​ lass Counsel:​ C ​ ettlement Administrator:​ S ​ ou may access the Settlement Website by​ Y ​Attorney Richard Shenkan​ ​Class-Settlement.com​ ​using the camera on your mobile device to​ ​Shenkan Injury Lawyers, LLC.​ ​PO Box 9009​ ​scan this QR code:​ ​6550 Lakeshore St. West Bloomfield, MI 48323​ ​Hicksville, NY 11802-9009​ ​Email: Info@CreditInjury.com​ ​Toll Free Number: 1 (877) 268-2976​ ​Fax No: 1-(888) 769-1774​ ​Toll Free Number: 1(800) 490-9287​ ​ OURT OF COMMON PLEAS​ C ​LACKAWANNA COUNTY, PENNSYLVANIA​ ​NOTICE OF PROPOSED CLASS ACTION SETTLEMENT​ ​RE: Case No. 14-cv-5108​ ​Steven Roses, individually and on behalf of all others similarly situated v. Peoples Security Bank & Trust​ ​Company and Peoples Financial Services Corp.​ ​A Court has authorized this Notice. This is not a solicitation from a lawyer. You are receiving this​ ​Notice because you may be a Class Member for purposes of a proposed Settlement. Your rights may​ ​be affected whether or not you act in response to this Notice. Please read this Notice carefully.​ ​ HY HAVE YOU BEEN SENT THIS NOTICE​ W p​ eople​ ​who​ ​meet​ ​this​ ​definition​ ​are​ ​known​ ​as​ ​“Class​ ​The​ ​class​ ​action​ ​lawsuit​ ​Steven​ ​Roses,​ ​individually​ ​and​ ​on​ ​Member(s).”​ ​behalf​​of​​all​​others​​similarly​​situated​​v.​​Peoples​​Security​​Bank​​&​ ​Trust​ ​and​ ​Peoples​ ​Financial​ ​Services​ ​Corp.​​,​ ​14-cv-5108,​ ​(the​ ​ he​ ​relevant​ ​time​ ​period​ ​for​ ​the​​Settlement​​is​​from​​September​ T ​“Litigation”),​ ​is​ ​pending​ ​before​ ​the​ ​Honorable​ ​Margaret​ ​A.​ ​15,​​2008​​through​​November​​7,​​2017.​ ​According​​to​​Defendants’​ ​Bisignani​​Moyle​​in​​the​​Court​​of​​Common​​Pleas​​of​​Lackawanna​ ​records,​​you​​are​​a​​Class​​Member.​​If​​you​​do​​not​​exclude​​yourself​ ​County,​​Pennsylvania.​​The​​parties​​to​​the​​Litigation​​have​​reached​ ​(opt​​out)​​from​​the​​Settlement​​as​​discussed​​herein,​​then​​you​​will​ ​a proposed settlement (the “Settlement”).​ ​be​ ​subject​ ​to​ ​and​ ​bound​ ​by​ ​the​ ​terms​ ​of​ ​the​ ​Settlement.​ ​ he​ ​Settlement,​ ​if​ ​approved​ ​by​ ​the​ ​Court,​ ​will​ ​resolve​ ​the​ T ​Accordingly, please read this Notice carefully.​ ​Litigation​ ​filed​ ​by​ ​Steven​ ​Roses​ ​(“Plaintiff”​ ​or​ ​“Class​ ​Representative”)​ ​against​ ​Peoples​ ​Security​ ​Bank​ ​&​ ​Trust​ ​and​ ​ nder​ ​the​ ​Settlement,​ ​Defendants​ ​will​ ​provide​ ​a​ ​gross​ U ​Peoples​ ​Financial​ ​Services​ ​Corp.​ ​(“Defendants”)​ ​over​ ​whether​ ​settlement​​payment​​of​​$1,152,673.00​​to​​a​​Settlement​​Fund​​to​​be​ ​Defendants​ ​complied​ ​with​ ​the​ ​Pennsylvania​ ​Uniform​ ​used​ ​to​ ​pay​ ​(i)​ ​a​ ​pro​ ​rata​ ​cash​ ​payment​ ​for​ ​each​ ​Account​ ​Commercial​ ​Code​ ​(“UCC”),​ ​independently,​ ​and​​in​​conjunction​ ​associated​ ​with​ ​a​​Class​​Member;​​(ii)​​the​​costs​​of​​administering​ ​with​ ​the​ ​Pennsylvania​ ​Motor​ ​Vehicle​ ​Sales​ ​Finance​ ​Act​ ​the​​Settlement;​​(iii)​​attorneys’​​fees​​and​​expenses,​​as​​awarded​​by​ ​(“MVSFA”),​ ​and​ ​the​ ​Fair​ ​Credit​ ​Extension​ ​Uniformity​ ​Act.​ ​the​ ​Court,​ ​and​ ​(iv)​ ​an​ ​Incentive​ ​Payment​ ​to​ ​the​ ​Class​ ​Plaintiff​ ​alleges​ ​that​ ​Defendants​ ​violated​ ​the​ ​requirements​ ​Representative,​ ​as​ ​awarded​ ​by​ ​the​ ​Court.​ ​The​ ​pro​ ​rata​ ​cash​ ​relating​ ​to​ ​various​ ​laws​ ​governing​ ​the​​repossession​​of​​vehicles​ ​payments​ ​for​ ​Accounts​ ​with​ ​more​ ​than​ ​one​ ​borrower​ ​will​ ​be​ ​and​ ​collection​ ​of​ ​debt.​​Defendants​​deny​​and​​dispute​​the​​claims​ ​split​ ​evenly​ ​among​ ​the​ ​co-borrowers,​ ​unless​ ​requested​ ​asserted​ ​in​ ​the​ ​Litigation.​ ​The​ ​Settlement​ ​avoids​ ​the​​costs​​and​ ​otherwise, as explained below.​ ​risks​ ​to​ ​the​ ​parties​ ​associated​ ​with​ ​proceeding​ ​with​ ​the​ ​ ro Rata Cash Payments​ P ​Litigation.​ ​The​​amount​​remaining​​in​​the​​Settlement​​Fund,​​after​​payment​​of​ ​ he​ ​Settlement​ ​defines​ ​the​ ​“Class”​​1​ ​as:​ ​individuals​ ​including​ T ​the​ ​attorneys’​ ​fees​ ​and​ ​expenses,​ ​the​ ​Incentive​ ​Award​ ​to​ ​the​ ​Plaintiff​ ​but​ ​excluding​ ​Anthony​ ​Rakus,​ ​who​ ​within​ ​the​ ​Class​ ​Class​ ​Representative,​​and​​payment​​of​​settlement​​administration​ ​Period:​ ​(a)​ ​financed​ ​a​ ​motor​ ​vehicle​ ​primarily​ ​for​ ​personal,​ ​expenses,​​will​​be​​divided​​among​​the​​Class​​Members​​on​​an​​equal​ ​family​​or​​household​​use​​through​​Defendants​​or​​whose​​consumer​ ​per-Account​​basis.​​This​​will​​result​​in​​an​​anticipated​​pro​​rata​​cash​ ​loan​​contract​​or​​instalment​​sales​​contract​​was​​assigned​​to​​one​​of​ ​payment​ ​of​ ​approximately​ ​$1,300​ ​per​ ​Account.