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<LI><STRONG><FONT size=3>New video of the Port of Aztlanţ</FONT></STRONG></LI>
<LI><STRONG><FONT size=3>Another way banks get your money !! (even on unemployment benefits)ţ</FONT></STRONG></LI>
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<H3 style="FONT-WEIGHT: bold; FONT-SIZE: 14px"><A style="TEXT-DECORATION: none" href="http://www.nytimes.com/2011/11/10/us/politics/ohio-vote-on-collective-bargaining-is-parsed-for-2012-omens.html?nl=us&emc=politicsemailema3" target=_blank><FONT face=Tahoma size=3>Ohio Vote on Labor Is Parsed for Omens </FONT></A></H3></LI>
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<H2 class=ReadMsgSubject><FONT size=3>Help Fight Devastating Cuts to Healthcareţ(SEIU)</FONT></H2></LI>
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<H2 class=ReadMsgSubject><FONT size=3>NLRB update: lunchtime session with David Rosenfeld, Nov 21ţ</FONT></H2></LI>
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<H2 class=ReadMsgSubject><FONT size=3>Republicans in Congress Didn't Get the Ohio Memoţ</FONT></H2></LI></OL>
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<DIV class="Title TitleWithUpper" id=mpf0_hmlvControl_title onclick="Control.invoke('LiveViewContainerControl', 'toggleExpandHmlv', event);return false;"><FONT size=4><STRONG>Port of Aztlan</STRONG></FONT></DIV></DIV>
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<DIV><A id=mpf0_hmlvControl_001_video_goToLink style="DISPLAY: none" onclick="Control.invoke('LiveViewVideoControl','_reportClick',event,'External');" href="http://www.youtube.com/watch?v=QCzi3zdn9i0&feature=youtube_gdata" target=_blank><FONT color=#0066cc>Go to YouTube</FONT></A><A class=DisplayNone id=mpf0_hmlvControl_001_video_playLink style="DISPLAY: block" onclick="Control.invoke('LiveViewVideoControl','_onVideoClick', event, false);return false;" href="http://bl155w.blu155.mail.live.com/mail/#">Play video</A></DIV>
<DIV id=mpf0_hmlvControl_001_video_desc style="DISPLAY: block">This yahoogrooup along with the prior "Truckers Unite" have been around since 1999. At this time WE have about 125 subscribers with about 75 reading the headlines, about 37 reading a number of the…</DIV>
<DIV>00:07:07</DIV>
<DIV>Added on 11/11/11</DIV></DIV></TD>
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<DIV style="FONT-SIZE: 12pt; COLOR: #000; FONT-FAMILY: times new roman, new york, times, serif; BACKGROUND-COLOR: #fff"><BR></DIV>
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<DIV style="FONT-SIZE: 12pt; COLOR: #000; FONT-FAMILY: times new roman, new york, times, serif; BACKGROUND-COLOR: #fff">see: <A href="http://youtu.be/QCzi3zdn9i0">http://youtu.be/QCzi3zdn9i0</A> </DIV>
<DIV style="FONT-SIZE: 12pt; COLOR: #000; FONT-FAMILY: times new roman, new york, times, serif; BACKGROUND-COLOR: #fff"><FONT class=ecxApple-style-span face=Verdana color=#333333><SPAN class=ecxApple-style-span style="COLOR: rgb(0,0,0); FONT-FAMILY: Arial, 'Helvetica Neue', Helvetica, sans-serif">
<H1 class=ecxtitle-news style="COLOR: rgb(17,17,17); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none">For Bank Of America, Debit Fees Extend To Unemployment Benefits</H1>
<DIV class="ecxmargin_bottom_10 ecxrelative" style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><IMG id=ecximg_caption_1082329 style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none" alt="Bank Of America" src="http://i.huffpost.com/gen/399030/thumbs/r-BANK-OF-AMERICA-large570.jpg" width=570></DIV>
<DIV class="ecxmargin_bottom_10 ecxrelative" style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><B><A href="http://www.huffingtonpost.com/2011/11/10/bank-of-america-debit-card-fees_n_1082329.html">http://www.huffingtonpost.com/2011/11/10/bank-of-america-debit-card-fees_n_1082329.html</A> </B></DIV>
