AutoMoney Settlement

The Court has conditionally certified this case as a class action lawsuit for settlement purposes only and your rights may be affected. The Notice that was mailed to you has three purposes. The Notice

• Tells you about the settlement and the Fairness Hearing;
• Tells you how to obtain more information; and
• Explains how you may submit a claim form, opt out of, or object to the settlement if you disagree with it.

This class action lawsuit claims that AutoMoney, Inc. (“AMI”) and Auto Money North, LLC (“AMN”) (hereafter referred to as “Lenders”) violated the North Carolina Consumer Finance Act, North Carolina’s Unfair and Deceptive Trade Practices Act, and North Carolina’s Usury Code, and seeks statutory damages, treble damages, interest and attorneys’ fees, and injunctive relief in connection with loans between Lenders and Class Representatives secured by the Class Representatives’ motor vehicles. Lenders dispute the claims made in the lawsuit and have not admitted any fault in response to the lawsuit or by way of this settlement. However, Lenders have agreed to settle the claims made in the lawsuit and the Notice explains the basic terms of the settlement.

You are included in the Settlement Class if you are a resident of North Carolina who, at any time between January 1, 2011 and April 17, 2025: (i) entered into a car title loan charging interest in excess of 30.0% with either AutoMoney, Inc. or Auto Money North, LLC; and (ii) the security interest granted by the car title loan was perfected with the North Carolina Department of Motor Vehicles.

1. The relief provided to qualifying members of the Settlement Class is as follows:
   1. Lenders will deposit the sum of $3,000,000 into an account that will become the Settlement Fund.
   2. From the Settlement Fund, the Court will deduct administration expenses, class service awards, and attorney fees, and from the remainder of the Settlement Fund, qualifying Class Members will receive a full or pro rata payment equal to the interest paid by a Class Member on loans for which the Class Member affirms that he or she was a resident of North Carolina at the time the loan was made and where the principal amount of the loan was within the amount described by law at the time the applicable loan was executed, plus any sales proceeds from repossession as applicable to such Class Member, if any, with any remaining settlement proceeds divided pro rata between all valid claimants of the Settlement Class.
2. Effective immediately upon entry of a Final Approval Order, Lenders will forgive the debt of every Class Member to the extent such debt involves any vehicle registered in the state of North Carolina. Lenders will not collect, and will cease efforts to collect, any unpaid debt related to those vehicles.
3. Within 6 months of entry of a Final Approval Order, Lenders will take steps to release their liens perfected with the NC DMV in connection with the Class Members’ loans.

You must have submitted a claim form in order to be eligible to receive compensation. The claim filing deadline has now passed as of May 17, 2025.

Class Members who submitted a timely and valid Claim Form will receive a full or pro rata payment equal to the interest paid by the Class Member on loans for which the Class Member affirms that he or she was a resident of North Carolina at the time the loan was made and where the principal amount of the loan was within the amount described by law at the time the applicable loan was executed, plus any sales proceeds from repossession as applicable to such Class Member, if any, with any remaining settlement proceeds divided pro rata between all valid claimants of the Settlement Class. The amount a Settlement Class Member will receive depends on the number of people who submit timely and valid Claim Forms; all amounts are subject to a potential pro rata increase or decrease.

Settlement Payments to qualified class members were sent on October 30, 2025, either by mail or email depending on the payment method chosen on the claim form.

Settlement payments will be provided to Class Members by check sent via USPS First-Class Mail or Digital Disbursements Payment such as Venmo, Zelle, Direct Deposit (ACH), E-Mastercard, or Physical MasterCard.

Taxes will not be deducted from your Settlement check, and no Form 1099 will be issued for this Settlement.

Class Members are responsible for paying any taxes due on such Benefits. All Benefit Payments shall be deemed to be paid solely in the year in which payments are actually issued. The Parties do not purport to provide legal advice on tax matters to each other or Class Members.

If you require a check reissue, please provide the mailing address used to file your claim, along with your first and last name, and current address. The Settlement Administrator will verify that the information provided matches our records. Once verified, your previous payment will be voided, and the reissue will be processed and mailed to you.

