in the united states district court for the northern ...€¦ · 18/05/2020 · honorable matthew...

IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION

KEITH SNYDER, SUSAN MANSANAREZ, and TRACEE A. BEECROFT, individually and on behalf of all others similarly situated,

Plaintiffs, v.

U.S. BANK N.A., WILMINGTON TRUST, N.A., CITIBANK, N.A., and DEUTSCHE BANK NATIONAL TRUST COMPANY, individually and in their Capacities as Trustees,

Defendants.

NO. 1:16-cv-11675 Class Action Jury Trial Demand Honorable Matthew F. Kennelly

PLAINTIFF SUSAN MANSANAREZ’S MOTION FOR FINAL APPROVAL OF CLASS

ACTION SETTLEMENT WITH WILMINGTON TRUST

Case: 1:16-cv-11675 Document #: 215 Filed: 05/18/20 of 18 PageID #:9925

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TABLE OF CONTENTS

Page No.

I. INTRODUCTION ............................................................................................................ 1 II. BACKGROUND .............................................................................................................. 2

A. Relevant background regarding the Ocwen Litigation ......................................... 2 B. The Banks Litigation and the Settlement .............................................................. 3 C. Notice and claims .................................................................................................. 3 III. AUTHORITY AND ARGUMENT .................................................................................. 4 A. The Settlement should be approved as fair, reasonable, and adequate ................. 5 1. Plaintiff and Class Counsel have adequately represented the

Settlement Class and support the Settlement ............................................ 5 2. The Settlement was negotiated at arm’s length ........................................ 5 3. The Settlement Class Members are treated equally .................................. 6 4. The relief provided to the Settlement Class is adequate ........................... 6 a. Further litigation would have been complex, lengthy,

and expensive ................................................................................ 6 b. The reaction of the Settlement Class was entirely positive .......... 7 c. The extent of discovery completed and stage of

proceedings favor approval ........................................................... 7 d. Strength of the case compared with the settlement offer .............. 8 B. The Settlement Class should be finally certified for settlement purposes ............ 9 C. The notice program complied with Rule 23 and due process ............................. 10 IV. CONCLUSION ............................................................................................................... 11


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TABLE OF AUTHORITIES

Page No.

FEDERAL CASES Aranda v. Caribbean Cruise Line, Inc.,

No. 12 C 4069, 2017 WL 818854 (N.D. Ill. Mar. 2, 2017), aff’d but criticized sub nom. Birchmeier v. Caribbean Cruise Line, Inc., 896 F.3d 792 (7th Cir. 2018) ................................................................................ 8, 9

Charvat v. Valente,

No. 12-CV-05746, 2019 WL 5576932 (N.D. Ill. Oct. 28, 2019) ..................................... 9 In re Capital One Tel. Consumer Prot. Act Litig.,

80 F. Supp. 3d 781 (N.D. Ill. 2015) .................................................................................. 9 In re Mexico Money Transfer Litig.,

164 F. Supp. 2d 1002 (N.D. Ill. 2000) .............................................................................. 7 In re Sw. Airlines Voucher Litig.,

No. 11 C 8176, 2013 WL 4510197 (N.D. Ill. Aug. 26, 2013), aff’d as modified, 799 F.3d 701 (7th Cir. 2015) ............................................................... 7

Isby v. Bayh,

75 F.3d 1191GO (7th Cir. 1996) ................................................................................... 5, 8 Kolinek v. Walgreen Co.,

311 F.R.D. 483 (N.D. Ill. 2015) ........................................................................................ 9 Mullane v. Central Hanover Bank & Trust Co.,

339 U.S. 306 (1950) ........................................................................................................ 10 Phillips Petroleum Co. v. Shutts,

472 U.S. 797 (1985) ........................................................................................................ 10 Rose v. Bank of Am. Corp.,

No. 11 Civ. 02390, 12 Civ. 04009, 2014 WL 4273358 (N.D. Cal. Aug. 29, 2014) ......... 9 Snyder v. Ocwen Loan Servicing, LLC,

258 F. Supp. 3d 893 (N.D. Ill. 2017) ................................................................................ 2 Snyder v. Ocwen Loan Servicing, LLC,

No. 14 C 8461, 2019 WL 2103379 (N.D. Ill. May 14, 2019) ...................................... 5, 6


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Wong v. Accretive Health, Inc., 773 F.3d 859 (7th Cir. 2014) ......................................................................................... 4-8

FEDERAL RULES Fed. R. Civ. P. 23(c)(2)(B) ......................................................................................................... 10 Fed. R. Civ. P. 23(e)(1) ............................................................................................................... 10 Fed. R. Civ. P. 23(e)(2) ............................................................................................................. 4, 5


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I. INTRODUCTION

Plaintiff Susan Mansanarez moves for final approval of her Settlement with Defendants

Wilmington Trust, N.A. and Wilmington Trust Company (“Wilmington Trust”) in this class

action brought under the Telephone Consumer Protection Act. Wilmington Trust has agreed to

pay $185,270.25 to establish a non-reversionary Settlement Fund that will be distributed pro rata

to Settlement Class Members who filed timely and valid claims. The Notice Plan approved by

the Court has been implemented by the parties and the Court-approved Settlement Administrator,

Postlethwaite & Netterville, APAC (“P&N”). The Email Notice and Mail Notice were

successfully delivered to approximately 97.8% of the Settlement Class. The reaction of the

Settlement Class has been very positive. There are no objections or opt outs to the Settlement. To

date, 2,234 valid claims have been filed, representing 15% of the Settlement Class. While the

distribution of the Settlement Fund will not be finalized until the Court rules on the motion for

attorneys’ fees and costs and Settlement Class Members who submitted deficient forms have had

an opportunity to correct the deficiencies, it appears that Settlement Class Members who filed

valid claims will receive an estimated payment of $38, which exceeds the $30 estimate Class

Counsel provided in the Notice.

All of the factors that courts consider support granting final approval of the Settlement.

The relief provided by the Settlement is significant, particularly given the risk and expense of

continued litigation. The Settlement ensures that Settlement Class members are compensated

without delay and eliminates the risk of loss on class certification, at trial, or on appeal. Having

litigated through summary judgment, the parties are apprised of the strengths and weaknesses of

the claims and defenses. Class Counsel fully support the Settlement. And that no Settlement

Class Members objected further supports final approval. Plaintiff requests that the Court finally


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certify the Settlement Class, approve the Settlement as fair, reasonable and adequate, and

approve payment of settlement and administrative fees to P&N.

II. BACKGROUND

A. Relevant background regarding the Ocwen Litigation.

This case is derivative of the TCPA class action Ms. Mansanarez pursued against Ocwen

Loan Servicing in Snyder, et al. v. Ocwen Loan Servicing, LLC, No. 1:14-cv-08461, DE #362

(N.D. Ill.) (the “Ocwen Litigation”), where Ms. Mansanarez and two others alleged that Ocwen

used an Aspect autodialer to make millions of debt-collection calls to the cellular telephones of

Ms. Mansanarez and other consumers without first obtaining prior express consent. While the

Ocwen Litigation was pending, Ms. Mansanarez and the other Ocwen plaintiffs moved to amend

their complaint to add as defendants the banks that were trustees of the loans on which Ocwen

had attempted to collect, including Wilmington Trust. The Court denied the motion as untimely.

But in December 2016, Ms. Mansanarez and the Ocwen plaintiffs filed this separate lawsuit,

alleging that the banks are liable under the TCPA because the debt-collection calls by Ocwen

were made on the banks’ behalf.

In June 2017, the Court provisionally granted the Ocwen plaintiffs’ motion for

certification of a limited class under Federal Rule of Civil Procedure 23(b)(2) and for a

preliminary injunction to prevent Ocwen’s violative practices. See Snyder v. Ocwen Loan

Servicing, LLC, 258 F. Supp. 3d 893 (N.D. Ill. 2017). Shortly thereafter, the Ocwen parties

reached an initial settlement of the Ocwen Litigation. However, the Court declined to finally

approve the Ocwen settlement, in part, because it involved the release of claims against the

banks without any payment from them. In response, the Ocwen parties returned to mediation.

This time, the banks also participated. There, the Ocwen parties reached an amended settlement


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which the Court finally approved in 2019. But Ms. Mansanarez did not resolve her dispute with

Wilmington Trust. That resolution would not come for another year.

B. The Banks Litigation and the Settlement.

During the years prior to and following the Ocwen settlement, Ms. Mansanarez

propounded multiple sets of discovery on Wilmington Trust, pored through thousands of pages

of documents, successfully opposed the banks’ motion for dismissal on standing grounds, and

substantially defeated their summary judgment motion, in which the banks argued for the first

time that the Ocwen settlement had extinguished the claims here. Only after the parties had

engaged in discovery and litigated the motions regarding the merits of Plaintiff’s case did the

parties negotiate the material terms of the $185,270.25 Settlement. Plaintiff described in detail

the events that led to the Settlement with Wilmington Trust in the submissions supporting her

motion for preliminary approval. ECF Nos. 176 at 9-11, 176-1 at ¶¶ 2-6.

C. Notice and claims.

P&N implemented the Notice Plan outlined in the Settlement Agreement and approved

by the Court. The Email and Mail Notices successfully reached approximately 97.8% of the

Settlement Class. Declaration of Alex Mouton (“Mouton Decl.”) ¶ 15, Table 2. The deadline for

Settlement Class Members to submit or file a Claim Form was initially April 16, 2020. ECF No.

189 ¶ 21. Because of the covid-19 pandemic, the Court extended the deadline to May 7, 2020.

ECF No. 208. In all, P&N received 2,234 valid claim forms. Mouton Decl. ¶ 15, Table 3. In

addition, P&N received 28 claims where additional information is required to determine the

validity of the claims. Id. Those 28 claimants have until June 5, 2020 to correct the deficiencies.

Id. The payments to Settlement Class Members who filed valid claims cannot be determined

until the Court rules on the motion for attorneys’ fees and Settlement Class Members who


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submitted deficient forms have had an opportunity to correct the deficiencies. However, if the

Court awards the requested attorneys’ fees, costs, an incentive award, and P&N’s fees and costs,1

a total of $87,457.51 will be distributed pro rata to Settlement Class Members who filed valid

claims. Id., Table 4. If all deficient claims are cured, the estimated per claimant payment will be

$38.66. Id.

III. AUTHORITY AND ARGUMENT

A district court may approve a proposed settlement of a class action only after it directs

notice in a reasonable manner to all class members who would be bound and finds, after a

hearing, that the proposed settlement is “fair, reasonable and adequate.” Fed. R. Civ. P. 23(e)(2).

In making the latter determination, courts in this circuit consider the following factors:

(1) the strength of the case for plaintiffs on the merits, balanced against the extent of settlement offer; (2) the complexity, length, and expense of further litigation; (3) the amount of opposition to the settlement; (4) the reaction of members of the class to the settlement; (5) the opinion of competent counsel; and (6) the stage of the proceedings and the amount of discovery completed.... The most important factor relevant to the fairness of a class action settlement is the strength of plaintiff’s case on the merits balanced against the amount offered in the settlement.

Wong v. Accretive Health, Inc., 773 F.3d 859, 863–64 (7th Cir. 2014) (internal quotation marks

and citations omitted). Rule 23(e)(2) also includes a list of points a court must consider in

determining that a proposed class settlement is fair, reasonable, and adequate, including whether:

the class representatives and class counsel have adequately represented the class;

the proposal was negotiated at arm’s length;

it treats class members equitably relative to each other; and

the relief provided by the settlement is adequate, taking into consideration the costs,

1 P&N initially estimated that total notice and administrative costs would not exceed $40,217. Mouton Decl. ¶ 23. P&N now estimates administrative fees and costs will be slightly higher, at $41,203, primarily due to more postage. Id.


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risks, and delay of trial and appeal; the effectiveness of the proposed method of

distributing relief; the terms of any proposed award of attorneys’ fees; any

agreements made in connection with the proposed settlement.

