Exhibit 99.1
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0000 Xxx Xxxx
Xxxxxx Xxxxx, XX 00000
PMI Mortgage Insurance Co. (an Arizona corporation hereinafter called the
"Company") agrees to pay to the Insured, in consideration of the premium or
premiums to be paid as hereinafter specified and in reliance upon the
Insured's representations and statements made in any Application for coverage
under this Policy, any loss due to the Default by a Borrower on a Loan,
subject to the terms and conditions contained herein.
To obtain information about this Policy, to register a complaint or to obtain
information about related mortgage guaranty insurance products and services
offered by the Company, the insured or its servicer may call the Company toll
free at 800-288-1970.
Insured's Name and Mailing Address Policy Number
BNY Western Trust Co as Co-Trustee for the 00000-0000-0
CWABS Asset-Backed Certificates Series 2004-AB1
000 Xxxxx Xxxxxx Xxxxxx, Xxxxx 000
Xxx Xxxxxxx, XX 00000-0000
IN WITNESS WHEREOF, the Company has caused its Corporate Seal to be affixed
hereto and these presents to be signed by its duly authorized officers in
facsimile to become effective as its original seal and signature and binding
on the Company.
PMI Mortgage Insurance Co.
[SEAL]
/s/ L. Xxxxxxx Xxxxx /s/ Xxxxxx X. Xxxxxxxxxx
--------------------------- -------------------------------
L. Xxxxxxx Xxxxx, President Xxxxxx X. Xxxxxxxxxx, Secretary
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TERMS AND CONDITIONS
I. Definitions
A. Acquisition Option means the method of determining the amount of the
Insurance Benefit with respect to a Loan as set forth in Section V., C.,
1.
B. Advances means the reasonable and necessary sums paid by the Insured
with respect to Loan after Default, for the following:
1. Hazard insurance premiums;
2. Real estate property taxes;
3. Property protection and preservation expenses;
4. Property sales expenses;
5. Customary foreclosure costs including Court Expenses and reasonable
attorney's fees;
6. Costs of other customary legal proceedings, as may be necessary to
obtain Good and Merchantable Title to or Possession of the Property;
and
7. Loss mitigation expenses.
C. Anticipated Loss means, in connection with a Claim, an amount equal to
the Company's cost of paying the full Claim Amount calculated in
accordance with Section V., B., less the amount the Company reasonably
anticipates receiving as net proceeds of the sale of the Property,
subtracting also from such proceeds all anticipated costs of the sale
and holding costs, but in any event, such amount shall never be greater
than the Loss calculated under the Percentage Option in accordance with
Section V., C., 2.
D. Application means the Insured's statements and descriptions, both oral
and written, relative to the Loan made in connection with the
application or negotiation for the insurance provided by this Policy,
including the representations made, and documents executed by the
Borrower, as evidenced by documents, writings, electronic media
transfers, telephone data transmissions, and the like.
E. Appropriate Proceedings means any legal or administrative action or
proceeding by the Insured affecting either the Loan or the title to the
Property, and include, but are not limited to:
1. enforcing the terms of the Loan as allowed by the laws where the
Property is located; or
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2. establishing a deficiency amount where appropriate and permissible
and where directed by the Company; or
3. acquiring all the Borrower's right and title to the Property in the
Insured's name, but excluding any voluntary conveyance under Section
IV., D., (Voluntary Conveyance); or
4. asserting the Insured's interest in the Property in a Borrower's
bankruptcy or similar proceeding.
F. Borrower means any Person required to repay the debt obligation created
pursuant to the Loan. The Borrower may be more than one Person, and the
term shall include any co-signer or guarantor of the Loan.
G. Borrower's Own Funds means any funds owned by the Borrower and neither
borrowed from other sources, nor subject to refund, rebate, or
repayment.
H. Borrower's Title means such title to a Property as was vested in the
Borrower at the time of a conveyance to the Insured extinguishing all of
the Borrower's rights in the Property; provided, however, if the Insured
so elects, the redemption period need not have expired. The deed
evidencing such title in the Insured need not be recorded unless
required by applicable law.
I. Certificate means once all conditions for coverage have been satisfied,
the number issued by the Company to a Loan, as listed on a Certificate
Schedule.
J. Certificate Schedule means a list of Loans to which coverage has been
extended under this Policy, and which is attached to this Policy, or
added thereto by endorsement, and any document issued by the Company
pursuant to this Policy amending coverage for a Loan.
K. Claim means the timely filed written request, made on a form provided by
or in a manner approved by the Company, to receive benefits of this
Policy. A Claim received by the Company containing all information or
proof required by the Company shall be called a Perfected Claim.
L. Claim Amount means the actual loss incurred by the Insured with respect
to a Loan as calculated in accordance with Section V., B., (Calculation
of Claim Amount) giving effect to adjustments made by the Company due to
failure of the Insured to mitigate loss.
M. Claim Settlement Period means a sixty (60) day period following the
filing of a Claim with the Company provided that such period shall be
extended by the number of days elapsed from the date the Company sends
notice of deficiency of a Claim to the Insured to the date that the
Insured files a Perfected Claim with the Company.
N. Closed means the later of:
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1. The date on which all Loan documents were executed and delivered; or
2. The date on which the funds under the Loan were initially disbursed
to or for the benefit of the Borrower.
O. Court Expenses means the out-of-pocket cost of initiating and conducting
Appropriate Proceedings or any eviction proceedings. These expenses
include costs of filing or serving pleadings, conducting discovery and
enforcing judgment. These expenses do not include reimbursement for any
time spent by the Insured or the Insured's employees, officers or
agents, nor do these expenses include attorney's fees.
P. Default means the failure by a Borrower to pay when due: (i) an amount
equal to or greater than one (1) regular periodic payment due under the
terms of a Loan, or (ii) the failure by a Borrower to pay when due all
amounts due under a Loan after the exercise by the Insured of the "due
on sale" provision of such Loan, provided however, that a Default as
defined in (i) above which is cured within 59 days of the payment due
date, will not be deemed to be a Default for purposes of administration
of this Policy unless the missed payment is the first payment due under
a Loan. Default does not mean any other non-monetary default or
violation of any other term or condition of the Loan, which would allow
for acceleration of the debt or foreclosure or other action to realize
upon the security provided by the Loan.
A Loan is deemed to be in Default for the period for which, as of the
close of business on the installment due date, a scheduled installment
payment has not been made. For example, a Loan is "four periodic
payments in Default" if the periodic payments due on January 1 through
April 1 remain unpaid as of the close of business on April 1.
Q. Default Amount means the unpaid principal balance of a Loan as of the
date of Default excluding any Negative Amortization. If a Loan has been
divided into secured and unsecured portions pursuant to proceedings
under the federal bankruptcy laws, the Default Amount shall include the
unpaid principal balance due under the unsecured portion of the Loan
even if the Insured has written off such unsecured portion of the Loan,
provided that the premium paid has been calculated based on both the
secured and unsecured portions of the Loan.
R. Deficiency Expenses means reasonable attorneys fees and necessary court
costs incurred by the Insured for those Appropriate Proceedings
necessary to pursue or establish a deficiency against the Borrower and
which are in addition to those incurred in standard and customary
foreclosure proceedings, plus additional interest accruing on the Loan,
real estate taxes, casualty insurance premiums and Property preservation
expenses incurred during such Appropriate Proceedings and any additional
related redemption period.
S. Down Payment means (i) a cash contribution made by the Borrower, either
prior to or at the time the Loan is Closed, from the Borrower's Own
Fund's towards the purchase price of the Property, or (ii) a
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verifiable equity in the Property vested in the Borrower only, after
completion of the improvements in accordance with the Original Appraisal.
T. Effective Date means, provided that the premium has been paid as
required herein, 12:01 a.m. on the date of coverage as indicated on the
Certificate Schedule.
U. Environmental Impairment means Physical Damage to a Property occurring
by reason of environmental contamination including, but not limited to,
nuclear reaction or radioactive waste, toxic waste, poisoning or
pollution of earth or water subjacent to the Property or of the
atmosphere above the Property; or similar hazard including any condition
giving rise to liability under the Comprehensive Environmental Response,
Compensation and Liability Act or any similar law existing under either
federal law or the law of the state where the Property is located.
V. First Party means (a) the Insured or any officer, employee or agent of
the Insured or (b) any of the following Persons: the correspondent
lender, mortgage loan broker or other intermediary underwriting or
originating the Loan on behalf of the Insured or originating lender, or
escrow or closing agents or anyone under contract with the Insured or
originating lender in connection with the origination of such Loan, such
as an appraiser.
W. FMV means the fair market value of a Property as of a specific date
which shall be equal to the lesser of the appraised value or the sale
price of the Property on that date; or in the event of a foreclosure
sale, the appraised value or estimated value determined in accordance
with customary servicing practices, or the value as determined under
applicable law, where such law prescribes a method for determining the
value of a Property.
X. Good and Merchantable Title means title to the Property, free and clear
of all liens and encumbrances, covenants, conditions, restrictions,
easements and rights of redemption, except for:
1. Any lien established by public bond, assessment or tax, when no
installment, call or payment of or under such bond, assessment or
tax is delinquent; and
2. Any municipal or zoning ordinances, building restrictions or other
restrictions, covenants, regulations of use, provided the Property
is in compliance with, and its intended use and occupancy is not
materially adversely affected by, such restrictions, covenants,
regulations or ordinances; and
3. Easements, rights of way, sewer and utility rights, mineral, oil or
timber rights, or any impediments which will not have a materially
adverse effect on either the transferability of the Property or the
sale thereof to a bona fide purchaser.
