ilable Cash Limit $ 2,300.00 Effective on or around April 19, 2004, your account will be transferred from American Express Centurion Bank, Member F.D.I.C., to American Express Bank, FSB, Member F.D.I.C. Other changes to your account not as a result of this transfer are described in the Notice Of Change

18, 2009). U.S.' Zane, 2009 WL 2567832, fn.l (E.D. Cal. Aug. 18 2009). As to the meaning of "actual damages," the Eleventh Circuit in McMillian i t F.D.I.C., 81 F.3d 1041, 1055 (I I th Cir.1996)3, succinctly explained: 3 In McMillian the I 1th Circuit was faced with the task of the interpretation of the