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					 STATE OF SOUTH CAROLINA                            DECLARATION OF COVENANTS,
                                                    CONDITIONS AND RESTRICTIONS
 COUNTY OF RICHLAND                                 APPLICABLE TO EMERALD LAKE AT
                                                    REFLECTIONS HOMEOWNERS
                                                    ASSOCIATION, INC.



THIS DECLARATION, made this 15th day of July, 1984, by ENVIRONMENTAL
RESORTS, INCORPORATED, hereinafter referred to as “Declarant.”

                                        WITNESSETH:

WHEREAS, Declarant is the Owner of certain property near Columbia, County of Richland,
State of South Carolina, which is more particularly described on Exhibit A attached hereto;
and

WHEREAS, Declarant has deemed it desirable, for the efficient preservation of the values
and amenities in said community, to create an agency to which should be delegated and
assigned the powers of maintaining and administering the common properties and facilities
and administering and enforcing the covenants and restrictions and collecting and disbursing
the assessments and charges hereinafter created; and,

WHEREAS, Declarant has incorporated under the laws of the State of South Carolina as a
nonprofit corporation, Emerald Lake at Reflections Homeowners Association, Inc. For the
purpose of exercising the functions aforesaid;

NOW, THEREFORE, Declarant hereby declares that all of the properties described are and
shall be held, sold and conveyed subject to the following easements, restrictions, covenants
and conditions which are for the purpose of protecting the value and desirability of, and
which shall run with, the real property and be binding on all parties having any right, title or
interest in the described properties or any part thereof, their heirs, successors and assigns, and
shall inure to the benefit of each Owner thereof.

                                         ARTICLE I
                                        DEFINITIONS

Section 1.1: "Articles" shall mean the Articles of Incorporation of the Association as said
Articles are amended from time to time.

Section 1.2: "Association" shall mean and refer to Emerald Lake at Reflections Homeowners
Association, Inc., a South Carolina nonprofit corporation, its successors and assigns.

Section 1.3: "Board" shall mean the Board of Directors of the Association.

Section 1.4: "By-laws" shall mean the By-Laws of the Association as such By-Laws may be
amended from time to time.

Section 1.5: "Declarant" shall mean and refer to Environmental Resorts, Incorporated, as
heretofore referred to, its successors and assigns.

Section 1.6: "Declaration" or "this Declaration" shall mean and refer to this Declaration of
Covenants, Conditions and Restrictions as the same may be amended from time to time.

Section 1.7: "Improvements" shall mean buildings, garages, carports, roads, driveways,
walkways, parking areas, fences, mail boxes, walls, covered patios, porches, elevated
porches, sun decks, balconies, utilities, swimming pools, drainage facilities, hedges,
plantings, planted trees and shrubs and all other structures or landscaping improvements of
every kind, nature and description.


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Section 1.8: "Lands" shall refer to any land and improvements thereon erected that does not
constitute a Lot and which is located within the boundaries of the Properties.

Section 1.9: "Common Area" shall mean all real property which is deeded to the Association
and designated as "Common Area," including the Lift Station Facilities. The Common Area
to be owned by the Association at the time of the conveyance of the first lot is described on
Exhibit B attached hereto. [Conveyed to the City of Columbia June 2, 1999.]

Section 1.10: "Lot" shall mean and refer to any plot of land shown upon any recorded
subdivision map of the Properties with the exception of the Common Area.

Section 1.11: "Owner" shall mean and refer to the record owner (including the Declarant),
whether one or more persons or entities, of a fee simple title to any Lot including contract
sellers, but excluding those having such interest merely as security for the performance of an
obligation.

Section 1.12: "Properties" shall mean and refer to that certain real property described in this
Declaration and such other real property as may from time to time be added thereto and
subjected to this Declaration as the same may be amended from time to time.

