Document:

Exhibit 10.5 to Hecla Mining Company Form 8-K dated September 14, 2007

Exhibit 10.5

 

THIRD AMENDMENT TO CREDIT AGREEMENT

 

THIS THIRD AMENDMENT TO CREDIT AGREEMENT, dated as of September 12, 2007 (this “Amendment”), to the Existing Credit Agreement (as defined below) is made by HECLA LIMITED (formerly known as Hecla Mining Company), a Delaware corporation (the “Borrower”), and the Lenders (such capitalized term and other capitalized terms used in this preamble and the recitals below to have the meanings set forth in, or are defined by reference in, Article I below).

W I T N E S S E T H:

WHEREAS, the Borrower, the Lenders, The Bank of Nova Scotia, as the Administrative Agent, and N M Rothschild & Sons Limited, as Technical Agent, are all parties to the Credit Agreement, dated as of September 12, 2005, as amended by the First Amendment to Credit Agreement, dated as of September 18, 2006, and the Second Amendment to Credit Agreement, dated as of November 8, 2006 (as further amended or otherwise modified prior to the date hereof, the “Existing Credit Agreement”, and as further amended by this Amendment and as the same may be further amended, supplemented, amended and restated or otherwise modified from time to time, the “Credit Agreement”); and

WHEREAS, pursuant to Section 2.8 of the Credit Agreement, the Borrower has requested that the Lenders extend the Stated Maturity Date for a period of one year and the Lenders are willing, on the terms and subject to the conditions hereinafter set forth, to provide such extension; and

NOW, THEREFORE, the parties hereto hereby covenant and agree as follows:

ARTICLE I

DEFINITIONS

SECTION 1.1.  Certain Definitions.  The following terms when used in this Amendment shall have the following meanings (such meanings to be equally applicable to the singular and plural forms thereof):

“Amendment” is defined in the preamble.

“Amendment Effective Date” is defined in Article III.

“Borrower” is defined in the preamble.

“Credit Agreement” is defined in the first recital.

“Existing Credit Agreement” is defined in the first recital.

SECTION 1.2.  Other Definitions.  Terms for which meanings are provided in the Existing Credit Agreement are, unless otherwise defined herein or the context otherwise requires, used in this Amendment with such meanings.

ARTICLE II

AMENDMENTS TO CREDIT AGREEMENT

Effective on (and subject to the occurrence of) the Amendment Effective Date, the provision of the Existing Credit Agreement referred to below is hereby amended in accordance with this Article II.  

SECTION 2.1.  Amendment to Section 1.1.  The definition of “Stated Maturity Date” in Section 1.1 of the Existing Credit Agreement is hereby amended by replacing the date “September 12, 2008” contained therein with “September 12, 2009”. 

ARTICLE III

CONDITIONS TO EFFECTIVENESS

This Amendment and the amendments contained herein shall become effective on the date (the “Amendment Effective Date”) when each of the conditions set forth in this Article III shall have been fulfilled to the satisfaction of the Administrative Agent.

SECTION 3.1.  Counterparts.  The Administrative Agent shall have received counterparts hereof executed on behalf of the Borrower and the Lenders. 

SECTION 3.2.  Affirmation and Consent.  The Administrative Agent shall have received, with counterparts for each Lender, a duly executed copy of an Affirmation and Consent, dated as of the Amendment Effective Date, in form and substance satisfactory to the Administrative Agent, duly executed and delivered by each of the Obligors (other than the Borrower).

SECTION 3.3.  Costs and Expenses, etc.  The Administrative Agent shall have received for the account of each Lender, all fees, costs and expenses due and payable pursuant to Sections 2.8, 3.3 and 10.3 of the Credit Agreement, if then invoiced.

SECTION 3.4.  Satisfactory Legal Form.  The Administrative Agent and its counsel shall have received all information, and such counterpart originals or such certified or other copies of such materials, as the Administrative Agent or its counsel may reasonably request, and all legal matters incident to the effectiveness of this Amendment shall be satisfactory to the Administrative Agent and its counsel.  All documents executed or submitted pursuant hereto or in connection herewith shall be reasonably satisfactory in form and substance to the Administrative Agent and its counsel.