The Property must have, at a minimum, the following characteristics to
establish Good and Merchantable Title: (i) adequate means of ingress and
egress; (ii) the right to use of water and sewer facilities appertaining
to the Property, whether such rights be by virtue of public easement or
private
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grant; (iii) the Property must be free of any lien for any toxic waste
or environmental contamination or similar hazard or claim of such hazard
pursuant to the Comprehensive Environmental Response Compensation and
Liability Act, as amended, or similar federal or state law providing for
liens in connection with the clean up of environmental conditions, and
no proceedings to initiate such a lien may be pending, unless otherwise
agreed to by the Company.
Y. Insurance Benefit means the liability of the Company with respect to a
Loan calculated in accordance with this Policy. A right to receive an
Insurance Benefit shall be deemed to have arisen when a Default occurs
while the Policy is in force for a Loan, notwithstanding that the amount
of the Insurance Benefit is not then either presently ascertainable or
due and payable.
Z. Insured means with respect to any Loan:
1. The Person designated on the face of this Policy; or
2. Any Person, other than a natural Person, who owns the Loan, either
for its own benefit or as trustee for the benefit of a third party.
AA. Loan means any note or other evidence of indebtedness and the
indebtedness it so evidences, together with the mortgage, bond, deed of
trust, or other instrument securing said indebtedness, and to which
coverage under this Policy has been extended.
BB. Negative Amortization means the additions to the principal amount of a
Loan arising from the insufficiency of regularly scheduled payments to
cover interest as it accrues against the principal amount of the Loan as
provided for therein.
CC. Original Appraisal means the appraisal, other report or description of
the Property, obtained by the lender under the Loan at the time it was
originated, which establishes the value of the Property at that time.
DD. Percentage Option means the method of determining the amount of the
Insurance Benefit with respect to a Loan set forth in Section V., C., 2.
EE. Person means any individual natural person, or any corporation,
partnership, association or other legally recognized entity.
FF. Physical Damage means tangible damage to a Property that materially
adversely affects the use, marketability, or value of the Property,
whether caused by accident or otherwise, including, but not limited to
damage caused by reason of fire, destruction of tangible property,
defects in construction, land subsidence, earth movement or slippage,
flood, earthquake, war, civil insurrection, or riot; and further,
Physical Damage includes Environmental Impairment and the destruction or
removal of chattel items that are considered part of the Property (see
Section I., KK., [Property]) For purposes of this definition "material"
shall mean an amount equal to or greater than $1,500.00 such that the
estimated cost to repair a Property is $1,500.00 or more before the
exclusion set forth in Section III.,
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G., (Physical Damage Exclusion) would apply to exclude coverage for a
Loan. The presence of radon gas, lead paint or asbestos in the dwelling
on the Property shall not be deemed to be Physical Damage.
GG. Policy means this contract of insurance together with all Applications,
all endorsements, and the Certificate Schedule, all of which are
incorporated herein for all purposes.
HH. Possession of the Property means actual and physical occupancy and
control of the Property.
II. Pre-Arranged Sale means:
1. A sale of a Property, with the prior approval of the Company,
arranged by the Insured (or by the Borrower and approved by the
Insured) prior to foreclosure because of a Default by a Borrower, or
by the Insured after foreclosure and before expiration of the Claim
Settlement Period; or
2. A foreclosure or trustee's sale of a Property to a third party, or
redemption from foreclosure, at a price equal to or greater than the
minimum amount specified by the Company to be bid by the Insured at
such sale.
JJ. Pre-Arranged Sale Option means the method of determining the amount of
the Insurance Benefit with respect to a Loan set forth in Section V.,
C., 3.
KK. Property means the real property and all improvements thereon including
any chattel items (including any built-in appliances) which are noted in
the Original Appraisal, including all replacements or additions thereto,
together with all easements and appurtenances, all rights of access, all
rights to use, as well as any co-ownership interests in common areas,
recreational and appurtenant facilities, and all replacements or
additions thereto.
LL. Residential means:
1. A type of building which is designed for occupancy by not more than
four families; or
2. A single-family condominium or planned unit development unit; or
3. Any other single-family residence unit as to which Good and
Merchantable Title may be held or conveyed freely under law, and
which the Company has approved in writing.
MM. Servicer means that Person, other than a natural Person, who at any time
is servicing a Loan (as a master servicer, if subservicing is also
involved) with respect to the Insured's obligations under the Policy.
The Insured shall be presumed to be the Servicer unless the Company is
notified otherwise.
NN. Uninsured Casualty means Physical Damage to a Property which is either
not covered by casualty insurance, or not covered in an amount
sufficient to restore such Physical Damage to the Property.
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OO. Uninsured Loan Balance means, at any time, with respect to a Loan, the
estimated Claim Amount less the Insurance Benefit estimated pursuant to
the Percentage Option.
PP. Any pronouns, when used herein, shall mean the single or plural,
masculine or feminine, as the case may be.
II. Coverage
A. Extension of and Level of Coverage- Extension of coverage to a Loan
under this Policy shall be evidenced by issuance of a Certificate number
on the Certificate Schedule. The Certificate Schedule and the
Application for each Loan are incorporated herein by reference and made
a part hereof for all purposes. The Policy is issued in reliance upon
the Application and on the representations made in connection therewith.
Coverage shall commence upon the payment of the initial premium, as of
the Effective Date of the Certificate Schedule. The coverage level for
each Loan shall be indicated on the Certificate Schedule.
B. Initial Premium - On the Effective Date of the Certificate Schedule, the
Insured shall forward the appropriate initial premium due to the Company
to establish coverage as of the Effective Date.
C. Payment of Renewal Premium - For coverage to be renewed, the entire
renewal premium must be paid no later than the fifteenth (15th) day of
the second month following the month in which each anniversary of the
Effective Date occurs. For example, if the Effective Date was January
12, renewal premium must be paid by March 15. The Company shall give the
Servicer, if a Servicer is shown on the records of the Company, or
otherwise, the Insured, notice of the renewal premium due date. If the
renewal premium is not paid by the last day of the grace period provided
above, then the liability of the Company shall terminate as of 12:01
a.m. on the later of the last anniversary of the Effective Date through
which the premium has been paid, or, if a non-payment notice is required
by applicable law, the last day of the cure period specified in such
non-payment notice or as may be required by applicable law (the "Lapse
Date"). However, failure to pay a renewal premium will not impair or
terminate coverage for Defaults occurring prior to the Lapse Date.
Notwithstanding the foregoing, if the renewal premium is not paid by the
last day of the above-stated grace period and such Loan is among a group
of Loans whose coverage has lapsed due to the transfer, seizure or
surrender of the servicing for such Loans, the Insured shall have an
additional sixty (60) day grace period in which to pay the renewal
premium for such Loan.
D. Full Premium Payment - The Company shall have the right to hold in a
suspense account for up to ninety (90) days any premium payment
received, without obligation to apply such premium to coverage while any
of the following circumstances exist:
1. The payment received is less than the full amount of the premium due
with respect to a Certificate;
2. Information received with the payment is insufficient to identify the
Loan to which the payment applies.
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At the end of the ninety (90) day period if the Company has not been
able to resolve the suspended premium payment with the Insured, then
the Company shall either refund the payment or be deemed to have
accepted and applied it without lapse of coverage. Where the Company
has received notice that there is a Servicer for a Loan then, if a
premium is refunded, the Insured shall be notified that such refund was
made and shall have sixty (60) days from such notice to cure or perform
the conditions precedent to coverage.
E. Cancellation by the Insured of Coverage for a Loan - The Insured may
cancel coverage with respect to a Loan by making a request for
cancellation to the Company in writing or via any medium acceptable to
the Company. Upon receipt thereof, for coverage having refundable
premiums, the Company shall refund such sum as may be determined to be
due in accordance with the appropriate cancellation or premium schedule.
The Company reserves the right to net out any unpaid premium from any
premium refund. However, no refund on a Certificate will be paid if a
notice of Default has been filed unless the Insured waives its rights to
the Insurance Benefit with respect to that Loan. Cancellation of
coverage for a Loan will not cancel this Policy.
F. Cancellation of Policy - Once coverage has become effective with respect
to a Loan, this Policy may not be canceled by the Company for as long as
any Certificate assigned under this Policy remains in force. If the
Insured desires to cancel this Policy, it may do so by canceling all
outstanding Certificates that have been issued under this Policy.
G. Loan Modifications - Unless prior written approval is obtained from the
Company, the Insured shall not make any change in the terms of any Loan
including, but not limited to, any change in the amount of the
indebtedness, the interest rate, the use of escrow funds or other funds,
term or amortization schedule of the Loan, change in the Property, nor
release any Borrower from liability on a Loan, provided, however, that
changes in the Loan permitted by the instrument evidencing the Loan
shall be deemed approved without prior approval.
H. Assumptions and Balloon Restructures - The renewal or restructure of a
Loan at the maturity of a Balloon Payment (hereinafter defined) and the
assumption of a Loan by a purchaser of the Property, with or without the
release of the original Borrower, are changes to a Loan requiring the
Company's prior approval as set forth in Section II., G., (Loan
Modifications) above, provided, however, that if under applicable law,
the Insured cannot enforce the "Due on Sale" provision of a Loan, then
the Company will be deemed to have approved the assumption of such Loan.
