Complaint Limited Filed by Assignee 5KCal. Super. - 6th Dist.November 20, 2020E-FILED 11/20/2020 2:35 PM Clerk of Court Superior Court of CA, County of Santa Clara 20CV373867 Reviewed By: R. Tien 20CV373867 JACK H. POGOSIAN, State Bar No.2 305741 MANASI TAHILIANI, State Bar No.: 272821 A 1 CHRISTINA ARNOLD, State Bar No.; 297590 ’v“ "‘ ryn P. Berk 3 1 7565 HYO JIN JULIA JUNG, State Bar N0.: 316090 2 MELINE GRIGORYAN, State Bar N0.: 321 133 3 CAROLINA PINHEIRO, State Bar N0.: 259875 NICHOL ALAN DE GUZMAN, State Bar N0.: 3 14989 4 350 CAMINO DE LA REINA, SUITE 100 5 SAN DIEGO, CA 92108 ‘ Telephone: (866) 300-8750 6 Facsimile: (858) 309-1588 Attorneys for Plaintiff 7 SUPERIOR COURT 0F CALIFORNIA 8 COUNTY OF SANTA CLARA 9 DOWNTOWN SUPERIOR COURT 10 MIDLAND CREDIT MANAGEMENT, INC. Case No. 1 1 Plaintiff, COMPLAINT FOR: 12 vs. (l) Account Stated 13 JUDD XAVIER; PRAYER AMT: $1,814.53 and DOES 1 through 10, inclusive LIMITED 1 4 Defendant. 15 MIDLAND CREDIT MANAGEMENT, INC, ("Plaintiff"), by counsel, sues JUDD XAVIER, (“Defendant”) under Account Stated and in support thereof states: 16 1. Plaintiff is authorized t0 d0 business in CALIFORNIA, with its principal place 0f business at 350 17 CAMINO DE LA REINA SUITE 100 SAN DIEGO CA 92108. Plaintiff owns portfolios 0f 18 consumer receivables, which it attempts t0 collect. Plaintiff strives t0 treat it’s consumers, such as 19 Defendant, with respect, compaSSion and integrity, hoping to provide mutually-beneficial opportunities for consumers t0 repay their debts and attain financial recovery. 20 2. Defendant is a resident 0f SANTA CLARA County, State 0f California and is subject t0 [his 21 Court’s jurisdiction. 22 3. Plaintiff is unaware of the true names and capacities 0f Defendants sued by the fictitious names 2% DOES 1 through IO. Plaintiff will ask leave 0f court t0 amend this complaint as and when the ‘ true names and capacities 0f Defendants named herein as DOES l through 10 have been 24 ascertained. 25 Pursuant to California Civil Code (“CA CIVIL”) §1788.58(a)( 1 H9), Plaintiff alleges: 26 4 Plaintiff is a debt buyer as defined by CA CIVIL §1788.50(a). 27 28 CA 0132C File N0.: 20-20472] .1 _ COMPLAINT 10. Defendant established a credit account (the “Account”) with CREDIT ONE BANK, N.A.. The amount due is the result 0f transactions that occurred 0n the Account. Defendant was provided statements evidencing Defendant’s use 0f the Account and the balance due. Defendant failed to make the required payments and subsequently defaulted 0n the Account 0n March 01, 2019. Thereafter, Plaintiff was assigned all rights, title, and interest in the Account. Plaintiff is the sole owner Ofthe debt. Attached as Exhibit A is a true and correct copy 0f the Bill 0f Sale from Credit One Bank, N.A., t0 Plaintiff. The Account was purchased by Plaintiff 0n December 20, 20 1 9. The Account balance at the time of charge-off was $1,814.53. Plaintiff alleges that the date of default is March 01, 2019 and the date of the last payment was August 16, 2019. The name 0f the charge-off creditor at the time 0f charge-off is CREDIT ONE BANK, N.A.. The address utilized by CREDIT ONE BANK, N.A. at the time 0f charge-off was P.O. BOX 98873 LAS VEGAS,NV 89193. At the time 0f Charge off, the account number associated with the debt was XXXXXXXX-XX-2 128. The name 0f the debtor as it appeared in the records 0f CREDIT ONE BANK, N.A. is JUDD XAVIER and the last known address as it appeared in the records 0f CREDIT ONE BANK, N.A. is 295 OMIRA DR SAN JOSE CA 95123. The name and address 0f all post Charge-Off purchasers 0f the debt are as follows: Name Address MHC RECEIVABLES, LLC PO. BOX 98873 LAS VEGAS NV 89193 SHERMAN ORIGINATOR III LLC P.O. BOX 98873 LAS VEGAS NV 89193 MIDLAND CREDIT MANAGEMENT, 350 CAMINO DE LA REINA SUITE 100 SAN INC. DIEGO CA 92 | 08 Plaintiff has complied with the provisions 0f CA CIVIL §1788.52. Plaintiff informed Defendant of the assignment of the Account. Pursuant t0 CA CIVIL §1788.58(b), attached as Exhibit B is a true and correct copy 0f a monthly statement recording a purchase transaction, payment, 01‘ balance transfer while the Account was active as required by CA CIVIL §l788.52(b). Attached as Exhibit C is a true and correct copy of a billing statement that was mailed to Defendant stating the balance due 0n the Account at 0r around the time 0f charge-off. 7 CA_013ZG File N05. 2020472] COMPLAINT \JQM-P 10 11 12 13 14 16 17 l9 20 2 1. 22 24 25 26 27 28 15. 16. 17. 20. 21. Plaintiff acquired a1] right, title, and interest t0 the Account. To the extent that Plaintiff acts in its capacity as successor-in-interest to the original creditor 0r its assigns, references herein t0 Plaintiff may include Plaintiff’s predecessor-in-interest. Plaintiff has attempted t0 contact Defendant through several means in an effort t0 resolve the Account, but has been unsuccessful. Defendant has not repaid this debt. Plaintiff works with consumers like Defendant t0 find mutually acceptable solutions, often Offering discounts, hardship plans, and a variety 0f payment options. The majority 0f Plaintiff‘s consumers ignore calls 0r letters, and some simply refuse t0 repay their Obligations. When this happens, Plaintiff must decide whether t0 pursue collection through legal channels, including litigation such as the present action against