​ ​If​​you​​were​​to​ ​the​​Defendants;​​(b)​​had​​a​​Pennsylvania​​address​​as​​of​​the​​date​​of​ ​exclude​ ​yourself​ ​from​ ​the​ ​Settlement​ ​and​ ​pursue​ ​the​ ​claims​ ​repossession;​ ​(c)​ ​experienced​ ​the​ ​repossession​ ​of​ ​their​ ​vehicle​ ​made​ ​in​ ​this​ ​Class​ ​Action​ ​in​ ​your​ ​own​​individual​​lawsuit,​​and​ ​by​​or​​at​​the​​direction​​of​​either​​Defendant,​​as​​secured​​party;​​and​ ​assuming​ ​you​ ​ultimately​ ​prevailed,​ ​you​ ​would​ ​be​ ​entitled​ ​to​ ​(d)​ ​Either:​ ​(A)​ ​Were​ ​sent​ ​a​ ​Notice​ ​of​ ​Repossession​ ​by​ ​receive​ ​either​ ​actual​ ​damages,​ ​for​ ​any​​actual​​damages​​you​​can​ ​Defendant(s)​​or​​their​​agent​​which​​failed​​to:​​(1)​​state​​the​​intended​ ​prove,​​or​​(if​​you​​purchased​​the​​repossessed​​vehicle​​for​​consumer​ ​method​ ​of​ ​disposition;​ ​or,​ ​(2)​ ​state​ ​the​ ​time​ ​and​ ​place​ ​of​ ​any​ ​use)​ ​minimum​ ​statutory​ ​damages.​ ​Your​ ​minimum​ ​statutory​ ​public​​disposition;​​or​​(3)​ ​state​ ​that​ ​the​ ​debtor​ ​is​ ​entitled​ ​to​​an​ ​accounting​​of​​the​​unpaid​​indebtedness​​and​​the​​charge,​​if​​any,​​for​ ​damages​ ​are​ ​computed​ ​by​ ​adding​ ​the​ ​credit​ ​service​ ​charge​ ​such an accounting; or (B)​​Were sent no such notice at all. The​ ​(finance​​charge)​​plus​​10%​​of​​the​​principal​​amount​​of​​your​​loan.​ ​This​ ​information​ ​is​ ​set​ ​forth​ ​in​ ​your​ ​Retail​ ​Installment​ ​Sales​ ​1​ ​Capitalized​​Terms​​are​​defined​​in​​the​​Settlement​​Agreement,​​a​​copy​​of​ ​Contract.​ ​Pro​ ​rata​ ​cash​ ​payments​ ​on​ ​Accounts​ ​with​​more​​than​ ​which will be promptly provided upon request..​ ​one​ ​borrower​ ​will​ ​be​ ​split​ ​evenly​ ​among​ ​the​ ​co-borrowers,​ ​1​ ​ nless​​requested​​otherwise​​pursuant​​to​​the​​requirements​​set​​forth​ u ​ our Options​ Y ​below.​​Pro​​rata​​cash​​payments​​on​​Accounts​​with​​more​​than​​one​ ​borrower​​where​​the​​Settlement​​Administrator​​can​​determine​​that​ ​At​ ​this​ ​time,​ ​you​ ​are​ ​assumed​ ​to​ ​be​ ​a​ ​Class​ ​Member​ ​who​ ​is​ ​participating​ ​in​ ​the​ ​Settlement.​ ​Therefore,​ ​your​ ​rights​ ​will​ ​be​ ​one​ ​of​ ​the​ ​co-borrowers​ ​is​ ​now​ ​deceased​ ​will​ ​be​ ​paid​ ​to​ ​the​ ​affected​ ​even​ ​if​ ​you​ ​do​ ​nothing.​ ​Please​ ​read​ ​this​ ​Notice​ ​surviving​ ​co-borrower,​ ​absent​ ​a​ ​request​ ​by​ ​the​ ​legal​ ​carefully. The following is a general summary of the actions you​ ​representative,​ ​executor,​ ​or​ ​administrator​ ​of​ ​the​ ​estate​ ​of​ ​the​ ​can​ ​take​ ​and​ ​the​​results​​of​​those​​actions.​​If​​you​​want​​to​​have​​a​ ​deceased​ ​co-borrower​ ​pursuant​ ​to​ ​the​ ​requirements​ ​set​ ​forth​ ​detailed​ ​discussion​ ​regarding​ ​your​ ​specific​ ​situation​ ​or​ ​have​ ​below.​ ​Pro​ ​rata​ ​cash​ ​payments​ ​for​ ​Accounts​ ​with​ ​only​ ​one​ ​other​ ​questions​ ​or​ ​concerns,​ ​you​​may​​contact​​Class​​Counsel​​at​ ​borrower​​where​​the​​Settlement​​Administrator​​can​​determine​​that​ ​1-(800) 490-9287.​ ​a​ ​borrower​​is​​deceased​​will​​not​​be​​paid​​absent​​a​​request​​by​​the​ ​legal,​ ​executor​ ​or​ ​administrator​ ​of​ ​the​ ​estate​ ​of​ ​the​ ​deceased​ ​borrower pursuant to the requirements set forth below.​ ​YOUR ACTION​ ​RESULT OF THAT ACTION​ ​DO NOTHING​ ​ ou​ ​remain​ ​in​ ​the​ ​Settlement.​ ​If​ ​the​ ​Settlement​ ​is​ ​approved,​ ​you​ ​will​ ​receive​ ​the​ ​benefits​ Y ​summarized​ ​in​ ​this​ ​notice.​ ​In​ ​exchange,​ ​you​ ​give​ ​up​ ​the​ ​right​ ​to​ ​sue​ ​Defendants​ ​for​ ​matters​ ​concerning​​your​​Account​​and​​the​​repossession​​and​​sale​​of​​your​​vehicle​​up​​to​​the​​end​​of​​the​​Class​ ​Period as set forth in the Settlement Agreement.​ ​ASK TO BE EXCLUDED​ ​ ou​ ​are​ ​removed​ ​from​ ​the​ ​Settlement.​ ​You​ ​will​ ​not​ ​receive​ ​the​ ​benefits​ ​summarized​ ​in​ ​this​ Y ​Notice.​​However,​​this​​is​​the​​only​​option​​that​​allows​​you​​to​​pursue​​(or​​continue)​​your​​own​​lawsuit​ ​or​ ​to​ ​participate​ ​in​ ​any​ ​other​ ​lawsuit​ ​against​ ​Defendants​ ​concerning​ ​your​ ​Account​ ​or​ ​the​ ​repossession​​and​​sale​​of​​your​​vehicle.​​The​​deadline​​for​​you​​to​​submit​​your​​signed​​request​​to​​be​ ​excluded​ ​is​ ​September​ ​21,​ ​2026,​ ​so​ ​you​ ​must​ ​act​​promptly.​​Note​​that​​if​​you​​exclude​​yourself​ ​from​​the​​Settlement,​​then​​the​​Settlement​​will​​not​​impact​​you,​​and​​therefore,​​you​​have​​no​​right​​to​ ​object​​to​​the​​Settlement.​​See​​Paragraphs​​15-17​​and​​21​​below.​​If​​you​​exclude​​yourself​​so​​that​​you​ ​can​ ​pursue​ ​your​​own​​individual​​lawsuit​​against​​the​​Defendants​​and​​you​​executed​​an​​arbitration​ ​agreement,​ ​the​ ​Defendants​ ​may​ ​attempt​ ​to​ ​enforce​ ​the​ ​arbitration​ ​agreement​ ​to​​require​​you​​to​ ​submit your claim(s) through arbitration.​ ​ BJECT TO THE​ O I​ f​​you​​object​​to​​the​​Settlement,​​you​​are​​still​​in​​the​​Settlement,​​but​​you​​have​​notified​​the​​Court​​in​ ​writing​​that​​you​​do​​not​​like​​the​​Settlement​​and​​the​​reason(s)​​why.​​The​​deadline​​for​​you​​to​​submit​ ​SETTLEMENT​ ​a​​signed​​objection​​is​​September​​21,​​2026​​,​​so​​you​​must​​act​​promptly.​​See​​Paragraph​​20,​​below.​​If​ ​you​​exclude​​yourself​​from​​the​​Settlement,​​then​​the​​Settlement​​will​​not​​impact​​you,​​and​​therefore,​ ​you have no right to object to the Settlement.