Preview
TOHTTh
Summary of Account Activit
Account Stateme:
‘Send Notice of Bling Errore ard Customer Service Inquliesto
Payment Information
Previous Balance $712.89 || New Balance $752.63
Payments -$0.00_| l vinimum Payment Due $82
Gther Credits 30.00 _| T payment Due Date August 28, 2014
urchases .
Late Payment Warning: If we do not receive your minimum payment by th
date listed above, you may have to pay alate fee up to $35.
Minimum Payment Warning: If you make only the minimum payment eac!
New Balance
Statement Closing Date
Next Statement Closing Date 09/03/2014
period, you will pay more in interest and it will take you I r to pay Off yout
lance, For
r example:
a
nt
My Best Buy © cusomersense: RMGTe Cato
y . y Ey Aecount Inquiries: Sitch iO: ame 7
Credit Card cel 1-288-620-5879 Ace
h
Ir
nly the minimum payment
Myou would ike Information about credit counseling services, da 4-877-337-8188,
Days in Billing Cycle
New York residents may contact the New York State Department of Financial Services by telephone, 1-800-242-3736, or visit its
You must pay your promotional balance of $44.53 in full by 12/30/14 to avoid paying defetred Interest: charges.
‘You must pay your promotional balance of $457.28 in full by 02/19/15 to avoid paying deferred interest chalges.
POBOX 790443
ST.LOUIS, MO 63178
‘Statement Enclosed
DANIEL PAWILCZ
150 RUBY LN
STRATFORD, CT 08614-2037
for free information on comparative credit card rates, fees and grace periods,
This Acc
thyour payment to Insure proper credit. Retain upper portion for your 1
WMI WUULA
Payment Due Date
New Balance
Past Due Amountt
easy to manage your account at
BestBuy.AccountOnline.com.,
‘TPast Due Amountis included in
Please print address change:
Make Checks Payable tow
BEST BUY CREDIT SERVICES
PO BOX 183195
COLUMBUS, OH 49218-3195
website, www.cis.ny.gTOHTTh
Information About Your Account.
How to Avald Paying Interest on Purchases, Your payment due date Is
at least 25 days after the close of each billing cycle. We will not charge you
any interest on purchases if yau pay your New Balance by the payment
due date each month. This is called a grace period on purchases. If you do
not pay the New Balance in full by the payment due date, you will not get
a grace period on purchases until you pay the New Balance In full for two
billing cycles in a row.
If you have a balance subject to a deferred interest promotion or if your
statement shows a Waived Interest Charge promotion and that promotion
does not expire before the payment due date, that balance (an "excluded
balance") is excluded fromthe amount you must pay in full to get a
grace period on a purchase balance other than an excluded balance. In
addition, if you have a reduced rate credit plan, that balance (an “excluded
balance") Is excluded from the amount you must pay in full to get a. grace
period on a purchase balance other than an excluded balance. However,
you must still pay any separately required payment on the excluded
balance. In billing cycles in which payments are allocated to deferred
interest balances first, the deferred interest balance will be reduced
before any other balance on the account. However, you will continue to get
agrace period on purchases, other than an excluded balance, so long as
you pay the New Balance (less any excluded balance, plus any separately
+ required payment on an excluded balance) in full by the payment due date
each billing cycle. Deferred interest offers may also be called Same As
Cash or No Interest.
In addition, certain promotional offers not described above may also allow
‘you to have a grace period on purchases without having to pay all ora
portion of the promotional balance by the payment due date. If that Is the
case, the promotional offer will describe what happens,
* How We Calculate Your Balance Subject to Interest Rate. We use a
daily balance method (including current transactions) te calculate interest
charges. To find out more information about the balance computation
method and how the resulting interest charges were determined, contact
us at the Account Inquiries number on the front.
Other Account and Payment Information.