ARTICLE IV

MISCELLANEOUS

SECTION 4.1.  Cross-References.  References in this Amendment to any Article or Section are, unless otherwise specified, to such Article or Section of this Amendment.

SECTION 4.2.  Loan Document Pursuant to Existing Credit Agreement.  This Amendment is a Loan Document executed pursuant to the Existing Credit Agreement and shall (unless otherwise expressly indicated therein) be construed, administered and applied in accordance with all of the terms and provisions of the Existing Credit Agreement, as amended hereby, including Article X thereof.

SECTION 4.3.  Successors and Assigns.  This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns.

SECTION 4.4.  Counterparts.  This Amendment may be executed by the parties hereto in several counterparts, each of which when executed and delivered shall be an original and all of which shall constitute together but one and the same agreement.  Delivery of an executed counterpart of a signature page to this Amendment by facsimile shall be effective as delivery of a manually executed counterpart of this Amendment.

SECTION 4.5.  Governing Law.  THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE INTERNAL LAWS OF THE STATE OF NEW YORK.

SECTION 4.6.  Full Force and Effect; Limited Amendment.  Except as expressly amended hereby, all of the representations, warranties, terms, covenants, conditions and other provisions of the Existing Credit Agreement and the Loan Documents shall remain unchanged and shall continue to be, and shall remain, in full force and effect in accordance with their respective terms.  The amendments set forth herein shall be limited precisely as provided for herein to the provisions expressly amended herein and shall not be deemed to be an amendment to, waiver of, consent to or modification of any other term or provision of the Existing Credit Agreement or any other Loan Document or of any transaction or further or future action on the part of any Obligor which would require the consent of the Lenders under the Existing Credit Agreement or any of the
Loan Documents.

SECTION 4.7.  Representations and Warranties.  In order to induce the Lenders to execute and deliver this Amendment, the Borrower hereby represents and warrants to the Lenders, on the Amendment Effective Date, both before and after giving effect to this Amendment, all statements set forth in Section 5.3.1 of the Credit Agreement are true and correct as of such date, except to the extent that any such statement expressly relates to an earlier date (in which case such statement was true and correct on and as of such earlier date).

IN WITNESS WHEREOF, the parties hereto have executed and delivered this Amendment as of the date first above written.

 

	
             
 	
             
 	
            HECLA LIMITED (formerly known as Hecla Mining Company)
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
            By:
 	
            /s/ Lewis E. Walde
 
	
             
 	
             
 	
             
 	
            Title:  Vice President
 
	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
            LENDERS:
 
	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
            THE BANK OF NOVA SCOTIA
 
	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
            By:
 	
            /s/ Ray Clarke
 
	
             
 	
             
 	
             
 	
            Title:  Director
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
            By:
 	
            /s/ Bob Deol
 
	
             
 	
             
 	
             
 	
            Title:  Associate
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 
	
             
 	
             
 	
            N M ROTHSCHILD & SONS LIMITED
 
	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
            By:
 	
            /s/ George Pyper
 
	
             
 	
             
 	
             
 	
            Title:  Director
 
	
             
 	
             
 	
             
 	
             
 
	
             
 	
             
 	
             
 	
            By:
 	
            /s/ Nicholas Wood
 
	
             
 	
             
 	
             
 	
            Title:  Directorefc7-2265_6332042ex41.htm

    
      EXHIBIT
        4.1

    

    

    AMENDMENT
      NO. 1

    

    Dated
      as
      of September 11, 2007

     

    to

     

    POOLING
      AND SERVICING AGREEMENT

     

    Dated
      as
      of August 1, 2007

     

    among

     

    CWABS,
      INC.,

    Depositor

     

    COUNTRYWIDE
      HOME LOANS, INC.,

    Seller

     

    PARK
      MONACO INC.,

    Seller

     

    PARK
      SIENNA LLC,

    Seller

     

    COUNTRYWIDE
      HOME LOANS SERVICING LP,

    Master
      Servicer

     

    and

     

    THE
      BANK
      OF NEW YORK,

    Trustee

     

