Exhibit PX31 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 634-32, S.D. Cal. No. 3:21-md-02992)

Summary

PX 31, filed 01/09/26 as Document 634-32 (20 pages) in In re Bank of America California Unemployment Benefits Litigation, U.S. District Court for the Southern District of California, contains the wrapper pages of the remote videotaped deposition of Pamela Ann Joseph, taken May 12, 2025 with the witness appearing from Boston, Massachusetts. Plaintiffs' counsel Connie Chan questioned her, and Joseph confirms she was retained as an expert by Bank of America's attorneys; Jones Day attorneys appeared for the bank. The testimony pages after the opening questions carry no text in this version. The filing ends with the court reporter's certificate.

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Record facts

Full text

. PX31 
Case 3:21-md-02992-GPC-MSB     Document 634-32     Filed 01/09/26     PageID.53550 
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IN THE UNI TED STATES DISTRICT COURT 
SOUTHERN DISTRICT OF CALIFORNI A 
IN RE: 
BANK OF AMERICA 
CALI FORNIA UNEMPLOYMENT 
BENEFITS LITIGATION 
Case No. 
3:21 - rnd-02992 - GPC- MSB 
REMOTE VIDEOTAPED DEPOSITION OF 
PAMELA ANN JOSEPH 
May 12 , 2025 
11:11 a.rn. 
(Al l a t tendees appeared remot ely via 
teleconferencing and/or v ideoconferencing.) 
Elizabeth R. Hol lings worth, CCR B- 1319 
Job No.: 10163 119 
Case 3:21-md-02992-GPC-MSB     Document 634-32     Filed 01/09/26     PageID.53551 
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Pamela Ann Joseph 
In Re Bank of America CA Unemployment Benefits Litigation 
APPEARANCES OF COUNSEL 
On behalf of the Pl aintiffs : 
CONNIE K. CHAN, Esquire 
COLIN C. JONES, Esquire 
Al tshuler Berzon, LLP 
177 Post Street 
Suite 300 
San Francisco, California 
415.421.7151 
cchan@altber.com 
c j ones@altber.com 
on behalf of Bank of America, N .A.: 
YVONNE w. CHAN, Esquire 
VICTORIA PETRIMOULX, Esquire 
Jones Day 
100 High Street 
21st Floor 
Boston, Massachusetts 02110 
617 . 960 . 3939 
ychan@j onesday . com 
vpetrimoulx@jonesday.com 
on behalf of Individual Plaintiffs : 
JOSHUA B . SWIGART , Esquire 
Swigart Law Group, APC 
2221 Camino Del Rio S 
Suite 308 
San Diego, California 92108 
866 . 219 . 3343 
josh@swigartlawgroup.com 
Videographer: 
Cole Holland 
www.aptusCR.com 
Case 3:21-md-02992-GPC-MSB     Document 634-32     Filed 01/09/26     PageID.53552 
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Pamela Ann Joseph 
In Re Bank of America CA Unemployment Benefits Litigation 
(REPORTER'S NOTE : 
To the greatest extent 
possible, this t ranscript is an exact 
record of the above-referenced videotaped 
deposition. 
So that the attorneys and 
part ies may rely on the transcript t o 
accurately forecast the actual 
videotape , a l l words, including f a l se 
starts, misst atements, and questions 
later stricken by the questioning 
a ttorney, have been included. 
Onl y those 
portions of the proceedings which were 
specifically designated as off- the - record 
discussions have been omitted. ) 
www.aptusCR.com 
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Pamela Ann Joseph 
In Re Bank of America CA Unemployment Benefits Litigation 
Remote Videotaped Depos iti on of Pamela Ann Joseph 
May 12 , 2025 
THE VIDEOGRAPHER: 
We are now on the 
record. 
Today ' s date is May 12th, 2025 , and the 
time is 11 : 11 a.m . 
This is the remote video depositi on of 
Pamela J oseph via Zoom video conference being 
taken in the matter of In Re : 
Bank of America 
Cali for nia , Unempl oymen t Benefits Litigation on 
behal f of the Plaintiff. 
This is pending in the 
United States District Court , Southern Distri ct of 
California . 
This i s case No . 3 : 21 - md-02992-GPC- MSB. 
The witness is appearing remotely from 
Boston, Massachusetts. 
My name is Cole Holland appearing for 
Aptus court Reporting located at 401 West A 
Street , suite 1680 , San Diego, California 92101 . 
I 'm the official videographer, and t h i s 
is the only authorized video recordi ng of this 
deposition . 
The audio and video recording wi ll 
take place at all times unl ess al l counsel agree 
to go off the record . 
Wi ll counsel please i dent ify yoursel ves 
and s t ate whom you repr esent starting with the 
noticing attorney? 
www.aptusCR.com 
Case 3:21-md-02992-GPC-MSB     Document 634-32     Filed 01/09/26     PageID.53554 
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Pamela Ann Joseph 
In Re Bank of America CA Unemployment Benefits Litigation 
MS. CONNIE CHAN : 
Good morning. 
Connie 
Chan of Al tshuler Berzon on behalf of the 
Pla intiffs . 
MS. YVONNE CHAN: 
Good morning . 
This 
is Yvonne Chan from Jones Day on behalf of the 
Defendant and the wi t ness. 
And also with me today 
is my associate Victoria Petrimoulx also from 
Jones Day. 
Thank you. 
THE VIDEOGRAPHER: 
today is Libby Hollingsworth . 
The court report er 
And she may now 
swea r in or affirm the deponent. 
PAMELA ANN JOSEPH, 
being first duly sworn, was examined and 
testified as fol lows: 
CROSS- EXAMINATION 
BY MS. CONNIE CHAN: 
Q 
Good morning, Ms. Joseph . 
We met just 
a moment ago. 
Again, my name is Connie Chan, and 
I represent the Plaintiffs i n this action. 
Thank 
you very much for being here today . 
You are here today because you were 
retained a s an exper t by Bank of America's 
attorneys in this matter; correct? 
A 
Correc t . 
Q 
Have you been deposed before? 
www.aptusCR.com 
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COURT REPORTER CERTIFICATE 
STATE OF GEORGIA: 
COUNTY OF DEKALB: 
I hereby certify that the foregoing 
transcript was taken down, as stated in the 
caption, and the proceedings were redu ced to 
typewriting under my direction and control; 
that the foregoing pages represent a true, 
complete, and correct transcript of the 
ev idence g i ven upon said deposition; and I 
further certify that I am not of kin or 
c ounsel t o the parti e s in the case; am not 
in the empl oy of counsel for any of said 
parties ; nor am I in any way interested in 
the result of said case. 
This, the 28th day of May, 2025. 
Elizabeth R. Hollingsworth, CCR B- 1319 
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