Payment Amount. You may pay all or part of your account balance at
any time. However, you must pay, by the payment due date, at least the
minimum payment due,
When Your Payment Will Be Credited. If we receive your payment in
proper form at our processing facility by 5 p.m. local time there, it will
becredited as of that day. A payment received there In proper form
after that time will be credited as of the next day. Allow 5 to 7 days for
payments by regular mail to reach us. There may be a delay of up to
5 days In crediting a payment we receive that is not in proper form or
is not sent to the correct address. The correct address for regular malt
is the address on the front of the payment coupon. The correct address
for courier or express mail is the Express Mail Address shown in the
Express Mall section.
PLEASE SEE IMPORTANT INFORMATION ON PAGE 4
Page 201 4
Change of Address
Please print address changes in blue or black ink.
NM cele) s3
=} me aS
co) aI Ye). {=a _—_\
Pay your credit card bill online at
BestBuy.AccountOniine.com or at any Best Buy*store.
Proper Form. For a payment sent by mail or courier to be in proper fort
you must:
+ Enelose a valld check or money order. No cast, gift cards,
or forelgn currency please. . .
* Include your name and the last four digits of your account number.
Payment Other Than By Mall.
* In-Store (Where Available). Any payment In proper form accepted
inrstore will be credited as of that day. Hi r, credit availability
may be subject to verification of funds. Not all stores accept payments.
Contact your focal store to see if In-store payi d at
that location.
Onflne. Go to the URL on Page 1 of your state! ‘to make
For security reasons, you may not be able to pay your entire New
Balance the first time you make a payment online. The payment cutof!
time for Online Bill Payments Is midnight Eastern ti is
we will credit your account as of the calendar day, based on|Eastern
time, that we receive your payment request.
AutoPay. Sign up at Account Online to have payment amount
automatically deducted each month from the account you choose.
‘Your card account will be credited on the due date with that amount.
Phone. Call-the phone number on Page 1 of your statementito make
& payment. We may process your payment elet ically after we .
verify your identity. The payment cutoff time for Phone Payments is .
midnight Eastern time. This means that we will credit your dccount
as of the calendar day, based on Eastern time, that we receive your
payment request.
Express Mall, Send payment by courier or express mail to:
Department, 1500 Boltonfield Street, Columbus, OH 4322!
must be recelved in proper form at-the properjaddress by 5 p.m,
Eastern time to be credited as of that day. All payments receit
proper form at the proper address after that time will be credited as
of the next day,
If you send an eligible check with this payment’
us to complete your payment by electronic de
account will be debited In the amount on the
‘soon as the day we receive the check. Also, th
ents are a
BBY PLCA GIT OCT13 4220hTTh
Account: *** ****** 4114
TRANSACTIONS
‘Trans Date Description Reference @ ‘Amount
FEES
07728 TATE FEE S 35.00
TOTAL FEESFORTHISPERIOD $ 35.00
INTEREST CHARGED. .
8/03 INTEREST CHARGE ON PURCHASES: $ 474
‘TOTAL INTEREST FOR THIS PERIOD s 474
Total Fees Charged in 2014 $285.00
Total Interest Charged in 2014 $15.82
CHa ae A, PPR, lg ERG, BST ca
rans romotion In jotion lon
PROMOTIONS Amount__Date. Balance _ Credits _C! Balance mote Charges Date
No INT WIPYMTS FOR 18 $510.44 06/21/13 $44.63. - - $44.53 - $62.85 12/30/14
NO INT WPYMTS FOR 18 $457.28 08/11/13 $457.28 - - $457.28 - $128.40 © O2HONE
Mog _
tage Rate (APR) isthe annuat inlorost rate on your account,
e Subject torinterest Rate. argos:
REGULAR
NO INT W/PYMTS FOR 18 MOS.
NO INT W/PYMTS FOR 18 MOS
{V) = Variabla Rate
~egntth
Credit Reporting Disputes. if you think we reported inaccurate
information to a credit bureau write us at the Customer Service address
shown on Page 1.
