59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Declarations

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1 59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Declarations These Declarations, together with the Policy and Endorsements attached hereto, comprise the complete Policy. Insured: Effective Date: 12:01 A.M. Standard Time Expiration Date: Continuous Until Terminated Form Number COVERAGE SUMMARY Deductible Limit of Liability Delinquency Limit LSI-WIC-POL-0001 Collateral Physical Damage $ $ 90 days LSI-WIC-COV-0001 Confiscation Coverage $ $ 150 days LSI-WIC-COV-0003 Skip Coverage $ $ 150 days LSI-WIC-COV-0005 Security Interest Non-Filing & Conversion Coverage $ $ 90 days LSI-WIC-COV-0006 Repossessed Collateral Coverage $ $ 60 days Form Number COLLATERAL SUMMARY Premium Rate Maximum Loan Term LSI-WIC-POL-0001 Automobile (Direct & Indirect) $ Months $ LSI-WIC-POL-0001 Watercraft (Direct & Indirect) $ Months $ LSI-WIC-POL-0001 Recreation Vehicles (Direct & Indirect) $ Months $ LSI-WIC-POL-0001 Personal Property (Chattels) (Direct & Indirect) $ Months $ A minimum monthly premium of $ shall apply to this policy. ACTUAL CASH VALUE GUIDEBOOK VALUE: Average of NADA retail and wholesale values Reason for Issue: OTHER FORMS AND ENDORSEMENTS ATTACHED TO THIS POLICY (By Form Number) Maximum Loan Amount Financed WARNING: This Policy provides only those coverages attached to and made a part of this Policy for only those Collaterals indicated as covered. No coverage is provided for any coverage or Collateral not so indicated. Please refer to the referenced form number(s) for a complete description of the coverage provided under this Policy. This Policy is made and accepted subject to the foregoing provisions and any endorsements or forms now or hereafter attached to the Policy. These Declarations are valid only if countersigned by an authorized representative of the Company. Dated: Authorized Representative LSI-WIC-DEC 0001 (08-12) Page 1 of 1

2 59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Declarations Extension These Declarations, together with the Policy and Endorsements attached hereto, comprise the complete Policy. Policy Number: Insured: Form Number COVERAGE SUMMARY Deductible Form Number COLLATERAL SUMMARY Premium Rate Limit of Liability Maximum Loan Term LSI-WIC-POL-0001 Farm Equipment (Direct & Indirect) $ Months $ LSI-WIC-POL-0001 Motorcycles (Direct & Indirect) $ Months $ LSI-WIC-POL-0001 Mobile Homes (Direct & Indirect) $ Months $ Delinquency Limit Maximum Amount Financed WARNING: This Policy provides only those coverages attached to and made a part of this Policy for only those Collaterals indicated as covered. N o coverage is provided for any coverage or Collateral not so indicated. P lease refer to the referenced form number(s) for a complete description of the coverage provided under this Policy. This Policy is made and accepted subject to the foregoing provisions and any endorsements and forms now or hereafter attached to the Policy. These Declarations are valid only if countersigned by an authorized representative of the Company. Dated: Authorized Representative LSI-WIC-EXT (08-12) Page 1 of 1