Please submit your request in writing to the Settlement Administrator at info@AutoMoneySettlement.com. OR you may mail it to:

AutoMoney Settlement
Claims Administrator
P.O. Box 2869
Portland, OR 97208-2869

If you received an e-mail from noreply@digitaldisbursements.com, it is because you were determined to be eligible for a payment in a class action settlement administered by Epiq Class Action and Claims Administration ('Epiq'). Epiq is the administrator for the settlement and Digital Disbursements is a payment partner Epiq Systems uses to facilitate digital payments. By default, individuals eligible for payments will receive an e-mail containing a link to claim their payment. This is normal. If you claim a payment, you may also receive one or more follow-up e-mails from our payment partner, confirming where your payment is in the process. Follow-up emails from the payment entity you select (e.g., E-Mastercard, Venmo, etc.) are also possible. If you do not immediately claim your payment, you may also receive one or more reminder e-mails.

If you have any questions about any payment partner e-mail you receive, please provide us with your full name and current e-mail address so we can look up your file.

Epiq Class Action and Claims Administration ('Epiq') has administrative responsibility for the distribution of funds on this matter. Digital Disbursements is a payment partner who assists Epiq with distribution activities. Working together, we can offer individuals who are eligible to receive payments in mass actions an easy, convenient, fast, and secure way to claim their payments. Case-specific information about Epiq and the payment notification(s) you may have recently received are available at www.automoneysettlement.com.

Claiming your digital payment is simple and easy. All digital payment and reminder e-mails sent by Epiq via noreply@digitaldisbursements.com contain a payment selection link. If you click the payment selection link or visit the website listed in your payment e-mails before the payment expiry date listed in your e-mail, the link will take you to a payment dashboard where you can choose your preferred method of payment. Then click your preferred payment method.

Depending on the method of payment you choose, you may be asked to confirm your selection or provide one or more pieces of information so your payment can be processed, including providing your phone number or email so it can be verified as active. After that, you will receive a small number of interim notifications from noreply@digitaldisbursements.com letting you know your payment is "in process," and eventually you will receive a link to your payment card, if you chose that option. Alternatively, you will receive messaging directly from the payment providers (e.g., Venmo, E-Mastercard, Zelle) letting you know the funds are available to you or already in your account.

E-mails regarding digital payments for this matter commenced on October 30, 2025, and digital payments will be available to claim through December 1, 2025. During that window, Epiq digital payment notification e-mails were or will be sent from noreply@digitaldisbursements.com, so please review your inbox for messages from that e-mail address. Epiq is the administrator for the settlement and Digital Disbursements is a payment partner Epiq Systems uses to facilitate digital payments.

Due to variability in individual recipient e-mail account SPAM and junk security settings, users are encouraged to review their junk and SPAM folders in case the digital payment e-mails went to those locations.

No. Digital payments are processed quickly, but once a user selects their preferred payment option, it typically takes anywhere from 3–10 business days for the value of the award to reach end user cards or accounts. Upon making your selection, you will start to receive a series of e-mails from either Digital Disbursements or the payment entities (E-Mastercard, Venmo, etc.) themselves.

Upon completing the payment selection process in the payment portal, your payment will be delivered to the payment destination you provided when making your selection.

E‑Mastercard, and other retail cards will generally be delivered to you via email anywhere from 1–10 days from when you confirm your selection.

Similarly, Venmo and Zelle payments will be handled using the phone or email you provided when making a selection, but the timing of delivery will depend on whether the email or phone you used is connected to an active account with those services. Active account holders will have their payments deposited directly into their account within 7–10 business days of making their selection. Recipients using emails or phones not currently associated with an active account will receive an email or text invitation from the payment entity to create an account and accept the payment. Those who create a new account or link the payment destination to an existing account within the timelines provided in those invitations will receive their payment shortly after completing that process. Those Payees who fail to do so will have their payments returned to the administrator.

Finally, those payees who chose ACH/Direct Deposit should generally have their payments land in their accounts within 3–5 business days of providing their banking information. For payees who provide invalid ACH/Direct Deposit information, resolution of the unsuccessful payment may take up to 30 days.

