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Agent's File No: 45081401 <br />Policy No: OP -25 -FL 13 94-4216606 <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 --- 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 2015 and subsequent years. <br />4. Restrictions, reservations, setbacks and easements, if any, as indicated and/or shown on that <br />certain Plat recorded in Plat Book 2, at Page(s) 99, of the Public Records of Indian River <br />County, Florida. <br />5. Subject to Warranty Deed recorded in Official Records Book 1094, Page 314, of the Public <br />Records of Indian River County, Florida. <br />6. Riparian rights and littoral rights, if any, incident to the land. <br />Poll - Policy Insert Page 3 <br />