<DIV class="ecxmargin_bottom_10 ecxrelative" style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><B><BR></B></DIV></SPAN></FONT><SPAN class=ecxApple-style-span style="FONT-FAMILY: Arial, 'Helvetica Neue', Helvetica, sans-serif"><B>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>CORDOVA, S.C.-- Shawana Busby does not seem like the sort of customer who would be at the center of a major bank's business plan. Out of work for much of the last three years, she depends upon a $264-a-week unemployment check from the state of South Carolina. But the state </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://dew.sc.gov/news/Unemployment_Benefits_Going_Paperless.pdf" target=_blank><FONT size=2>has contracted with Bank of America to administer its unemployment benefits</FONT></A><FONT size=2>, and Busby has frequently found herself incurring bank fees to get her money.</FONT><BR>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>To withdraw her benefits, Busby, 33, uses a Bank of America prepaid debit card on which the state deposits her funds. She could visit a Bank of America ATM free of charge. But this small community in the state's rural center, her hometown, does not have a Bank of America branch. Neither do the surrounding towns where she drops off her kids at school and attends church.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>She could drive north to Columbia, the state capital, and use a Bank of America ATM there. But that entails a 50 mile drive, cutting into her gas budget. So Busby visits the ATMs in her area and begrudgingly accepts the fees, which reach as high as five dollars per transaction. She estimates that she has paid at least $350 in fees to tap her unemployment benefits.<BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none">"It really boggles my mind," she said. "This bank is taking little bits of money out of thousands of pockets, including mine."<BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none">Bank of America </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://www.washingtonpost.com/business/economy/bank-of-american-drops-debit-card-fee/2011/11/01/gIQADvugcM_story.html" target=_blank><FONT size=2>recently</FONT></A><FONT size=2> aborted plans to charge ordinary banking customers $5 a month to use their debit cards in the face of national outrage. But the bank has quietly continued to mine another source of fees: jobless people who depend upon the bank's prepaid debit cards to tap their benefits. Bank of America and other financial firms -- including U.S. Bank, Wells Fargo and JP Morgan Chase -- have secured contracts to provide access to public benefits in 41 states. These contracts typically allow banks to collect unlimited fees from merchants and consumers.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>In short, the same banks whose speculation delivered a financial crisis that has destroyed millions of jobs have figured out how to turn widespread unemployment into a profit center: The larger the number of people who are out of work and dependent upon the state for sustenance, the greater the potential gains through administering their benefits.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>"It's absolutely ridiculous," said Sue Berkowitz, director of the South Carolina Appleseed Legal Justice Center, a Columbia nonprofit that represents low-income people facing foreclosure, food insecurity and other problems. "It should not cost you any more to use a debit card than if they had issued you a check."</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>For the state, handing Bank of America responsibility for unemployment benefits secured </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://projects.propublica.org/unemployment/states/SC" target=_blank><FONT size=2>cost savings</FONT></A><FONT size=2>, said Berkowitz, but </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://nelp.3cdn.net/833c7eeb782f18bdb3_a5m6b0wvp.pdf" target=_blank><FONT size=2>they have come at vulnerable people's expense</FONT></A><FONT size=2>.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>"When it comes to ordinary people getting the benefits they have earned, the benefits they need,</FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://www.huffingtonpost.com/2011/09/09/nikki-haley-drug-test-unemployment_n_955445.html" target=_blank><FONT size=2>they don't seem to spend a lot of time worrying</FONT></A><FONT size=2>," she said.</FONT></P></B></SPAN><SPAN class=ecxApple-style-span style="FONT-FAMILY: Arial, 'Helvetica Neue', Helvetica, sans-serif"><B>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>Bank of America asserts that its prepaid debit cards are a good deal for everyone -- from state taxpayers to people drawing unemployment benefits.</FONT></P></B></SPAN></DIV>