Snyder v. Ocwen Loan Servicing, LLC, No. 14 C 8461, 2019 WL 2103379, at *4 (N.D. Ill. May

14, 2019) (citing Fed. R. Civ. P. 23(e)(2)).

A. The Settlement should be approved as fair, reasonable, and adequate.

1. Plaintiff and Class Counsel have adequately represented the Settlement Class and support the Settlement.

In granting preliminary approval of the Settlement, the Court found Plaintiff Susan

Mansanarez “capable of fairly and adequately protecting the interests of the members of the

Settlement Class….” ECF No. 189 at 3. Ms. Mansanarez committed significant time to this case.

She responded to multiple sets of written discovery and was prepared to go to trial. Class

Counsel, who have a great deal of experience litigating and settling TCPA class action cases (and

who the Court previously found to be adequate), wholeheartedly support the Settlement. See

Snyder, 2019 WL 2103379, at *4; see also Isby v. Bayh, 75 F.3d 1191, 1200 (7th Cir. 1996)

(“[T]he district court was entitled to give consideration to the opinion of competent counsel that

the settlement was fair, reasonable and adequate.”). These considerations support approval.

2. The Settlement was negotiated at arm’s length.

The Settlement was negotiated at arm’s length. The parties fought about the merits of the

case through multiple disputed motions. And they approached settlement discussions in the same

way until they were finally able to agree on material terms. The parties have no side agreements.

And there is no provision for reversion of unclaimed amounts, no clear sailing clause regarding

attorneys’ fees, and no other terms that raised red flags. Wong, 773 F.3d at 864 (settlement

approved absent “suspicious circumstances”). This factor also supports approval.


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3. The Settlement Class Members are treated equally.

The Settlement treats all class members the same. Each Settlement Class Member was

entitled to file one claim. The claim form merely required the Settlement Class Member’s name,

contact information, the telephone number at which he or she received the allegedly unlawful

calls, and a certification that he or she received the allegedly unlawful calls at the designated

telephone number. The equal distribution to valid claimants “is reasonably equitable” and favors

approval. Snyder, 2019 WL 2103379, at *5 (even if some class members received more

unwanted calls than others, the ability to opt out provides a safety valve).

4. The relief provided to the Settlement Class is adequate.2

a. Further litigation would have been complex, lengthy, and expensive.

Absent a settlement, significant work remained to bring this case to a conclusion. Fact

discovery was largely completed, though not entirely. And the deposition of Wilmington Trust’s

corporate representative and expert disclosure and discovery remained. Following the

completion of fact and expert discovery, Plaintiff still needed to move to certify a class under

Rule 23(b)(3). Depending on the outcome, the parties may have become embroiled in an

interlocutory appeal. Although the Court had already presided over one motion for summary

judgment, additional motions were likely to follow the determination of the class certification

motion. For example, Wilmington Trust likely would have joined with DBNTC to appeal or

revisit the Court’s denial of its standing-based motion for judgment on the pleadings, and the

banks’ motion for summary judgment, which the banks believe was incorrectly decided. Because

the additional work would be complex, lengthy, and expensive, this factor favors approval of the

2 The factors identified by the Seventh Circuit in Wong, 773 F.3d at 863-64, subsume most of the factors listed in Rule 23(e)(2).


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Settlement. Wong, 773 F.3d at 864 (“Further litigation almost certainly would have involved

complex and lengthy discovery and expert testimony.”).

b. The reaction of the Settlement Class was entirely positive.

The positive response to the Settlement by the Class further supports final approval. See,

e.g., In re Sw. Airlines Voucher Litig., No. 11 C 8176, 2013 WL 4510197, at *7 (N.D. Ill. Aug.

26, 2013), aff’d as modified, 799 F.3d 701 (7th Cir. 2015) (less than 0.01% objecting or opting

out supports reasonableness of settlement); In re Mexico Money Transfer Litig., 164 F. Supp. 2d

1002, 1021 (N.D. Ill. 2000) (holding that the fact that more than “99.9% of class members have

neither opted out nor filed objections ... is strong circumstantial evidence in favor of the

settlement”). No Settlement Class Members have objected to the Settlement, and none have

requested exclusion.

c. The extent of discovery completed and stage of proceedings favor approval.

Although significant work remains absent Settlement approval, much has been done

already. Plaintiff successfully defeated the banks’ motion for judgment on the pleadings. The

parties then exchanged initial disclosures, Plaintiff next served interrogatories, requests for

production of documents, and requests for admission, to which Wilmington Trust responded.

Plaintiff also served additional written discovery seeking information about the relationship

between the loans Wilmington Trust held in trust and Ocwen, and any knowledge that

Wilmington Trust had about any alleged violations of the law by Ocwen. In all, Wilmington

Trust produced over 6,000 pages of documents.

The parties also litigated the banks’ motion for summary judgment on whether the

Ocwen settlement extinguished or precluded Plaintiff’s claims in this case, and if not, whether

the banks could be held directly liable for Ocwen’s unlawful calls. On July 14, 2019, the Court


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denied the banks’ motion with respect to vicarious liability and claim preclusion but granted the

motion with respect to direct liability. ECF No. 157. This decision, together with Plaintiff’s

analysis of the discovery, allowed Plaintiff to evaluate the strength of her remaining claims and

defenses so that by the time they reached settlement terms, Plaintiff had sufficient information to

evaluate the merits of the case. See Isby, 75 F.3d at 1200 (granting final approval where court

was satisfied that the discovery and investigation conducted by class counsel prior to entering

into settlement negotiations was extensive and thorough). This factor favors approval of the

Settlement.

d. Strength of the case compared with the settlement offer.

“The most important factor relevant to the fairness of a class action settlement is the

strength of plaintiff’s case on the merits balanced against the amount offered in the settlement.”

Wong, 773 F.3d at 863–64 (citation omitted). Here, the amount offered is substantial given the

risks Plaintiff faced had she continued through class certification and to trial. Among other risks,

Plaintiff expects Wilmington Trust would argue that Plaintiff cannot certify a class because

determining who consented is an individualized issue that requires a loan-by-loan analysis and

Ocwen has consistently maintained that determining which borrowers consented en masse is

impossible. Next, Plaintiff risked losing on the merits on her remaining claim if she failed to

establish under agency principles that Wilmington Trust was vicariously liable for calls placed

by Ocwen. See Aranda v. Caribbean Cruise Line, Inc., No. 12 C 4069, 2017 WL 818854, at *3

(N.D. Ill. Mar. 2, 2017), aff’d but criticized sub nom. Birchmeier v. Caribbean Cruise Line, Inc.,

896 F.3d 792 (7th Cir. 2018) (granting final approval where “a key issue at trial would be the

factually and legally complicated question of whether [defendants] could be held vicariously


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liable for the calls….”). Plaintiff also risked losing if the Court concluded Ocwen’s dialing

system is not an ATDS. The Settlement avoids these risks.

Moreover, the amount Wilmington Trust has agreed to pay under the proposed

Settlement is consistent with other TCPA class action settlements. As “[t]his Court has noted

previously, valuing hypothetical continued litigation is necessarily somewhat speculative and not

an exact science.” Aranda, 2017 WL 818854, at *3 (citing Kolinek v. Walgreen Co., 311 F.R.D.

483, 493 (N.D. Ill. 2015). However, in the Seventh Circuit and beyond, there is a track record of

courts approving TCPA settlements in which claimants received similar payments. See, e.g., In

re Capital One Tel. Consumer Prot. Act Litig., 80 F. Supp. 3d 781, 787 (N.D. Ill. 2015) ($34.60

per claimant); Kolinek, 311 F.R.D. at 494 (roughly $30 per claimant); Charvat v. Valente, No.

12-CV-05746, 2019 WL 5576932, at *8 (N.D. Ill. Oct. 28, 2019) ($22.17 per claim); Rose v.

Bank of Am. Corp., No. 11 Civ. 02390, 12 Civ. 04009, 2014 WL 4273358, at *10 (N.D. Cal.

Aug. 29, 2014) (discussing range of acceptable TCPA settlements and approving settlement that

paid $20 to $40 per claimant).

For all of these reasons, Plaintiff respectfully requests that the Court approve the

Settlement as fair, reasonable, and adequate.

B. The Settlement Class should be finally certified for settlement purposes.

The Court conditionally certified the Settlement Class for settlement purposes when it

granted preliminary approval of the Settlement. ECF No. 189 ¶ 5. The Court concluded that the

Settlement Class satisfies numerosity because it includes persons called by Ocwen on 14,513

unique cell phone numbers. Commonality and predominance are satisfied because whether

Wilmington Trust is vicariously liable for calls made by Ocwen is a central common issue.

Typicality is satisfied because Plaintiff’s and Settlement Class Members’ claims arise from the


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same course of alleged conduct. And the Settlement Class satisfies adequacy because Plaintiff

does not have any conflicts with Settlement Class Members, has demonstrated her commitment

to the Settlement Class, and has retained qualified counsel. Superiority is satisfied because

resolution of thousands of the relatively small-value claims in this one action is far preferable to

a multitude of individual lawsuits and promotes consistency and efficiency of adjudication. For

these reasons, the Court should finally certify the Settlement Class for settlement purposes.

C. The notice program complied with Rule 23 and due process.

The notice program approved by the Court and implemented by P&N satisfied the

requirements of Rule 23 and due process. Rule 23 provides that “[t]he court must direct notice in

a reasonable manner to all class members who would be bound by the proposal.” Fed. R. Civ. P.

23(e)(1). The notice must be the “best notice practicable under the circumstances, including

individual notice to all members who can be identified through reasonable effort.” Fed. R. Civ.

P. 23(c)(2)(B). To comply with constitutional due process standards, the notice must be

“reasonably calculated, under all the circumstances, to apprise interested parties of the pendency

of the action and afford them an opportunity to present their objections.” Mullane v. Central

Hanover Bank & Trust Co., 339 U.S. 306, 314 (1950).

The Court approved the mail, email, and website notice in granting preliminary approval

of the settlement. ECF No. 189 ¶ 11. The notice was “reasonably calculated, under all

circumstances, to apprise interested parties of the pendency of the action and afford them an

opportunity to present their objections” and described “the action and the plaintiffs’ rights in it.”

Phillips Petroleum Co. v. Shutts, 472 U.S. 797, 812 (1985). The notice was written in plain

English and Spanish, and included the dates for class members to respond and the final approval

hearing. See Mouton Decl., Exhs. 1 and 2.


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P&N mailed the Court-approved Email Notice to email addresses associated with 12,429

Settlement Class Member records and the Court-approved Mail Notice to addresses associated

with 15,992 Settlement Class Member records. Mouton Decl. ¶ 15, Table 1. In total, 14,199

Email and Mail Notices were successfully delivered, representing 97.8% of the identified

Settlement Class Members. Id., Table 2. P&N also established a settlement website with detailed

information about the Settlement. Id. ¶ 12. The website address was printed on all notices. Id.

Located at https://wilmingtontcpasettlement.com/, the website had 1,327 hits as of May 8, 2020.

Id. The website lists important dates—including the new dates to submit claims, objections, and

exclusion requests and for the final approval hearing—and Settlement Class Members’ rights and

options, includes frequently asked questions and key documents from the case like the settlement

agreement and motion for attorneys’ fees, and allowed Settlement Class Members to submit an

online claim. Id. The website (and notices) also provided a toll-free number that class members

could call to reach a 24-hour automated phone system with recorded answers to frequently asked

questions. Id. ¶ 13. The toll-free number had received more than 99 calls as of May 8, 2020. Id.

Finally, P&N established a dedicated email address, [email protected],

as an alternate means for Settlement Class Members direct specific questions and requests to the

Settlement Administrator. Id. ¶ 14.

IV. CONCLUSION

Plaintiff respectfully requests that the Court finally certify the Settlement Class and

approve the Settlement as fair, reasonable, and adequate.


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RESPECTFULLY SUBMITTED AND DATED this 18th day of May, 2020.

