HomeMy WebLinkAbout1980-248 San Bernardino
60,005-39-1
RESOLUTIONI NO. !� �
RESOLUTION OF THE CITY OF SAN BERNARDINO,
CALIFORNIA, APPROVING THE FORD! OF THE
SPECIAL HAZARD INSURANCE POLICY AND THE
FORM OF THE PRIVATE MORTGAGE INSUPANCE
POLICY
WHEREAS, the City of San Bernardino, California
(the "City") , intends to issue Revenue Bonds designated
"City of San Bernardino, Single Family Residential Mortgage
Revenue Bonds, 1980 Series A" (the "Bonds") for its Program
of Financing Residential Housing as provided in Ordinance
No. 3853 approved by the Mayor and Common Council of the
City on August 25, 1979 , including any amendments thereto,
providing for the issuance of mortgage revenue bonds pur-
suant to the City Charter powers of the City; and
WHEREAS, the City intends to obta_n a Special
Hazard Insurance policy to insure against certain perils
not covered by Hazard Insurance, and losses resulting from
the application of a coinsurance clause in the Hazard
Insurance policy; and
WHEREAS, the City intends to have a Private
Mortgage Insurance policy available to those mortgagors
requiring such a policy pursuant to the tern^s of the
Prograr.? established by the City; and
E113-4 (ds)
5/13/80
San Bernardino
60 ,005-39-1
WHEREAS, the City must now approve the forn
of the Special Hazard Insurance policy and the form of the
Private Mortgage Insurance policy .
NOW, THEREFORE, BE IT RESOLVED, DETERMINED AND
ORDEPEI; BY THE CITY OF SAN BERNARDINO, CALIFORNIA, AS
FOLLOWS:
Section 1 . Approval of Special Hazard Insurance
Policy. Exhibit "A" attached hereto and incorporated herein
by reference is hereby approved as the form of the Special
Hazard Insurance policy which shall be employed by the
City in connection with the insuring of Residences to be
financed with the proceeds of the Bonds .
Section 2 . Approval of Private Mortgage Insurancc
Policy. Exhibit "B" attached hereto and incorporated herein
by reference is hereby approved as the form of the Private
Mortgage Insurance policy which shall be employee: Ly the
City in connection with the insuring of Mortgage Loans to
be financed with the proceeds of the Bonds .
Section 3 . Authorizaticn. The City authorizes
the Mayor and City Clerk to execute and maintain said
Special Hazard Insurance policy in fuel force and effect
-2- E113-5 (ds)
5/13/80
San' $ernardino
60,005-39-1
to the extent required under the applicable Series Resolu-
tion and to require the Qualified Mortgage Lender to
utilize the Private Mortgage Insuran<�e policy to the extent
Mortgage Loans are not otherwise insured or guaranteed
as required by the Ordinance .
I HEREBY CERTIFY that the forer,cing resolution was
duly adopted by the Mayor and Common_ Council of the City of
San Bernardino at a meeting thereof , held
on the day of ' 1980,
by the following vote, 'to-wit:
AYES: Councilmen
NAYS:
ABSENT:
- City Clerk
The foregoing resol i n is hereby approved this
day of 1980 .
y r of e ty o San ernardino
Approved as to form:
00 V
C y Att rney
-3- E113-6 (ds)
5/13/80
EXHIBITS "A" AND "B" TO BE PROVIDED BY MONDAY, JUNE 16, 1980
MGIC MCIC Indemnity Corporation
MGIC Plaza a subsidiary of
Milwaukee,Wisconsin MCIC Investment Corporation
SPECIAL HAZARD INSURANCE POLICY ENDORSEMENT
Attached to and Forming Effective Date
Part of Policy Number of Endorsement:
017 AMENDED December 13, 1978
Policy issued to: Santa Fe Federal Savings and Loan Association
Premium:
From the effective date of the Policy through December 31, 1980, the premium
shall be . 00003333 per month applied to the Total Initial Principal Balances as
of the first day of the month and to be paid on or before the 25th day of the month.
Beginning January 1, 1981, the premium shall be . 0004 per annum applied to the
outstanding principal balances as of January 1 each year and shall be paid on or
before January 25 of each year. Provided, however, that for each year beginning
on or after January 1, 1980, in the event on January 1, 1980 the Aggregate Loss
Limit shall then exceed One Per Cent (1%) of the Total Initial Principal Balances,
the premium for each year shall be paid at the following applicable rate in lieu
` of the premium rate of . 0004 described above:
Annual Premium Rate Applied to
Outstanding Principal Balances
Aggregate Loss Limit as Percentage of Total as of January 1 of Each Year Begin-
Initial Principal Balances on January 1, 1980 ning on or after January 1, 1980
In excess of 1. 007o but equal to or less than 2. 207o . 0005
In excess of 2. 20016 but equal to or less than 4. 807o . 0006
In excess of 4. 8076 the annual premium rate applicable
will be that which is on file with the State Insurance
Department.
Nothing herein contained shall be held to vary,alter,waive or extend any of the terms,conditions,provisions,agreements or limitations of the
above mentioned Policy other than as above stated.
In Witness Whereof, The Company has caused its Corporate Seal to be hereto affixed and these presents to be signed by its duly authorized
officers in facsimile to become effective as its original seal and signatures and binding on the Company.
MGIC INDEMNITY CORPORATION
President ,s�,tFh Yop�-• 1 Secretary
04-0594(8/78) v� •� .zL�D�tS
'c
MCIC Indemnity Corporation SPECIAL HAZARD INSURANCE POLICY
wb.rdsars or vu,u rn%vomient(aporarson
r.IC Plaira
oaulec,Wisconsin 5320:
MGIC Indemnity Corporation
(A Stock Insurance Company Herein Called the Company)
AGREES TO PAY TO
the Insured identified beloN, in consideration of the premium paid or to be paid as specified herein, the amount of Loss, suhicct 14, thL terms
and conditions herein contained
Insured Name and Mailing Address
Santa Fe Federal Savings and Loan. Association in care for The Redevelopment
Agency of the City of San Bernardino Single-Family Residential Mortgage
Revenue Bonds, 1978 Series A
767 E Street, P. O. Box 1309, San Bernardino, California 92403
Policy Numhcr Insured's Identification Number Effective Date of Polic�
017 04-615-1 -4069 December 13, 1978
Premium From December 13, 1978 through December 31, 1980, the premium shall be
. 00003333 per month applied to the Total Initial Principal'Balances as of the
first day of the month and to be paid on or before the 25th day of the month,
Beginning January 1, 1981, the premium shall be . 0004 per annum applied
to the Total Initial Principal Balances as of the Policy anniversary date to be
paid on or before December 25 of each year.
