In The American Arbitration Association

Laverne Jones, Stacey Ness And Kerry Ness, Claimants

v.
Case No.: 11 181 00295 05
Genus Credit Management Corporation, et al., Respondents.

LEGAL NOTICE OF PENDENCY OF CLASS ARBITRATION

Your Rights May Be Affected By How You Respond Or Fail To Respond To This Notice.
If You Enrolled In A Debt Management Plan With Genus Credit Management, You
May Be A Member Of A Class Action Pending In The American Arbitration Association.
An Arbitrator has approved this notice. This is Not a Solicitation from a Lawyer.
This Notice Is Not An Expression Of Any Opinion As To The Merits Of Any Claim Or Defense Asserted In The Arbitration.

What Is The Case About?

Claimants Laverne Jones, Stacey Ness and Kerry Ness filed an arbitration action against Respondents Genus Credit Manage-
ment Corp. (Genus), North Seattle Community College Foundation (NSCCF), American Financial Solutions (AFS), InCharge
Institute of America, Inc., Amerix Corporation, 3C Inc., FreedomPoint Corp., FreedomPoint Financial Corp., Ascend One
Corp. and Bernaldo Dancel. The Complaint alleges that Respondents were directly or indirectly participating in debt man-
agement and/or credit counseling operations or were affiliated with companies who did so engage, and alleges violations
of consumer protection laws based on allegedly false and misleading statements about Debt Management Plans or Pro-
grams (DMPs) created, advertised, administered or serviced by any of the Respondents, including the DMP benefits and
claims that DMPs improve credit, credit ratings, credit histories or credit scores without providing required disclosures.
The arbitration seeks monetary and injunctive relief. Respondents believe that they acted lawfully at all times, deny that
they violated any laws or did anything wrong and contend that they are not liable to Claimants or the Class.
The name of the Arbitrator is Donald H. Green, Esq., an attorney employed at the law firm of Pepper Hamilton LLP.

Why Did I Get This Notice?

This Notice is to advise you that a Class has been certified as to all of the above named Respondents. The Arbitrator has
directed that you receive this Notice because you are a member of the Class defined below.

Who Is In The Class?

On May 7, 2009, the Arbitrator certified a class of persons with claims under the Credit Repair Organizations Act, the
Racketeer Influenced and Corrupt Organizations Act, and the Maryland Consumer Protection Act. The “Class” is defined
as follows:
All persons in the United States and its territories who, within the time allowed under the statutes of limitation
relevant to the claims certified above, enrolled in a Debt Management Plan or similar program created, adver-
tised, administered or serviced by Respondents or any of them, or any entity sharing common ownership with
any Respondent, provided those persons have entered into contracts with arbitration provisions similar to or
the same as those entered into by the named class representatives.
Some of the Respondents appealed the Arbitrator’s decision to certify the above class and have requested a federal court
to exclude from this arbitration claims under the Maryland Consumer Protection Act. Depending on how the federal court
decides the issue, your rights under that claim may be affected.

Who Represents The Class?

The Arbitrator designated the firms of G. Oliver Koppell & Associates, Whalen & Tusa, P.C., and Jack Sando, Esq. (collec-
tively “Class Counsel”) to represent the Class. You will not be charged by Class Counsel. The Arbitrator may award Class
Counsel a fee from a future financial recovery payable to the Class.

What Are My Legal Options And Rights?

1. To Do Nothing. If you want to remain in the Class, you do not need to do anything at this time. If you do nothing, you
will continue to be a member of the Class for the claims being prosecuted against all Respondents, except that claims
against NSCCF/AFS will be dismissed and released if the Settlement discussed below is approved. You will be bound by
the result of the arbitration, whether the result is favorable or unfavorable. Any judgment in this arbitration will apply
to you and your rights may be affected.
2. T
 o Stay In Arbitration, But Not Be Represented By Class Counsel. You can elect to be part of this arbitration, but not
be represented by Class Counsel, and instead, either represent yourself or have your own lawyer represent you. If you
choose this option, you will need to affirmatively enter an appearance in the arbitration and you will be responsible for
paying your own lawyer’s fees and costs.
3. T
 o Exclude Yourself From This Arbitration. You have the option to exclude yourself from this arbitration. If you exclude
yourself from the arbitration, (a) you will not be bound by the result of this arbitration against any Respondent, (b) you
will not be eligible to participate in future settlements or judgments, and (c) you will retain any claims you may have
against all Respondents, regardless of the outcome of this arbitration.
To request exclusion, you must send a letter requesting to be “excluded” from the “Entire Arbitration” to the Administra-
tor (address listed below). Requests for exclusion must be mailed by May 19, 2010 to be valid and must include your
full name, address, and signature.
Notice Of Settlement With Respondent NSCCF/AFS
On January 8, 2010, the Claimants on behalf of the Class and Respondent NSCCF and its division AFS, entered into a settle-
ment that, if approved by the Arbitrator, will result in the arbitration being dismissed as to only those Respondents. The
arbitration would continue as to all other Respondents. The terms of the proposed settlement are contained in a Settle-
ment Agreement, which is available at www.jonesarbitrationsettlement.com. If you received this Notice by e-mail or mail
you are not eligible to participate in the Settlement, because Respondents’ records show that you did not do business
with NSCCF/AFS. If you believe you did do business with NSCCF/AFS, please notify the Administrator. Even though you
are not eligible to participate in the settlement with NSCCF/AFS, you are still a member of the Class and your claims in this
arbitration will continue against all non-settling Respondents.
How Can I Obtain More Information?
For more information about this arbitration you may call the Administrator toll-free at (888) 308-4791, visit the Administra-
tor’s website at www.jonesarbitrationsettlement.com, visit the AAA’s website at www.adr.org/sp.asp?id=29365, or contact
Class Counsel. Please do not contact the AAA or the Arbitrator.
What Is The Administrator’s Mailing Address?
Exclusion requests and other questions should be mailed to the Administrator at: Jones Arbitration Settlement, c/o Strategic
Claims Services, 600 N. Jackson Street, Suite 3, Media, PA 19063.

Jones Arbitration Settlement

First Class Mail
c/o Strategic Claims Services U.S. POSTAGE
600 N. Jackson Street, Suite 3 PAID
Media, PA 19063 Permit No. 138
Philadelphia, Pa

First Class Mail

Please Forward—Important Legal Notice