​ ​ EQUEST AN ALTERNATIVE​ R I​ f​​you​​are​​a​​co-borrower​​on​​an​​Account,​​you​​may​​also​​request​​an​​alternate​​division​​of​​the​​pro​​rata​ ​DIVISION OF THE PRO RATA​ ​cash​​payment​​between​​co-borrowers​​on​​an​​Account,​​rather​​than​​the​​presumptive​​equal​​division.​ ​CASH PAYMENT​ ​This​​is​​not​​the​​same​​as​​objecting​​to​​the​​Settlement​​and​​you​​will​​still​​be​​a​​part​​of​​the​​Settlement.​ ​(CO-BORROWERS ONLY)​ ​The​​deadline​​for​​you​​to​​submit​​a​​request​​for​​alternate​​division​​to​​the​​equal​​payment​​allocation​​is​ ​September 21, 2026​​, so you must act promptly. See​​Paragraph 22, below.​ ​Pro​​rata​​cash​​payments​​for​​Accounts​​with​​more​​than​​one​​borrower​​where​​one​​of​​the​​co-borrowers​ ​REQUEST AN ALTERNATIVE​ ​is​​now​​deceased​​will​​be​​paid​​to​​the​​surviving​​co-borrower,​​absent​​a​​written​​request​​by​​the​​legal​ ​DISTRIBUTION OF THE PRO​ ​representative,​ ​executor,​​or​​administrator​​of​​the​​estate​​of​​the​​deceased​​Class​​Member​​supported​ ​RATA CASH PAYMENTS​ ​by​ ​sufficient​ ​documentation.​ ​For​ ​Accounts​ ​with​ ​only​ ​one​ ​borrower​ ​where​ ​the​ ​Settlement​ ​RELATING TO ACCOUNTS​ ​Administrator​ ​can​ ​determine​​that​​the​​borrower​​is​​deceased,​​no​​payments​​will​​be​​made​​absent​​a​ ​WITH DECEASED CLASS​ ​written​​request​​by​​the​​legal​​representative,​​executor,​​or​​administrator​​of​​the​​estate​​of​​the​​deceased​ ​ EMBERS​ M ​Class​ ​Member​ ​supported​ ​by​ ​sufficient​ ​documentation.​ ​The​ ​deadline​ ​for​ ​you​ ​to​ ​submit​ ​such​ ​written​ ​requests​ ​is​ ​September​ ​21,​ ​2026,​ ​so​ ​you​ ​must​ ​act​ ​promptly.​ ​Creditors,​ ​heirs,​ ​or​ ​legal​ ​representatives​​of​​deceased​​Class​​Members​​estates​​are​​responsible​​for​​hiring​​their​​own​​counsel​​to​ ​represent them, should they deem it necessary. See Paragraph 11, below.​ ​ O TO THE HEARING​ G ​ nless​ ​you​ ​ask​ ​to​ ​be​ ​excluded,​ ​you​ ​are​ ​still​ ​in​ ​the​ ​Settlement​ ​and​ ​get​ ​the​ ​benefits​ ​of​ ​the​ U ​WHERE THE COURT​ ​Settlement​​that​​you​​are​​eligible​​for​​(as​​explained​​in​​this​​Notice),​​if​​approved​​by​​the​​Court.​​You​​do​ ​CONSIDERS WHETHER TO​ ​not​​need​​to​​attend​​the​​hearing​​to​​get​​the​​benefits​​of​​the​​Settlement,​​but​​you​​are​​invited​​to​​attend​ ​APPROVE THE​ ​and​​will​​be​​afforded​​an​​opportunity​​to​​speak​​in​​Court​​about​​the​​fairness​​of​​the​​Settlement​​(should​ ​SETTLEMENT​ ​you​ ​choose​ ​to​ ​do​ ​so).​ ​If​ ​you​​object​​to​​the​​Settlement,​​you​​need​​to​​state​​in​​your​​objection​​your​ ​intention to appear at the fairness hearing. See Paragraphs 23 through 25 below.​ ​2​ ​WHAT THIS NOTICE CONTAINS​ ​BASIC INFORMATION​ ​1.​ ​Why is there a Notice?​ 3​ ​ ​17.​ ​If I exclude myself, can I still benefit from this​ ​2.​ ​What is this Litigation About?​ ​3​ ​Settlement?​ ​5​ ​3.​ ​Why is this a Class Action?​ ​3​ ​4.​ ​Why is there a Settlement?​ ​3​ ​THE LAWYERS REPRESENTING YOU​ ​WHO IS IN THE SETTLEMENT?​ ​18.​ ​Do I have a lawyer in the case?​ ​​ 5 ​19.​ ​How will the lawyers be paid?​ ​5​ ​5.​ ​How do I know if I am part of the Settlement?​ ​4​ ​6.​ ​What if I am not sure whether I am included in the​ ​OBJECTING TO THE SETTLEMENT​ ​Settlement?​ ​4​ ​20.​ ​How do I tell the Court if I do not like the Settlement?​​5​ ​THE SETTLEMENT BENEFITS​ ​21.​ ​What is the difference between objecting and asking to​ ​be excluded?​ ​5​ ​7.​ ​What does the Settlement provide?​ ​4​ ​8.​ ​When will I receive my benefits?​ ​4​ ​ EQUESTING​​AN​​ALTERNATIVE​​DIVISION​​OF​​PAYMENTS​ R ​9.​ ​What am I giving up and what claims might I still have​ ​(FOR CO-BORROWERS)​ ​to pursue if I remain in the Settlement?​ ​4​ ​22.​ ​If I am a co-borrower, can I request an alternative​ ​10.​ ​Will this affect my taxes?​ ​4​ ​division (alternative to the equal division) of the pro​ ​11.​ ​What happens if this notice is addressed to a Class​ ​rata cash payment as between both co-borrowers?​ ​5​ ​Member that has passed away?​ ​4​ ​THE COURT’S FAIRNESS HEARING​ ​12.​ ​What happens if this debt was discharged in or is​ ​presently included in a bankruptcy?​ ​4​ ​23.​ ​When, where, and how will the Court decide whether to​ ​13.​ ​What happens if I voluntarily surrendered my vehicle,​ ​approve the Settlement?​ ​6​ ​redeemed my vehicle, or reinstated my Account?​ ​4​ ​24.​ ​Do I have to attend the fairness hearing?​ ​6​ ​25.​ ​May I speak at the hearing?​ ​6​ ​HOW TO GET BENEFITS​ ​GETTING MORE INFORMATION​ ​14.​ ​Do I need to do anything to get the benefits of the​ ​settlement?​ ​5​ ​26.​ ​How do I get more information?​ ​6​ ​EXCLUDING YOURSELF FROM THE SETTLEMENT​ ​15.​ ​How do I exclude myself from the Settlement?​ ​5​ ​16.​ ​If I do not exclude myself, can I sue the Defendants for​ ​the same thing later?​ ​5​ ​BASIC INFORMATION​ ​ he​ ​Defendants,​ ​on​ ​the​ ​other​ ​hand,​ ​contend​ ​that​ ​the​ T ​post-repossession​​consumer​​disclosure​​notices​​it​​sent​​to​​Plaintiff​ ​ .​ ​Why is there a Notice?​ 1 ​and​ ​the​ ​Class​ ​Members​ ​complied​ ​in​ ​all​ ​respects​ ​with​ ​its​ ​A​ ​Court​​has​​authorized​​this​​Notice​​because​​you​​have​​a​​right​​to​ ​statutory​​obligations,​​that​​it​​otherwise​​complied​​with​​the​​law​​in​ ​know​ ​about​ ​the​ ​proposed​ ​Settlement​ ​and​ ​your​ ​options.