Total Initial Principal Balances Not to exceed $29, 320, 000
Aggregate Loss Percentage One Per Cent (l%)
Aggregate Loss Limit One Per Cent (1 016) of the Total Initial Principal Balances
not to exceed $293, 200.
MGIC INDEMNITY CORPORATION
IV TY
�
President /t��f w Yr,�� Secretary
04-0593 (8/78)
CONDITIONS
1. DaWtions—
A. "Policy"Y Mb policy of insurance plus all applications, commitments,endorsements and schedules mining hereto.all of which a.
attached hereto and Incorporated by reference herein.
CB. "Insured" is the Person designated on the fact of this Policy. The Insured may contract with any other Person to perform th
Insured's obligations under this Policy.
C. "Fmon"b any Individual,corporation,partnership,usociation or other entity.
D. "Borrower"is the Person required to repay the debt obligation created pursuant to a Mortgage Agreement.
E. "Schedule"is the listing or listings of Insured Mortgage Agreements under this Policy,
F. "Default" occurs when the Borrower becomes in arrears in an amount equal to or greater than one (1) monthly payment due unde
the terms of the Mortgage Agreement or violates any other term or condition of the Mortgage Agreement which is a basis for a fore
closure action.
G. "Loss" is the direct physical loss or damage to property subject to the Mortgage Agreements in the attached Schedule which i
caused by or results from a peril insured against under this Policy and which either (1) occurs prior to the Insured's acquiring Goa
and Merchantable Title because of a Default by a Borrower or(2)occurs while the Insured has Good and Merchantable Title that wa
acquired because of the Default by a Borrower.
H. "Four (4) Months in Default" occurs when the Borrower becomes in arrears in an amount equal to or greater than four (4) monthll
payments due under the terms of the Mortgage Agreement.
I. "Mortgage Agreement" is any note and any mortgage, bond, deed of trust, or other instrument which constitutes a first lien of
charge on Residential real property and which collaterahzes the Borrower's debt obligation.
J. Insured Mortgage Agreement" is any Mortgage Agreement which the Company has underwritten and approved and which is pun
chased with the proceeds of the Security.
K. "Residential" is a type of building which is designed for occupancy by not more than four families or a condominium unit.
L. "Good and Merchantable Title" is title free and clear of all liens, encumbrances, covenants, conditions, restrictions and easements
(hereinafter referred to as Liens), except for: (1) the lien of any public bond, assessment or tax,when no installment, call or pay-
ment of or under such bond, assessment or tax is delinquent, (2) any Liens which were reflected in the appraisal provided to the
Company and to which there was no objection, any municipal and zoning ordinances and exceptions to title set forth in Federal
Housing Administration Reg. Sec. 203.389 and Section 314.02 of the Federal National Mortgage Association Conventional Selling
Contract Supplement, both to the extent in effect at the effective date of this Policy,and (3) any other impediments which will not
have a materially adverse effect on the marketability of the title.
M. "Security"is the bond,certificate or other security instrument noted or referred to on the face of this Policy.
N. "Initial Principal Balance" is the unpaid principal balance of a Mortgage Agreement at the time of purchase from proceeds of the
Security.
O. 'Total Initial Principal Balances" is the sum of the Initial Principal Balances of all the Mortgage Agreements purchased from the
proceeds of the Security.
P. Any pronouns,when used herein,shall mean the single or plural,masculine or feminine,as the case may be.
2. Effective Date.Policy Period,Termination and Cancellation —
The effective date of this Policy shall be the date specified on the fact hereof. This Policy shall continue in force until (1)each Insured
Mortgage Agreement in the Schedule either has been paid in full or is no longer represented by the Security or (2) the Security is
redeemed. Except as provided in this Condition and in Condition 3,there shall be no right of cancellation under this Policy.
d. Premiums-
. A. The premium for this Policy " be aid in the manner and at the rate specified on the face hereof. Failure to pay any premium
within tot (10) business stays after weipt of notice from the Company that such premium is due and unpaid will terminate the
liability of the Company with it to the coverage contained in this Policy. There shall be no refund of premium under this
Policy.
( B. If the Aggregate Loss under this Policy reaches the Aggregate Loss Limit as defined in Condition 8F,then the total premium under
this Policy is due and shall remain due. Provided,however,that the premium shall continue to be calculated and paid in the manner
specified on the face hereof.
4. Notice of Prepayment/Assumption -
Unless otherwise mutually agreed by the Company and the Insured, the Insured shall quarterly 1within fifteen (15) days after the last
day of March, dune, September and December I provide the Company with a listing of those Insured Mortgage Agreements which have
been prepaid in full or which have been assumed.
5. Perils Insured Against -
This Policy insures against Loss that is caused b� all risks of direct physical loss or damage which occurs to the property suh;ccl to the
Insured Mortgage Agreements in the attached Schedule from any external cause, except as hereinafter excluded, and which ether (1)
occurs prior to the Insured's acquiring Good and Merchantable Title because of a Default by a Borrower or (2)occurs white Insured has
Good and Merchantable Title that was acquired because of the Default by a Borrower.
6. Perils Excluded -
This Polic,r does not insure against loss or damage caused by or resulting from.
(a) the perils of fire, lightning, windstorm, hail, explosion, riot, riot attending a strike, civil commotion, aircraft, vehicles, smoke,
sprinkler leakage, vandalism or malicious mischief, all as defined in the Standard State F ire Insurance Polio and the approved
and standard endorsements thereto, except to the extent of that portiun of the loss which was uninsured under such polio and
{ endorsement because of the application of a co-insurance clause,
(b) errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues and then
only for the ensuing loss,
(c) nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled, and whether such loss
be direct or indirect, proximate or remote or be in whole or in part caused by, contributed to or aggravated b� a peril insured
against in this Policy,
(d) (1) hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual,
impending or expected attack (a) by any government or sovereign power (de jure or de facto), or by any authority main-
taining or using military, naval or air forces;or (b) by military, naval or air forces;or (c) by an agent of ans such govern•
ment,power,authority or forces;
(2) any weapon of war employing atomic fission or radioactive force whether in time of peace or war;
(3) insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authorit,i in hindering,com-
bating or defending against such an occurrence,seizure or destruction under quarantine or customs regulations, confiscation
by order of any government or public authority.