    ASSET-BACKED
      CERTIFICATES,
      SERIES 2007-12

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    THIS
      AMENDMENT NO. 1, dated as of September 11, 2007 (this “Amendment”), to the
      Pooling and Servicing Agreement (as defined below), is among CWABS, INC., a
      Delaware corporation, as depositor (the “Depositor”), COUNTRYWIDE HOME LOANS,
      INC. (“Countrywide”), a New York corporation, as a seller (a “Seller”), PARK
      MONACO INC. (“Park Monaco”), a Delaware corporation, as a seller (a “Seller”),
      PARK SIENNA LLC (“Park Sienna”), a Delaware limited liability company, as a
      seller (a “Seller”, and together with Countrywide, Park Granada and Park Monaco,
      the “Sellers”), COUNTRYWIDE HOME LOANS SERVICING LP, a Texas limited
      partnership, as master servicer (the “Master Servicer”), and THE BANK OF NEW
      YORK, a banking corporation organized under the laws of the State of New York,
      as trustee (the “Trustee”).

     

    WITNESSETH
      THAT

     

    WHEREAS,
      the Depositor, the Sellers, the Master Servicer and the Trustee entered into
      a
      Pooling and Servicing Agreement, dated as of August 1, 2007 (the “Pooling and
      Servicing Agreement”);

     

    WHEREAS,
      the Depositor, the Sellers, the Master Servicer and the Trustee desire to
      correct the Original Certificate Principal Balances as set forth in (i) the
      Preliminary Statement of the Pooling and Servicing Agreement and (ii) Section
      5.01 of the Pooling and Servicing Agreement as specified below (such amendment,
      the “Amendment”);

     

    WHEREAS,
      the third paragraph of Section 10.01 of the Pooling and Servicing Agreement
      provides that the Pooling and Servicing Agreement may be amended by the
      Depositor, each Seller, the Master Servicer and the Trustee with the consent
      of
      the NIM Insurer and the Holders of each Class of Certificates affected thereby
      evidencing not less than 51% of the Voting Rights of such Class for the purpose
      of adding any provisions to or changing in any manner or eliminating any of
      the
      provisions of the Pooling and Servicing Agreement or of modifying in any manner
      the rights of the Holders of Certificates; provided, however, that
      no such amendment shall reduce in any manner the amount of, or delay the timing
      of, payments required to be distributed on any Certificate without the consent
      of the Holder of such Certificate.

     

    WHEREAS,
      the Class 1-M-1, Class 2-M-1, Class 1-M-2, Class 2-M-2, Class 1-M-3 and Class
      2-M-3 Certificates are the only Classes of Certificates affected by the
      Amendment;

     

    WHEREAS,
      each Depository Participant representing in the aggregate a Percentage Interest
      of not less than 100% of the Class 1-M-1, Class 2-M-1, Class 1-M-2, Class 2-M-2,
      Class 1-M-3 and Class 2-M-3 Certificates, in each case acting (i) pursuant
      to
      authority conferred upon them by The Depository Trust Company (“DTC”) as of
      September 6, 2007, as the Holder of such Certificates, and (ii) in accordance
      with direction received from either (a) the Certificate Owners of such
      Certificates or (b) one or more financial intermediaries acting at the direction
      of the Certificate Owners of such Certificates, have consented to the adoption
      of the Amendment (a signed original of the action of each such Depository
      Participant being attached hereto as Exhibits A through F),

     

    
      
        
        

      

      
        1

        
          

        

      

      
        
        

      

    

     

    WHEREAS,
      the Underwriter has provided an officer’s certificate, a copy of which is
      attached hereto as Exhibit G, certifying that the Underwriter intended for
      the
      Original Certificate Principal Balances of the Class 1-M-1, Class 2-M-1, Class
      1-M-2, Class 2-M-2, Class 1-M-3 and Class 2-M-3 Certificates to be as set forth
      in Section 2 hereof;

     

    WHEREAS,
      no notes backed or secured by the Class C or Class P Certificates have been
      issued, and accordingly there is no NIM Insurer whose consent is required;
      and

     

    WHEREAS,
      the Depositor has delivered to the Trustee an Opinion of Counsel in accordance
      with the provisions of the Pooling and Servicing Agreement;

     

    NOW,
      THEREFORE, the parties hereto agree as follows:

     

    SECTION
      1.      Defined
      terms.

