MIDLAND CREDIT MANAGEMENT,INC,
`
`STATE OF CONNECTICUT
`
`Plaintiff
`
`-vS-
`
`ANDREW FERNANDEZ,
`
`Defendant(s).
`
`AFFIDAVIT OF NATHAN RINGHAM
`
`Nathan Ringham, whose business address is 600 W. Saint Germain St Suite 200, St.
`
`Cloud, MN 56301-3616, certifies and says:
`
`1.
`
`I am 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
`
`AXXXXXXXXXXXX4771 (hereinafter "the Account").
`
`2.
`
`I have access to and have reviewed the electronic records pertaining to the Account
`
`maintained by MCM and am authorized to makethis affidavit on MCM's behalf. The
`
`electronic records reviewed consist of (i) data and records acquired from the seller or assignor
`
`when MCMpurchased or was assigned the Account, which were incorporated into MCM's
`
`business records upon purchaseor assignment, and (11) data and records generated by MCM
`
`in connection with servicing the Account since the date the Account was purchased by or was
`
`assigned to MCM.
`
`In addition, I reviewed the documentsthat are attachedto thisaffidavit.
`
`3.
`
`Iam familiar with and trained on the manner and method by which MCMcreates
`
`and maintains its business records pertaining to the Account, which consistof (i) data and
`
`documents acquired from the seller or assignor, and (ii) subsequent collection and/or servicing
`
`activities by MCM.Therecords 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 NATHAN RINGHAM- 1
`
`LAVA LAOCAO OULUECa
`317079281
`323-17562
`
`AFFRECATTACH
`
`
`
`to makethe 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 ofthe
`
`subsequentcollection activities is made at or near the time ofthe act or event by MCM as a
`
`regular practice.
`
`4,
`
`The accuracy of such recordsis 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 Accountat 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 butfailed to make the payments due pursuant to the
`
`agreement.
`
`6.
`
`MCM's records show that the Account was opened on 2015-06-19 and charged off on
`
`2022-03-27 with a balance of $1,979.26. On or about 2022-04-29, Plaintiff purchased and
`
`was assigned the balance owed by Defendant of $1,979.26. As of 2023-12-30, MCM's records
`
`show that the balance of $1,979.26 remains due and owing and nointerest has been assessed
`
`to the Account. Therefore, Plaintiff seeks the amount of $1,979.26 from Defendant. All credits
`
`and offsets for payments have been applied to the balance.
`
`7.
`
`8.
`
`MCM's records showsthat the last payment posted to the Account on 2021-08-20.
`
`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:
`
`],
`
`2.
`
`2022-03-27 CREDIT ONE BANK,N.A.
`
`P.O. BOX 98873,LAS VEGAS,NV,89193
`
`2022-04-22 MHC Receivables, LLC
`
`6807 S. CIMARRON RD,Las
`
`3.
`
`2022-04-29 CREDIT ASSET SALES
`
`200 MEETING STREET,SUITE
`
`LLC
`
`206,CHARLESTON.SC,29401
`
`Vegas,NV,89113
`
`AFFIDAVIT OF NATHAN RINGHAM - 2
`
`CEA CERCLA Ae
`317079281
`ECATTACH
`23-17562
`AFFR
`
`
`
`4.
`
`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 pursuantto the Bill(s)
`ofSale, Assignment(s) and/or Affidavit(s) of Salein connection with the
`sale or assignmentof the Accountto Plaintiff
`
`10.
`The documents attached hereto are true and correct copies ofthe originals, being a
`reproduction ofPlaintiff's records, based upon my review, except to the extent that confidential
`and privileged information and/or personal identifying informationis omitted or redacted as
`required by local rules, and applicable state and federal law.
`
`ll.
`
`If called to testify as a witness thereon, I could and would competentlytestify astoall
`
`the facts stated herein.
`
`LEFT BLANK INTENTIONALLY
`
`AFFIDAVIT OF NATHAN RINGHAM- 3
`
`IOAN LOCAAA EOIN
`07928
`2
`317
`1
`AFFRECATTACH
`3-17562
`
`
`
`I certify under penalty of perjury that the foregoing statements are true and correct.
`
`JAN'2 9 2026
`
`Date
`
`STATE OF MINNESOTA
`
`COUNTY OF STEARNS
`
`YA
`
`Nathan Ringham
`
`Signed and sworn to (or affirmed) before me on
`
`JAN 29 2024
`
`by Nathan Ringham.
`
`,
`
`S
`
`piss 3
`NESTA .