​ ​In​ ​all​ ​respects,​ ​and​ ​that​ ​it​ ​denies​ ​any​ ​and​ ​all​ ​liability.​ ​The​ ​summary​ ​fashion,​ ​this​ ​Notice​ ​explains​ ​the​ ​Litigation,​ ​the​ ​key​ ​Defendants​ ​further​ ​contend​ ​that​ ​they​ ​are​ ​entitled​ ​to​ ​pursue​ ​terms​ ​of​ ​the​ ​proposed​ ​Settlement​ ​and​ ​your​ ​legal​ ​rights.​ ​If​ ​the​ ​collection​​of​​the​​Deficiency​​Balances,​​and​​assert​​other​​defenses.​ ​Court​ ​approves​ ​the​ ​Settlement,​ ​after​ ​any​ ​appeals​ ​are​ ​resolved,​ ​These​​issues​​have​​not​​yet​​been​​decided​​by​​the​​Court,​​and,​​if​​the​ ​the​ ​Settlement​ ​Administrator​ ​will​ ​make​ ​the​ ​pro​ ​rata​ ​cash​ ​Settlement​​is​​approved,​​these​​issues​​will​​not​​be​​resolved​​on​​the​ ​payments to Class Members.​ ​merits.​ ​ .​ ​What is this Litigation About?​ 2 ​ .​ ​Why is this a Class Action?​ 3 ​The​ ​Plaintiff​ ​has​ ​claimed​ ​that​ ​the​ ​Defendants​ ​violated​ ​the​ ​In​ ​a​ ​class​ ​action,​ ​one​ ​or​ ​more​ ​people​ ​called​ ​“representative​ ​Pennsylvania​ ​Uniform​ ​Commercial​​Code​​(UCC)​​independently​ ​plaintiffs”​ ​or​ ​“Class​ ​Representatives”​ ​sue​ ​on​ ​behalf​ ​of​ ​and​ ​in​ ​conjunction​ ​with​ ​the​ ​Pennsylvania​ ​Motor​ ​Vehicle​​Sales​ ​themselves​ ​and​ ​other​ ​people​ ​with​ ​similar​ ​claims​ ​(“Class​ ​Finance​ ​Act​ ​(MVSFA)​ ​by​ ​(1)​ ​failing​ ​to​ ​send​ ​its​ ​borrowers​ ​Members”).​ ​All​ ​these​ ​people​ ​together​ ​are​ ​the​ ​“Class.”​ ​In​ ​this​ ​proper​ ​Notices​ ​of​ ​Repossession​ ​after​ ​Defendants​ ​repossessed​ ​Litigation,​ ​the​ ​Plaintiff​ ​Steven​ ​Roses​ ​is​ ​the​ ​Class​ ​Class​ ​Members​ ​motor​ ​vehicles​ ​(2)​ ​failing​ ​to​ ​send​ ​proper​ ​Representative.​ ​If​ ​this​ ​Settlement​ ​is​ ​approved,​ ​the​ ​Settlement​ ​post-sale​ ​notices​ ​after​ ​the​ ​repossessed​ ​vehicles​ ​were​ ​sold​ ​or​ ​will​ ​resolve​ ​the​ ​claims​ ​of​ ​all​ ​Class​ ​Members​ ​except​ ​for​ ​those​ ​otherwise​ ​disposed​ ​of.​ ​Plaintiff​ ​has​ ​also​ ​claimed​ ​that​ ​the​ ​individuals who exclude themselves from the class.​ ​Defendants​ ​(1)​ ​violated​ ​the​ ​Fair​ ​Credit​ ​Extension​ ​Uniformity​ ​Act​​by​​engaging​​in​​unfair​​or​​deceptive​​acts​​or​​practices,​​(2)​​were​ ​ .​ ​Why is there a Settlement?​ 4 ​unjustly​​enriched​​by​​Class​​Members’​​payments​​towards​​invalid​ ​The​ ​Court​ ​has​ ​not​ ​decided​ ​in​ ​favor​ ​of​ ​the​ ​Plaintiff​ ​or​ ​Deficiency​ ​Balances​ ​and​ ​by​ ​proceeds​ ​of​ ​improper​ ​sales​ ​of​ ​Defendants.​​Instead,​​both​​sides​​have​​agreed​​to​​a​​Settlement.​​By​ ​collateral,​ ​and​ ​(3)​ ​illegally​ ​obtained​ ​title​ ​to​ ​the​ ​repossessed​ ​agreeing​​to​​the​​Settlement,​​both​​sides​​avoid​​the​​cost​​and​​risk​​of​​a​ ​vehicles​ ​via​ ​false​ ​certifications​ ​on​ ​PennDOT​ ​forms.​ ​Plaintiffs,​ ​trial,​ ​and​ ​the​ ​individuals​ ​affected​ ​may​ ​decide​ ​whether​ ​to​ ​on​​their​​own​​behalf​​and​​on​​behalf​​of​​the​​Class​​Members,​​sought​ ​participate​ ​in​ ​the​ ​Settlement.​ ​Class​ ​Counsel​ ​recommends​ ​the​ ​to​ ​recover​​the​​greater​​of​​actual​​and​​statutory​​damages,​​punitive​ ​Settlement.​ ​Without​ ​a​ ​Settlement,​​there​​would​​continue​​to​​be​​a​ ​damages,​ ​treble​ ​damages,​ ​and​ ​certain​ ​declaratory,​ ​injunctive,​ ​dispute​ ​concerning​ ​class​ ​certification​ ​and​ ​disputes​ ​concerning​ ​and​ ​equitable​ ​relief,​ ​including​ ​the​ ​vacating​ ​of​ ​Deficiency​ ​liability​​and​​damages​​that​​would​​need​​to​​be​​determined​​at​​trial.​ ​Balances​ ​on​ ​Class​ ​Members’​ ​Accounts,​ ​and​ ​the​ ​removal​ ​of​ ​A​ ​trial​ ​could​ ​result​ ​in​ ​a​ ​greater​ ​benefit​ ​to​ ​Class​ ​Members,​ ​a​ ​Class​ ​Members’​ ​credit​ ​tradelines​ ​related​ ​to​ ​the​ ​subject​​vehicle​ ​smaller​ ​benefit​ ​to​ ​Class​ ​Members,​ ​or​ ​no​​benefit​​at​​all​​to​​Class​ ​and repossession.​ ​Members.​​A​​trial​​could​​also​​potentially​​result​​in​​Class​​Members​ ​being​ ​held​ ​liable​ ​for​ ​the​ ​Deficiency​ ​Balances​ ​which,​ ​though​ ​3​ ​ isputed,​ ​Defendants​ ​claim​​are​​owed.​​This​​Settlement​​provides​ d ​ .​ ​When will I receive my benefits?​ 8 ​relief​ ​in​ ​the​ ​form​ ​of​ ​pro​ ​rata​ ​cash​ ​payments.​ ​This​ ​Settlement​ ​Class​​Members​​will​​receive​​their​​benefits​​after​​the​​Court​​grants​ ​does not mean that Defendants did anything wrong.​ ​final​​approval​​of​​the​​Settlement​​(see​​Question​​23)​​and​​after​​any​ ​WHO IS IN THE SETTLEMENT?​ ​appeals​ ​are​ ​resolved.​ ​If​ ​there​ ​are​ ​appeals,​ ​resolving​ ​them​ ​can​ ​take time. Please be patient.​ I​ f​ ​you​ ​received​ ​this​ ​Notice​ ​in​ ​the​ ​mail,​ ​Defendants’​ ​records​ ​indicate​ ​you​ ​are​ ​a​ ​Class​ ​Member​ ​and​ ​are​ ​included​ ​in​ ​this​ ​9.​ ​What​​am​​I​​giving​​up​​and​​what​​claims​​might​​I​​still​​have​ ​Settlement,​ ​unless​ ​you​ ​exclude​ ​yourself.​ ​Even​ ​if​ ​you​ ​did​ ​not​ ​to pursue if I remain in the Settlement?