The Court has preliminarily approved a class action settlement in the lawsuit Baugh, et al., v. The Federal Savings Bank, Civil Action No.: 1:17-cv-01735-SAG, pending in the U.S. District Court for the District of Maryland (the “Lawsuit”). If you were a borrower or co-borrower on a residential mortgage loan from The Federal Savings Bank (“TFSB”) that was closed by Genuine Title, LLC (“Genuine Title”) between January 1, 2009 and December 31, 2014, you may be eligible for benefits under the Settlement.

The TFSB Class includes all individuals in the United States who were borrowers on a federally related mortgage loan (as defined under the Real Estate Settlement Procedures Act, 12 U.S.C. § 2602) originated or brokered by The Federal Savings Bank for which Genuine Title provided a settlement service, as identified in Section 1100 on the HUD-1, between January 1, 2009 and December 31, 2014.

The TFSB Class is divided into two subclasses:
Subclass 1 is comprised of all TFSB Class Members whose federally related TFSB mortgage loan closed on or before May 22, 2013.
Subclass 2 is comprised of all TFSB Class Members whose federally related TFSB mortgage loan closed on or after May 23, 2013.

The TFSB Class does not include any person who, during the period of January 1, 2009 through December 31, 2014, was an employee, officer, member and/or agent of The Federal Savings Bank, Genuine Title LLC, Competitive Advantage Media Group, LLC, Brandon Glickstein, Inc., and/or Dog Days Marketing, LLC, any judicial officer who handles this case and the immediate family members of such judicial officer(s), or any person who submits a complete and valid Request for Exclusion by the Exclusion Deadline (defined below).

	Your Legal Rights and Options in this Class Action
IF YOU WISH TO REMAIN A SETTLEMENT CLASS MEMBER	SUBCLASS 1 TFSB CLASS MEMBERS NEED NOT MAKE A CLAIM. If the Court gives final approval to the Settlement and after all potential appeals are exhausted (if any are filed), Subclass 1 TFSB Class Members who do not opt-out will automatically be eligible to receive the Settlement Benefits (described below) under the Settlement without submitting a claim. SUBCLASS 2 TFSB CLASS MEMBERS MUST SUBMIT A CLAIM TO THE SETTLEMENT ADMINISTRATOR NO LATER THAN JUNE 10, 2024. If the Court gives final approval to the Settlement and after all potential appeals are exhausted (if any are filed), Subclass 2 Class Members must submit a valid claim to the Settlement Administrator to be eligible to receive a payment. The Claim Deadline for submission of Subclass 2 Claims is JUNE 10, 2024. Claim Forms can be found on the Court Documents page.
ASK TO BE EXCLUDED FROM THE SETTLEMENT	This is the only option that allows you to retain your rights to independently sue The Federal Savings Bank about the claims in this Lawsuit. In order to exclude yourself from the Settlement, you must follow the procedure described below and mail your Request for Exclusion to the Settlement Administrator at PO Box 201, Lightfoot, VA 23188-0201. The Exclusion Deadline for Requests for Exclusion to be mailed to the Settlement Administrator is JUNE 10, 2024.
OBJECT TO THE SETTLEMENT	If you do not file a Request for Exclusion, you may write to the Court about why you object to (i.e., don’t like) the Settlement and think it should not be approved. You must follow the procedure described below for objecting to the Settlement and file your written objection with the Court at U.S. District Court for the District of Maryland, Northern Division, 101 West Lombard Street, Baltimore, MD 21201. You must also mail copies of your written objection to Class Counsel, and Counsel for TFSB at these addresses: Class Counsel: Michael Paul Smith & Melissa English, Smith, Gildea & Schmidt, LLC, 600 Washington Ave, Suite 200, Towson, MD 21204 TFSB’s Counsel: Ari Karen, Mitchell Sandler LLC, 1120 20th St NW, Suite 725, Washington, DC 20036
GO TO THE AUGUST 26, 2024 HEARING	The Court will hold a “Final Fairness Hearing” to consider the Settlement, Class Counsel’s request for attorneys’ fees and expenses, and the Class Representatives’ request for service awards. You may, but are not required to, speak at the Final Fairness Hearing, if you have filed a timely written objection with the Court. If you intend to speak at the Final Fairness Hearing, you must include your intention to do so in your written objection. The Final Fairness Hearing will take place at 9:30 am on August 26, 2024 in Courtroom 7C of the United States Courthouse, 101 West Lombard St, Baltimore, MD 21201.