TERRELL MARSHALL LAW GROUP PLLC By: /s/ Adrienne D. McEntee, Pro Hac Vice

Beth E. Terrell, Admitted Pro Hac Vice Email: [email protected] Adrienne D. McEntee, Admitted Pro Hac Vice Email: [email protected] 936 North 34th Street, Suite 300 Seattle, Washington 98103 Telephone: (206) 816-6603 Facsimile: (206) 319-5450 Alexander H. Burke, #6281095 Email: [email protected] Daniel J. Marovitch, #6303897 Email: [email protected] BURKE LAW OFFICES, LLC 155 North Michigan Avenue, Suite 9020 Chicago, Illinois 60601 Telephone: (312) 729-5288 Facsimile: (312) 729-5289 Mark L. Heaney Email: [email protected] HEANEY LAW FIRM, LLC 601 Carlson Parkway, Suite 1050 Minnetonka, Minnesota 55305 Telephone: (952) 933-9655 Guillermo Cabrera Email: [email protected] THE CABRERA FIRM, APC 600 West Broadway, Suite 700 San Diego, California 92101 Telephone: (619) 500-4880 Facsimile: (619) 785-3380

Attorneys for Plaintiff Susan Mansanarez


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CERTIFICATE OF SERVICE

I, Adrienne D. McEntee, hereby certify that on May 18, 2020, I electronically filed the

foregoing with the Clerk of the Court using the CM/ECF system which will send notification of

such filing to the following:

Kenneth Michael Kliebard Email: [email protected] William James Kraus Email: [email protected] MORGAN LEWIS & BOCKIUS LLP 77 West Wacker Drive Chicago, Illinois 60601-5094 Telephone: (312) 324-1000 Facsimile: (312) 324-1001 Michael S. Kraut Email: [email protected] MORGAN LEWIS & BOCKIUS LLP 101 Park Avenue New York, New York 10178 Telephone: (212) 309-6000 Facsimile: (212) 309-6001 Attorneys for Defendants U.S. Bank N.A. and Deutsche Bank National Trust Company Kelsey L. Kingsbery Email: [email protected] Frank A. Hirsch, Jr., Admitted Pro Hac Vice Email: [email protected] Sarah R. Cansler, Admitted Pro Hac Vice Email: [email protected] ALSTON & BIRD LLP 4721 Emperor Boulevard, Suite 400 Durham, North Carolina 27703 Telephone: (919) 862-2200 Facsimile: (919) 862-2260


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Terance A. Gonsalves Email: [email protected] David B. Carpenter, Admitted Pro Hac Vice Email: [email protected] ALSTON & BIRD LLP One Atlantic Center 1201 West Peachtree Street, Suite 4900 Atlanta, Georgia 30309 Telephone: (404) 881-7000 Facsimile: (404) 881-7777 Anna-Katrina S. Christakis Email: [email protected] Jennifer L. Majewski Email: [email protected] PILGRIM CHRISTAKIS LLP 321 North Clark Street, 26th Floor Chicago, Illinois 60654 Telephone: (312) 939-0920 Attorneys for Defendant Wilmington Trust, N.A.

DATED this 18th day of May, 2020.

TERRELL MARSHALL LAW GROUP PLLC By: /s/ Adrienne D. McEntee, Pro Hac Vice

Adrienne D. McEntee, Admitted Pro Hac Vice Email: [email protected] 936 North 34th Street, Suite 300 Seattle, Washington 98103-8869 Telephone: (206) 816-6603 Facsimile: (206) 319-5450

Attorneys for Plaintiff Susan Mansanarez


1

UNITED STATES DISTRICT COURTFOR THE NORTHERN DISTRICT OF ILLINOIS

EASTERN DIVISION

KEITH SNYDER, SUSAN MANSANAREZ, and TRACEE A. BEECROFT, individually and on behalf of all others similarly situated,

Plaintiff, vs.

U.S. BANK N.A., WILMINGTON TRUST, N.A., CITIBANK, N.A., and DEUTSCHE BANK NATIONAL TRUST COMPANY, individually and in their Capacities as Trustees,

Defendants.

No. 1:16-cv-11675

Honorable Matthew F. Kennelly

DECLARATION OF ALEX MOUTON IN SUPPORT OF FINAL SETTLEMENT APPROVAL

I, ALEX MOUTON, hereby declare as follows:

I. INTRODUCTION

1. Personal Information. I am a Project Manager for Postlethwaite & Netterville, APAC (“P&N”). P&N

was retained as the Settlement Administrator in this case, and, as the project manager, I am

personally familiar with the facts set forth in this declaration. If called as a witness, I could and

would competently testify to the matters stated herein.

2. The Capacity and Basis of this Declaration. I am over the age of 21. Except as otherwise noted, the

matters set forth in this Declaration are based upon my personal knowledge, information received

from the parties in this proceeding (the “Parties”), and information provided by my colleagues at

P&N and our partners.

II. BACKGROUND

3. Preliminary Approval. On December 6, 2019, the Court entered an order preliminarily approving

the Settlement Agreement and the appointment of Postlethwaite & Netterville as Settlement

Case: 1:16-cv-11675 Document #: 215-1 Filed: 05/18/20 Page 1 of 47 PageID #:9943

2

Administrator. After the Court granted preliminary approval of the Settlement, P&N began to

implement and coordinate the notice program and claims process.

4. The Purpose of this Declaration. I submit this Declaration to evidence P&N’s compliance with the

terms of the Preliminary Approval Order and detail P&N’s execution of its role as the Settlement

Administrator.

III. CLASS NOTICE PROGRAM EXECUTION

5. Notice Database. P&N maintains a database of 16,064 class member records (“Records”)

representing 14,513 unique phone numbers (“Class Members”) which was used to effectuate the

notice campaign as outlined within the Settlement Agreement.

6. Reverse Lookups. P&N received an initial data file containing 15,206 mailing address records and

11,703 email addresses representing 13,655 Class Members. To obtain contact information for the

remaining Class Members, P&N coordinated a reverse lookup analysis on the phone numbers

provided for the 858 Class Members for which contact information was not included in the initial

data file. This process resulted in mailing addresses for 786 Class Members and email addresses for

726 Class Members.

7. Email Notice. The Email Notice included an embedded link to the case website

(http://www.WilmingtonTCPASettlement.com/) for access to additional information (as outlined

in Section 16 below), instructions for filing a claim, and a toll-free telephone number from which a

Claim Form could be requested. A true and correct copy of the Email Notice is attached hereto as

Exhibit 1.

8. Email Notice Delivery. On January 17, 2020, P&N began to disseminate the E-Mail notice to 12,429

Records. Emails were successfully delivered to 11,015 Records. Email Notice delivery statistics are

detailed in Section 15 below.

9. Mail Notice. P&N coordinated and caused the mailing of the Postcard Notice to be mailed via First-

Class Mail to Class Members for which (a) a mailing address was provided to P&N or (b) a mailing

address was obtained from the reverse lookup process. The Postcard Notice included a “tear-off”


3

Claim Form with prepaid return postage, a link to the case website for access to additional

information, and the return address of the P.O. Box maintained for the purpose of receiving the

submitted Claim Form submissions and undeliverable Postcard Notices in connection with this

Settlement. A true and correct copy of the Postcard Notice is attached hereto as Exhibit 2.

10. Mail Notice Delivery. Prior to the Postcard Notice mailing, all mailing addresses were checked

against the National Change of Address (NCOA) database maintained by the United States Postal

Service (“USPS”). In addition, the addresses were certified via the Coding Accuracy Support System

(CASS) to ensure the quality of the zip code, and verified through Delivery Point Validation (DPV)

to verify the accuracy of the addresses. P&N executed Postcard Notice mailings for 15,992 Records

and supplemental mailings for 226 Records for which an initial Postcard Notices was not

deliverable but for which P&N was able to obtain an alternative mailing address through (1)

forwarding addresses provided by the USPS, (2) skip trace searches using the LexisNexis third party

vendor database, or (3) requests received directly from Class Members. Mail notice delivery

statistics are detailed in Section 15 below.

11. Settlement Post Office Box. P&N established the following dedicated Post Office Box (the “P.O.

Box”) for the Settlement Program:

Wilmington Trust TCPA Settlement c/o Postlethwaite & Netterville

P.O. Box 3137 Baton Rouge, LA 70821-3137

The P.O. Box serves as a location for the USPS to return undeliverable program mail to P&N and for

Class Members to submit Claim Forms, Exclusion Request Forms, and other settlement related

correspondence. The P.O. Box address appears prominently in all notices and in multiple locations

on the Settlement Website. P&N monitors the P.O. Box daily and uses a dedicated mail intake team

to process each item received.

12. Settlement Website. On January 17, 2020, P&N published the case website,

https://www.wilmingtontcpasettlement.com, to include details of the Settlement. The Settlement


4

Website address appeared prominently in all notices, and, as of May 8, 2020, has generated 1,126

users1 completing more than 1,327 sessions by the end of the Claims period. By accessing the

website, recipients are able to easily access the following documents and information:

a. The Postcard Notice in both English and Spanish (attached as Exhibit 2);

b. The Long Form Notice in both English and Spanish (attached as Exhibit 3);

c. The Class Action Complaint;

d. The Motion for Preliminary Approval and Supporting Declaration of Beth E. Terrell;

e. The Settlement Agreement and Release;

f. The Court’s Preliminary Approval Order;

g. Motion for Attorney’s Fees, Costs, and Incentive Award (added on February 19, 2020 along

with all other related motion papers and supporting declarations);

h. The Claim Form (attached as Exhibit 4);

i. An Online Claim Filing option;

j. The Exclusion Request Form;

k. Important Dates and Deadlines;

l. Frequently Asked Questions (FAQs) and answers thereto;

m. Claimant Contact Information Update Form; and

n. Contact information for the Claims Administrator.

On March 27, 2020, P&N posted an update to the home page of settlement website that

communicated a 21-day extension to all settlement deadlines. Specifically, (a) the deadline to

submit claims, the deadline to file objections, and the deadline to submit requests for exclusion had

been extended from April 16, 2020 to May 7, 2020 and (b) the date for the final approval hearing

had been extended from 5/18/2020 to 6/8/2020. The Court’s Notification of Docket Entry from

March 27, 2020 was also posted to the Court Documents page.

1 In Google Analytics, “users” are the number of new people who visit a site during a given time period. Google also notes that because a “user” is identified by the computer and web browser they are using; the metric can include overlap for people who visit from multiple computers or web browsers.


5

13. Toll-Free Number. P&N established a toll-free telephone number, 1-855-944-0047 (the “Toll-Free

Number”), which is available twenty-four hours per day. Settlement Class Members can call and

interact with an interactive voice response (“IVR”) system that provides important settlement

information and offers the ability to leave a voicemail message to address specific requests or

issues. The Toll-Free Number appeared in all notices, as well as in multiple locations on the

Settlement Website. The Toll-Free Number will remain active through the close of this Settlement

Program. As of May 8, 2020, P&N has received 99 calls to the toll-free number with a total listening

duration of 260.97 minutes.

14. Email Support. P&N established an Email address, [email protected], to

provide an additional option for Class Members to address specific questions and requests to the

Settlement Administrator for support. The Email address is displayed on the Settlement Website.

IV. NOTICE PROGRAM REACH

15. Notice Reach Results. The Direct Notice program (collectively E-Mail Notice and Mail Notice)

reached a total of 14,199 (97.8%) Class Members2. Table 1 below provides an overview of

dissemination results by for the Notice Program and Table 2 provides an overview of the reach

statistics for the Notice Program.

Table 1: Direct Notice Program Dissemination Results

Description Volume of Records (#)

Percentage of Records (%)

Records 16,064 100.00% E-Mail Notices

Records with an E-Mail Notice Attempted 12,429 77.4% Records with an E-Mail Notice Delivered 11,015 68.6%

Mail Notice Records with a Postcard Notice Mailed 15,992 99.6%

Records with a Postcard Notice Returned as Undeliverable 905 5.6%

Mail Notice Re-Mailed Records with a Postcard Notice Re-mailed 226 1.4% Records with an Undeliverable (Re-Mailed) Postcard Notice 36 0.2%

2 A Settlement Class Member is considered “reached” by direct Notice if (1) an Email Notice sent to the Settlement Class Member has not bouncedback as undeliverable or (2) a Postcard Notice mailed to the Settlement Class Member has not been returned by the USPS as undeliverable.