Defendant. Nonetheless, Plaintiff remains interested in discovering a mutually beneficial solution through voluntary payments, if possible, in this case. Before commencement 0f this action, Plaintiff informed Defendant in writing, that it intended t0 file this action and that this action could result in a judgment against Defendant that would include court costs allowed by California Code 0f Civil Procedure § 1033(b)(2). FIRST CAUSE OF ACTION ACCOUNT STATED Plaintiff realleges and incorporates by reference [he foregoing paragraphs. An account was stated in writing between Defendant and CREDIT ONE BANK, N.A.. Defendant opened and derived benefit from the Account. By using the Account, Defendant expressly 0r impliedly promised t0 repay CREDIT ONE BANK, N.A.. Within the last four years, Defendant became indebted 0n the Account. On the Account, a balance 0f $1,814.53 was stated t0 be due to CREDIT ONE BANK, N.A. from Defendant. Plaintiff has n0 record 0f Defendant objecting t0 the balance due. Before the commencement 0f this action, Plaintiff was assigned the Account and indebtedness. Plaintiff is now the sole owner 0f the Account. Plaintiff has made a demand 0n Defendant for repayment 0f the Account, but Defendant has failed t0 pay the balance due. The current balance presently due and owing is $1,814.53 Which includes payments, set- Offs, credits 0r allowances, if any, at 0r after Charge-Off. 2 CA_OI32G File No: 20-20472! COMPLAINT 1 2 WHEREFORE, Plaintiff requests judgment against Defendant for $1,8 14.53, costs 0f this action 3 and post judgment interest at the statutory rate. Plaintiff waives any Claim for pre- judgment interest and attorney's fees. 4 5 6 7 Dated: H / I l /ZQ MIDLAND CREDIT MANAGEMENT, INC. 8 9 C S é D JACK H. POGOSIAN 1 1 D MANASI TAHILIANI D HYO JIN JULIA JUNG 12 D MELINE GRIGORYAN D CHRISTINA ARNOLD 13 D CAROLINA PINHEIRO 1 4 D NICHOL ALAN DE GUZMAN 15 n ,,ba'firyn P. Berk 317565 16 1,7 l8 19 20 2] 22 23 24 25 26 27 28 4 COMPLAINT CA_0132G File N0; 20-20472] A A:Az- run EXHIBIT A BILL OF SALE AND ASMGNMENT 0F ACCOUNTS AND RLCEEV’ABLFS FROM SHERMAN ORIGINATOR III LLC TO MIDLAND CRLDI'! M ihAGIZ‘VIENT INC Sherman Qriginator III LLC {“Sefiar”)! the awner 0f certain accgunts and assaciatezf reeeivabies (heremafmr referrad E0 coiiectiveiy as “Purchased Aamunts“) far value receivcd and in accordance with the terms of the Purchase and Sake Agreement by and beéween 3:31.13: and Midland Credit Managément Inc (“Buyer ‘) dated as 0f fanuary 21, 2319 ( ‘Agreemefl’ )9 does hereby sci}, assign and transfer t0 Buyer? its successors and assigns, all righti title and interest in and t0 the Purchased Acaounts as describaci on thé camputer file named 28191217 Cthi’f Sinai Sale Excei CreditflngEncore_De<:19 62891;_6846111 append data (She “Compuiar Fibs” j}, a cop} 0f which 13 atiaehed hemm and incorparated harem by rafalence as “Exhibit A” Thig Bil} cf Sate and Atasignment of Ascaunts and Receivabies is subject ts the {arm’s of the Agreement and £5 made without represeniations and warranties 0f argy kind Q: character except as expressly stated in the Agreement, {)r as expressly stated below. With raspect to infarmaticm for the Purchased Accoums; described in {ha reis'zed Camputer File ta {he beg”: 0f Seller’s knawiedge, Seifcr represents and warrants to Buyer that such infoma:1011 ii) is materialiy compiete and accurate (ii) cansnmms Selker‘ s awn business rascals that pertain to the Purchased Amounts and accurately reflects in al‘i marshal respects the infermatian in Seiier’s database; (iii) was kept in the. raguiar ceurss 0f Saller’s business; (iv) was mafia, entered 0r cempiied in :he regukar ceurse 0f business; (v) was regarded at 0r near the firm: the undefiymg activity occuned, by a person with kngwledge 0f the data raceréed; {vi} has been acwrately maintained in Selier’s database since it was recorded there; and (vii) it is the segular practice 0f Seilai’s business t0 maintain and cempile such data. This Bill 0f Sale and Assigmneni of Accounts and Receivabks may be enterad as evidsnce 0f ownership for any cf ihe Purchased Accsuats conveyed hereby: Clusing date; December 26, 2019 SHERMAN ORIGINATOR III LL63 By: {M (WWW? Name ‘_ Jatfifzazzzoké W ;._ Title: (f wag} MIB‘LANDQREDZT MANAGEMENT; INC. Egg €51 r&b‘g- gl‘iilé' RU? L ag Lug! flifilqfiwk4‘ BILL 0F SALE AND ASSIGNMENT 0F ACCOUNTS FRQM CREDIT ONE. BANKLNA. IQ 35mg RECEIVABLES, Lye As of November 30, 2019, for good and valuable. consideration, the receipt and sufficiency 0f which is hereby acknowledged, Credit, One Bank, NA. (“ASSignor”) has transfar'red, has sold‘ has assigned, has canveyed, has granted and has otherwise delivered to MHC Receivables, LLC (“Assignee”). ali 0f Assignm's right, title: and interest in and to (i) the ch3rged-gff credit card acmuan identified 0n an account level basis:- in tbs dam fiie named CreditOnefiEncoreJZZOi‘) {the “Computer File"), a copy of which is attached hereto and inéorparated herein by reference as ‘Exrnjbit A"; and, (ii) certain relazed accaunt level media 0r electronic copies therecxf (including, but not limited t0 applications, statemems, terms and condizion): and (iii) all claims or rights arising out of, or relating m each account rcfcrcnccd on Lhe Computer File (collemively hereinafter? the “Accounts") including, but not