the Card as described below. 
(2) Withdraw cash from your Account including by way of Emergency Cash Transfers as described below. 
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(3) Transfer funds from your Account to a checking or savings account owned by you in the United States whenever you 
request as described below. 
(4) Pay bills directly [by telephone] from your Account in the amounts and on the days you request 
Some of these services may not be available at all terminals. 
Purchases. Your Card bears the Visa® symbol on the front face. Your Card may be used for purchases at merchants who 
accept Visa debit cards at a point-of-sale ("POS") terminal. Visa transactions may be made by presenting your Card and 
signing the receipt. You may also use your Card for purchases at POS terminals that require a Personal Identification 
Number ("PIN"). Some merchants will accept a transaction for an amount greater than the goods or services purchased 
and will refund the difference to you in cash. 
Use at Cirrus® or Visa Automated Teller Machines. Your Card may be used for transactions at Cirrus or Visa Automated 
Teller Machines ("ATMs") to make cash withdrawals or balance inquiries requiring a PIN. See the Fee Disclosure for fees 
which may apply to ATM transactions. Most ATMs require that cash withdrawals be made in multiples of a dollar 
amount (e.g. $10 or $20). In addition, some ATM operators have maximum amounts that may be withdrawn at a 
machine in one transaction. Many merchants limit the amount of cash that may be obtained in connection with a 
purchase transaction. 
Obtaining Cash. Offices of financial institutions that accept Visa cards, including Bank of America banking centers, will 
accept your Card for obtaining cash. 
Online Funds Transfer. Your Card can be used to transfer funds online to a checking or savings account owned by you in 
the United States, subject to certain restrictions. This type of transfer may only be requested online via the Internet at 
www.bankofamerica.com/eddcard. Once funds are transferred, you will not be able to have the funds returned to your 
Account if the routing number or account number you provide for your checking or savings account is not correct. 
Emergency Cash Transfers. You may obtain cash at a Western Union location in the United States ("Emergency Cash 
Transfer"). All Emergency Cash Transfer requests must be initiated through the Bank of America California Employment 
Development Department Debit Card Service Center (the "Service Center"). All requests for Emergency Cash Transfers 
are subject to the Emergency Cash Transfer Fees stated in the Fee Disclosure. All requests for Emergency Cash Transfers 
are subject to Western Union guidelines which could vary by state and could include certain dollar limits, identification 
requirements and other restrictions. If you request an Emergency Cash Transfer, you agree that we have no liability for 
any losses or damages that you may suffer arising out of any action, non-action or delayed action on the part of Western 
Union or its agents or any other third party. 
Limitations on Frequency of Transfers. You may withdraw up to $1,000 from any ATM each 24-hour period using the 
Card. For security reasons, there may be limits on the amount, number or type of transactions that you can make using 
your Card, and we may restrict access to your Card if we notice suspicious activity. 
Account Alert Service. You may sign up online for text or email alerts (the "Account Alert Service") to the mobile device 
or email address provided by you. Text or email alerts are dependent upon users providing a valid and current Internet 
email address or valid mobile device phone number. You can set up alert messaging options online at 
www.banl<ofamerica.com/eddcard. After signing up for the Account Alert Service, you must respond with an 
appropriate code to an alert sent to your mobile device (double opt-in) in order to begin receiving text message alerts. If 
you do not respond with the code provided in the alert, the Account Alert Service is not authorized. Each message 
references the last four digits of the Card for which the alert is sent. To change your alert messaging options or to 
discontinue the Service, go to www.bankofamerica.com/eddcard. 
If you sign up for the Account Alert Service, you agree that we may send you text alerts through your wireless service 
provider. We do not charge for the Account Alert Service, but you are responsible for all charges and fees associated 
with usage of email or text messages imposed by your Internet, wireless, or cellular service provider(s). 
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Depending on the timing and the delivery mechanism, your balance may not reflect your most recent transactions. We 
assume no responsibility for transactions that may affect your balance after daily processing. 
