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Home Court filings Bofa Ca Unemployment In re: Bank of America California Unemployment Benefits Litigation — S.D. Cal., No. 21-md-02992 Exhibit 2 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 454-3, S.D. Cal. No. 3:21-md-02992)

Court filing

Exhibit 2 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 454-3, S.D. Cal. No. 3:21-md-02992)

Filed April 11, 2025 in In re Bank of America California Unemployment Benefits Litigation; one of 1415 filings from this case.

Record facts

CourtU.S. District Court for the Southern District of California
Filed2025-04-11

U.S. District Court for the Southern District of California · No. 3:21-md-02992-GPC-MSB · Doc. 454-3 · 2025-04-11 · Docket on CourtListener

Full text

EXHIBIT 2
FILED 
PROVISIONALLY 
UNDER SEAL WITH 
REDACTIONS 
PURSUANT TO 
STIPULATED 
PROTECTIVE ORDER
Case 3:21-md-02992-GPC-MSB     Document 454-3     Filed 04/11/25     PageID.26481 
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SAN FRANCISCO 
LOS ANGELES 
SEATTLE 
NEW YORK 
 
LAW OFFICES 
COTCHETT, PITRE & McCARTHY, LLP 
SAN FRANCISCO AIRPORT OFFICE CENTER 
840 MALCOLM ROAD 
BURLINGAME, CALIFORNIA 94010 
TELEPHONE (650) 697-6000 
FAX (650) 697-0577 
cpmlegal.com 
 
 
 
December 16, 2024 
Sent via email to:  
Hon. Michael S. Berg 
efile_berg@casd.uscourts.gov 
 
 
Re: 
Zoom Discovery Conference on Dec. 23, 2024, 9:00 a.m. –In re Bank of America 
California Unemployment Benefits Litig., No. 3:21-md-02992-GPC-MSB (S.D. Cal.) 
Dear Judge Berg:  
 
Plaintiffs submit this letter brief regarding the Bank’s refusal to produce for deposition its 
CEO Brian T. Moynihan (“BTM”) and former COO Thomas Montag, based on the apex doctrine. 
The objection lacks merit. As Judge Curiel already ruled in compelling the Bank’s production of 
Moynihan and Montag’s documents, both witnesses possess unique knowledge that is central to 
Plaintiffs’ claims, including for punitive damages. Dkt. No. 298 at 11. Plaintiffs have at this point 
at the close of fact discovery adequately exhausted other avenues of inquiry, including 
interrogatories and the testimony of multiple 30(b)(6) and other Bank witnesses. No other Bank 
witnesses were party to discussions between Moynihan and Montag or between Moynihan and the 
Board of Directors about the Bank’s decisions to implement and continue to use the Claim Fraud 
Filter (CFF) that harmed over 
 class members. The evidence shows that these decisions 
were driven and ultimately made by Moynihan, who uniquely reported to the Board on 
 
, and by Montag, who 
ran the Global Banking and Markets (“GBAM”) group that “owned” the UI card program, directed 
development of the CFF 
 
. That the apex doctrine cannot bar these depositions is made clear by Judge 
Curiel’s findings in ruling on Plaintiffs’ prior motion to compel ESI custodians, in which the Bank 
relied on an argument based on the apex doctrine to resist document discovery from these witnesses. 
In rejecting that argument, the Court found: 
 
The FAMCC seeks punitive damages. (Dkt. No. 136, FAMCC, Prayer ¶¶ 3-4.) . . . At trial, 
Plaintiffs will need evidence of motive, intent, or knowledge and ratification by an officer, 
director or managing agent to support an award of punitive damages. . . . [I]mportant for 
punitive damages is what Moynihan and Montag ‘knew about the CFF, its impact on 
legitimate EDD cardholders, when they knew it, what action they directed, 
authorized, or ratified, and why.’ (Dkt. No. 278-1 at 15-16). The Court agrees with 
Plaintiffs that ESI from Moynihan and Montag concerning punitive damages can 
only be obtained by them, and not from sources already designated. 
Dkt. No. 298 at 11 (emphasis added); In re Bank of America California Unemployment Benefits 
Litigation, 2024 WL 3174874, at *6 (S.D. Cal. June 25, 2024) (emphasis added). Accordingly, the 
Case 3:21-md-02992-GPC-MSB     Document 454-3     Filed 04/11/25     PageID.26482 
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LAW OFFICES 
In re BofA Unemployment Benefits Litigation 
COTCHETT, PITRE & McCARTHY, LLP 
December 16, 2024 
 