`on Exp.Jan.31, 2029
`
`Public
`
`Notary
`
`°
`
`CTl
`
`AFFIDAVIT OF NATHAN RINGHAM- 4
`
`LUA HOUSEEGAT ODETTE
`AF
`317079281
`FRECATTACH
`23-17562
`
`
`
`CREDIT ONE BANK CREBIT CARD STATEMENT
`Account Numbei 4771
`to Mareh 25, 2022
`Fabruary 26, 2022
`
`PAYMENT INFORMATION oo
`31,979.26
`$585.00
`$1,433.26
`$1,975.26
`04/21/22
`
`SUMMARY GF ACCOUNT ACTIVITY:
`Previous Balance
`$1,898.39
`Payments
`$0.00
`Other Credits
`$0.00
`Purchases
`$0.00
`Balance Transfers
`$0.00
`Cash Advances
`$0.00
`Fees Charged
`$47.25
`Interest Charged
`$33.62
`New Balance
`$1,979.26
`Credit Limit
`$1,800.00
`Available Credit
`$0.00
`03/25/22
`Statement Closing Date
`28
`
`a
`New Salance
`Past Que Amount
`Amount Due This Period
`Minimum Payment Due
`Payment Due Date
`Late Payment Warming:
`H we do not receive your minimum paymentby the datelisted above,
`you may have to pay a late fee up to $39.
`Minimum Payment Warning:
`H you make only ihe minimum payment each period, you will pay more
`in interest and it will take you longer to pay off your balance.
`For example:
`‘H you make no.
`And you will
`‘YGu will pay off ttie
`balance shown on
`end uppaying
`additional charges
`an estimated
`ithe statemantins
`using this:card and
`Call Customer Service or Report
`
`
`each month youpay...) about...|4 ” tataliot...
`a Lost or Stolen Credit Card
`4-877-825-3242
`‘Only the minimum
`Outside the U.S. Call
`1-702-405-2042
`$1,979.00
`payment
`Please sendbilling inquires and correspondence to:
`H you would like a location far credit counseling services, call
`P.O. Box 98873, Las Vegas, NV 89193-8873
`1-866-515-5720. Or you mayvisil wowjustica.gov/ustlisi-
`eredit-counseling-agencieas-approved-pursuant-11-usc-171.
`
`te
`
`:
`
`.
`
`‘Raference Number
`
`é
`went
`.
`TRANSACTIONS bare:
`Trans Date Post Date Descri
`action ar Credit
`iption of Trans
`¥
`- oe -——————
`ae me .
`ae
`04/22 THROUGH 04/22
`
`FS72700F4000CYLAC
`
`:
`“93/25
`03/25
`03/25
`a ae enmerepe
`vec me eenee,
`. 1.
`03/25
`;03725
`
`
`Days in Billing Cycle QUESTIONS?
`03/25 ANNUAL FEE
`23,90%(¥) Balance Subject to
`
`Fees
`835 |
`39.00
`LATE
`FEE
`47.25
`TOTAL FEES FOR THIS PERICD
`Li: samme et oe me ema RNEeI ce
`oa, _. Interest Charged |
`_.
`33.6
`03/25
`Interest Charge on Purchases
`0.00
`Interest Charge on Cash Advances
`03/25
`33.62
`TOTAL INTEREST FOR THIS PERIOD
`2022 Totals Year-to-Date
`5 RPE
`Total fees charged in 2022
`Total interest charged in 2022
`
`$144.75
`$98.02
`
`Your accountis currently dosed.
`
`INTERESTCHARGE CALCULATION |”
`Your Annual Percentage Rate {APR}is the annualinterest rate on your account.
`
`Type of Balance
`Purchases
`Cash Advances
`
`{v} = Variable Rate
`
`Annual Percentage Rate (APR)
`23,90%(v)
`
`Interest Rate
`$1,687.53
`$0.00
`
`Interest Charge
`$33.62
`30.00
`
`4BH
`
`001
`
`7
`
`25
`
`220325
`
`0
`
`Cx
`
`PAGE 1011
`
`20 S72?
`
`620 M250 O1GRS385
`
`Ptease retum this portion with your payment, and write your account number on your check, mace payahia tn CREOMT ONE BANK,
`
`CreditOre’
`
`BAN K
`
`For address, talephone and amail changes,
`please complele the reverseside.
`Or, update your contact information ontine
`ai www.CreditOneBank.com.
