Preview
STATE OF CONNECTICUT
MIDLAND CREDIT MANAGEMENT, INC,
Plaintiff
-Vs- AFFIDAVIT OF RANDY SOLTIS
KEVIN FERRY,
Defendant(s).
Randy Soltis, whose business address is 600 W. Saint Germain St Suite 200, St. Cloud,
MN 56301-3616, certifies and says:
1 Iam employed as a Legal Specialist and have access to pertinent records for Midland
Credit Management, Inc. ("Plaintiff' or "MCM"). I am a competent person over eighteen.
years of age, and make the statements herein based upon personal knowledge of those
account records maintained by Plaintiff. Plaintiff is the current owner of, and was assigned
all the rights, title and interest to Defendant's CREDIT ONE BANK, N.A. account
XXXXXXXXXXXX8484 (hereinafter "the Account").
2 T have access to and have reviewed the electronic records pertaining to the Account
maintained by MCM and am authorized to make this affidavit on MCM's behalf. The
electronic records reviewed consist of (i) data and records acquired from the seller or assignor
when MCM purchased or was assigned the Account, which were incorporated into MCM's
business records upon purchase or assignment, and (ii) data and records generated by MCM
jn connection with servicing the Account since the date the Account was purchased by or was
assigned to MCM. In addition, I reviewed the documents that are attached to this affidavit.
3 Tam familiar with and trained on the manner and method by which MCM creates
and maintains its business records pertaining to the Account, which consist of (i) data and
documents acquired from the seller or assignor, and (ii) subsequent collection and/or servicing
activities by MCM. The records are acquired or created, and are kept in the regular course of
MCM's business. It was in the regular course of MCM's business for a person with knowledge
of the subsequent collection and/or servicing activities recorded, and a business duty to report,
AFFIDAVIT OF RANDY SOLTIS - 1
HOY we IAC IONOHE IA
RECATTA
to make the record or data compilation, or to transmit information thereof to be included in
such record, or for such information to be posted in MCM's records by a computer or similar
digital means. In the regular course of MCM's business, the record or compilation of the
subsequent collection activities is made at or near the time of the act or event by MCM as a
regular practice.
4 The accuracy of such records is relied upon by Plaintiff in collecting this Account. These
records are trustworthy and relied upon because the original creditor was required to keep
careful records of the Account at issue in this case as required by law and/or suffer business
loss.
5 MCM's records show that this action is based upon a credit agreement between
Defendant(s) and the original creditor. MCM's records further show that Defendant(s) used or
authorized the use of the credit Account but failed to make the payments due pursuant to the
agreement.
6. MCM's records show that the Account was opened on 2018-03-05 and charged off on
2022-11-28 with a balance of $2,402.59. On or about 2022-12-27, Plaintiff purchased and
was assigned the balance owed by Defendant of $2,402.59. As of 2024-01-17, MCM's records
show that the balance of $2,402.59 remains due and owing and no interest has been assessed
to the Account. Therefore, Plaintiff seeks the amount of $2,402.59 from Defendant. All credits
and offsets for payments have been applied to the balance.
7 MCM's records shows that the last payment posted to the Account on 2022-04-29.
8 The complete chain of title including CREDIT ONE BANK, N.A., the original creditor,
and all post-charge-off purchasers/assignees of the debt are as follows:
1 2022-11-28 CREDIT ONE BANK,N.A. P.O, BOX 98873,LAS VEGAS,NV89193
2. 2022-12-16 MHC Receivables, LLC 6807 S. CIMARRON RD,Las
Vegas,NV,89113
3 2022-12-27 CREDIT ASSET SALES 200 MEETING STREET,SUITE
LLC 206, CHARLESTON, SC,29401
AFFIDAVIT OF RANDY SOLTIS - 2
aoe HAC
CATTA! nna
Midland Credit Management, 350 CAMINO DE LA REINA,SUITE
Inc. 100,SAN DIEGO,CA,92108
9 Attached hereto are the following records regarding the Account:
Exhibit A. Statement(s) (including statement(s) reflecting the charge-off balance, and
recording the last purchase transaction, service billed, payment, or balance
transfer) and an additional statement sent to Defendant(s) while the Account
was active, which shows the Defendant's name and address
Exhibit B. Bill(s) of Sale, Assignment and/or Affidavit(s) of Sale
Exhibit C. Seller data sheet reflecting the individual Account information from the
electronic records provided by the seller or assignor pursuant to the Bill(s)
of Sale, Assignment(s) and/or Affidavit(s) of Sale in connection with the
ale or assignment of the Account to Plaintiff
10. The documents attached hereto are true and correct copies of the originals, being a
reproduction of Plaintiff's records, based upon my review, except to the extent that confidential
and privileged information and/or personal identifying information is omitted or redacted as
required by local rules, and applicable state and federal law.
i. If called to testify as a witness thereon, I could and would competently testify as to all
the facts stated herein.
Left Blank Intentionally
AFFIDAVIT OF RANDY SOLTIS - 3
CTEM . AATEC A INE AN
I certify under penalty of perjury that the foregoing statements are true and correct.
FEB 0 5 2028
Date
Randy Soltis
STATE OF MINNESOTA
COUNTY OF STEARNS
FEB 0 5 2024
Signed and sworn to (or affirmed) before me on
by Randy Soltis.
MARGARET WaTZKE Notary Public j
muUckl
NOTARY PUBLIC- MINNESOTA
My Com Jat
CTI
AFFIDAVIT OF RANDY SOLTIS - 4
MOANAa KOA IAA
CREDIT ONE BANK CREDIT CARD STATEMENT
‘Account Number
October 28, 2022 to November27, 2022
‘SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION
Previous Balance $2,317.53, New Balance 32,402.59
Payments 30.00 Past Due Amount $720.00
Other Credits 30.00 ‘Amount Due This Period 34,721.59
Purchases 30.00 Minimum Payment Due $2,402.58
Balance Transfers $0.00 Paymont Due Dato 1212322
Cash Advances $0.00 Late Payment Warning:
Fees Charged $39.00 itwe do: {Calvo your minimum paymentby the date listed above,
Interest Charged $46.06 ‘you may hava to pay a isto fee up to $39.
New Batance $2,402.59 ‘Minium Payment Warning’
Credit Limit $1950.00 {you make oniy the minimum payment each period, you will pay more
Available Credit In interest and il wil take you longer to pay off your bafancs.
Statement Closing Date wera For example,
Days in Billing Cycle you make no ‘You will pay off the ‘And you wit
cit balance shown on. ‘end up paying ©
‘QUESTIONS? using this eard and the statementin ‘an estimated
Call Customer Service or Report ‘each month you pay. about. twial of.
a Lost or Stolen Credit Card 1-877-825-3242 (Only the eninimum
Outside the U.S. Catt 4-702-405-2042 1 month(s) $2,403.00
Please send billing inquiries and correspondence to: AT you would Uke @ location for credit counseling services, col
P.O. Box 98873, Las Vegas, NV 89193-6873 1-866-515-5720. Or you may visit wer justice goviusifist-
cradit-counseling-agenciss-epproved-pursuanle11-use-111.
