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Lawyers Title Insurance Company COMMITMENT SCHEDULE B-II Exceptions Commitment No.: 88779 Schedule B of the policy to be issued will contain exceptions to the following matters unless the same are disposed of to the satisfaction of the Company. 1. If an owner's policy is to be issued, the mortgage encumbrance, if any, created as part of the purchase transaction. 2. 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. 3. Rights or claims of parties in possession not shown by the public records. 4. Encroachments, overlaps, boundary line disputes, and any other matters which would be disclosed by an accurate survey and inspection of the premises. 5. Easements or claims of easements not shown by the public records. 6. Any lien, or right to a lien, for services, labor or material heretofore or hereafter furnished, imposed by law and not shown by the public records. 7. Taxes or special assessments which are not shown as existing liens by the public records. 8. General and special taxes and assessments as hereafter listed, if any (all amounts shown being exclusive of interest, penalties and costs. 9. The lien of all taxes and assessments for the year 2003 and all subsequent years. 10. City of University City General and Special taxes being examined. 11. Proper satisfaction and release of Deed of Trust executed by Timothy P. Kerwin and Susan L. Crisman, husband and wife to Ernest W. Declue trustee for Source One Mortgage Services Corp. dated September 29, 1993 and recorded October 4, 1993 in Book 9904, Page 1226, securing $44,500.00 and interest evidenced by one note payable as set forth in said note. 12. Assignment to Capstead Inc., a Delaware corporation in Book 10764, Page 1465 recorded on March 12, 1996. Affects Book 9904, Page 1226. 13. Assignment to GMAC Mortgage Corporation in Book 12047, Page 2064 recorded on March 30,1999. Affects Book 9904, Page 1226. 14. In the event that Timothy P. Kerwin joint tenant of Susan L. Crisman is deceased, furnish this company with an affidavit as to Joint Tenancy as to his death. 15. Easement granted to Union Electric Co. as recorded in Book 1128, Page 439 of the St. Louis County Records. commitment is invalid unless the Insuring Provisions and Schedules A and B are attached. This Schedule B2 consists of 2 page(s)