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<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2><BR></FONT></P></B></SPAN></DIV>
<DIV style="FONT-SIZE: 12pt; COLOR: #000; FONT-FAMILY: times new roman, new york, times, serif; BACKGROUND-COLOR: #fff"><SPAN class=ecxApple-style-span style="FONT-FAMILY: Arial, 'Helvetica Neue', Helvetica, sans-serif"><B>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>"We have provided prepaid card programs to government agencies for many years," said Jefferson George, a Bank of America spokesman based at the company's Charlotte headquarters. "Clients value the cost savings and increased efficiency and individuals appreciate the ability to receive their benefits payments more quickly and securely."</FONT></P></B></SPAN></DIV>
<DIV style="FONT-SIZE: 12pt; COLOR: #000; FONT-FAMILY: times new roman, new york, times, serif; BACKGROUND-COLOR: #fff"><SPAN class=ecxApple-style-span style="FONT-FAMILY: Arial, 'Helvetica Neue', Helvetica, sans-serif"><B>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2><BR></FONT></P></B></SPAN></DIV>
<DIV style="FONT-SIZE: 12pt; COLOR: #000; FONT-FAMILY: times new roman, new york, times, serif; BACKGROUND-COLOR: #fff">
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<DIV><SPAN class=ecxApple-style-span style="FONT-FAMILY: Arial, 'Helvetica Neue', Helvetica, sans-serif"><B>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>South Carolina officials say their state's current arrangement with Bank of America, launched in July 2010, has proven a good value for taxpayers. The South Carolina Department of Employment and Workforce, which oversees unemployment benefits, expects to save as much $5 million in check printing and mailing costs annually through its contract with Bank of America, said an agency spokeswoman, Adrienne Fairwell.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>She said the state was also attracted to the debit cards as a means of helping jobless people who do not have bank accounts avoid the fees they must pay to cash checks. Roughly one tenth of all South Carolina households -- about 182,000 families -- did not have a bank account as of last fall,</FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://www.pewtrusts.org/our_work_report_detail.aspx?id=85899365577" target=_blank><FONT size=2>according to a recent Pew Research Center report</FONT></A><FONT size=2>.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>But some banking experts say the relevant cost savings are accruing to the banks themselves. New federal regulations cap what banks can collect from merchants when consumers swipe ordinary debit cards at store cash registers. The new swipe fee limits will cut Bank of America's revenues by $2 billion this year, according to Richard Bove, an analyst who follows Bank of America for Connecticut-based brokerage and research service Rochdale Securities.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>"Most banks are aiming to recoup 30 to 50 percent through other methods," which include prepaid card fees, said Nancy Bush, an analyst with NAB Research, LLC, a a New Jersey-based investment consulting company, who monitors Bank of America.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>Those limits do not apply to most prepaid debit cards, making them particularly attractive to banks, say experts. Prepaid cards are still a small business for banks, but </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://www.stlouisfed.org/publications/itv/articles/?id=2170" target=_blank><FONT size=2>the sector is quickly growing</FONT></A><FONT size=2>, experts say.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>South Carolina now distributes half of all unemployment benefits using Bank of America prepaid debit cards, according to the state department of employment and workforce, with most of the other half delivered through direct deposit.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>Neither the state nor Bank of America would disclose the details of their contractual arrangement. A bank spokesman termed the deal "confidential." When The Huffington Post asked the state for for the details of the contract, the spokeswoman required the submission of a formal Freedom of Information Act request. Yet one week after that request was lodged, the state has not provided the contract terms.