7. Notice of Default -
Within ten(10) days after the Insured becomes aware that
A. A Borrower is Four (4) Months in Default,as defined herein,or
j 9. Proceedings to acquire title to a Borrower's property have been commenced by the Insured or its agents, successors or assigns,
Vt&1 wsr ~t.eearn&M,Vatic&hereof OWI be jiver to the Company by the Insured upon the form furnished by the Company;pro-
V"0 however, dot failuri of dw Company to lowish form shall not relieve the Insured of the obligation to jive notice in any reason.
abl e form within dw rpuind time. Thereafter,the Insured shall report monthly to the Company in summary form the status of the
llorrower% socount.wall a dafm is submitted to the Company or until the Borrower's account is current. Failure by the Insured to give
any notice or file any report required under this Policy within the time period specified shall not constitute failure to Comply with a
material condition of this Policy provided that such failure is remedied within ten (10) days of receipt of a notice thereof from the
fZompany.
g. Loss Procedures—
A. Advances — In the vent of Default, it Mall be a condition to payment of a claim on any Insured Mortgage Agreement that the In-
sured advance: (1) hazard insurance premiums and (2) as necessary and approved in advance by the Company (a) real estate prop-
arty taxes and property protection and preservation expenses, (b) property sales expenses and (c) foredosure costs including court
tests and reasonable attorneys fees.
B. Amount of Loss —The amount of Loss is the lesser of:
(1) the amount which it would cost to repair or replace the property with material of like quality and kind within a reasonable time
after such damage,or
(2) the sum of (1) the unpaid principal balance at the time of acquisition by the Insured, (2) the accumulated delinquent interest
computed to the date of the claim settlement at the Mortgage Agreement rate of interest,but excluding applicable late charges
and penalty interest and (3)(i) hazard insurance premiums and (ii) as necessary and approved in advance by the Company (a)
real esute property taxes and property protection and preservation expenses and (b) foreclosure costs including court costs and
reasonable attorneys fees.
C. Other Insurance — This Policy shall not cover any Loss or portion of Loss to the extent of any other insurance (excluding a Mortgage
Trust Insurance Policy), whether prior or subsequent hereto in date,and by whomsoever effected,directly or indirectly covering the
same property against the same perils and this Company shall be liable for loss or damage only for the excess amount beyond the
amount due from such other insurance.
D. Claim Payment — Subject to the Aggregate Loss Limit contained in F, the Company shall pay to the Insured the amount of the Loss
computed in accordance with B above. As a condition precedent to the payment of any claim for Loss in accordance with B(2)
above,the Insured shall provide the Company with Good and Merchantable Title to the Property.
E. Discharge of Obligation — Any claim payment by the Company pursuant to D above shall be a full and final discharge of its obliga-
tion with respect to such claim under the terms of this Policy.
F. Aggregate Loss Limit — Notwithstanding the provisions of B and D above, the Aggregate Loss Limit of the Company under this
Policy is equal to the Aggregate Loss Percentage of the Total Initial Principal Balances of the Insured Mortgage Agreements as in-
dicted on the face of this Policy. The Aggregate Losses are the sum of Losses paid by the Company pursuant to D above,reduced
by any net proceeds the Company receives upon disposal of any property. When the Aggregate Losses paid by the Company under
this Policy are an amount equal to the Aggregate Loss Limit, the liability of the Company to pad any additional claims for Loss
ceases until the Aggregate Losses are reduced below the Aggregate Loss Limit.
9. Submitting and Paying Claims —
A. Filing Claims — Unless otherwise mutually agreed,a claim for Loss may be filed with the Company on the appropriate form provided
by the Company within sixty (60) days after the Insured has acquired Good and Merchantable Title to the property.
B. Failure to File — Failure to file a claim for Loss within sixty (60) days after Good and Merchantable Title has been acquired shall be
deemed an election by the Insured to waive any right to claim payment under the terms of this Policy,provided that such sixty (60)
day period shall not commence until the appropriate form has been provided by the Company to the Insured.
C. Payment of Claims — Any claim payment due the Insured shall be payable within thirty (30) days after a claim is received by the
Company. The date of a claim settlement is the date on which the Company issues a claim payment.
I lotice —
All notices, claims, tenders, reports and other data required to be submitted to the Company by the Insured shall be mailed postpaid to
the administrative office of the Company at MGIC Plaza, Milwaukee,Wisconsin 53202,or to any agent of the Company. The Company
my ehatKe this addren by living written notice•to the Inwred. AN notices to the Imwed shall be mailed postpaid to the address on the
hce of this policy unless the Company b otherwise notified in wrhing. The Company and the Insured may mutually agree that notices
eltall be sent to additional Persons.
11. Provisions Applicable —
The provisions of this Policy shall inure to the benefit of and be binding upon the Company,the Insured and their successors and assigns.
12. Suit -
No wit or action on this Policy for recovery of any claim shall be sustained in any court of law or equity unless all material conditions of
this Policy have been complied with, except that a condition may be specifically waived by the Company in writing. A wit against the
Company trust be commenced within three (3) years after the Loss can be determined.
13. Waiver of Conditions -
No condition of the Policy, amendment or endorsement thereto shall be deemed waived, altered or otherwise compromised unless stated
in writing and duly executed Each of the conditions of this Policy is severable,and a waiver,alteration or compromise of one condition
shall not be construed as a waiver,alteration or compromise of any other condition
14. Conflict with Laws -
Any provision of this Policy which is in conflict with the laws of the jurisdiction in which it is effective is hereby amended to conform
with the minimum requirements of such laws
MGIC MGIC Indemnity Corporation
' MGIC Plata a wbsidrary of
Mllvraulec,Wi%oon%in MGIC Investment Corporation
SPECIAL HAZARD INSURANCE POLICY ENDORSEMENT
Anat,hed to and Forming Litcoive Date
Pet i ..1 Pulic� Number of L nd,jr.emcnt
017 December 13, 1978
Santa Fe Federal Savings and Loan Association, etc.
A new Condition 6(e) is added to the above-captioned Policy,
which reads:
6. Perils Excluded —
"This Policy does not insure against loss or damage
caused by or resulting from:
r:*x
"(e) earthquake. "
Nothing herein contained shall be held to vary, alter,waive or extend any of the terms,conditions,provisions.igrrements or limitations of the
jht,tc• mentioned Polio other than as above stated
In Witness Whereof, The Company has caused its Corporate Seal to be hereto affixed end these presentt, to he signed h� its duls autholircd
officers in facsimile to become effective es its original seal and signatures and binding on the Comp,rny.
MGIC INDEMNITY CORPORATION
St.,I et.II
President
04-0605(11 /78)
04-0593 (8/78)
CONDITIONS
1. Definitions—
A. "Policy" is this policy of insurance plus all applications, commitments,endorsements and schedules relating hereto,all of which
attached hereto and incorporated by reference herein.