Page 2 
Court found that Plaintiffs had demonstrated “that Moynihan and Montag possess ‘uniquely 
relevant information that is not available from the sources already designated’ as it concerned 
punitive damages.” Id. (emphasis added). The Court’s reasoning applies equally to the noticed 
depositions. Based on their specific roles vis a vis the CFF Policy, both witnesses have unique 
“evidence of motive, intent, or knowledge and ratification by an officer, director or managing agent 
to support an award of punitive damages.”  Id. 
 
The evidence shows that the 
 
 
 (Exs. 1-3). Information regarding what was 
communicated between Moynihan and the Board, separate and distinct from 
 
, cannot reasonably be obtained from any other source. Moynihan’s testimony will show what 
he and the Board knew when they allowed the Bank to implement and continue to use the CFF despite 
the consequences. This information is central to many of Plaintiffs’ claims relating to issues of 
willfulness, knowledge, intent, notice and, as recognized in Judge Curiel’s prior Order, punitive 
damages. Courts routinely compel the deposition of CEOs and other high-level executives where, as 
here, there is evidence they attended key meetings, were members of decision-making committees, or 
otherwise had percipient knowledge of relevant issues. See In re Nat’l W. Life Ins. Deferred Annuities 
Litig., No. 05-CV-1018-AJB (WVG), 2011 WL 1304587, at *1 (S.D. Cal. Apr. 6, 2011) (ordering 
deposition of CEO and COO because “when a witness has personal knowledge of facts relevant to the 
lawsuit, even a corporate president or CEO is subject to deposition”); Moyle v. Liberty Mut. Ret. Bene. 
Plan, No. 10-cv-2179-DMS (MDD), 2012 WL 5373421, at *4 (S.D. Cal. Oct. 30, 2012) (ordering 
deposition of executive on committee that approved plan at issue: “Even when seeking the 
deposition of an apex official, it is very unusual for a court to prohibit the taking of a deposition 
altogether absent extraordinary circumstances.”) (citing Apple Inc. v. Samsung Elecs. Co., Ltd, 282 
F.R.D. 259, 263 (N.D. Cal. 2012)) (cleaned up).1 
 
Moynihan’s central role in driving the CFF Policies is evidenced by scores of documents, including 
 (Exs. 1-3), 
 (Exs. 4-21), 
 
(Exs. 22-41), and communications by the media and legislators (Ex. 42).  In addition to 
, 
just a few illustrative examples include 
 
 
(Ex. 7); 
 
 (Ex. 10); 
 
 
 (Ex. 11); 
 
 
 
 
1 See also Perez v. Genoptix, Inc., No. 18-cv-2545-LAB-MDD, 2019 WL 12517081, at *2 (S.D. 
Cal. Jan. 11, 2019) (allowing deposition of board chairman where email suggested chairman 
“may have unique, personal knowledge” of material issues); In re Transpacific Passenger Air 
Transp. Antitrust Litig., No. C-07-5634 CRB (DMR), 2014 WL 939287, at *1, 3 (N.D. Cal. Mar. 
6, 2014) (compelling deposition of CEO who attended key meetings); Powertech Tech., Inc. v. 
Tessera, Inc., No. C 11-6121 CW, 2013 WL 3884254, at *2 (N.D. Cal. July 26, 2013) 
(compelling deposition where board “considered and voted on matters relevant to this case”). 
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Case 3:21-md-02992-GPC-MSB     Document 454-3     Filed 04/11/25     PageID.26484 
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LAW OFFICES 
In re BofA Unemployment Benefits Litigation 
COTCHETT, PITRE & McCARTHY, LLP 
December 16, 2024 
 
Page 4 
 
 
Respectfully submitted,  
 
/s/ Brian Danitz 
Counsel for Class Plaintiffs 
cc: 
All Counsel 
Case 3:21-md-02992-GPC-MSB     Document 454-3     Filed 04/11/25     PageID.26485 
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