Important Notice Regarding C+ Loans

On March 28, 2018, Freedom Financial Asset Management, LLC (“FFAM”) and Cross River Bank (“Bank”)
entered into separate consent orders with the Federal Deposit Insurance Corporation (“FDIC”).  The
consent orders found that FFAM and the Bank had failed to disclose to consumers that, with respect
to debts settled by Freedom Debt Relief for consumers in the Consolidation Plus® (“C+”) loan
program, their participation might, in some cases, be necessary.  The FDIC also found violations of
other consumer lending laws.  The consent orders provide for restitution of fees paid  in
connection with the settlement of accounts that were negotiated, in whole or in part, by “eligible
consumers,” as that term is defined in the consent orders.  The consent orders may be found at
https://www.fdic.gov/news/news/press/2018/pr18021.html.

You are eligible for a refund if you have, or had, a C+ loan and:

-     negotiated, in whole or in part, the settlement of one or more of your enrolled debts;

-     you were charged interest for any period beyond the maximum payment term set forth in your C+ 
loan agreement; or

-     your debts were not settled within 45 or 90 days (as applicable) from the date of your 
signing your C+ loan agreement.

This website notice has been posted on December 17, 2018.  It is currently anticipated that 
restitution payments will commence on December 17, 2018.  Each check evidencing a restitution 
payment will be valid for 90 days from the date of issuance; for checks not cashed in such 90-day 
period, the restitution amount will be retained by FFAM and may be claimed by any Eligible Consumer 
for a period of 360 days from the mailing date of such check. For consumers who do not cash the 
check within 90 days but have an open C+ account, such consumers will receive a credit to their 
account.

If you are eligible for relief you are not required to take any action to receive the refund to 
which you are entitled.

You can check your eligibility for relief or provide updated contact information by contacting FFAM 
at:

Freedom Financial Network Restitution c/o JND Legal Administration

PO Box 91345

Seattle, WA 98111

Toll Free: (833) 747-6668

E-mail: info@freedomfinancialnetworkrestitution.com