Notwithstanding anything to the contrary in this Section II., H., the
Company will be deemed to have approved the assumption of any Loan where
no release is requested and under Section II-406.02 of the Federal
National Mortgage Association's Servicing Guide or any successor
provision thereof, or any similar provision of the Federal Home Loan
Corporation's Sellers' & Servicers' Guide, the assumption is an "exempt
transaction" that the Servicer is to approve without review of the terms
of the transaction.
I. Increase in Loan Amount - In addition to the approval requirement of
Section II., G., (Loan Modifications) above, if the principal balance of
a Loan is increased (excluding any Negative
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Amortization), the Insured shall pay an additional premium corresponding
to the increase in coverage, at the then prevailing premium rate.
J. Approval of Loan Modifications - The Company shall not unreasonably
withhold any approval required to be obtained in connection with any of
the changes listed in Sections II., G., and H.,; however, failure by the
Insured to obtain any such approval with respect to any Loan shall
constitute a waiver of coverage for that Loan and the Company shall
refund premium for the period following such waiver.
K. Servicing - The Loans will be serviced by one of five servicers
qualified and approved by the Company and the Insured. Unless the prior
written approval of the Company is obtained, the Servicing of any of the
Loans may not be transferred, sold, or assigned unless such transfer,
sale or assignment is approved in writing by the Company. The Company
shall not unreasonably withhold approval of a proposed servicer. The
Company's approval shall be deemed to be given for the transfer, sale or
assignment of all or part of the Loans to a federally insured bank or
savings association, an institutional investor, the Federal Home Loan
Mortgage Corporation ("Xxxxxxx Mac"), Xxxxxx Mae, or to a Xxxxxx Xxx or
Xxxxxxx Mac approved mortgage banker, provided that notice of the same
is given as required by this paragraph.
L. Change of Insured - If all of the Loans are transferred, sold or
assigned by the Insured, coverage will continue PROVIDED THAT (a) notice
thereof is given to the Company within thirty (30) days of such change,
(b) the change in ownership, however denominated, is not occasioned by
the redemption, repurchase, cancellation or other method of
extinguishing the transaction pursuant to which the Loans were
securitized, and (c) the Company approves the change in writing. The
Company shall not unreasonably withhold approval of an new Insured.
M. Coordination and Duplication of Insurance Benefits -
1. If any portion of a Loan is uninsured, all payments made by the
Borrower on the Loan shall be allocated to the insured portion of
the Loan in the same ratio as the insured principal amount bears to
the total principal amount of the Loan. The Insurance Benefit
hereunder shall likewise be calculated on the same pro rata basis.
2. The Insured shall not carry duplicate mortgage guaranty insurance
(other than mortgage guaranty pool insurance or supplemental
mortgage guaranty insurance) on any Loan.
3. If at the time of Default there is any other valid and collectible
insurance in effect for the Loan which would attach if this
insurance were not in effect, then the coverage under this Policy
shall apply only as excess coverage and in no event as contributing
insurance.
N. Mitigation of Loss - The Insured and its Servicer shall attempt to limit
and mitigate loss by adhering to customary servicing standards
applicable to delinquent Loans, which may include in appropriate cases,
but is not limited to, trying to obtain a cure of Defaults and trying to
effectuate a Pre-Arranged
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Sale or voluntary conveyance of the Property. The Insured shall permit
the Company to participate in workout activities for any Loan in
Default. Failure of the Insured to materially comply with this Section
II., N., with respect to any Loan shall entitle the Company to adjust
the Claim Amount by the amount the Company was damaged by such
noncompliance. The Company shall attempt to limit and mitigate any loss
to the Insured which will not be covered by the Insurance Benefit
provided under this Policy.
III. Exclusions from Coverage
The Company shall not be liable for, and the Policy shall not apply to,
extend to or cover the exclusions listed below. In the event that coverage
is excluded for any Loan, the Company will refund all premium for that Loan
for the period following the occurrence of the event giving rise to such
exclusion. Except where prohibited by law, if the damage to the Company
arising from an excluded event can be reasonably quantified, the Company
shall adjust the Claim Amount by the amount of such damage rather than
exclude coverage altogether for such Loan, unless a refund of premium as
provided for in the preceding sentence would provide a greater payment to
the Insured.
A. Balloon Payment Exclusion - Any Claim arising out of or in connection
with the failure of the Borrower to make any payment of principal and
interest due under the Loan, which payment becomes due when the Insured
exercises its right to call the Loan when not in default or because the
term of the Loan is shorter than the amortization period, and which
payment is for an amount more than twice the regular periodic payment of
principal and interest that are set forth in the Loan (commonly referred
to as a "Balloon Payment"); provided, however, that this Exclusion shall
not apply if the Insured or its Servicer offers the Borrower in writing,
before the due date of the Balloon Payment, a renewal or extension of
the Loan, or a new loan at then current market rates, in an amount not
less than the then outstanding principal balance and with no decrease in
the amortization period and the Borrower declines to seek such renewal
or refinancing.
B. Effective Date Exclusion - Any Claim resulting from a Default occurring
before the Effective Date of the Policy or after its lapse,
cancellation, or expiration; or after coverage is canceled with respect
to the Loan.
C. Incomplete Construction Exclusion - Any Claim when, as of the date of
such Claim, construction of the Property had not been completed in
accordance with the construction plans and specifications approved by
the Loan originator at the time the Loan was originated or in accordance
with the Original Appraisal. (This Incomplete Construction Exclusion
shall not apply if the construction of the Property has been fully
completed and, if Physical Damage occurs during construction, any
repairs necessary to restore the Property to its complete condition,
reasonable wear and tear excepted, have been completed.) However,
coverage for a Default occurring during construction may be excluded by
Section III., B., (Effective Date Exclusion) above.
D. Residential Property Exclusion - Any Claim where the Property is not, as
of the date the Loan is Closed, on the Effective Date, and on the date
the Claim is filed, Residential real property.
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E. Negligence and Fraud Exclusion - Any Claim involving or arising out of,
or any Claim where the origination of the Loan or extension of coverage
hereunder involved or arose out of, any dishonest, fraudulent, criminal,
or knowingly wrongful act (including error or omission) by the Insured,
the Servicer or any agent of the Insured or Servicer; or any Claim
involving or arising out of the negligence of the Insured or the
Servicer, which negligence is material either to the acceptance of the
risk or to the hazard assumed by the Company.
F. Non-Approved Servicer Exclusion - Any Claim occurring when the Servicer,
at the time of Default or thereafter, was not approved by the Company,
provided, however, that this Non-Approved Servicer Exclusion shall not
apply to any Loan for which a Default occurs within 150 days after the
Company withdraws approval of the Servicer for such Loan. If the Company
decides to withdraw approval of a Servicer it shall give written notice
of that decision to the Insured for each affected Loan as shown in the
Company's records.
G. Physical Damage Exclusion - Any Claim where there is Physical Damage to
the Property, occurring or manifesting itself after the Effective Date;
provided, however, that this exclusion will not apply (i.e., the Company
will provide coverage for a Claim) where Physical Damage has occurred to
the Property if:
1. The Default giving rise to a Claim was not primarily caused by an
Uninsured Casualty occurring prior to such Default, and the Company
has elected to pay either the Percentage Option or the Pre-Arranged
Sale Option as the Insurance Benefit for the Loan; or
2. The Property has been restored to its condition as reported in the
Original Appraisal (as fully completed), reasonable wear and tear
excepted. The Insured may elect to accept a reduction in the Claim
Amount by an amount equal to the estimated cost to completely
restore the Property as would otherwise be required by this
exclusion rather than be required to restore the Property to obtain
an Insurance Benefit under this Policy. In the event the Company
relies on an estimate for such restoration that is not obtained by
the Insured, then the Company shall, at the request of the Insured,
provide a copy of such estimate to the Insured.
H. Loan to Value Ratio Exclusion - Any Claim where the original principal
balance of the Loan exceeded one hundred percent (100%) of the FMV of
the Property at the time the Loan was originated, and such fact was not
disclosed to the Company at the time coverage under this Policy was
extended to such Loan.
I. Negative Amortization Exclusion - Unless otherwise endorsed, any
Negative Amortization with respect to a Loan.
J. Defenses to Loan Exclusion - That portion of any Claim equal to the
amount of the indebtedness from which the Borrower is released, or any
Claim against which the Borrower successfully asserts defenses that have
the effect of releasing, in whole or in part, the Borrower's obligations
to repay the
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Loan, provided, however, this Defenses to Loan Exclusion shall not apply
where the release of the Borrower is the result of a bankruptcy "cram
down" so long as the Insured has continued to pay premium on the full
amount of the indebtedness and that all other conditions of this Policy
have met.
K. Environmental Impairment Exclusion - Any Claim where there is
Environmental Impairment to the Property which existed prior to the
Effective Date if the existence, or suspected existence, of the
Environmental Impairment was not disclosed in the Application and the
Environmental Impairment (i) is a principal cause of the Default, and
(ii) has made the principal Residential structure on the Property
uninhabitable. A structure will be considered "uninhabitable" if
generally recognized standards for residential occupancy are violated or
if, in the absence of such standards, a fully informed and reasonable
person would conclude that such structure was not safe to live in
without fear of injury to health or safety. Notwithstanding the
foregoing, this exclusion shall not apply if the Insured has removed or
remedied the condition that constitutes the Environmental Impairment or
the Insured has removed the hazardous character of such condition in
accordance with applicable federal, state or local laws.