6

Table 2: Direct Notice Program Reach Statistics Description Volume (#) Reach (%)

Class Members (Unique Phone Numbers) 14,513 100.0%

Received BOTH Postcard & E-Mail Notice 9,504 65.5%

Received ONLY Postcard Notice 4,331 29.8%

Received ONLY E-mail Notice 364 2.5%

Received Direct Notice 14,199 97.8%

V. CAFA NOTICE

16. CAFA Notice. On December 5, 2019, pursuant to 28 U.S.C. § 1715(b), P&N distributed via Certified

Mail a cover letter and an enclosed read-only compact disc upon the recipients listed in Exhibit 5 to

this Declaration, i.e., the U.S. Attorney General and the appropriate government officials for all fifty

states, the District of Columbia, American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and

the Virgin Islands. The compact disc included:

(1) A copy of the Class Action Complaint filed on December 28, 2016;

(2) A copy of Plaintiff’s Motion for Preliminary Approval of Class Action Settlement

with DBNTC filed on November 26, 2019;

(3) A copy of the Settlement Agreement and Release with exhibits including the

detailed and short form notice with exclusion rights, the Proposed Order (1)

Conditionally Certifying a Settlement Class, (2) Preliminarily Approving Class

Action Settlement, (3) Approving Notice Plan, and (4) Scheduling Final Approval

Hearing, and the Proposed Order Granting Final Approval of Class Action

Settlement and Dismissing Class Plaintiff’s Claims;

(4) A copy of the Minute Entry Granting Preliminary Approval filed on December 3,

2019 (the signed Order was not available at the time the letter was sent); and

(5) Per 28 U.S.C. § 1715(b)(7), a list of potential class members by state.

Exhibit 6 to this Declaration shows a copy of the CAFA Notice that we mailed as described above,

with exhibits omitted due to size.


7

17. Proof of Delivery. P&N sent the CAFA Notice by Certified Mail and tracked the delivery of each CAFA

notice packet. Exhibit 5 to this Declaration shows delivery confirmation information for the CAFA

Notice. We obtained the delivery confirmation information from USPS return receipts and also

received receipt confirmation correspondence from a small number of recipients.

18. Responses to the CAFA Notices. P&N did not receive any questions or objections from recipients of

the CAFA Notice.

VI. CLAIM ACTIVITY

19. Claim Intake. The online claim submission platform was available beginning January 17, 2020 and

removed from the Settlement Website at the end of the claims period on May 8, 2020 at 12:00 AM

HST/6:00 AM EST. P&N shall continue to analyze claims that have already been received as well as

any additional timely claims mailed to the P.O. Box and postmarked by the claim filing deadline. As

of May 8, 2020 P&N has received a total 2,544 claims submissions.

20. Claim Processing and Review. P&N has processed, reviewed, and categorized all claim

submissions received as of the claims deadline. Invalid Claims are either those where the claimant

information provided did not match Class Member data records or duplicate claim submissions.

Valid Claims are non-duplicate submissions where the claimant information provided did match

Class Member data records. Pending Deficiency Claims are those where additional information is

required to determine the validity of the claim. Table 3 provides an overview of the claim statuses

as of May 8, 2020.

Table 3: Claim Status Overview (as of May 8, 2020)

Description Volume (#)

Percentage (%)

Class Members 14,513 100.0% Total Claims Received 2,544 17.5% Invalid Claim 282 1.9% Valid Claims 2,234 15.4% Pending Deficiency Claims 28 0.2%


8

If the Court awards the requested attorneys’ fees, costs, incentive awards, and administrative costs (as

outlined in Paragraph 23 below), the Settlement Class Recovery amount will be $87,457.51. If all 28

claimants respond and cure deficiencies, the per claim award will be $38.39. If zero additional deficiencies

are cured by claimant responses, the per claim award will be $38.87. Claimant responses to cure

deficiencies are due to be postmarked no later than June 5, 2020.

Table 4: Claim Award Calculation Range Description All Deficiencies Cured Zero Deficiencies Cured Settlement Amount $ 185,270.25 $ 185,270.25

(-) Attorney Fees $ 46,317.00 $ 46,317.00 (-) Attorney Costs $ 292.74 $ 292.74 (-) Incentive Award $ 10,000.00 $ 10,000.00 (-) Administrative Costs $ 41,203.00 $ 41,203.00

(=) Funds for Distribution $ 87,457.51 $ 87,457.51 Projected Valid Claims 2,262 2,234 Projected Distribution per Claim $ 38.66 $ 39.14

VII. EXCLUSIONS AND OBJECTIONS

21. Exclusions (Opt Outs) Received. P&N has not received any exclusion requests from Settlement

Class Members as of May 8, 2020.

22. Settlement Objections. The Preliminary Approval Order directed that objections be filed with the

Court. As of May 8, 2020, P&N has not received any objections from Settlement Class Members.

VIII. NOTICE AND ADMINSTRATION COSTS

23. Notice and Administration Costs. P&N originally estimated that total notice and administrative

costs would not exceed $40,217 ($34,900 in fees + estimated $5,317 in postage expenses).

Administrative fees and costs are currently estimated to total $41,203 ($35,200 in fees + $6,003 in

postage expenses). The primary driver of the additional administrative costs is an approximated

$686 postage cost increase related to mailing of 1,479 additional Postcard notices, receipt of 418


9

additional Postcard claims (prepaid return postage), and mailing of an estimated 323 additional

claimant payments compared to the original cost estimate.

IX. CERTIFICATION

I, Alex Mouton, declare under penalty of perjury pursuant to 28 U.S.C. § 1746 that the foregoing is true

and correct to the best of my knowledge. Executed on this 14th day of May, 2020.

__________________________________________ Alex Mouton


Exhibit 1


From: Wilmington Trust TCPA Settlement Administrator <[email protected]> Subject: Wilmington Trust TCPA Settlement Notice Email Text: Claim ID: ABC-1234567

COURT-APPROVED CLASS ACTION SETTLEMENT NOTICE

Dear Class Member, You have received this email because you may be a Class Member and eligible for a payment from a settlement in the Snyder, et al. v. U.S. Bank, N.A., et al. class action lawsuit. To be eligible for benefits in this matter, you must file a claim by April 16, 2020 using the unique Claim ID above. Claim Forms are available by visiting www.WilmingtonTCPASettlement.com or by calling 1-855-944-0047. More information can be found in the full summary notice below or on the case website at www.WilmingtonTCPASettlement.com.

If you received a call on a cell phone from Ocwen Loan Servicing, LLC between December 28, 2012 and December 3,

2019, you may be entitled to benefits under a class action settlement.

Snyder, et al. v. U.S. Bank, N.A., et al. No. 1:16-cv-11675

United States District Court for the Northern District of Illinois

This is not a lawsuit against you. You might get a payment from this settlement.

A class action settlement has been reached in the lawsuit Snyder, et al. v. U.S. Bank, N.A., et al., No. 1:16-cv-11675, which is pending in the U.S. District Court for the Northern District of Illinois, Eastern District (the “Court”). This lawsuit claims that Wilmington Trust is liable under the Telephone Consumer Protection Act for calls Ocwen Loan Servicing, LLC (“Ocwen”) made to cell phones on Wilmington Trust’s behalf using an automatic telephone dialing system without consent (“Automatic Calls”). Wilmington Trust denies it did anything wrong. Who is included? You may be a “Settlement Class Member” if you received one or more Automatic Calls to your cell phone from Ocwen between December 28, 2012 and December 3, 2019. The class is limited to individuals called on specific cell phone numbers. If you received this notice, you are very likely a Settlement Class Member. Summary of the Settlement: Under the proposed Settlement, Wilmington Trust has agreed to establish a Settlement Fund of $185,270.25 to: (1) pay Settlement Class Members who make valid and timely claims; (2) pay an incentive award to the Class Representative; (3) pay attorneys’ fees and costs; and (4) pay settlement notice and administration costs. Plaintiff will request an incentive award of no more than $10,000, and attorneys’ fees of up to $61,757, plus costs. Any


remaining monies from uncashed settlement checks may be redistributed to Claimants or paid to the Public Justice Foundation. Additional details of the Settlement can be found at www.WilmingtonTCPASettlement.com or by calling 1-855-944-0047. Can I get money from the Settlement? Yes, each Settlement Class Member who submits a valid and timely Claim will receive a cash award, the amount of which depends on how many people make approved claims. Class Counsel estimate that the amount of the cash award may be $30, based on a fifteen percent claim rate. If more people submit claims, that number could go down. How do I make a Settlement claim? You can make a claim by: (1) submitting your claim online at www.WilmingtonTCPASettlement.com; or (2) printing a copy of the claim from www.WilmingtonTCPASettlement.com/court-documents/ and mailing the completed form to Wilmington Trust TCPA Settlement, c/o Postlethwaite & Netterville, PO Box 3137, Baton Rouge, LA 70821-3137. Do I have a lawyer? Yes. The Court has appointed lawyers from the following firms to represent Class Members: Burke Law Offices, LLC, Terrell Marshall Law Group PLLC, and Heaney Law Firm, LLC. The lawyers will be paid from the Settlement Fund. You may enter an appearance through your own attorney if you so desire. What should I do? Class Members have four options:

1. Submit a Claim to the Settlement Administrator for a share of the Settlement Fund by April 16, 2020. For non-emergency calls made using an automatic telephone dialing system and/or an artificial or prerecorded voice, without the prior express consent of the called party, the TCPA provides for damages of $500 per call, and up to $1,500 per call if a violation is found to be willful. If the Settlement is approved, you will be bound by the Court’s decisions in the lawsuit. You will not have the right to sue separately for the TCPA claims in the lawsuit.

2. Remain a Class Member but object to the Settlement. Instructions for objecting are available at www.WilmingtonTCPASettlement.com. Objections and supporting documents must be sent to Class Counsel and Defense Counsel, and filed with the Court by April 16, 2020. You may choose to pay for and be represented by a lawyer who may send the objection for you at your own expense.

3. Exclude yourself from the Settlement by mailing a request to the Settlement Administrator (not the Court). You must state in writing your name, address, the cell number at which you were called by Ocwen, and that you want to be excluded from the Settlement. Exclusions must be signed by you and postmarked no later than April 16, 2020.

4. Do Nothing. If you do nothing, you will remain part of the Settlement Class and will release your claims against the Released Parties as defined in the Settlement Agreement, available at the settlement website, but you will not receive any money from this Settlement.

Scheduled Hearing: The judge presiding over the lawsuit scheduled a hearing for May 18, 2020, at 9:30 a.m., in Courtroom 2103 of the U.S. District Court, Northern District of Illinois, 219 S. Dearborn St., Chicago, IL 60604, regarding whether to give final approval to the Settlement, including the amounts of any attorneys’ fees, costs, and class representative awards. The hearing


may be changed without notice. It is not necessary for you to appear at this hearing, but you may attend at your own expense.

For more information: Visit: www.WilmingtonTCPASettlement.com; call: 1-855-944-0047; or write to: Wilmington Trust TCPA Settlement, c/o Postlethwaite & Netterville, PO Box 3137, Baton Rouge, LA 70821-3137.

En el sitio web, www.WilmingtonTCPASettlement.com, hay una notificación completa del acuerdo en Español.


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Snyder, et al. v. U.S. Bank, N.A., et al., No. 1:16-cv-11675United States District Court for the Northern District of Illinois

If you received a call on a cell phone from Ocwen Loan Servicing, LLC between December 28, 2012 and December 3, 2019, you may be entitled to benefits under a class

action settlement.

A federal court authorized this notice. This is not a solicitation from a lawyer.

• Susan Mansanarez (“Class Representative”) brought a lawsuit alleging that Wilmington Trust is liable under the Telephone Consumer Protection Act (“TCPA”), 47 U.S.C. § 227, for calls Ocwen Loan Servicing, LLC (“Ocwen”) made to cell phones allegedly on Wilmington Trust’s behalf using an automatic telephone dialing system without consent (“Automatic Calls”).