B. "Insured" is the Person designated on the face of this Policy. The Insured may contract with any other Person to perform the
Insured's obligations under this Policy.
C. "Person"is any individual,corporation,partnership,association or other entity.
D. "Borrower"is the Person required to repay the debt obligation created pursuant to a Mortgage Agreement.
E. "Schedule"is the listing or listings of Insured Mortgage Agreements under this Policy.
F. "Default" occurs when the Borrower becomes in arrears in an amount equal to or greater than one (1) monthly payment due under
the terms of the Mortgage Agreement or violates any other term or condition of the Mortgage Agreement which is a basis for a fore-
closure action.
G. "Loss" is the direct physical loss or damage to property subject to the Mortgage Agreements in the attached Schedule which is
caused by or results from a peril insured against under this Policy and which either (1) occurs prior to the Insured's acquiring Good
and Merchantable Title because of a Default by a Borrower or (2)occurs while the Insured has Good and Merchantable Title that was
acquired because of the Default by a Borrower.
H. "Four (4) Months in Default" occurs when the Borrower becomes in arrears in an amount equal to or greater than four (4) monthly
payments due under the terms of the Mortgage Agreement.
1. "Mortgage Agreement" is any note and any mortgage, bond, deed of trust, or other instrument which constitutes a first lien or
charge on Residential real property and which collateralizes the Borrower's debt obligation. r
J. "Insured Mortgage Agreement" is any Mortgage Agreement which the Company has underwritten and approved and which is pur-
chased with the proceeds of the Security.
K. "Residential" is a type of building which is designed for occupancy by not more than four families or a condominium unit.
L. "Good and Merchantable Title" is title free and clear of all liens, encumbrances, covenants, conditions, restrictions and easements
(hereinafter referred to as Liens), except for: (1) the lien of any public bond, assessment or tax,when no installment,call or pay-
ment of or under such bond, assessment or tax is delinquent, (2) any Liens which were reflected in the appraisal provided to the
Company and to which there was no objection, any municipal and zoning ordinances and exceptions to title set forth in Federal
Housing Administration Reg. Sec. 203.389 and Section 314.02 of the Federal National Mortgage Association Conventional Selling
Contract Supplement, both to the extent in effect at the effective date of this Policy,and (3) any other impediments which will not
have a materially adverse effect on the marketability of the title.
M. "Security" is the bond,certificate or other security instrument noted or referred to on the face of this Policy.
N. "Initial Principal Balance" is the unpaid principal balance of a Mortgage Agreement at the time of purchase from proceeds of the
Security.
O. 'Total Initial Principal Balances" is the sum of the Initial Principal Balances of all the Mortgage Agreements purchased from the
proceeds of the Security.
P. Any pronouns, when used herein,shall mean the single or plural, masculine or feminine,as the case may be.
2. Effective Date, Policy Period,Termination and Cancellation —
t
The effective date of this Policy shall be the date specified on the face hereof. This Policy shall continue in force until (1) each Insured
Mortgage Agreement in the Schedule either has been paid in full er is no longer represented by the Security or (2) the Security is
redeemed. Except as provided in this Condition and in Condition 3,there shall be no right of cancellation under this Policy.
3. Premiums—
A. The premium for this Policy shall be paid in the manner and at the rate specified on the face hereof. Failure to pay any premium
within ten (10) business days after receipt of notice from the Company that such premium is due and unpaid will terminate the
liability of the Company with respect to the coverage contained in this Policy. There shall be no refund of premium under this
Policy.
B. If the Aggregate Loss under this Policy reaches the Aggregate Loss Limit as defined in Condition 8F, then the total premium under
this Policy is due and shall remain due. Provided,however,that the premium shall continue to be calculated and paid in the manner
specified on the face hereof.
4. Notice of Prepayment/Assumption —
Unless otherwise mutually agreed by the Company and the Insured, the Insured shall quarterly [within fifteen (15) days after the last
day of March, June, September and December] provide the Company with a listing of those Insured Mortgage Agreements which have
been prepaid in full or which have been assumed.
5. Perils Insured Against —
This Policy insures against Loss that is caused by all risks of direct physical loss or damage which occurs to the property subject to the
Insured Mortgage Agreements in the attached Schedule from any external cause, except as hereinafter excluded, and which either (1)
occurs prior to the Insured's acquiring Good and Merchantable Title because of a Default by a Borrower or (2)occurs while Insured has
Good and Merchantable Title that was acquired because of the Default by a Borrower.
6, Perils Excluded —
This Policy does not insure against loss or damage caused by or resulting from:
(a) the perils of fire, lightning, windstorm, hail, explosion, riot, riot attending a strike, civil commotion, aircraft, vehicles, smoke,
sprinkler leakage, vandalism or malicious mischief, all as defined in the Standard State Fire Insurance Policy and the approved
and standard endorsements thereto, except to the extent of that portion of the loss which was uninsured under such policy and
endorsement because of the application of a co-insurance clause;
(b) errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues and then
only for the ensuing loss;
(c) nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled,and whether such loss
be direct or indirect, proximate or remote or be in whole or in part caused by, contributed to or aggravated by a peril insured
against in this Policy;
(d) (1) hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual,
impending or expected attack (a) by any government or sovereign power (de jure or de facto), or by any authority main-
taining or using military, naval or air forces;or (b) by military, naval or air forces;or (c) by an agent of any such govern-
ment,power,authority or forces;
(2) any weapon of war employing atomic fission or radioactive force whether in time of peace or war;
(3) insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering,com-
bating or defending against such an occurrence,seizure or destruction under quarantine or customs regulations,confiscation
by order of any government or public authority.
7. Notice of Default—
Within ten (10) days after the Insured becomes aware that:
A. A Borrower is Four (4) Months in Default,as defined herein,or
l B. Proceedings to acquire title to a Borrower's property have been commenced by the Insured or its agents, successors or assigns
whic aver event occurs first,notice thereof shall be given to the Company by the Insured upon the form furnished by the Company;pro-
vided, however, that failure of the Company to furnish forms shall not relieve the Insured of the obligation to give notice M any reason-
able form within the required time. Thereafter, the Insured shall report monthly to the Company in summary form the status of the
Borrower's account, until a claim is submitted to the Company or until the Borrower's account is current. Failure by the Insured to give
any notice or file any report-required under this Policy within the time period specified shall not constitute failure to comply with a
material condition of this Policy provided that such failure is remedied within ten (10) days of receipt of a notice thereof from the
Company.