IV. Conditions Precedent to Payment of Claim
The following Claim payment procedures contain the conditions precedent to,
and additional limitations upon the Company's obligation to pay Insurance
Benefits under this Policy:
A. Notice of Default - The Insured shall give the Company notice:
1. Within forty-five (45) days of Default, if it occurs when the first
payment is due under a Loan; or
2. Not later than the last business day of the month following the
month in which the first of the following events occur:
a. The date when the Borrower becomes three (3) periodic payments in
Default on the Loan if the periodic payments are made monthly, and
not later than ninety (90) days after the occurrence of a Default
for Loans having periodic payments more often than once a month; or
b. Foreclosure or other Appropriate Proceedings have been commenced.
Such notice shall be on forms provided by or approved by the Company or
via a medium acceptable to the Company. Unavailability of Company forms
is not a valid reason for delay in reporting. Failure to report a
Default as required by this Section IV., B., shall entitle the Company
to deduct from the Claimable Amount of a Claim thirty (30) days of
interest accruing on the Loan during the period between the date the
notice of Default should have been filed and the date it was submitted
to the Company.
B. Monthly Reports - Following a notice of Default on a Loan or the
commencement of Appropriate Proceedings, the Insured shall give the
Company monthly reports on forms furnished or approved by
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the Company or via a medium acceptable to the Company, on the status of
the Loan and on the servicing efforts undertaken to remedy the Default
or conclude the Appropriate Proceedings. These monthly reports shall
continue until the Borrower is no longer in Default, the Appropriate
Proceedings terminate, or until title to the Property has been
transferred to the Insured.
C. Company's Options after Notice of Default - If the Company so directs,
at any time after receiving the Insured's notice of Default, the Insured
shall file a Claim within twenty (20) days and the Company may elect to
pay the Insurance Benefit pursuant to the Percentage Option. Thereafter,
following the Insured's acquisition of the Borrower's Title to the
Property, the Insured shall be entitled to file a supplemental Claim in
an amount equal to the sum of the Advances not included in the initial
Claim, plus any Deficiency Expenses (See Section I.,R.) subject to the
limitations and deductions of Section V., B., (Calculation of Claim
Amount) and such supplemental Claim shall be paid by the Company in
accordance with the Percentage Option.
D. Voluntary Conveyance - The Insured may accept a conveyance of title from
the Borrower in lieu of foreclosure or other proceedings if:
1. The ability of the Insured to preserve, transfer and assign to the
Company the Insured's rights against the Borrower is not impaired;
and
2. The rights of the Company under this Policy against such Borrower
are not adversely affected; or if
3. The written approval of the Company has been obtained; provided,
however, it is understood that such approval shall not constitute
nor be deemed an admission of liability by the Company with respect
to coverage for the related Loan.
E. Appropriate Proceedings - The Insured MUST begin Appropriate Proceedings
when the Loan becomes six (6) months in Default unless the Company
provides written instructions that some other action be taken. The
Company reserves the right to direct the Insured to institute
Appropriate Proceedings at any time after Default. When either defending
against or bringing Appropriate Proceedings, the Insured shall report
the status of these proceedings to the Company as reasonably and
expeditiously as possible.
In conducting Appropriate Proceedings, the Insured shall:
1. Diligently pursue the Appropriate Proceedings once they have begun;
2. Apply for the appointment of a receiver and assignment of rents, if
permitted by law, requested by the Company, and appropriate for the
Property;
3. At the request of the Company, furnish the Company with copies of
all notices and pleadings filed or required in the Appropriate
Proceedings;
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4. Act so that its ability to preserve, transfer and assign to the
Company its rights against the Borrower is not impaired; and so that
the rights of the Company under this Policy against the Borrower are
not adversely affected, including any rights to obtain a deficiency
judgment, provided that the Insured shall not be required to pursue
or establish a deficiency against the Borrower in those states where
the Company is not permitted to pursue such a deficiency;
5. Bid an amount at the foreclosure sale which is not less than the
minimum amount nor more than the maximum amount set forth below,
unless the Company notifies the Insured of other instructions or
waives its right to give bidding instructions, in writing.
a. If the FMV of a Property is less than the Uninsured Loan Balance,
the Insured shall start bidding at not less than the FMV of the
Property and may continue bidding up to a maximum of the Uninsured
Loan Balance.
b. If the FMV of a Property is greater than the Uninsured Loan
Balance, the Insured shall start bidding at not less than the
Uninsured Loan Balance up to a maximum amount equal to the Claim
Amount.
If other bidding instructions are provided they will not specify a
maximum bid that is less than the Uninsured Loan Balance, and, if
the Property is subject to redemption for less than the outstanding
amount of the Loan, then such other bidding instructions will not
specify an opening bid of less than the Uninsured Loan Balance.
F. Pre-Arranged Sales - In the event of Default on a Loan, it shall be a
condition precedent to payment of any Insurance Benefit on the Loan that
(i) the Insured attempt to obtain a Pre-Arranged Sale of the Property
whenever reasonable, and (ii) the Insured shall authorize its broker,
when requested by the Company, to release marketing information for the
Property to the Company, if requested by the Company, unless the Insured
shall have notified the broker that the Company's right to acquire the
Property has expired or been waived. For purposes of this section, a
"Pre-Arranged Sale Offer" means an offer to purchase the Property
received by the Insured, together with a schedule of (i) expense items
proposed by the Insured to be included in the settlement amount of the
Pre-Arranged Sale Offer is accepted and the proposed Property sale
closes, and (ii) the Insured's then-estimated amounts thereof.
Pre-Arranged Sale Offers that the Insured chooses to submit to the
Company will be approved or rejected by the Company.
G. Claim Requirements - The Insured must provide the Company with:
1. A completed form furnished or approved by the Company for payment of
a Claim ("Claim for Loss Form"); and
2. All information reasonably requested on the Claim for Loss Form
together with all documentation requested on or necessary to
complete such Claim for Loss Form; and
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3. Evidence satisfactory to the Company that the Insured has acquired
the Borrower's Title to the Property, except where the Company has
elected the Pre-Arranged Sale Option provided, however, if the
primary cause of the Default was a circumstance or event which would
prevent the Insured from obtaining Good and Merchantable Title, then
no matter which settlement option the Company elects, the Insured
must comply with the requirements of Section IV., G., 4, as if the
Company had elected the Acquisition Option; and
4. In the event the Company elects the Acquisition Option, a recordable
deed in normal and customary form containing the usual warranties
and covenants conveying to the Company or its designee Good and
Merchantable Title to the Property, along with evidence satisfactory
to the Company that the Insured has acquired and can convey to the
Company or its designee Good and Merchantable Title to the Property;
and
5. All other documentation or information reasonably requested by the
Company for purposes of investigating and/or adjusting the Claim;
and
6. Access to the Property for purposes of determining its value, and
for investigating and/or adjusting the Claim; provided, however, if
the Company elects the Acquisition Option, then Possession of the
Property must be provided by the Insured, unless the Company waives
this requirement in writing.
V. Loss Payment Procedure
A. Filing of Claim - The Insured shall file a Claim no later than sixty
(60) days after the earlier of acquiring the Borrower's Title to the
Property or a Pre-Arranged Sale, provided that if the Company elects to
acquire the Property, then no later than sixty (60) days after the
Insured acquires Good and Merchantable Title to the Property. Failure of
the Insured to file a Claim within this time period shall (i) relieve
the Company of any obligation to include in the Claim Amount interest
and Advances accruing on the Loan after such sixty (60) day period has
expired, and (ii) entitle the Company to adjust such Claim to the extent
that the Company is prejudiced by such late filing of the Claim, up to
100% of the Insurance Benefit.
Unavailability of Company forms is not a valid reason to delay filing a
Claim. If a Claim filed by the Insured is incomplete the Company shall
within twenty (20) days of receipt of a Claim, notify the Insured of all
items needed to perfect such Claim. If no notice of deficiency of the
Claim is sent within the twenty (20) day period following receipt of the
Claim by the Company, then the Claim shall be deemed to be perfected as
of the date the Company received the Claim.
B. Calculation of Claim Amount - The Claim Amount for any Loan shall be an
amount equal to the sum of:
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1. The Default Amount but excluding any portion of the principal
balance attributable to any increase therein after the first payment
is due and payable, and excluding capitalized penalty interest or
late payment charges. (See Section III., I., (Negative Amortization
Exclusion) THIS POLICY DOES NOT COVER NEGATIVE AMORTIZATION UNLESS
SUCH COVERAGE IS ENDORSED FOR A LOAN); and
2. The amount of accumulated delinquent interest due on the Loan at the
contract rate stated in the Loan from the date of Default through
the date that the Claim is submitted to the Company, but excluding
applicable late charges and penalty interest; additional interest
computed on the Default Amount until the Pre-Arranged Sale of the
Property, and thereafter until the Pre-Arranged Sale closing
information is submitted, computed on the Default Amount reduced by
the net proceeds of such Pre-Arranged Sale (For purposes of this
Section, "late charges and penalty interest" includes, but is not
limited to, increases in interest rate caused by non-performance of
the Borrower. In no event will the Claim Amount include interest at
a rate other than what the Insured would receive if the Loan were
paid as current in accordance with its own terms); and
3. The amount of Advances made by the Insured; provided that:
a. Attorney's fees advanced thereunder shall not exceed three
percent (3%) of the sum of the (1) and (2) above; and
b. Payment for Advances other than Attorney's fees, shall be
prorated through the earlier of the date the Claim is submitted to
the Company or the Pre-Arranged Sale of the Property;
less:
----
4. All rents and other payments (excluding proceeds of fire and
extended coverage insurance and proceeds of a Pre-Arranged Sale)
collected or received by the Insured, which are derived from or in
any way related to the Property;
5. The amount of cash available to the Insured remaining in any escrow
account as of the last payment date;
6. The amount of cash to which the Insured has retained the right of
possession as security for the Loan; and
7. The amount paid under applicable fire and extended coverage policies
which has not been applied to either the restoration of the
Property, if the Property suffered Physical Damage, or to the
payment of the Loan; and
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8. The amount expended by the Insured for Advances requiring approval
by the Company which are not in compliance with the Company's
guidelines and which have not been approved by the Company.