limited to, 3H claims and rights afferdad each Account by virtue, 0f that Account’s corresponding terms and conditions "l'he- Accounts transferred under [ha terms of {his Bill of Sale and Assignment of Acccmnts were each transferrad t0 Assignee immediately following charge. offfor each applicable: Account, as shown in the. Computer File. With respect to information for the Accounts, Assignor represents and warrants to Assignee that the business records conveyed to Assignee relating t0: (i) the Accounts issued by Assignor; and (ii) the. sale and assignment of Accounts by Assignor (collcclively, the “B usiness Recmds"), are. kept by Assignor in the reguia'r course or” its business. II is in the regular course 0f business of Assignor for an employee 0r an authm‘ized representative with personal knowledge 0f Ehs act, event, condition, 0r opinion (policctivcly “Even£”) to be rammed, m make. the appropriate memorandum 0r recording 0f [he Event at 0t reasonably near the time of the Event. Furzhermore, Assignor represents and warrants to Assignee that the Business Records arc: materiaily complete and accurate, and theroughly embody the information in Assignm's custody and cannot for the Accounts fmm {heir crcaticn umil the time af transfer to Assignee. These representaticns and warranties are intended m augmém any other reprasenmtions 311d warraniies the pariies may have in pizza: and not supplant any other existing wananties and representaiions‘ This Bill 0t" Sale and Assignment. 0f Accounts shall serve as evidence of ownership Fer the Accounts conveyed hercby and shall serve as an acknawiedgmem, as ratification, and as avidance of Ehe imam 0f {he partias to transfer aha- Accounts CRE 1T ONE- BANK, NA; ' arwlod Vice President EXHIBIT A ACCOUNT SCHEDULE The Accuunls pursuant lo the BILL OF SALE AND ASSIGNMENT OF ACCOUNTS FROM CREDIT ONE BANK, NA. TO MHC RECEIVABLES, LLC that are specifically identified in the electronic file namad CreditOne‘EncoreJZ'Zflw with such electmnic file inccrporated herein by reference. BILL OFSALE AND ASSIGNMENI QB RECEIVABLE FROM CREDiT ONE BANE, NA. T0 MHCRECEIVABLE, L‘LC As 0f November 39, 2-019, far good and valuable cansiderafiam the: recap: and sufficiéney of which is hereby acknowledged, Credit One Bank, NA. (Afisignof’) has; araflsi’erred, has said, has assigned, has conveyed? has granted and has cherwise delivered t0 MHC Receivables, LLC (“Assigneg’l all Gf Assigmr’s right? title- and interest in and EC: (i) the regeivaiiales a$saciated with each and aver}! acamnm referanced in the data file named CfEtiitOnehEncnreslflfllfi (the “Campuier Fife”), a capy Bf which is; attached harem and incnrporated herein by referanca 35 ‘Exhibit A”; and, (ii) an ciaims 0r rights arising cm: of or reiating t0 each Qf these Recsivabies (hereinafter, the “Receivables"j}. The Receivables transferred under the terms of this Bill 0f Sale and Assignment. of Receivables were each transferred t0 Assignee prior t0 the charge. off 0f the assaciated accaunts, as shown in the Computer File. This Bil! of Sale and Assignment 0f Receivables evidences the intent between {he parties fur the transfer 0f the Reccixfablas‘ acts as an acknowledgement 0f those- :ransfets, and, to the» extent necessary, ratificatian of the transfers. With respact torinformatian for the Receivables, Assignor represems afld warrants t0 Assignee that the business records conveysd L0 Assignee relaiing t0 the Receivables {the “Business Recurdsi”), are kept by Assignar in the regular caurse of its businass. It is in {he regular course of business 0f Assignm f0: an cmglcwec 0r an autharized representativs with personal knowledge 0f [he act, event! condition, 0r opinion {collectively “Event”) t0 be rammed, m make the appmpn‘ate. memorandum m recerding 0f the. Event at 0r reasenabiy near the time 0f the Event. Furthermore, Assignor represents and warrants E0 Assignae that {he Businegs Records are mterially camgxlete and accm'aie, and thumughly Gmbady the information in Assigner’s custedy and csntml for the Receivabies fmm their craau’on until the time; 0f trans far m Assignee. These: reprasentaiians and warranties are intended {0 augment any other representations and warranties the panies may have in place. and net supplant any ether existing warranties and representatiuns. This Bin {sf Salt: and Assignmem Qti‘ Ruenahtu Shall aux; as avidems cf sxvnership far thé Receivablas canveysd hereby and shall Serve as an acknowiedgmanu as ratification? and 2:3 evidence DE the intent 0f the partia-S t9 transfer (he Receivables. CREDIT ONE BANK, NA. "‘1! 