`
`PAY YOUR BILL ONLINEat CreditOneBank.com
`
`Account Number: ee 71
`New Balance:
`$1,979.26
`Minimum Payment Due: $1,979.26
`Payment Oue Date:
`04/21/22
`
`CREDIT ONE BANK
`PO BOX 60500
`CITY OF INDUSTRY CA 91716-0500
`CBU ETT Tbh Were EE bobbed
`
`DMV UE edocs l Ted R bP deeb UE Dd PP a
`ANDREW FERNANDEZ
`118 PROMENADE DR
`HAMDEN CT 06514-2377
`
`goooo00 019732
`
`6 0197926 NN 4771 ©
`EXHIBIT A
`
`
`
`PO BOX98878
`LAS VEGAS NV 89193-8878
`
`CreditOne
`BANK
`
`PU fe peg lt pendadhplgefeggufedgady hoo gg lg] ppeeddenoond Egg RUG?
`S-SFMCCS50 L-SV0043
`PFYQG300305825 -700943325 105826
`
`ANDREW FERNANDEZ
`118 PROMENADE DR
`HAMDEN CT 06514-2377
`
`April 29, 2022
`
`RE: NOTICE OF SALE OF YOUR CREDIT CARD ACCOUNT
`
`Dear ANDREW FERNANDEZ,
`
`Credit One Bank is notifying you that your credit card account ending in 4771 (“Account”) with a
`balance in the amount of $1,979.26 was recently sold and we understand has since been assigned
`to the new Account owner referenced below. This letter is not an attempt to collect a debt and is
`for Account information purposes only.
`
`Midland Credit Management,Inc
`
`P.O. Box 301030
`
`Los Angeles, CA 90030
`
`English Phone: (877) 451-6680
`
`Spanish Phone: (877) 812-0488
`
`WWW.MIDLANDCREDIT.COM
`
`Unless otherwise notified by the new Account owner, all future inquiries regarding this Account
`should be directed to Midland Credit Management,
`Inc.
`For more information, please go to
`WWW.MIDLANDCREDIT.COM.
`
`Credit One Bank has requested that the major consumer reporting agencies either change Credit
`One Bank’s tradeline, with respect to this Account, to reflect the status as charged-off and sold or
`delete Credit One Bank's tradeline. This status may take up to 60 days to be reflected in your credit
`report. Please also note that this relates only to Credit One Bank’s tradeline and does not impact any
`tradeline that a future owner of the charged off Account may report.
`
`Sincerely,
`
`Credit One Bank, N.A.
`
`$V0043/6649787008
`
`P.O. Box 98873, Las Vegas, NV 89193-8873
`
`P 877-825-3242
`
`
`
`CREDIT ONE BANK CREDIT CARO STATEMENT
`Account NumberiS771
`duly 26, 2021 to August 25, 2021
`
`SUMMARY OF ACCOUNT ACTIVITY
`Previous Balance
`$1,495.78
`New Balance
`Past Due Amount
`Payments
`$100.00
`Amount Due This Period
`Other Credits
`$0.00
`Purchases
`$0.00
`Minimum Payment Que
`Payment Due Data
`Balance Transfers
`$0.00
`Cash Advances
`$0.00
`Late Payment Warming:
`Fees Charged
`$3.25
`If we do not receiva your minimum paymentbythe datelisted above,
`Interest Charged
`$28.94
`you may hava te payalale fee up to $39.
`New Balance
`Minimum Payment Warning:
`$1,432,597
`Hf you make only the minimum payment each period, you will pay more
`Credit Limit
`$1,800.00
`in interaat and it will take you longerto aay off your balance.
`Available Credit
`$367.00
`08/25/21
`Fer example:
`Statement Closing Date
`31
`Days in Billing Cycte
`‘Ifyou make no
`additional charges.
`using this card and
`gach month you pay...
`Onty ihe minimum
`payment
`
`$1,432.97
`$0.00
`$72.00
`$72.00
`Oo/21121
`
`You will pay off the
`balance shown on
`the statementin
`.
`about.,
`
`And you wil
`an estimated
`total of...
`
`P.G. Box 98873, Las Vegas, NV 89193-8873
`end up paying QUESTIONS?
`$221.18
`iv) = Variable Rate
`
`Call Customer Service or Report
`4-877-825-3242
`a Lost or Stalen Credit Card
`1-702-405-2042
`Outside the U.S. Call
`Please send billing inquiries and correspondence to:
`
`5 years.
`
`$2,148.00
`
`$56.00
`
`3 years
`
`$2,021.00
`(Savings= $127.00)
`Kf you would like a Incation for credil counseling services, call
`1-866-515-5720. Or you may visit wwwjustice.govfustlist-
`credit-caunsaling-agencies-approved-pursuant-4 1-usc-114.
`
`Refarence Number
`74071937800XTMJRL
`
`.