• A settlement (“Settlement”) has been reached in this case, which affects certain individuals who received an Automatic Call from Ocwen between December 28, 2012 and December 3, 2019(“Settlement Class Period”).

• The Settlement, if approved, will provide a $185,270.25 fund from which eligible persons who file valid and timely claims will receive cash awards (“Settlement Fund”). The cash awards are estimated to be approximately $30 per claim based on an assumption that 15 percent of the Settlement Class members submit valid and timely claims.

• You are in the “Settlement Class” if you were called on a specific cell phone number to which Ocwen made Automatic Calls during the Settlement Class Period.

• In addition to paying settlement awards to Settlement Class Members, the Settlement Fund will be used to pay attorneys’ fees and costs to attorneys representing the Class Representatives and the Settlement Class (“Class Counsel”), an incentive award to the Class Representative, the reasonable costs of notice and administration of the Settlement, and a charitable contribution if there are uncashed settlement award checks.

• Your legal rights are affected whether you act or don’t act. Read this notice carefully.

• En el sitio web, www.WilmingtonTCPASettlement.com, hay una notificación completa del acuerdo en Español. Para un operador telefónico de habla Español, llame al 1-855-944-0047.


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These rights and options - and the deadlines to exercise them - are explained in this notice. The Court in charge of this case still has to decide whether to approve the Settlement. Payments will be made on valid and timely claims if the Court approves the Settlement and after any appeals are resolved. Please be patient.

YOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT DEADLINE

Submit a Claim Form

This is the only way to get a payment. You can submit a valid and timely claim form online at www.WilmingtonTCPASettlement.com or by mail to Wilmington Trust TCPA Settlement, c/o Postlethwaite & Netterville, PO Box 3137, Baton Rouge, LA 70821-3137. If you fail to submit a claim, you will not receive a settlement payment.

April 16, 2020

Do Nothing Get no payment. Give up any rights to sue Wilmington Trust separately regarding the legal claims in this case. No Deadline

Exclude Yourself or "Opt Out" of the Settlement

Get no payment. If you exclude yourself, you will not waive any rights you may have against Wilmington Trust with respect to the legal claims in this case.

April 16, 2020

ObjectWrite to the Court about why you believe the Settlement is unfair. Even if you file a valid and timely objection, you can still submit a claim form to receive a payment.

April 16, 2020

Go to a Hearing Ask to speak in Court about the fairness of the Settlement if you file a valid and timely objection. May 18, 2020


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WHAT THIS NOTICE CONTAINS

BASIC INFORMATION............................................................................................................... PAGE 41. Why is there a notice?2. What is this class action lawsuit about?3. Why is there a settlement?

WHO IS IN THE SETTLEMENT ............................................................................................... PAGE 44. How do I know if I am part of the Settlement?

THE SETTLEMENT BENEFITS - WHAT YOU GET............................................................. PAGE 55. What does the Settlement provide?

HOW YOU GET A PAYMENT...................................................................................................PAGE 56. How and when can I get a payment?7. What am I giving up to get a payment or stay in the Class?

EXCLUDING YOURSELF FROM THE SETTLEMENT .......................................................PAGE 68. How do I exclude myself from the Settlement?

THE LAWYERS REPRESENTING YOU.................................................................................. PAGE 79. Do I have a lawyer in this case?10. How will the lawyers and Class Representatives be paid?

OBJECTING TO THE SETTLEMENT .....................................................................................PAGE 711. How do I tell the Court that I do not think the Settlement is fair?

THE COURT'S FAIRNESS HEARING...................................................................................... PAGE 812. When and where will the Court decide whether to approve the Settlement?13. May I speak at the hearing?

IF YOU DO NOTHING ................................................................................................................PAGE 914. What happens if I do nothing at all?

GETTING MORE INFORMATION........................................................................................... PAGE 915. How do I get more information?


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BASIC INFORMATION

1. Why is there a notice?

A court authorized this Notice because you have a right to know about a proposed settlement of this class action lawsuit, and about all of your options, before the Court decides whether to approve the Settlement. If the Court approves the Settlement and after any objections or appeals are resolved, an administrator appointed by the Court will make the payments that the Settlement allows. Because your rights will be affected by this Settlement, it is important that you read this Notice carefully.

If you received a Notice in the mail, it is because records indicate you may have received one or more Automatic Calls from Ocwen between December 28, 2012 and December 3, 2019.

More specifically, the Settlement Class comprises individuals that Ocwen called on certain cell phone numbers using Aspect telephone equipment during the Settlement Class Period.

The Court in charge of the case is the United District Court for the Northern District of Illinois, Eastern Division and the case is known as Snyder, et al. v. U.S. Bank, N.A., et al., No. 1:16-cv-11675 (N.D. Ill.).Susan Mansanarez is the “Plaintiff” or “Class Representative,” and the company sued, Wilmington Trust, is the “Defendant.”

You received this notice because Plaintiff and Defendant settled Plaintiff’s claims.

2. What is this class action lawsuit about?

A class action is a lawsuit in which the claims and rights of many people are decided in a single court proceeding. Representative plaintiffs, also known as “class representatives,” assert claims on behalf of the entire class.

The Class Representative filed and/or pursued this Action alleging that Wilmington Trust is liable under the TCPA for Automatic Calls Ocwen made to cell phones on Wilmington Trust’s behalf.

Wilmington Trust denies it did anything wrong, that Ocwen made calls on Wilmington Trust’s behalf, that Wilmington Trust has any liability for Ocwen’s calls, or that this case is appropriate for treatment as a class action.

3. Why is there a settlement?

The Court did not decide in favor of the Class Representative or Defendant. Both sides agreed to a settlement instead of going to trial. That way, they avoid the cost of a trial. The Class Representative and her attorneys think the Settlement is best for all Class Members, who get compensation.

WHO IS IN THE SETTLEMENT?4. How do I know if I am part of the Settlement?

The Court has certified a class action for settlement purposes only. You are in the Settlement Class if you are a person whom Ocwen called using its Aspect dialing system on one of 14,513 unique cell phone number between December 28, 2012 and December 3, 2019.

Excluded from the Class are individuals who are not or were not regular users or subscribers of the cellular telephone numbers at issue, are officers or directors of Wilmington Trust or of any Wilmington Trust affiliate, any justice, judge, or magistrate judge of the United States or any State, their spouses, and persons


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within the third degree of relationship to either of them, or the spouses of such persons, and all persons who validly exclude themselves or opt out of the Settlement Class.

If you have questions about whether you are a Class Member, or are still not sure whether you are included, you can call 1-855-944-0047 or visit www.WilmingtonTCPASettlement.com for more information.

THE SETTLEMENT BENEFITS - WHAT YOU GET

5. What does the Settlement provide?

Wilmington Trust has agreed to pay a total settlement amount of $185,270.25, which will be used to create a Settlement Fund to pay cash awards to Settlement Class Members who submit a valid and timely claim, pay Class Counsel’s attorneys’ fees and costs, pay an incentive award to the Class Representative, and pay costs and expenses of settlement administration.

Any remaining monies from uncashed checks may be redistributed in further distributions to valid claimants. However, if a further distribution would be administratively infeasible (e.g., less than $1 per qualifying claimant), the remaining monies will instead be donated to the Public Justice Foundation.

HOW YOU GET A PAYMENT

6. How and when can I get a payment?

Each Settlement Class Member who submits a valid and timely Claim Form will receive Settlement Relief. Settlement Relief is a cash payment. The final cash payment amount will depend on the total number of valid and timely claims filed by all Class Members. Class Counsel estimate that the amount of the cash award (while dependent upon the number of claims) may be $30.

Claims may be submitted electronically via the Settlement Website, www.WilmingtonTCPASettlement.com, or by mail to:

Wilmington Trust TCPA Settlementc/o Postlethwaite & Netterville

PO Box 3137Baton Rouge, LA 70821-3137

The Court will hold a hearing on May 18, 2020, to decide whether to approve the Settlement. If the Settlement is approved, appeals may still follow. Whether the appeals, if any, can be resolved is uncertain, and resolving them can take time, perhaps more than a year. Please be patient.

7. What am I giving up to get a payment or stay in the Class?

If you are a Settlement Class Member, unless you exclude yourself, you will be bound by the release of claims in the Settlement. This means that, if the Settlement is approved, you can’t sue, continue to sue, or be part of any other lawsuit against Wilmington Trust regarding violations arising out of Automatic Calls made by Ocwen between December 28, 2012 and December 3, 2019, and all of the decisions and judgments by the Court will bind you. For non-emergency calls or text messages to a cell phone number made using an automatic telephone dialing system without the prior express consent of the called party, the TCPA provides for damages of $500 per violation, or up to $1,500 for willful violations, plus an injunction limiting future conduct. However, Wilmington Trust has denied that it is responsible for any allegedly illegal calls made by


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Ocwen, and in any future lawsuit it will have a full range of potential defenses, including that it is not responsible for Ocwen’s phone calls and/or that Ocwen had prior express consent to make the calls. This Settlement permits class members the opportunity to obtain a smaller amount of money, risk-free.If you file a Claim Form for benefits or do nothing at all, you will be unable to file your own lawsuit regarding the claims described in this Notice, and you will release Wilmington Trust from any liability for the Released Claims defined below and in the Settlement.Remaining in the Settlement Class means that you, as well as anyone claiming through you such as heirs, administrators, successors, and assigns, relinquish and discharge each and all of the Released Parties from each of the Released Claims (as defined below).Claims Released: Upon Final Approval, each member of the Settlement Class shall, by operation of the Judgment, be deemed to have fully, conclusively, irrevocably, forever, and finally released, relinquished, and discharged the Released Persons in all capacities, including individual and trustee capacities, from any and all claims, causes of action, suits, obligations, debts, demands, agreements, promises, liabilities, damages, losses, controversies, costs, expenses and attorneys’ fees of any nature whatsoever, whether based on any federal law, state law, common law, territorial law, foreign law, contract, rule, regulation, any regulatory promulgation (including, but not limited to, any opinion or declaratory ruling), common law or equity, whether known or unknown, suspected or unsuspected, asserted or unasserted, foreseen or unforeseen, actual or contingent, liquidated or unliquidated, punitive or compensatory, as of the date of Final Approval, that relate to Wilmington Trust’s liability arising from Ocwen’s alleged use of an “automatic telephone dialing system” or “artificial or prerecorded voice” as defined in the Telephone Consumer Protection Act.The Settlement Agreement (available at the website) provides more detail regarding the release and describes the Released Claims with specific descriptions in necessary, accurate legal terminology, so read it carefully. You can talk to the law firms representing the Class listed in Question 9 for free, or you can, at your own expense, talk to your own lawyer if you have any questions about the Released Parties or the Released Claims or what they mean.The release does not apply to Settlement Class Members who timely opt-out of the Settlement.

EXCLUDING YOURSELF FROM THE SETTLEMENT

If you don’t want a payment from this Settlement, and you want to keep the right to sue or continue to sue Wilmington Trust on your own about the legal issues in this case, then you must take steps to exclude yourself from the Settlement.

8. How do I exclude myself from the Settlement?

To exclude yourself from the Settlement, you must send a letter by mail saying that you want to be excluded from Snyder, et al. v. U.S. Bank, N.A., et al, Case No. 1:16-cv-11675 (N.D. Ill.). Be sure to include your full name, address, and the cell phone number at which you were called by Ocwen. You must also include a statement that you wish to be excluded from the Settlement and sign the statement. You must mail your exclusion request postmarked no later than April 16, 2020 to:




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If you ask to be excluded, you will not get any Settlement Relief, and you cannot object to the Settlement. You will not be legally bound by anything that happens in this lawsuit. You may be able to sue (or continue to sue) Wilmington Trust in the future. Although no other person may exclude you from the Settlement Class, nothing prohibits you from obtaining the assistance of another, such as a lawyer or family member, in preparing or submitting any individual exclusion.

THE LAWYERS REPRESENTING YOU

9. Do I have a lawyer in this case?

The Court appointed the following law firms to represent you and other Class Members:

Terrell Marshall Law Group, PLLC, Burke Law Offices, LLC, and Heaney Law Firm, LLC.

