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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 HX 52 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 678-3, S.D. Cal. No. 3:21-md-02992)

Court filing

Exhibit HX 52 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 678-3, S.D. Cal. No. 3:21-md-02992)

Filed February 20, 2026 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
Filed2026-02-20

U.S. District Court for the Southern District of California · No. 3:21-md-02992-GPC-MSB · Doc. 678-3 · 2026-02-20 · Docket on CourtListener

Full text

HX 52
Case 3:21-md-02992-GPC-MSB     Document 678-3     Filed 02/20/26     PageID.58895 
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               UNITED STATES DISTRICT COURT
              SOUTHERN DISTRICT OF CALIFORNIA
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                     SAN DIEGO DIVISION
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 Civil Action No. 21-MD-02992-GPC-MSB
 ____________________________________________________________
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 IN RE:  BANK OF AMERICA CALIFORNIA
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 UNEMPLOYMENT BENEFITS LITIGATION
 ____________________________________________________________
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      VIDEO DEPOSITION OF CHLOE NOEL EAST, Ph.D.
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                      May 15, 2025
 ____________________________________________________________
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 APPEARANCES:
 ON BEHALF OF THE PLAINTIFFS:
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           CAROLINE HUNSICKER, ESQ.
           CONNIE K. CHAN, ESQ. (via remote)
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           Altshuler Berzon LLP
           177 Post Street, Suite 300
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           San Francisco, California  94108
           Phone:  415-421-7151
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           Email:  chunsicker@altshulerberzon.com
           Email:  cchan@altber.com
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           and
           JOSHUA B. SWIGART, ESQ. (via remote)
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           ILANA PLATKIEWICZ, ESQ. (via remote)
           Swigart Law Group, APC
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           2221 Camino Del Rio S, Suite 308
           San Diego, California  92108
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           Phone:  866-219-3343
           Email:  josh@swigartlawgroup.com
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           Email:  ilana@swigartlawgroup.com
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Case 3:21-md-02992-GPC-MSB     Document 678-3     Filed 02/20/26     PageID.58896 
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           A.   Yes, I believe I did.  And I believe the      11:51AM
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 reason I did not focus on this in my report is that many     11:51AM
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 of the points this paper makes are similar to the points     11:51AM
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 in Exhibit 10.                                               11:51AM
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           Q.   Which is an article by Ganong.                11:51AM
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           A.   Yes.                                          11:51AM
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           Q.   Okay.  After reviewing and refreshing your    11:51AM
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 recollection regarding the statements in Exhibit 12, are     11:51AM
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 you aware that due to expanded UI and stimulus payments,     11:51AM
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 unemployed households with incomes under 1,000 per month     11:51AM
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 received replacement rates of over 300 percent?              11:51AM
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           A.   Yes.                                          11:51AM
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           Q.   Okay.  Are you aware that survey data         11:52AM
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 indicates that U.S. households reported spending only        11:52AM
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 approximately 40 percent of their first stimulus check       11:52AM
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 with 30 percent saved and another 30 percent used to pay     11:52AM
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 down debt?                                                   11:52AM
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                MS. HUNSICKER:  Objection.  Assumes facts.    11:52AM
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           A.   Can you show me the reference for that?       11:52AM
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           Q.   (By Ms. Brys)  Yes, I can.  This will be      11:52AM
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 Exhibit 13.                                                  11:52AM
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                (Exhibit Number 13 was marked.)               11:52AM
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           A.   Do you want to mark this?  Does it matter?    11:52AM