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>But </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://www.heraldonline.com/2009/02/21/1152308/state-to-quit-mailing-unemployment.html" target=_blank><EM style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>The Herald</FONT></EM></A><FONT size=2>, a Rock Hill, S.C. newspaper, reported in 2009 that South Carolina pays the bank a 3 cent fee for each transfer it facilitates on a prepaid debit card. The bank collects the same fees from the state for handling direct deposit of unemployment benefits, a state spokesperson said.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>Banking experts say the real money lies in the fees the bank collects for a range of services. When the state first contracted with Bank of America, </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="https://secure.sces.org/PDIC/DebitCardFeeSchedule.htm" target=_blank><FONT size=2>the list of potential fees</FONT></A><FONT size=2> the bank was allowed to collect included a $1.50 charge when a customer visited a bank ATM or teller more than once per week, a $1.50 charge for use of an out-of-network ATM, a $1.50 charge for speaking to a customer service operator more than once per month, and 50 cents for entering the wrong PIN number at an ATM more than four times or requesting more funds from an ATM than remained on the card.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>In May, the National Consumer Law Center named Bank of America prepaid debit cards issued to unemployed people in </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="https://prepaid.bankofamerica.com/EDDCard/PRC384/CP384-T03-019/docs/terms.htm" target=_blank><FONT size=2>California</FONT></A><FONT size=2> and </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://lwd.dol.state.nj.us/labor/lwdhome/content/DebitCardHome.html" target=_blank><FONT size=2>New Jersey</FONT></A><FONT size=2> the best in the nation. But unemployed card holders in those states don't face the same list of potential fees that exist in South Carolina. One example: California and New Jersey's contracts allow card users to conduct a limited number of free transactions at other banks' ATMs.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>After learning about the options that Bank of America gave people using its prepaid cards in other states, South Carolina asked the bank for </FONT><A style="COLOR: rgb(43,0,115); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none; outline-style: none" href="http://dew.sc.gov/documents/DebitCardFeeSchedule.pdf" target=_blank><FONT size=2>changes</FONT></A><FONT size=2>, Fairwell said. In July, unemployed individuals gained unlimited free withdrawals at Bank of America ATMs and one free withdrawal per week at a bank teller anywhere the VISA logo is displayed.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>But some fees remain. Bank of America charges prepaid debit card holders in South Carolina $1.50 to visit an out of network ATM. Bank of America also levies a 50 cent fee when a customer uses an ATM to try to withdraw more money than they have in their account more than once in a single week.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>"It's not what we would like to see," said Lauren Saunders, managing attorney at the National Consumer Law Center. "It is not as if the bank can legitimately argue it costs them something not to let someone take money out of an ATM."</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>The state asserts that people who are prudent, timing their withdrawals while adhering to the limits, can secure all of their funds without charge.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>"With careful use, South Carolina cardholders can avoid paying any fees," said Fairwell.<BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none">But people who rely on such cards to collect their benefits have a difficult time hewing to polite language when they hear such characterizations. <BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none">"That's bullshit," said Sandra Gortman, 55, a Columbia resident who says she incurred some $10 in fees within the first weeks of using her card. "Excuse me. But, really, there is no way given the way you have to live when you have very, very little money and copious amounts of stress, to avoid paying fees." <BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><BR style="BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none">In 2008, Gortman, a long-time bill collector, temporarily left her law firm job to work for the Obama campaign. When the campaign ended the law firm could not afford to keep her on staff, so she started searching for work. In January 2009, she enrolled in the state's unemployment benefits program. At first, her benefits were direct deposited to her Bank of America checking account.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>In August 2010, unemployment officials summoned Gortman for a benefits review during which she says she was strongly encouraged to sign up for a prepaid debit card. Gortman resisted. Fearful that the agency would delay her benefits if she did not submit, she says, Gortman signed the form. A few weeks later the card and a brochure came in the mail. The potential fees were disclosed in the fine print, she says, but she initially missed them.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>The first week she had the card, Gortman used it to purchase $25 worth of gas at a Columbia gas station. The station held $75 as a deposit while she filled up, and did not refund the balance -- $50 -- until three days later. She says she discovered the charge later when she checked her balance. When Gortman noticed this additional charge, she called Bank of America's automated customer service twice seeking explanation, incurring a $1.50 charge for the second call, she says. When the automated system failed to explain the missing money, Gortman spoke to an operator, incurring an additional 50 cent fee, she said. In July, the bank eliminated customer service fees.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>"When you are living on $325 in unemployment benefits a week, believe me, you need and notice every penny," said Gortman. "So I called, I know one week, three or four times before I realized those calls were costing me money. I was, well let's just say, utterly outraged."</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>In the town of Cordova, where traffic lights are outnumbered by pickup trucks, Busby and her family have been largely dependent on unemployment benefits since June of 2008, when her husband was laid off from a job at a tractor company. The following month, she lost her own job teaching welfare recipients life skills. When their weekly unemployment checks arrived in the mail, she drove north to Columbia or west to Orangeburg, some 35 miles away, to deposit them in their checking account.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>The following year, her husband found a full-time factory job, and she secured a temporary position with the Census. But when her job ended in May 2010, Busby went back to the unemployment office to sign up for benefits anew. She received a few checks, and then the state sent her a debit card, though says she has no recollection of applying for one.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>Even now that she is cognizant of the fees, she is afraid to switch to direct deposit, fearing a resulting gap in her weekly benefits. Her family's finances are so tight, she says, that any delay puts them behind on the bills.</FONT></P>
<P style="COLOR: rgb(0,0,0); BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: none; LIST-STYLE-TYPE: none; BORDER-BOTTOM-STYLE: none"><FONT size=2>"There is always, something due -- a light bill that has to be paid, car insurance, the phone," she said. "I get my benefits and that's when we buy food, that very day. There's just a very delicate balance at our house. Nothing, I mean nothing, can go wrong."</FONT></P>
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<H3 style="FONT-WEIGHT: bold; FONT-SIZE: 14px"><A style="TEXT-DECORATION: none" href="http://www.nytimes.com/2011/11/10/us/politics/ohio-vote-on-collective-bargaining-is-parsed-for-2012-omens.html?nl=us&emc=politicsemailema3" target=_blank><FONT face=Tahoma>Ohio Vote on Labor Is Parsed for Omens </FONT></A></H3>