31 00d Vice Pregident WEXHKBITA ACCGUNT SCHEEE‘LE The Receivabies pursuant {c the BILL QE- S‘ALE AND ASSIGNMENT OF RECENABLES FROM CREDlT ONE BANK NA, TO MHC RECEIVABLES, LLC that are spacificafly identified in the ciectxmic file namal CredithedEncoreEIZZDIS} with such eieczmnic file incogparated herein by reference. BLLL 0F SALE: AND ASSIGNMENT 0F RECEIVABLES FgoM MHC RECEIVABLE. LLC To FNBMLLLC As (1f Dgcember .17, 2019, MHCI Recarivablesi LLC (“Assignor”): far ggod and valuable cansideraticm {he raceipt and sufficiency (3f which is hereby acknowledged, has perigdicaijy transferred, has sold, has assigned, has cenveyed, has granted and has othenvise delivered tn F‘NBM, LLC (“Assignce”) ai} 0f its rights, title and interasz in 3nd t0 (i) the receivabl’es identified and specifically referenced fer each 0f the accounls on em accaunt ievel basis 0n the. ciata file: titled CreditheuflncarerZflIQ attached harem and incozparated by reference as “Exhibit A” ; and (ii) aii claims 0r rights arising nu: 0f 0r relating 10 the acceunt level receivables (hereinafter the “Receivabiesfli With respEC-t t0 infarmation fer the Receivables, Assignar represents and warrants. to Assignee that this business records conveyed m Assignee. relating {o the Receivabies {the “B usine-as Remrds”), are kept by Assignor in the- mgular course 0f its business. It is in [he regular ceurse of business 0f Assignor for an employee 0r an authorized representative with personal kngwledge of the. act, 3mm, condition, 01* Qpim'cm {celiectjveiy ”Event”) t0 be recmdcd, to mafia the appropriate memorandum or recording 0f the: Event 3t 0r reasonabiy neat the time- of ths Event. Furthermore, Assigner repzesents and warrants i0 Assignee that tile Business Records are materially comgiete and accurate; and thoroughly embody the infarmatisn in Assignm’s cusmdy and control for the Receivables fmm their creatien until the time 0f transfer t0 Assignec. These representations am} warranties are intended t0 augment any other reprcgentaticns and wmanties [he paflias may have in place and not supplant any other existing warranties and representatiuns. This Bill of Sale and Assignment 0f Receivables; shall serve a5: an ack'naw’ledgmcnt, as ratificafian, and as evidence 0f the imam 0f the pattieé: 13:3 transfer the Released Receivables referenced herein. MHC Receivables, LLC g Mark Rufaii, Authorized Representativa EXHIBIT A ACCQUNT‘ SCHEDULE The Receivables pursuant ta tin: BILL OF SALE AND ASSIGNMENT C31: RECEIVABLES FRQM MHC RECEIVABLE; LLC TO FNBM, LLC: that are specificafly identified in Lhe eieatranic file named CrefiitOneflEnmrefllZZGi‘), with Such element: File incsrpurated herein by refarance. B§LL QF SALEAg g AS531 ViiEVT OF RECEIVABLES FRQM FNBW LQCT SHERMAfiE GRIGWATOR m [LC {)n December l7 2M? FNBM Ll Cf XS};signm:>r"'}sf:r‘ ‘gddndmitmhk unmiprgumn {E13 ruupmfwhsch is hcrEb}; anknowicdvgd herch; :rmafcm se ifs ass igns, game grams and dgiaurx m Sherman Urmnatur Iil LLC {j finswna r} 31E Bf iii; ngh fiilé: and interest m and 1:} {é} 1.5:: rt: :Imblu Kicmmcd {ind ‘fipguhcazh’ raiugnmd Ifi’r cgah Qf {he accoums {m ariacmuné lave! basis rm thc. data Eh: titicd Creditflne Encfire 12-21319 aiiaa;heé harem "and incarpumted by rerarence as Exhibit 2'5. ; and {ti} 311 Ciain s m rights arising out 0f or {££££ng tn the tacanal“! (hereinafter the “Racivablcfl With EaSpec: EU mimmgfiu n fin” {hc- Reccwdblza A532:trim“ ftprasentg and \i. azmnt’s [1} Assignie that tht; bushes: racarés reiating ta {he Recaivables (the 'Busincsg Racarésw‘g arc kapt by Agsignar m the: regular cauxse 6f its business. Ii. is in Ehe: remiar merge 0f basiness 0f Assigns): fay: am empluyee or an aulhanzed repre-Samative with perscmai knowicdge (3f Ihc am "mm mndis‘ion, gr (jspinian (Laikcinu Ewm 3:0 be recorded, [a make Lhe apfirfipriaic mfimumndum Of :murdmv at 0r rmwndbh naa‘r Eh: iime DIfihe Event Furihitrmcrt’: ASSigfim rspresénts and mu rants t0 Assignrc {hat the Busineag Recards arc materiafiy camplcte and accuiaie anti thegmughly embady iha- inmrmaiigu in, Assigmr 3 cusmd}; and canurfi for that Recchabies imm Assignm s rccsipt =01: Elms; Receivables mm} the time 0f transfer U) Assignée These r&praseniat’ims 3nd wzmamiérs are intandgd £0 augmam any other represenmtians and marrying; {ha parties may have; én pigca and fiat suppiant any mher exisring warranties and rfiprfiSéniafiflnS This BiEI Cf Sale and Assignmam mi ixmuubl s 311311 saws: 213 avidenca 0f (minership far any €21“ the Receivables cunveyed harem. Emmi LLC. EXHIBIT A ACCOUNT SCHEDULE The Rficeivables pursuant £0 the BILL- QF SALE AND ASSIGNMENT C313 RECEIVABLES FRDM FNBM LLC TO SHERMAN ORIGINATQR TH, LLC that are. specificafiy idenfified in the eiectmnic; file gamed CredithemEncareJZZfl19, with Such aiecmmic file inqmporated herein by rgfizrence, BILL 0F SALE AND ASSIGMJENT 0F ACCOILNTS ERQM MEC RECEIVABLE. LLC T0 SHERMAN ORIGINATQRJII L‘Lg Of: Dééembér 17, 2019, fat gGQd and vaiuable cmsideratiun? {ha- receipt and sufficiancy 0f which is hereby asknchwledgedg MEET. Receivable; LLC (“Assigner”), hereby transfers, sang, assigm, canveys. grants and atherwise. daiivars IQ Sherman Qriginam: III LLC ("Assignaa’m all 0f Assignoz's, rights title and inmregt in and t0 (i) the: chargedwff accmmts idenfifieé on an accsum level basis in, {he ciaEa flic- named Creditflnejincotejllfllfil {the “Camputer File”), a mp}: 9f which is attached hereto and incorpa'rated herein by reference as “Exhibit A”; and, (ii) certain relatad accnuni Eave! media 0r electronic capies thereof (including, bu: n0: iimited u: applicatians, statements, {arms and condition}, and {iii} all claims er rights arising Gut cf or reigning ta each referenced azwum (collactive-iy hereinafter the “Accaunts’? including; but not limiicd m, ail claims and rights afforded each account by- virtue of {hm account’s carrespanding terms and condi‘rigmsg With respect m infurmatian for the Accounts described in the related Computer Pike, Assigngr represents and warrants m Assignee. that [he business racetds reiating to: (i) the Acceunts