You understand and agree that the information provided to you by email or text alert is provided "as is' without 
warranty of any kind, either expressed or implied, and that we assume no responsibility for the timeliness, deletion, 
misdelivery, errors in the content of any email or text alerts or failure to store any user communications or 
personalization settings. In no event shall we be liable for any special, incidental, indirect, or consequential damages of 
any kind, or any damages whatsoever resulting from loss of use, data or profits, whether or not advised of the possibility 
of damage, and on any theory of liability, arising out of or in connection with the use or provision of this information. 
The Account Alert Service can be terminated if we determine that your mobile device or email address does not support 
delivery of alerts, or if you have de-listed your mobile device or email address. In addition, we reserve the right at any 
time and from time-to-time to modify or discontinue, temporarily or permanently, the Account Alert Service (or any part 
thereof) with or without notice. 
Refunds and Merchant Disputes. You do not receive cash refunds for returns of merchandise or services purchased 
using your Card. When a merchant gives you a refund, it is made on a credit voucher and will appear in your next 
monthly Account statement or in your Account history. You must settle any disputes you have about the goods or 
services directly with the merchant. We are not liable for any misrepresentations that a merchant makes about the 
goods or services you purchase with your Card, or if a merchant for any reason refuses to accept your Card or fails to 
abide by the applicable network rules governing your Card. 
Legal Transactions. You agree that you will only use your Card for transactions that are legal. For example, Internet 
gambling transactions may be illegal in your state. Display of a Visa or other logo by an on-line merchant does not mean 
that the transaction is legal where you conduct it. You agree that we may decline transactions we believe may be illegal 
or in violation of the applicable network rules. You also agree that if we do not decline the transaction, we may charge 
your Account and we are not liable to you if you engage in an illegal transaction. 
ATM Safety. Please refer to the safety tips for using your Card at ATMs found on the mailer that came with your Card. 
Use of Your Card and PIN. Your Card and PIN are provided for your use and protection and you will: 
(a) Not disclose your PIN or record it on your Card or otherwise make it available to anyone else; 
(b) Use your Card, your PIN and any ATM only as instructed; 
(c) Promptly notify us of any loss or theft of your Card or PIN; and 
(d) Be liable for the authorized or permitted use of your Card and PIN. 
Authorized Use of Card. If you authorize someone else to use your Card or PIN, you will be responsible for any 
transactions initiated by such person(s) with your Card or PIN. Transactions will be considered unauthorized only after 
you notify us that the person is no longer authorized to use your Card. 
Negative Balances. The amount available on your Card will be reduced by the amount of your transactions plus 
applicable fees. There is no overdraft/credit feature on your Account. However, if a negative balance does occur in 
your Account, you agree (a) that we may take the amount of the negative balance from subsequent additions to your 
Account or (b) to pay us on demand the amount of the negative balance 
Fee Disclosure. Bank fees associated with your Card are listed in the Fee Disclosure. These fees are imposed by us and 
retained by us. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network 
used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). 
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Payment of Fees by You. You agree to pay all fees listed in the Fee Disclosure. Fees will be taken from the balance of 
your Account as they occur. The EDD may not charge you any fees in connection with your Card or your Account. 
Foreign Transactions/Fees. If you use your Card to purchase goods or services in a foreign currency or in US dollars with 
a foreign merchant or to obtain currency from an ATM or an office of a financial institution in a foreign country (a 
"Foreign Transaction"), we will assess an International Transaction Fee. Please note that Foreign Transactions include 
U.S. internet transactions made in the U.S. but with a foreign merchant. If the Foreign Transaction is made in U.S. 