‘TRANSACTIONS:
amor a. a ow
Number Trans Bale “Post ition of Transaction oF Credit
~ Payments, Credits, and Agjustments
Fees
iat 11727 LATE FEE 39.00
we TOTAL FEES FOR THIS PERIOD Ds 39.00
ae . me
interest Charged
i 127 , 11/27 Interest Charge on Purchases 46.08
1027 . /.1127 Interest Charge on Cash Advances 0.00
TOTAL INTEREST FOR THIS PERIOD 46.06
REVARTESANDIE 2022 Totals Year-to-Date
Total fees charged in 2022 $329.95
Total interest charged in 2022 $412.39
‘Your account is curently closed,
NOTICE OF CHANGE IN TERMS TO YOUR REWARDS PROGRAM SUPPLEMENT
Efiective 0:01/2023, Cash Back Rewards will be based on
Net Eligible Purchases made with your Account from the first
day to the last dayof that month. All other terms in your
Rewards Program Supplement remain unchanged. Please keep a
‘copy of this document with your Card Agreement.
INTEREST CHARGE CALCULATION
‘Your Annwal Percentage Rate (APR) is the annual interest rate on your account.
Balance Subject to
Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge
Purchases 26.99%(v) $2,047.94 $46.06
Cash Advances 26.99%(v) $0.00 $0.00
(¥) = Veriable Rate
sons aH oor yo, mua 0 GXPAGE tort 20 srr 320 AZM O1GOSES
Please rue ins ponton wih you paymant and wrk your account number On yonr chock, mac payeblew CREDIT ONE BANK.
PAY YOUR BILL ONLINE at CreditOneBank.com
P.O, BOX 98873 ‘Account Number: jeaad.
Credit
AWK LAS VEGAS, NV 89193-6673, New Balance: $2,402.59
Minimum Payment Due: $2,402.59
For address, fephore and il changes, Payment Due Date: 12/23/22
please complete the zev sid
‘01, update your contact information
online
at wow. CreaitOneBank com, AMOUNT ENCLOSED: 5
Att, eo ANe FOAL DUCTAL1 U1 TH
‘CREDIT ONE BANK KEVIN FERRY
PO BOX 80500 321 BEACH RO
CITY OF INDUSTRY CA 91716-0500 WOLCOTT CT 06716-1627
Leola 1 Hat 1 Hale
0000000 0240259 0240259 NNN 454 4
EXHIBIT A
CREDIT ONE BANK CREDIT CARD STATEMENT
‘Account Number|
‘April 28, 2022 to May 27, 2022
‘SUMMARY OF ACCOUNT ACTIVITY © PAYMENT INFORMATION 7
Previous Balance $1,058.57 New Bi nce 91,914.67
Payments 39.00 Past Due Amount $84.00
Other Credits, $0.55 Amount Que This Period $124.00
Purchases $0.00 Minimum Payment Que $208.00
Balance Transfers, $0.00 Payment Due Date ogr23i22
Cash Advances 30.00 Late Payment Warning:
Fees Char $28.00 we do net receive your minimum payment by the date stad sbovs,
Interest Charged $36.86 you may have lo pay w lt 8 v9 10 $98.
New Balance $1,914.87 Minimum Payment Waning:
Credit Limit 51.850. 09 Ifyou make ‘nly tho minimum payment each period, yob will pay more
In interest and 1 wil take you longor to pay off your balanca.
Available Credit 10
Statement Closing Date 05/27/22 For axampl
Days in Billing Cycle 30 you make no ‘You will pay off ‘And you wal
addtionat charges balance shown on end up paying :
QUESTIONS? sing Ins card and he statement ‘an astimated
‘Call Customer Service or Report ‘each moath you pay. aout. total of.
a Lost or Stolen Credit Card 1-977-825-3242 Only the minim
Outside the U.S. Call 4-702-405-2042 payment an $2,910.00
Please send biling inquiries and correspondence to:
P.O, Box 98873, Las Vegas, NV 89193-8673 $7800 3 years $2,713.00
(Savings= $197.00)
{Ifyou would Uke a location for credit counseling sorvicss, call
14865-515-5720. Or yeu may visit wre jstice.govlusifist-
credit-counsaling-agencies approved pursuant-{1-use-117,
TRANSACTIONS
~ .
win nae ones ea ohne ete
Reference Number Trans Date Posi Date.
Descripton of fransaction
or Crack ‘Amauat
F572700G5000FR, Oarae CREDIT ONE REWARD CREDIT LAS VEGA
04128 O55
CREDIT
7407193G800XTMJRP- 04/29 0429
PAYMENT - MOBILE APP LAS VEGAS. av 8.00
z Fees. 7
ie 0527 ave Fee 28.00
TOTAL FEES FOR THIS PERIOD 28.00
interest Charged
05127 5/27 Interest Charge on Purchases 36.86 |
05/27 05/27 Interest Cherge on Cash Advances 0.00
TOTAL INTEREST FOR THIS PERIOD 36.86
2022 Totals Ye to-Date
Total fees charged in 2022 $95.95
Total interest charged in 2022 $158.67
MISSING A PAYMENT CAN HAPPEN BUT GETTING ON
TRACK |S EASY PLEASE PAY ONLINE, ON THE MOSILE
APP, BY MAIL, OR CALL (888) 729-6274 SET UP
ALERTS TO REMIND YOU ABOUT PAYMENTS ONLINE OR
ON QUR MOBILE APP.
7 INTEREST CHARGE CALCULATION *
Your Annual Percentage Rate (APR) is the annual interest rate on your account,
Balance Subject to
‘Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge
Purchases 24.24%y) $1,824.94
Cash Advances 24.26%{v) 90.00 $0.00
(v) = Variable Rate
5308 aH or ta pasar 0 PAGEe11 20 srr 20 Az O1GOSSES
Please return this orion win your payment. tna wrte yout AceDUn MUmberBn your eneck, made payable to CREDIT ONE BAK.
PAY YOUR BILL ONLINE at CreditOnaBank.com
CreditOne’
PANE
Account Number
New Balance:
a
$1,914.87
640:
Minimum Payment Ove: $208.00
For address, telephone and email changes, Payment Oue Date: 08/29/22
plezse complete the reverse side.
Or, update your contact information ontine
i www. CrodiiOneBank.com, ‘AMOUNT ENCLOSED: b._ |
Moab TH esse lel ATL HM elds bd
CREDIT ONE BANK KEVIN FERRY
PO BOX 60500 321 BEACH RD
CITY OF INDUSTRY CA 91716-0500 WOLCOTT CT 06716-1627
UL EAT al Le Lathe a 1 It.