All of these lawyers are called Class Counsel. You will not be charged separately for these lawyers’ services. If you want to be represented by your own lawyer, you may hire one at your own expense.

Additionally, you may enter an appearance through your own attorney if you so desire, but you do not need to do so.10. How will the lawyers and Class Representatives be paid?

Class Counsel will ask the Court to approve payment of up to $61,757 to compensate them for attorneys’ fees for investigating the facts, litigating the case, and negotiating the Settlement, plus costs. Class Counsel will also request an award of $10,000 to the Class Representative, as compensation for her time and effort. The Court may award less than these amounts. These payments, along with the costs of administering the Settlement, will be made out of the Settlement Fund.

OBJECTING TO THE SETTLEMENT

You can tell the Court that you do not agree with the Settlement or some part of it.

11. How do I tell the Court that I do not think the Settlement is fair?

If you are a Settlement Class Member and do not exclude yourself, you can object to the Settlement, or any part of the Settlement, for example if you do not think the Settlement is fair. You can state reasons why you think the Court should not approve it. The Court will consider your views. To object, you must file a written statement with the Court saying that you object to the proposed Settlement in Snyder, et al. v. U.S. Bank, N.A., et al, Case No. 1:16-cv-11675 (N.D. Ill.). Be sure to include your full name, address, current phone number, cellular telephone number Ocwen called you on, the reasons you object to the Settlement, and whether you intend to appear at the fairness hearing on your own behalf or through counsel. All objections shall identify any lawyer that represents you as to your objection and provide that lawyer’s address and telephone number, but you do not have to have a lawyer. Any documents that you wish for the Court to consider must also be attached to the objection, and your objection should also be sent to Class Counsel and counsel for Wilmington Trust. Your objection to the Settlement must be filed no later than April 16, 2020.

The objection must be provided as follows to the following:


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For Filing:

Snyder, et al. v. U.S. Bank, N.A., et al, Case No. 1:16-cv-11675U.S. District Court, Northern District of Illinois219 South Dearborn StreetChicago, IL 60604

By Mail:

Beth E. TerrellAdrienne D. McEnteeTerrell Marshall Law Group, PLLC936 N. 34th St., Suite 300Seattle, WA 98103

Alexander H. BurkeBurke Law Offices, LLC155 N. Michigan Ave., Suite 9020Chicago, IL 60601

Attorneys for Plaintiff and the Settlement Class

Terance A. GonsalvesALSTON & BIRD LLPOne Atlantic Center1201 West Peachtree Street, Suite 4900Atlanta, Georgia 30309

Attorneys for Defendant

THE FAIRNESS HEARING

12. When and where will the Court decide whether to approve the Settlement?

The Court will hold a hearing to decide whether to approve the Settlement. This Fairness Hearing will be held at 9:30 a.m. on May 18, 2020 at the United States District Court for the Northern District of Illinois, 219 S. Dearborn St., Chicago, Illinois 60604, in Courtroom 2103. The hearing may be moved to a different date or time without additional notice, so it is a good idea to check the Settlement Website for updates. At this hearing, the Court will consider whether the Settlement is fair, reasonable, and adequate, and whether to award attorneys’ fees, expenses, and an incentive award to the Class Representative as described above, and in what amount. If there are objections, the Court will consider them. At or after the hearing, the Court will decide whether to approve the Settlement. We do not know how long it will take the Court to issue its decision. You do not have to come to this hearing, but you may attend at your own expense. However, any Settlement Class Member who fails to object to the Settlement in the manner described in section 11shall be deemed to have waived any such objection, shall not be permitted to object to any terms or approval of the Settlement at the Final Approval Hearing, and shall be foreclosed from seeking any review of the Settlement or the terms of the Agreement by appeal or other means.

13. May I speak at the hearing?

You may ask the Court for permission to speak at the Fairness Hearing. To do so, you must file a notice with the Court saying that you intend to appear at the Fairness Hearing in Snyder, et al. v. U.S. Bank, N.A., et al, Case No. 1:16-cv-11675 (N.D. Ill.). Be sure to include your full name, address, and telephone number, as well as copies of any papers, exhibits or other evidence that you intend to present to the Court. Your notice of intention to appear must be filed no later than April 16, 2020. Copies of your notice of intent to appear must also be sent to the attorneys for the Plaintiff and Settlement Class and to the attorneys for Defendant at the addresses provided above. You may not be permitted to speak at the hearing if you exclude yourself from the Settlement or do not file a timely notice of intent to appear.


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IF YOU DO NOTHING

14. What happens if I do nothing at all?

If you do nothing, and are a Class Member, you will not receive a payment after the Court approves the Settlement and any appeals are resolved. In order to receive a payment, you must submit a claim form. Unless you exclude yourself, you won’t be able to start a lawsuit, continue with a lawsuit, or be part of any other lawsuit against Wilmington Trust regarding the legal issues in this case.

GETTING MORE INFORMATION

15. How do I get more information?

This Notice summarizes the proposed Settlement. More details are in the Settlement Agreement. You can get a copy of the Settlement Agreement by calling the Settlement Administrator toll-free at 1-855-944-0047, writing to: Wilmington Trust TCPA Settlement, c/o Postlethwaite & Netterville, PO Box 3137, Baton Rouge, LA 70821-3137; or visiting the website at www.WilmingtonTCPASettlement.com, where you will also find answers to common questions about the Settlement, a claim form, plus other informationto help you determine whether you are a Class Member and whether you are eligible for a payment.



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Snyder, et al. v. U.S. Bank, N.A., et al., N.° 1:16-cv-11675Tribunal de Distrito Federal, Distrito Norte de Illinois, Estados Unidos

Si usted recibió una llamada a su teléfono celular de parte Ocwen Loan Servicing, LLC entre el 28 de diciembre de 2012 y el 3 de diciembre de 2019, tiene derecho a obtener

los beneficios del arreglo de acción colectiva.

Un tribunal federal autorizó la emisión de esta notificación. Esto no es una solicitud de un abogado.

• Susan Mansanarez (“Representante del grupo demandante”) inició juicio alegando que Wilmington Trust es responsable de las llamadas que Ocwen Loan Servicing, LLC (“Ocwen”) realizó a teléfonos celulares, supuestamente en representación de Wilmington Trust con un sistema de marcado automático de teléfonos y sin el debido consentimiento (“Llamadas automáticas”), según la Ley de Protección al Usuario Telefónico (“TCPA”, por sus siglas en inglés), Título 47, sección 227 del Código de EE. UU.

• Se ha llegado a un arreglo (“Arreglo”) para esta acción, que incluye a ciertas personas que recibieron una llamada automática de Ocwen entre el 28 de diciembre de 2012 y el 3 de diciembre de 2019 (“Período de arreglo colectivo”).

• El arreglo, de ser aprobado, creará un fondo de $185,270.25 del cual las personas elegibles que presentaron demandas válidas y oportunas recibirán gratificaciones en efectivo (“Fondo del arreglo”). Se estima que las gratificaciones en efectivo sean de $30 por demanda, según la suposición de que el 15 por ciento de los miembros del arreglo colectivo presentase demandas válidas y oportunas.

• Usted se encuentra en el “Arreglo colectivo” si fue llamado a uno de los números de teléfonos celulares específicos a los que Ocwen realizó llamadas automáticas durante el período de arreglo colectivo.

• Además del pago de gratificaciones en efectivo a los miembros del arreglo colectivo, el fondo del arreglo será usado para pagar los honorarios y costas legales de los abogados que patrocinen a los Representantes del grupo demandante y del arreglo colectivo (“Abogados del colectivo”), un incentivo al representante de los grupos demandantes, los costos razonables de la notificación y administración del arreglo, y una contribución a donaciones de entidades de bien público si hubiese cheques de gratificación del arreglo sin cobrar.

• Sus derechos legales están afectados independientemente de que usted haga o no haga nada al respecto. Lea esta notificación detenidamente.

• En el sitio web, www.WilmingtonTCPASettlement.com, hay una notificación completa del acuerdo en Español. Para un operador telefónico de habla Español, llame al 1-855-944-0047.


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En esta notificación se explican esos derechos y opciones, y los plazos para ejercerlos. El tribunal a cargo del caso aún tiene que decidir si aprueba o no el arreglo. Si el tribunal aprueba el arreglo, los pagos se realizarán según las demandas válidas y oportunas presentadas y luego de que se resuelvan las apelaciones. Tenga paciencia.

RESUMEN DE SUS DERECHOS LEGALES Y OPCIONES EN ESTE ARREGLO PLAZO

Presentar una demanda

Es la única forma de obtener un pago. Puede presentar una demanda válida y oportuna en línea en www.WilmingtonTCPASettlement.com o por correo a Wilmington Trust TCPA Settlement, c/o Postlethwaite & Netterville, PO Box 3137, Baton Rouge, LA 70821-3137. Si no la presenta, no recibirá un pago del arreglo.

16 de abril de 2020

No hacer nadaNo obtiene el pago. Renuncia a cualquier derecho de demandar a Wilmington Trust por separado, con respecto a las pretensiones de esta acción.

Sin plazo

Excluirse o “Bajarse voluntariamente” del arreglo

No obtiene el pago. Si se excluye, renuncia a cualquier derecho que pudiese tener y presentar contra Wilmington Trust con respecto a las pretensiones de esta acción.

16 de abril de 2020

Objeto

Haga un escrito al tribunal y detalle las razones por las que cree que el arreglo es injusto. Incluso si interpone una objeción válida y oportuna, aún puede presentar una demanda para recibir el pago.

16 de abril de 2020

Ir a la audiencia Si interpuso una objeción válida y oportuna, pida hablar en el tribunal sobre la equidad del arreglo. 18 de mayo de 2020


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QUÉ CONTIENE ESTA NOTIFICACIÓN

INFORMACIÓN BÁSICA............................................................................................................ PÁGINA 41. ¿Por qué hay una notificación?2. ¿De qué trata esta demanda colectiva?3. ¿Por qué hay un arreglo?

¿QUIÉN ES PARTE DEL ARREGLO?...................................................................................... PÁGINA 44. ¿Cómo puedo saber si soy parte de esto?

BENEFICIOS DEL ARREGLO - LO QUE USTED OBTIENE............................................... PÁGINA 55. ¿Qué brinda el arreglo?

CÓMO OBTENER UN PAGO..................................................................................................... PÁGINA 56. ¿Cómo y cuándo puedo obtener un pago?7. ¿A qué renuncio para obtener un pago o permanecer en el grupo de demandantes?

EXCLUIRSE DEL ARREGLO.................................................................................................... PÁGINA 68. ¿Cómo me excluyo del arreglo?

LOS ABOGADOS QUE LO REPRESENTAN........................................................................... PÁGINA 79. ¿Tengo un abogado en este caso?10. ¿Cómo se pagará a los abogados y a los representantes de los grupos demandantes?

OBJETAR EL ARREGLO ........................................................................................................... PÁGINA 711. ¿Cómo le digo al tribunal que no considero que el arreglo sea justo?

AUDIENCIA DE EQUIDAD ........................................................................................................ PÁGINA 812. ¿Cuándo y dónde decidirá el tribunal si aprueba el arreglo?13. ¿Puedo hablar en la audiencia?

SI NO HACE NADA...................................................................................................................... PÁGINA 914. ¿Qué pasa si no hago nada?

OBTENER MÁS INFORMACIÓN ............................................................................................. PÁGINA 915. ¿Cómo obtengo más información?


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INFORMACIÓN BÁSICA

1. ¿Por qué hay una notificación?

Un tribunal autorizó que se emitiera esta notificación porque usted tiene derecho a conocer el arreglopropuesto de esta demanda colectiva y todas sus opciones antes de que el tribunal decida si da la aprobación del arreglo. Si el tribunal aprueba el arreglo y una vez que se resuelva cualquier objeción o apelación, un administrador designado por el tribunal emitirá los pagos que el arreglo permita. Debido a que sus derechos se verán afectados por este arreglo, es importante que lea detenidamente esta notificación.