dollars, the International Transaction Fee will be the percentage of that U.S. dollar amount as disclosed in the Fee 
Disclosure. If the Foreign Transaction is made in a foreign currency, Visa or Mastercard will convert the transaction into 
a U.S. dollar amount, and the International Transaction Fee will be the percentage of that converted U.S. dollar amount 
as disclosed in the Fee Disclosure. Any International Transaction Fee will be shown in the transaction section of your 
monthly Account statement or in your Account history. The currency conversion rate used by Visa will be either (1) a 
rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing 
date, which rate may differ from the rate Visa receives, or (2) a government-mandated rate in effect for the central 
processing date. The currency conversion rate used by Mastercard will be either (1) a wholesale market rate selected by 
Mastercard, or (2) a government-mandated rate. The rate used by Visa or Mastercard on the processing date may differ 
from the rate on the date of your transaction. 
7. Right to Receive Documentation of Transactions 
a. Terminal Receipts. You usually can get a receipt at the time you make any transaction with your Card at an ATM, 
teller or POS; except that you may not get a receipt if the amount of the transaction is $15 or less. ATM receipts are not 
final because each transaction is subject to verification by us. If the receipt and our records conflict, our records will 
govern. 
b. Preauthorized Credits. You can call us at 1.866.692.9374, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling 
outside the U.S.), to find out whether or not a direct deposit has been made. 
c. Delivery of Statements and Notices. If you request to receive your monthly Account statement by mail, we will 
deliver it to the last address we have on our records for you. [See the Fee Disclosure for the fee for receiving monthly 
Account statements by mail.] You agree to notify us promptly, in writing, at the address listed in Section 11 below, of 
any change of address or you may change your address online at www.bankofamerica.com/eddcard. If you receive your 
monthly Account statement by mail, you may request that rather than receiving it by mail, you may review it 
electronically. If you wish to do so, you may make this request online at www.bankofamerica.com/eddcard or you may 
contact the Service Center at the address or phone number below. 
CARDHOLDERS WHO DO NOT RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL 
Access to Your Account Information. You may obtain information about the amount of money you have remaining in 
your Account by calling 1.866.692.9374, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.). 
That information is also available when you make a balance inquiry at an ATM. This information, along with a 12-month 
history of Account transactions, is also available online at www.bankofamerica.com/eddcard. 
You also have the right to obtain a 24-month written history of Account transactions by calling 1.866.692.9374., 
1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.), or writing to us at: Bank of America, P.O. 
Box 8488, Gray, TN 37615-8488. You will not be charged a fee for this information unless you request it more than once 
per month. 
Prompt Review of Account Information. You agree to promptly review your Account information and to notify the 
Service Center at the address or phone number above at once if any Account information shows transactions that you 
did not make or authorize. Section 11 below has more specific information about disputing transactions, fees, or errors. 
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CARDHOLDERS WHO RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL Monthly Card Account Statements. Upon 
your request, we will provide you with an Account statement monthly for every month in which your Account is open. 
The statement will include information about the transactions you made, deposits, fees and adjustments to your 
Account. A fee may apply to receive a monthly paper statement. For more information see the Fee Disclosure. 
Prompt Review of Statements. You agree to promptly review your monthly Account statements and to notify the 
Service Center at the address or phone number above at once if any statement shows transactions that you did not 
make or authorize. Section 11 below has more specific information about disputing transactions, fees, or errors shown 
on your monthly Account statement. 
Claims or Disputes by Third Parties Concerning Your Account. If a third party makes a claim against funds in your 
Account, or if we have reason to believe there is or may be a dispute over matters such as the ownership of your 
Account or the authority to withdraw funds, we may, in our sole discretion and in accordance with applicable state or 
federal law (a) continue to rely on current enrollment forms or other Account documents, (b) honor the competing claim 
upon receipt of evidence we deem satisfactory to justify such action, (c) freeze all or part of the funds until the dispute is 
resolved to our satisfaction, or (d) pay the funds into an appropriate court of law for resolution. 