000900 0191487 0018000 Is484 2
CREDIT ONE SANK CREOIT CARD STATEMENT
‘Account Number!
November 28, 2020 to December 27, 2020
SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION
Previous Balance $1,929.19, ‘New Balance 31,287.75
Payments 367.00 Past Que Amount, 30.00
Other Credits $0.00 ‘Amount Due This Period $65.00
Purchases $0.00 Minimum Payment Due $65.00
Cash Advances, $0.00 Payment Que Date 09/23/24
Foes Charged $0.00 Late Paymont Waring:
Interest Charged $25.56 we do not recelve your minimum payment by the date isted above,
New Balance $1,287.75 you may have to pay a bitefee up io $39.
Credit Limit $1,490.00 Minimum Payment Waring:
Available Credit $172.00 I you make only the minimum payment each period, you wil pay more
varzrr20 Iniarast and itwill ake you longer to pay off yaur balance.
Statement Closing Date
Days in Billing Cycle For example:
Ifyou make ro You will pay off the ‘And you will
‘QUESTIONS? adsttional charges ‘ealance shown on sd up paying
Call Customer Service or Report using this card and he statement in an estimated
a Lost or Stolen Credit Card 4-877-825-3242 ‘each month you pay. about, tolal of.
Outside the U.S. Call 1-702-408-2042 ‘Only the minimum
Please send billing inquiries and correspondence to: 4 years $1,911.00
P.O. Box 98873, Las Vegas, NV 89193-8873
$51.00 3 years 81,818.00
(Savings= $93.00)
ITy9u would Uke a location for eredit counseling services, call
14966-515-5720. Or you may visit www justice govfusifist.
credit-counseling-aganciss-approved-pursuan'-1t-use-111.
TRANSACTIONS
Reference Number Trans Date Pos! Oste Descriptionof Transaction or Credit Amount
7407 1SSPBOOKTMIRG THO T2h0_ PAYMENT - MOBILE APP LAS VEGAS NV -67.00
—
-
STAC FEES FOR THIS Pei RIOD
mene nme
a _- we
ne “interest Charged * : .:
1ee7~ 127 Interest Charge on Purchases 25.86
1227 1227 Interest Charge on Cash Advancos 0.00
TOTAL INTEREST FOR THIS PERIOD 25.56
2020 Totals Year-to-Date
Total fees charged in 2020 $06.95
Total interest charged in 2020 $283.98
Effective February 1, 2021, your Credit One Bank Visa
card will no longer provide the Auto Rental Collision
Damage Waiveras part of your Visa network benefts.
All other card benefits will ramain in place.
INTEREST CHARGE CALCULATION
‘Your Annual Percentage Rate (APR) is the annual interest rate on your account.
ince Subject to
‘Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge
Purchases 23.99%(¥) S128: 64 $25.56
Cash Advances 23.99%v) 00 30.00
(W)= Variable Rate
5085 18H ot 7 pI 2 PAGE oft 20 srer 9570 ADM o1casses
‘Paes cou his potion Ain your payment. an wete your secoumy number an your heck, mage payable to CREDITONE BANK.
fitOne
PAY YOUR BILL ONLINE at CreditOneBank.com
Credi ‘Account Number: jose
BANE New Balance: 34,287.78
‘Minimum Payment Due: $65.00
For address, tlaphane and email changes, Payment Due Date: 01/2321
lease complete the reverse sida.
Or, updai Your contact information onfine AMOUNT ENCLOSED: ; |
at woe CrecitQneBank.com.
Moss loedst eal oe delleoe TAHHIL Ha SMI tebe
CREDIT ONE BANK KEVIN FERRY
PO BOX 69500 921 BEACH RD
CITY OF INDUSTRY CA 91716-0500 WOLCOTT CT 06716-1627
u Hood. aU HM LINGUAL Ll
0006700 0128775 0c06sco MMs484 6
OF SALE.AND ASSIGNMENT OF ACC ‘TS
INE. ANK, N. RECEIVABLES, LL
As of November 30, 2022, for good
hereby acknowledged, Credit One Bari ik, N.
and valuable consi tion, thé f&éeipt and sufficiency of which is
granted anid. has otherwise delivered to MHC Ret igtior”) has tral Ferre has $0 as assigned, has conveyedhas.
,
in tind to (j) the charged-off ‘eredit
fables, LLC (Assignee), all of As ignor’s rig ; ile and interest
CreditOne_Fresh_Encore_122022 (the ints, Ident: ‘dt age ley asisia the. data file named
herein by reference as “Bxhibit A” and, (i) certai pater ae a opy of b is att d hereto and incorpotated
but noc lirtitéd to applications, Staléifents, tering and
ountls edia oi" : copies thereof (including,
é¢ mM, od i) or ighls arising
toeach ‘account réferencéd ofi the Coit out of or relating
to, all claims aiid rigtits afforded exch AccountFileby (collectively
virtue OF that
after, the é “Aécounts in¢luding, i got limited,
cOtinK's cortésponding tefmé.and coo, ditions,
‘The Accounts. trarisferred aitider the terns Of :thi
wansferted to Assignee immediately following charge offfor Billof Sale and Agsignmeni . t of Accounts wers each,
h appl 10% in the Computer File.
With respect to information for the: ‘Accounts, Asi
records conveyed to Assignee relating x voF'Fepreserits atid warean ts to Assignee that the business,
6 Act issued and(i i),)the.sale and assignmentof
Accoun
by Assighsr
ts (collectively, the“ Lisi
It is in the regular course of business, of Ass:
Reto
for ani
"are kepe by Assi inthe reg qurse of ifs business.
layer teprésentative
knowledge of the act, event, condition or-opiti with personal
memorandum or fecording ‘of the Event.at ort (Call ely “Event') to be gece L, to mal the appropriate
and warrants-to Assignee that the Busitiess Record Is nably neat the th of the: etmhore, ASSignor represents
information itt Assignot’s custody and covtrot for th
tonipte accurate, ughly embody-the
Assignee. These tepresentations and-watranties are intend
counts fro fea itl thé time of transfer to
partiés may have jn place:anid not: ‘Supplant any other existing Suge ollier repres jéntations and warranties the
wi al ies and: epi trations,
This Bill of Sale and Assignment of Aggour
conveyed hereby. and shall serve as an acknowl
its shall serve a8 evidence of owner for the Accounts
ledament, ‘aS tatification,
and ai ide nce
Gf thé intent of the parties to
transfer die Accouiits,
CREDIT ONE BANK, NA.
