Preview
FILED: GREENE COUNTY CLERK 04/28/2022 05:16 PM INDEX NO. EF2021-647
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
AFFIDAVITOF FACTS AND SALEOF ACCOUNT BY ORIGINAL CREDITOR
(Debt Buyer Actions)
The undersigned, being duly sworn, deposes and says:
1. lamanemployeeofCreditOneBank,N.A.("CreditOneBank")andanauthorizedrepresentativeofitsaffiliates,as
describedintheSupplementalAffidavitattachedhereto(collectively,"OriginalCreditor"),andIhavepersonal
knowledgeof
andaccesstoOriginalCreditor'sbooksandrecords("BusinessRecords"),includingelectronicrecords,relatingtoapoolof
charged-offconsumercreditaccountssoldorassignedbyOriginalCreditortoShermanOriginatorHILLC("DebtBuyer"),
on12/17/2019(the"Sale"),whichincludedtheaccount("Account")oftheconsumer("Consumer")asidentifiedinthe
exhibitsattachedheretoandincorporatedberein.AspartoftheSale,OriginalCreditorassignedallofitsinterestinthe
Accounts,includingtherighttoanyproceedsfromtheAccounts,toDebtBuyer,andittransferredBusinessRecords
relatingtotheAccountstoDebtBuyer.AtrueandcorrectcopyofthebillofsaleorwrittenassignmentoftheAccountis
attachedasanexhibittothisaffidavit.
2. Inmyposition,IalsohavepersonalknowledgeofOriginalCreditor'sproceduresforcreatingandmaintainingits
BusinessRecords,includingitsproceduresrelatingtothesaleandassignmentofconsumercreditaccounts.Original
Creditor'sBusinessRecordsweremadeintheregularcourseofbusinessanditwastheregularcourseofsuchbusinessto
maketheBusinessRecords.TheBusinessRecords weremadeatornearthetimeoftheeventsrecorded.Basedonmy
knowledgeofOriginalCreditor'sBusinessRecords,Ihavepersonalknowledgeofthefactssetforthinthisaffidavit.
3. CreditOneBankandConsumerwerepartiestoacreditagreement("Agreement").Consumeragreedto payCreditOne
Bankforallgoods,servicesandcashadvancesprovidedpursuanttotheAgreement.Thedateandtheamountofthelast
payment,ifany,madebyConsumeraresetforthinanexhibitattachedheretoandmadeaparthereof.Consumerdefaulted
andademandforpaymentwasmadebyCreditOneBank.AtrueandcorrectcopyofadocumentprovidedtoConsumer
evidencingthe Agreementis attachedasanexhibit to this
afEdavit.
4. AtthetimeofSale,Consumerowedtheamountsetforthintheexhibitsattachedheretoandmadeaparthemof,which
alsosetforththenameoftheConsumer;thelastfourdigitsofthe Accountnumber;thedateandamountofthecharge-off
balance;thedateandamountofthelastpayment,ifany·thetotalamounts,ifapplicable,ofanypost-charge-offinterestand
post-chargeofffeesandcharges;anypost-charge-offereditsorpaymentsmadebyoronbehalfoftheConsumer;andthe
balancedueatthetimeoftheSale.Theabovestatementsaretrueandcorrecttothebestofmypersonalknowledge.
Employee of Cr it eBank,N.A.
Dated:
ACKNOWLEDGMENTOF SIGNATURE BY LICENSEDNOTARY
STATEOFNEVADA )
)ss.
COUNTYOFCLARK )
Thisinstrumentwasacknowledgedbeforemeonthe dayof )L/me/ t.---,20 y ,
Employee of CreditOne Bank, N.A.
No Public
IIIh IIIIIIllIlllH lilAl E1111151
688396475
Page: 1 of 7
JENNIFER HUI
NOTARY PUBLIC
STATE OF NEVADA
Appt. No. 16-2415-1
My Appt. Expires Mar. 02. 2024
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FILED: GREENE COUNTY CLERK 04/28/2022 05:16 PM INDEX NO. EF2021-647
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
CERTIFICATE OF CONFORMITY
STATE OF NV
CITY OF LAS VEGAS
The undersigned does hereby certifythathe/she is an attorneyat lawduly admitted to practice
in theState ofNV
and is a resident
of Las Vegas, inthe StateofNevada; thathe/she is a persondulyqualified to make thiscertificate
of conformity pursuant to thelaws of theState ofNV; thatthe foregoing acknowledgment by CrystalOfford named
inthe foregoing instrument taken before JenniferHui notary inthe Stateof NV was taken inthe manner prescribed
by such laws of theState ofNV, being the Stateinwhich it wastaken;and that it
duly conforms with such laws and
is in all
respects valid and effectiveinsuch state.