<H6 class=ecxbyline style="FONT: 10px Arial,sans-serif; COLOR: #999"><FONT face=Tahoma>By SABRINA TAVERNISE and STEVEN GREENHOUSE </FONT></H6>
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<P style="FONT-SIZE: 12px; COLOR: #000"><FONT face=Tahoma>The victory that repealed a law limiting collective bargaining may not necessarily improve the prospects of unions or the Democrats, their traditional allies, in 2012.</FONT></P>
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<P class=ecxheadline3 style="FONT-SIZE: 14px; FONT-FAMILY: Georgia,'Times New Roman',Times,serif"><A href="http://act.alternet.org/go/12848?akid=7838.16102.kp1xbr&t=29" target=_blank><FONT color=#0068cf>Amazing Video of Ohio State Senator Dressing Down Governor After Union-Busting Bill Defeated</FONT></A><BR><SPAN style="FONT-SIZE: 11px; COLOR: #4d4d4d; FONT-STYLE: italic; FONT-FAMILY: Georgia,'Times New Roman',Times,serif">By Sarah Seltzer | AlterNet</SPAN></P></DIV></DIV>
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Dear SEIU-UHW supporter,<BR><BR>Yesterday I spoke up for healthcare and against devastating cuts to Medicare and Medi-Cal. I joined my fellow SEIU-UHW members, U.S. Representative Karen Bass, my hospital’s owner and other healthcare providers in Los Angeles to send a clear message to Congress: “Protect healthcare for our seniors, children and families.” SEIU-UHW healthcare members are holding events like this one all over the state this week and next.<BR>
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<EM><IMG style="BORDER-RIGHT: 1px solid; BORDER-TOP: 1px solid; BORDER-LEFT: 1px solid; CURSOR: default; BORDER-BOTTOM: 1px solid" height=188 alt="" src="http://www.seiu-uhw.org/files/2011/11/Lynn-Polo-RepBass-Mary-Joycelyn1.jpg" width=300 align=left></EM><BR></DIV>
<DIV>At my hospital, St. Vincent, we see seniors and adults who are living on the margin with no insurance other than Medicare and Medi-Cal every day. Cutting these programs denies healthcare to our community’s most vulnerable. It would be devastating to patients who have nowhere else to go. My coworker, Mary Gray, spoke up with me. <STRONG><A href="http://uhw.seiu.org/page/m/18a1c845/1744dce/5ff77cad/38909d4/4079781098/VEsH/" target=_blank><FONT color=#0068cf>Read her blog.</FONT></A></STRONG></DIV>
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<DIV><A href="http://uhw.seiu.org/page/m/18a1c845/1744dce/5ff77cad/38909d5/4079781098/VEsE/" target=_blank><STRONG><FONT color=#0068cf>Now you can take action too</FONT></STRONG></A> with just two simple phone calls. In the next few weeks, Congress will decide the fate of these two critically important healthcare programs—and every voice counts.</DIV>
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<DIV>The fate of healthcare for millions of families, kids and seniors hangs in the balance. <STRONG><A href="http://uhw.seiu.org/page/m/18a1c845/1744dce/5ff77cad/38909d5/4079781098/VEsF/" target=_blank><FONT color=#0068cf>Join us in calling on Congress</FONT></A></STRONG> to protect Medicare and Medi-Cal today.</DIV>
In Unity,<BR>
Joycelyn Witts, SEIU-UHW member<BR>St. Vincent Medical Center, Los Angeles<BR>
<EM>SEIU-UHW members Lynn Morris, Polo Trejo, Mary Gray and Joycelyn Witts are pictured above with U.S. Rep. Karen Bass.</EM><BR>
P.S. Don’t forget to <A href="http://uhw.seiu.org/page/m/18a1c845/1744dce/5ff77cad/38909d6/4079781098/VEsC/" target=_blank><FONT color=#0068cf>like us on Facebook.</FONT></A><BR> <BR> <BR> <BR></TD></TR>
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<P style="MARGIN-BOTTOM: 0pt"><STRONG><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'">NLRB Update with David Rosenfeld</SPAN></STRONG><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"></SPAN></P>
<P style="MARGIN-BOTTOM: 0pt"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'">Brown bag lunch, Monday, November 21, 2011, 12:45-1:45 pm<BR>UC Berkeley Boalt School of Law, Room 141</SPAN></P>