C. Payment of Insurance Benefit - The Company, at its sole option, shall
elect one of the following three options and pay to the Insured, on or
before the last day of the Claim Settlement Period, as the Insurance
Benefit, either:
1. The Acquisition Option which shall equal the Claim Amount less the
amount of any payments of Loss previously made by the Company with
respect to the Loan, payable in exchange for the conveyance of Good
and Merchantable Title to and Possession of the Property; provided,
however, that if the Insured is unable to perform any conditions
precedent to payment of a Claim within the later of thirty (30) days
after the redemption period or ninety (90) days after the Claim
Adjustment Period, then, so long as the Claim is not otherwise
excluded, the Insured may retain title to the Property and the
Insurance Benefit under this Acquisition Option shall be an amount
equal to the Company's Anticipated Loss in connection with such
Property ; or
2. The Percentage Option which is an amount equal to the Claim Amount
multiplied by the percentage of coverage specified in this Policy,
or
3. The Pre-Arranged Sale Option is an amount equal to the lesser of the
Percentage Option or the Insured's actual loss in connection with a
Pre-Arranged Sale of the Property. The Insured's actual loss shall
be an amount equal to the Claim Amount plus all reasonable costs
incurred in obtaining and closing such sale less the proceeds of the
Pre-Arranged Sale.
In addition to payment under one of the foregoing options, the Company
will pay whatever Deficiency Expenses are payable to the Insured
pursuant to Section V., D. (Deficiency Expenses).
In the event that a Pre-Arranged Sale fails to close prior to the end
of the Claim Settlement Period, the Company may postpone payment of the
Insurance Benefit for up to (90) ninety days, or if earlier, until such
Pre-Arranged Sale closes or is terminated, provided that interest on
the Default Amount at the rate due upon the Loan during such
postponement is paid to the Insured.
Further, in the event the Property is redeemed after the payment of the
Percentage Option, the Insured shall be obligated to promptly refund to
the Company the amount, if any, by which the redemption price plus the
Insurance Benefit exceeds the Claim Amount.
In the event the Company does not pay the Insurance Benefit within the
Claim Settlement Period, it will pay interest on the Insurance Benefit
at the rate due under the Loan from the last day of the Claim
Settlement Period until the Claim is paid.
D. Deficiency Expenses - Notwithstanding the provisions of Section V., C.,
(Payment of Insurance Benefit) above, in the case where a deficiency
against the Borrower is being pursued solely at the
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request of the Company, then any Deficiency Expenses shall be added to
the amount of the Insurance Benefit. If a deficiency against a Borrower
is being pursued as part of Appropriate Proceedings, for the benefit of
both the Insured and the Company, then at the time such deficiency
rights are established or a deficiency judgment is obtained, whichever
shall occur first, the Deficiency Expenses plus any similar expenses
incurred by the Company in connection with such deficiency shall be
settled between the parties on the same pro rata basis set forth in
Section VI., B. (Subrogation) for the settlement of deficiency
recoveries. Expenses and costs arising after that point shall be treated
as collection expenses to be netted against the deficiency recovery, if
any, (and, if none, to be shared between the parties on the same pro
rata basis when it becomes clear that nothing will be recovered).
To facilitate the decision of whether to pursue or establish a
deficiency against a Borrower, the Insured shall provide the Company
with any information it may have relevant to collecting on a deficiency
judgment for that case. The Company will discuss all such information it
may have with the Insured so that the parties can decide whether any
Appropriate Proceedings (necessary to establishing or pursuing a
deficiency) are to be pursued for the benefit of both parties or whether
one of the parties will elect not to participate in any recovery. The
Insured will be deemed to be participating in Appropriate Proceedings
solely at the request of the Company when such proceedings are not a
condition precedent to obtaining Borrower's Title to or Possession of a
Property and, after the parties have exchanged information on the Loan,
the Insured has advised the Company in writing why the Insured does not
wish to participate in such proceedings.
E. Discharge of Obligation - Any payment by the Company in accordance with
Section V., C., (Payment of Insurance Benefit) and, if applicable,
Section V., D., (Deficiency Expenses) or Section IV., C., (Company's
Options after Notice of Default), taking into account appropriate
adjustments, shall be a full and final discharge of the Company's
obligation under this Policy with respect to the related Loan.
Notwithstanding the preceding sentence, the Company shall not be
relieved of its obligation to pay any appropriate supplemental Claims
filed pursuant to Section IV., C., (Company's Options after Notice of
Default) or as may otherwise be agreed to by the Company.
VI. Additional Conditions
A. Proceedings of Eminent Domain - In the event that part or all of the
Property is taken by eminent domain, condemnation or by any other
proceedings by federal, state or local governmental unit or agency, the
Insured shall require that the Borrower apply the maximum permissible
amount of any compensation awarded in such proceedings to reduce the
principal balance of the Loan, in accordance with the law of the
jurisdiction where the Property is located.
B. Subrogation - The Company shall be subrogated pro rata, to the full
extent permitted by law (except where the Company is prohibited by law
from pursuing recovery of a Loan), to all of the Insured's Recovery
Rights with respect to a Loan, upon payment of a Claim hereunder.
"Recovery Rights" shall mean all rights of recovery against the Borrower
and any other Person or organization relating to the Loan or to the
Property. The Company's pro rata share of the net deficiency recovered
(i.e., amounts
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recovered less reasonable costs and expenses) with respect to any Loan
shall be the amount of the Insurance Benefit divided by the amount of
the deficiency judgment. Internal staff costs and overhead expenses
shall not be deducted in determining the amount of a net deficiency
recovery unless specifically agreed to in writing by the parties.
The Insured hereby designates the Company its exclusive agent (i) to
pursue all of the Insured's Recovery Rights to which the Company has not
become subrogated by payment of a Claim (i.e., the Insured's share of
the Recovery Rights), (ii) to file any action in the Company's name as
assignee of the Insured, to collect on the Insured's Recovery Rights,
and (iii) to settle and compromise any such Recovery Rights on behalf of
the Insured, it being understood and agreed that the Company shall have
the exclusive rights to pursue and settle all Recovery Rights for any
Loan on which a Claim payment is made hereunder, unless waived in
writing by the Company. If the Company decides not to pursue Recovery
Rights with respect to a Loan, then the Company shall issue a written
waiver of its subrogation and management rights to the Insured. The
Insured shall execute and deliver at the request of the Company such
instruments and documents, and undertake such actions as may be
necessary to transfer, assign and secure such Recovery Rights to the
Company. The Insured shall refrain from any action, either before or
after payment of a Claim hereunder that shall prejudice such Recovery
Rights.
Notwithstanding any provision in the foregoing paragraph to the
contrary, in the event the Insured has, in addition to Recovery Rights
against a Borrower or any other Person, a claim or claims against such
Borrower or other Person not related to the Recovery Rights, then the
Insured shall have the right to pursue in its own name all the Recovery
Rights in conjunction with the Insured's other claim or claims, and the
Company will waive its right to manage the pursuit of the Recovery
Rights.
The execution by the authorized party, even if it be a party other than
the Insured, of a release or waiver of the right to collect the unpaid
balance of a Loan, if it has such effect, shall release the Company from
its obligations hereunder to the extent and amount of such release or
waiver, unless the Company is prohibited by law from pursuing recovery
of such Loan.
C. Representations and Reliance; Incontestability - All statements made by
the Insured, the Servicer, the Borrower or any other Person in any part
of the Application, including the Original Appraisal, plans and
specifications, or any exhibits or documents submitted therewith, are
deemed to be the Insured's representations. The Company has issued this
Policy and has extended coverage to each Loan listed on the Certificate
Schedule in reliance on the correctness and completeness of such
representations as made or deemed to be made by the Insured.
No Claim otherwise payable under this Policy with respect to a Loan will
be denied, nor will the coverage for such Loan be rescinded, based on
any misrepresentation in the Application made by the Borrower or any
Person other than a First Party, once twelve (12) regularly scheduled
periodic payments have been made on that Loan from the Borrower's Own
Funds.
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Notwithstanding the foregoing provisions of this Section VI., C.,, the
Company will not be precluded from denying a Claim or rescinding
coverage for a Loan where prior to the Borrower making twelve (12)
regularly scheduled payments from the Borrower's Own Funds, the Company
notifies the Insured in writing that the Company has sufficient evidence
to establish a reasonable belief that there was a material
misrepresentation made in the Application with respect to such Loan and
the Company provides a reasonable description of such misrepresentation.