3 59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy SECTION I - INSURING AGREEMENT In consideration of the premium charged, and subject to all terms and conditions of this Policy, the Company will pay to the Insured a sum equal to the Loss sustained by the Insured as a result of Loss to Collateral for which this insurance applies. SECTION II - DEFINITIONS As used in this Policy, Company, we, us and our refer to Securian Casualty Company. You and Your refer to the Insured. Throughout this Policy, certain defined terms are used, and are identified by bold face type. The meanings of these terms are as follows: 1. Actual Cash Value means the value of the Collateral at the Date of Loss, as listed in guidebook as shown on Policy Declarations. 2. Borrower means any individual or entity obligated to the Insured under a Loan, and includes any co-maker or guarantor. 3. Collateral means only those items indicated as covered and shown on the Policy Declarations or attached endorsements. For the purposes of this Policy, the following Collaterals are assigned the meanings as set forth below: a. Automobile meaning a four wheeled motor vehicle, including dual-wheeled pickup trucks, subject to registration and/or licensure under applicable motor vehicle laws for travel on public roads, with a gross vehicle weight not exceeding 12,000 pounds. b. Watercraft meaning any boat or craft of less than thirty (30) feet in length, including personal Watercraft designed and used for travel on navigable waterways. c. Recreational Vehicle meaning a land motor vehicle licensed for use on public roads that incorporates permanent sleeping, cooking, refrigeration and toilet facilities; including a camper trailer of less than 40 feet in length, designed to be towed by an Automobile, and slide-in campers of less than 14 feet in length designed to be secured to the bed of a pickup truck. d. Personal Property meaning tangible goods that are not titled or driven by motors of any sort and that are used for non-commercial purposes. Personal Property does not include any defined Collateral, mortgage property, real estate, jewelry, fine art, collectibles, crops, livestock, animals, cash, checks, stocks, bonds or other negotiable instruments. e. Farm Equipment meaning any tractor, machine or equipment designed and used primarily for agricultural purposes. f. Motorcycle meaning any two wheel motor driven vehicle licensed for use on public roads. g. Mobile Home meaning a prefabricated mobile unit, not self-propelled, intended and used as a permanent single-family dwelling unit. 4. Date of Loss means the day of Repossession unless evidence shows Loss occurred on a prior date. 5. Impairment of Interest means that, a covered Loss has occurred and the value of the Collateral is less than the Loan Balance on the Date of Loss. 6. Insured means the entity designated as the Insured in the Declarations, and any Additional Insured designated by endorsement to this Policy. 7. Loan means an advance of money to or on behalf of a Borrower by the Insured under a written instrument, including balloon and single payment obligations that creates a security interest in Collateral in favor of the Insured in amount and term of less than or equal to the Maximum Loan Term and Maximum Amount Financed as set forth in the Policy Declarations. 8. Loan Balance means the amount owed to the Insured by the Borrower under a Loan, not including unearned interest, insurance and other refundable charges, collection costs, costs of Repossession, late fees, taxes or other similar charges. 9. Loss means tangible physical damage, destruction or theft of a Collateral, and the lesser of: LSI-WIC-POL (08-12) Page 1 of 4

4 a. The cost of repair or replacement of Collateral, less any deductible; or b. The Actual Cash Value of the Collateral as of the date of Repossession with no deduction for damage, less salvage value and any deductible; or c. The Loan Balance as of the date of Repossession, less salvage value and any deductible. Should multiple Collaterals be included in one Loan, the Loan Balance for any one Collateral shall be limited to the proportion such Collateral s Actual Cash Value bears to the Actual Cash Value of all Collateral on the Date of Loss. 10. Delinquency Limit means the maximum number of days from the date the Loan payment is past due from which the Insured must initiate a documented, professional and commercially reasonable attempt to acquire physical possession of the Collateral for coverage under this Policy to apply. 11. Maximum Loan Term means the greatest original contractual term as set forth in the Policy Declarations to be considered as covered under the terms of this Policy. 12. Maximum Amount Financed means the greatest Loan amount as set forth in the Policy Declarations to be considered as covered under the terms of this Policy. 13. Repossession means the acquisition of physical possession of Collateral by or on behalf of the Insured through lawful exercise of a legal right to such possession. 14. Limit of Liability means the maximum amount payable by the Company under any Loss as set forth in the Policy Declarations. SECTION III - CONDITIONS PRECEDENT The Company shall not be obligated to make any payment under this Policy unless all conditions set forth in this Policy have been fulfilled, and unless each of the following have occurred: (1) There has been a default by the Borrower in a payment obligation to the Insured under a Loan; (2) There has been an Impairment of Interest; (3) The Insured has effectuated Repossession of all Collateral securing the Loan; (4) The Date of Loss occurs during the Policy period and is no later that the Delinquency Limit as set forth in the Policy Declarations; (5) The Insured has exhausted all collection efforts against any insurance company or other party that may be obligated to compensate for the Loss; and (6) Notice of the claim has been given to the Company not later than [ninety (90)] days after the date of Repossession. Paragraph (3) above does not apply where the Insured, after reasonable effort, is unable to effectuate Repossession due only to the unrecovered theft or total destruction of Collateral. In such instances, Repossession is deemed to have occurred when the Insured provides the Company with notice of Loss. SECTION IV - EXCLUSIONS This Policy does not apply to: 1. Loss caused by or contributed to by the dishonest, fraudulent or criminal act of the Insured or dealer originating the Loan, or others acting on behalf of or at their direction; 2. Loss caused by, contributed to or consisting of neglect, wear and tear, deterioration, inherent vice, latent or patent defect, mechanical breakdown or electrical failure; 3. Loss to any Collateral used to transport persons or property for hire; 4. Loss caused by, contributed to or consisting of the actual or threatened discharge of any nuclear or radioactive device or substance, including, without limitation, radiation, fallout, radioactive isotopes or by-products; 5. Loss caused by, contributed to or consisting of the actual or threatened release, escape or discharge of any pollutant, irritant or contaminant, whether consisting of solid, liquid, gas, plasma, smoke, fumes, vapors or other form, and including mold; 6. Loss caused by, contributed to or consisting of any act of war, rebellion, civil war, military action, riot, civil insurrection, revolution or other uprising, declared or undeclared; 7. Loss to Collateral under any floor plan or warehouse financing; 8. Loss occurring after Repossession; 9. Loss caused by, contributed to or consisting of the skip, security interest non-filing, conversion, embezzlement or secretion of Collateral by a person in lawful possession thereof, or by the confiscation of Collateral by a public authority; 10. Loss to any item that is not specifically indicated as covered and shown on the Policy Declarations or attached endorsements as Collateral under this Policy; 11. Loss caused by, or contributed to by fraud, forgery or use of an alias; LSI-WIC-POL (08-12) Page 2 of 4

