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WHATTHIS NOTICE CONTAINS <br />BASICINFORMATION............................................................................................................................ Page 3 <br />I <br />1. Why did I get this notice? <br />2. What is a (class action? <br />3. Who are the Class Representatives in this lawsuit? <br />4. Who are the Defendants and Co -Conspirators? <br />5. What claims are the Class Representatives making on my behalf? <br />6. Why is there a Settlement? <br />7. Are All Defendants other than Bank of America settling? <br />WHO IS AFFECTED BYTHE SETTLEMENT?....................................................................................... Page 5 <br />8. How do I know if I am a member of the Class? <br />9. Are there exceptions to being included in the Class? <br />10. What if I'm still not sure if I'm included in the Class? <br />THESETTLEMENT BENEFITS.............................................................................................................. <br />Page 5 <br />11. What doesithe Settlement provide? <br />12. How much will my payment be? <br />13. How can I get a payment? <br />14. When would I get a payment? <br />15. What am Ilgiving up to stay in the Class? <br />EXCLUDING YOURSELF FROM THE CLASS........................................................................................ <br />Page 6 <br />16. How do I get out of the Class? <br />17. If I don't exclude myself from the Class, can I sue Settling Defendants later? <br />18. If I exclude Imyself from the Class, can I get money as a result of the Settlements? <br />19. What if I pi rticipated in the State AG Settlements? <br />THE LAWYERS REPRESENTING YOU................................................................................................... <br />Page 8 <br />20. Do I have a! lawyer in this case? <br />21. How will the lawyers be paid? <br />OBJECTING TO THE SETTLEMENT.................................................................................................... <br />Page 8 <br />22. If I disagree with the Settlement, how do I tell the Court? <br />i <br />23. What's the � ifference between objecting to the Settlement and excluding myself from the Class? <br />THE COURT'S FAIRNESS HEARING..................................................................................................... <br />Page 9 <br />24. When and (where will the Court decide whether to approve the Settlement? <br />25. Do I have to come to the hearing? <br />26. May I speal at the hearing? <br />IFYOUDO NOTHING.............................................................................................................................. <br />Page 9 <br />27. What happens if I do nothing at all? <br />GETTINGMORE INFORMATION......................................................................................................... Page 9 <br />28. Are there more details about the Settlement? <br />29. How do I get more information? <br />30. How can I update my address? <br />2 63 <br />