owned by Assignorg and (ii) the sale and assignment 0f Accounts by Assignor (coilectively, the “BuSiness Records”), are kept by Assignor in the regular course: of its businfis; It is in the regular 3011153 of business Of Assignor far an employee 0r an aathcrized representative with persenal knuwiedgs 0f the: act, event, ccncfition, or amnion {collectively ‘Event’U 1:0 be. recorded, to make the appropriate memarandum 0r reccrding a: Ur reasonably n33: the {iméz 0f the Event. Furthsmmra, Assignor represents and warrants 10 Assignee that the Businsss Reamdzs an: materiafly cumplete and accurate and thomughly embody the information in Assignofs custody and central f0: the. Accounts listed in the Campater File. from Assignor’s receipt 0f {hase Ascuunts until the Eime Csftmnsfer t0 Assigns: These repms-ematians and warranties are intendéd 1.0 augment any other represgniations and warranties the panics may have in place and n0: supplant any ether existing wmamies and l'gpresentatians. This Bin 0f Saie and Assignment 0f Acczmnts shall sews. as evidenc: 0f avznership far any 0f the Accaunts ccnveyed hereby. MEG Receivables, LLC , ‘ y r _ _. Mark RutazL Amhanzed Representatm; W ACCOUNT SCHEDL'SLE The: Accounts pursuant t0 the: BELL 0F SALE. AND ASSIGNfiENT OF ACCOGNTS FROM MHC RECEI‘RABLES? LLC TC) SHERMAN ORIGINATQR IQIL LLC that are specificafly identified if: the. electronic File named CredthneHEj-ncorejlfllli with such electronic file incorp-ejrated herein by rafsrcncc. Exhibit G AFFIDAVIT OF CREDIT ONE BANKLNA” FNBM) LLCLAND MHC RECEIVABLES, LLC STATE OF NEVADA ) ) 5's. COUNTY OF CLAR K ) Your Ai‘flanl, Gary Harwood, being first duly sworn, skates under oath as foiiuws: 1‘ My name is Gary Harwuud. I um a Vice President vi Credit Ont. Bank, NA. (”Crcdit One”), and an authorized representative 0f Credit Ona FNBM, LLC (“FNBM”), and MHC Receivables. LLC (“MHC”). I am over the age of eighteen and authorized t0 make this Affidavit on behaii' 0f Credit One, FNBM, and MHC. [f called a5 a witness, I cam testify I0 a court compeiently as 1.0 my knowledge 0f the facts cantained herein. 2. As pan of my regulax job dutiés, I have access to and mutineiy review the, business records of Credit One, MHC, and FNBM related lo accounts and associated recewables originated. serviced, and charged-Off by Credit One. Such records include those maintamed by 0r 0n bchalfof Credit One, MHC and FNBM in [he ordinary course 0f each entity’s business with regard m the sale and assignment (\I‘Crcdit Onc’s, MHC‘s, and FNBM‘S accounts and associated receivables. 3, Th:- facis gmted herein arc wnhin my personal knowledge and are basad on my review 0f the; relevant hooks and records available, m me. 4. Assignment (w? Sale 0f Receivables, a. Each clay, pursuant Io the rcrms m sclf-cxccuting purchase agreements; any new receivables (“Recsiv‘ablc‘s”) associated with thc Accounts; (as defined bcinw'), arc said by Lu) Credit One i0 MHC‘. as cvidcnccd by a Bif} ()I'SszC and Assignment dated as Qi‘Novcmber 30, 2019, by Credit One, in faVC-r ofMHC. a copy m which 1;: attached hcrchn and then (b) MHC E0 YN’BM‘ as cviclenccd hy a Bill 01‘ Sale and Assignment dated as 0f December 17, 2019. by MHC m favor 0f FNBNL a cnpy ofwhich is acumhcd hmeto. h. On u: ubnut December l7, 2.019. FNBM 501d the Recaivuhles 10 Sherman Originator HI, LLC (“Sherman") as evidenced by a Bi“ 0f Sake and Assignment duled as Qf December l7, 2019, by FNB‘M in favor of Sherman! a copy 0f which is attached hcrcm. 37 Assignment m 39k: DI ACCQQLLS. a. On 0r about November 30. 2019, Credit Una: sold a pool 0f charged-ot’i’ acccunts (“Acwunfi”) assuciawd with the Receivabies m MHC, as: cxédcnced by a Bil} 0f Salt: and Assignmem daied as 0f A November 30, 201‘), by Cmdii Ont: in favor nfMHC, a copy OE which is anachcd harem l1 On 0r abcmt December l7. 2019, MHC $0M Ihe Accounts to Sherman, as evidenced by a Bill of Sale and {\SSigxxtnsnl dated 21s of December l7, 2019. by MHC m favor 0f Sherman. a copy of which is attached hereto 6. Neither Credit, One, FNBM. nor MHC rulaina any rights m receive payments, 0r 10 colicct. 0n the Accounts 0r Rcccivables. As demonstrated in the preceding, the Accounts and Receivablcs an: ultimatciy réunilcd and all rights, title, and interest in Lhe Accuums 3nd Receivables are ultimately heEd by Sherman. Sectinns vii 3nd S of this Affidavit shall herainafier b6 referred 10 coilccuvely as the. “Sula 0f ACCQums and Receivables“, 7. As part 0f Lhc Sale: uf’ Accwums and Receivables, Information unnamed m Credit Onc's, MHC’S, and FNBM'S business recurds relating m the Accounts and Reccivablcs (collectively, [he “Business Records") ware prm'xdcd to Sherman, These: Business Records were. made aud/er recorded by or for Credit One. FNBM! and MHC as part 01‘ the. regular course of busincss 0f each emit}! at 0r near 1hr: time. of the acts, cv€nt5, 0r conditions recorded, Thuse Business Records accurately fefiea the. status 0f mi; Accaums and Reacivablcs. am [ruihf’utly rL-Uected in the mmpmer file idcmifiud in cash Bill 0f Safe and Assignment. and are complam whhuul srrurs m [he best 0f my knowicdgc. S C‘rcdi: One, as a; ‘vicing agent fur MHZ: and FNB‘M, maintainer} rhc Business ”Records {dazed u) the Accounts and Rcacévablcs. T0 ihc M&ni {he Bugincsg Rccc'mig includc records [hat were. preparcd b: Credit ()nc. 0n behalf 5f MHC or FNBM those rt: :arc‘is wen: accuratety meiwumi‘cd imo (he recnrds 0f both FNBM 3nd MHC as: bum FNBM‘S 3an M HQ”; awn Busincg Records Tn the extant that 11m Bxsinass Remrds include recordg that wmc prepared hy a ih=rd parlv nlher éhzm Credix One [hr is: records ware; accurate}; mcnrpormcd inm {he rewrds 9f hath FNBM and MHC as Business Ramada and w;L {CHLd upon zhcrcan. The above glaucments are true and accurate. t0 the bis! (:1 my knowledge; and um made fur the benefit 0f any court that erm time. m time comiéerg u‘heihfir Sherman (nr itx iuccessors 0r assigns) has the right i0 inflict and/Crr cni‘orcc a}! 