     

    For
      purposes of this Amendment, unless the context clearly requires otherwise,
      all
      capitalized terms which are used but not otherwise defined herein shall have
      the
      respective meanings assigned to such terms in the Pooling and Servicing
      Agreement.

     

    SECTION
      2.      The
      Amendment.

     

    The
      Original Certificate Principal Balances of the Class 1-M-1, Class 2-M-1, Class
      1-M-2, Class 2-M-2, Class 1-M-3 and Class 2-M-3 Certificates as set forth in
      (i)
      the table appearing in the section captioned “MASTER REMIC” in the Preliminary
      Statement to the Pooling and Servicing Agreement and (ii) the table appearing
      in
      Section 5.01 of the Pooling and Servicing Agreement are revised to be
      $17,953,000, $18,547,000, $11,849,000, $12,241,000, $31,956,000 and $33,013,000,
      respectively.

     

    SECTION
      3.  Effect
      Of Amendment.

     

    Upon
      execution of this Amendment, the Pooling and Servicing Agreement shall be,
      and
      be deemed to be, modified and amended in accordance herewith and the respective
      rights, limitations, obligations, duties, liabilities and immunities of the
      Depositor, the Sellers, the Master Servicer and the Trustee shall hereafter
      be
      determined, exercised and enforced subject in all respects to such modifications
      and amendments, and all the terms and conditions of this Amendment shall be
      and
      be deemed to be part of the terms and conditions of the Pooling and Servicing
      Agreement for any and all purposes.  Except as modified and expressly
      amended by this Amendment, the Pooling and Servicing Agreement is in all
      respects ratified and confirmed, and all the terms, provisions and conditions
      thereof shall be and remain in full force and effect.

     

    SECTION
      4.      Binding
      Effect.

     

    The
      provisions of this Amendment shall be binding upon and inure to the benefit
      of
      the respective successors and assigns of the parties hereto, and all such
      provisions shall inure to the benefit of the Trustee and the
      Certificateholders.

     

    
      
        
        

      

      
        2

        
          

        

      

      
        
        

      

    

     

    SECTION
      5.      Governing
      Law.

     

    THIS
      AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE SUBSTANTIVE
      LAWS OF THE STATE OF NEW YORK APPLICABLE TO AGREEMENTS MADE AND TO BE PERFORMED
      IN THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES
      HERETO AND THE CERTIFICATEHOLDERS SHALL BE DETERMINED IN ACCORDANCE WITH SUCH
      LAWS.

     

    SECTION
      6.  Severability
      of Provisions.

     

    If
      any
      one or more of the provisions or terms of this Amendment shall be for any reason
      whatsoever held invalid, then such provisions or terms shall be deemed severable
      from the remaining provisions or terms of this Amendment and shall in no way
      affect the validity or enforceability of the other provisions or terms of this
      Amendment or of the Certificates or the rights of the Holders
      thereof.

     

    SECTION
      7.  Section
      Headings.

     

    The
      section headings herein are for convenience of reference only, and shall not
      limit or otherwise affect the meaning hereof.

     

    SECTION
      8.  Counterparts.

     

    This
      Amendment may be executed in several counterparts, each of which shall be an
      original and all of which shall constitute but one and the same
      instrument.

    
       

      
        
          
          

        

        
          3

          
            

          

        

        
          
          

        

      

    

    IN
      WITNESS WHEREOF, the Depositor, the Sellers, the Master Servicer and the Trustee
      have caused this Amendment to be duly executed by their respective officers
      thereunto duly authorized, all as of the day and year first above
      written.