March 4, 2022
Date Timothy J. Bellamy e
Nevada StateBar # 14973C
Credit One Bank, N.A.
6801 S. Cimmaron Rd
Las Vegas, NV 89113
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FILED: GREENE COUNTY CLERK 04/28/2022 05:16 PM INDEX NO. EF2021-647
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
SUPPLEMENTALAFFIDAVITOFFACTSANDSALEOFACCOUNTBYORIGINAL
CREDITOR
(Debt Buyer Actions)
Stateof:Nevada
Countyof:Clark
AccountHolder:AntoinetteOReilly
SocialSecurityNo:XXX-XX-5920
OriginalCreditorAccountNo:XXXXXXXXXXXX0819
Cryslal0Abid ,beingduly sworn, deposes andsays:
1. lamoverl8andnotapartytothisaction.IamanemployeeofCreditOneBank,N.A.("CreditOne").Inthatcapacity,I
haveaccesstocertainbusinessrecordsofCreditOne.Iamawareoftheprocessofthesaleandassignmentof
electronicallystored business records of Credit One.
2. IamanauthorizedrepresentativeofFNBM,LLC("FNBM"),andanauthorizedrepresentativeofMHCReceivables,LLC
("MHC")andhavebeendulyauthorizedbybothentitiestomakethestatementsandrepresentationsincludedinthisaffidavit.
Thestatementssetforthhereinaretrueandcorrect,basedoneitherpersonalknowledgeorreviewofthebusinessrecords,
or both,ofoneormoreofCreditOne,MHC,orFNBM.
3. CreditOneoriginatesconsumercreditcardaccounts("Accounts")andisentitledtoallamountsdueundersuchAccounts
("Receivables")fromthetimetheReceivableiscreateduntilsuchrightsaresoldortransferred.AtalltimesthatCreditOne,
orMHC,orFNBMownsanyAccountorReceivable,CreditOneservicessuchAccountsandReceivableswhetherinitsown
right,orasanagentofMHCorofFNBM.Suchservicingincludesmaintainingandrecordinginformationrelatedtothe
andownershipofsuchaccountsandReceivables("BusinessRecords")whether
origination,servicing,transactionhistory,
suchBusinessRecordsrelatetoCreditOne,toMHC,ortoFNBM.ItisintheregularcourseofbusinessofCreditOnefor
anemployeeorrepresentativewithpersonalknowledgeoftheact,event,condition,oropinionrecordedtoberecordedin
theBusinessRecordsto:(i)makememorandumorrecords;or(ii)totransmitinformationthereoftobeincludedinsuch
memorandumorrecords;and(iii)thattherecordsbemadeatornearthetimeoftheactand/oreventrecordedorreasonably
soonthereafter.
4. AsanauthorizedrepresentativeofMHC,andofFNBM,mydutiesincludehavingknowledgeof,andaccessto,business
recordsrelatingtotheAccountsandReceivablesownedbyMHCandFNBM,respectively.TheserecordsincludeBusiness
RecordsreceivedfromCreditOne,asthebusinessrecordsofCreditOne,andincorporatedandmaintainedbyMHCandby
FNBMasthebusinessrecordsofMHCandFNBM,respectively.
5. SuchBusinessRecordsincludethosemaintainedbyoronbehalfofCreditOne,ofMHCandofFNBMintheordinary
courseofitsbusinesswithregardtothesaleandassignmentofCreditOne,0fMHC,andofFNBM'sAccountsand
Receivables.
6. Fromtimetotime,CreditOnetransferscertainBusinessRecordstoMHCandtoFNBMrelatedtotheAccountsand
ReceivablesservicedbyCreditOne.TheseBusinessRecordsaretransmittedtoFNBMandtoMHCinthenormalcourseof
CreditOne'sbusiness.BothFNBMandMHCaccepttheseBusinessRecordsasthebusinessrecordsofCreditOneand
incorporatedtheseBusinessRecordsintotheirown.