8. Loss Procedures—
A. Advances — In the event of Default, it shall be a condition to payment of a claim on any Insured Mortgage Agreement that the In-
sured advance: (1) hazard insurance premiums and (2) as necessary and approved in advance by the Company (a) real estate prop-
erty taxes and property protection and preservation expenses, (b) property sales expenses and (c) foreclosure costs including court
costs and reasonable attorneys fees.
B. Amount of Loss —The amount of Loss is the lesser of:
(1) the amount which it would cost to repair or replace the property with material of like quality and kind within a reasonable time
after such damage;or _
(2) the sum of (1) the unpaid principal balance at the time of acquisition by the Insured, (2) the accumulated delinquent interest
computed to the date of the claim settlement at the Mortgage Agreement rate of interest,but excluding applicable late charges
and penalty interest and (3)(i) hazard insurance premiums and (ii) as necessary and approved in advance by the Company (a)
real estate property taxes and property protection and preservation expenses and (b) foreclosure costs including court costs and
reasonable attorneys fees.
C. Other Insurance —This Policy shall not cover any Loss or portion of Loss to the extent of any other insurance (excluding a Mortgage
Trust Insurance Policy), whether prior or subsequent hereto in date,and by whomsoever effected, directly or indirectly covering the
same property against the same perils and this Company shall be liable for loss or damage only for•the excess amount beyond the
E amount due from such other insurance.
i
D. Claim Payment — Subject to the Aggregate Loss Limit contained in F, the Company shall pay to the Insured the amount of the Loss
computed in accordance with B above. As a condition precedent to the payment of any claim for Loss in accordance with B(2)
above,the Insured shall provide the Company with Good and Merchantable Title to the Property.
E. Discharge of Obligation — Any claim payment by the Company pursuant to D above shall be a full and final discharge of its obliga-
tion with respect to such claim under the terms of this Policy.
F. Aggregate Loss Limit — Notwithstanding the provisions of B and D above, the Aggregate Loss Limit of the Company under this
Policy is equal to the Aggregate Loss Percentage of the Total Initial Principal Balances of the Insured Mortgage Agreements as in-
dicated on the face of this Policy. The Aggregate Losses are the sum of Losses paid by the Company pursuant to D above,reduced
by any net proceeds the Company receives upon disposal of any property. When the Aggregate Losses paid by the Company under
this Policy are an amount equal to the Aggregate Loss Limit, the liability of the Company to pay any additional claims for Loss
ceases until the Aggregate Losses are reduced below the Aggregate Loss Limit.
9. Submitting and Paying Claims —
A. Filing Claims— Unless otherwise mutually agreed,a claim for Loss may be filed with the Company on the appropriate form provided
by the Company within sixty (60) days after the Insured has acquired Good and Merchantable Title to the property.
B. Failure to File — Failure to file a claim for Loss within sixty (60) days after Good and Merchantable Title has been acquired shall be
deemed an election by the Insured to waive any right to claim payment under the terms of this Policy,provided that such sixty (60)
day period shall not commence until the appropriate form has been provided by the Company to the Insured.
C. Payment of Claims — Any claim payment due the Insured shall be payable within thirty (30) days after a claim is received by the
Company. The date of a claim settlement is the date on which the Company issues a claim payment.
10. Notice —
All notices, claims, tenders, reports and other data required to be submitted to the Company by the Insured shall be mailed postpaid to
the administrative office of the Company at MGIC Plaza, Milwaukee,Wisconsin 53202,or to any agent of the Company. The Company
may change this address by giving written notice'to the Insured. All notices to the Insured shall be mailed postpaid to the address on the
face of this Policy unless the Company is otherwise notified in writing. The Company and the Insured may mutually agree that notices
shall be sent to additional Persons.
11. Provisions Applicable —
The provisions of this Policy shall inure to the benefit of and be binding upon the Company,the Insured and their successors and assigns.
12. Suit --
No suit or action on this Policy for recovery of any claim shall be sustained in any court of law or equity unless all material conditions of
this Policy have been complied with, except that a condition may be specifically waived by the Company in writing. A suit against the
Company must be commenced within three (3) years after the Loss can be determined.
13. Waiver of Conditions —
No condition of the Policy, amendment or endorsement thereto shall be deemed waived,altered or otherwise compromised unless stated
in writing and duly executed. Each of the conditions of this Policy is severable, and a waiver,alteration or compromise of one condition
shall not be construed as a waiver,alteration or compromise of any other condition.
14. Conflict with Laws —
Any provision of this Polio which is in conflict with the laws of the jurisdiction in which it is effective is hereby amended to conform
with the minimum requirements of such laws.
C
C
-MGW, MGIC Indemnity Corporation
MGIC Plaza a subsidiary of
Milwaukee,Wisconsin MGIC Investment Corporation
SPECIAL HAZARD INSURANCE POLICY ENDORSEMENT
attached to and Forming Effective Date
Part of Polio Number of Lndorsement:
017 AMENDED December 13, 1978
P.)lic\ is:ucd 10: Santa Fe Federal Savings and Loan Association, etc.
A new Condition 6(e) is added to the above-captioned policy,
which reads:
6. Perils Excluded —
"This Policy does not insure against loss or damage
caused by or resulting from:
"(e) earthquake. "
Nothing herein contained shall be held to vary,alter,waive or extend any of the terms,conditions,provisions,agreements or limitations of the
above mentioned Policy other than as above stated.
In Witness Whereof,The Company has caused its Corporate Seal to be hereto affixed and these presents to be signed by its duly authorized
officers in facsimile to become effective as its original seal and signatures and binding on the Company.
MGIC INDEMNITY CORPORATION
.�` 4O '
\ / off . � � I •
President %'���t,.t� e��= Secretary
04-0605(11/78)
*MGIC MGIC Indemnity Corporation
MGIC Plaza a subsidiary of
Milwaukee,Wisconsin MGIC Investment Corporation
SPECIAL HAZARD INSURANCE POLICY ENDORSEMENT
Attached to and Forming Effective Date
P,rrt of Policy Number of Endorsement:
017 AMENDED December 13, 1978
Pulic� issued to: Santa Fe Federal Savings and Loan Association
Condition 8F of the above-captioned Policy is deleted in its entirety and
is replaced by a new Condition 8F, which reads:
8. Loss Procedures —
F. Aggregate Loss Limit — Notwithstanding the provisions of B
and D above, the Aggregate Loss Limit of the Company under
this Policy is an amount equal to the greater of either: (1) the
per cent of the initial total principal balances of the Mortgage
Agreements as indicated on the face of this Policy or (2) twice
the largest principal balance of any Mortgage Agreement. The
Aggregate Losses are the sum of Losses paid by the Company
pursuant to D above, reduced by any net proceeds the Company
receives upon disposal of any property. When the Aggregate
Losses paid by the Company under this Policy are an amount
equal to the Aggregate Loss Limit, the liability of the Company
to pay any additional claims for Loss ceases until the Aggregate
Losses are reduced below the Aggregate Loss Limit.