Report a Lost or Stofen Card Immediately. Cail the Account Inquiries
number shown on Page 1.
What To Do if You Find A Mistake On Your Statement
Jf you think there is an error on your statement, write to us at the
address for billing errors and customer service inquiries shown on
Page ! of your statement.
In your letter, give us the following information:
* Account information: Your name and account number.
+ Dollar amount: The dollar amount of the suspected error,
* Description of problem: If you think there is an error on your bill,
describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
+ Within 60 days after the error appeared on your statement.
* Atleast 3 business days before an automated payment is scheduled,
if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us,
but If you do we are not required to investigate any potential errors and
you may have to pay the amount In question,
What Will Happen After We Recelve Your Letter
When we recelve your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that
we received your letter. We will also tell you if we have already
corrected the error.
2. Within 90 days of recelving your letter, we must elther correct
the error or explain to you why we believe the bill Is correct.
While we Investigate whether or not there has been an error:
We cannot try to collect the amount in question,
or report you as delinquent on that amount.
The charge in question may remain on your statement,
and we may continue to charge you interest on that amount,
While you do not have to pay the amount in question,
you are responsible for the remainder of your balance.
‘We can apply any unpaid amount against your credit limit.
ct
TOAST?-HN-9038-7001-000 1-008 1680764-CE.0-D-0801119-4469-P-1--7.-00-10108/13-YDUBauly3, 2014-00-
PLEASE SEE IMPORTANT INFORMATION ON PAGE 2
Page 4 of 4
After we finish our Investigation, one of two things will happen:
» If we made a mistake: You will not have to pay the amount in question:
or any Interest or other fees related to that arnount.
If we do not believe there was a mistake: You will have to pay the
amount in question, along with applicable interest and fe:
send you a statement of the amount you owe and the date|payment
is due, We may then report you as delinquent jf you do not pay the
amount we think you owe.
If you recelve our explanation but still believe your bill is wrong, you
must write to us within 10 days telling us that you still retuse to pay.
If you do so, we cannot report you as delinquent|without also|reporting |:
If we do nat follow all of the rules above, you do not have to pay the
first $50 of the amount you question even if your bill is correct,”
Your Rights if You Are Dissatisfied With Your
If you are dissatisfied with the goods or servi
with your credit card, and you have trled In gor
problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase.
To use this right, all of the following must be tru
1, The purchase must have been made in your home state or|within 100)
miles of your current mailing address, and the purchase price must.
have been more than $50. (Note: Neither of these are necessary if
your purchase was based on an advertisement we mailed to you, or
if we own the company that sold you the gone ‘or service:
2. You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that accesses,
your credit card account do not qualify,
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us In writing at the address for billing errojs and
customer service Inquiries shown on Page 1 of yo ur statement.
While we investigate, the same rules apply to: the disputed amount as
discussed above. After we finish our investigation, we will telllyou our
decision. At that point, if we think you owe an amount and yott do not
pay, we may report you as delinquent.
BBY PL CA CIT OCT13 14Contract ID: ACIBBIFM043014
Document ID; 091114AC1BB1FMB1
B IGNMENT
THIS BILL OF SALE AND ASSIGNMENT, dated September 24, 2014, is by Citibank, N.A., a
national banking association organized under the laws of the United States, located at 701 East
60th Street North, Sioux Falls, SD 57117 (the "Bank") to Atlantic Credit & Finance Special
Finance Unit, LLC, organized under the laws of the Commonwealth of Virginia, with its
headquarters/principal place of business at 3353 Orange Avenue, Roanoke, VA 24012 ("Buyer").
For value received and subject to the terms and conditions of the Purchase and Sale Agreement
dated April 30, 2014, between Buyer and the Bank (the "Agreement"), the Bank does hereby
transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's
successors and assigns, the Accounts described in Exhibit 1 and the final electronic file.
Citibank, N.A.