7. ForsuchBusinessRecords,itwasintheregularcourseofMHCandFNBM'sbusinessforanemployeeorrepresentative
withpersonalknowledgeoftheact,event,condition,oropinionrecordedto:(i)makememorandumorrecords;or(ii)to
transmitinfonnationthereoftobeincludedinsuchmemorandumorrecords;and(iii)thattherecordsbemadeatornearthe
timeoftheactand/oreventrecordedorreasonablysoonthereafter.
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FILED: GREENE COUNTY CLERK 04/28/2022 05:16 PM INDEX NO. EF2021-647
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
8. TheBusinessRecordsindicatethataccountXXXXXXXXXXXX0819(the"Account")wasopenedbyCreditOneon
12/13/2017(the"OriginationDate")inthenameofAntoinetteOReillywithaSocialSecurityNumberwiththelastfour
digitsendingin5920(the"Consumer").
9. UnderthetermsandconditionsoftheAccount,theConsumeragreedtopayCreditOneforallgoods,services,andcash
advancesprovidedpursuantthetermsandconditionsoftheAccount.AsshownintheBusinessRecords,theConsumer
failedtomakeallthepaymentsasrequiredbythetermsandconditionsoftheAccount.Underthetermsandconditionsof
theAccountreferencedbytheBusinessRecords,thefullbalanceundertheAccountwaschargedoffonll/26/2019witha
balanceimmediatelydueandowingof$1,568.38.
10. Onorabout12/17/2019(the"SaleDate"),M‰CandFNBM,asapplicable,soldapoolofcharged-offaccountsandtheir
associatedreceivablestoShermanOriginatormLLC("DebtBuyer").TheAccountwasincludedwithinthepoolsoldto
DebtBuyerontheSaleDate.IamnotawareofanyerrorsintheBusinessRecords,accountdocuments,oranyother
documentevidencingtheownershipandstatusoftheAccount.
11. FortheperiodfromtheOriginationDatetotheSaleDate,CreditOne,intheregularcourseofbusiness,causedperiodic
billingstatementstobedeliveredeachmonthtotheConsumer,unlesssuchstatementswerenotrequiredbylaw.Such
statementswereatrueandaccuratereflectionoftheBusinessRecordsandweresenteachmonthfromthedatetheAccount
wasopeneduntiltheSaleDate(otherthanwherenostatementmayhavebeenrequiredbylaw).
12. TheBusinessRecordsofCreditOneindicatethatasofthedatetheAccountwassold,therewasdueandpayableonthe
Accountof$1,568.38.Therecordsindicatethattberewerenouncreditedpaymentsagainstsuchamountatthetimeofsale.
13. TheBusinessRecordsofCreditOneindicatethatthelastpaymentreceivedontheAccountpriortotheSaleDatewas
postedtotheAccounton04/20/2019intheamountof$64.95.Theunpaidbalancedoesnotincludeanyinterestorfeesof
anykindaccruedorotherwisetotheCustomeraftertheCharge-offDate.
14. Pursuanttothe sale,bothMHCandFNBM,asapplicable,sold,transferred,assigned,conveyed,granted,bargained,setover
anddeliveredtoDebtBuyeranditssuccessorsandassigns,goodandmarketabletitletotheAccountandallassociated
unpaidReceivablesfreeandclearofanyencumbrance,lien,pledge,charge,claimorsecurityinterest.
15. InconnectionwiththesaleoftheAccount,BusinessRecords,includingbutnotlimitedtoelectNniccopiesofbilling
statements,weretransferredtoorotherwisemadeavailabletotheDebtBuyer(the"TransferredRecords").TheTransferred
RecordswerekeptbyCreditOne,MHC,and/orFNBMintheregularcourseofbusiness,anditwasintheregularcourseof
businessforanemployeeorrepresentativewithpersonalknowledgeoftheact,event,condition,oropinionrecorded:(i)
makememorandumorrecords;or(ii)totransmitinformationthereoftobeincludedinsuchmemorandumorrecords;and
(iii)thattherecordsbemadeatornearthetimeoftheactand/oreventrecordedorreasonablysoonthereafter.Tothe
extentthattheTransferredRecordsincluderecordsthatwerepreparedbyathirdparty,includingbutnotlimitedtoany
creditcardassociation,theyarerecordsthatwereincorporatedintotherecordsofCreditOne,MHC,and/orFNBMasa
businessrecordandtheaccuracyofsuchrecordsarerelieduponbyCreditOne,MHC,and/orFNBMintheregularcourse
ofbusiness.TherelevantBusinessRecordspertainingtotheAccountdescribedaboutisherebyattachedandmadeapart
hereof.