D. Notice - Premium payments are to be paid as provided in Sections II.,
B., and C., and sent to the Company at the address listed on the
Commitment, or as otherwise instructed by the Company in writing. All
other notices, Claims, tenders, reports and other data required to be
submitted to the Company by the Insured shall be either (i) mailed
postpaid, (ii) sent by overnight courier, (iii) transmitted
electronically or via magnetic tape or other media in a manner approved
by the Company, or (iv) sent by telephonic facsimile transmission, to
the Company's home office at the following address and facsimile number:
For Claim matters:
PMI Mortgage Insurance Co.
P. O. Xxx 000000
Xxx Xxxxxxxxx, Xxxxxxxxxx 00000
Attention: Claim Department
Facsimile Number: (000) 000-0000
For Customer Service matters:
PMI Mortgage Insurance Co.
X.X. Xxx 0000
Xxx Xxxxxxxxx, Xxxxxxxxxx 00000
Attention: Customer Service Department
Facsimile Number: (000) 000-0000
All notices to the Insured shall be given to the Servicer unless the
Company has not been notified that a Loan is being serviced by a Person
other than the Insured, and shall be either (i) mailed postpaid, (ii)
sent by overnight courier, (iii) transmitted electronically or
magnetically in a manner approved by the Insured, or (iv) sent by
telephonic facsimile transmission, to the Servicer, at the address and
facsimile number provided in writing by the Insured to the Company, or
to the last known address and facsimile number for that Servicer, except
that for facsimile transmissions, the Company shall confirm
telephonically or otherwise the accuracy of the facsimile number used.
Nonpayment notices under Section II., C. and notices required under
Section III., F. shall be sent to both the Insured and the Servicer
whenever the Company has been notified that the Servicer is a Person
other than the Insured. All notices to the Insured and Servicer will be
sent to those Persons whom the Company was last notified as owning or
servicing the Loan, respectively, at the last known address for such
Persons as reflected in the records of the Company.
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Either party may notify the other of a change in address in the same
manner as provided for giving notice. All notices, Claims, tenders,
reports and other data required to be submitted to the Company or to the
Insured shall be deemed to have been given five (5) days after the same
is deposited in the U.S. Mail, delivered to an overnight courier, or
transmitted in a manner approved above, unless actually received
earlier. If the Insured requests that notices be sent to a third party
other than the Insured and Servicer, the Company agrees to use its best
efforts to give such notices but the Company shall not incur any
liability for failure to send any notice to any third parties.
E. Reports and Examinations - As pertinent to any Loan or the Policy, the
Company may call on the Insured for such reports as it may deem
reasonably necessary, and may inspect the files, books and records of
the Insured as they pertain to any Loan or to the Policy. The Company
has the right to require that any information which the Insured is
required to provide under this Policy be certified as to its
truthfulness and accuracy by an officer or properly authorized employee
of either or both the Insured and the Servicer.
F. Arbitration - Unless prohibited by applicable law, any controversy or
dispute, including any Claim made hereunder, arising out of or relating
to this Policy, may, upon the mutual consent of all parties to the
dispute, be settled by binding arbitration in accordance with the title
insurance rules of the American Arbitration Association in effect on the
date the demand for arbitration is made. If this remedy is elected by
all parties to the dispute, then the decision of the arbitrator(s) shall
be final and binding on all the parties, and shall be enforceable in any
court of competent jurisdiction in the United States of America.
G. Suit -
1. No suit or action for recovery of any Claim or Insurance Benefit
under this Policy shall be sustained in any court of law or equity
unless the Insured has materially and substantially complied with
the terms and conditions of this Policy, and unless the suit or
action in equity is commenced within three (3) years or such longer
period of time as may be required by applicable law, after (i) the
Claim has been presented to the Company or (ii) the date on which
the cause of action accrued, whichever is earlier. No suit or action
on a Claim or Insurance Benefit may be brought against the Company
until sixty (60) days have elapsed from the later of the date that
the Insured is notified that Claim is perfected or from the date the
Claim is deemed to be a Perfected Claim, unless the subject matter
of the suit or action is whether a Perfected Claim has been filed.
2. If a dispute arises concerning the Loan and involving either the
Property or the Insured, the Company has the right to protect its
interest by defending any action arising from such dispute, even if
the allegations involved are groundless, false or fraudulent. The
Company is NOT REQUIRED to defend any lawsuit involving either the
Insured, the Property or the Loan. The Company shall also have the
right to direct the Insured to institute suit on the Insured's
behalf, if this suit is necessary or appropriate to preserve the
Company's rights in connection with a Loan
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or Property. If any litigation costs and expenses incurred by either the
Company or the Insured under this Section VI., G., arise out of an
action involving the negligent or wrongful conduct or breach of contract
on the part of the Insured, then the Insured shall bear all such costs
and expenses, and in all other cases, the Company shall bear such costs
and expenses.
H. Parties in Interest - This contract shall be binding upon and inure to
the benefit of the Company and its successors and assigns and the
Insured and its permitted successors and assigns. Neither the Borrower,
nor any successive owner of a Property, nor any pool insurance carrier,
nor any other Person is included or intended as a third party
beneficiary to this Policy. Payments made to the Insured hereunder are
intended as indemnification for actual loss and shall not affect nor
impair the Insured's rights of recovery against the Borrower subject,
however, to the provisions of Section VI., B., (Subrogation). Because
the Company and the Insured are the only parties to the Policy, they may
agree to modify or amend or terminate this Policy or any Certificate
without the consent of, or notice to, any Borrower, Servicer or any
other Person.
I. Agency - Neither the Insured, its Servicer, its originators, nor any of
their respective employees or agents shall be or shall be deemed to be
agents of the Company, nor shall the Company be or be deemed to be an
agent of the Insured or Servicer except to the extent of the Recovery
Rights assigned to the Company pursuant to Section IV., B.,
(Subrogation). The Servicer is deemed to be an agent of the Insured for
all purposes under this Policy, including, but not limited to, for
receiving notices, payments of Insurance Benefit, settling Claims, and
performing acts required of the Insured under this Policy excepting for
receipt of notices required under Section III., F., (Non-Approved
Servicer).
J. Governing Law; Conformity to Statute - This Policy, including the
Certificate Schedule, Claim or Insurance Benefit related to any Loan,
shall be governed by the law of the jurisdiction in which the original
named Insured is located as shown in on the face page hereof. Any
provision of this Policy which is in conflict with the law of the
aforesaid jurisdiction is hereby amended to conform to the minimum
requirements of that law.
K. Electronic Data Storage - It is understood that the Company may store
information, the contents or images of documents or other data on
electronic media or other media generally accepted for business records
(such as microfiche). The Company and Insured agree that the data stored
on such electronic or other media are equally acceptable between the
parties for all purposes as information, documents or other data
maintained in printed or written form, including but not limited to, for
the purposes of litigation or arbitration.
L. No Waiver - Except as provided in Section VI., C., Representations and
Reliance; Incontestability, nothing contained in this Policy shall be
deemed to waive or limit the Company's rights arising at law or in
equity to rescind or reform this Policy or the Certificate in the event
that material misrepresentations of fact or fraudulent statements were
relied upon by the Company in issuing this Policy or extending coverage
hereunder to any Loan.
23
[LOGO OMITTED]
PMI
SCHEDULE ENDORSEMENT TO
BULK PRIMARY FIRST LIEN MASTER POLICY
(the "Policy")
POLICY ISSUED TO: ATTACHED TO AND FORMING
PART OF POLICY NUMBER:
BNY Western Trust Co as Co-Trustee for the 00000-0000-0
CWABS Asset-Backed Certificates Series 2004-AB1
000 Xxxxx Xxxxxx Xxxxxx, Xxxxx 000
Xxx Xxxxxxx, XX 00000-0000
EFFECTIVE DATE OF POLICY: EFFECTIVE DATE OF SCHEDULE
ENDORSEMENT:
September 1, 2004 September 1, 2004
The Schedule Endorsement hereby extends coverage under the above Policy of
Insurance, from and after the date of this Schedule Endorsement, to those
Loans listed in the Certificate Schedule attached hereto and made a part to
this Schedule Endorsement (herein called "Schedule A").
The term "Effective Date" for the Loan(s) covered by this Schedule Endorsement
shall mean the date stated above.
Except for the foregoing amendments, the Policy and all terms, conditions,
provisions, and limitations of the Policy remain in full force and effect.
None of the terms, conditions, provisions and limitations of the Policy have
been varied, waived, altered or extended in any manner except as expressly set
forth in this Schedule Endorsement.
IN WITNESS WHEREOF, the Company has caused this Endorsement to be signed by
its duly authorized officers as of the Effective Date first above stated.
PMI MORTGAGE INSURANCE CO.