Section 1.13: "Plat" shall mean and refer to that certain plat dated April 9, 1985, and
prepared by Cox & Dinkins entitled "Reflections, Section 5" and recorded in the Office of
the Clerk of Court for Richland County in Plat Book 50 at Page 4164.

Section 1.14: "Reflections' Amenities" shall mean and refer to the swimming pool,
clubhouse, tennis courts and lakes and gates owned by Reflections Owners Association, Inc.
(Revised by Agreement 2/27/2006, effective January 1, 2006)

Section 1.15: "Reflections Development" shall mean and refer to the planned community
located in Richland County, South Carolina, which was developed by Environmental
Resorts, Incorporated, as "Reflections."

Section 1.16: "Lift Station Facilities" shall mean and refer to the Lift Station as shown on
the Plat, its pumps, mechanical parts, building, sewage pipes leading up to and away from the
station, as well as other equipment connected thereto.

                                       ARTICLE II
                                    PROPERTY RIGHTS

Section 2.1: Owners' Easements of Enjoyment. Every owner shall have a right and
easement of enjoyment in and to the Common Area which shall be appurtenant to and shall
pass with the title to every Lot, subject to the following provisions:

    (a) the right of the Association to charge reasonable admission and other fees for the use
of any recreational facility located upon the Common Area.

    (b) the right of the Association to suspend the voting rights and right to use of the
recreational facilities by an Owner for any period during which any assessment against his
Lot remains unpaid; and for a period not to exceed sixty (60) days for any infraction of its
published rules and regulations.

    (c) the right of the Association to dedicate or transfer all of any part of the Common
Area to any public agency, authority or utility for such purposes and subject to such
conditions as may be agreed to by the members. No such dedication or transfer shall be
effective unless an instrument signed by two-thirds (2/3) of each class of members agreeing
to such dedication or transfer has been recorded.

Section 2.2: Delegation of Use. Any Owner may delegate, in accordance with the By-Laws,
his right of enjoyment to the Common Area and facilities to the members of his family, his
tenants, or contract purchasers who reside on the property.


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                                        ARTICLE III
                                     THE ASSOCIATION

Section 3.1: Organization. The Association is a non-profit South Carolina corporation
charged with the duties and vested with the powers prescribed by law and set forth in the
Articles, the By-Laws and the Declaration. Neither the Articles nor By-Laws shall, for any
reason, be amended or otherwise changed or interpreted so as to be inconsistent with the
Declaration. In the event of any such inconsistency, the provisions of the Declaration shall
prevail.

The Officers and the directors of the Association shall be required to be either (i) members of
the Association or (ii) officers, directors, agents, representatives or employees of Declarant.
The Board of Directors of the Association and such officers as the Board may elect or
appoint, shall conduct the affairs of the Association in accordance with the Declaration, the
Articles and By-Laws, as the same may be amended from time to time.

Section 3.2: Membership.

    (a) Qualifications: Each Owner (including Declarant) shall be a member of the
Association and shall be entitled to one membership for each Lot owned. Ownership of a
Lot shall be the sole qualification for membership in the Association.

     (b) Transfer of Membership: The Association membership of each Owner (including
Declarant) shall be appurtenant to the Lot giving rise to such membership, and shall not be
assigned, transferred, pledged, hypothecated, conveyed or alienated in any way except upon
the transfer of title to said Lot and then only to the transferee of title to such Lot. Any
attempt to make a prohibited transfer shall be void. Any transfer of title to a Lot shall
operate automatically to transfer the membership in the Association appurtenant thereto to
the new Owner thereof.

Section 3.3: Voting: The Association shall have two (2) classes of voting membership:

     Class A: Class A members shall be all Owners with the exception of the Declarant and
shall be entitled to one vote for each Lot owned. When more than one person holds an
interest in any Lot, all such persons shall be members. The vote for such Lot shall be
exercised as they among themselves determine, but in no event shall more than one vote be
cast with respect to any Lot.