Nothing herein contained shall be held to vary,alter,waive or extend any of the terms,conditions,provisions,agreement's or limitations of the
above mentioned Policy other than as above stated.
In Witness Whereof,The Company has caused its Corporate Seal to be hereto affixed and these presents to be signed b� its dull authorized
officers in facsimile to become effective as its original seal and signatures and binding on the Company.
MGIC INDEMNITY CORPORATION
I
r I /f
President Sccrrtar�
04-0606(l
• �• ` -• ;W'��\R�rim �V'�rVr ��•v � '�
MGIC Mortgage Guaranty Insurance Corporation
a subsidiary of MGIC Investment Corporation '
MGIC Plus,P.O. box 488 .;
}> Milwaukee,Wisconsin 53201
t: Mortgage Guaranty Master Policy '
t'>� c� Mr 04-615-1-4069
• 3 1.
4 .C.:. Montage Guaranty Insurance Corporation la Stock Insurance Company herein called the Company) agrees to pay to
I
Santa Fe Federal Savings and Loan Association in care for the Redevelopment Agency3'
c
of the City of an Bernardino Single—Family Residential Mortgage Revenue lon3s, '
..> f 1976 Series A, 701 E Street, P.O. Box 1309, San Bernardino, CA 92403
t c (HEREINAFTER CALLED THE INSURED)
x c in consideration of the premium or premiums to be paid by the Insured as specified in the Certificate,
/> E and in reliance upon the statements made in the Application submitted by the Insured, any loss
�.\ sustained by reason of the default in payments by a Borrower as hereinafter set forth, subject to the ' 1
> following conditions:
�.. � c
CONDITIONS
f 1. APPLICATION AND COMMITMENT 1 <
# C d The Insured shall furnish the Company with an Application in connection with each mortgage
loan for which coverage under this policy is desired, on forms furnished and with requirements 3 �*
prescribed by the Company. Approval of the Application shall be at the discretion of the Company
and shall be in the form of a Commitment prescribing the terms of the coverage.
C46 2. NOTICE AND CERTIFICATE } )�
• Within five (5) days after consummation of the mortgage loan transaction the Insured shalt
•�:c` forward notice thereof to the Company, together with the premium, and the Company shall immedi-
ately issue and forward a Certificate to the Insured or the Certificate previously issued to the Insured 3 <<
' �c• shall then become effective, binding the Company according to the terms and conditions of the >)
�► Commitment and of this policy. The effective date of the Certificate shall become the date on which
(t:c:
the mortgage loan transaction was consummated, which date shall precede the Commitment );�!
expiration date or an extension thereof approved in writing by the Company. `$ G
3. PAYMENT OF PREMIUMS
In the event that coverage includes renewal privileges, the renewal premiums shall be paid
C, within 45 days following the anniversary of the effective date of the Certificate. Failure to pay any � ) y
premium, initial or renewal, when due will terminate the liability of the Company with respect to the
mortgage loan insured pursuant to the Certificate. ,D , .
x}114 s,
AwAL
MGIC FORM NO.4-100 (1 f7S)
4. TERMINATION BY COMPANY
The Company shall remain liable under this policy with respect to such Commitments or Certificates issued to
4%e Insured, as long as the terms and conditions herein contained are fully complied with. However, the Company
serves the right to terminate this policy at any time, subject to its remaining liable on such Commitments and
Certificates already issued to the Insured.
S. CANCELLATION BY INSURED
The Insured shall have the privilege of canceling the coverage pursuant to any Certificate by returning such
Certificate to the Company. On receipt thereof, the Company shall refund to the Insured such sum as may be determined
to be due in accordance with the cancellation schedule set forth on the back cover, hereof; providing however, that no
refund shall be paid in the event that a claim for loss has been filed.
6. RESTORATION OF DAMAGE
As a prerequisite for the payment of such loss as may be determined to be due herein, should there be physical
loss or damage to the property from any cause, whether through accidental means or otherwise, the Insured shall cause
the said property to be restored to its condition at the time of the issuance of the Certificate, reasonable wear and
tear excepted.
7. OPEN-END PROVISION
The Insured may increase the mortgage loan balance by making an additional loan to the Borrower, provided
that an Application is made therefor subject to approval by the Company. In the event of such approval, the prevailing
premium therefor shall be paid to the Company, for the additional amount loaned to the Borrower, and the Company
shall issue a Certificate insuring the additional amount.
8. COMPLETED CONSTRUCTION
In the event that the mortgaged premises consists of improvements in the process of construction, the Company
shall not be liable until such construction is completed.
9. NOTICE OF DEFAULT
Within 10 days after the Borrower is four (4) months in default, notice thereof shall be given to the Company by
the Insured Monthly reports indicating the default status of She Borrower's account shall be given to the Company
thereafter until such time as appropriate proceedings are commenced, title has been vested in the insured, or the
Borrower is less than four (4) months in default.
10. PROCEDURE ON DEFAULT
When the Borrower's account is four (4) or more months in default, the Company may direct that the Insured
commence appropriate proceedings as herein defined, which shall be commenced, in any event, when the Borrower's
account is nine (9) months in default. Such proceedings, when instituted, shall be diligently pursued, and should
applicable laws permit the appointment of a receiver, application therefor shall be made by the Insured, with the
recommendation that an agent of the Company be appointed to so act.The Company shall be furnished,within a reason-
able time,copies of all notices and pleadings required in such proceedings, and with any pertinent information requested
by the Company. The Insured shall also furnish to the Company,at least fifteen days prior to the foreclosure sale, if any,
a statement indicating the amount anticipated to be due, at the time of the sale, to the Insured under the terms of this
policy and shall be required to bid, at the sale,the amount due to the Insured under the terms of this policy. Acceptance
by the Insured at any time of a voluntary conveyance from the Borrower of his interest in the mortgaged real 'estate or
commencement by the Insured of appropriate proceedings on default of the Borrower, even though his account is less
than four (4) months in default, shall not preclude the Insured from recovery for loss under this policy.