`
`F5727007D000CYLAC
`
`eee wei ee
`TRANSACTIONS
`Trans Date Post Data Description of Transaction ar Cradit
`0820
`0g/20
`PAYMENT-MOBILE APP
`LAS VEGAS NV
`AACRrpms
`FOSpeermeet
`09/21 THROUGH 69/21
`oaf25 ANNUAL FEE
`TOTAL FEES FOR THIS PERIOD
`
`08/25
`
`.
`; __ Interest Charged
`, 08/25 108/25=Interest Charge on Purchases
`
`. 08/25 ™ 08/25
`Interest Charge on Cash Advances
`.
`‘
`.
`TOTAL INTEREST FOR THIS PERIOD
`: PeeQherete 2021 Totals Year-to-Date
`Total fees charged in 2021
`Total interest changed in 2021
`
`$222.00
`
`NOTICE OF CHANGEIN TERMS TO YOUR CARD AGREEMENT
`Under the heading "Fees."the “Transaction Fee for Balance
`Transfers" paragraph (if it appears in your Card Agreement)
`is being removed. All other terms disclosed in your Card
`Agreement remain unchanged. Pigase keep a copy ofthis
`document with your Card Agreement for furiure reference.
`
`INTEREST CHARGE CALCULATION °
`.
`‘Your Annual Percentage Rate (APR)is the annual interest rate on your account,
`Balance Subject to
`Interest Rate
`$1,452.76
`$0.00
`
`Annual Percentage Rate (APR)
`23.90%(v)
`23.90%(v)
`
`Type of Balance
`Purchases
`Cash Advances.
`
`interest Charge
`$28.94
`$0.00
`
`S085
`
`JBH
`
`aa
`
`7
`
`25
`
`210825
`
`0
`
`PAGE 1 of 1
`
`20 5727
`
`$620 M250 O1GR5155
`
`Please retin this portion with your payment and write your a¢coudl number on your check, made payable to CREDIT ONE BANK.
`
`t
`o
`——»
`CreditOne
`RAN K
`
`For address, telephone and email changes,
`please complete the reverse side.
`Or, update your coniact information online
`at www.CreditOneBank.com.
`
`PAY YOUR BILL ONLINE at CreditOneBank.com
`Account Number.
`a 77
`New Satance:
`$1,432.97
`Minimum Paymeni Due: $72.00
`Payment Oue Date:
`09/21/21
`
`CREDIT ONE BANK
`PO BOX 60500
`CITY OF INDUSTRY CA 91716-0500
`secdeclectecso IP MMM ledelecce led Decent Mel tedellads
`
`TTP EALI
`ANDREW FERNANDEZ
`118 PROMENADE DR
`HAMDENCT 06514-2377
`
`0010000 0143297
`
`
`
`CREDIT ONE BANK CREDIT CARD STATEMENT
`Account Numbei 49.771
`March 26, 2020 to April 25, 2020
`
`$1,569.75
`$0.00
`$79.00
`$79.00
`95/21/20
`
`New Balance
`Past Due Amount
`AmountDue This Period
`Minimum Payment Due
`Payment Due Date
`Late Payenent Warning:
`\fwe do not receive your minimum paymentby the date listed above,
`you may have lo paya fale fee up to $35.
`Minimum Payment Warming:
`If you make only the minimum payment each period, you will pay more
`in interest and &will take you
`lor
`t
`ff
`bal
`.
`mene
`youllonger iG pay cit yourbarence
`For example:
`Ff you make no
`You will pay off tha
`And you wif
`additional charges
`balance shown on
`end up paying
`using this card and
`the statementin
`an estimated
`each moniyou pay...
`about...
`totatof...
`.
`Only the minimum
`payment
`
`$2,116.00
`
`$57.00
`
`$2,040.00
`(Savings= 276,00)
`i you would like a location for credit counseting services,
`
`S years
`
`call 1-866-515-5720.
`PAYMENT INFORMATION Previous Balance
`$0.00
`
`SUMMARY OF ACCOUNT ACTIVITY
`$1,435.99
`$309.95
`$0.12
`$0.00
`$0.00
`toes
`5.63
`$1,589.75
`aeeeag
`:
`04/25/20
`31
`
`Payments
`Other Credits
`Purchases
`Cash Advances
`Fees Charged
`interest Charged
`New Balance
`sep,
`eeedit
`StatementClosing Date
`Daysin Billing Cycle
`
`QUESTIONS?
