Schedule A to Windermere Golf and Country Club the

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					                                          Schedule “A” to
                                  Windermere Golf and Country Club
                                            (the “Club”)
                                   2008 Shareholder Registration

                             Personal Property and Golf Cart Usage Policy

       The Club does not carry insurance against any loss or damage to a member’s (or guest’s)
personal property. This includes golf clubs or electronic golf carts stored at the Club and other personal
property situated in a member’s locker or elsewhere. While such coverage is available your Board has
determined that it is prohibitively expensive.

       Any member who operates or utilizes a power golf cart owned, leased or rented by the Club (a
“Club Cart”) is responsible for any loss, cost, damage or expense incurred by the Club and caused in
any manner by that member, guest or dependent of that member, in such operation or utilization.

        Insurance coverage carried by members to protect against such losses likely includes a provision
that enables the insurance carrier to institute legal proceedings against any third party responsible at
law for such loss. Third parties may include the Club or another member of the Club.

        Your Board is of the view that, except in cases where a loss, cost, damage or expense (hereafter a
“Cost) is directly caused by the gross negligence of the Club or any of its directors, officers or
employees, any Cost associated with the loss of or damage to a member’s personal property or any Cost
resulting from a member’s, guest’s or dependent’s operation or utilization of a Club Cart should be
borne by the member and not the Club, thereby resulting in increased fees for all members.

       As a consequence of the foregoing the following has been approved by your Board as a
condition of membership in the Club:

Acknowledgements:

      Each member of the Club, whether a shareholder, spousal or associate member, hereby
acknowledges and agrees that:

              a. any personal property located or stored on Club property is entirely at the risk of the
                 owner of such personal property; and

              b. each shareholder, spousal or associate member is responsible for and shall indemnify
                 and save the Club harmless from any Cost resulting from such member’s authorized
                 or unauthorized operation or utilization of any Club Cart.

These acknowledgements extend to any loss of or damage to the personal property of any guest of a
member or Shareholder’s or Associate’s Dependent (as determined by the Club) and any Cost resulting
from the authorized or unauthorized use of a Club Cart by such guest or dependent.

Indemnity:

       As a condition of membership in the Club, each shareholder, spousal or associate member on
their own behalf (and on behalf of any of their guests and dependents) hereby indemnifies and saves the
Club and its directors, officers and employees (and their respective heirs, executors, administrators,
successors and assigns) harmless from any Cost relating to the loss of or damage to the personal
property, located or stored on Club property, of such shareholder, member, dependent or guest and any
Cost arising out of such shareholder’s, member’s, dependent’s or guests operation or utilization of any
Club Cart.

        This indemnity and hold harmless provision shall be effective on payment of the shareholder,
spousal associate or dependent’s annual fees and shall survive termination of membership in the Club
but shall not extend to any Cost directly resulting from the gross negligence of the Club or any of its
directors, officers or employees.