Si recibió una notificación por correo, es porque los archivos indican que puede haber recibido una o más llamadas automáticas de Ocwen entre el 28 de diciembre de 2012 y el 3 de diciembre de 2019.

En concreto, el arreglo colectivo comprende a las personas que Ocwen llamó a ciertos números de teléfonos celulares con equipos telefónicos Aspect durante el período del arreglo colectivo.

El tribunal a cargo del caso es el Tribunal de Distrito Federal, Distrito Norte de Illinois de Estados Unidos, División Este, y el nombre del caso es Snyder, et al. v. U.S. Bank, N.A., et al., N.° 1:16-cv-11675 (N.D. Ill.). Susan Mansanarez es la “demandante” o “Representante del grupo demandante” y la compañía demandada es Wilmington Trust, la “demandada”.

Recibió esta notificación porque la demandante y la demandada acordaron la demanda de la primera parte.

2. ¿De qué trata esta demanda colectiva?

Una acción colectiva es un juicio en el que los pedidos y derechos de muchas personas se deciden en un solo procedimiento judicial. El representante del demandante, también conocido “representante del grupo demandante”, hace valer los reclamos de todo el grupo.

El representante del grupo demandante presentó esta acción, alegando que, conforme a la TCPA, Wilmington Trust es responsable de las llamadas automáticas realizadas por Ocwen a teléfonos celulares en nombre de Wilmington Trust.

Wilmington Trust niega que haya hecho algo malo, que Ocwen haya realizado las llamadas en nombre de Wilmington Trust, que Wilmington Trust tenga responsabilidad alguna por las llamadas de Ocwen, o que el caso sea adecuado para considerarlo como una acción colectiva.

3. ¿Por qué hay un arreglo?

El tribunal no decidió a favor de la Representante del grupo demandante ni de la demandada. Ambas partes acordaron llegar a un arreglo en lugar de iniciar un juicio. De esta manera, evitan los costos que supone un juicio. La representante del grupo demandante y sus abogados creen que el arreglo es lo mejor para todos los miembros del grupo, quienes obtienen una indemnización.

¿QUIÉN ES PARTE DEL ARREGLO?4. ¿Cómo puedo saber si soy parte de esto?

El tribunal ha certificado una acción colectiva para los fines del arreglo únicamente. Usted está en el arreglo colectivo si es alguna de las personas a las que Ocwen llamó con su sistema de marcación Aspect a uno de los 14,513 números de teléfonos celulares, entre el 28 diciembre de 2012 y el 3 de diciembre de 2019.


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Aquellos que no son incluidos en el grupo son las personas que no son ni fueron usuarios habituales o suscriptores de los números de teléfonos celulares pertinentes, son representantes o directores de Wilmington Trust o cualquiera de sus empresas subsidiarias, cualquier juez de tribunal superior, inferior o de cualquier tipo, sus cónyuges y personas dentro del tercer grado civil de consanguinidad con alguno de ellos, o cónyuges de tales personas, y todas las personas que válidamente se excluyeron o se bajaron voluntariamente del arreglo colectivo.

Si tiene dudas acerca de su pertenencia o no al grupo de demandantes, o si no está seguro de que está incluido, puede llamar al 1-855-944-0047 o visitar www.WilmingtonTCPASettlement.com para obtener más información.

BENEFICIOS DEL ARREGLO - LO QUE USTED OBTIENE

5. ¿Qué brinda el arreglo?

Wilmington Trust ha acordado pagar la suma total de $185,270.25, que será usada para crear un fondo de arreglo a fin de abonar lo siguiente: gratificaciones en efectivo para los miembros del arreglo colectivo que presentaron una demanda en tiempo y forma, pagar honorarios y costas legales de los Abogados del colectivo, pagar un incentivo al representante del grupo, y pagar costos y cargos administrativos del arreglo.

Cualquier suma de dinero restante de cheques sin reclamar podrán ser redistribuidas en posteriores distribuciones a los demandantes que les corresponda. Sin embargo, si resultase administrativamente imposible una posterior distribución (por ej. menos de un $1 por demandante apto), el resto del dinero será donado a Public Justice Foundation.

CÓMO OBTENER UN PAGO

6. ¿Cómo y cuándo puedo obtener un pago?

Cada miembro del arreglo colectivo que presente una demanda en tiempo y forma recibirá una reparación judicial. La reparación judicial es un pago en efectivo. El monto final del pago en efectivo dependerá de la cantidad total de demandadas que fueron presentadas en tiempo y forma por los miembros del grupo. Los Abogados del colectivo estiman que la cantidad total de la gratificación en efectivo (dependiendo de la cantidad de demandas) podría ser de $30.

Las demandas pueden ser presentadas electrónicamente a través del sitio web del arreglo: www.WilmingtonTCPASettlement.com o por correo a la siguiente dirección:



El tribunal decidirá si aprueba o no el arreglo el 18 de mayo de 2020. Si el arreglo se aprueba, podrían seguir las apelaciones. Es incierto si las apelaciones, en caso de que las hubiera, pudieran resolverse, ya que demoran su tiempo, quizás más de un año. Tenga paciencia.

7. ¿A qué renuncio para obtener un pago o permanecer en el grupo de demandantes?

Si usted es miembro del arreglo colectivo, habrá aceptado la renuncia de pretensiones del arreglo, a menos de que se haya excluido por voluntad propia. Esto significa que, si el arreglo se aprueba, no puede demandar,


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ni iniciar una causa judicial contra Wilmington Trust con respecto a las violaciones que surjan de las llamadas automáticas realizadas por Ocwen, entre el 28 de diciembre de 2012 y el 3 de diciembre de 2019. Todas los fallos y las sentencias del tribunal serán vinculantes. La TCPA ofrece en concepto de daños $500 por falta, o hasta $1,500 por violaciones intencionales, más una orden judicial que limite la conducta futura para llamadas o mensajes de texto que no sean de emergencia y que se realicen a un teléfono celular con un sistema de marcación automática de teléfonos sin el consentimiento expreso previo de la parte. Sin embargo, Wilmington Trust ha negado que sea responsable de cualquier supuesta llamada ilegal hecha por Ocwen, y en un posible juicio tendrá una amplia variedad de defensas potenciales, que incluyen la exclusión de responsabilidad de las llamadas de Ocwen y/o que Ocwen tenía consentimiento expreso previo para hacer las llamadas. Este arreglo permite que los miembros del grupo tengan la oportunidad de obtener una cantidad menor de dinero, sin riesgos.Si presenta una demanda por beneficios o decide no hacer nada, no podrá iniciar un juicio con relación a las pretensiones detalladas en esta notificación, y eximirá a Wilmington Trust de cualquier responsabilidad de las condiciones detalladas a continuación de este arreglo.El hecho de permanecer en el arreglo colectivo significa que usted, así como cualquier persona que demanda en su representación como herederos, administradores, sucesores y cesionarios, cede a las partes liberadas de cada una de las demandas renunciadas (según se define a continuación).Demandas renunciadas: de acuerdo a la aprobación final, cada miembro del arreglo colectivo podrá por fallo judicial, de manera completa, definitiva, irrevocable, y para siempre, liberar, renunciar y exonerar a las personas liberadas de todas sus capacidades, que incluyen: aquellas individuales y fiduciarias, de cualquier pretensión, pleito, juicio, obligación, deuda, demanda, acuerdo, promesa, responsabilidad, daño,pérdida, litigio, costo, honorarios y costas legales de cualquier naturaleza, de acuerdo a cualquier ley federal, estatal, derecho jurídico anglonorteamericano, ley territorial u extranjera; contrato, decreto, regulación, promulgación reglamentaria (que incluye, entre otros, una opinión o fallo declaratorio), derecho consuetudinario o equidad, que sea conocido o no, se sospeche o no, se declare o no, se prevea o no, sea efectivo o contingente, liquidado o sin liquidar, punitivo o compensatorio, desde la fecha de la aprobación final, y que se relacione con la responsabilidad de Wilmington Trust del supuesto uso de Ocwen de un “sistema de marcación automática de teléfonos” o “voz pregrabada o artificial”, según lo detallado en la Ley de Protección al Usuario Telefónico.El arreglo (disponible en la página web) brinda más detalles acerca de la liberación y describe las demandas renunciadas con descripciones específicas en terminología legal precisa y necesaria; por eso, léalo detenidamente. Puede hablar gratuitamente con los estudios jurídicos que representan al grupo y que se encuentran en la Pregunta 9, o puede, bajo cuenta propia, hablar con su propio abogado si tiene más preguntas acerca de las partes liberadas o las renuncias de demandas y sus significados.Esta renuncia no se aplica a los miembros del arreglo colectivo que se bajaron voluntaria y oportunamente del arreglo.

EXCLUIRSE DEL ARREGLO

Si no quiere un pago del arreglo pero quiere mantener su derecho a demandar por cuenta propia a Wilmington Trust por las cuestiones legales de este caso, entonces debe seguir ciertos pasos para excluirse del arreglo.

8. ¿Cómo me excluyo del arreglo?

Para excluirse del arreglo, debe enviar una carta por correo en la que manifieste su deseo de excluirse deSnyder, et al. v. U.S. Bank, N.A., et al., caso N.° 1:16-cv-11675 (N.D. Ill.). Asegúrese de incluir su nombre completo, dirección y el número de teléfono celular al que fue contactado por Ocwen. También puede incluir una declaración que manifieste su deseo de ser excluido del arreglo y que tenga su firma.Debe enviar por correo este pedido de exclusión con matasellos antes del 16 de abril de 2020 a la dirección:




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Si pide ser excluido, no obtendrá ninguna reparación judicial y no podrá objetar el arreglo. No estará legalmente obligado a nada de lo que suceda en esta demanda. Puede demandar (o continuar demandando) a Wilmington Trust en el futuro. Aunque ninguna otra persona puede excluirlo del arreglo colectivo, nada le prohíbe a usted obtener asesoría de otro abogado o familiar para preparar o presentar la exclusión individual.

LOS ABOGADOS QUE LO REPRESENTAN

9. ¿Tengo un abogado en este caso?

El tribunal designó los siguientes estudios jurídicos para representarlo a usted y al resto de los miembros del grupo:

Terrell Marshall Law Group, PLLC, Burke Law Offices, LLC y Heaney Law Firm, LLC.

Todos estos abogados se conocen como Abogados del colectivo. No se le cobrará por separado por los servicios de estos abogados. Si usted quiere ser representado por su propio abogado, deberá contratarlo por cuenta propia.

Además, si lo desea, puede registrar una comparecencia en juicio por medio de su propio abogado, perono es necesario que lo haga. 10. ¿Cómo se pagará a los abogados y a los representantes de los grupos demandantes?

Los Abogados del colectivo le pedirán al tribunal que apruebe el pago de hasta $61,757 para compensar los honorarios por investigar los hechos, litigar el caso y negociar el arreglo, más las costas. Además, los Abogados del colectivo solicitarán una gratificación de $10,000 para la representante del grupo, como compensación por su tiempo y esfuerzo. El tribunal puede dar una cantidad menor. Estos pagos, junto con los gastos administrativos del arreglo, se deducirán del fondo de arreglo.

OBJETAR EL ARREGLO

Puede decirle al tribunal que no está de acuerdo con el arreglo o parte del mismo.

11. ¿Cómo le digo al tribunal que no considero que el arreglo sea justo?

Si es miembro del arreglo colectivo y no se excluyó por voluntad propia, puede objetar, ya sea parcial o totalmente, el arreglo; por ejemplo, si cree que este es injusto. Puede mencionar las razones por las que considera que el tribunal no debería aprobarlo. El tribunal revisará su punto de vista. Para objetar, debe presentar una declaración por escrito al tribunal con su manifestación de rechazar el arreglo propuesto en Snyder, et al. v. U.S. Bank, N.A., et al., caso N.° 1:16-cv-11675 (N.D. Ill.). Asegúrese de incluir su nombre completo, dirección, número de teléfono actual, número de teléfono celular al cual Ocwen le llamó, las razones por las que objeta el arreglo, y si tiene intenciones de comparecer en la audiencia de justicia por su cuenta o a través de un abogado.En todas las objeciones se identificará a cualquier abogado que le represente con respecto a su objeción y se proporcionará la dirección y el número de teléfono de dicho abogado, pero no tiene la obligación de contratar uno. Debe adjuntar a la objeción cualquier documento que desee que el tribunal considere, y su objeción también debe enviarse a los Abogados del colectivo y al abogado de Wilmington Trust. Su objeción al arreglo debe presentarse hasta el 16 de abril de 2020.