​ ​receive​ ​a​ ​mailed​ ​notice,​ ​you​ ​may​ ​still​ ​be​ ​a​​Class​​Member​​and​ ​Unless​ ​you​ ​exclude​ ​yourself​ ​from​ ​the​ ​Settlement,​ ​you​ ​will​ ​included in this Settlement, as described below.​ ​become​​a​​Class​​Member​​and​​you​​will​​give​​up​​your​​right​​to​​sue​ ​(or​ ​continue​ ​a​​lawsuit​​against)​​the​​Defendants​​pertaining​​to​​the​ ​5.​ ​How do I know if l am part of the Settlement?​ ​subject​ ​Account,​ ​including​ ​repossession-related​ ​matters.​ ​The​ ​claims​ ​which​ ​you​ ​would​ ​be​ ​releasing​ ​are​ ​set​ ​forth​ ​in​ ​the​ ​ ou​ ​are​ ​included​ ​in​ ​the​ ​Settlement​ ​if​ ​you​ ​fall​ ​within​ ​the​ Y ​Settlement​​Agreement.​​A​​full​​copy​​of​​the​​Settlement​​Agreement​ ​definition​​of​​the​​Class,​​as​​set​​forth​​in​​the​​Settlement,​​and​​do​​not​ ​will be promptly provided to you at your request.​ ​exclude​ ​yourself​ ​from​ ​the​ ​Settlement​ ​(see​​below​​for​​where​​the​ ​related documents can be requested or reviewed).​ ​ 0.​​Will this affect my taxes?​ 1 ​Potential​​Tax​​Obligation​​:​​While​​you​​will​​not​​be​​issued​​any​​IRS​ ​Tax​ ​Form​ ​1099-MISC​ ​or​ ​1099-C​ ​in​ ​connection​ ​with​ ​this​ ​6.​ ​What​ ​if​ ​I​ ​am​ ​not​ ​sure​ ​whether​ ​I​ ​am​ ​included​ ​in​ ​the​ ​settlement,​ ​you​ ​should​ ​promptly​ ​consult​ ​a​ ​tax​ ​professional​ ​Settlement?​ ​relating​​to​​this​​settlement​​as​​you​​may​​have​​a​​tax​​obligation​​that​ I​ f​ ​you​ ​are​​not​​sure​​whether​​you​​are​​included​​in​​the​​Settlement,​ ​should​ ​not​ ​be​ ​overlooked​ ​if​ ​you​ ​choose​ ​not​ ​to​ ​opt-out​ ​of​ ​this​ ​you​ ​may​ ​call,​ ​write,​ ​or​ ​email​ ​Class​ ​Counsel​ ​or​ ​the​​Settlement​ ​settlement.​​You should retain this document for tax​​purposes.​ ​Administrator with questions.​ ​11.​​What​ ​happens​ ​if​ ​this​ ​notice​ ​is​ ​addressed​ ​to​ ​a​​Class​ ​Member that has passed away?​ ​ lass Counsel​ C ​ ettlement Administrator​ S ​Pro​​rata​​cash​​payments​​with​​more​​than​​one​​borrower​​where​​the​ ​Attorney Richard Shenkan​ ​Class-Settlement.com​ ​Settlement​ ​Administrator​ ​can​ ​determine​ ​that​ ​one​ ​of​ ​the​ ​Shenkan Injury Lawyers, LLC.​ ​PO Box 9009​ ​co-borrowers​ ​is​ ​now​ ​deceased​ ​will​ ​be​ ​paid​ ​to​ ​the​ ​surviving​ ​6550 Lakeshore St.​ ​Hicksville, NY 11802-9009​ ​co-borrower,​​absent​​a​​written​​request​​by​​the​​legal​​representative,​ ​West Bloomfield, MI 48323​ ​Toll Free: 1-(877) 268-2976​ ​executor,​ ​or​ ​administrator​ ​of​ ​the​ ​estate​ ​of​ ​the​ ​deceased​ ​Email: Info@CreditInjury.com​ ​co-borrower,​ ​supported​​by​​documentation​​sufficient​​to​​show​​an​ ​Fax No: 1-(888) 769-1774​ ​open​ ​estate​ ​and​ ​one​ ​or​ ​more​ ​persons​ ​legally​ ​entitled​ ​to​ ​the​ ​Toll Free: 1-(800) 490-9287​ ​payment(s).​ ​For​ ​Accounts​ ​with​ ​only​ ​one​ ​borrower​ ​where​ ​the​ ​Settlement​ ​Administrator​ ​can​ ​determine​ ​that​ ​the​ ​borrower​ ​is​ ​deceased,​​no​​payments​​will​​be​​made​​absent​​a​​written​​request​​by​ ​THE SETTLEMENT BENEFITS​ ​the​​legal​​representative,​​executor,​​or​​administrator,​​of​​the​​estate​ ​ .​ ​What does the Settlement provide?​ 7 ​of​ ​the​ ​deceased​ ​co-borrower,​ ​supported​ ​by​ ​documentation​ ​sufficient​ ​to​ ​show​ ​an​ ​open​ ​estate​ ​and​ ​one​ ​or​ ​more​ ​persons​ ​If​ ​the​ ​Settlement​ ​is​ ​approved​ ​and​ ​becomes​ ​final,​ ​the​ ​amount​ ​legally​ ​entitled​ ​to​ ​the​ ​payment(s).​ ​Any​ ​such​ ​requests​ ​will​ ​be​ ​remaining​ ​in​ ​the​ ​Settlement​ ​Fund,​ ​after​ ​payment​ ​of​ ​the​ ​denied​ ​unless​ ​there​ ​is​ ​an​​opened/reopened​​estate​​at​​the​​time​​of​ ​attorneys’​ ​fees​ ​and​ ​expenses,​ ​the​ ​Incentive​ ​Award​​to​​the​​Class​ ​the​ ​request​ ​and/or​ ​upon​ ​approval​ ​of​ ​Class​ ​Counsel.​ ​Any​ ​such​ ​Representative,​ ​and​ ​payment​ ​of​ ​settlement​ ​administration​ ​written​​requests​​must​​be​​sent​​(postmarked,​​emailed,​​or​​faxed)​​to​ ​expenses,​ ​will​ ​be​ ​divided​ ​among​ ​the​ ​Class​ ​Members​ ​(who​ ​do​ ​the​ ​Settlement​ ​Administrator​ ​at​ ​the​ ​mailing​ ​address,​ ​email,​ ​or​ ​not​ ​exclude​ ​themselves​ ​from​ ​this​ ​Settlement)​ ​on​ ​an​ ​equal​ ​fax​ ​number​ ​listed​ ​in​ ​this​ ​Notice​ ​by​ ​September​ ​21,​ ​2026.​ ​Any​ ​per-Account​​basis.​​This​​will​​result​​in​​an​​anticipated​​pro​​rata​​cash​ ​such​​written​​requests​​must:​​(a)​​include​​documentation​​sufficient​ ​payment approximately $1,300 per Account.​ ​to​ ​show​ ​an​ ​open​ ​estate​ ​and/or​ ​one​ ​or​ ​more​ ​persons​ ​legally​ ​entitled​​to​​payment(s);​​and​​(b)​​be​​personally​​signed​​by​​the​​legal​ I​ f​​you​​were​​to​​exclude​​yourself​​from​​the​​Settlement​​and​​pursue​ ​representative,​ ​executor​ ​or​ ​administrator​ ​of​ ​an​ ​estate​ ​of​ ​the​ ​the​ ​claims​ ​made​ ​in​ ​this​ ​Class​ ​Action​ ​in​ ​your​ ​own​ ​individual​ ​deceased​ ​Class​ ​Member,​ ​and/or​ ​creditor​ ​of​ ​the​ ​deceased​​Class​ ​lawsuit,​ ​and​ ​assuming​ ​you​ ​ultimately​ ​prevailed,​ ​you​ ​would​ ​be​ ​Member.​ ​entitled​​to​​receive​​either​​actual​​damages,​​for​​any​​actual​​damages​ ​12.