0r any pmmnn c:-fthe Recei ables (Jr L0 enforce an) rights rrflatcd t0 the \ccgunts [Iaigbiay mfg”;Si“ sf argffiam f I, Credit One Bank N A ~ Authorizcd Represenramc and V ice Pragidemof Coll; n5 FNBM. LLC. ‘ AuthQHZrzd chre~26iuatixe MHC Receivables. LLC- Author izcd chr-es mat'wc ACKNOWLEDGMENT OF SIGNATURE BY LICENSED NOTARY STATE OI: NEVADA i: ) ss COLNF‘ OF CI.,ARK 3 £115: insnumcm was ac‘rmow 25d ' r ‘Aga’ ' ‘ g, f: [4 by“Gun- Harwmd amhmwcd eruaLnn'nL 'uf FNBM LLC, wuwmui upmxmt Hive nt MHC Receimhic5 LL{.J dViLu PI aidem of Colic:-Ciions f0! C:cdii Um: Bank N A . Nomfy Public igga Hm L iSiaie «:5 Navafi ‘ E3 w CERTIF’iC-ATE 0F CQNFGEMEY STATE OF NEVADA f; _} SS, CGLWTY OF CLARK g L Narinc. Yenavkiam 2m attarmzyhamaw admitiaé {a practice in Eh: faza 0f ‘fuada as In Hfiufi Cautfial {fir Ca‘cdit (315:5: Batik RA, dc; swab» certify that i am fully aequaimad with the iaws uF {he State (x? Nevada partaining to adminisiratiim and Ezkking ;}1’-:23%.hs 33firmatiens and ackmwiadgemems, I further State 153: 1 am duly quaii fiad t0 make ibis igmnfnmu cf Luzgiunmw .méi £3223 1h:- ackficmiédgcmam uprm :he Affidavit; 0f Saie was; {akm by 37" i ’ nmazy public in. Ehe Stan; uf Nudéd i3 1E1: manner prescnhcd by {he lam; Qf {ha Stat: (25 Narincg; ‘ Ne‘. ada SEE Bz-u # 132:3“, Credit On: Bank N A 681313.Cimamm Rf} 'ESVE Ea15; N‘s 39133u BILL. C31? SALE gfif} Ag‘siflfifi’ih?‘ f; GE ACCQQN’IE AE‘EZ} REQEIVABLFS F3055 93511333395? ORIFIVEXTOR HE LLC TO VflfiLéfiB CRLIHT fiifiafifAGEMEfiT EEC S xerma: 2 Qrzgzn‘iim iii LE i: if S‘efiffi”), Ski“: {gm’sfir :35 Céfiafin accgun‘fi afid assesisieé reaéivabiés (haremafie: rtfsmii :3 :3 igkmvh as Pursha:aid; Aygeums } 5.}:- vaiue recaivgd arid ii: 35:23:Liam: win: the. terms of the Fgmhxge amii Saks sigreaman; by anfi bewgsn $235: am: Midland Cyeéif Mazagewran. Ens: {“Bugrer } dated as g: Jaguar; 2i 233179 {agwcmisnt‘i (Eggs Eiafe§y sail? assigr: ané {:32stEr {G Buyer 3:3 saw, gs2:3 am} assigzas; 3%} right; 213$ 3:; ‘ iaiarest in ané :3 fixer Parghafiéd A4:$011th 33 c:crmgec <3: {ha cemptfiar fifie 33513:; 281912}? Chgiflif3:13;“Saie Excei {fiéészflé Enema[36:13}_523§l? 533611 i append éaia (€115 “Camguzér"riiv ‘)a asp}; 9f xéhac'h x3 agtggnyai ham? as c‘ znmg‘gefitéé ?*areh Ev fef’égfirgm as “Exhfiaii é”. Tim; Béii €21 E333 3m: éasigmngm ef ficwunés and Regaivahkg Es. subjeci ii} the {arms {3? ?he Agfaameai 313d £3 made wét‘hmt repmfifilz‘ifitiefis and waafi‘afl‘ti’s a:lf afiy irind Cs: £21334“as: Er 3:32p? it; epregsiy staiefi m 23:6 Agzimm! 3r 33 {fgpmsgiy 5:3th fiaiaw, 9t a;h reggaai 2c: infgmafiafi k}: LE}: E”umnasefi Exacems éasfinafié £31 :é-a: réaied Campuier Figs :3 t $$$$st :35 Sager s knawladga? 35525;: raprfiseaa am: wagagis {a BLye? trig: sad: mf‘vmasan {i L} 25 material} mmmme and accmie; {ii} ccrfiiitutes Séléer‘s mgr: égsiassag recezds ihaé per: git: i0 i=3 ?umhafieé aesaums ami accurately'z'afizxg in 3}} maisyiai FESpects £133 infénnaéim in Saiiu‘ s database: {iii } wag kapzjzi fizz: regaiar caurse af Sefier’s basing; {is} was: z: afie entered Br :cmgi Eefi :fi ihe reguiar $813233 53f busiaefis; iv} 15:35 mcagéad at. (32* near {fie 123:6 :he azfiéfifiyifig {a givii} gscurfe-a: 5y a 33:3:331‘; wii}: mzéwinégg f3? tit: data rezcéréeé; {w} has £26321 agcuraiaiy‘ maimaiaafi 2f; Seiiez‘s cia-{abass smite 2t was racm‘42d :Egera: and {xii} it £5; the {egiéaz prgctica Isf 33’;352‘s btzsizzass ti: fiaz'mr; 313$ aamgiia such data! f *5} arm éjgigngrzegé :3? agceumg am: R&caivabiés may Es cniarad a3 evidefice GE mmership fer aay‘ {3f the ?amhgssd AC8aunts 39:21;336:1 Er:33h; Siasing date: fiecemfier 29, 2.619 SHERfisifi-fi ORiGiééATOR {IE LLC E} ’ a 5k. 3g Tilt: aw f aimLAEfi} WEE fiGEWERT EC . jfii%: iaésiL Zzfimdgfix‘fi“ Tit :E’Kg?" §?wa sfiqveé'awfij‘ w ACCOUNT LSCHEDLLE The Purshascé-d Atcauais gufsuant £0 the BILL CY SALE AEE} ASEGEMENT C)? ACCOUfiTS A&I} {{EC'EEVAELES FRGM SHEERfiJxN GPJGINATQR Ill LLC TS MiDLéE‘fiD CREEK!" MANKUEHERT {NC 2:313: 352-: spacificzaiiy iéeatififid i5: the eieciram': E}: mmfl 21)?912}??Chg0fi_?inaLSziiewExaeia'ICreéi{O'newfiucareMDecififié’ZSiiiZfiSié11-Lappend data whiz $4212}: eiéeifafiic iii; iumrpéfaigd harem Es}? référfefica, Exhibit F gm’a‘fimrfi‘ 01? SALE 02:: agwmm 33f sagmmsé ORIGEATOR {1: LL: eaf Seuih Camiifiz L.n:y 9? Charitstanm m E -{jnMazzgig herab? affinfi 33: 501231253: 1, I am 91;:z i8 2:131 Ema parw {G this; 35mm i am a Vice Fresiciem 5f blitm‘an {3334522 tar {fl LLC 5; Sileuzaa Griginataf 11E LL52“ } £1: (hat capacity; I £12? e: 3:136:33 {a csriaia bmks and reamd: {3f S&efman Grigiuatarfii LLC’ 391i caréam s.sf’ :ts sabrmganca aaé affiiiates {as dafined b}; cnnmzel‘: 6:1me {caiisciiveig “‘Silgrtn39”): and am