     

    
       

      
        	 	
                CWABS,
                  INC.,

                as
                  Depositor

              	 
	 	 	 	 
	
                 

              	
                By:
                  

              	/s/ Darren
                Bigby	 
	 	 	Name: Darren
                Bigby	 
	 	 	Title: Executive
                Vice
                President 	 
	 	 	 	 

      

       

      
         

        
          	 	
                  COUNTRYWIDE
                    HOME LOANS, INC.,

                  
                    as
                      a Seller

                  

                	 
	 	 	 	 
	
                   

                	
                  By:
                    

                	/s/ Darren
                  Bigby	 
	 	 	Name: Darren
                  Bigby	 
	 	 	Title: Executive
                  Vice
                  President 	 
	 	 	 	 

        

         

        
           

          
            	 	
                    PARK
                      MONACO INC.,

                    
                      as
                        a Seller

                    

                  	 
	 	 	 	 
	
                     

                  	
                    By:
                      

                  	/s/ Darren
                    Bigby	 
	 	 	Name: Darren
                    Bigby	 
	 	 	Title: Executive
                    Vice
                    President 	 
	 	 	 	 

          

           

          
             

            
              	 	
                      PARK
                        SIENNA LLC,

                      
                        as
                          a Seller

                      

                    	 
	 	 	 	 
	
                       

                    	
                      By:
                        

                    	/s/ Darren
                      Bigby	 
	 	 	Name:  Darren
                      Bigby	 
	 	 	Title: Executive
                      Vice
                      President 	 
	 	 	 	 

            

             

             

            
              
                
                

              

              
                4

                
                  

                

              

              
                
                

              

            

             

            
               

              
                	 	
                        COUNTRYWIDE
                          HOME LOANS SERVICING LP,

                        
                          as
                            Master Servicer

                        

                      	 
	 	 	 	 
	 	By:	COUNTRYWIDE
                        GP, INC.	 
	 	 	 	 
	
                         

                      	
                        By:
                          

                      	/s/  Darren
                        Bigby	 
	 	 	Name:  Darren
                        Bigby	 
	 	 	Title: Executive
                        Vice
                        President 	 
	 	 	 	 

              

               

              
                 

                
                  	 	
                          THE
                            BANK OF NEW YORK,

                          
                            as
                              Trustee

                          

                        	 
	 	 	 	 
	
                           

                        	
                          By:
                            

                        	/s/ William
                          Herrmann	 
	 	 	Name: William
                          Herrmann	 
	 	 	Title: Assistant
                          Treasurer	 
	 	 	 	 

                

                 

                
                  
                    
                    

                  

                  
                    5

                    
                      

                    

                  

                  
                    
                    

                  

                

                 

              

            

          

        

      

    

    Exhibit
      A

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT

    OF
      CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12,

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12, CLASS 1-M-1

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

       

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT OF

    CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12,

    CLASS
      1-M-1

    

    

     

    To:  The
      Bank of New York, as Trustee

     

    The
      undersigned is the Depository Participant of $12,410,000 (original principal
      amount) of CWABS Asset-Backed Certificates Trust 2007-12, Asset-Backed
      Certificates, Series 2007-12, Class 1-M-1 as of September 6, 2007.

     

    The
      undersigned hereby consents to the adoption of Amendment No. 1 (the “Amendment”)
      to the Pooling and Servicing Agreement, dated as of August 1, 2007 (the “Pooling
      and Servicing Agreement”), among CWABS, Inc., as depositor, Countrywide Home
      Loans, Inc., as a seller, Park Monaco Inc., as a seller, Park Sienna LLC, as
      a
      seller, Countrywide Home Loans Servicing LP, as master servicer, and The Bank
      of
      New York, as trustee, which Amendment is substantially in the form attached
      hereto.

     

    Capitalized
      terms used herein and not defined herein shall have the meanings assigned
      thereto in the Pooling and Servicing Agreement.

     

    IN
      WITNESS WHEREOF, the undersigned has caused this consent to be executed by
      its
      authorized signatory this 11th day of
      September,
      2007.