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<P style="MARGIN-BOTTOM: 0pt"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'">Join us for an update on National Labor Relations Board activities this year. The Board has made decisions about Facebook and social media use, banner hanging, union recognition, union access to employer property, and more. David Rosenfeld, author of <EM><SPAN style="FONT-FAMILY: 'Arial','sans-serif'"><A href="http://laborcenter.berkeley.edu/publications/index.shtml" target=_blank><FONT color=#0068cf>California Workers Rights</FONT></A></SPAN></EM> and a partner at Weinberg, Roger & Rosenfeld, will provide an overview of these changes, an update on the Boeing case, and what we can expect from the Board in the next year.</SPAN></P>
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<P style="MARGIN-BOTTOM: 0pt"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'">Bring your lunch! Please RSVP to <A href="mailto:rgraham@berkeley.edu"><FONT color=#0068cf>rgraham@berkeley.edu</FONT></A><SPAN style="COLOR: #1f497d">.</SPAN></SPAN></P>
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<P style="MARGIN-BOTTOM: 0pt"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'">For more information, please visit the<SPAN style="COLOR: #1f497d"> <A href="http://laborcenter.berkeley.edu/events/index.shtml#nlrb" target=_blank><FONT color=#0068cf>Labor Center events page</FONT></A>.</SPAN></SPAN><SPAN style="FONT-SIZE: 11pt; COLOR: #1f497d; FONT-FAMILY: 'Calibri','sans-serif'"> </SPAN></P>
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<P style="MARGIN-BOTTOM: 0pt"><I><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'">This lunchtime talk is sponsored by the <B>UC Berkeley Labor Center</B> and the <B>Berkeley Journal of Employment and Labor Law.</B></SPAN></I></P>
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<TD><A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=KUlCIDa4bfuG4%2B0S2SVJ/AYZ8Ya5Nqcw" target=_blank><IMG height=71 alt="" src="https://afl.salsalabs.com/o/4001/c/18/images/banner_afl-cio_now_blog_626.jpg" width=626 border=0></A></TD></TR>
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<SPAN style="FONT-SIZE: 13px"><SPAN style="FONT-FAMILY: Verdana"><B>Nov. 10, 2011</B></SPAN></SPAN><BR>
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<TD style="TEXT-ALIGN: center"><A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=nLSlhNfpZmUL0Q77IwdqwAYZ8Ya5Nqcw" target=_blank><IMG title="Ohio rally" alt="Ohio rally" src="https://afl.salsalabs.com/o/4001/c/18/images/IMG_1462-wp.jpg" border=0></A><BR><SPAN style="FONT-SIZE: 10px"><SPAN style="FONT-FAMILY: Verdana"><A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=clZHzp5GfrzbgS9qMGAz0QYZ8Ya5Nqcw" target=_blank><FONT color=#0068cf>Ohio election analysis shows Republicans overreached with an extreme partisan agenda when voters wanted jobs as the priority</FONT></A>.</SPAN></SPAN></TD></TR></TBODY></TABLE>
<SPAN style="FONT-SIZE: 13px"><SPAN style="FONT-FAMILY: Verdana">Republicans on the so-called “<A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=4I2SEqHi4m0f75k%2BkiqhNwYZ8Ya5Nqcw" target=_blank><B><FONT color=#0068cf>Super Committee</FONT></B></A>” want to make the Bush tax cuts for the wealthy permanent and cut hundreds of billions of dollars in Social Security and Medicare benefits. AFL-CIO President Richard Trumka says, “This is the same kind of tone-deaf overreaching on behalf of the 1 percent that voters in Ohio overwhelmingly rejected.”</SPAN></SPAN><BR>
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<TD vAlign=bottom height=24><A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=I5khbUuWUQ2GfRXPHyCQewYZ8Ya5Nqcw" target=_blank><IMG alt="Read More" src="https://afl.salsalabs.com/o/4001/c/18/images/read_more.gif" border=0></A></TD></TR></TBODY></TABLE><BR>
<SPAN style="FONT-SIZE: 13px"><SPAN style="FONT-FAMILY: Verdana">Got comments? Post them at </SPAN></SPAN><A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=dQ3TnbdUa%2B41lFJWbJvWBgYZ8Ya5Nqcw" target=_blank></A><SPAN style="FONT-SIZE: 13px"><A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=vzMSvL5lticcTCy3Y8nI27juctudc5bQ" target=_blank><SPAN style="FONT-FAMILY: Verdana"><B><FONT color=#0068cf>blog.aflcio.org</FONT></B></SPAN></A><SPAN style="FONT-FAMILY: Verdana">.</SPAN></SPAN><BR>
<P align=left><FONT style="FONT-SIZE: 13px" face=Arial color=navy><IMG height=12 alt="" src="https://afl.salsalabs.com/o/4001/c/18/images/blog_arrow-blt.gif" width=16 border=0> <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=t00E6CEMcEBqhYCay8%2BeFQYZ8Ya5Nqcw" target=_blank><FONT style="FONT-SIZE: 13px" face=Arial color=navy><STRONG>Ohio Results Show Voters Say Focus on Jobs, Not Partisan Attacks</STRONG></FONT></A></FONT></P>