Liens and Attachments. Following receipt by us of any notice of lien, process in attachment, garnishment or other 
proceeding relating to you or your Account, we are authorized, without notice to you, unless otherwise required by law, 
to withhold transfer of so much of the balance of your Account as may be the subject of such notice or process, and to 
pay such amount to the court or creditor, in accordance with applicable state or federal law without responsibility to 
you for such withholding or payment or for refusal to honor transfers made by you. 
9. Bank of America's "Zero Liability" 
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for Unauthorized Transactions. Federal law (described in the section below 
entitled "Regulation E Liability Disclosure; Your Liability in Case of Loss, Theft, or Unauthorized Transactions'") may limit 
your liability for unauthorized transactions on your Account, but you may still be liable in some circumstances. Under 
the Bank of America "zero liability" policy, you may incur no liability for unauthorized use of your Card up to the amount 
of the unauthorized transaction, provided you notify us within a reasonable time of the loss or theft of your Card, Card 
number or PIN or its unauthorized use, subject to the following terms and conditions: 
Excluded transactions. Our zero liability policy does not apply to any unauthorized electronic fund transfer on an 
account which does not involve use of a Card or Card number. 
"Unauthorized" defined. A transaction is considered "unauthorized" if it is initiated by someone other than you (the 
cardholder) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is 
not considered "unauthorized" if 1) you furnish your Card, Card number or other identifying information to another 
person and expressly or implicitly give that individual authority to perform one or more transactions, and the person 
then exceeds that authority, or 2) for any other reason we conclude that the facts and circumstances do not reasonably 
"Reasonable" time defined. Reasonable time will be determined in our sole discretion based on the circumstances but 
will not be less than the time frames specified under the Electronic Fund Transfer Act or Regulation E (see Section 10 
below). 
Other considerations. We may ask you for a written statement, affidavit or other information necessary to support your 
claim. If you do not provide the requested materials within the time requested or within a reasonable time if no date is 
stated, and we have no knowledge of the facts or other documentation to further investigate or confirm your claim, our 
Limitation of our Liability. Our liability under this policy is limited to reimbursing you for the amount of your loss up to 
the face amount of any unauthorized card transaction covered by this policy. We are not liable for any claims, losses or 
damages that arise out of your misuse of the Card. We are not liable for any claims of special, indirect or consequential 
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Your Rights under Regulation E. If your claim does not meet the prescribed conditions for reimbursement under the 
above policy, you still retain any consumer rights you may have under Regulation E, as described in Sections 10 and 11 
below, and we will automatically re-examine the claim in accordance with those rights. 
10. Regulation E Liability Disclosure; Your Liability in Case of Loss, Theft, or Unauthorized Transactions. 
Contact Us Promptly. Please contact us at the numbers listed below AT ONCE if you believe your Card has been lost or 
stolen, or if you believe that someone may use or has used your PIN assigned to your Card without your permission. 
Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account. If you 
tell us within two business days after you learn of the loss or theft, you can lose no more than $50 for an unauthorized 
transaction or a series of related unauthorized transfers should someone use your Card or PIN. 
If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN and we can prove 
we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose 
as much as $500. 
Also, if your monthly Account statement or your Account history shows transfers that you did not make, including those 
made by your Card, Card number, PIN or other means, tell us at once. If you receive a monthly Account statement and 
you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after 
the 60 days if we can prove that we could have stopped someone from taking the money if you had contacted us on 
time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. 
If you do not receive a monthly Account statement and do not tell us within 60 days after the earlier of the date you 
electronically access your Account if the error could be viewed in your electronic history or the date we sent the FIRST 
written history on which the error appeared (but in any event within 120 days after the transaction allegedly in error 
was credited or debited to your Account), you may not get back any money you lost after the applicable 60 or 120 day 
period if we can prove that we could have stopped someone from taking the money if you had contacted us on time. If a 
good reason (such as a long trip or hospital stay) keeps you from notifying us, we will extend the time periods. 
