SUMMARY OF YOUR OPTIONS AND THE LEGAL EFFECT OF EACH OPTION

DO NOTHING

 If you are a Class Member (defined below) who no longer has an open   account with Defendant and you don’t do anything, you will receive a   payment from the Settlement Fund, so long as you do not opt out of or   exclude yourself from the settlement (described in the next box). If you are a   Class Member (defined below) who still has an open account with Defendant   and you don’t do anything, you will receive a credit to your account from the   Settlement Fund, so long as you do not opt out of or exclude yourself from   the settlement (described in the next box). If you are a Class Member   (defined below), regardless of whether you still have an open account with   Defendant and you don’t do anything, you may also be eligible to have up to   $500.00 of all amounts you may owe Defendant from qualifying deposit   accounts that were charged off by Defendant between August 11, 2015 and   February 4, 2022 forgiven, so long as you do not opt out of or exclude   yourself from the settlement (described in the next box). Under all of these   scenarios, you will also release all claims you have against Defendant related   to the assessment of fees on transactions previously authorized on a positive   balance that later settled into a negative balance.

EXCLUDE YOURSELF FROM THE SETTLEMENT; RECEIVE NO PAYMENT BUT RELEASE NO CLAIMS

 You can choose to exclude yourself from the settlement or “opt out.” This         means you choose not to participate in the settlement. You will keep any   individual claims you may have against Defendant, but you will not receive a   payment or a credit to your account. You will also be ineligible for the debt   forgiveness described in this Notice and the settlement. If you exclude   yourself from the settlement but want to recover against Defendant, you will   have to file a separate lawsuit or claim.

OBJECT TO THE SETTLEMENT

 You can file an objection with the Court explaining why you believe the Court   should reject the settlement. If your objection is overruled by the Court, then   you will receive a payment and you will not be able to sue Defendant for the   claims asserted in this litigation. If the Court agrees with your objection, then   the settlement may not be approved.