<P align=left><FONT style="FONT-SIZE: 13px" face=Arial color=navy><IMG height=12 alt="" src="https://afl.salsalabs.com/o/4001/c/18/images/blog_arrow-blt.gif" width=16 border=0> <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=iEOT8FtlWGrCxCPaW2sQ%2BwYZ8Ya5Nqcw" target=_blank><FONT style="FONT-SIZE: 13px" face=Arial color=navy><STRONG>Kentucky Voters Thrash Walker Clone in Governor’s Race</STRONG></FONT></A></FONT></P>
<P align=left><FONT style="FONT-SIZE: 13px" face=Arial color=navy><FONT style="FONT-SIZE: 13px" face=Arial color=navy><IMG height=12 alt="" src="https://afl.salsalabs.com/o/4001/c/18/images/blog_arrow-blt.gif" width=16 border=0> <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=Yx%2B8QgwvQf/t0V8CDhA0bAYZ8Ya5Nqcw" target=_blank><FONT style="FONT-SIZE: 13px" face=Arial color=navy><STRONG>Labor Candidates Win Big in New Jersey Balloting</STRONG></FONT></A></FONT></FONT></P>
<P align=left><FONT style="FONT-SIZE: 13px" face=Arial color=navy><IMG height=12 alt="" src="https://afl.salsalabs.com/o/4001/c/18/images/blog_arrow-blt.gif" width=16 border=0> <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=ozAmrA15HYbQfhffS4aCXgYZ8Ya5Nqcw" target=_blank><FONT style="FONT-SIZE: 13px" face=Arial color=navy><STRONG>Changes in Labor Law in Burma, and What That Really Means</STRONG></FONT></A></FONT></P>
<P align=left><FONT style="FONT-SIZE: 13px" face=Arial color=navy><IMG height=12 alt="" src="https://afl.salsalabs.com/o/4001/c/18/images/blog_arrow-blt.gif" width=16 border=0> <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=Sdj7ZPvjBCjrHlrZ1htGWwYZ8Ya5Nqcw" target=_blank><FONT style="FONT-SIZE: 13px" face=Arial color=navy><STRONG>McCain: Corporate Repat Tax Means More Yachts, Jets</STRONG></FONT></A></FONT></P>
<P style="TEXT-ALIGN: left"><SPAN style="FONT-SIZE: 13px"><A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=5/yvAouXCy1SEnS9B8Oq4AYZ8Ya5Nqcw" target=_blank><SPAN style="FONT-FAMILY: Verdana"><STRONG><FONT color=#0068cf>Read more important news</FONT></STRONG></SPAN></A><SPAN style="FONT-FAMILY: Verdana"> of the day on the issues working families care about. </SPAN></SPAN></P>
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<NOBR><SPAN style="FONT-SIZE: 13px"><SPAN style="FONT-FAMILY: Arial"><STRONG>Follow the AFL-CIO:</STRONG></SPAN></SPAN><STRONG><BR></STRONG><A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=3lyf3QTLbij98rDEGLlZ1AYZ8Ya5Nqcw" target=_blank><IMG title=Facebook height=24 alt=Facebook src="https://afl.salsalabs.com/o/4001/images/icon_24x24_facebook.jpg" width=24 border=0></A> <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=lR6D2Qlfl3WxO1lJy%2BnQxgYZ8Ya5Nqcw" target=_blank><IMG title=Twitter height=24 alt=Twitter src="https://afl.salsalabs.com/o/4001/images/icon_24x24_twitter.jpg" width=24 border=0></A> <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=cgZaNM1kTcToneySqBy5bgYZ8Ya5Nqcw" target=_blank><IMG title=YouTube height=24 alt=YouTube src="https://afl.salsalabs.com/o/4001/images/icon_24x24_youtube2.jpg" width=24 border=0></A> <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=TGbpK1VglfgeIdtJ3GhJZQYZ8Ya5Nqcw" target=_blank><IMG title=RSS height=24 alt=RSS src="https://afl.salsalabs.com/o/4001/images/icon_24x24_rss.jpg" width=24 border=0></A></NOBR><BR></TD></TR>
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<P align=center><SPAN style="FONT-FAMILY: Arial"><SPAN style="FONT-SIZE: 13px"><EM><NOBR>Take the next step. Become a mobile activist</NOBR><BR><NOBR>by joining the AFL-CIO Rapid Action Text Team.</NOBR><BR><NOBR>Text <STRONG>NEWS</STRONG> to <STRONG>AFLCIO (235246)</STRONG> to receive action alerts and more.</NOBR><BR>(Message and data rates may apply.)<BR></EM></SPAN></SPAN></P></TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>
<P align=center><SPAN style="FONT-FAMILY: Verdana"><SPAN style="FONT-SIZE: 13px">To find out more about the AFL-CIO, please visit our website at <A href="http://act.aflcio.org/salsa/track.jsp?v=2&c=ie5Hz23V40uL%2BW1ATObTPQYZ8Ya5Nqcw" target=_blank><B><FONT color=#0068cf>www.aflcio.org</FONT></B></A>.</SPAN></SPAN></P>
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