[SEAL]
BY: /s/ L. Xxxxxxx Xxxxx BY: /s/ Xxxxxx X. Xxxxxxxxxx
---------------------------- -------------------------------
L. Xxxxxxx Xxxxx, President Xxxxxx X. Xxxxxxxxxx, Secretary
Loan Coverage
Certificate Number Number % Loan Level Premium
32578292 35171590 12 0.334
32578306 35179373 35 2.300
32578314 37506301 35 2.070
32578322 40238011 35 1.638
32578331 44070768 35 0.739
32578349 44535414 25 0.655
32578357 52735067 25 0.620
32578365 54561156 35 1.100
32578373 54731272 35 1.295
32578381 56596167 35 0.660
32578390 56681694 35 0.815
32578403 56705361 35 1.791
32578411 56716818 30 1.283
32578420 56720747 30 1.000
32578438 56771873 35 2.081
32578446 56772289 30 1.093
32578454 56772489 35 1.351
32578462 56788347 35 1.773
32578471 56919388 35 1.279
32578489 56921500 12 0.373
32578497 56925404 12 0.322
32578501 56933589 35 2.439
32578519 56938846 25 0.795
32578527 56949431 35 1.940
32578535 56963785 35 0.841
32578543 56969586 35 1.324
32578551 57000798 12 0.348
32578560 57005430 35 0.569
32578578 57005462 25 0.337
32578586 57007391 35 1.969
32578594 57035338 30 0.292
32578608 57054333 30 0.793
32578616 57069126 25 0.434
32578624 57071719 35 1.307
32578632 57074519 35 1.022
32578641 57469627 35 1.365
32578659 57623054 35 1.760
32578667 57772360 30 0.919
32578675 57840281 25 0.720
32578683 57925660 35 0.987
32578691 58176259 30 0.941
32578705 58212808 30 1.198
32578713 58361066 35 1.691
32578721 58379236 35 2.258
32578730 58382853 35 1.622
32578748 58425522 35 0.968
32578756 58433915 35 1.603
32578764 58442612 35 0.959
32578772 58455726 35 1.708
32578781 58499892 30 1.510
32578799 58503916 35 1.167
32578802 58507237 25 0.539
32578811 58540441 30 1.329
32578829 58546601 25 0.942
32578837 58573117 35 1.761
32578845 58574181 35 2.438
32578853 58600368 25 0.299
32578861 58644222 35 2.002
32578870 58655463 30 1.285
32578888 58660584 30 1.080
32578896 58683923 35 1.984
32578900 58699117 30 1.144
32578918 58703325 35 2.411
32578926 58710942 25 0.523
32578934 58762405 12 0.279
32578942 58762605 35 1.377
32578951 58794889 35 0.614
32578969 58807339 12 0.221
32578977 58819581 30 1.087
32578985 58821517 35 1.244
32578993 58823901 35 2.215
32579001 58830934 25 0.600
32579019 58831086 25 0.587
32579027 58831334 35 1.837
32579035 58834622 25 0.589
32579043 58834678 25 0.610
32579051 58834718 25 0.697
32579060 58841703 35 0.939
32579078 58841759 30 0.544
32579086 58843808 35 1.745
32579094 58854161 25 0.587
32579108 58855737 25 0.440
32579116 58860618 35 1.317
32579124 58860642 35 0.782
32579132 58860706 30 0.702
32579141 58860730 35 1.199
32579159 58860778 35 0.572
32579167 58860834 35 1.403
32579175 58860842 30 0.680
32579183 58860866 35 1.500
32579191 58860914 35 0.791
32579205 58861010 30 0.944
32579213 58861074 35 0.443
32579221 58861098 35 2.060
32579230 58861154 35 1.769
32579248 58861162 35 1.913
32579256 58866066 12 0.385
32579264 58867354 12 0.404
32579272 58879708 30 1.068
32579281 58882764 35 1.118
32579299 58882908 30 1.196
32579302 58883677 35 2.134
32579311 58895382 35 2.002
32579329 58901455 30 0.839
32579337 58915961 25 0.827
32579345 58916113 25 0.873
32579353 58924298 35 1.465
32579361 58930226 35 2.143
32579370 58930274 35 1.321
32579388 58934315 25 0.815
32579396 58935347 30 0.645
32579400 58937739 35 1.394
32579418 58939155 25 0.319
32579426 58945916 25 0.596
32579434 58955053 35 2.256
32579442 58956782 30 0.686
32579451 58959934 30 1.849
32579469 58964119 35 2.085
32579477 58964255 25 0.917
32579485 58970095 30 0.631
32579493 58980449 35 1.360
32579507 58982001 25 0.631
32579515 58988570 35 0.709
32579523 58989778 30 1.215
32579531 58990522 30 0.792
32579540 58990578 30 1.589
32579558 58998379 30 1.211
32579566 59003460 30 1.041
32579574 59016805 30 0.719
32579582 59037264 35 1.235
32579591 59040104 30 0.747
32579604 59043745 25 0.716
32579612 59054042 35 1.003
32579621 59054442 35 1.425
32579639 59054474 35 1.281
32579647 59054746 35 1.011
32579655 59054962 35 2.146
32579663 59055122 12 0.302
32579671 59055154 25 0.853
32579680 59055362 25 0.745
32579698 59058626 25 0.507
32579701 59060387 35 1.508
32579710 59061067 35 2.654
32579728 59065443 35 1.932
32579736 59072868 30 1.433
32579744 59077301 30 1.335
32579752 59089934 35 0.704
32579761 59093415 25 0.839
32579779 59094255 35 2.160
32579787 59094351 30 0.327
32579795 59094391 35 1.878
32579809 59094495 25 0.837
32579817 59099624 25 0.880
32579825 59099976 30 0.678
32579833 59107729 30 1.048
32579841 59114121 30 1.488
32579850 59117218 30 0.515
32579868 59117514 25 0.873
32579876 59117618 12 0.305
32579884 59118394 30 0.645
32579892 59119786 35 3.143
32579906 59120410 35 1.109
32579914 59120434 35 1.410
32579922 59120594 35 2.139
32579931 59122939 35 0.911
32579949 59128035 25 0.785
32579957 59130739 35 1.274
32579965 59134468 25 0.864
32579973 59137220 25 0.886
32579981 59145141 35 0.364
32579990 59148902 30 1.269
32580009 59161519 30 0.448
32580017 59162287 35 1.892
32580025 59162335 35 1.773
32580033 59162864 35 1.139
32580041 59162872 30 0.744
32580050 59162904 35 1.126
32580068 59211934 35 1.884
32580076 59212046 35 1.775
32580084 59214150 35 2.403
32580092 59217678 35 0.526
32580106 59217870 35 1.099
32580114 59226199 25 0.636
32580122 59226255 30 1.061
32580131 59226271 30 1.006
32580149 59230712 30 1.134
32580157 59231208 35 2.240
32580165 59236241 25 0.818
32580173 59237321 35 0.961
32580181 59237353 35 1.529
32580190 59237617 25 0.606
32580203 59240857 35 1.334
32580211 59243106 35 2.625
32580220 59266629 25 0.601
32580238 59267021 30 0.921
32580246 59271565 25 0.516
32580254 59273813 30 0.604
32580262 59281310 35 1.307
32580271 59294600 35 1.777
32580289 59294800 35 1.190
32580297 59299089 35 0.942
32580301 59304241 12 0.287
32580319 59304257 25 0.606
32580327 59307426 25 0.672
32580335 59314370 30 0.985
32580343 59317739 35 1.767
32580351 59325748 12 0.280
32580360 59326244 30 1.415
32580378 59328228 35 1.998
32580386 59333205 30 1.110
32580394 59333245 30 0.571
32580408 59335637 35 1.767
32580416 59344206 25 0.951
32580424 59347247 35 2.098
32580432 59347327 30 1.077
32580441 59347447 35 1.911
32580459 59351167 25 0.588
32580467 59355424 35 1.269
32580475 59356232 25 0.787
32580483 59356496 30 1.197
32580491 59361272 35 1.369
32580505 59361304 35 1.354
32580513 59361328 35 1.215
32580521 59361336 35 1.345
32580530 59373834 25 0.542
32580548 59375114 25 0.726
32580556 59379387 35 1.005
32580564 59380099 35 1.270
32580572 59384859 30 0.929
32580581 59387364 30 1.494
32580599 59388900 35 1.802
32580602 59390988 35 2.149
32580611 59402101 35 1.319
32580629 59402133 35 1.315
32580637 59402165 35 0.805
32580645 59402173 35 0.696
32580653 59403654 30 1.336
32580661 59407550 25 0.795
32580670 59408510 35 1.125
32580688 59409102 30 0.921
32580696 59413487 35 1.316
32580700 59414999 35 1.884
32580718 59415735 30 1.080
32580726 59416311 35 1.974
32580734 59416351 12 0.217
32580742 59420880 35 1.252
32580751 59422976 35 1.453
32580769 59435058 25 0.608
32580777 59443307 12 0.310
32580785 59449507 35 0.937
32580793 59456852 35 2.414
32580807 59457060 30 1.185
32580815 59459045 25 0.545
32580823 59468614 30 1.196
32580831 59473086 35 2.327
32580840 59477199 30 1.618
32580858 59482384 35 0.384
32580866 59487016 12 0.330
32580874 59488352 35 2.163
32580882 59493809 30 0.656
32580891 59495793 35 1.796
32580904 59495873 35 0.645
32580912 59495889 35 0.663
32580921 59495905 30 0.990
32580939 59496033 35 1.774
32580947 59496065 35 1.084
32580955 59496417 35 1.673
32580963 59500314 30 0.720
32580971 59502050 12 0.153
32580980 59502202 35 1.771
32580998 59502306 30 1.034
32581005 59502634 12 0.171
32581013 59503554 25 0.583
32581021 59503610 25 0.612
32581030 59503658 12 0.262
32581048 59504186 35 1.310
32581056 59505602 35 1.369