Z
By: Go
(Signature)
Name: Patricia Hall
Title: Financial Account Manager
Atlantic 043014
Exhibit BBILL OF SALE
FOR GOOD AND VALUABLE CONSIDERATION, the receipt and sufficiency of
which are hereby acknowledged, ATLANTIC CREDIT & FINANCE SPECIAL FINANCE
UNIT, LLC, a Virginia limited liability company (“Seller”), hereby sells, assigns, fers,
conveys and delivers to MIDLAND FUNDING LLC, a Delaware limited liability company
- “Buyer”), all rights, title and interests in and to each and every one of the purchased accounts
described in the purchased accounts files identified on Schedule A, attached herety and
incorporated by this reference (“Purchased Accounts”).
To the best of Seller’s knowledge and belief, all of the information contained in the files
for the Purchased Accounts, Seller’s chain of title file, and Seller’s accounts information, is and
shall be true, complete, accurate and not misleading in any material respect. Further, all of the
information contained in the files for the Purchased Accounts, Seller's chain of title file, and
Seller’s accounts information (a) constitutes Seller’s own business records regarding the
Purchased Accounts; and (b) accurately reflects in all material respects the information about the
purchased accounts in Seller’s possession. All of the files for the Purchased Accounts, Seller’s ©
chain of title file, and Seller’s accounts information have been kept in the regular coutse of
Seller’s business, and were made or compiled at or near the time of the event and recorded yy (or
from information transmitted by) a person (i) with knowledge of the data entered into and
maintained in Seller’s business records, or (ii) who caused the data to be entered into and
maintained in Seller’s business records. It is the regular practice of Seller’s business to maintain
and compile such data.
IN WITNESS WHEREOF, the parties hereto have executed this Bill of Sale as of October 13,
2014,
ATLANTIC CREDIT & FINANCE SPECIAL
FINANCE UNIT, LLC,
a Virginia limited liability company
Name:
Title:
Buyer hereby accepts and agrees to all matters set forth herein.
Approved by Legal
CHI 651691923Field Field Data .
Original Account Number a.
Original Lender Name CITIBANK, N.A.
SSN
DoB
LastName PAWILCZ
FirstName DANIEL
Address1 150 RUBY LN
City STRATFORD
State cT
Zip 06614-2037
HomePhone 2033759764
Open Date 06/21/2013
Charge Off Date 08/04/2014 |
Charge Off Balance 752.63
Sale Amount 752.63
Last Payment Amount 100.00
Last Payment Date 12/04/2013
Data printed by Midland Credit Management, Inc. from electronic records provided by Atlantic Credit & Finance Special
Finance Unit, LLC pursuant to the Bill of Sale / Assignment of Accounts transferred on or about 10/13/2014 in connection
with the sale of accounts from Atlantic Credit & Finance Special Finance Unit, LLC to Midland Funding, LLC.