     

    
      
        	
                 

              	
                    Fannie
                  Mae

              	 
	 	Name
                of Depository Participant	 
	 	 	 
	 	 	 
	 	
                2296

              	 
	 	Depository
                Participant Number	 
	 	 	 
	 	 	 
	
                 

              	By:	 
                /s/  Stephen Shen	 
	 	 	Name:  
                Stephen Shen	 
	 	 	Title:    
                Vice President, Mortgage Trading	 
	 	 	 

      

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

       

      Exhibit
        B

    

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT

    OF
      CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12,

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12, CLASS 2-M-1

    

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT OF

    CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12,

    CLASS
      2-M-1

    

    

     

    To:  The
      Bank of New York, as Trustee

     

    The
      undersigned is the Depository Participant of $24,090,000 (original principal
      amount) of CWABS Asset-Backed Certificates Trust 2007-12, Asset-Backed
      Certificates, Series 2007-12, Class 2-M-1 as of September 6, 2007.

     

    The
      undersigned hereby consents to the adoption of Amendment No. 1 (the “Amendment”)
      to the Pooling and Servicing Agreement, dated as of August 1, 2007 (the “Pooling
      and Servicing Agreement”), among CWABS, Inc., as depositor, Countrywide Home
      Loans, Inc., as a seller, Park Monaco Inc., as a seller, Park Sienna LLC, as
      a
      seller, Countrywide Home Loans Servicing LP, as master servicer, and The Bank
      of
      New York, as trustee, which Amendment is substantially in the form attached
      hereto.

     

    Capitalized
      terms used herein and not defined herein shall have the meanings assigned
      thereto in the Pooling and Servicing Agreement.

     

    IN
      WITNESS WHEREOF, the undersigned has caused this consent to be executed by
      its
      authorized signatory this 10th day of September, 2007.

     

    
      
         

        
          
            	
                     

                  	
                    The
                      Bank of New York

                  	 
	 	Name
                    of Depository Participant	 
	 	 	 
	 	 	 
	 	    2337	 
	 	Depository
                    Participant Number	 
	 	 	 
	 	 	 
	
                     

                  	By:	 
                    /s/  Jack Vidaic	 
	 	 	Name:  
                    Jack Vidaic	 
	 	 	Title:    
                    Vice President	 
	 	 	 

          

           

           

          
            
              
              

            

            
              
              

              
                

              

            

            
              
              

            

          

        

      

    

    Exhibit
      C

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT

    OF
      CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12,

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12, CLASS 1-M-2

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT OF

    CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12,

    CLASS
      1-M-2

    

    

     

    To:  The
      Bank of New York, as Trustee

     

    The
      undersigned is the Depository Participant of $8,191,000 (original principal
      amount) of CWABS Asset-Backed Certificates Trust 2007-12, Asset-Backed
      Certificates, Series 2007-12, Class 1-M-2 as of September 6, 2007.

     

    The
      undersigned hereby consents to the adoption of Amendment No. 1 (the “Amendment”)
      to the Pooling and Servicing Agreement, dated as of August 1, 2007 (the “Pooling
      and Servicing Agreement”), among CWABS, Inc., as depositor, Countrywide Home
      Loans, Inc., as a seller, Park Monaco Inc., as a seller, Park Sienna LLC, as
      a
      seller, Countrywide Home Loans Servicing LP, as master servicer, and The Bank
      of
      New York, as trustee, which Amendment is substantially in the form attached
      hereto.

     

    Capitalized
      terms used herein and not defined herein shall have the meanings assigned
      thereto in the Pooling and Servicing Agreement.

     

    IN
      WITNESS WHEREOF, the undersigned has caused this consent to be executed by
      its
      authorized signatory this 10th day of
      September,
      2007.

     

    
      
        
          
            
              	
                       

                    	
                      The
                        Bank of New York

                    	 
	 	Name
                      of Depository Participant	 
	 	 	 
	 	 	 
	 	    2337	 
	 	Depository
                      Participant Number	 
	 	 	 
	 	 	 
	
                       

                    	By:	 
                      /s/  Jack Vidaic	 
	 	 	Name:  
                      Jack Vidaic	 
	 	 	Title:    
                      Vice President	 
	 	 	 

            

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

          

        

      

    

    Exhibit
      D

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT

    OF
      CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12,

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12, CLASS 2-M-2

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT OF

    CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12,

    CLASS
      2-M-2

    

    

     

    To:  The
      Bank of New York, as Trustee

     

    The
      undersigned is the Depository Participant of $15,899,000 (original principal
      amount) of CWABS Asset-Backed Certificates Trust 2007-12, Asset-Backed
      Certificates, Series 2007-12, Class 2-M-2 as of September 6, 2007.