    Class B: The Class B member(s) shall be the Declarant and shall be entitled to three (3)
votes for each Lot owned. The Class B membership shall cease and be converted to Class A
membership on the happening of either of the following events, whichever occurs earlier:

         (i) When the total votes outstanding in the Class A membership equal the
         total votes outstanding in the Class B membership, or

         (ii) On January 1, 1990.

                                 ARTICLE IV
                   COVENANT FOR MAINTENANCE ASSESSMENTS

Section 4.1: Creation of the Lien and Personal Obligation of Assessments: The Declarant,
for each Lot owned within the Properties, hereby covenants, and each Owner of any Lot by
acceptance of a deed therefor, whether or not it shall be so expressed in such deed, is deemed
to covenant and agree to pay to the Association: (1) Annual assessments or charges, and (2)
special assessments for capital improvements, such assessments to be established and
hereinafter provided. The annual and special assessments, together with interest, costs and
reasonable attorney's fees, shall be a charge on the land and shall be a continuing lien upon
the property against which each such assessment is made. Each such assessment, together
with interest, costs and reasonable attorney's fees, shall also be the personal obligation of the
person who was the Owner of such property at the time when the assessment fell due. The


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personal obligation for delinquent assessments shall not pass to his successors in title unless
expressly assumed by them.

Section 4.2: Purpose of Assessments: The assessments levied by the Association shall be
used exclusively to promote the recreation, health, safety and welfare of the residents in the
Properties and for the improvement and maintenance of the Common Area or for the use and
enjoyment of the Common Area, including but not limited to, the cost of repairs,
replacements and additions, the cost of labor, equipment, materials, management and
supervision, the payment of taxes assessed against the Common Area, the procurement and
maintenance of insurance in accordance with the By-Laws, the employment of attorneys to
represent the Association when necessary, and such other needs as may arise.

Section 4.3: Maximum Annual Assessment: Until January 1 of the year immediately
following the conveyance of the first Lot to any Owner, the maximum annual assessment
shall be Twelve and 50/100 Dollars ($12.50) per Lot.

From and after January 1 of the year immediately following the conveyance of the first Lot to
any Owner, the maximum annual assessment may be increased by a vote of the membership.

Section 4.4: Special Assessments for Capital Improvements: In addition to the annual
assessments authorized above, the Association may levy, in any assessment year, a special
assessment for a time period to be determined by the Association’s Board of Directors, for
the purpose of defraying, in whole or in part, the cost of any construction, reconstruction,
repair, or replacement of a capital improvement upon the Common Area, including fixtures
and personal property related thereto, provided that any such assessment shall have the assent
of two-third (2/3) of the votes of each class of members who are voting in person or by proxy
at a meeting duly called for this purpose. (Revised 2/27/2006)

Section 4.5: Notice and Quorum for Any Action Authorized Under Sections 3 and 4:
Written notice of any meeting called for the purpose of taking any action authorized under
Section 3 or 4 shall be sent to all members not less than thirty (30) days nor more than sixty
(60) days in advance of the meeting. At the first such meeting called, the presence of
members or of proxies entitled to cast sixty percent (60%) of all votes of each class of
membership shall constitute a quorum. If the required quorum is not present, another
meeting may be called subject to the same notice requirement, and the required quorum at the
subsequent meeting shall be one-half (1/2) of the required quorum at the preceding meeting.
No such subsequent meeting shall be held more than sixty (60) days following the preceding
meeting.

Section 4.6: Uniform Rate of Assessment: Both annual and special assessments must be
fixed at a uniform rate for all Lots and may be collected on a monthly basis.

Section 4.7: Date of Commencement of Annual Assessments: Due Dates: The annual
assessments provided for herein shall commence as to all Lots on the first day of the month
following the conveyance of the Common Area. The first annual assessment shall be
adjusted according to the number of months remaining in the calendar year. The Board of
Directors shall fix the amount of the annual assessment against each Lot at least thirty (30)
days in advance of each annual assessment period. Written notice of the annual assessment
shall be sent to every Owner subject thereto. The due dates shall be established by the Board
of Directors. The Association shall, upon demand, and for a reasonable charge, furnish a
certificate signed by an officer of the Association setting forth whether the assessments on a
specified Lot have been paid.