`Calt Customer Service ar Repart
`1-877-825-3242
`a Lost or Stolen Credit Card
`1-702-405-2042
`Outside the U.S. Call
`Please sendbilling inquiries and correspandenceto:
`P.O. Box $8873, Las Vegas, NV 29193-8873
`
`Referenca Number
`F572700F7000FR
`
`7407 193FVGOXTMJK2
`
`F572700FVO0OY1
`F572700G3000CYLAC
`
`TRANSACTIONS
`TransData PostDate Description of Transaction or Credit
`03/27
`CREDIT ONE REWARD CREDIT LAS VEGA
`CREDIT
`PAYMENT -GEBITCARD LASVEGAS NV
`Fees
`EXPRESS PAYMENT FEE LAS VEGAS NV
`ANNUAL FEE
`05/20 THROUGH 05/20
`TOTAL FEES FOR THIS PERIOD
`
`o4fi6
`0425
`
`04/16
`
`ae
`04/25
`04/25
`
`Interest Charged —
`interest Charge on Purchases
`{nterest Charge on Cash Advances
`TOTAL INTEREST FOR THIS PERIOD
`2020 Tatals Year-to-Date
`Tatal feas charged in 2020
`Total interest charged in 2020
`
`$112.95
`$108.06
`
`INTEREST CHARGE CALCULATION
`
`Your Annual Percentage Rate (APR)is the annual interest rate on yaur account.
`Balance Subject to
`Interest Rate
`$1,717.56
`$0.00
`
`Annual Percentage Rate (APR)
`17.90%
`17.80%
`
`Type of Balance
`Purchases
`Cash Advances
`
`:
`
`interest Charge
`$25.63
`
`5385
`
`JBH
`
`001
`
`7 25 2004240
`
`PAGE1 of 1
`
`20 5727 9620 M149 O1GR5385
`
`Please retum this portion with your payment, and write your accoum number on your check, made payable lo CREDIT ONE BANK.
`
`——
`CredttOne
`BAN K
`
`For address,talaphone and email changas,
`please complals the raversa side.
`‘Or, update your contact information ontine
`at www.CredilOneBank.com.
`
`PAY YOUR BILL ONLINEat CreditOneBank.cam
`Account Number: Ee 771
`New Balance:
`$1,569.75
`Minimum Payment Due: $79.00
`Payment Due Date:
`o521720
`
`AMOUNT ENCLOSED:
`
`WU DaveceedosPaded De celi Pood ttt TEU dol
`
`CREDIT ONE BANK
`PO BOx 60500
`CITY OF INDUSTRY CA 91716-0500
`UM deedeT eb tb PTB EE
`
`ANDREW FERNANDEZ
`118 PROMENADE DR
`HAMDEN CT 06514-2377
`
`0030995 0156975 0007900NN4771 6
`
`
`
`BILL OF SALE AND ASSIGNMENT OF ACCOUNTS
`FROM CREDIT ONE BANK, N.A. TO MBC RECEIVABLES, LLCSAiraateSYREPRE,LA
`
`As of March 31, 2022, for good and valuable consideration, the receipt and sufficiency of which is hereby
`acknowledged, Credit One Bank, N.A. (“Assignor”) has transferred, has sold, has assigned, has conveyed, has granted
`and has otherwise delivered to MHC Receivables, LLC (“Assignee”), all of Assignor’sright,title and interest in and
`to (4)
`the charged-off credit card accounts identified on an account
`level basis in the data file named
`CreditOne_Fresh_Encore_042022 (the “Computer File”), a copy of which is attached hereto and ‘incorporated
`herein by reference as “Exhibit A”; and,(ii) certain related account level media or electronic copies thereof (including,
`but notlimited to applications, statements, terms and condition), and(iii) all claims or rights arising outoforrelating
`lo each account referenced on the ComputerFile (collectively hereinafter, the “Accounts”) including, but not limited
`to, all claims and rights afforded each Account by virtue of that Account's corresponding terms and conditions.
`
`The Accounts transferred under the terms of this Bill of Sale and Assignment of Accounts were each
`transferred to Assignee immediately following chargeofffor each applicable Account, as shown in the ComputerFile,
`With respect to information for the Accounts, Assignor represents and warrants to Assignee that the business
`records conveyed to Assignee relating to: (i) the Accounts issued by Assignor; and (ii) the sale and assignment of
`Accounts by Assignor(collectively, the “Business Records"), are kept by Assignorin the regular course ofits business.
`It is in the regular course of business of Assignor for an employee or an authorized representative with personal
`knowledge of the act, event, condition, or opinion (collectively “Event’) to be recorded; to make the appropriate
`memorandum or recording of the Eventat or reasonably nearthe time of the Event. Furthermore, Assignor represents
`and warrants to Assignee that the Business Records are materially complete and accurate, and thoroughly embody the
`information in Assignor’s-custody and control for the Accounts from their creation until
`the time of transfer to
`Assignee. These representations and warranties are intended to augmentany other representations and warranties the
`parties may havein place and not supplant any other existing warranties and representations.