5 12. Loss under any Loan made to an owner or employee of the selling dealer of the Collateral, irrespective of whether or not the Collateral is held for resale; 13. Loss occurring on a Loan in excess of the Delinquency Limit as set forth in the Declarations; 14. Loss occurring on a Loan with contractual terms in excess of the Maximum Loan Term or Maximum Amount Financed as set forth in the Policy Declarations; 15. Any Loss occurring prior to the Loan inception; and 16. Any Loss where the Date of Loss does not occur within the Policy Period. SECTION V - LIMIT OF LIABILITY AND SETTLEMENT OPTIONS The liability of the Company for any Loss under this Policy shall not exceed the Limit of Liability set forth in the Declarations. We may, at our option, make settlement in cash or replace the Collateral with like kind and quality, with adjustment for depreciation and betterment. If Loss settlement is made on the basis of Actual Cash Value of Collateral or the Loan Balance, we may, at our option, require transfer of title to the Collateral to us or deduct salvage value from the amount of Loss. SECTION VI - DEDUCTIBLE Each distinct event giving rise to Loss under this Policy shall be subject to the deductible set forth in the Declarations. The Company s liability for payment of a covered Loss shall only accrue to the extent that the amount of such Loss exceeds the stated deductible. SECTION VII - DUTIES IN THE EVENT OF LOSS In the event of Loss to Collateral, you must: 1. Give prompt notice of claim to us or our agent, but not later than [ninety (90)] days after Repossession; 2. Make all reasonable and professional efforts to identify, locate and obtain payment from the Borrower, and to use such efforts to identify, locate and effectuate Repossession of the Collateral; 3. In the event of Loss by vandalism, malicious mischief or theft, a report of such Loss must be filed with the applicable law enforcement agency by the Borrower and obtained by the Insured; 4. Protect the Collateral from further Loss. If repairs to such property are reasonably required to prevent further damage, you must keep accurate records of such repair expenses; 5. Permit us to inspect, test, and appraise the Collateral; 6. Provide us with, and permit copying of, all documents and records we request; 7. Submit to an examination under oath at our request, and execute the same; 8. Within sixty (60) days after our request, submit to us a signed, sworn proof of Loss in such form as we may require; 9. Cooperate with and provide reasonable assistance to us in the investigation of the Loss and any efforts to seek recovery for such Loss from others. SECTION VIII - GENERAL CONDITIONS 1. Underlying Insurance--All Loans must contain a provision requiring the Borrower to procure and maintain insurance covering the Insured s interest in the Collateral. 2. Evidence of Title--The Insured shall perform all acts necessary to ensure that its security interest in the Collateral is perfected and recorded with the proper governmental authorities, and shall hold all evidences of title to such Collateral until the Loan has been satisfied. 3. Existing Loans--Coverage under this Policy shall apply to any Loan issued prior to the inception of this Policy for Collateral indicated as covered and shown on the Policy Declarations or attached endorsements of this Policy. 4. Extension of Maturity--The Insured may grant extensions of maturity of any Loan as it may be deemed advisable in the ordinary course of business and consistent with their established guidelines, without prejudice to their rights under the Policy. 5. Policy Period--This Policy shall be considered in effect and coverage provided beginning on the first day of the month for which Premium is paid, and shall continue in effect until the expiration date unless canceled or otherwise terminated. Should no expiration date be specified, the Policy shall be considered to be in effect for successive periods of one (1) month, extending from the inception date specified in the Declarations to a date one (1) month thereafter (the Anniversary Date ) and to successive Anniversary Dates, unless earlier canceled or otherwise terminated by the Company or the Insured in accordance with the Policy provisions. Coverage will be based upon the rates, rules and forms in effect at the inception date or Anniversary Date that begins each one (1) month period. 6. Premium--Within [ten (10)] days after the end of each calendar month during the effective term of this Policy, you shall submit to us a report showing the outstanding balances on all Loans as of the last business day of such month, and the number of Loans made or acquired during such month. The premium shall be calculated at the rate set forth LSI-WIC-POL (08-12) Page 3 of 4