Section 4.8: Effect of Nonpayment of Assessments: Remedies of the Association: Any
assessment not paid within thirty (30) days after the due date shall bear interest from the due
date at the rate of ten percent (10%) per annum. The Association may bring an action at law
against the Owner personally obligated to pay the same, or foreclose the lien against the
property. No Owner may waive or otherwise escape liability for the assessments provided for
herein by non-use of the Common Area or abandonment of his Lot.



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Section 4.9: Subordination of the Lien to Mortgages: The lien of the assessments provided
for herein shall be subordinate to the lien of any first mortgage. Sale or transfer of any Lot
shall not affect the assessment lien. However, the sale or transfer of any Lot pursuant to
mortgage foreclosure or any proceeding in lieu thereof, shall extinguish the lien of such
assessments as to payments which became due prior to such sale or transfer. No sale or
transfer shall relieve such Lot from liability for any assessments thereafter becoming due or
from the lien thereof.

                                      ARTICLE V
                                REFLECTIONS' AMENITIES

Section 5.1: Owner's Right to Use Reflections' Amenities: Every Owner shall have the right
to use the Reflections' Amenities under the same terms and conditions as members of the
Reflections Owners Association, conditioned upon payment of a monthly assessment as set
by the Reflections Owners Association.

Section 5.2: Assessment for Reflections Amenities: In addition to the assessments
authorized above, every Owner agrees to pay monthly to the Association the amount
determined by the Board to be equal to the Owner's share of the assessment levied by
Reflections for use of the Reflections’ Amenities. The amount assessed and levied by
Reflections shall be in full conformance with a written agreement, as modified from time to
time, between the Association and Reflections, said agreement and its modifications to be
approved by the Association in the same manner as is called for special assessments in
Sections 4.4. (Revised 2/27/2006)

Section 5.3: Uniform Rate of Reflections' Amenities Assessment: The assessment shall be
fixed at a uniform rate for all Owners and shall be paid to the Association on a monthly basis.

Section 5.4: Effect of Nonpayment of Assessments: Remedies of the Association. Any
Reflections' Amenities assessment not paid within thirty (30) days after the due date shall
bear interest from the due date at the rate of ten percent (10%) per annum. The Association
may bring an action at law against the Owner personally obligated to pay the same. No
Owner may waive or otherwise escape liability for the assessments provided for herein by
non-use of the Reflections' Amenities or abandonment of his Lot.

                                     ARTICLE VI
                               ARCHITECTURAL CONTROL

Section 6.1: General: No improvement as defined above in Section 1.7 shall be commenced,
erected or maintained upon the Properties, nor shall any exterior addition to or change or
alteration therein be made until the plans and specifications showing the nature, kind, shape,
height, materials and location of the same shall have been submitted to and approved in
writing as to harmony of external design and location in relation to surrounding structures
and topography by the Board of Directors of the Association, or by an Architectural
Committee composed of three (3) or more representatives appointed by the Board. In the
event said Board, or its designated committee, fails to approve or disapprove such design and
location within thirty (30) days after said plans and specifications have been submitted to it,
approval will not be required and this Article will be deemed to have been fully complied
with.