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           Q.   Oh.  Oh.  Oh.  I took the wrong --            11:52AM
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                MS. BRYS:  There's no sticker.                11:52AM
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Case 3:21-md-02992-GPC-MSB     Document 678-3     Filed 02/20/26     PageID.58897 
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               CERTIFICATE OF COURT REPORTER
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           I, DEANNA BAYSINGER, a Registered Professional
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 Reporter and Notary Public within and for the State of
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 Colorado, commissioned to administer oaths, do hereby
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 certify that previous to the commencement of the
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 examination, the witness was duly sworn by me to testify
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 the truth in relation to matters in controversy between
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 the said parties; that the said deposition was taken in
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 stenotype by me at the time and place aforesaid and was
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 thereafter reduced to typewritten form by me; and that
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 the foregoing is a true and correct transcript of my
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 stenotype notes thereof.
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              That I am not an attorney nor counsel nor in
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 any way connected with any attorney or counsel for any of
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 the parties to said action nor otherwise interested in the
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 outcome of this action.
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                My commission expires:  November 8, 2026.
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            <%22389,Signature%>
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           DEANNA BAYSINGER
           Registered Professional Reporter
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           Notary Public, State of Colorado
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Our copy
gov.uscourts.casd.709615.678.3.pdf
Original
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  1. Appendix of Exhibits — In re Bank of America California Unemployment Benefits Litigation (Dkt. 678-2, S.D. Cal. No. 3:21-md-02992)same docket · 2026-02-20
  2. Appendix of Exhibits — In re Bank of America California Unemployment Benefits Litigation (Dkt. 681-2, S.D. Cal. No. 3:21-md-02992)same docket · 2026-02-20
  3. Exhibit HX 40 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 681-3, S.D. Cal. No. 3:21-md-02992)same docket · 2026-02-20
  4. Exhibit HX 51 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 675-3, S.D. Cal. No. 3:21-md-02992)same docket · 2026-02-20
  5. Notice of Change of Address by Jean Sutton Martin — In re Bank of America California Unemployment Benefits Litigation (Dkt. 685, S.D. Cal. No. 3:21-md-02992)same docket · 2026-02-20
  6. Appendix of Exhibits — In re Bank of America California Unemployment Benefits Litigation (Dkt. 675-2, S.D. Cal. No. 3:21-md-02992)same docket · 2026-02-20
  7. Certificate of Service by Bank of America, N.A. — In re Bank of America California Unemployment Benefits Litigation (Dkt. 686, S.D. Cal. No. 3:21-md-02992)same docket · 2026-02-20
  8. MOTION to File Documents Under Seal — Bofa Ca Unemployment (Dkt. 689)same docket · 2026-02-20
  9. Exhibit HX 50 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 672-3, S.D. Cal. No. 3:21-md-02992)same case · 2026-02-20
  10. Reply to Response to Motion re 571 Motion to Exclude Testimony — In re BofA Unemployment Litigation (Dkt. 691)same case · 2026-02-20
  11. Appendix of Exhibits — In re Bank of America California Unemployment Benefits Litigation (Dkt. 672-2, S.D. Cal. No. 3:21-md-02992)same case · 2026-02-20
  12. Certificate of Service by Consolidated Plaintiffs re 690 Sealed Lodged — In re BofA Unemployment Litigation (Dkt. 692)same case · 2026-02-20
  13. Exhibit DX 190 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 693-10, S.D. Cal. No. 3:21-md-02992)same case · 2026-02-20
  14. ORDER Granting Defendant Bank of America, N.A's Motion to Seal Exhibit 10.B to the… — Bofa Ca Unemployment (Dkt. 668)same case · 2026-02-19
  15. Exhibit DX 191 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 693-11, S.D. Cal. No. 3:21-md-02992)same case · 2026-02-20
  16. Certificate of Service by Bank of America, N.A. re 665 Sealed Lodged Proposed Document — In re BofA Unemployment Litigation (Dkt. 667)same case · 2026-02-17
  17. Exhibit DX 192 — In re Bank of America California Unemployment Benefits Litigation (Dkt. 693-12, S.D. Cal. No. 3:21-md-02992)same docket · 2026-02-20
  18. BANA EDD - Motion to Seal Exhibit 10.Bsame docket · 2026-02-17
  19. Response to Additional Statement of Facts — Bofa Ca Unemployment (Dkt. 693.2)same docket · 2026-02-20
  20. BANA EDD - Notice re Exhibit 10Bsame docket · 2026-02-17

Part of: BofA Ca Unemployment · U.S. District Court for the Southern District of California · Pandemic unemployment insurance · Lender and platform litigation · Exhibits and declarations · 2026 · Court filings

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