`
`This Bill of Sale and Assignment of Accounts shall serve as evidence of ownership for the Accounts
`conveyed hereby and shall serve as an acknowledgment, asratification, and as evidenceofthe intentofthe parties to
`transfer the Accounts.
`
`CREDIT ONE BANK,N.A.
`
`ee
`Michael Wiese
`Vice President
`
`EXHIBIT B
`
`
`
`EXHIBIT A
`
`ACCOUNT SCHEDULE
`
`The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_Encore_042022with
`such electronic file incorporated herein by reference.
`
`
`
`BILL OF SALE AND ASSIGNMENT OF RECEIVABLES
`FROM CREDIT ONE BANK, N.A. TO MHC RECEIVABLES, LLC
`
`As of March 31, 2022, for good and valuable consideration, the receipt and sufficiency of which is hereby
`acknowledged, Credit One Bank, N.A. (“Assignor’) has transferred, has sold, has assigned, has conveyed, has granted
`and has otherwise delivered to MHC Receivables, LLC (“Assignee”), all of Assignor’s right, title and interest in and
`to (i)
`the
`receivables associated with
`each and every account
`referenced in
`the data file named ~
`CreditOne_Fresh_Encore_042022
`(the “Computer File”), a copy of which is attached hereto and incorporated
`herein by reference as “Exhibit A”; and,(ii) all claimsorrights arising out of or relating to each of those Receivables
`(hereinafter, the “Receivables”).
`
`The Receivables transferred under the termsof this Bill of Sale and Assignment of Receivables were each
`transferred to Assigneepriorto the charge off of the associated accounts, as shown in the Computer File. This Bill of
`Sale and Assignmentof Receivables evidences the intent between the parties for the transfer of the Receivables, acts
`as an acknowledgement of those transfers, and, to the extent necessary, ratification of the transfers.
`
`With respect to information for the Receivables, Assignor represents and wacrants to Assignee that the
`business records conveyed to Assignee relating to the Receivables (the “Business Records”), are kept by Assignor in
`the regular course ofits business, [t is in the regular course of business of Assignor for an employee oran authorized
`representative with personal knowledge ofthe act, event, condition, ar opinion (collectively “Event") to be recorded,
`to make the appropriate memorandum or recording of the Event at or reasonably near the time of the Event,
`Furthermore, Assignor represents and warrants to Assignee thal the Business Records are materially complete and
`accurate, and thoroughly embody the information in Assignor’s custody and controi for the Receivables from their
`creation until the time oftransfer to Assignee. These representations and warranties are intended to augment any other
`representations and warranties the parties may have in place and not supplant any other existing warranties and
`representations.
`‘
`'
`
`This Bill of Sale and Assignment of Receivables shall serve as evidence of ownership for the Receivables
`conveyed hereby and shall serve as an acknowledgment,as ratification, and as evidenceofthe intent of the parties to
`transfer the Receivables.
`
`CREDIT ONE BANK,N.A.
`
`Michael Wiese
`Vice President
`
`
`
`EXHIBIT A
`
`ACCOUNT SCHEDULE
`
`The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_Encore_042022 with
`such electronic file incorporated herein by reference.
`
`
`
`BILL OF SALE AND ASSIGNMENT OF RECEIVABLES
`FROM MHC RECEIVABLES, LLC, TO FNEM, LLC
`
`As of April 22, 2022, MHC Receivables, LLC (“Assignor”), for good and valuable consideration, the receipt
`and sufficiency of whichis hereby acknowledged, has periodically transferred, has sold, has assigned, has conveyed,
`has granted and has otherwise delivered to PNBM, LLC,
`(“Assignee”) all ofiis rights, title and interest in and to (i)
`the receivables identified and specifically referenced for each of the accounts on an account level basis on the data file
`titled CreditOne_Fresh_Encore_042022 attached hereto and incorporated by reference as “Exhibit A” ; and(ii) all
`claimsor rights arising out of orrelating to the account level receivables (hereinafter the “Receivables”),
`
`With respect to information for the Receivables, Assignor represents and warrants to Assignee that the
`business records conveyed to Assignee relating to the Receivables (the “Business Records”), are kept by Assignorin
`the regular course ofits business. It is in the regular course of business of Assignorfor an employee or an authorized
`representative with personal knowledge ofthe act, event, condition, or opinion (collectively “Event’) to be recorded,
`to make the appropriate memorandumor recording of the Event at or reasonably near the time of the Event.