Theremainderofthepageis intentionallyleftblank.
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NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
16. The above statementsare true
to the best
of my knowledge.
e of , 20
C
Employee of Credit
One Bank, N.A.
AuthorizedRepresentativeof MHC Receivables,LLC
AuthorizedRepresentativeof FNBM, LLC
ACKNOWLEDGMENT OF SIGNATURE BY LICENSED NOTARY
STKIE OF NEVADA )
)ss.
COUNTY OF CLARK )
This instrument
Authorized
was acknowledged
Representativeof
before
FNBM,
me on the
LLC, Authorized
day of Nd
Representativeof MHC
20s_¾y
Receivables,LLC,
GRretal 0lford
and Employee of Credit
,
One Bank, N.A.
o Public
JENN1FER HUI
NOTARY PU.BUC
NEVADA
STATE OF
tes 0 , 2024
Page: 5 of7
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FILED: GREENE COUNTY CLERK 04/28/2022 05:16 PM INDEX NO. EF2021-647
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
CERTIFICATE OF CONFORMITY
STATE OF NV
CITY OF LAS VEGAS
The undersigned does hereby certifythathe/she is an attorneyat lawduly admitted to practice
in the Stateof NV
and is a resident
of Las Vegas, inthe StateofNevada; thathe/she is a personduly qualifiedtomake thiscertificate
of conformity pursuant to thelaws of theState ofNV; thatthe foregoing acknowledgment by CrystalOfford named
in theforegoing instrument taken before JenniferHui notary inthe Stateof NV was taken inthe manner prescribed
by such laws of theState ofNV, being the Stateinwhich itwas taken;and thatitdulyconforms with such laws and
is inallrespectsvalidand effectiveinsuch state.
March 4, 2022
Date Timothy J. Bellamy
Nevada StateBar # 14973C
Credit One Bank, N.A.
6801 S. Cimmaron Rd
Las Vegas, NV 89113
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FILED: GREENE COUNTY CLERK 04/28/2022 05:16 PM INDEX NO. EF2021-647
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
. .
Original Creditor Seller Data Sheet
Orig. Creditor Acet Number: XXXXXXXXXXXX0819
Orig.Creditor Cross RefNumber 34954070
Account OpenDate: 12/13/2017
Charge-off Amount: $1,568.38
Charge-off Date: 11/26/2019
ConsumerLastfourdigitsofSSN: XXX-XX-5920
Consumer FirstName: Antoinette
Consumer MiddleName:
ConsumerLastName: OReilly
Consumer Suffix:
Consumer Residence Addrs 1: 87 Maple Ave
Consumer Residence Addrs2:
Consumer City: Greenville
Consumer State: NY
Consumer Zip Code: 12083
Post-Charge-off Interest:
Post-Charge-off
Fees: $.00
Post-Charge-offCreditsor Payments Made: $.00
Last Payment Amount: $64.95
Last Payment Date: 04/20/2019
Balance Due attime of Sale: $1,568.38
Page.7of7
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FILED: GREENE COUNTY CLERK 04/28/2022 05:16 PM INDEX NO. EF2021-647
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
BILL OF SALE AND ASSIGNMENT OF ACCOUNTS
FROM CREDIT ONE BANK, N.A. TO MHC RECElVABLES, LLC
As ofNovember 30,2019,, for good and valuable the
consideration, receiptand sufficiencyof which is
hereby acknowledged, Credit One Bank, N.A. ("Assignor") has transferred,
has sold,has assigned,
has conveyed, has
grantedand has otherwise deliveredto MHC Receivables,LLC ("Assignee"),allofAssignor's title
right, and interest
in and to (i) thecharged-off credit card accounts identifiedon an account levelbasis in the data filenamed
CreditOne-LegalRecall_122019 (the"Computer a copy
File"), ofwhich is attachedheretoand incorporatedherein
by referenceas "ExhibitA"; and, (ii)certain
relatedaccount levelmedia or electroniccopiesthereof but
(including,
not limitedtoapplications,statements,termsand condition),and all
(iii) claimsor rightsarisingout ofor relating
to
each account referencedon the Computer File the "Accounts")
hereinafter,
(collectively including,butnot limitedto,
allclaims and rights
afforded each Account by virtueofthatAccount's corresponding terms and conditions.
The Accounts transferredunder the terms of thisBillof Sale and Assignment of Accounts were each
transferred
to Assigneeimmediately followingcharge offforeach applicable
Account, as shown in the Computer File.
