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To receive money from these Settlements, you must complete a Claim Form that
asks you to state under oath that you were assessed ATM surcharges.

If you filed a claim or got a payment in the previous settlements, you will
automatically be eligible to get money from the Settlement with Visa and
Mastercard based on the claim you submitted previously. If you paid additional
unreimbursed ATM surcharges after submitting a claim form in the previous
settlements, you will need to submit an updated claim by January 22, 2025 to
claim those transactions.





There is a new Settlement in a class action lawsuit that says Defendants
violated federal antitrust laws by adopting restraints that inflated the
automated teller machine (“ATM”) surcharges (also called ATM access fees) that
some people and businesses paid. The Defendants deny these allegations. The
Court has not decided who is right.

Previously, three Defendants in this case, including JPMorgan & Chase Co. (“JP
Morgan”); Wells Fargo & Co. and Wells Fargo Bank (“Wells Fargo”); and Bank of
America, N.A., NB Holdings Corp., and Bank of America Corp. (“Bank of America”)
agreed to settle the lawsuit. Those Settlements totaled $67 million. You may
have seen a previous notice, filed a claim, or received a payment for these
settlements.

Now, the remaining Defendants in this case, Visa Inc., Visa U.S.A. Inc., Visa
International Service Association, Plus System, Inc. (“Visa”) and Mastercard
Incorporated and Mastercard International Incorporated (“Mastercard”) have
agreed to a Settlement resolving the claims against them.

YOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT Options Deadline SUBMIT A CLAIM
FORM FOR PAYMENT If you filed a claim and received a payment in the previous
settlements, you will automatically be eligible to get a payment from the new
Settlement with Visa and Mastercard based on the Claim Form you previously
submitted. If you paid additional ATM surcharges after submitting a claim in the
previous settlements, and wish to claim those additional transactions, you will
need to submit another Claim Form.

If you did not previously file a valid claim, you must submit a valid claim to
receive a payment in this Settlement. January 22, 2025 EXCLUDE YOURSELF You can
exclude yourself from the Settlement with Visa and Mastercard by mailing a
letter to the Claims Administrator saying you want to opt out. This is the only
option that allows you to keep your legal right to sue Visa or Mastercard for
claims related to this case. If you exclude yourself, you will not be eligible
to receive a payment from the new Settlement. November 22, 2024 OBJECT TO THE
SETTLEMENT AND/OR ATTEND A HEARING You can write the Court about why you like or
do not like the Settlement or object to Court approval, but you can’t ask the
Court to change the Settlement. You can also ask to speak to the Court at the
hearing about the fairness of the Settlement, with or without your own attorney.
November 22, 2024 DO NOTHING If you take no action, you give up your legal right
to continue to sue Visa and Mastercard for the claims related to this case. If
you filed a claim and received a payment in the previous settlements, you will
be automatically eligible to get a payment based on the Claim Form you
previously submitted. If you did not previously file a valid claim and do not
submit a claim now, you will not get any money from this Settlement. No Deadline

For more information about this Settlement, your rights and options, and answers
to other frequently asked questions, please review the Notice and Settlement
Agreements.




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