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f . M <br /> Agent's File No : 41078573 <br /> Policy No : 0XFL-08111136 <br /> SCHEDULE B <br /> This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) <br /> which arise by reason of. <br /> GENERAL EXCEPTIONS : <br /> 1 . (a) Any encroachment, encumbrance, violation, variation, or adverse circumstances affecting the Title that <br /> would be disclosed by an accurate and complete land survey of the Land . The term "encroachment" includes <br /> encroachments of existing improvements located on the Land onto adjoining land, and encroachments on the Land <br /> of the existing improvements located on adjoining land. <br /> (b) Easements, or claims of easements, not shown by the public records. <br /> (c) If the land described herein abuts a river, lake, stream or other waterway M-- the nature and extent of riparian <br /> and/or littoral rights, title to any portion of the land which is submerged, title to any portion below the mean high water <br /> mark of a tidal waterway, and title to any portion which consists of " filled-in lands " ; and/or any claim that any portion <br /> of said lands are sovereign lands of the State of Florida. <br /> (d) Taxes or special assessments which are not shown as existing liens by the public records . <br /> SPECIAL EXCEPTIONS : <br /> 2 . The mortgage referred to in item 2 of Schedule A hereof, if any. <br /> 3 . General and special real property taxes and assessments for tax year 2012 and subsequent years . <br /> 4 . Easement in favor of the City of Vero Beach for utility purposes , according to instrument <br /> recorded in O. R. Book 672, at Page 1777. <br /> 5. Ditches , canals and road rights of way (if any), as reserved or described on the plat of <br /> INDIAN RIVER FARMS COMPANY, as recorded in Plat Book 2, at Page 25, of the Public <br /> Records of St. Lucie County, Florida. <br /> In accordance with Title 42 United States Code, Section 3604, any covenants, conditions or restrictions referred to <br /> herein, which indicate arty preference, limitation or discrimination based on race, color, religion, sex, handicap, familial <br /> status or national origin, are hereby deleted. <br /> Poll - Policy Insert Page 3 <br />