With respectto informationfor the Accounts,Assignor and warrants
represents to Assignee thatthe business
recordsconveyed to Assignee relatingto:(i)the Accounts issued by Assignor;and (ii)the saleand assignment of
Accounts by Assignor the "Business
(collectively, Records"), are kept
by Assignor in the regular
course ofits business.
Itis inthe regularcourse of business of Assignor foran employee or an authorizedrepresentative withpersonal
knowledge of the act,event,condition,or opinion "Event")
(collectively to be recorded,to make the appropriate
memorandum or recordingof the Eventat or reasonably
near the timeof the EventFurthermore, Assignor represents
and warrantsto Assignee thatthe BusinessRecords complete
are materially and accurate,and thoroughlyembody the
information in Assignor's custody and control forthe Accounts from theircreationuntil the time oftransferto
Assignee. These representationsand warrantiesare intendedto augment any otherrepresentations
and warrantiesthe
partiesmay have in placeand not supplantany otherexistingwarrantiesand representations.
This Bill of Sale and Assignment of Accounts shallserve as evidence of ownership for theAccounts
conveyed hereby and shallserve asan acknowledgment, as and
ratification, asevidence ofthe intentofthe parties
to
transferthe Accounts.
CREDIT ONE BANK, N.A.
H od
Vice President
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FILED: GREENE COUNTY CLERK 04/28/2022 05:16 PM INDEX NO. EF2021-647
NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
EXHIBIT A
ACCOUNT SCHEDULE
The Accounts that identified
are specifically in the electronic
file
named CreditOne_LegalRecall-122019 with
such electronic
fileincorporatedherein by reference.
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BILL OF SALE AND ASSIGNMENT OF RECEIVABLES
FROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES, LLC
As ofNovember 30,2019, forgood and valuableconsideration,the receiptand sufficiencyof which is
hereby acknowledged, Credit One Bank, N.A. ("Assignor")has transferred, has assigned,
has sold, has conveyed, has
grantedand has otherwisedelivered to MHC Receivables,LLC ("Assignee"),allofAssignor's title
right, and interest
in and to (i) the receivables associated with each and every account referenced in the data file named
CreditOne_LegalReeall-122019 (the"Computer File"),a copyofwhich hereto
is attached and incorporatedherein
by reference as"Exhibit A"; and,(ii)allclaims or rightsarisingout of orrelatingto each of those Receivables
the "Receivables").
(hereinafter,
The Receivables transferredunder the termsof thisBillof Saleand Assignment of Receivables were each
transferred
to Assignee priorto the chargeoffofthe associatedaccounts,as shown in the ComputerFile.This Billof
Sale and Assignment of Receivables evidencesthe intent
between the parties
for of
the transfer the Receivables,
acts
as an acknowledgement ofthose transfers,and, to the extent
necessary,ratification
ofthe transfers.
With respectto information forthe Receivables,Assignor representsand warrants to Assignee that the
businessrecords conveyed toAssignee relatingto the Receivables
(the "BusinessRecords"), are keptby Assignor in
the regular
course of its
business.Itis in the regular
course ofbusinessof Assignor foran employee or an authorized
with
representative personalknowledge of the act, event,
condition,oropinion "Event")
(collectively tobe recorded,
to make the appropriatememorandum or recording of theEvent at or reasonably near the time of the Event.
Purthermore, Assignor representsand warrants to Assignee thatthe BusinessRecords arematerially complete and
accurate,and thoroughly embody the information inAssignor's custody and controlforthe Receivables from their
creationuntilthe timeoftransferto Assignee,These representations
and warrantiesare intendedto augment any other
representationsand warranties the partiesmay have in place and not supplantany other existingwarranties and
representations.
This Billof Saleand Assignment of Receivablesshallserve as evidenceof ownership for theReceivables
conveyed hereby and shallserve as an acknowledgment, and as evidence
as ratification, ofthe intentofthe parties
to
transferthe Receivables.
CR DIT ONE BANK, N.A.
Gary Hafrwood
Vice President
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NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
EXHIBIT A
ACCOUNT SCHEDULE
The Accounts thatare identified
specifically in the electronic
filenamed CreditOne-LegalRecaR_122019 with
such electronic
fileincorporatedherein by reference.