Section 6.2: Improvements: Construction must begin within 60 calendar days from
approved cutting of trees or clearing of lots. Construction start will be evidenced by the
pouring of foundations or the installation of footings. (Revised 2/25/2003)

Section 6.3: Home Construction: Construction must be completed, as evidenced by issuance
of a "Certification of Occupancy" within 180 calendar days from construction start. Failure to
complete the construction on the 180th day will constitute a $50.00 per day fine thereafter.
(Revised 2/25/2003)

Section 6.4: Lot Maintenance: Lot owners, whether construction firm, developer, or
homeowner, are responsible for the cleanup of the lot on a periodic basis during the
                                               5
construction phase to minimize litter on the construction site as well as adjacent lots and
street. "Periodic basis" is defined as weekly. Should appropriate cleanup not be performed,
the Board will notify the lot owner, in writing, of this violation, whereupon the owner shall
have five (5) calendar days to rectify the situation. If the owner fails to respond to the written
notice, the Board may have the site cleaned up at the owner’s expense by adding the charge
to the owner’s regime fee. (Revised 2/25/2003)

                                         ARTICLE VII
                                         EASEMENTS

Section 7.1: Common Area: The Common Area shall be owned by the Association in fee
simple for the use, enjoyment and convenience of all Owners. Each Lot is hereby declared to
have, subject to the provisions of the Declaration, a nonexclusive easement over all of the
Common Area, for the benefit of such Lot, the Owners of such Lot and each of them and for
their respective families, guests, invitees, tenants and contract purchasers, for recreational
purposes and uses and without limiting the generality of the foregoing, for ingress and egress
over and through the Common Area. In furtherance of the establishment of this easement,
the individual deeds and mortgages to each Lot may, but shall not be required to, set forth the
foregoing easement.

Section 7.2: Association Functions: There is hereby reserved to Declarant and the
Association, or their duly authorized agents and representatives, such easements as are
necessary to perform the duties and obligations of the Association as are set forth in the
Declaration, or in the By-Laws, the Articles, the Association Rules, and the Architectural
Committee Rules. This reservation shall terminate at the time of the sale by the Declarant of
the last Lot in the Emerald Lake at Reflections Development.

Section 7.3: Covenants Running With Land: Each of the easements provided for in the
Declaration shall be deemed to be established upon the recordation of the Declaration, and
shall thenceforth be deemed to be covenants running with the land for the use and benefit of
the Lots or the Common Area, as the case may be, superior to all other encumbrances applied
against or in favor of any portion of the Properties which is the subject of the Declaration.
The Lots and Common Area shall likewise be subject to the covenants and restrictions as to
use set forth elsewhere in this Declaration.

Section 7.4: Subject to Prior Utility Easement: Notwithstanding anything herein expressly
or impliedly to the contrary, the Declaration shall be subject to all easements heretofore or
hereafter granted by Declarant or its predecessors in title for the installation and maintenance
of utilities, sewers, drainage and similar facilities that are necessary or appropriate for the
development of the Properties or the public in general.

                              ARTICLE VIII
             DAMAGE AND DESTRUCTION AFFECTING COMMON AREA

Section 8.1: If all or any portion of the Common Area is damaged or destroyed by fire or
other casualty, then neither the Board, the Association, or any agent or employee thereof,
shall be required or permitted to take any action to repair or rebuild the damaged portions, or
to cause the damaged portions to be repaired or rebuilt without the written consent of at least
fifty-one percent (51%) of the members of each class as to the manner of repair or
reconstruction and the payment therefor.

Section 8.2: Nothwithstanding anything contained in this Declaration to the Contrary, if the
cost of repairing or rebuilding the portion of the Common Area so damaged or destroyed
does not exceed the amount of insurance proceeds available to the Association, the Board
shall be authorized and required without the consent or approval of the members to contract
to repair or rebuild the damaged portions of the Common Area substantially in accordance
with the original plans and specifications therefor.