away: cf :hc p'racegs Gf {ha 33k: and agaigmnexg 0f aisetmnicaliy smreé Easiness raced; E Sharm-fis Grit!gma:{3r BE LLCZ :mmjrcafiain aécmnis ami maimaéns am}; regards: infamaiiaa in its bush ass {236(3de333 those zecerd; reigns {g g‘ticfi accimgiig I am aaihoi'ized m make iths statemeatg and :‘Epz‘tsantaiiéns 3:: flarih an this affidavi: an 1:33:13}i :35 Sham: Grgzma'ur {fl LLC. The Statemams 53% fari'h he. ein art {me and tenet: (a {hit bass: 0f my ézrgmviedge mfgnfiatiaa, and ijefiafi basal C13 fizhar pi:{Sana} 1:12;} =9:iaige {Jr {3&6ng 9f the blxgiacss r&cerés af Sirgmmn nginatgr III LLC. MJ Cir: Becémher 26, "2mg {ihfi “Sal: E3326”), Shanna Qfigifiatar EH. LU: sald a pm}! {if ehmgeé-af? mating anti {wanna s éue and swing aascgiaied wiih’ thfise aficeugig {iiéffiinjafiér réfén‘ad R} mlieativéiy 35 mhagsd Acmmtg" ‘3 éemi ed 0:: the campuifir {31% whizh Spfiéifically refererzcas Each agcgum i3} {ha 52m u}: namgd 2019121'7_Chgflff_Fina!_Saie_Excel_Credit0rie Encore DetLQ:£2891"?_684611- Eczippend data {tha- Coflpute: Fiie )bya ?urehase 3:26 Sale fixgreimeni and a Biii ca: Sale ané 3x53: ranger}! ii; Midigné Créfiii iiaflagémeag inc- {mc Bag: Far } hug? iransaciifin Ecing {ha "Saie’j th. Qng-rsaiing crediicrg zharggaff creciiifig 311d pn'c-r crux? g}? Lia: Pmahagé Accem: x2233 Cassia. {312: Basia. N. i3. mu 4. Purguani; to fine: 3333, Shaman Grigirxamr BE LLC‘ said {ragsferrad assig'aed mnv‘eyed, gamed, bafgainei SE: 52%? and éeii‘éfirad i0, {:3 Bayer 311d its aucbazsérs 311d 35:13:13 as 3f fize Ssh: Date: (i) gwci and mafkembi3e tizi E: {a the F srchageé Accaun‘is: {ii} the régifi t0 an}- future pagmagig mafia ans 1.1g an: fif {ha Purzhastd Augean: {xii} an} unpaid banal;a: refitted {G fig: Purchased Amougts and (is) a1} 3::-mum dccuueufs in Sherman Origin? f Hi LLC pasmxmn Ail 9f Ehe- agseis {532155er {Q Bum: was {ransfzfled free am: €163: (3f ail} gscagbraflw equity Ben piaége “133:; 1:13:31 er 3456151“: mifirssl 6f an} kiwi I an £20: azarara {:f any éerrS gr defcas relatsd i=3 the ?mchabsé qusgumsf the. Cumpuifir File», the acceufli dacamentsi {2r Shannan Driginategr Hi LLCE evmarghii; gfand tifie- Eo the Pumélas-ed Ameunts. 5. in {amvcfiwn wit: 1:125 Sa§= gf i116 Pumhased Aacmgms igaieus facsfdg in éfiffere‘fzi {Emagz were transferred $63 m- athemisfi made availabie tu £226 Buys: {£3.26 Busm‘" Rficarésrg} As flax“: 0fmy rgzflar jab duzies! I have Lamlgieége 0f and accesses ta Easmess Reari- ra'éatiing {a the Puichasei accmmis. T2163: Bagmfiss Reccrés wai- Pan; Dy Sizerman Qfigimmf SE LU: in 233:3. zegaiar ceuztia Cr? hasiafis K was wiflim Sheree Efiqmpatm E1 LLCE: reguiar {29315:- :fbusinws f3: a fegresetitaii‘E-‘c wk}; perscnai kgfiwiadgfi 0f the act? exam; gendéiégn; or {39333913 fficofdad :0 maka mamerandums 0? Ifscerds Gr {C2 Eranszait igffirmatmfi abstenf E0 be iadud-ad in maneraufimns gr {acarda A13}; such inénjefafidums 0r raaords were creaifid at «J: near {21$ 6mg {2f fa: 3:21: Car awn! rsaarééé crr reamnabiy 5:61:33 fizeztafia’ Ta file amen: {133i Eh: Business Rieerfis mcluzie rewais s’ at xgére prepaIEd E33” third pgfij an agent an a filsaic: :3; a subsidiary; {hem recerds were incmpamied inm €526. zecgicis csf Sherman Griginamr TH LLC becaming part 05 its; mam Businass Recerés. {signaiuri23in:iué: {i Qfi fizhai¥mg p9 26e}u The 3ba¥ e fizenzmé {He Lme: Ea {hi5 best“ (3f 2213: Rnfimdigz Signed ch;s 22;“ t1: day nigmua; 2920 ?’M’FZw 50w Mgz‘am i g“ , p Aihmmd {s and wmx‘bgg. 22:» ’1 m»: {hisffih(iaycfillammng 2629 i; jig;f 2“ iii izsfivaéé wggxmmfiy£ :2 "Mur- Efinta r} fy thaté'ia-é fl merit we; Field Field Data Account Number _2128 Seuer Account ID 688526370 First Name Judd Last Name Xavier SSN XXX-XX-4549 Date of Birth Address 1 295 Omira Dr City San Jose State CA Zip 95123 Open Date 09/23/2008 Last Purchase Date 12/15/2018 Last Purchase Amount $59.43 Last Payment Date 08/1 6/201 9 Last Payment Amount $68.00 Saie Amount $1 £14.53 Charge Off Date 11/03/2019 Charge off Balance $1 £14.53 Post Charge Off Interest 550,00 Post Charge off Fee $0.00 Post Charge off Payments $0.00 Post Charge off Payments and Credits $0.00 Post Charge off Credits $0.00 Anernate Account #1 -5884 Alternate Account #2 _2128 Account information provided by Sherman Originator H! LLC pursuant to the 8m 0f Sale/Assignment of Accounts transferred on 0r about 12/20/2019 in connection with the sale of accounts from Sherman Originator HI LLC to Midiand Credit Management; Inc. 201 91 2 1 7_Cthff_FinaLSale_Excei_CreditOne_Encore__Dec1 9_62891 7_68461 1-1_append data EXHIBIT B CREDIT ONE BANK CREDIT CARD STATEMENT Account Number 2128 August 03, 2019 to September 02. 