NOTE: These liability rules are established by Regulation E which covers accounts that involve the use of a Card. Our zero 
liability policy, as described in Section 9 above, regarding unauthorized transactions may give you more protection, 
provided you report the transactions promptly. You should also note that when you give someone your Card or PIN, you 
are authorizing that person to use your Card and you are responsible for all transactions that person performs with your 
Card or PIN. These transactions are authorized transactions. Transactions are considered unauthorized only after you 
notify us that the person is no longer authorized. Remember, do not write your PIN on your Card or carry your PIN with 
you. This reduces the possibility of someone using your Card without your permission if it is lost or stolen. 
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In Case of Errors or Questions About Your Transactions: 
Telephone us at: 1.866.692.9374 
1.866.656.5913 TTY 
423.262.1650 (Collect, when calling outside the U.S.) 
Or write to: 
Bank of America 
P.O. Box 8488 
Gray, TN 37615-8488 
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Call or write as soon as you can if you think your monthly Account statement or receipt is wrong or if you need more 
information about a transaction listed on the statement or receipt. We must hear from you no later than 60 days after 
we sent the FIRST statement on which the problem or error appeared. You will need to tell us: 
(a) Your name and Card Account number. 
(b) Why you believe there is an error, and the dollar amount involved. 
(c) Approximately when the error took place. 
If you tell us orally, we may require that you send your complaint or question in writing within 10 business days. 
CARDHOLDERS WHO DO NOT RECEIVE MONTHLY ACCOUNT STATEMENTS BY MAIL 
Call or write as soon as you can if you think an error has occurred in your Account. We must allow you to report an error 
until 60 days after the earlier of the date you electronically access your Account, if the error could be viewed in your 
electronic history, or the date we sent the FIRST written history on which the error appeared; but in any event you must 
report the error no more than 120 days after the transaction allegedly in error was credited or debited to your Account. 
You may request a written history of your transactions at any time by calling or writing to us at the numbers and address 
listed above. You will need to tell us: 
(1) Your name and Card Account number. 
(2) Why you believe there is an error, and the dollar amount involved. 
(3) Approximately when the error took place. 
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. 
WHEN YOU WILL HEAR FROM US 
We will determine whether an error occurred within 10 business days after we hear from you—and will correct any 
error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If 
we decide to do this, we will credit your Account within 10 business days for the amount you think is in error, so that 
you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or 
question in writing and we do not receive it within 10 business days, we may not credit your Account. 
For errors involving new accounts, POS, or foreign-initiated transactions, we may take up to 90 days to investigate your 
complaint or question. For new accounts, we may take up to 20 business days to credit your Account for the amount you 
think is in error. 
We will tell you the results within three business days after completing our investigation. If we decide that there was no 
error, we will send you a written explanation. You may ask for copies of the documents that we used in our 
investigation. If you need more information about our error-resolution procedures, call or write to us using the contact 
information listed above. 
12. Our liability for failure to complete transactions. 
If we do not complete a transfer to or from your Account on time or in the correct amount according to this Agreement, 
we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: 
o 
If, through no fault of ours, you do not have enough available money in your Account to make the transaction; 
o
 
If the ATM where you are making the transaction does not have enough cash; 
o 
If the ATM, terminal or system was not working properly and you knew about the breakdown when you started 
the transaction; 
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o 
If circumstances beyond our control (such as power outages, equipment failures, fire or flood) prevent the 
transaction, despite reasonable precautions that we have taken; 
o 
If your Card or PIN has been reported to be, or suspected of being, lost or stolen, and we have taken action to 
prevent transactions with the Card or PIN; 
o
 
If your Account is subject to some legal process, right of setoff or encumbrance restricting the transaction, or if 
the funds in your Account are not immediately available for completing a transaction. 
13. Preauthorized Transactions. 
Right to Stop Payment and Procedure for Doing So. If you have told us in advance to make regular payments out of 
your Account, you can stop any of these payments. Here's how: 
Call us at 1.866.692.9374, 1.866.656.5913 TTY, or 423.262.1650 (Collect, when calling outside the U.S.), or write us at: 
Bank of America, P.O. Box 8488, Gray, TN 37615-8488, in time for us to receive your request three business days or 
more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing 
and get it to us within 14 days after you call. 
Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 
10 days before each payment, when it will be made and how much it will be. 
Our Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop one of these payments three 
business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or 
damages. 
14. Privacy 
As part of establishing your Account, you will receive with your Card a copy of the Prepaid Card Privacy Notice which 
generally addresses our policy for handling and disclosing information for your Card. You may view our Prepaid Card 
Privacy Notice at www.bankofamerica.com/prepaidprivacy. With respect to any information we collect from you as a 
result of your Card, we will only share such information related to your Account, from time to time, subject to any 
applicable financial privacy laws or other laws or regulations, (a) where it is necessary for completing transactions; (b) in 
response to any subpoena, summons, court or administrative order, or other legal process which we believe requires 
our compliance; (c) in connection with collection of indebtedness or to report losses incurred by us; (d) in compliance 
with any agreement between us and a professional, regulatory or disciplinary body; (e) in connection with potential 
sales of businesses; (f) to service providers who help us meet your needs by assisting us in providing the services under 
this Agreement; or (g) If you give us your written permission. 
15. Recording and Monitoring Telephone Calls. 
We may record or monitor telephone calls between you and us. We need not remind you of our recording or monitoring 
before each call unless required to do so by law. 
16. Amendment/Termination. 
Amendments. We may, at any time, change the terms and conditions in this Agreement, including the amount of any 
fee. We may add new terms and conditions and we may delete or amend existing terms and conditions. We generally 
send you at least 21 days' advance notice of an adverse change, including increased fees to you, increased liability for 
you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of 
transfers. If a change is not adverse to you, however, we may make the change at any time without advance notice. If 
you do not agree with the change, you may close your Account. However, if you continue to use your Account or keep it 
open, you accept and agree to the change. 
Our Closure or Suspension of Your Account. We may close or suspend your Account at any time. Your Card remains our 
property. We may cancel your right to use your Card at any time. Once your Account has been closed, you agree to 
discontinue using your Card. If we close your Account, we may, at our option, apply the remaining balance to a new 
account for your benefit. If you have not spent the remaining balance prior to Account closure, you may contact the 
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Service Center to request a check for the remaining balance, less the Paper Check Fee. 
Your Closure of Your Account. If, at the time you close your Account, all transactions have cleared and there is no 
remaining balance, your Account will be closed to further use. If there is a remaining balance, you may use your Card to 
reduce the balance to zero before closing your Account. Alternatively, you can contact the Service Center to request a 
check for the remaining balance of your Account, less the Paper Check Fee, or request an Emergency Cash Transfer. You 
understand that you are responsible for negative balances that occur after your notice of closure to the same extent as 
provided in this Agreement for an open Account. You agree to destroy your Card after your Account is closed. 
17. Unclaimed Property. 
Any remaining unclaimed balance will be reported and remitted as unclaimed property to the appropriate state as 
required by state law after a period of time defined by that state's law. After we turn the funds over to the state, we 
have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. 
This Agreement will be governed by the laws and regulations of the United States and, to the extent not so covered, by 
the laws and regulations of the State of California. A determination that any part of this Agreement is invalid or 
unenforceable will not affect the remainder of this Agreement. 
19. English Document Controlling. 
As a service that we may provide to you at your request, we may communicate certain information to you in Spanish. 
Any legal clarifications which may need to be made will be based on the use and application of the English versions, 
including but not limited to this Agreement and the Fee Disclosure. 
20. Fee Disclosure and Other Important Disclosures. 
A copy of our Fee Disclosure and Other Important Disclosures is included with, and incorporated in, this Agreement. 
CONFIDENTIAL 
BANA EDD MDL-00536406 
Case 3:21-md-02992-GPC-MSB     Document 379-5     Filed 11/22/24     PageID.14500 
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