Wiese
Visi ident
ae ao ae
EXHIBIT B
EXHIBIT A
ACCOUNT SCHEDULE
The.Accounts that are specifically:identitied in the electro
nic file-hamed CreditOné_Frésh_Encore_132024 with
‘uch electronic file incorporated heretiy by referenc ei
sae
BILL OF SALE.AND ASSIGNMENT OF RECETVABLES
EROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES
As of November 30; 2022, for good aid valuable coriside
hereby acknowledged, Credit Qne Bank, N.A. (“Assignor”) has the re tion and sufficiency of which is
trat ; hassold, has assigned; has conveyed, has
granted and has otherwise delivered te (6 MHC Receivables,
LLC (WAs
in and to (i) le receivables associated with each and every abe: i) Assigns Stight, title and interest
CreditOne_Fresl ferenced in the data file named
Encore..1220: 22. (the “Computer File"),2 copy ich is dltached hereto and incorporated
hetein by reference as “Exhibit A" he and, (ii)-all claims or rights atising f of relitinig10 each of those Receivables
(hereinafter, the “Receivables”).
The Receivables transferred under the terns of this Bill-of Sale ana signm
transferred to Assignee prior to-the:charge offof the associated accour icnt of Receivables were each
‘Sale and Assignment of Receivables, evidences the shows it the Computer File. This Bill. oF
thé parti for the traasfer of the Receivables,
‘88 an acknowledgement of those transfers, and, tot heintent between
extent nevessary, ralificdtion of the transfers, acts
‘With respect to information for the Receivables, Assigni
bu sitiess records conveyed to Assignee relating to the Receivables (the Ks ‘afts to Assignee that’ the
ie regular course of its business, Iii is ih (he regular course of busingss ust Records' are kept by Assignor in
'o) }or for dnemployee or aw authorized
Feprésencatn ve with personal knowledge of the act, event
t condition, OF By
16 hake the appropriate memorandum or recording: lleetively“Bvent*) to be recorded,
af the Bw t lit ly siat the time of the Bvent.
Fact iermore; Assignor represents and warrants to Assigriee that thé
Busi essRe fis dre materially complete and
itate, and thoroughly. embody: the information in Assignar’s trl For the Receivables from their
eréation until the time of transfer to Assignee. These réprésenrationscustody
an ties afedntend to augmen
edt any other
tepiésentations and warranties. the parties may have in. place and hot upp. it any other
Feprésentations.. existing warranties and
is Bill of Sale and Assignmentof Recei ivables shall serve as evidenc
conveyed hereby. and shall serve as'an acknowleds:igiaent, ‘as ratificati e of owneiship for the Receivables
trahsfer the Receivables. as evidence of the intent of the parties to
CREDIT ONE BANK, NA,
Michael Wiese
Vice int,
wn
EXHIBIT A
ACCOUNT SCHEDULE
‘The Accounts that are specifically tdentified in the el lectro
nic file iamed CreditOne_Fresh_¥ncote. 132029
slich electronic file incorporated herein by reference. With
BILL OF SALE AND ASSIGNMENT OF RECEIVABLE
FROM MHC RECE) BLES, LUC, TO NBM, LLC
As of December 16, 2022, MHC Receivables, LLC (“Assignor” "), for
good anid valuable conaide
receipt and sufficiency of which is hereby acknowledged, has petiodi ically transferred, 5 the
hag sol , bas Assi has
Convey Brantéd arid has otherwi se delivered to FNBM, LLC, {“Assigiiée”) all of
HE an anterest in
arid t6 (i) the teceivables entified and specifically reference: 4 for-each of the accoun
the data fite tiled Cr _-Encore_122022 attached hereto anid incorporat ac le on
fete as "
$ and (ii) all cla 8 arising out of or relating to the account level recéivables (hereina’
the “Receivables
‘With fespect to informati ion for the Receivables, Assignor represents and wan
businessFe: eyed fo Assignee relating io the Receivables (the “Business Records’, WS to Assigte® that the
the regu kept Assign in
of ssi {tis in the regular course of business of Assignor for
teprésenta ‘employes or. authorized
pS owledge of the.act, event, condition, or opinion (cdlléctiv ly “Bvent"):t
to. niake ‘*D I Hal éthorandum or recording -of the Event at or Teasonably ne; o be recorded,
Further A! Ff Fepr is and warrants to Assi ignee that the Business Records are mat Event,
accu and thoroi hly embody the information in Assignor's custody and control for thé R IY c6itip}nd
création the t f iranisfer to Assignee, These representations and warranties aré intend blesfr ei
represen and ftatities the parties may ‘have ‘in. place and not Supplatir ent. her
represent iors, ainy other Wwattanties and
This anid Agsignitics ‘Receivables:shall, serve-as an ackn
of thet iowledginent, as ratification, and as evidence
é Partiesr6 tansfer ihe Released Receivables refere! inced figtein,
MBC Receivables, LUC
,
Mark Rufail, Authori: Reptesetitative
ee an
EXHIBIT A
ACCOUNT SCHEDULE
‘The Accounts that are specifically identified in thé electronic file naihed
such electronic file incorporated herein by reference. CreditOne_Fresh_Eucore_122022, with
BILL OF SALE AND A IGNMENTOF RECEIVABLE:
u FENBM, LL ) CREDITA: ‘T SALES 4
On December 16,2022, FNBM, LLC (“Assignor ”), for good and
is hereby acknowledged, hereby transfers, sells, assigns, conveys, valuable consideration, the Feceipt of which
grunts end delivers 10 Cr it Asset Sales LLC
(“Assign "), all of its.rights, title and inte rest in and to (i) the recei vables identified
and specifically referenced for
ea of the accounts ‘on an account level basis on the data file tith led CreditOne_Fresh_Encore_12
he and incorporated by reference, as “Exhibit A" 3 and (if) all 2022 attached
claims or rights arising dut of of relating to the
receivables (hereinafter the “Receivables").
This Bill of Sale and Assi ignment of Receivables shall serve as evidence wiership for
Reteivables coriveyed fiereby.
of iny of the
ENBM, LLC
Greg
spat
“4 ed ‘Pobresentative
With respect to information for the Receivables, MHC Receivable
s, LLC:(MAC”) represents atid, warrants
to Assignee that the biiginess records conveyed to Asdign ec relating
to the Receivables (the “Business Records”), are
kept by MHC in the regillar course of its business, Ibis in the regular
course of business of MHC for an eifiployée or
an adthorized representative with personal. knowledge of the act, event,
condition, of opinion (collectively “Event®)
10 be retorded, to. maké the appropriate memorandum or recordi
ng of the Evetil at or réasénably near the time of the
Event. Furthermore, A&signor represents and warrants to Assignee:
and accurate, and thérdugtily
that the Business Records are matetially complete
embady the information in Assignor’s custody and contiol for the
creatiog until the tite of transfer to.Assignee. These repi resentations Recéivables froni their
and warranties are intended ti iat ment any other
représtatarions ahd warranties the parties may have in place and
not ‘supplant any other existin iz war! and
representations.
