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9. How do I submit a claim for compensation? <br />For your plan to receive money, it must submit an Instruction Form by the deadline for submission. A copy of the <br />Instruction Form is enclosed. You do not need to do anything further to submit a claim for compensation. You will <br />receive payment in the form of a check. Class Members, as fiduciaries of their Plans, shall be solely responsible <br />for all fiduciary decisions related to the use of any proceeds of the Distributable Settlement Amount and release and <br />hold harmless Defendant's Released Parties from any claims related thereto. All checks must be cashed within 90 <br />days of issuance. <br />If you want to receive any monetary benefits from the Settlement, you must submit the <br />Instruction Form by December 1, 2014. The Instruction Form should be mailed to the <br />address shown on the Form. <br />An Instruction Form will be deemed submitted when it is actually received by the Settlement Administrator at the <br />address listed in the Instruction Form. <br />Even if you do not submit an Instruction Form, you will be bound by the Settlement <br />unless you opt out. (See answers to questions 14 and 15 below.) <br />10. What are the Plaintiffs receiving from the Settlement? <br />In this case there are two class representatives, HSI and TDC. Class Counsel intends to ask the Court to award HSI <br />a Case Contribution Fee of $50,000 and TDC a Case Contribution Fee of $25,000 in recognition of all of their work <br />and effort expended on behalf of the Class. <br />THE SETTLEMENT BENEFITS — WHAT YOU GIVE UP <br />11. What do I give up by participating in the Settlement? <br />Unless you opt out of the Class, each member of the Class gives ILIAC a "release." A release means you give up, <br />your rights, and the rights of your plan, and its participants and beneficiaries, to sue ILIAC or receive any benefits <br />from any other lawsuit against ILIAC if the lawsuit asserts claims or relates in any way to the practices at issue in <br />this lawsuit. <br />For additional details about the scope of the release, consult the Settlement Agreement or contact Class Counsel. <br />(See answer to question 5 for details.) <br />THE LAWYERS REPRESENTING YOU <br />12. Do I have a lawyer in this case? <br />Yes. The Court has appointed two law firms to represent you and other Class Members: Shepherd, Finkelman, <br />Miller &Shah, LLP ("SFMS") and O'Neil, Cannon, Hollman, DeJong & Laing, S.C. These lawyers are called <br />Class Counsel and SFMS has been appointed as Lead Counsel. You will not be charged for the work of these <br />lawyers. If you want to be represented by a different lawyer in this case, you may hire one at your own expense. <br />13. How will the lawyers (Class Counsel) be paid? <br />Class Counsel will ask the Court for an award of reasonable attorneys' fees of up to $6.2 million plus expenses of up <br />to $615,000 from the Qualified Settlement Fund, based upon the value of the Settlement, the time they have <br />devoted to this engagement and the expenses they have advanced in prosecuting this matter. <br />3 <br />124 <br />