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Owner 's Policy Issued By . Title Resources Guaranty Company Schedule B File No . : 0040 . 0000011 Policy No . : 86709-007869 EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage, and the Company will not pay costs , attorneys' fees , or expenses that arise by reason of: 1 . Any rights , interests , or claims of parties in possession of the Land not shown by the Public Records . 2 . Any encroachment, encumbrance, violation , variation , or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land . The term " encroachment" includes encroachments of existing improvements located on the Land onto adjoining land , and encroachments on the Land of existing improvements located on adjoining land . 3 . Easements or claims of easements not shown by the Public Records , 4 . Any lien , or right to a lien , for services , labor or materials in connection with improvements, repairs or renovations provided before, on , or after Date of Policy, not shown by the Public Records . 5 . Any dispute as to the boundaries caused by a change in the location of any water body within or adjacent to the Land prior to Date of Policy, and any adverse claim to all or part of the Land that is , at Date of Policy, or was previously, under water. 6 . Taxes or special assessments not shown as liens in the Public Records or in the records of the local tax collecting authority, at Date of Policy. 7 . Any minerals or mineral rights leased, granted or retained by current or prior owner. 8 . Taxes and assessments for the year 2012 , and subsequent years, which are not yet due and payable . 9 . Any lien as provided for by Chapter 159, Florida Statutes, in favor of any city, town, village or port authority for unpaid service charges for service by any water, sewer, or gas systems supplying the lands described herein . (Owner's Policy only ) 10 . Rights of property owners whose property abuts Blue Cypress Lake in and to the bed or submerged portions thereof; also, any rights of those owners to use said Blue Cypress Lake for boating, fishing or other recreational purpose, drainage or common purposes . 11 . This commitment or policy does not insure the nature or extent of riparian or littoral rights . 12 . Any claim to any portion of the property described in Schedule " A " which lies below the ordinary high water line of Blue Cypress Lake and other adjacent waters , if any . 13 . Notwithstanding any other insuring clauses contained herein , this commitment or policy DOES NOT insure ingress and egress . 14 . Items 1 , 4 , 6 , 7 and 9 are hereby deleted in their entirety . NOTES FOR INFORMATIONAL PURPOSES ONLY , All recording information contained herein refers to the Public Records of Indian River County , Florida , unless otherwise indicated . Any reference herein to a Book and Page is a reference to the Official Records Books of said county , unless indicated to the contrary . TRGC Form No . : 6709SchedulesA-B ALTA Owner's Policy ofTitle Insurance 6/ 17/06 Schedules (05/ 11 Disp)aySoft 83-WIN-FL-OWNB-06)