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SCHEDULE 8 This polity does not insure against loss or damage(and the Company will not pay costs.attorneys'lees or expenses)which arise by reason of: 1. Taxes or assessments which are not shown as visiting liens by the retards of any fahung aulhaily that levies races of assessments on real properly or by the public records. 2. Arty facts,rights,interests.or claims which are not shown by the public records but which could be ascertained by an inspection of said Land Or by making inquiry of persons in possession thereof, 3. Easements.dams of easement a encumbrances which are nor shown by the public records. 4. Discrepancies,conflicts in boundary lines,shortage in area,encroachments,or any other fads which a correct survey would disclose,and which are not shown by public records. 5. Unpatented mining claims;reservation¢or exceptions in palents of in Acts authorizing the issuance thereof;water rights,claims or title to water. 6. Any lien,or right to a lien,for services,labor or material therelolore or herealla furnished,imposed by law and not shown by tie public records. B.AMERICAN LAND TITLE ASSOCIATION OWNER'S POLICY•1992 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded Item the coverage of this policy and the Company will not pay loss or damage,costs,attorneys'lees or expenses which arise by reason of: t (a) Any law,ordinance or governmental egulalion(including but not limited to building aM zoning laws,ordinances,or regulations)restricting,regulating,prohibiting or relating to(I)the occupancy,use,a enjoyment of fie two;(ii)the character•dimensions or location of any improvement now a hereafter meted On the land;(iii)a separation in ownership or a change in the dimensions or area of the Ind or any pence]of which the land is or was a part or(iv)environmental promotion,Or the effect of arty violation of these laws.Ordinances or governmental regulations,except to the extent that a notice of the enforcement thereof Or a toric¢of a defect,lien or aoumbrence resulting Irom a violation or alleged violation affecting the land has been recorded In the public records at Date of Policy. (b) Any govemmenfal police point not excluded by(a)above except to the extent that a notice of the exercise thereof or a notice of a defect,lien or encumbrance resulting hem a violation or alleged violation atecbng the land has been recorded in the public records at Date of Policy. 2. Rights of eminent domain ueess notice of the exercise thereof has been recorded in the public records at Date of Policy,but not excluding Irom coverage any taking which has Occured prior to Oak of Policy which would be binding on the rights of a purchaser for value without knowledge. 3. Detects,liens.encumbrances,adverse claims or other marine (a) created,suffered,assumed or agreed to by the insured claimant; (b) not known to the Company,not recorded in the public records at Dale of Policy,but lam to the Insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured clamant became an insured under this policy; - - (c) resulting in no foss or damage to the inured claimant; (d) al lhing or created subsequent to Date of Policy;or (e) resulting in loss or damage which would not have been sustained If the insured claimant had paid value for the estate or interest insured by this policy. 4. Any claim•which arises out of the Iensaclion vesting in the Insured the estate or interest insured by this policy by reason of the operation of federal bankruptcy,stale Insolvency,or similar creditors rights Laws, that is based on: (O the t aansaclien creating me estate or interest insured by this policy being deemed a Iri udulent conveyance Or haudulent transfer;Or (ii) the Uansaclion pealing the estate a imereul insured by this policy being deemed a preferential transfer except where the prefaemlat transfer results from the failure: (a) to timely record the instrument of transfer;or (b) of such recordation to impart notice to a purchaser far value or a judgment or hien creditor. 9. AMERICAN LAND TITLE ASSOCIATION OWNER'S POLICY-1992 WITH REGIONAL EXCEPTIONS When Our American land Title Association policy is used as a Standard Coverage Policy and not as an EAended Coverage Policy the exclusions set kill in parograph.8 above are used and the following exceplions to coverage appear in Ire policy. SCHEDULE 8 This policy does not insure against loss or damage(and the Company will not pay costs,attorneys'fees or expenses)which arise by neon of: Pad One: 1. Taxes or aeseeemenls which are not shown as existing liens by The records of any faring authority that levies Woes or assessments on real property or by the public records. 2. Any facts,rights.Interests•of claims which are not snow by the public records but which could be wimilained by an inspection of said land or by making inquiry of persons in possession thereof. 3. Easements.claims of easement or enwmbrances which are not shown by the public records. 4. Discrepancies,conflicts in boundary lines,shortage in area,encroechmerte,or any other facts which a correct survey would disclose,and which are not shown by public records. 5. Unpalented mining claims.reservations or exceptions In parents or In Acts authorizing the Issuance thereof;water rights,claims or title to water. _. 6. Any lien,Or right to a lien,for services,labor a material theretofore or hereafter furnished,imposed by law and Out shown by the public records. 10. AMERICAN LAND TITLE ASSOCIATION RESIDENTIAL TITLE INSURANCE POLICY- 1987 EXCLUSIONS In Winton to the Exceptions in Schedule B,you are not insured against lass,casts,attorneys'lees and expenses resulting from: 1. Governmental police power.and the existence or violalion of any Yaw or government regulation.This includes building and zoning Ordinances and else Laws and regulations conaaning: • land use • land division • improvements on the IoM • enyxinmenfal proleclion This exclusion does not apply to violations a the embeemenl of these maters which appear in the public records at Policy Dale. This exclusion does not limit the zoning coverage described In Items 12 and 13 at Covered ire Risks. 2. The right to take the land by condmading it,unless: • a notice of exorcising tial right appears in the public records on the Policy Date • the laking happened prior to the Policy Dale and is binding On you if you bought the land without funding of the taking. 3, Title Risks: • thal are sealed,allowed.or agreed to by you • that are known to you,but not 10 us.on the Policy Dale-unless they appeared in the public records • trial result in no loss to YOU • that first affect your title after th Policy Dale-this does not limit Ire labor and material lien coverage in Item 8 of Covered Title Risks 4. Failure to pay value fa your the. 5. lack of a right: • to any land exude the area specifically described and refuted to in hem 3 of Schedule A.or • in streets,alleys,or waterways gal touch your land Form w.106&1 fae,.lo/zw/az) This exclusion does not limit the access coverage in Item 5 of Covered Title Risks. P i,.W b 611-1 0 10/17/d