11. COMPUTATION OF LOSS
The amount of loss payable to the Insured shall be limited to the principal balance due pursuant to the mortgage
agreement,accumulated interest computed through the date of the tender of conveyance,as hereinafter set forth (penalty
interest excluded), real estate taxes and hazard insurance premiums necessarily advanced by the Insured, any expenses
necessarily incurred by the insured in the preservation of the mortgaged real estate, and all other necessary expenses of
the appropriate proceedings, including court costs, and reasonable attorneys' fees not exceeding three (3%) per cent
of the principal and interest due as herein set forth.
WHEN LOSS PAYABLE
Any loss due to the Insured shall be payable within 60 days after filing a claim for such loss on a form to be
furnished by the Company. The claim for loss must be accompanied by a tender to the Company of conveyance of
title to the mortgaged real estate together with satisfactory evidence that such title is good and merchantable in the
Insured, free and clear of all liens and encumbrances. failure to file a claim for loss within 60 days after completion of
appropriate proce"np shall be doomed an election by the Insured to waive any right to dalm payment under the
terms of this policy.
3. OPTION OF PAYMENT
In lieu of conveyance of title to the mortgaged premises and payment as set forth in Condition 11, the Company
shall have the option to pay the percentage of the amount due the insured in accordance with the amount of coverage
selected and paid for as indicated on the Certificate of Insurance, or subsequent Certificate amendments which become
a part of this policy, and have no claim to said real estate, such payment to be a full and final discharge of the
Company's liability.
14. WHERE NOTICE IS GIVEN
All notices,pleadings, claims,tenders,reports and other data required to be given by the Insured to the Company
shall be mailed postpaid to the home office of the Company.
15. NO RIGHT OF SUBROGATION AGAINST BORROWER
The Borrower shall not be liable to the Company for any loss paid to the Insured pursuant to this policy; provided,
however, that the real estate shall consist of a single family dwelling occupied by the Borrower; otherwise, the Company
reserves the right to make claim against the Borrower for any loss paid or deficiency suffered by the Company.
16. TO WHOM PROVISIONS APPLICABLE
The provisions of this policy shall inure to the benefit of and be binding upon the Company and the Insured,
and their successors and assigns.
17. SUIT
No suit or action on this policy for recovery of any claim shall be sustained in any court of law or equity unless
all the conditions of this policy have been complied with, unless specifically waived by the Company in writing, and
unless commenced within two (2) years after the loss can be determined.
18. CONFLICT WITH LAWS
t Any provision of this policy which is in conflict with the laws of the jurisdiction in which this policy is effective
.s hereby amended to conform with the minimum requirements of such laws.
19. DEFINITIONS
Four (4) months of default is defined as the failure to pay the total aggregate amount of four (4) monthly
payments due under the terms of the mortgage agreement. Similarly., nine (9) months of default is defined as the failure
to pay the total aggregate amount of nine (9) monthly payments due under the terms of the mortgage agreement.
Mortgage agreement is defined to include a note, mortgage, bond, deed of trust, or other instrument used in
connection with the Borrower's loan.
Appropriate proceedings are defined as any practical legal remedy permissible, under the laws of the jurisdiction
in which the real estate is located, to vest title in the Insured, including, but not limited to, foreclosure by public or
private sale.
The term Borrower, or Insured, when used herein, shall mean the single or plural, male or female, individual,
partnership, or corporation, as the case may be.
In witness Whereof, The Company has caused its Corporate Seal to be hereto affixed and these presents to be signed by its duly authorized
officers in facsimile to become effective as Its original seal and signatures and binding on the Company by virtue of countersignature by its duly
authorized agent.
Mortgage Guaranty Insurance Corporation
T • •_ `,� '
� f
VII
/. 1;4 SECREIARY
PRESIDENT S I*
�� '''�= ". •' l ..................
DATE ....Deeimbetr••13` 1970••• t,�N��j '••"•AUTMpRtZED REPRESENTATIVE
MORTGAGE GUARANTY INSURANCE CORPORATION
SHORT RATE CANCELLATION SCHEDULE
WNIMUM RETAINED PREMIUM
Initial Coverage$50.00 Renewal of Coverage$10.00
ANNUAL PREMIUM PLAN
DAYS PER CENT OF DAYS PER CENT Or DAYS PER CENT OF DAYS PER CENT OF
POLICY PREMIUM POLICY PREMIUM POLICY PREMIUM POLICY PREMIUM
IN FORCE RETAINED IN FORCE RETAINED IN FORCE RETAINED IN FORCE RETAINED
1 ................ 5 66. 69 ................ 29 154.156 ................ 53 256.260 ................ 77
2 ................ 6 70. 73 ................ 30 1S7.160 ................ 54 261.264 .............. 78
3- 4 ................ 7 74. 76 ................ 31 161.164 ................ 55 265.269 ................ 79
5- 6 ................ 8 77. 80 ................ 32 165.167 ................ 56 270.273 (9 moss ........ 80
7- 8 ................ 9 81. 83 ................ 33 168.171 ................ 57 274-278 ................ 81
9. 10 ................ 10 84. 87 ................ 34 172.175 ................ 58 279-282 ................ 82
11. 12 ................ 11 88. 91 (3 mos) .. . ..... 35 176.178 ....... ......... 59 283.287 ................ 83
13- 14 ................ 12 92. 94 ................ 36 179-182 (6 mos.) ........ 60 288-291 ...............: 84
1S- 16 ................ 13 95- 98 . ............... 37 183.187 ................ 61 292-2% ....... ......... 85
17. 18 ................ 14 99-102 ................ 38 188-191 .......... ...... 62 297.301 ....... . .. ...... 86
19- 20 ................ 15 103.105 ................ 39 192-196 ............. ... 63 302-305 (10 mos ....... 87
21- 22 ........ . .... ... 16 106.109 . ...... .. .. . . . .. 40 197-200 ...... . ... ...... 64 306.310 ...... . . ... ..... 88
23. 25 . ...... ...... ... 17 110.113 ........... .... . 41 201.205 ................ 65 311-314 ....... ......... 89
26. 29 ................ 18 114-116 ................ 42 206-209 ................ 66 315-319 ................ 90
30- 32 (1 mo.) ......... 19 117-120 ................ 43 210-214 (7 mos.) ........ 67 320.323 ................ 91
33. 36 ................ 20 121-124 44 mos.) ........ 44 215-218 ................ 68 324-328 ................ 92
37- 40 ................ 21 125-127 ................ 45 219-223 ................ 69 329-332 ................ 93
41. 43 ................ 22 128-131 . ............... 46 224-228 ................ 70 333.337 (11 mos ) ....... 94
44- 47 .. .............. 23 132.135 . . ... .......... . 47 229-232 ................ 71 338-342 ....... . ........ 95
48- 51 ............. ... 24 136-138 . ...... ......... 48 233-237 ................ 72 343-346 ................ %
52. 54 ..... ........... 25 139.142 . ....... ....... . 49 238.241 ................ 73 347-351 ........... ..... 97
55. 58 . ............... 26 143.146 . .. ............. 50 242-246 (8 mos.) ........ 74 352-355 ................ 98
S9. 62 (2 mos ) ..... ... 27 147-149 ........... ..... 51 247-250 ................ 75 356-360 ................ 99
63- 65 ............. ... 28 150-153 (5 mos! . ....... 52 251-255 ................ 76 361.365 ................100
f SINGLE PREMIUM'PLANS
MONTHS PER CENT OF MONTHS PER CENT OF MONTHS PER CENT OF MONTHS PER CENT OF
POLICY PREMIUM POLICY PREMIUM POLICY PREMIUM POLICY PREMIUM
IN FORCE RETAINED IN FORCE RETAINED IN FORCE RETAINED 1% FORCE RETAINED
3 4 5 7 10 12 15 3 4 S 7 10 12 15 7 10 12 15 10 12 15 .