La objeción debe realizarse de la siguiente manera:


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Para la presentación:

Snyder, et al. v. U.S. Bank, N.A., et al.caso N.° 1:16-cv-11675Tribunal de Distrito Federal, Distrito Norte de Illinois, EE. UU.219 South Dearborn StreetChicago, IL 60604

Por correo:

Beth E. TerrellAdrienne D. McEnteeTerrell Marshall Law Group, PLLC936 N. 34th St., Suite 300Seattle, WA 98103

Alexander H. BurkeBurke Law Offices, LLC155 N. Michigan Ave., Suite 9020Chicago, IL 60601

Abogados para la parte demandante y arreglo colectivo

Terance A. GonsalvesALSTON & BIRD LLPOne Atlantic Center1201 West Peachtree Street, Suite 4900Atlanta, Georgia 30309

Abogados para la parte demandada

AUDIENCIA DE JUSTICIA

12. ¿Cuándo y dónde decidirá el tribunal si aprueba el arreglo?

El tribunal realizará una audiencia para decidir si aprueba el arreglo. La Audiencia de justicia se realizará el 18 de mayo de 2020 a las 9:30 a. m. en el Tribunal de Distrito Federal, Distrito Norte de Illinois, EE. UU., 219 S. Dearborn St., Chicago, Illinois 60604, en la sala 2103. Dicha audiencia puede ser aplazada o una fecha u horario diferente sin previo aviso, por lo que es recomendable que controle el sitio web de arreglo para conocer las novedades. En esta audiencia, el tribunal considerará si el arreglo es justo, razonable y apropiado, y si concederá los honorarios y costas legales, y un incentivo al representante del grupo según lo descrito anteriormente, y en qué cantidad. Si hay objeciones, el tribunal las considerará. En la audiencia o posteriormente, el tribunal decidirá si aprueba el arreglo. No sabemos cuánto le tomará al tribunal decretar. No tiene que asistir a esta audiencia, pero si lo hace será por cuenta propia. Sin embargo, se considerará que los miembros del arreglo colectivo que no objeten el arreglo de la manera descrita en la sección 11 han renunciado a toda objeción, no se les permitirá objetar las condiciones o la aprobación del arreglo en la Audiencia de aprobación final, y se les impedirá solicitar una revisión del arreglo o de sus condiciones por una medio de una apelación o de otro recurso.

13. ¿Puedo hablar en la audiencia?

Puede pedirle permiso al tribunal para hablar en la Audiencia de justicia. Para hacerlo, debe presentar una notificación al tribunal donde declare sus intenciones de comparecer en la Audiencia de justicia Snyder, et al. v. U.S. Bank, N.A., et al., caso N.° 1:16-cv-11675 (N.D. Ill.). Asegúrese de incluir su nombre completo, dirección y número de teléfono, así como también las copias de todo documento, anexo o cualquier otra prueba que pretenda presentar ante el tribunal. La notificación de su intención de comparecer debe presentarse antes del 16 de abril de 2020. Las copias de su notificación de intención de comparecer también deben presentarse a los abogados de la demandante y al grupo de arreglo colectivo, como así también a los abogados de la demandada a las direcciones consignadas anteriormente. Si se excluye del arreglo o si no presenta una notificación de intención de comparecer en tiempo, es posible que no se le permita hablar en la audiencia.


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SI NO HAGO NADA

14. ¿Qué pasa si no hago nada?

Si no hace nada y si es miembro del grupo, no recibirá un pago después de que el tribunal apruebe el arreglo y se resuelvan las apelaciones. Para obtener el pago, debe presentar una demanda. A menos de que se excluya, no podrá iniciar un juicio o continuarlo, ni ser parte de un juicio contra Wilmington Trust, con respecto las cuestiones legales de este caso.

OBTENER MÁS INFORMACIÓN

15. ¿Cómo obtengo más información?

En esta notificación se resume el arreglo propuesto. El Convenio del arreglo contiene más información. S desea obtener una copia del Convenio del Arreglo, llame al Administrador del arreglo a través de la línea gratuita (1-855-944-0047), escriba a: Wilmington Trust TCPA Settlement, c/o Postlethwaite & Netterville, PO Box 3137, Baton Rouge, LA 70821-3137, o bien visite el sitio web www.WilmingtonTCPASettlement.com, donde también encontrará respuestas a las preguntas comunes del arreglo, una demanda y demás información adicional para ayudarlo a determinar si es un miembro del grupo y si tiene derecho a percibir un pago.



Exhibit 4


Wilmington Trust TCPA Settlementc/o Postlethwaite & NettervillePO Box 3137Baton Rouge, LA 70821-3137

CLAIMANT INFORMATION (PLEASE PRINT)

First Name MILast NamePrimary Address (If non-US address, please submit your claim online)Primary Address ContinuedCity State Zip CodeCurrent Email Address

- - - -Current Phone Number Cell Phone Number At Which You Received A CallClaim ID Number, if available (provided on class notice)

/ /

Toll Free Number: 1-855-944-0047

Your Claim Form Must Be Submitted On Or Before 4/16/2020

TO RECEIVE BENEFITS FROM THIS SETTLEMENT, YOU MUST PROVIDE ALL OF THE INFORMATION BELOW AND YOU MUST SIGN THIS CLAIM FORM. THIS CLAIM FORM SHOULD ONLY BE USED IF A CLAIM IS BEING MAILED IN AND IS NOT BEING FILED ONLINE AT WWW.WILMINGTONTCPASETTLEMENT.COM.

For more information, visit www.WilmingtonTCPASettlement.com.

Snyder, et al. v. U.S. Bank, N.A., et al.United States District Court for the Northern District of IllinoisNo. 1:16-cv-11675

CERTIFICATION: By signing and submitting this Claim Form, I certify that I received a call from Ocwen on the above cell phone number between December 28, 2012 and December 3, 2019 and was the subscriber or regular user of the cell phone number.This Claim Form may be researched or verified by the Settlement Administrator.

CLAIM FORM

Signature:Date:

Para ver este en español, visite www.WilmingtonTCPASettlement.com.


Exhibit 5


Snyd

er, e

t al.

v. U

.S. B

ank,

N.A

., et

al.


Exhibit 6


8550 United Plaza Blvd., Ste. 1001 – Baton Rouge, LA 70809 225-922-4600 Office – 225-922-4611 Fax225-408-4794 Direct – [email protected]

pncpa.com

Page 1 of 3

December 5, 2019

By Certified Mail

Federal and State Officials as listed in Attachment 1

Re: NOTICE UNDER THE CLASS ACTION FAIRNESS ACT OF 2005, 28 U.S.C. § 1715(b), Snyder, et al. v. U.S. Bank, N.A., et al., No. 1:16-cv-11675 (N.D. Ill.)

Dear Sir or Madam:

I send this letter and the enclosed disc to you on behalf of the Parties to the action referenced above (the “Parties”) regarding Plaintiff’s Motion for Preliminary Approval of Class Action Settlement with Wilmington Trust filed on November 26, 2019, which was subsequently granted on December 3, 2019. This communication constitutes the notice required by the Class Action Fairness Act of 2005, 28 U.S.C. § 1715(b) (“CAFA”).

The proposed settlement resolves the class action lawsuit brought by Susan Mansanarez (“Plaintiff”) against Wilmington Trust, N.A. alleging that Wilmington Trust is liable under the Telephone Consumer Protection Act (“TCPA”), 47 U.S.C. § 227, for calls Ocwen Loan Servicing, LLC (“Ocwen”) made to cell phones on Wilmington Trust’s behalf using an automatic telephone dialing system without consent. Wilmington Trust denies it did anything wrong.

In accordance with 28 U.S.C. § 1715(b), the enclosed disc includes:

a. Exhibit 1: A copy of the Class Action Complaint filed on December 28, 2016;

b. Exhibit 2: A copy of Plaintiff’s Motion for Preliminary Approval of Class Action Settlement with Wilmington Trust filed on November 26, 2019;

c. Exhibit 3: A copy of the Settlement Agreement and Release with exhibits including the detailed and short form notice with exclusion rights, the Proposed Order (1) Conditionally Certifying a Settlement Class, (2) Preliminarily Approving Class Action Settlement, (3) Approving Notice Plan, and (4) Scheduling Final Approval Hearing, and the Proposed Order Granting Final Approval of Class Action Settlement and Dismissing Class Plaintiff’s Claims;

d. Exhibit 4: A copy of the Minute Entry Granting Preliminary Approval filed on December 3, 2019 (the signed Order was not available at the time this letter was sent).

e. Exhibit 5: Per 28 U.S.C. § 1715(b)(7), a list of estimated class members by state and their estimated proportionate share of claims per state. The determination of each class member’s state is an estimation based on the available information using the area code of the phone number provided in the class data file. It is estimated that the cash award payment will total approximately $30 per valid claim, but, at this time, it is not feasible to calculate the exact cash award per class member. The final cash payment amounts will depend on the total number of valid and timely claims submitted by all class members.

A Final Approval Hearing has been scheduled for April 20, 2020 at 9:30 a.m. at the United States District Court for the Northern District of Illinois, Eastern Division, 219 South Dearborn Street, Chicago, IL 60604 before the Honorable Matthew F. Kennelly.



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There are no other agreements between Class Counsel and counsel for Defendant, there are no final judgments in this matter, and there are no written judicial opinions relating to the materials described under 28 U.S.C. §§ 1715(b)(3)-(6).

Thank you for your attention to this matter. If you have any question about this notice or the enclosed materials, please contact us.

Sincerely,

Brandon Schwartz Postlethwaite & Netterville (Claims Administrator)

Enclosures

cc by email:

TERRELL MARSHALL LAW GROUP, PLLC Beth E. Terrell, Admitted Pro Hac Vice Email: [email protected] Adrienne D. McEntee, Admitted Pro Hac Vice Email: [email protected] 936 N. 34th St., Suite 300 Seattle, WA 98103 Telephone: 206.816.6603 Facsimile: 206.319.5450 BURKE LAW OFFICES, LLC Alexander H. Burke, #6281095 Email: [email protected] Daniel J. Marovitch, #6303897 Email: [email protected] 155 N. Michigan Ave., Suite 9020 Chicago, IL 60601 Telephone: 312.729.5288 Facsimile: 312.729.5289



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HEANEY LAW FIRM, LLC Mark L. Heaney Email: [email protected] 601 Carlson Parkway, Suite 1050 Minnetonka, MN 55305 Telephone: 952.933.9655

Attorneys for Plaintiffs ALSTON & BIRD LLP Kelsey L. Kingsbery Email: [email protected] Frank A. Hirsch, Jr., Admitted Pro Hac Vice Email: [email protected] Sarah R. Cansler, Admitted Pro Hac Vice Email: [email protected] 555 Fayetteville Street, Suite 600 Raleigh, North Carolina 27601 Telephone: (919) 862-2200 Facsimile: (919) 862-2260 ALSTON & BIRD LLP Terance A. Gonsalves Email: [email protected] David B. Carpenter, Admitted Pro Hac Vice Email: [email protected] One Atlantic Center 1201 West Peachtree Street, Suite 4900 Atlanta, Georgia 30309 Telephone: (404) 881-7000 Facsimile: (404) 881-7777 PILGRIM CHRISTAKIS LLP Anna-Katrina S. Christakis Email: [email protected] Jennifer L. Majewski Email: [email protected] 321 North Clark Street, 26th Floor Chicago, Illinois 60654 Telephone: (312) 939-0920 Attorneys for Defendant Wilmington Trust, N.A.