6 in the Declarations, and shall be paid with each such report. Company shall have the right to offset against any sums owed to Insured under this Policy the amount of any premium or other charge the Insured owes to Company under this Policy. 7. Territory--This Policy applies only to Collateral situated within the United States, its possessions and territories, or Canada. 8. Excess Insurance--This Policy shall be excess to and not contributory with any other valid and collectible insurance applicable to the Loss. Payment may not be required under this Policy until all sums payable under such other insurance have been paid. 9. Subrogation--Upon payment of Loss, the Company shall be subrogated to all of the Insured s rights of recovery against any person or organization, and the Insured shall execute all documents and perform all acts necessary to the preservation and enforcement of Company s right of such subrogation. The Insured shall refrain from any action that would prejudice or in any way limit Company s subrogation rights. 10. Waiver of Subrogation--If the Borrower pays for the cost of this Insurance, the Company waives its subrogation rights as to such Borrower only. This waiver shall not apply to any insurer affording coverage for Collateral in the name of the Borrower. 11. Assignment--The Insured may not assign its interest in this Policy without the prior written consent of the Company. 12. Action Against Company--No suit or proceeding at law or equity may be commenced against Company unless commenced within [one (1)] year from the time at which all conditions under this Policy have been met. 13. Amendment, Waiver or Estoppel--This Policy represents the complete agreement between the Company and the Insured concerning the subject matter hereof. This Policy may not be amended except by written endorsement issued by the Company. No action, representation or other conduct by the Company or its agents shall be construed as a waiver or estoppel with respect to any of Company s rights under this Coverage unless the Company expressly consents to such waiver or estoppel in writing. 14. Misrepresentation--This Policy shall be void if the Insured has concealed or misrepresented any fact material to this Coverage, the subject matter Insured, any Loss or any other matter deemed material to the issuance, interpretation, or enforcement of the terms and conditions of this Policy. 15. Unauthorized Payments--The Insured shall not, except at its own expense, make any payment or incur any liability, except as is necessary to preserve Collateral from further Loss, without the prior consent from the Company. 16. Examination of Records--The Company, through its agents or authorized representatives, shall have the right to examine, inspect and audit the books and records of the Insured at all reasonable times to determine any fact material to this Policy or any Loss hereunder. 17. Cancellation--The Insured may cancel this Policy by mailing notice to the Company, stating when thereafter cancellation shall be effective. The Company may cancel this Policy by providing the Insured with written notice of such cancellation, specifying an effective date for such cancellation of at least thirty (30) days or, if cancellation is based upon non-payment of premium, ten (10) days after the date set forth on such written notice. The mailing of notice shall be sufficient proof of notice of cancellation, and the effective date of such cancellation set forth in such notice shall be deemed the end of the Policy Period. All premium will be fully earned. 18. Conformity to Law--If any provision of this Policy is in conflict with a statute, regulation, ordinance or other adoption of a public authority, then such terms shall be deemed amended to conform to such statute, regulation, ordinance or other adoption. 19. Applicable Law--To the maximum extent permitted, the validity, interpretation, enforcement and effect of this Policy shall be governed by the laws of the State where this Policy is issued. 20. Number and Gender--The masculine, feminine and neuter genders, as used in this Policy shall be deemed to include each of the others, and the singular and plural number shall be equally applicable. Secretary President The Company has caused this Policy to be executed, but it shall not be valid unless countersigned by a duly authorized representative of the Company. Countersigned at,this day of. Authorized Representative LSI-WIC-POL (08-12) Page 4 of 4