`Furthermore, Assignor represents and warrants to Assignee that the Business Records are materially complete and
`accurate, and thoroughly embody the information in Assignor’s custody and control for the Receivables from their
`creation until the time of transfer to Assignee, These representations and warranties are intended to augment any other
`representations and warranties the parties may have in place and not supplant any other existing warranties and
`representations,
`.
`
`This Bill of Sale and Assignment of Receivables shall serve as an acknowledgment,as ratification, and as evidence
`of the intent of the parties to transfer the Released Receivables referenced herein.
`
`MHCReceivables, LC
`
`Mark Rufail, Authorized Representative
`
`
`
`EXHIBIT A
`
`ACCOUNT SCHEDULE
`
`The Accounts thatare specifically identified in the electronicfile named CreditOne_Fresh_Encore_042022, with
`such electronic file incorporated herein by reference.
`
`
`
`BILL OF SALE AND ASSIGNMENT OF RECEIVABLES:
`‘FROM FNBM, LLC. TOCREDIT ASSET SALESLLC
`‘OnsApri22,2022,FNBM, LLC(“Assignor’), for good aridvalualiléconsideration, the receipt of whieh jis-
`hereby ackriowledged, hereby transfers,sells,‘assigns,conveys, grants and:delivers:to:Credit:Asset.Sales’ LLC
`CAssignee”),all_ofits rights, title and: interest:in-and to-(i},lhereceivables,‘identified. and specifically.referenced for.
`_each of the accounts'onan accountlevel-basis onilie:datafile,titled CreditOne_Fresh_Encore_042022:‘atlacted
`“hereto.and.incorporated.‘by refarence-as “ExhibitA”; and Gi):callclaums or rights,rising out ofor.relating.to.the
`receivables (hereinafterthe “Receivables”).
`‘This Bill ofSale and Assigtimentof Receivables shall. serve as evidence Of‘Swittrship:forsany “Ofthé’
`
`Receivablesconveyed hereby.
`
`‘With respect 10 information for,the-Receivables, MHC Receivables; LLC MHC"),fepresents andwarrants
`10 Assignee that’the business recordsconveyed taAssignee relatingto theReceivables‘(the “Business:‘Records’'S,.are.
`kept by MHCin‘the regularcourse-of its business: {iis inthe regular éourse of business‘ofMHC foran-cinployee or
`an authorized representative:with ‘potsonal Knowledge ofthé act,event, condition; oropinion (coltectively “Event"?)
`Io berecordéd, to.1iake theappropriate memorandiun oF fécording ofihe Eventator reasonably near thé time of the
`“Evéit. Furthermore, Assignor fepresents and warrantsto ‘Assigneethat the BusinessRecords are materially. complete
`and accurate, and thoroughly embody|ihe information jin Assignor’'s custody and Control for the Receivabtes.from their
`creation ualil thetimeoftraisfer to.Assignce. ‘Thesesepresentations,andwarrantiesare:intended ioaugmentany other
`répresentations ‘and’ warranties: the parties may: ‘have in place and. not supplant:‘any other existing warranties: and
`representations.
`
`
`
`Mark Rufail, Authorized Representative
`
`
`
`EXHIBIT A
`ACCOUNT SCHEDULE
`
`The Accountsthat are specifically identified in the electronic file name CreditOne_Fresh_Encore_042022, with
`suchelectronic file incorporated herein by reference.
`
`
`
`BILL OF SALE AND ASSIGNMENT OF ACCOUNTS
`FROM MHC RECEIVABLES, LLC TO CREDIT ASSET SALES LLC
`
`On April 22, 2022, for good and valuable consideration, the receipt and sufficiency of which is hereby
`* acknowledged, MHC Receivables, LLC (“Assignor”), hereby transfers, sells, assigns, conveys, grants and otherwise
`delivers to Credit Asset Sales LLC (“Assignee”), all of Assignar’s, nights title and interest in and to (i) the charged-
`off accounts identified on an account jevel basis in the data file named CreditOne_Fresh_Encore_042022
`(the
`“Computer File”), a copy of which is attached hereto and incorporated herein by reference as “Exhibit A”; and,(ii)
`certain related account level media or electronic copies thereof (including, but notlimited to applications, statements,
`terms and condition), and (iii) all claims or rights arising out of or relating to each referenced account (collectively
`hereinafter the “Accounts’’) including, but not limited to, atl claims and rights afforded each account by virtue of that
`account's corresponding terms and conditions.