​​What​ ​happens​ ​if​ ​this​ ​debt​ ​was​ ​discharged​ ​in​ ​or​ ​is​ ​you​​can​​prove,​​or​​(if​​you​​purchased​​the​​repossessed​​vehicle​​for​ ​presently included in a bankruptcy?​ ​consumer​ ​use)​ ​minimum​ ​statutory​ ​damages.​ ​Your​ ​minimum​ ​statutory​ ​damages​ ​are​ ​computed​ ​by​ ​adding​ ​the​ ​credit​ ​service​ ​charge​ ​(finance​ ​charge)​ ​plus​ ​10%​ ​of​ ​the​ ​principal​ ​amount​ ​of​ I​ f​ ​the​ ​loan​ ​obligation​ ​was​ ​discharged​ ​in​ ​bankruptcy​ ​(yours​ ​your​​loan.​​This​​information​​is​​set​​forth​​in​​your​​Retail​​Installment​ ​and/or​ ​your​ ​co-borrower’s​ ​bankruptcy)​​or​​is​​presently​​part​​of​​a​ ​Sales Contract.​ ​bankruptcy​ ​proceeding,​ ​then​ ​you​ ​should​ ​consult​ ​a​ ​bankruptcy​ ​attorney​ ​regarding​ ​this​ ​matter.​ ​You​ ​may​ ​have​ ​an​ ​obligation​ ​to​ ​notify​​the​​bankruptcy​​trustee​​regarding​​the​​cash​​payment​​you​​are​ ​ ro​ ​rata​ ​cash​ ​payments​ ​on​ ​Accounts​ ​with​ ​more​ ​than​ ​one​ P ​expected​​to​​receive.​​The​​law​​at​​issue​​in​​this​​case​​permits​​you​​to​ ​borrower​ ​will​ ​be​ ​split​ ​evenly​ ​among​ ​the​ ​co-borrowers,​ ​unless​ ​obtain​ ​minimum​ ​statutory​ ​damages​ ​regardless​ ​of​ ​whether​ ​you​ ​requested​ ​otherwise​ ​pursuant​ ​to​ ​the​ ​requirements​ ​set​ ​forth​ ​suffered an injury (See 13 Pa. C.S. §9625, Comment 4).​ ​below, in paragraph 22.​ ​13.​​What​​happens​​if​​I​​voluntarily​​surrendered​​my​​vehicle,​ ​redeemed my vehicle, or reinstated my Account?​ ​ ro​ ​rata​ ​cash​ ​payments​ ​on​​Accounts​​with​​a​​deceased​​borrower​ P ​Because​ ​the​ ​lawsuit​ ​challenges​ ​the​ ​content​ ​of​ ​the​ ​Notices​ ​of​ ​will be handled as set forth below, in paragraph 11.​ ​Repossession​ ​and​ ​Post-Sale​ ​Notices​ ​and​ ​is​​not​​based​​on​​actual​ ​harm​ ​you​ ​may​ ​have​ ​suffered,​ ​you​ ​are​ ​a​​Class​​Member​​even​​if​ ​ ore​ ​details​ ​are​​in​​the​​Settlement​​Agreement,​​a​​copy​​of​​which​ M ​you​ ​voluntarily​ ​surrendered​ ​your​ ​vehicle,​ ​redeemed​ ​your​ ​will be promptly provided upon request..​ ​vehicle, or reinstated your loan with either Defendant.​ ​4​ ​HOW TO GET BENEFITS​ ​ lass​​Counsel​​has​​asked​​the​​Court​​to​​award​​attorney’s​​fees​​in​​an​ C ​amount​​not​​to​​exceed​​Five​​Hundred​​and​​Seventy​​Six​​Thousand,​ ​14.​​Do​ ​I​ ​need​ ​to​ ​do​ ​anything​ ​to​ ​get​ ​the​ ​pro​ ​rata​ ​cash​ ​Three​ ​Hundred​ ​and​ ​Thirty​ ​Six​ ​Dollars​ ​($576,336.00)​ ​and​ ​for​ ​payment​ ​reimbursement​​of​​expenses​​in​​an​​amount​​not​​to​​exceed​​Seventy​ ​No.​​If​​the​​Court​​approves​​the​​Settlement,​​you​​do​​not​​need​​to​​do​ ​Five​ ​Thousand​ ​Dollars​ ​($75,000).​ ​The​ ​attorney’s​ ​fees​ ​and​ ​anything​​further​​in​​order​​to​​remain​​a​​part​​of​​the​​Settlement​​and​ ​expenses​ ​awarded​ ​by​ ​the​ ​Court,​ ​including​ ​payment​ ​to​ ​the​ ​receive​​the​​pro​​rata​​cash​​payment​​described​​herein,​​as​​applicable​ ​Settlement​​Administrator,​​will​​be​​paid​​out​​of​​the​​$1,152,673.00​ ​to you.​ ​Settlement​ ​Fund.​ ​Class​ ​Counsel​ ​will​ ​also​ ​request​ ​Incentive​ ​Payments​ ​of​ ​no​ ​more​ ​than​ ​$15,000​ ​for​ ​the​ ​Representative​ ​EXCLUDING YOURSELF FROM THE SETTLEMENT​ ​Plaintiff​ ​for​ ​his​ ​services​ ​as​ ​Class​ ​Representative​ ​for​​the​​Class,​ I​ F​​YOU​​DO​​NOT​​WANT​​THE​​PRO​​RATA​​CASH​​PAYMENT,​ ​which​ ​will​ ​also​ ​be​ ​paid​ ​from​ ​the​ ​Settlement​ ​Fund.​ ​The​ ​Court​ ​AND​​YOU​​INSTEAD​​WANT​​TO​​KEEP​​THE​​RIGHT​​TO​​SUE​ ​could​ ​decide​ ​to​ ​award​ ​less​ ​than​ ​the​ ​amounts​ ​requested​ ​for​ ​THE​ ​DEFENDANTS,​ ​OR​ ​CONTINUE​ ​TO​ ​SUE​ ​THE​ ​Attorney’s Fees and Expenses and Incentive Payments.​ ​DEFENDANTS,​ ​RELATING​ ​TO​ ​YOUR​ ​ACCOUNT,​ ​THEN​ ​OBJECTING TO THE SETTLEMENT​ ​YOU​ ​MUST​ ​TAKE​ ​STEPS​ ​TO​ ​EXCLUDE​ ​YOURSELF​ ​FROM (OR “OPT OUT” OF) THE SETTLEMENT.​ ​ 0.​​How do I tell the Court if I do not like the Settlement?​ 2 ​If​​you​​are​​a​​Class​​Member​​(i.e.,​​you​​are​​not​​excluding​​yourself​ ​from​​the​​Settlement),​​you​​can​​object​​to​​the​​Settlement​​if​​you​​do​ ​ 5.​​How do I exclude myself from the Settlement?​ 1 ​not​ ​like​ ​any​​part​​of​​it.​​In​​order​​to​​object​​to​​the​​Settlement,​​you​ ​In​​order​​to​​exclude​​yourself​​(opt-out),​​you​​must​​do​​so​​in​​writing.​ ​must​​do​​so​​in​​writing.​​The​​Court​​will​​consider​​your​​views.​​The​ ​The​​written​​request​​must​​be​​sent​​via​​mail,​​fax,​​or​​email​​(with​​an​ ​written​ ​objection​ ​must​ ​be​ ​sent​ ​via​ ​mail,​​fax,​​or​​email​​(with​​an​ ​attachment​ ​containing​ ​the​ ​class​ ​members’​ ​signature)​ ​to​ ​the​ ​attachment​ ​containing​ ​the​ ​class​ ​members’​ ​signature)​ ​(to​ ​the​ ​Settlement​​Administrator​​at​​the​​mailing​​address,​​fax​​number,​​or​ ​Settlement​​Administrator​​at​​the​​mailing​​address,​​fax​​number,​​or​ ​email​ ​listed​ ​in​ ​this​ ​Notice​​by​​September​​21,​​2026,​​The​​written​ ​email​ ​listed​ ​in​ ​this​ ​Notice​​by​​September​​21,​​2026.