7 This Endorsement, effective as of 12:01 a.m. on issued to. It is hereby understood and agreed that: 59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Endorsement Confiscation Coverage forms a part of Policy Number For the purposes of coverage provided by this Endorsement, Section II-DEFINITIONS is amended as follows: Definition 4. is deleted and replaced with the following: 4. Date of Loss means the date upon which the Insured provides the Company with notice of a Loss. Definition 9. Loss is hereby amended to include the confiscation of the Collateral by a duly constituted governmental authority. For purposes of coverage provided by this Endorsement, confiscation means a transfer in ownership of the Collateral by a duly constituted governmental authority whereby the Insured is prohibited by a matter of law from the legal exercise of their Repossession rights to such Collateral. A confiscation is not deemed to have occurred unless the Insured has availed themselves of all avenues possible for the recovery of the Collateral. Definition 10. is deleted and replaced with the following: 10. Delinquency Limit means the maximum number of days from the date the Loan payment is past due from which the Insured must provide the Company with notice of a Loss for coverage under this Policy to apply. For the purposes of coverage provided by this Endorsement, Section III-CONDITIONS PRECEDENT shall be amended by including the following: 7. A period of [ninety (90)] days has elapsed from the time the Company has received notice of the Loss to permit the Company to investigate and seek recovery of the Collateral on the Insured s behalf. For the purposes of coverage provided by this Endorsement, the words or by the confiscation of Collateral by a public authority are hereby deleted from Exclusion 9 in Section IV-EXCLUSIONS. Except as modified, deleted or amended by this Endorsement, all other provisions, conditions, definitions, exclusions and limitations of the Policy to which this endorsement is attached remain in full force and effect. LSI-WIC-COV (08-12) Page 1 of 1

8 This Endorsement, effective as of 12:01 a.m. on issued to. It is hereby understood and agreed that: 59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Endorsement Skip Coverage forms a part of Policy Number For the purposes of coverage provided by this Endorsement, Section II-DEFINITIONS is amended as follows: Definition 4. is deleted and replaced with the following: 4. Date of Loss means the date upon which the Insured provides the Company with notice of a Loss. Definition 9. Loss is hereby amended to include Skip, meaning the inability of the Insured to locate a Borrower or the Collateral. No coverage exists under this Endorsement if the Insured is able to locate any Borrower or the Collateral. Definition 10. is deleted and replaced with the following: 10. Delinquency Limit means the maximum number of days from the date the Loan payment is past due from which the Insured must provide the Company with notice of a Loss for coverage under this Policy to apply. For the purposes of coverage provided by this Endorsement, Section III-CONDITIONS PRECEDENT shall be amended by including the following: 7. A period of [sixty (60)] days has elapsed from the time the Company has received notice of the Loss to permit the Company to investigate and locate either the Collateral or Borrower. For the purposes of coverage provided by this Endorsement, the word skip in Exclusion 9 of Section IV-EXCLUSIONS is hereby deleted and is replaced with Loss previously reported to the Company as a skip where any Borrower or the Collateral was subsequently located. Except as modified, deleted or amended by this Endorsement, all other provisions, conditions, definitions, exclusions and limitations of the Policy to which this endorsement is attached remain in full force and effect. LSI-WIC-COV (08-12) Page 1 of 1

