This policy does not insure that any fence currently located or in use is on the boundary line or that the fence represents the boundary line(s).

Overhead and underground utility line easements as may currently exist and rights of utility companies to use and maintain said lines.

Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the Public Records or attaching subsequent to the Effective Date hereof but prior to the date the Proposed Insured acquires for value of record the estate or interest or Mortgage thereon covered by this Commitment.

Rights or claims of parties in possession not recorded in the Public Records.

The following matters that would be disclosed by an accurate and complete land survey of the land: (a) a dispute over the proper location of a boundary line for the land; (b) a claim that there is an overlap between the descriptions of the Land and another parcel; (c) a claim of adverse possession or prescriptive easement in the Land; (d) the encroachment of a structure owned by another onto the Land, or of a structure attached to the Land that encroaches onto adjoining land; or (e) a dispute over the area or acreage of the Land, including any dispute about whether or not the Land contains the area, acreage or distances recited in Schedule A of this policy or in any conveyance, survey or map of the Land.

Easements or claims of easements, not recorded in the Public Records.

Any lien, or right to a lien, for services, labor or material furnished, imposed by law and not recorded in the Public Records.

NOTE: The Company will NOT INSURE that any charges for water bills, weed, grass, garbage and debris removal, municipal hook up or any other fees imposed by the municipality have been paid.

This Commitment was prepared from the public records. The Abstract was not furnished to the Company for examination. The Abstract is not in the possession of the Company.