MHC Receivables, LLC
.
tle
Mark Rofail, Authorized Representauve
EXHIBIT A
ACCOUNT SCHEDULE
The Accounts that are specifically identified in the. eléctroitic file
natie CreditOQne_Fresh_Enéore_122022, with
such electronic file incorporated herein by referent e.
BILL OF SALE AND.ASSIGNMENT OF ACCOUNTS
ROM iC RECEIVA) LLE TO.CR IT ASSET SAI LLC
On December 16, 02, for 0d and v
Preview
STATE OF CONNECTICUT MIDLAND CREDIT MANAGEMENT, INC, Plaintiff -Vs- AFFIDAVIT OF RANDY SOLTIS KEVIN FERRY, Defendant(s). Randy Soltis, whose business address is 600 W. Saint Germain St Suite 200, St. Cloud, MN 56301-3616, certifies and says: 1 Iam employed as a Legal Specialist and have access to pertinent records for Midland Credit Management, Inc. ("Plaintiff' or "MCM"). I am a competent person over eighteen. years of age, and make the statements herein based upon personal knowledge of those account records maintained by Plaintiff. Plaintiff is the current owner of, and was assigned all the rights, title and interest to Defendant's CREDIT ONE BANK, N.A. account XXXXXXXXXXXX8484 (hereinafter "the Account"). 2 T have access to and have reviewed the electronic records pertaining to the Account maintained by MCM and am authorized to make this affidavit on MCM's behalf. The electronic records reviewed consist of (i) data and records acquired from the seller or assignor when MCM purchased or was assigned the Account, which were incorporated into MCM's business records upon purchase or assignment, and (ii) data and records generated by MCM jn connection with servicing the Account since the date the Account was purchased by or was assigned to MCM. In addition, I reviewed the documents that are attached to this affidavit. 3 Tam familiar with and trained on the manner and method by which MCM creates and maintains its business records pertaining to the Account, which consist of (i) data and documents acquired from the seller or assignor, and (ii) subsequent collection and/or servicing activities by MCM. The records are acquired or created, and are kept in the regular course of MCM's business. It was in the regular course of MCM's business for a person with knowledge of the subsequent collection and/or servicing activities recorded, and a business duty to report, AFFIDAVIT OF RANDY SOLTIS - 1 HOY we IAC IONOHE IA RECATTA to make the record or data compilation, or to transmit information thereof to be included in such record, or for such information to be posted in MCM's records by a computer or similar digital means. In the regular course of MCM's business, the record or compilation of the subsequent collection activities is made at or near the time of the act or event by MCM as a regular practice. 4 The accuracy of such records is relied upon by Plaintiff in collecting this Account. These records are trustworthy and relied upon because the original creditor was required to keep careful records of the Account at issue in this case as required by law and/or suffer business loss. 5 MCM's records show that this action is based upon a credit agreement between Defendant(s) and the original creditor. MCM's records further show that Defendant(s) used or authorized the use of the credit Account but failed to make the payments due pursuant to the agreement. 6. MCM's records show that the Account was opened on 2018-03-05 and charged off on 2022-11-28 with a balance of $2,402.59. On or about 2022-12-27, Plaintiff purchased and was assigned the balance owed by Defendant of $2,402.59. As of 2024-01-17, MCM's records show that the balance of $2,402.59 remains due and owing and no interest has been assessed to the Account. Therefore, Plaintiff seeks the amount of $2,402.59 from Defendant. All credits and offsets for payments have been applied to the balance. 7 MCM's records shows that the last payment posted to the Account on 2022-04-29. 8 The complete chain of title including CREDIT ONE BANK, N.A., the original creditor, and all post-charge-off purchasers/assignees of the debt are as follows: 1 2022-11-28 CREDIT ONE BANK,N.A. P.O, BOX 98873,LAS VEGAS,NV89193 2. 2022-12-16 MHC Receivables, LLC 6807 S. CIMARRON RD,Las Vegas,NV,89113 3 2022-12-27 CREDIT ASSET SALES 200 MEETING STREET,SUITE LLC 206, CHARLESTON, SC,29401 AFFIDAVIT OF RANDY SOLTIS - 2 aoe HAC CATTA! nna Midland Credit Management, 350 CAMINO DE LA REINA,SUITE Inc. 100,SAN DIEGO,CA,92108 9 Attached hereto are the following records regarding the Account: Exhibit A. Statement(s) (including statement(s) reflecting the charge-off balance, and recording the last purchase transaction, service billed, payment, or balance transfer) and an additional statement sent to Defendant(s) while the Account was active, which shows the Defendant's name and address Exhibit B. Bill(s) of Sale, Assignment and/or Affidavit(s) of Sale Exhibit C. Seller data sheet reflecting the individual Account information from the electronic records provided by the seller or assignor pursuant to the Bill(s) of Sale, Assignment(s) and/or Affidavit(s) of Sale in connection with the ale or assignment of the Account to Plaintiff 10. The documents attached hereto are true and correct copies of the originals, being a reproduction of Plaintiff's records, based upon my review, except to the extent that confidential and privileged information and/or personal identifying information is omitted or redacted as required by local rules, and applicable state and federal law. i. If called to testify as a witness thereon, I could and would competently testify as to all the facts stated herein. Left Blank Intentionally AFFIDAVIT OF RANDY SOLTIS - 3 CTEM . AATEC A INE AN I certify under penalty of perjury that the foregoing statements are true and correct. FEB 0 5 2028 Date Randy Soltis STATE OF MINNESOTA COUNTY OF STEARNS FEB 0 5 2024 Signed and sworn to (or affirmed) before me on by Randy Soltis. MARGARET WaTZKE Notary Public j muUckl NOTARY PUBLIC- MINNESOTA My Com Jat CTI AFFIDAVIT OF RANDY SOLTIS - 4 MOANAa KOA IAA CREDIT ONE BANK CREDIT CARD STATEMENT ‘Account Number October 28, 2022 to November27, 2022 ‘SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION Previous Balance $2,317.53, New Balance 32,402.59 Payments 30.00 Past Due Amount $720.00 Other Credits 30.00 ‘Amount Due This Period 34,721.59 Purchases 30.00 Minimum Payment Due $2,402.58 Balance Transfers $0.00 Paymont Due Dato 1212322 Cash Advances $0.00 Late Payment Warning: Fees Charged $39.00 itwe do: {Calvo your minimum paymentby the date listed above, Interest Charged $46.06 ‘you may hava to pay a isto fee up to $39. New Batance $2,402.59 ‘Minium Payment Warning’ Credit Limit $1950.00 {you make oniy the minimum payment each period, you will pay more Available Credit In interest and il wil take you longer to pay off your bafancs. Statement Closing Date wera For example, Days in Billing Cycle you make no ‘You will pay off the ‘And you wit cit balance shown on. ‘end up paying © ‘QUESTIONS? using this eard and the statementin ‘an estimated Call Customer Service or Report ‘each month you pay. about. twial of. a Lost or Stolen Credit Card 1-877-825-3242 (Only the eninimum Outside the U.S. Catt 4-702-405-2042 1 month(s) $2,403.00 Please send billing inquiries and correspondence to: AT you would Uke @ location for credit counseling services, col P.O. Box 98873, Las Vegas, NV 89193-6873 1-866-515-5720. Or you may visit wer justice goviusifist- cradit-counseling-agenciss-epproved-pursuanle11-use-111. ‘TRANSACTIONS: amor a. a ow Number Trans Bale “Post ition of Transaction oF Credit ~ Payments, Credits, and Agjustments Fees iat 11727 LATE FEE 39.00 we TOTAL FEES FOR THIS PERIOD Ds 39.00 ae . me interest Charged i 127 , 11/27 Interest Charge on Purchases 46.08 1027 . /.1127 Interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 46.06 REVARTESANDIE 2022 Totals Year-to-Date Total fees charged in 2022 $329.95 Total interest charged in 2022 $412.39 ‘Your account is curently closed, NOTICE OF CHANGE IN TERMS TO YOUR REWARDS PROGRAM SUPPLEMENT Efiective 0:01/2023, Cash Back Rewards will be based on Net Eligible Purchases made with your Account from the first day to the last dayof that month. All other terms in your Rewards Program Supplement remain unchanged. Please keep a ‘copy of this document with your Card Agreement. INTEREST CHARGE CALCULATION ‘Your Annwal Percentage Rate (APR) is the annual interest rate on your account. Balance Subject to Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge Purchases 26.99%(v) $2,047.94 $46.06 Cash Advances 26.99%(v) $0.00 $0.00 (¥) = Veriable Rate sons aH oor yo, mua 0 GXPAGE tort 20 srr 320 AZM O1GOSES Please rue ins ponton wih you paymant and wrk your account number On yonr chock, mac payeblew CREDIT ONE BANK. PAY YOUR BILL ONLINE at CreditOneBank.com P.O, BOX 98873 ‘Account Number: jeaad. Credit AWK LAS VEGAS, NV 89193-6673, New Balance: $2,402.59 Minimum Payment Due: $2,402.59 For address, fephore and il changes, Payment Due Date: 12/23/22 please complete the zev sid ‘01, update your contact information online at wow. CreaitOneBank com, AMOUNT ENCLOSED: 5 Att, eo ANe FOAL DUCTAL1 U1 TH ‘CREDIT ONE BANK KEVIN FERRY PO BOX 80500 321 BEACH RO CITY OF INDUSTRY CA 91716-0500 WOLCOTT CT 06716-1627 Leola 1 Hat 1 Hale 0000000 0240259 0240259 NNN 454 4 EXHIBIT A CREDIT ONE BANK CREDIT CARD STATEMENT ‘Account Number| ‘April 28, 2022 to May 27, 2022 ‘SUMMARY OF ACCOUNT ACTIVITY © PAYMENT INFORMATION 7 Previous Balance $1,058.57 New Bi nce 91,914.67 Payments 39.00 Past Due Amount $84.00 Other Credits, $0.55 Amount Que This Period $124.00 Purchases $0.00 Minimum Payment Que $208.00 Balance Transfers, $0.00 Payment Due Date ogr23i22 Cash Advances 30.00 Late Payment Warning: Fees Char $28.00 we do net receive your minimum payment by the date stad sbovs, Interest Charged $36.86 you may have lo pay w lt 8 v9 10 $98. New Balance $1,914.87 Minimum Payment Waning: Credit Limit 51.850. 09 Ifyou make ‘nly tho minimum payment each period, yob will pay more In interest and 1 wil take you longor to pay off your balanca. Available Credit 10 Statement Closing Date 05/27/22 For axampl Days in Billing Cycle 30 you make no ‘You will pay off ‘And you wal addtionat charges balance shown on end up paying : QUESTIONS? sing Ins card and he statement ‘an astimated ‘Call Customer Service or Report ‘each moath you pay. aout. total of. a Lost or Stolen Credit Card 1-977-825-3242 Only the minim Outside the U.S. Call 4-702-405-2042 payment an $2,910.00 Please send biling inquiries and correspondence to: P.O, Box 98873, Las Vegas, NV 89193-8673 $7800 3 years $2,713.00 (Savings= $197.00) {Ifyou would Uke a location for credit counseling sorvicss, call 14865-515-5720. Or yeu may visit wre jstice.govlusifist- credit-counsaling-agencies approved pursuant-{1-use-117, TRANSACTIONS ~ . win nae ones ea ohne ete Reference Number Trans Date Posi Date. Descripton of fransaction or Crack ‘Amauat F572700G5000FR, Oarae CREDIT ONE REWARD CREDIT LAS VEGA 04128 O55 CREDIT 7407193G800XTMJRP- 04/29 0429 PAYMENT - MOBILE APP LAS VEGAS. av 8.00 z Fees. 7 ie 0527 ave Fee 28.00 TOTAL FEES FOR THIS PERIOD 28.00 interest Charged 05127 5/27 Interest Charge on Purchases 36.86 | 05/27 05/27 Interest Cherge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 36.86 2022 Totals Ye to-Date Total fees charged in 2022 $95.95 Total interest charged in 2022 $158.67 MISSING A PAYMENT CAN HAPPEN BUT GETTING ON TRACK |S EASY PLEASE PAY ONLINE, ON THE MOSILE APP, BY MAIL, OR CALL (888) 729-6274 SET UP ALERTS TO REMIND YOU ABOUT PAYMENTS ONLINE OR ON QUR MOBILE APP. 7 INTEREST CHARGE CALCULATION * Your Annual Percentage Rate (APR) is the annual interest rate on your account, Balance Subject to ‘Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge Purchases 24.24%y) $1,824.94 Cash Advances 24.26%{v) 90.00 $0.00 (v) = Variable Rate 5308 aH or ta pasar 0 PAGEe11 20 srr 20 Az O1GOSSES Please return this orion win your payment. tna wrte yout AceDUn MUmberBn your eneck, made payable to CREDIT ONE BAK. PAY YOUR BILL ONLINE at CreditOnaBank.com CreditOne’ PANE Account Number New Balance: a $1,914.87 640: Minimum Payment Ove: $208.00 For address, telephone and email changes, Payment Oue Date: 08/29/22 plezse complete the reverse side. Or, update your contact information ontine i www. CrodiiOneBank.com, ‘AMOUNT ENCLOSED: b._ | Moab TH esse lel ATL HM elds bd CREDIT ONE BANK KEVIN FERRY PO BOX 60500 321 BEACH RD CITY OF INDUSTRY CA 91716-0500 WOLCOTT CT 06716-1627 UL EAT al Le Lathe a 1 It. 000900 0191487 0018000 Is484 2 CREDIT ONE SANK CREOIT CARD STATEMENT ‘Account Number! November 28, 2020 to December 27, 2020 SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION Previous Balance $1,929.19, ‘New Balance 31,287.75 Payments 367.00 Past Que Amount, 30.00 Other Credits $0.00 ‘Amount Due This Period $65.00 Purchases $0.00 Minimum Payment Due $65.00 Cash Advances, $0.00 Payment Que Date 09/23/24 Foes Charged $0.00 Late Paymont Waring: Interest Charged $25.56 we do not recelve your minimum payment by the date isted above, New Balance $1,287.75 you may have to pay a bitefee up io $39. Credit Limit $1,490.00 Minimum Payment Waring: Available Credit $172.00 I you make only the minimum payment each period, you wil pay more varzrr20 Iniarast and itwill ake you longer to pay off yaur balance. Statement Closing Date Days in Billing Cycle For example: Ifyou make ro You will pay off the ‘And you will ‘QUESTIONS? adsttional charges ‘ealance shown on sd up paying Call Customer Service or Report using this card and he statement in an estimated a Lost or Stolen Credit Card 4-877-825-3242 ‘each month you pay. about, tolal of. Outside the U.S. Call 1-702-408-2042 ‘Only the minimum Please send billing inquiries and correspondence to: 4 years $1,911.00 P.O. Box 98873, Las Vegas, NV 89193-8873 $51.00 3 years 81,818.00 (Savings= $93.00) ITy9u would Uke a location for eredit counseling services, call 14966-515-5720. Or you may visit www justice govfusifist. credit-counseling-aganciss-approved-pursuan'-1t-use-111. TRANSACTIONS Reference Number Trans Date Pos! Oste Descriptionof Transaction or Credit Amount 7407 1SSPBOOKTMIRG THO T2h0_ PAYMENT - MOBILE APP LAS VEGAS NV -67.00 — - STAC FEES FOR THIS Pei RIOD mene nme a _- we ne “interest Charged * : .: 1ee7~ 127 Interest Charge on Purchases 25.86 1227 1227 Interest Charge on Cash Advancos 0.00 TOTAL INTEREST FOR THIS PERIOD 25.56 2020 Totals Year-to-Date Total fees charged in 2020 $06.95 Total interest charged in 2020 $283.98 Effective February 1, 2021, your Credit One Bank Visa card will no longer provide the Auto Rental Collision Damage Waiveras part of your Visa network benefts. All other card benefits will ramain in place. INTEREST CHARGE CALCULATION ‘Your Annual Percentage Rate (APR) is the annual interest rate on your account. ince Subject to ‘Type of Balance Annual Percentage Rate (APR) Interest Rate Interest Charge Purchases 23.99%(¥) S128: 64 $25.56 Cash Advances 23.99%v) 00 30.00 (W)= Variable Rate 5085 18H ot 7 pI 2 PAGE oft 20 srer 9570 ADM o1casses ‘Paes cou his potion Ain your payment. an wete your secoumy number an your heck, mage payable to CREDITONE BANK. fitOne PAY YOUR BILL ONLINE at CreditOneBank.com Credi ‘Account Number: jose BANE New Balance: 34,287.78 ‘Minimum Payment Due: $65.00 For address, tlaphane and email changes, Payment Due Date: 01/2321 lease complete the reverse sida. Or, updai Your contact information onfine AMOUNT ENCLOSED: ; | at woe CrecitQneBank.com. Moss loedst eal oe delleoe TAHHIL Ha SMI tebe CREDIT ONE BANK KEVIN FERRY PO BOX 69500 921 BEACH RD CITY OF INDUSTRY CA 91716-0500 WOLCOTT CT 06716-1627 u Hood. aU HM LINGUAL Ll 0006700 0128775 0c06sco MMs484 6 OF SALE.AND ASSIGNMENT OF ACC ‘TS INE. ANK, N. RECEIVABLES, LL As of November 30, 2022, for good hereby acknowledged, Credit One Bari ik, N. and valuable consi tion, thé f&éeipt and sufficiency of which is granted anid. has otherwise delivered to MHC Ret igtior”) has tral Ferre has $0 as assigned, has conveyedhas. , in tind to (j) the charged-off ‘eredit fables, LLC (Assignee), all of As ignor’s rig ; ile and interest CreditOne_Fresh_Encore_122022 (the ints, Ident: ‘dt age ley asisia the. data file named herein by reference as “Bxhibit A” and, (i) certai pater ae a opy of b is att d hereto and incorpotated but noc lirtitéd to applications, Staléifents, tering and ountls edia oi" : copies thereof (including, é¢ mM, od i) or ighls arising toeach ‘account réferencéd ofi the Coit out of or relating to, all claims aiid rigtits afforded exch AccountFileby (collectively virtue OF that after, the é “Aécounts in¢luding, i got limited, cOtinK's cortésponding tefmé.and coo, ditions, ‘The Accounts. trarisferred aitider the terns Of :thi wansferted to Assignee immediately following charge offfor Billof Sale and Agsignmeni . t of Accounts wers each, h appl 10% in the Computer File. With respect to information for the: ‘Accounts, Asi records conveyed to Assignee relating x voF'Fepreserits atid warean ts to Assignee that the business, 6 Act issued and(i i),)the.sale and assignmentof Accoun by Assighsr ts (collectively, the“ Lisi It is in the regular course of business, of Ass: Reto for ani "are kepe by Assi inthe reg qurse of ifs business. layer teprésentative knowledge of the act, event, condition or-opiti with personal memorandum or fecording ‘of the Event.at ort (Call ely “Event') to be gece L, to mal the appropriate and warrants-to Assignee that the Busitiess Record Is nably neat the th of the: etmhore, ASSignor represents information itt Assignot’s custody and covtrot for th tonipte accurate, ughly embody-the Assignee. These tepresentations and-watranties are intend counts fro fea itl thé time of transfer to partiés may have jn place:anid not: ‘Supplant any other existing Suge ollier repres jéntations and warranties the wi al ies and: epi trations, This Bill of Sale and Assignment of Aggour conveyed hereby. and shall serve as an acknowl its shall serve a8 evidence of owner for the Accounts ledament, ‘aS tatification, and ai ide nce Gf thé intent of the parties to transfer die Accouiits, CREDIT ONE BANK, NA. Wiese Visi ident ae ao ae EXHIBIT B EXHIBIT A ACCOUNT SCHEDULE The.Accounts that are specifically:identitied in the electro nic file-hamed CreditOné_Frésh_Encore_132024 with ‘uch electronic file incorporated heretiy by referenc ei sae BILL OF SALE.AND ASSIGNMENT OF RECETVABLES EROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES As of November 30; 2022, for good aid valuable coriside hereby acknowledged, Credit Qne Bank, N.A. (“Assignor”) has the re tion and sufficiency of which is trat ; hassold, has assigned; has conveyed, has granted and has otherwise delivered te (6 MHC Receivables, LLC (WAs in and to (i) le receivables associated with each and every abe: i) Assigns Stight, title and interest CreditOne_Fresl ferenced in the data file named Encore..1220: 22. (the “Computer File"),2 copy ich is dltached hereto and incorporated hetein by reference as “Exhibit A" he