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BILL OF SALE AND ASSIGNMENT OF RECEIVABLES
FROM MHC RECE1VABLES, LLC, TO FNBM, LLC
As of December 17,2019, MHC Receivables,LLC ("Assignor"), forgood and valuableconsideration,the
receiptand sufficiencyof which ishereby acknowledged, has periodically has
transferred, sold, has assigned,has
conveyed, has grantedand has otherwisedeliveredto FNBM, LLC, ("Assignee")allof its
rights,title
and interest
in
and to(i)the receivables and
identified specificallyreferencedforeach of the accountson an accountlevelbasis on
A"
the datafiletitled
CreditOne_LegalRecall-122019 attachedhereto and incorporatedby eference as "Exhibit ;
all
and (ii) claims or rights
arisingout ofor relating
to the accountlevelreceivables(hereinafter
the"Receivables").
With respectto information for the Receivables,Assignor representsand warrants toAssignee thatthe
businessrecords conveyed to Assignee relatingto the Receivables
(the"Business Records"),are kept byAssignor in
the regularcourseof itsbusiness.It is
in the regular
courseof businessof Assignorfor an employee or an authorized
representativewithpersonal knowledge ofthe act, event,
condition,or opinion "Event")
(collectively to be recorded,
to make the appropriatememorandum or recording of the Event at or reasonably near the time of the Event.
Furthermore, Assignor representsand warrants to Assignee thatthe BusinessRecords am materiallycomplete and
accurate,and thoroughly embody the informationin Assignor's custodyand control forthe Receivables from their
creationuntilthe time
of transferto Assignee.These and warranties
representations are intendedto augment anyother
representationsand warranties the partiesmay have in place and not supplantany other existingwarranties and
representations.
This BillofSale and Assignment ofReceivables shallserveas an acknowledgment, as ratification,
and as evidence
of the intent
ofthe parties
to transfer
the ReleasedReceivables referencedherein.
MHC Receivables, LLC
Mark Rufail,Authorized Representative
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EXHIBIT A
ACCOUNT SCHEDULE
The Accounts that are specifically
identifiedin the electronic
filenamed CreditOne_LegalRecan-122019 , with
such electronic
fileincorporatedherein by reference.
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BILL OF SALE AND ASSIGNMENT OF RECEIVABLES
FROM FNBM, LLC, TO SHERMAN ORIGINATOR HI LLC
On December 17, 2019,FNBM, LLC ("Assignor"),for goodand valuableconsideration,the receipt
ofwhich
is herebyacknowledged, hereby sells,
transfers, assigns,conveys, grantsand delivers
to Sherman Originator IIILLC
("Assignee"),allof its title
rights, and interest
in and to (i) identified
the receivables and specificallyreferencedfor
each of the accounts
on an accountlevelbasison the data file
titledCreditOne-LegalReeall_122019 attachedhereto
and incorporatedby referenceas "Exhibit A";and (ii)allclaimsor rights
arisingout ofor relatingto the
receivables
(hereinafterthe"Receivables").
With respectto information for theReceivables, Assignor representsand warrantsto Assignee thatthe
businessrecords to
relating the Receivables(the"Business Records")are keptby Assignor in the regular
courseof its
business.Itis inthe regularcourse of business ofAssignor foran employee oran authorized representativewith
personal knowledge of the act,event, condition,or opinion "Event")
(collectively to be recorded, to make the
appropriatememorandum or recording at or reasonably
near the time
ofthe Event. Furthermore, Assignor represents
and warrantsto Assignee thatthe BusinessRecords are materially
complete and accurateand thoroughly embody the
information in Assignor's
custody and controlfor theReceivables from Assignor'sreceiptofthose Receivables until
the time of transferto Assignee. These representationsand warranties are intended to augment any other
representationsand warranties the partiesmay have inplace and not supplant any other existingwarranties and
representations.
This Billof Sale and Assignment of Receivables shallserve as evidence of ownership for any of the
Receivables conveyed hereby.
FNBM, LLC
Jon Mazz , Authoriz epresentative
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NYSCEF DOC. NO. 7 RECEIVED NYSCEF: 04/28/2022
EXHIBIT A
ACCOUNT SCHEDULE
The Accounts thatare specifically
identifiedinthe electronic
filename CreditOne_LegalRecall-122019 , with
such electronic
fileincorporatedherein by reference.
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BILL OF SALE AND ASSIGNMENT OF ACCOUNTS
FROM MHC RECEIVABIES, LLC TO SMERMAN ORIGINATOK m LLC
On December 17, 2019, forgood and valuableconsideration,the re