If you would like Epiq to resend your e‑Mastercard, or retail card to the same email address you used when selecting those options, you can contact us in writing and request that the card be resent.

Unfortunately, for other options or situations where you provided Epiq with invalid or old payment destination information, or you failed to act with the payment entities in the time allowed, your payment can no longer be claimed digitally. If you believe invalid information was provided when making your selection or that you did not act in time with the payment entities, you will need to submit a reissue request in writing and we will send you a paper check instead.

Please submit your reissue request in writing to the Settlement Administrator at info@AutoMoneySettlement.com or mail it to:

AutoMoney Settlement
Claims Administrator
P.O. Box 2869
Portland, OR 97208-2869

Include your name, old and new e‑mail addresses, the reason for your reissue request (bad/old data, etc.), and your current mailing address information. Requests not including the necessary information may be delayed. Due to the time required for payment entities to return funds to Epiq, processing and mail time, reissue requests can take up to 12 weeks to process after we receive your written request.

Questions related to issues using payment cards, or management of funds once they are sent to your account, should be handled by the payment entity themselves. The following contact numbers and emails are available when reaching out to those entities.

• Call 1-888-812-4430 if you have any issues with your Venmo payment. Reference the payment destination (phone or email) you provided when requesting your payment.
• Call 1-844-340-1929 in the U.S. and Canada (toll free) or 1-682-324-9995 outside the U.S. and Canada (tolls apply) if you have any issue with your e-Mastercard or retail card issued by Blackhawk. If you provide your name, email address, amount you were sent, and the program that your payment relates to, Blackhawk should be able to service most requests.

If you have reached out to the payment entity that issued your payment, but they are not immediately able to assist you with your issue, you may reach out to Epiq to request further assistance. Please submit your inquiry to info@AutoMoneySettlement.com or mail it to:

AutoMoney Settlement
Claims Administrator
P.O. Box 2869
Portland, OR 97208-2869

Include your name, a detailed and specific explanation of the nature of your request, your current mailing address information, and any relevant emails, phones, or account information. Epiq will review and investigate your written submission. In some cases, Epiq may need to reach out to the payment entities individually to request more information, so please be patient while we handle your request.

If the settlement becomes Final, you will give up your right to sue the Defendants for the claims being resolved by this settlement. The specific claims you are giving up against the Defendants are described in the Settlement Agreement. You will be “releasing” the Defendants and certain of its affiliates, employees and representatives as described in Section 7 of the Settlement Agreement. Unless you exclude yourself (see FAQ 20), you are “releasing” the claims, regardless of whether you claim your electronic payment or not. The Settlement Agreement is available here. The Settlement Agreement describes the released claims with specific descriptions, so read it carefully.

Objecting simply means telling the Court that you don’t like something about the settlement. You can object only if you stay in the Settlement Class. Excluding yourself from the Settlement Class is telling the Court that you don’t want to be part of the Settlement Class. If you exclude yourself, you have no basis to object because the case no longer affects you.

The deadline to object to the settlement has now passed as of December 16, 2024. We are no longer accepting objections.

The deadline for excluding yourself has now passed as of May 12, 2025. Late exclusions will not be accepted.

The Court has appointed attorneys from the law firm Brown, Faucher, Peraldo & Benson, P.L.L.C. to represent you and the other Settlement Class Members. The lawyers are called Class Counsel. They are experienced in handling similar class action lawsuits. You will not be charged for these lawyers. If you want to be represented by your own lawyer, you may hire one at your own expense.

You may contact Class Counsel if you have any questions about this Settlement. Please do not contact the Court.

The Fairness Hearing occurred on March 6, 2025, at 9:30 a.m. before North Carolina Superior Court Judge Honorable Paul C. Ridgeway, in Raleigh, North Carolina. The court has finally approved the settlement.

If you have additional questions, you may contact the Claims Administrator by email at info@AutoMoneySettlement.com, calling them toll-free at 877-519-6526 or writing to them at the address below.

AutoMoney Settlement
Claims Administrator
P.O. Box 2869
Portland, OR 97208-2869