​​The​​written​ ​exclusion​ ​request​ ​must:​ ​(a)​ ​set​ ​forth​ ​the​ ​Class​ ​Member’s​ ​full​ ​objection​ ​must:​ ​(a)​ ​identify​ ​the​ ​case​ ​name​ ​and​ ​number;​ ​(b)​ ​name,​ ​current​ ​address,​ ​telephone​ ​number;​ ​(b)​ ​contain​ ​the​ ​identify​ ​the​ ​name,​ ​address,​ ​telephone​ ​number​ ​of​ ​the​ ​Class​ ​signatures​ ​of​ ​each​ ​Class​ ​Member​ ​who​ ​is​ ​a​ ​borrower​ ​on​ ​the​ ​Member​ ​objecting​ ​and,​ ​if​ ​represented​ ​by​ ​counsel,​ ​of​ ​his/her​ ​Account​ ​(or​​their​​guardian​​or​​administrator​​or​​executor​​of​​their​ ​counsel;​ ​(c)​ ​be​ ​personally​​signed​​by​​the​​person​​objecting​​(or​​if​ ​estate);​ ​and​ ​(c)​ ​state​ ​an​ ​intent​ ​of​ ​all​ ​signatory(s)​ ​not​ ​to​ ​represented​​by​​counsel,​​signed​​by​​his/her​​counsel);​​(d)​​state​​the​ ​participate in the Settlement.​ ​basis​ ​and​ ​grounds​ ​for​ ​the​ ​objection​ ​with​ ​specificity;​ ​and​ ​(e)​ ​provide​ ​a​ ​statement​ ​of​ ​whether​ ​he/she​ ​intends​ ​to​​appear​​at​​the​ ​Final​ ​Approval​ ​Hearing,​ ​either​ ​with​ ​or​ ​without​ ​counsel.​ ​The​ ​16.​​If​ ​I​ ​do​ ​not​ ​exclude​ ​myself,​ ​can​ ​I​​sue​​Defendants​​for​ ​written​ ​objection​ ​must​ ​also​ ​be​ ​mailed​ ​to​ ​the​ ​Clerk​ ​of​ ​Judicial​ ​the same thing later?​ ​Records,​ ​Civil​ ​Division,​ ​Lackawanna​ ​County​ ​Government​ ​No.​ ​Unless​ ​you​ ​exclude​ ​yourself,​ ​you​ ​give​​up​​any​​right​​to​​sue​ ​Center,​ ​123​ ​Wyoming​ ​Ave,​​First​​Floor,​​Scranton,​​PA​​18503​​by​ ​the​​Defendants​​for​​claims​​relating​​to​​the​​subject​​Account,​​as​​set​ ​September​​21,​​2026.​ ​If​​you​​do​​not​​object​​in​​writing​​as​​set​​forth​ ​forth​ ​in​ ​the​ ​Settlement​ ​Agreement.​ ​If​ ​you​ ​have​ ​a​ ​pending​ ​above​​by​​the​​deadline,​​you​​shall​​be​​deemed​​to​​have​​waived​​such​ ​lawsuit,​ ​speak​ ​to​​your​​lawyer​​in​​that​​case​​immediately​​because​ ​objection, unless otherwise ordered by the Court.​ ​your​ ​legal​ ​rights​ ​may​ ​be​ ​adversely​​affected​​by​​this​​Settlement.​ ​You​​must​​exclude​​yourself​​from​​this​​Settlement​​in​​order​​to​​start​ ​21.​​What​​is​​the​​difference​​between​​objecting​​and​​asking​ ​or​ ​to​ ​continue​ ​your​ ​own​ ​lawsuit​ ​for​ ​claims​ ​relating​ ​to​ ​your​ ​to be excluded?​ ​Account.​​Your​​rights​​may​​be​​affected​​by​​this​​Settlement.​​A​​copy​ ​Objecting​ ​to​ ​the​ ​Settlement​ ​is​ ​informing​​the​​Court​​that​​you​​do​ ​of​ ​the​ ​full​ ​Settlement​ ​Agreement​ ​will​ ​be​ ​promptly​ ​provided​ ​not​ ​like​ ​something​ ​about​ ​the​ ​Settlement,​ ​and​ ​that​ ​you,​ ​for​ ​a​ ​upon​​request.​​You​​may​​contact​​the​​Settlement​​Administrator​​and​ ​clearly​​stated​​reason,​​do​​not​​want​​the​​Settlement​​to​​be​​approved​ ​request that a copy of the Settlement Agreement be sent to you.​ ​or​​that​​you​​object​​to​​a​​particular​​part​​of​​the​​Settlement.​​You​​can​ ​object​ ​only​​if​​you​​do​​not​​exclude​​yourself​​from​​the​​Settlement.​ ​Excluding​​yourself​​is​​informing​​the​​Court​​that​​you​​do​​not​​want​ ​17.​​If​ ​I​ ​exclude​ ​myself,​ ​can​ ​I​ ​still​ ​benefit​ ​from​ ​this​ ​to​ ​be​ ​part​ ​of​ ​the​ ​Settlement.​​If​​you​​exclude​​yourself,​​you​​have​ ​Settlement?​ ​no basis to object because the Settlement no longer affects you.​ ​No.​​If​​you​​exclude​​yourself,​​you​​will​​not​​receive​​any​​money​​or​ ​other benefits as a result of the Settlement.​ ​REQUESTING AN ALTERNATIVE DIVISION OF PAYMENTS​ ​THE LAWYERS REPRESENTING YOU​ ​(FOR CO-BORROWERS)​ ​ 8.​​Do I have a lawyer in the case?​ 1 ​22.​​If​ ​I​ ​am​ ​a​ ​co-borrower,​ ​can​ ​I​ ​request​ ​an​ ​alternative​ ​Yes.​​The​​Court​​has​​approved​​Richard​​Shenkan​​and​​the​​law​​firm​ ​division​ ​(alternative​ ​to​ ​the​ ​equal​​division)​​of​​the​​pro​ ​of​ ​Shenkan​ ​Injury​ ​Lawyers,​ ​LLC,​ ​to​ ​represent​ ​the​ ​Class.​ ​This​ ​rata cash payment as between both co-borrowers?​ ​lawyer​​and​​law​​firm​​are​​called​​“Class​​Counsel.”​​You​​will​​not​​be​ ​Yes.​ ​If​ ​you​ ​are​ ​not​​excluding​​yourself​​from​​the​​Settlement​​and​ ​charged​ ​individually​ ​for​ ​their​ ​legal​ ​services;​ ​rather,​ ​Class​ ​you​ ​and​ ​a​ ​co-borrower​ ​would​ ​like​ ​to​ ​request​ ​an​ ​alternative​ ​Counsels’​ ​fees​ ​will​ ​be​ ​paid​ ​from​ ​the​​Settlement​​Fund​​with​​the​ ​division​ ​of​ ​the​ ​pro​ ​rata​ ​cash​ ​payment​ ​as​ ​between​ ​both​ ​approval​ ​of​ ​the​ ​Court.​ ​If​ ​you​ ​want​ ​to​ ​be​ ​represented​ ​by​ ​your​ ​co-borrowers,​​you​​must​​do​​so​​in​​writing.​​The​​written​​request​​for​ ​own​ ​lawyer,​ ​you​ ​may​ ​hire​ ​one​ ​at​ ​your​ ​own​ ​expense.​ ​Class​ ​an​​alternative​​division​​must​​be​​sent​​via​​mail,​​fax,​​or​​email​​(with​ ​Counsels’​ ​contact​ ​information​ ​is​ ​listed​ ​in​ ​paragraph​ ​6​ ​above.​ ​an​ ​attachment​ ​containing​ ​the​ ​class​​members’​​signatures)​​to​​the​ ​Class​​Members​​can​​speak​​with​​Class​​Counsel​​at​​no​​charge​​about​ ​Settlement​​Administrator​​at​​the​​mailing​​address,​​fax​​number,​​or​ ​this​ ​case.​ ​In​ ​connection​ ​with​ ​the​ ​Court’s​ ​appointment,​ ​Class​ ​email​​listed​​in​​this​​Notice​​by​​September​​21,​​2026​​.