32581064 59516836 30 0.788
32581072 59517636 35 1.414
32581081 59553536 12 0.196
32581099 59554169 25 0.646
32581102 59559705 30 1.273
32581111 59562866 35 1.087
32581129 59563202 12 0.270
32581137 59563866 35 0.881
32581145 59567234 35 0.776
32581153 59569450 25 0.628
32581161 59570747 35 2.325
32581170 59575467 25 0.778
32581188 59576939 12 0.302
32581196 59577219 35 1.525
32581200 59577899 35 1.700
32581218 59586965 25 0.724
32581226 59587589 30 1.115
32581234 59588573 25 0.647
32581242 59590341 25 0.786
32581251 59591469 35 1.731
32581269 59595918 25 0.833
32581277 59595966 25 0.865
32581285 59596078 30 1.270
32581293 59596086 30 1.028
32581307 59596326 25 0.567
32581315 59596350 12 0.231
32581323 59596446 25 0.785
32581331 59606879 30 1.288
32581340 59606903 30 0.964
32581358 59606927 30 1.248
32581366 59606951 35 1.279
32581374 59606983 35 1.001
32581382 59606991 35 0.780
32581391 59607047 35 1.108
32581404 59607063 35 1.910
32581412 59607079 35 1.251
32581421 59607087 35 0.888
32581439 59607103 35 0.467
32581447 59607175 35 1.170
32581455 59607199 35 1.393
32581463 59607207 35 1.862
32581471 59607223 35 1.936
32581480 59607231 35 1.895
32581498 59607239 35 1.955
32581501 59607255 35 2.080
32581510 59607263 35 1.404
32581528 59607279 35 1.910
32581536 59607303 35 0.563
32581544 59607335 35 2.171
32581552 59607343 35 1.078
32581561 59607351 35 1.723
32581579 59607359 35 1.340
32581587 59607367 35 2.136
32581595 59607383 35 1.468
32581609 59607407 35 0.531
32581617 59611408 30 0.515
32581625 59613304 35 2.169
32581633 59616312 25 0.757
32581641 59616728 25 0.609
32581650 59617536 25 0.619
32581668 59617784 30 1.390
32581676 59623225 30 1.295
32581684 59636611 35 0.987
32581692 59637787 35 0.823
32581706 59656109 12 0.425
32581714 59660334 35 1.246
32581722 59660494 35 0.908
32581731 59671167 35 1.676
32581749 59671279 30 1.183
32581757 59677104 35 1.921
32581765 59691042 35 2.033
32581773 59697738 35 1.740
32581781 59703507 30 0.923
32581790 59705243 30 0.897
32581803 59709404 35 2.080
32581811 59719069 35 1.436
32581820 59720773 30 1.009
32581838 59720805 12 0.284
32581846 59722998 35 0.670
32581854 59725310 25 0.871
32581862 59729278 35 1.594
32581871 59731655 35 1.463
32581889 59820602 12 0.166
32581897 59825538 35 1.910
32581901 59829915 30 1.052
32581919 59836956 35 2.642
32581927 59843965 35 2.002
32581935 59844173 12 0.390
32581943 59844285 12 0.300
32581951 59852878 30 1.141
32581960 59859023 30 1.156
32581978 59859047 25 0.783
32581986 59859071 25 0.586
32581994 59860079 30 0.335
32582001 59875065 35 1.960
32582010 59875825 30 0.696
32582028 59875913 25 0.831
32582036 59875921 25 0.556
32582044 59882362 35 0.655
32582052 59884106 35 0.728
32582061 59888786 35 0.374
32582079 59895859 35 1.750
32582087 59896147 25 0.791
32582095 59898236 30 0.994
32582109 59899188 35 0.605
32582117 59900660 30 0.940
32582125 59900716 35 1.301
32582133 59900732 35 1.950
32582141 59900772 35 0.614
32582150 59900844 35 2.500
32582168 59900884 35 1.266
32582176 59900900 35 1.253
32582184 59900940 35 0.625
32582192 59900956 35 0.511
32582206 59901148 35 0.787
32582214 59905525 12 0.340
32582222 59905869 35 1.433
32582231 59905885 30 0.708
32582249 59906069 30 1.173
32582257 59906117 35 0.789
32582265 59906125 35 0.570
32582273 59906493 35 2.856
32582281 59906533 35 1.938
32582290 59907373 35 1.132
32582303 59907397 30 0.679
32582311 59909597 35 0.832
32582320 59910365 30 0.912
32582338 59913486 30 1.204
32582346 59930632 30 1.626
32582354 59931504 35 2.469
32582362 59931752 35 0.622
32582371 59934136 35 1.960
32582389 59934288 25 0.723
32582397 59943713 35 1.792
32582401 59948578 12 0.276
32582419 59948586 25 0.623
32582427 59948650 25 0.965
32582435 59948674 30 0.440
32582443 59949730 35 2.641
32582451 59949826 30 0.995
32582460 59949930 30 1.103
32582478 59949986 35 0.877
32582486 59951906 25 0.887
32582494 59952338 25 0.798
32582508 59954395 35 2.435
32582516 59954427 35 1.919
32582524 59954683 30 0.715
32582532 59954787 35 0.644
32582541 59954795 35 2.742
32582559 59962068 35 2.305
32582567 59966596 30 1.279
32582575 59966884 30 0.830
32582583 59967588 35 1.461
32582591 59970605 12 0.305
32582605 59971405 35 2.334
32582613 59975621 25 0.816
32582621 59976429 35 1.481
32582630 59979710 30 1.065
32582648 59979934 25 0.814
32582656 59981326 25 0.785
32582664 59999696 35 1.381
32582672 60002265 35 1.589
32582681 60009986 25 0.897
32582699 60010242 35 1.774
32582702 60020891 35 1.215
32582711 60022307 35 1.938
32582729 60025035 35 1.463
32582737 60027188 12 0.267
32582745 60038213 30 1.341
32582753 60039101 35 1.282
32582761 60048190 30 1.623
32582770 60053071 35 2.325
32582788 60056711 12 0.218
32582796 60060416 25 0.867
32582800 60060464 12 0.281
32582818 60063008 30 1.582
32582826 60070633 12 0.238
32582834 60087419 35 2.075
32582842 60096180 25 0.588
32582851 60112854 12 0.297
32582869 60114135 35 1.316
32582877 60115487 12 0.279
32582885 60122960 25 0.787
32582893 60123184 12 0.304
32582907 60125368 35 1.237
32582915 60128168 25 0.742
32582923 60129025 25 0.630
32582931 60134849 30 0.550
32582940 60136865 25 0.631
32582958 60145204 12 0.303
32582966 60145404 35 0.671
32582974 60145820 35 0.519
32582982 60145868 35 1.464
32582991 60146532 30 1.505
32583008 60148476 35 1.134
32583016 60149540 30 1.046
32583024 60158061 12 0.297
32583032 60159589 35 1.932
32583041 60165974 35 2.671
32583059 60169767 25 0.594
32583067 60170095 25 0.666
32583075 60170271 12 0.324
32583083 60170351 35 2.745
32583091 60170431 35 1.421
32583105 60170983 25 0.572
32583113 60184896 25 0.452
32583121 60187289 35 1.102
32583130 60187441 35 1.949
32583148 60187449 35 0.634
32583156 60187513 30 0.924
32583164 60187625 35 1.579
32583172 60187633 35 1.967
32583181 60187641 35 0.628
32583199 60187657 25 0.540
32583202 60188081 25 0.774
32583211 60191601 25 0.915
32583229 60192881 35 1.409
32583237 60192985 35 1.414
32583245 60196186 35 1.930
32583253 60196234 30 1.149
32583261 60198826 35 1.734
32583270 60202235 30 1.320
32583288 60205691 35 1.450
32583296 60206379 25 0.724
32583300 60207411 12 0.231
32583318 60207427 35 0.969
32583326 60216092 30 0.970
32583334 60216124 35 1.978
32583342 60216164 35 1.790
32583351 60222349 35 1.880
32583369 60226534 25 0.790
32583377 60226942 35 2.006
32583385 60229062 25 0.884
32583393 60229310 35 1.630
32583407 60229414 35 0.827
32583415 60239279 30 0.591
32583423 60240055 35 0.736
32583431 60240071 35 0.815
32583440 60240135 35 1.271
32583458 60242520 35 2.006
32583466 60242648 35 0.976
32583474 60242704 30 0.623
32583482 60242816 35 0.529
32583491 60242856 35 1.780
32583504 60246584 25 0.638
32583512 60246760 35 2.320
32583521 60267003 35 1.153
32583539 60273076 30 0.993
32583547 60273108 35 1.025
32583555 60273260 30 0.660
32583563 60273348 12 0.287
32583571 60273444 12 0.276
32583580 60273452 25 0.353
32583598 60273620 12 0.398
32583601 60273684 25 0.601
32583610 60274284 35 1.253
32583628 60276380 12 0.237
32583636 60277052 12 0.302
32583644 60282261 35 1.279
32583652 60282861 25 0.814
32583661 60287293 35 1.016
32583679 60287885 35 1.285
32583687 60288789 30 0.929
32583695 60288878 30 0.594
32583709 60288934 35 1.145
32583717 60290726 35 1.090
32583725 60295054 30 0.957
32583733 60298935 35 0.711
32583741 60303983 25 0.560
32583750 60304327 35 1.325
32583768 60304351 25 0.612
32583776 60304359 25 0.758
32583784 60313081 35 0.473
32583792 60313577 35 0.844
32583806 60315569 12 0.345
32583814 60317881 25 0.803
32583822 60318009 35 1.200
32583831 60328314 25 0.603
32583849 60329795 35 0.636
32583857 60330195 35 0.990
32583865 60333659 30 1.290
32583873 60333835 35 1.213
32583881 60333843 35 1.167
32583890 60333891 35 0.863
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