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Exhibit B <br /> <br /> d) <br /> e) <br /> <br /> to statutory water rights, including riparian rights, or <br /> <br /> to the area extending fi:om the line of mean low tide to the line of vegetation, <br /> or the rights of access to that area or easement along and across that area. <br /> <br />Standby fees, taxes and assessments by any taxing authority for the year 2002 and subsequent <br />years, and subsequent taxes and assessments by any taxing authority for prior years due to <br />change in land usage or ownership, but not those taxes or assessments for prior years because <br />of an exemption granted to a previous owner or the property under Section 11.13 Texas Tax <br />Code, or because of improvements not assessed for a previous tax year. <br /> <br />The terms and conditions of documents creating your interest in the land. <br /> <br />Materials furnished or labor performed in connection with planned construction before signing <br />and delivering the lien document, if the land is part of the homestead of the owner. <br /> <br />Liens and leases that affect the title to the land, but that are subordinate to the lien of the <br />insured mortgage. <br /> <br />The following matters and all terms of the documents creating or offering evidence of matters: <br /> <br /> a) Rights of Parties in Possession. <br /> <br />Grantor, for the consideration and subject to the reservations from and exceptions to conveyance and <br />warranty, grants, sells, and conveys to Grantee the Property, together with all and singular the rights <br />and appurtenances thereto in any wise belonging, to have and to hold it to Grantee, Grantee ~ s <br />successors or assigns forever. Grantor binds Grantor and Grantor ' s heirs, executors, administrators <br />and successors to warrant and forever defend all and singular the property to Grantee and Grantee ' s <br />successors and assigns against every person whomever lawfully claiming or to claim the same or any <br />part thereof, by, through, or under Grantor, but not otherwise, except as to the reservations fi:om and <br />exceptions to conveyance and warranty. <br /> <br />When the context requires, singular nouns and pronouns include the plural. <br /> <br />WITNESS OUR HANDS, this the day of <br /> <br />2002. <br /> <br />Michael D. Hugman <br /> <br /> <br />