9 This Endorsement, effective as of 12:01 a.m. on issued to. It is hereby understood and agreed that: 59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Endorsement Security Interest Non-Filing and Conversion Coverage forms a part of Policy Number For the purposes of coverage provided by this Endorsement, Section II-DEFINITIONS is amended as follows: Definition 4. is deleted and replaced with the following: 4. Date of Loss means the date upon which the Insured provides the Company with notice of a Loss. Definition 9. Loss is hereby amended to include Security Interest Non-Filing and Conversion, meaning the inability of the Insured to effectuate Repossession of Collateral where ownership of the Collateral has been transferred to an innocent third party by the Borrower or any individual in lawful possession of the Collateral due to: a. The unintentional failure by the Insured to perfect its security interest in the Collateral by filing notice of such interest with the appropriate governmental authority, or b. The Insured inadvertently failing to properly describe the Collateral in the instrument creating the Loan, or c. The inadvertent release of the lien on the Collateral by the Insured, or d. The failure of the appropriate governmental authority to record the Insured s encumbrance. For the purposes of coverage provided by this the Endorsement, a Loss is not deemed to have occurred unless the Insured has availed themselves of all avenues possible for the recovery of the Collateral. Definition 10. is deleted and replaced with the following: 10. Delinquency Limit means the maximum number of days from the date the Loan payment is past due from which the Insured must provide the Company with notice of a Loss for coverage under this Policy to apply. For the purposes of coverage provided by this Endorsement, Section III-CONDITIONS PRECEDENT shall be amended by including the following: 7. A period of [ninety (90)] days has elapsed from the time the Company has received notice of the Loss to permit the Company to investigate and seek recovery of the Collateral on the Insured s behalf. For the purposes of coverage provided by this Endorsement, the words conversion and security interest non-filing is hereby deleted from Exclusion 9 in Section IV-EXCLUSIONS. Except as modified, deleted or amended by this Endorsement, all other provisions, conditions, definitions, exclusions and limitations of the Policy to which this endorsement is attached remain in full force and effect. LSI-WIC-COV (08-12) Page 1 of 1

10 This Endorsement, effective as of 12:01 a.m. on 59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Endorsement Repossessed Collateral Coverage forms a part of Policy Number issued to. It is hereby understood and agreed that Exclusion 8. in Section IV-EXCLUSIONS is hereby deleted and is replaced by the following: 8. Loss occurring more than the number days after Repossession as shown by the Limit of Liability as set forth in the Policy Declarations. Except as modified, deleted or amended by this Endorsement, all other provisions, conditions, definitions, exclusions and limitations of the Policy to which this endorsement is attached remain in full force and effect. Secretary President LSI-WIC-COV (08-12) Page 1 of 1

11 This Endorsement, effective as of 12:01 a.m. on issued to It is hereby understood and agreed that: Exclusion 14. in Section IV-EXCLUSIONS is hereby deleted. 59 Maiden Lane, 6 th Floor, New York, NY Blanket Single Interest Policy Endorsement Pro Rata Coverage Section V-LIMIT OF LIABILITY is amended to include the following: forms a part of Policy Number Coverage is extended to any Loan, which, at its inception, exceeds the Maximum Amount Financed or Maximum Loan Term as set forth in the Policy Declarations for any such Collateral. However, as to any such Loan, the Company s Limit of Liability shall not exceed the lesser of (1) the stated Limit of Liability for the applicable coverage, (2) a percentage of the Loan Balance as of the Date of Loss, which percentage shall be determined by dividing the maximum Loan amount for the stated coverage by the amount of the Loan at inception, or (3) the Loan Balance on the Date of Loss re-amortized based upon the Maximum Loan Term specified. Except as modified, deleted or amended by this Endorsement, all other provisions, conditions, definitions, exclusions and limitations of the Policy to which this endorsement is attached remain in full force and effect. LSI-WIC-END (08-12) Page 1 of 1

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