​​The​​written​ ​Counsel​ ​does​​not​​represent​​deceased​​Class​​Member’s​​creditors,​ ​request​ ​for​ ​an​ ​alternative​ ​division​ ​must:​ ​(a)​ ​identify​ ​the​ ​case​ ​heirs,​ ​or​ ​legal​ ​representatives​ ​relating​ ​to​ ​effectuating​ ​any​ ​name;​ ​(b)​ ​identify​ ​the​ ​names​ ​and​ ​addresses​ ​of​ ​the​ ​Class​ ​settlement​ ​payments​ ​to​ ​any​ ​heir(s),​ ​legal​ ​representatives,​ ​or​ ​Members​​requesting​​an​​alternative​​division​​of​​payment(s);​​(c)​​be​ ​creditors of the deceased Class Members.​ ​personally​ ​signed​ ​by​ ​both​ ​co-borrowers​ ​or​ ​their​ ​legal​ ​representatives​​requesting​​an​​alternative​​division​​of​​payment(s);​ ​19.​​How will the lawyers be paid?​ ​and​ ​(d)​ ​provide​ ​a​ ​description​ ​of​ ​how​ ​the​ ​co-borrowers​ ​have​ ​5​ a​ greed​​for​​any​​alternative​​division​​of​​payment(s)​​to​​be​​made​​as​ ​ 5.​​May I speak at the hearing?​ 2 ​between each other.​ ​You​​may​​ask​​the​​Court​​for​​permission​​to​​speak​​at​​the​​hearing.​​To​ ​do​ ​so,​ ​you​ ​must​ ​send​ ​a​ ​letter​​to​​the​​Clerk​​of​​Judicial​​Records,​ ​THE COURT’S FAIRNESS HEARING​ ​Civil​ ​Division​ ​by​ ​September​ ​21,​ ​2026​ ​at​ ​the​​address​​listed​​in​ ​Question​​20​​saying​​that​​it​​is​​your​​“Notice​​of​​Intention​​to​​Appear​ ​ he​​Court​​will​​hold​​a​​hearing​​to​​decide​​whether​​to​​approve​​the​ T ​at​​the​​Final​​Approval​​Hearing​​in​​Roses​​v.​​Peoples​​Security​​Bank​ ​Settlement.​​You​​may​​attend​​and​​you​​may​​ask​​to​​speak,​​but​​you​ ​&​​Trust​​and​​Peoples​​Financial​​Services​​Corp.​​,​​14-cv-5108”,​​and​ ​do not have to do so.​ ​requesting​​that​​the​​clerk​​file​​your​​Notice​​of​​Intention.​​You​​must​ ​23.​​When,​ ​where,​​and​​how​​will​​the​​Court​​decide​​whether​ ​include​ ​your​ ​name,​ ​address,​ ​telephone​ ​number,​ ​and​ ​signature.​ ​to approve the Settlement?​ ​Your​ ​Notice​ ​of​ ​Intention​ ​to​ ​Appear​ ​must​ ​be​ ​(a)​ ​filed​ ​with​ ​the​ ​Clerk​ ​of​ ​Judicial​ ​Records,​ ​Civil​ ​Division;​ ​and​ ​(b)​ ​sent​ ​The​ ​Court​ ​will​ ​hold​ ​a​ ​fairness​ ​hearing​ ​on​​October​​14,​​2026​​at​ ​(postmarked,​ ​faxed,​ ​or​ ​emailed​ ​with​ ​an​ ​attachment​ ​containing​ ​11:30​ ​a.m.​ ​in​ ​Courtroom​ ​3​ ​at​ ​the​ ​Lackawanna​ ​County​ ​the​ ​class​ ​member’s​ ​signature)​ ​to​ ​Class​ ​Counsel​ ​at​ ​the​ ​mailing​ ​Courthouse,​ ​200​ ​N.​ ​Washington​ ​St.,​ ​Scranton,​ ​PA​ ​18503.​ ​The​ ​address,​ ​fax​ ​number,​ ​or​ ​website​ ​listed​ ​in​ ​paragraph​ ​6​ ​of​ ​this​ ​hearing​​may​​be​​moved​​to​​a​​different​​date​​or​​time,​​or​​be​​held​​via​ ​Notice.​ ​Any​ ​such​ ​notice​ ​shall​ ​include​ ​copies​ ​of​ ​any​ ​papers,​ ​videoconference​ ​or​ ​telephone​ ​conference,​ ​without​ ​additional​ ​exhibits,​ ​or​ ​other​ ​evidence​ ​sought​ ​to​ ​be​​presented.​​You​​cannot​ ​notice​​(including​​an​​earlier​​date).​​Therefore,​​if​​you​​are​​planning​ ​speak​​at​​the​​hearing​​if​​you​​have​​opted​​out​​or​​excluded​​yourself,​ ​on​​attending​​the​​fairness​​hearing,​​it​​is​​a​​good​​idea​​to​​confirm​​in​ ​because the case no longer affects you.​ ​advance​ ​that​ ​the​ ​date​ ​and​​time​​of​​the​​hearing​​has​​not​​changed.​ ​You​ ​may​ ​confirm​ ​this​ ​information​ ​by​ ​checking​ ​www.PennSecurityClassAction.com​ ​or​ ​by​ ​calling​ ​1-(800)​ ​GETTING MORE INFORMATION​ ​490-9287.​ ​At​ ​this​ ​fairness​ ​hearing,​ ​the​ ​Court​ ​will​ ​consider​ ​ 6.​​How do I get more information?​ 2 ​whether​​the​​Settlement​​is​​fair,​​reasonable,​​and​​adequate.​​If​​there​ ​are​ ​objections,​ ​the​ ​Court​ ​will​ ​consider​ ​them​ ​and​ ​will​ ​listen​ ​to​ ​This​ ​notice​ ​briefly​​summarizes​​the​​key​​aspects​​of​​the​​proposed​ ​Class​​Members​​who​​ask​​to​​speak​​at​​the​​hearing.​​The​​Court​​may​ ​Settlement.​​More​​details​​are​​in​​the​​Settlement​​Agreement.​​Case​ ​also​ ​decide​ ​several​ ​other​ ​aspects​ ​of​ ​the​ ​Settlement​ ​including​ ​documents​​are​​available​​at​​www.PennSecurityClassAction.com​​.​ ​how​ ​much​ ​to​ ​pay​ ​the​ ​Class​ ​Representative​ ​for​ ​his​ ​incentive​ ​For​​a​​copy​​of​​the​​Settlement​​Agreement,​​you​​may​​contact​​Class​ ​award​ ​and​ ​Class​ ​Counsel​ ​for​ ​their​ ​services​ ​and​ ​expenses.​ ​Counsel​ ​at​ ​1-(800)​ ​490-9287​ ​or​ ​Info@CreditInjury.com.​ ​You​ ​Following​​the​​hearing,​​the​​Court​​will​​decide​​whether​​to​​approve​ ​can​ ​also​​contact​​the​​Settlement​​Administrator​​at​​877-268-2976,​ ​the​​Settlement.​​It​​is​​unknown​​how​​long​​the​​Court’s​​decision​​will​ ​or Claims@Class-Settlement.com.​ ​take. Please be patient.​ ​ 4.​​Do I have to attend the fairness hearing?​ 2 ​ ou may access the Settlement Website by​ Y ​No.​ ​Class​ ​Counsel​ ​will​ ​answer​ ​questions​ ​the​ ​Court​ ​may​​have,​ ​using the camera on your mobile device to​ ​but​ ​you​ ​are​ ​welcome​ ​to​ ​come,​ ​at​ ​your​ ​expense.​ ​If​ ​you​ ​timely​ ​scan this QR code:​ ​filed​ ​your​ ​written​ ​objection​ ​the​ ​Court​ ​will​ ​consider​ ​it.​ ​You​​do​ ​not​​have​​to​​come​​to​​Court​​to​​talk​​about​​it,​​but​​you​​may.​​You​​may​ ​also pay your own lawyer to attend, but it is not required.​ ​6​