     

    The
      undersigned hereby consents to the adoption of Amendment No. 1 (the “Amendment”)
      to the Pooling and Servicing Agreement, dated as of August 1, 2007 (the “Pooling
      and Servicing Agreement”), among CWABS, Inc., as depositor, Countrywide Home
      Loans, Inc., as a seller, Park Monaco Inc., as a seller, Park Sienna LLC, as
      a
      seller, Countrywide Home Loans Servicing LP, as master servicer, and The Bank
      of
      New York, as trustee, which Amendment is substantially in the form attached
      hereto.

     

    Capitalized
      terms used herein and not defined herein shall have the meanings assigned
      thereto in the Pooling and Servicing Agreement.

     

    IN
      WITNESS WHEREOF, the undersigned has caused this consent to be executed by
      its
      authorized signatory this 10th day of September, 2007.

     

    
       

      
        
           

          
            
              	
                       

                    	
                      The
                        Bank of New York

                    	 
	 	Name
                      of Depository Participant	 
	 	 	 
	 	 	 
	 	    2337	 
	 	Depository
                      Participant Number	 
	 	 	 
	 	 	 
	
                       

                    	By:	 
                      /s/  Jack Vidaic	 
	 	 	Name:  
                      Jack Vidaic	 
	 	 	Title:    
                      Vice President	 
	 	 	 

            

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

             

          

        

      

    

    Exhibit
      E

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT

    OF
      CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12,

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12, CLASS 1-M-3

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT OF

    CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12,

    CLASS
      1-M-3

    

    

     

    To:  The
      Bank of New York, as Trustee

     

    The
      undersigned is the Depository Participant of $22,089,000 (original principal
      amount) of CWABS Asset-Backed Certificates Trust 2007-12, Asset-Backed
      Certificates, Series 2007-12, Class 1-M-3 as of September 6, 2007.

     

    The
      undersigned hereby consents to the adoption of Amendment No. 1 (the “Amendment”)
      to the Pooling and Servicing Agreement, dated as of August 1, 2007 (the “Pooling
      and Servicing Agreement”), among CWABS, Inc., as depositor, Countrywide Home
      Loans, Inc., as a seller, Park Monaco Inc., as a seller, Park Sienna LLC, as
      a
      seller, Countrywide Home Loans Servicing LP, as master servicer, and The Bank
      of
      New York, as trustee, which Amendment is substantially in the form attached
      hereto.

     

    Capitalized
      terms used herein and not defined herein shall have the meanings assigned
      thereto in the Pooling and Servicing Agreement.

     

    IN
      WITNESS WHEREOF, the undersigned has caused this consent to be executed by
      its
      authorized signatory this 10th day of September, 2007.

     

    
       

      
        
           

          
            
              	
                       

                    	
                      The
                        Bank of New York

                    	 
	 	Name
                      of Depository Participant	 
	 	 	 
	 	 	 
	 	    2337	 
	 	Depository
                      Participant Number	 
	 	 	 
	 	 	 
	
                       

                    	By:	 
                      /s/  Jack Vidaic	 
	 	 	Name:  
                      Jack Vidaic	 
	 	 	Title:    
                      Vice President	 
	 	 	 

            

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

          

        

      

    

    Exhibit
      F

    

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT

    OF
      CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12,

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12, CLASS 2-M-3

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    WRITTEN
      CONSENT OF THE DEPOSITORY PARTICIPANT OF

    CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12,

    CLASS
      2-M-3

    

    

     

    To:  The
      Bank of New York, as Trustee

     

    The
      undersigned is the Depository Participant of $42,880,000 (original principal
      amount) of CWABS Asset-Backed Certificates Trust 2007-12, Asset-Backed
      Certificates, Series 2007-12, Class 2-M-3 as of September 6, 2007.