YR YR YR VR YR YR YR YR YR YR YR YR YR YR YR YR YR YR YR YR YR
1 .......... 9.. 8.. 7.. 6.. S.. 3.. 2 31 ......... 96.. 87.. 79..64..51..46..40 61 ......... 92..78..71..61 96 18 yrs, ... 9S.. 89.. 80
2 ..........16..13..11.. 9.. 7.. S.. 4 32 ......... 97.. 89.. 80..66..52..47..41 62 ......... 92..79..72..61 97.98 .......... 9S.. 90.. 81
3 ..........23..18..15..11.. 9.. 8.. 7 33 ......... 98.. 90.. 82..67.33..47-.42 63 ......... 93..80..73..62 99 .......... 95.. 90.. 82
4 ..........29..23..19-.15.-11-.10.. 8 34 ......... l9.. 91.. 83..69..54..48..43 64 ......... 93..80..73..63 100 .......... 96.. 91.. 82
S ..........34..28-.23.-17..13..11..10 35 ......... 99.. 92.. 84.-70.35.-19.-43 65 ......... 944.-81..74--63 101.103 .......... 96.. 91.. O
6 ..........40..33..27..20..1S..13..11 36 (3 yrs) .100.. 93.. 85..71.36.30..44 66 ......... 94.-82..7S..64 104.106 .......... 97.. 92.. M
7 ..........43..37..31..23..17..15..12 37 .............. 9).. 86..73..57..51..45 67 ......... 95..82..76..65 10' .......... 97.. 93.. 85
8 ..........47..40.-35.-25..19..16..14 38 .............. 94.. 87..74..58..52..45 68 ......... 95..83..76..65 108.109 (9 yrs I ... 98.. 93.. IS
9 ..........50..12..38..29..21..18..15 39 .............. 95.. 88..76..59..53..46 69 ......... 9S..83..77..66 110-112 .......... 98.. 9N.. 86
10..........53.-45..40.-31..23..20..16 40 .............. 96.. 89..76..60..53..47 70.71 ......... %..84..77..67 113.115 .......... 49.. 95.;87
11 ..........57..47-.42..3S..25..22..18 41 .............. 96.. 90..77..61..54..47 72 16 yrs) .. 96-11S-711-68 116.117 .......... 99.. 9S.. M
12(1 yr) ....60..50..44..37..27..23..19 42 .............. 97.. 91..78..62..55..48 73 ......... 97..85..78..69 118 ..........100.. 95.. M
13 ..........63..S2..46..39..29..24..20 43 .............. 97.. 91..78..63..56..49 74 ......... 97..86..79..69 119-121 (10 yrs.l ..100.. W. 89
14 ..........67..55..48..40..31-.26..22 44 .............. 918.. 92..80..64.37..49 7S ......... 97..86..79..70 122.124 ............... 97.. W
1S ..........70..57..50..41.-33..28.-23 45 .............. 96.. 93..80..65..57..50 76 ......... 98..87..80..71 125.130 ............... W. 91
K..........73..60..S2.-13..35..30..24 46 .............. 99.. 93..82.-66..58..51 77 ......... 98..87..80..71 131.133 (11 yrs-) ....... 911.. 92
17 ..........76-.62..54..44.-37..31..26 47 .............. 19.. 94..62..67.-59..51 78 ......... 98..88..81..72 134.139 ............... l9..93
18 ..........78..65.-56..46..38..33..27 48 (4 yrs) ......100.. 95..83..68..60..52 79 ......... 99..118..82.-73 - ............•••
140.14 !9
19..........80.-67..56..47..39.-35..28 49 ................... 95..44..69..61..53 80......... 99..89..82..73 143.148 (12 yrs) .......W.. 95
20 ..........82-.70-.60..49..10..36.-30 SO ................... 96.-44..70..62.-53 81 ......... !9..8!..83..74 149.154 ....................96
21 ..........94..72..62..50..41.-37..31 51 ................... %-ELS..71..63.-54 82 ......... 99..90.-83..75 1S5.160 (13 yrs.) ............97
22 ..........85.-7S..64..51-.42..311..32 S2 ................... 97..116..72.-63..SS 83 .........100..90..44..75 161.169 (14 yrsI ............91
23 ..........87-.76.-66..53..43.-39.-34 33 ................... 97.-87..73..64..5S 84-85 (7 yrs) 100.111-84_76 170.175 ...................."
24 0 yrs.) ...H..78..68.-54..44..40..3S 54 ................... 96..117..74..65.36 86 ..............91..85..77 176.180 (15 yrs.) ............1�r
25 ..........90..79..70.-56..15.-41.-M 55 ................... !8..88..75..65.37 87-88 ..............92..86..77
26 ..........92-.81..72.-57.-46.-42.-37 56 ................... l8..89..76..67..S7 89 ..............92.-86..78
27 ..........W..82..74..59..47..43..J! 57 ................... .90..76..67..58 90-91 ..............93..87..78
211 ..........IM..M..76-.60..411..43..38 M ................... 99..90.37..68..59 92 ..............93..87.-79
29 ..........95..85..77..61--49.-44.-39 59 ...................100..91..77..69..59 93.94 ..............94..118..79
30..........96-.86..78..63..50..45..40 60 (S yrs.) ...........100..91..78.-70..60 95 ..............94--89.-80