Preview
TOHTTh Summary of Account Activit Account Stateme: ‘Send Notice of Bling Errore ard Customer Service Inquliesto Payment Information Previous Balance $712.89 || New Balance $752.63 Payments -$0.00_| l vinimum Payment Due $82 Gther Credits 30.00 _| T payment Due Date August 28, 2014 urchases . Late Payment Warning: If we do not receive your minimum payment by th date listed above, you may have to pay alate fee up to $35. Minimum Payment Warning: If you make only the minimum payment eac! New Balance Statement Closing Date Next Statement Closing Date 09/03/2014 period, you will pay more in interest and it will take you I r to pay Off yout lance, For r example: a nt My Best Buy © cusomersense: RMGTe Cato y . y Ey Aecount Inquiries: Sitch iO: ame 7 Credit Card cel 1-288-620-5879 Ace h Ir nly the minimum payment Myou would ike Information about credit counseling services, da 4-877-337-8188, Days in Billing Cycle New York residents may contact the New York State Department of Financial Services by telephone, 1-800-242-3736, or visit its You must pay your promotional balance of $44.53 in full by 12/30/14 to avoid paying defetred Interest: charges. ‘You must pay your promotional balance of $457.28 in full by 02/19/15 to avoid paying deferred interest chalges. POBOX 790443 ST.LOUIS, MO 63178 ‘Statement Enclosed DANIEL PAWILCZ 150 RUBY LN STRATFORD, CT 08614-2037 for free information on comparative credit card rates, fees and grace periods, This Acc thyour payment to Insure proper credit. Retain upper portion for your 1 WMI WUULA Payment Due Date New Balance Past Due Amountt easy to manage your account at BestBuy.AccountOnline.com., ‘TPast Due Amountis included in Please print address change: Make Checks Payable tow BEST BUY CREDIT SERVICES PO BOX 183195 COLUMBUS, OH 49218-3195 website, www.cis.ny.gTOHTTh Information About Your Account. How to Avald Paying Interest on Purchases, Your payment due date Is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if yau pay your New Balance by the payment due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance In full for two billing cycles in a row. If you have a balance subject to a deferred interest promotion or if your statement shows a Waived Interest Charge promotion and that promotion does not expire before the payment due date, that balance (an "excluded balance") is excluded fromthe amount you must pay in full to get a grace period on a purchase balance other than an excluded balance. In addition, if you have a reduced rate credit plan, that balance (an “excluded balance") Is excluded from the amount you must pay in full to get a. grace period on a purchase balance other than an excluded balance. However, you must still pay any separately required payment on the excluded balance. In billing cycles in which payments are allocated to deferred interest balances first, the deferred interest balance will be reduced before any other balance on the account. However, you will continue to get agrace period on purchases, other than an excluded balance, so long as you pay the New Balance (less any excluded balance, plus any separately + required payment on an excluded balance) in full by the payment due date each billing cycle. Deferred interest offers may also be called Same As Cash or No Interest. In addition, certain promotional offers not described above may also allow ‘you to have a grace period on purchases without having to pay all ora portion of the promotional balance by the payment due date. If that Is the case, the promotional offer will describe what happens, * How We Calculate Your Balance Subject to Interest Rate. We use a daily balance method (including current transactions) te calculate interest charges. To find out more information about the balance computation method and how the resulting interest charges were determined, contact us at the Account Inquiries number on the front. Other Account and Payment Information. Payment Amount. You may pay all or part of your account balance at any time. However, you must pay, by the payment due date, at least the minimum payment due, When Your Payment Will Be Credited. If we receive your payment in proper form at our processing facility by 5 p.m. local time there, it will becredited as of that day. A payment received there In proper form after that time will be credited as of the next day. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days In crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular malt is the address on the front of the payment coupon. The correct address for courier or express mail is the Express Mail Address shown in the Express Mall section. PLEASE SEE IMPORTANT INFORMATION ON PAGE 4 Page 201 4 Change of Address Please print address changes in blue or black ink. NM cele) s3 =} me aS co) aI Ye). {=a _—_\ Pay your credit card bill online at BestBuy.AccountOniine.com or at any Best Buy*store. Proper Form. For a payment sent by mail or courier to be in proper fort you must: + Enelose a valld check or money order. No cast, gift cards, or forelgn currency please. . . * Include your name and the last four digits of your account number. Payment Other Than By Mall. * In-Store (Where Available). Any payment In proper form accepted inrstore will be credited as of that day. Hi r, credit availability may be subject to verification of funds. Not all stores accept payments. Contact your focal store to see if In-store payi d at that location. Onflne. Go to the URL on Page 1 of your state! ‘to make For security reasons, you may not be able to pay your entire New Balance the first time you make a payment online. The payment cutof! time for Online Bill Payments Is midnight Eastern ti is we will credit your account as of the calendar day, based on|Eastern time, that we receive your payment request. AutoPay. Sign up at Account Online to have payment amount automatically deducted each month from the account you choose. ‘Your card account will be credited on the due date with that amount. Phone. Call-the phone number on Page 1 of your statementito make & payment. We may process your payment elet ically after we . verify your identity. The payment cutoff time for Phone Payments is . midnight Eastern time. This means that we will credit your dccount as of the calendar day, based on Eastern time, that we receive your payment request. Express Mall, Send payment by courier or express mail to: Department, 1500 Boltonfield Street, Columbus, OH 4322! must be recelved in proper form at-the properjaddress by 5 p.m, Eastern time to be credited as of that day. All payments receit proper form at the proper address after that time will be credited as of the next day, If you send an eligible check with this payment’ us to complete your payment by electronic de account will be debited In the amount on the ‘soon as the day we receive the check. Also, th ents are a BBY PLCA GIT OCT13 4220hTTh Account: *** ****** 4114 TRANSACTIONS ‘Trans Date Description Reference @ ‘Amount FEES 07728 TATE FEE S 35.00 TOTAL FEESFORTHISPERIOD $ 35.00 INTEREST CHARGED. . 8/03 INTEREST CHARGE ON PURCHASES: $ 474 ‘TOTAL INTEREST FOR THIS PERIOD s 474 Total Fees Charged in 2014 $285.00 Total Interest Charged in 2014 $15.82 CHa ae A, PPR, lg ERG, BST ca rans romotion In jotion lon PROMOTIONS Amount__Date. Balance _ Credits _C! Balance mote Charges Date No INT WIPYMTS FOR 18 $510.44 06/21/13 $44.63. - - $44.53 - $62.85 12/30/14 NO INT WPYMTS FOR 18 $457.28 08/11/13 $457.28 - - $457.28 - $128.40 © O2HONE Mog _ tage Rate (APR) isthe annuat inlorost rate on your account, e Subject torinterest Rate. argos: REGULAR NO INT W/PYMTS FOR 18 MOS. NO INT W/PYMTS FOR 18 MOS {V) = Variabla Rate ~egntth Credit Reporting Disputes. if you think we reported inaccurate information to a credit bureau write us at the Customer Service address shown on Page 1. Report a Lost or Stofen Card Immediately. Cail the Account Inquiries number shown on Page 1. What To Do if You Find A Mistake On Your Statement Jf you think there is an error on your statement, write to us at the address for billing errors and customer service inquiries shown on Page ! of your statement. In your letter, give us the following information: * Account information: Your name and account number. + Dollar amount: The dollar amount of the suspected error, * Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: + Within 60 days after the error appeared on your statement. * Atleast 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but If you do we are not required to investigate any potential errors and you may have to pay the amount In question, What Will Happen After We Recelve Your Letter When we recelve your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of recelving your letter, we must elther correct the error or explain to you why we believe the bill Is correct. While we Investigate whether or not there has been an error: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount, While you do not have to pay the amount in question, you are responsible for the remainder of your balance. ‘We can apply any unpaid amount against your credit limit. ct TOAST?-HN-9038-7001-000 1-008 1680764-CE.0-D-0801119-4469-P-1--7.-00-10108/13-YDUBauly3, 2014-00- PLEASE SEE IMPORTANT INFORMATION ON PAGE 2 Page 4 of 4 After we finish our Investigation, one of two things will happen: » If we made a mistake: You will not have to pay the amount in question: or any Interest or other fees related to that arnount. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fe: send you a statement of the amount you owe and the date|payment is due, We may then report you as delinquent jf you do not pay the amount we think you owe. If you recelve our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still retuse to pay. If you do so, we cannot report you as delinquent|without also|reporting |: If we do nat follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct,” Your Rights if You Are Dissatisfied With Your If you are dissatisfied with the goods or servi with your credit card, and you have trled In gor problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be tru 1, The purchase must have been made in your home state or|within 100) miles of your current mailing address, and the purchase price must. have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the gone ‘or service: 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses, your credit card account do not qualify, 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us In writing at the address for billing errojs and customer service Inquiries shown on Page 1 of yo ur statement. While we investigate, the same rules apply to: the disputed amount as discussed above. After we finish our investigation, we will telllyou our decision. At that point, if we think you owe an amount and yott do not pay, we may report you as delinquent. BBY PL CA CIT OCT13 14Contract ID: ACIBBIFM043014 Document ID; 091114AC1BB1FMB1 B IGNMENT THIS BILL OF SALE AND ASSIGNMENT, dated September 24, 2014, is by Citibank, N.A., a national banking association organized under the laws of the United States, located at 701 East 60th Street North, Sioux Falls, SD 57117 (the "Bank") to Atlantic Credit & Finance Special Finance Unit, LLC, organized under the laws of the Commonwealth of Virginia, with its headquarters/principal place of business at 3353 Orange Avenue, Roanoke, VA 24012 ("Buyer"). For value received and subject to the terms and conditions of the Purchase and Sale Agreement dated April 30, 2014, between Buyer and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts described in Exhibit 1 and the final electronic file. Citibank, N.A. Z By: Go (Signature) Name: Patricia Hall Title: Financial Account Manager Atlantic 043014 Exhibit BBILL OF SALE FOR GOOD AND VALUABLE CONSIDERATION, the receipt and sufficiency of which are hereby acknowledged, ATLANTIC CREDIT & FINANCE SPECIAL FINANCE UNIT, LLC, a Virginia limited liability company (“Seller”), hereby sells, assigns, fers, conveys and delivers to MIDLAND FUNDING LLC, a Delaware limited liability company - “Buyer”), all rights, title and interests in and to each and every one of the purchased accounts described in the purchased accounts files identified on Schedule A, attached herety and incorporated by this reference (“Purchased Accounts”). To the best of Seller’s knowledge and belief, all of the information contained in the files for the Purchased Accounts, Seller’s chain of title file, and Seller’s accounts information, is and shall be true, complete, accurate and not misleading in any material respect. Further, all of the information contained in the files for the Purchased Accounts, Seller's chain of title file, and Seller’s accounts information (a) constitutes Seller’s own business records regarding the Purchased Accounts; and (b) accurately reflects in all material respects the information about the purchased accounts in Seller’s possession. All of the files for the Purchased Accounts, Seller’s © chain of title file, and Seller’s accounts information have been kept in the regular coutse of Seller’s business, and were made or compiled at or near the time of the event and recorded yy (or from information transmitted by) a person (i) with knowledge of the data entered into and maintained in Seller’s business records, or (ii) who caused the data to be entered into and maintained in Seller’s business records. It is the regular practice of Seller’s business to maintain and compile such data. IN WITNESS WHEREOF, the parties hereto have executed this Bill of Sale as of October 13, 2014, ATLANTIC CREDIT & FINANCE SPECIAL FINANCE UNIT, LLC, a Virginia limited liability company Name: Title: Buyer hereby accepts and agrees to all matters set forth herein. Approved by Legal CHI 651691923Field Field Data . Original Account Number a. Original Lender Name CITIBANK, N.A. SSN DoB LastName PAWILCZ FirstName DANIEL Address1 150 RUBY LN City STRATFORD State cT Zip 06614-2037 HomePhone 2033759764 Open Date 06/21/2013 Charge Off Date 08/04/2014 | Charge Off Balance 752.63 Sale Amount 752.63 Last Payment Amount 100.00 Last Payment Date 12/04/2013 Data printed by Midland Credit Management, Inc. from electronic records provided by Atlantic Credit & Finance Special Finance Unit, LLC pursuant to the Bill of Sale / Assignment of Accounts transferred on or about 10/13/2014 in connection with the sale of accounts from Atlantic Credit & Finance Special Finance Unit, LLC to Midland Funding, LLC.