`
`With respect to information for the Accounts describedin the related ComputerFile, Assignor represents and
`warrants to Assignee that the business records relating to: (i} the Accounts owned by Assignor, and (ii) the sale and
`assignment of Accounts by Assignor (collectively, the “Business Records”), are kept by Assignorin the regular course
`of its business. It is in the regular course of business of Assignorfor an employee or an authorized representative with
`personal knowledge of the act, event, condition, or opinion (collectively “Event’) to be recorded, to make the
`appropriate memorandum orrecording at or reasonably near the time of the Event. Furthermore, Assignor represents
`and warrants to Assignee that the Business Records are roaterially complete and accurate and thoroughly embodythe
`information in Assignor's custody and control for the Accountslisted in the Computer File from Assignor’s receipt
`of those Accounts until the time of transfer to Assignee, These representations and warranties are intended to augment
`any other representations and warranties the parties may have in place and not supplant any other existing warranties
`and representations,
`
`This Bill of Sale and Assignment of Accounts shall serve as evidence of ownership for any of the Accounts
`conveyed hereby.
`
`MHCReceivables, LLC
`
`Mark Rufail, Authorized Representative
`
`
`
`EXHIBITA
`
`ACCOUNT SCHEDULE
`
`The Accounts that are specifically identified in the electronic file named CreditOne_Fresh_Encore_$42022, with
`such electronic file incorporated herein by reference.
`
`
`
`AFFIDAVIT OF CREDIT ONE BANK,N.A., FNBM, LLC, AND MHC RECEIVABLES, LLC
`
`Exhibit G
`
`} }
`
`)
`
`ss.
`
`STATE OF NEVADA
`
`COUNTY OF CLARK
`
`Your Affiant, Michael Wiese, being first duly sworn, states under oath as follows:
`
`[ am a Vice President of Credit Qne Bank, N.A. (“Credit One”), and an
`}. My name is Michael Wiese.
`authorized representative of Credit One, FNBM, LLC (“FNBM”), and MHC Receivables, LLC (“MHC”). Iam over
`the age of eighteen and authorized to make this Affidavit on behalfof Credit One, FNBM, and MHC, If called as a
`witness, I can testify to a court competently as to my knowledge of the facts contained herein.
`
`2. As part of my regular job duties, I have access to and routinely review the business records of Credit One,
`MHC,and FNBMrelated to accounts and associated receivables originated, serviced, and charged-off by Credit One.
`Such records include those maintained by or on behalf of Credit One, MHC and FNBMin the ordinary course of each
`entity's business with regard to the sale and assignmentof Credit One's, MHC’s, and FNBM’s accounts andassociated
`receivables.
`
`3. The facts stated herein are within my personal knowledge and are based on my review ofthe relevant boaks
`and records available to me.
`
`4. Assionmentor Sale of Receivables.
`
`Bach day, pursuant to the terms of self-executing purchase agreements, any new receivables
`a.
`(“Receivables”) associated with the Accounts (as defined below), are sold by (a) Credit One to MHC,as
`evidenced by a Bill of Sale and Assignment dated as of March 31, 2022, by Credit One in favor of MHC, a
`capy of whichis attached hereto, and then (b) MHC to FNBM,asevidenced by a Bill of Sale and Assignment
`dated as of April 22; 2022, by MHC in favor of FNBM,acopy of which is attached hereto.
`b.
`. On or about April 22, 2022, FNBM sold the Receivables to Credit Asset Sales LLC (“Credit Asset
`Sales”), as evidenced by a Bill of Sale and Assignmentdated as of April 22, 2022, by FNBM in favor ofCredit
`Asset Sales, a copy of which is attached hereto.
`
`5. Assignment or Sale of Accounts,
`
`On or about Mareh 31, 2022, Credit One sold a pool of charged-off accounts (“Accounts”)
`a.
`associated with the Receivables to MHC,as evidenced by a Bill of Sale and Assignment dated as of March
`31, 2022, by Credit One in favor of MHC,a copy of whichis attached hereto.
`
`On or about April 22, 2022, MHC sold the Accounts to Credit Asset Sales, as evidenced by a Bill
`b
`ofSale and Assigriment dated as of April 22, 2022, by MHCin favor of Credit Asset Sales, a copy of which
`is attached hereto.
`
`6. Neither Credit One, FNBM, nor MHCretains any rights to receive payments, or to collect on the Accounts
`or Receivables. As demonstrated in the preceding, the Accounts and Receivables are ultimately reunited andall rights,
`litle, and interest in the Accounts and Receivables are ultimately held by Credit Asset Sales. Sections 4 and 5 ofthis
`Affidavit shall hereinafter be referred to