2019 SUMMARY 0F ACCOUNT ACTIVITY pAYMENT {NFORMATION Previous Balance $1 .65525 New Balance $1 £62.69 Payments - $68.00 Past Due Amount $381 .00 Other Credits - $0.00 Amount Due This Period S1 19.00 Purchases + $0.00 Minimum Payment Due $500.00 Cash Advances + $0.00 Payment Due Date 09/27/19 Fees Charged + S4325 Late Payment Waming: Imam“ Charged + $3119 lf we do noi receive your minimum payment by the date listed above. New Balance $1 ‘662‘69 you may have lo pay a late fee up to $35. . . . Minimum Pa men! Warnin : cred” le” . $1 ‘350'00 [f you make znly (he minimgum payment each period. you will pay more Ava'lab‘e cred“ $000 in interest and n will take you longer to pay on your balance. Statement Closmg Date 09/02/19 Days in Billing Cycle 31 For example: If y0u make no You win pay ofl the And you win QUESTIONS? additional charges balance shown on end up paying Cal! Customer Service or Report using this card and ihe statement In an estimated a Lost or Stolen Credit Card 1»877v825-3242 each month YOU Pavm abomm IOIBI 0h Outside the US. Ca” 1-702-405-2042 ‘ I Only the mmnmum Please send billing inquiries and correspondence to: payment 5 years $240400 PAO. Box 98873. Las Vegas. NV 89193-8873 $6700 3 years 82408.00 (Savings: AS400) If you womd like a location for credit counseling sewices. call 1-866-515-5720. TRANSACTlONS Reference Number Trans Dale Post Date Description of Transackion or Credit Amount 74071937400XTMJJX 08/16 08/1 6 PAYMENT A DEBIT CARD LAS VEGAS NV -68.00 Fees F5727007M000CYLAC 09/02 09/02 ANNUAL FEE 10/19 THROUGH 10i‘19 8.25 09/02 09/02 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 43.25 Interest Charged 09/02 09/02 Interest Charge on Purchases 32.19 09/02 09/02 Interest Charge Qn Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 32.19 2019 Totals Year-to-Date J Total fees charged in 2019 $320.95 i Total interest charged in 2019 $266.10 j YOUR ACCOUNT IS PAST DUE AND WILL ADVERSELY AFFECT YOUR CREDIT RATING, PLEASE PAY THE MINIMUM AMOUNT DUE NOW OR CALL (888) 729-6274‘ Your account is currently closed. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate on your accoum. Balance Subject to Interest Rate S1 .491 .72 $0.00 Type of Balance Purchases Cash Advances Annual Percentage Rate (APR) 25.90%(v) 25.90%(v) Interest Charge $32.19 $0.00 (v) = Variable Rate 5385 JBH 001 7 2 190902 O CXPAGEIOH 20 5727 9620 M110 O1GR5385 P|easa return z‘nis mmon whh your payment. and wme your account number on your check, made payable to CREDIT ONE BANK. PAY YOUR BILL ONLINE at CreditOneBank.com Account Number: _21 28 New Balance: $156269 Minimum Payment Due: $500.00 Payment Due Date: 0952,7119 For address. telephone and email changes please complete the reverse side‘ Or, update your contact information unline at wwarediiOneBanch-om, HI'“! CREDIT ONE BANK Po Box 60500 CITY 0F INDUSTRY CA 91716-0500 AMOUNT ENCLOSED: s . IIIII|IIHIIIIIIIIIllnlllllllhm“IIIIIIIIIIHIIIIIIII JUDD XAVIER 295 OMIRA DR SAN JOSE CA 951236635 0006800 01 66269 0046500-1 28 7 A n.nI-u h-1 EXHIBIT C CREDIT ONE BANK CREDlT CARD STATEMENT Account Number_21 28 October O3, 2019 to November 02, 2019 SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMAT|ON Previous Balance $1 738.15 New Balance $1 .81463 Payments » $000 Past Due Amount $552.00 Other Credits - $0.00 Amount Due This Period $1 297.53 Purchases + $0.00 Minimum Payment Due $1,814.53 Cash Advances + $0.00 Payment Due Date 11/27l19 'Fees CharQEd + $4325 Late Payment Warning: "terESt Charge‘j + $3313 h‘ we do no‘l receive your minimum payment by the date listed above: New Baiance $1 B1453 you may have to pay a late fee up m $35. . . . Minimum Payment Warning: Greg“ L'm't _ $1 '350'00 If you make oniy the minimum payment each period‘ you wiIi pay more Avanab’e cred“; $000 in interest and H will take you longer to pay off your balance, Statement Ciosmg Date HI’OPH 9 Days in Billing Cycle 31 For exampie: QUESTIOMS? CaH Customer Service or Report 11 you make no additional charges usmg [his card and You win pay 0H the balance shown on the statement in And you win end up paying an estimated a Lost or Stolen Credit Card 1-877-825~3242 each month you'pay... about... total or... Outside the US. Call 1-702-405-2042 V I Only l‘ne minimum Please send billing inquiries and correspondence t0: payment 1 months $1 815,00 P.O. Box 98873, Las Vegas, NV 89193-8873 If you would like a location for credit counseling services. call 1-866-515-5720. TRANSACTIONS Reference Number Trans Date Post Date Description of Transaction or Credit Amount ' Fees F5727009HOOOCYLAC 11:02 11/02 ANNUAL FEE 12/19 THROUGH 12/‘19 8.25 11/02 11,102 LATE FEE 35(00 TOTAL FEES FOR THIS PERIOD 43.25 Interest Charged 11/02 11/02 Interest Charge on Purchases 33.13 11/02 113'02 interest Charge on Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD 33.13 201 9 Totals Year-to-Date Tota! fees charged in 2019 Tota! interest charged in 2019 i $40745 g $331 .44 1 Vour account is currently closed. *INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annuai interest rate on your account. Balance Subject to Interest Rate $1 549.71 $0.00 Type of Balance Purchases Cash Advances Annual Percentage Rate (APR) 25,65%(v) 25.65%(v) Interest Charge $33.1 3 $000 (v) = Variable Rate 5385 JBH 001 7 2 191101 0 CXPAGE 1 0H 20 5727 9620 M110 OIGRSBSS Piaase return xhis portion with you.- paymem. and wriie your account numbm nn your check‘ made payable lo CREDIT ONE BANK, PAY YOUR BiLL ONLINE at CrediYOneBankJmm Creditgjggé": Account Number: -2128 5 A N " New Balance: $181453 Minimum Payment Due: $1814.53 Payment Due Date: 11J'27/19 For address‘ telephone and email changes. please complete the reverse side. éfifi Or. update your contact information onlme 1 : at www.CreditOneBaanomv AMOUNT ENCLOSED: l$ . i IIIIIIIlllllll”|IIIIIIIIIIHIIIIIIIIIIIIIHIIIIIIIIIHIIIHIIIH JUDD XAVIER 295 OMIRA DR SAN JOSE CA 95123-3635 CREDIT ONE BANK PO BOX 60500 CITY OF lNDUSTRY CA 9171 6-0500 III'II'I""|"||"|'|||l"'I"'I'I'I'I'I"I'I‘|”III'|'|'|"I'II 0000000 01 81453 0181453-128 2