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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'i still not sure if I'm included in the Class? <br /> THESETTLEMENT BENEFITS..............................................................................................................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........................................................................................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...................................................................................................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....................................................................................................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 .....................................................................................................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..............................................................................................................................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 /> i <br /> 63 <br /> -2- <br />