     

    The
      undersigned hereby consents to the adoption of Amendment No. 1 (the “Amendment”)
      to the Pooling and Servicing Agreement, dated as of August 1, 2007 (the “Pooling
      and Servicing Agreement”), among CWABS, Inc., as depositor, Countrywide Home
      Loans, Inc., as a seller, Park Monaco Inc., as a seller, Park Sienna LLC, as
      a
      seller, Countrywide Home Loans Servicing LP, as master servicer, and The Bank
      of
      New York, as trustee, which Amendment is substantially in the form attached
      hereto.

     

    Capitalized
      terms used herein and not defined herein shall have the meanings assigned
      thereto in the Pooling and Servicing Agreement.

     

    IN
      WITNESS WHEREOF, the undersigned has caused this consent to be executed by
      its
      authorized signatory this 10th day of September, 2007.

     

    
       

      
        
           

          
            
              	
                       

                    	
                      The
                        Bank of New York

                    	 
	 	Name
                      of Depository Participant	 
	 	 	 
	 	 	 
	 	    2337	 
	 	Depository
                      Participant Number	 
	 	 	 
	 	 	 
	
                       

                    	By:	 
                      /s/  Jack Vidaic	 
	 	 	Name:  
                      Jack Vidaic	 
	 	 	Title:    
                      Vice President	 
	 	 	 

            

             

            
              
                
                

              

              
                
                

                
                  

                

              

              
                
                

              

            

          

        

      

    

     

    Exhibit
      G

     

    OFFICER’S
      CERTIFICATE OF THE UNDERWRITER

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    COUNTRYWIDE
      SECURITIES CORPORATION

     

    CWABS
      ASSET-BACKED CERTIFICATES TRUST 2007-12

    ASSET-BACKED
      CERTIFICATES, SERIES 2007-12

     

    Officer’s
      Certificate

     

    I,
      the
      undersigned, a duly appointed Managing Director of Countrywide Securities
      Corporation (“CSC”), in connection with the above-referenced transaction and the
      related pooling and servicing agreement dated as of August 1, 2007 (the “Pooling
      and Servicing Agreement”) among CWABS, INC., as Depositor, COUNTRYWIDE HOME
      LOANS, INC., as a seller, PARK MONACO INC., as a seller, PARK SIENNA LLC, as
      a
      seller, COUNTRYWIDE HOME LOANS SERVICING LP, as Master Servicer and THE BANK
      OF
      NEW YORK, as Trustee, hereby certify as follows:

     

    1.           CSC
      was the underwriter of the above-referenced transaction and provided structuring
      direction for the transaction.

     

    2.           CSC
      intended to structure the transaction so that the Original Certificate Principal
      Balances of the Class 1-M-1, Class 2-M-1, Class 1-M-2, Class 2-M-2, Class 1-M-3
      and Class 2-M-3 Certificates would be certain amounts.

     

    3.           Due
      to a mistake of CSC, the transaction was structured so that the Original
      Certificate Principal Balances of the Class 1-M-1, Class 2-M-1, Class 1-M-2,
      Class 2-M-2, Class 1-M-3 and Class 2-M-3 Certificates were incorrect
      amounts.

     

    4.           CSC
      has requested that the Pooling and Servicing Agreement be amended to cure the
      mistake and reflect the intended structure by revising the Original Certificate
      Principal Balances of the Class 1-M-1, Class 2-M-1, Class 1-M-2, Class 2-M-2,
      Class 1-M-3 and Class 2-M-3 Certificates to be $17,953,000, $18,547,000,
      $11,849,000, $12,241,000, $31,956,000 and $33,013,000,
      respectively.

     

    Capitalized
      terms used but not otherwise defined herein shall have the meanings assigned
      thereto in the Pooling and Servicing Agreement.

     

    IN
      WITNESS WHEREOF, I have hereunto signed my name as of the 11th day of September,
      2007.

     

    
      	 	COUNTRYWIDE
              SECURITIES
              CORPORATION	 
	 	 	 	 
	
               

            	
              By:
                

            	/s/ Michael
              Schloessmann	 
	 	Name: 
Michael
              Schloessmann	 
	 	Title:   
Managing
              Director

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00129-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00129-of-00352.parquet"}]]