and, (ii)-all claims or rights atising f of relitinig10 each of those Receivables (hereinafter, the “Receivables”). The Receivables transferred under the terns of this Bill-of Sale ana signm transferred to Assignee prior to-the:charge offof the associated accour icnt of Receivables were each ‘Sale and Assignment of Receivables, evidences the shows it the Computer File. This Bill. oF thé parti for the traasfer of the Receivables, ‘88 an acknowledgement of those transfers, and, tot heintent between extent nevessary, ralificdtion of the transfers, acts ‘With respect to information for the Receivables, Assigni bu sitiess records conveyed to Assignee relating to the Receivables (the Ks ‘afts to Assignee that’ the ie regular course of its business, Iii is ih (he regular course of busingss ust Records' are kept by Assignor in 'o) }or for dnemployee or aw authorized Feprésencatn ve with personal knowledge of the act, event t condition, OF By 16 hake the appropriate memorandum or recording: lleetively“Bvent*) to be recorded, af the Bw t lit ly siat the time of the Bvent. Fact iermore; Assignor represents and warrants to Assigriee that thé Busi essRe fis dre materially complete and itate, and thoroughly. embody: the information in Assignar’s trl For the Receivables from their eréation until the time of transfer to Assignee. These réprésenrationscustody an ties afedntend to augmen edt any other tepiésentations and warranties. the parties may have in. place and hot upp. it any other Feprésentations.. existing warranties and is Bill of Sale and Assignmentof Recei ivables shall serve as evidenc conveyed hereby. and shall serve as'an acknowleds:igiaent, ‘as ratificati e of owneiship for the Receivables trahsfer the Receivables. as evidence of the intent of the parties to CREDIT ONE BANK, NA, Michael Wiese Vice int, wn EXHIBIT A ACCOUNT SCHEDULE ‘The Accounts that are specifically tdentified in the el lectro nic file iamed CreditOne_Fresh_¥ncote. 132029 slich electronic file incorporated herein by reference. With BILL OF SALE AND ASSIGNMENT OF RECEIVABLE FROM MHC RECE) BLES, LUC, TO NBM, LLC As of December 16, 2022, MHC Receivables, LLC (“Assignor” "), for good anid valuable conaide receipt and sufficiency of which is hereby acknowledged, has petiodi ically transferred, 5 the hag sol , bas Assi has Convey Brantéd arid has otherwi se delivered to FNBM, LLC, {“Assigiiée”) all of HE an anterest in arid t6 (i) the teceivables entified and specifically reference: 4 for-each of the accoun the data fite tiled Cr _-Encore_122022 attached hereto anid incorporat ac le on fete as " $ and (ii) all cla 8 arising out of or relating to the account level recéivables (hereina’ the “Receivables ‘With fespect to informati ion for the Receivables, Assignor represents and wan businessFe: eyed fo Assignee relating io the Receivables (the “Business Records’, WS to Assigte® that the the regu kept Assign in of ssi {tis in the regular course of business of Assignor for teprésenta ‘employes or. authorized pS owledge of the.act, event, condition, or opinion (cdlléctiv ly “Bvent"):t to. niake ‘*D I Hal éthorandum or recording -of the Event at or Teasonably ne; o be recorded, Further A! Ff Fepr is and warrants to Assi ignee that the Business Records are mat Event, accu and thoroi hly embody the information in Assignor's custody and control for thé R IY c6itip}nd création the t f iranisfer to Assignee, These representations and warranties aré intend blesfr ei represen and ftatities the parties may ‘have ‘in. place and not Supplatir ent. her represent iors, ainy other Wwattanties and This anid Agsignitics ‘Receivables:shall, serve-as an ackn of thet iowledginent, as ratification, and as evidence é Partiesr6 tansfer ihe Released Receivables refere! inced figtein, MBC Receivables, LUC , Mark Rufail, Authori: Reptesetitative ee an EXHIBIT A ACCOUNT SCHEDULE ‘The Accounts that are specifically identified in thé electronic file naihed such electronic file incorporated herein by reference. CreditOne_Fresh_Eucore_122022, with BILL OF SALE AND A IGNMENTOF RECEIVABLE: u FENBM, LL ) CREDITA: ‘T SALES 4 On December 16,2022, FNBM, LLC (“Assignor ”), for good and is hereby acknowledged, hereby transfers, sells, assigns, conveys, valuable consideration, the Feceipt of which grunts end delivers 10 Cr it Asset Sales LLC (“Assign "), all of its.rights, title and inte rest in and to (i) the recei vables identified and specifically referenced for ea of the accounts ‘on an account level basis on the data file tith led CreditOne_Fresh_Encore_12 he and incorporated by reference, as “Exhibit A" 3 and (if) all 2022 attached claims or rights arising dut of of relating to the receivables (hereinafter the “Receivables"). This Bill of Sale and Assi ignment of Receivables shall serve as evidence wiership for Reteivables coriveyed fiereby. of iny of the ENBM, LLC Greg spat “4 ed ‘Pobresentative With respect to information for the Receivables, MHC Receivable s, LLC:(MAC”) represents atid, warrants to Assignee that the biiginess records conveyed to Asdign ec relating to the Receivables (the “Business Records”), are kept by MHC in the regillar course of its business, Ibis in the regular course of business of MHC for an eifiployée or an adthorized representative with personal. knowledge of the act, event, condition, of opinion (collectively “Event®) 10 be retorded, to. maké the appropriate memorandum or recordi ng of the Evetil at or réasénably near the time of the Event. Furthermore, A&signor represents and warrants to Assignee: and accurate, and thérdugtily that the Business Records are matetially complete embady the information in Assignor’s custody and contiol for the creatiog until the tite of transfer to.Assignee. These repi resentations Recéivables froni their and warranties are intended ti iat ment any other représtatarions ahd warranties the parties may have in place and not ‘supplant any other existin iz war! and representations. MHC Receivables, LLC . tle Mark Rofail, Authorized Representauve EXHIBIT A ACCOUNT SCHEDULE The Accounts that are specifically identified in the. eléctroitic file natie CreditOQne_Fresh_Enéore_122022, with such electronic file incorporated herein by referent e. BILL OF SALE AND.ASSIGNMENT OF ACCOUNTS ROM iC RECEIVA) LLE TO.CR IT ASSET SAI LLC On December 16, 02, for 0d and v