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                                       ARTICLE IX
                                    USE RESTRICTIONS


Section 9.1: Land Use and Building Type: No Lot or any building thereon shall be used
except for private residential purposes of a single family. No building shall be erected,
altered, placed, or permitted to remain on any Lot other than one single-family dwelling not
to exceed two and one-half (2 ½) stories in height and a minimum of a two-car attached
garage. Building exterior construction materials shall be limited to brick on the front and
both sides, with the building rear construction materials specifically approved by the
Architectural Committee and Board of Directors. No used building which has been torn
down and removed from any other location shall be erected or placed on any Lot or Lots, but
this shall not prevent the erection of a building from material which may have been salvaged
from another building. (Revised 2/22/2005)

Section 9.2: Nuisance: No noxious or offensive activities shall be carried on, in or around
any dwelling unit, nor shall anything be done thereon tending to cause embarrassment,
discomfort, annoyance or nuisance to the neighborhood. There shall not be maintained any
plants or animals or device or thing of any sort whose normal activities or existence is in any
way noxious, dangerous, unsightly, unpleasant, or of a nature as may diminish or destroy the
enjoyment of other property in the neighborhood by the Owners thereof.

Section 9.3: Animals: No animals, livestock or poultry of any kind shall be raised, bred or
kept on any Lot, except that dogs, cats or other similar household pets may be kept or
maintained provided that they are not kept, bred or maintained for any commercial purpose,
and provided, further, that they shall not constitute a nuisance or cause unsanitary
conditions. All household pets shall be confined to their respective Lots or shall be under the
direct supervision and control of the pet owner, agent or other responsible party at all times.

Section 9.4: Outside Structures: No above-ground swimming pool, trailer, tent, barn, tree
house or other similar outbuilding or structure shall be placed on any of the property subject
to these covenants at any time, either temporarily or permanently. No fuel tanks or similar
storage receptacles may be exposed to view, and the same may be installed only within the
main dwelling unit, within any approved accessory building, or within a screened area built
in accordance with plans approved by the Board of Directors of the Association.

Section 9.5: Subdivision Prohibited: No property subject to these restrictions shall be
subdivided, or its boundary lines changed, except with the written consent of the Board of
Directors of the Association, nor shall any Lot be recut so as to face in any direction other
than as shown on the Plat.

Section 9.6: Signs: No signs of any kind shall be displayed to the public view on any Lot
except for one "For Sale" sign of not more than nine (9) square feet advertising the Lot for
sale.

Section 9.7: Use of Lakes: The lakes within the Reflections Development are intended for
the use and enjoyment of Owners, their guests and invitees and the enhancement of the entire
Reflections Development, including the Emerald Lake at Reflections portion. To provide for
its full enjoyment and to preserve water quality and to minimize erosion due to water
turbulence, no combustion type engines shall be operated in or on said lake without the
express written permission of the Board of Directors of the Association, which permission
may be arbitrarily withheld.

Section 9.8: Docks: No docks, floats, rafts or any projection of any kind on or over any lake
in the Reflections Development shall be constructed by an Owner without express written
permission of the Board of Directors of the Association, which permission may be arbitrarily
withheld.

Section 9.9: Fences: The backyards of interior Lots may be fenced subject to the approvals
required by Article VI herein. Corner Lots may be fenced subject to the above approvals but
only up to the set-back lines as shown on the Plat.
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Section 9.10: Playground Equipment: No playground equipment shall be erected or placed
on any lot by an Owner without the express written permission of the Board of Directors of
the Association.

Section 9.11: Street Lights: The cost of installation of street lights, if any, shall be borne by
Declarant until December 31, 1986, at which time such cost shall be borne by the Owner on a
pro rata basis. Those street lights, if any, serving the Common Area shall be the
responsibility of the Association.

Section 9.12: Set Back: No building shall be located or erected on any Lot nearer to the rear
of the front curb than forty-seven and one-half (47 1/2) feet, nor nearer than ten (10) feet to
any side property line nor nearer than forty (40) feet to any rear property line. Provided,
however, that the Association reserves the right to control absolutely and solely the precise
site and location of any building upon all Lots, which right shall include locating a portion of
a building within such setback areas as defined above. Provided further, however, that such
location shall be determined only after reasonable opportunity is afforded the Owner to
recommend a specific site.

Section 9.13: Square Footage: No residence shall have less than 2000 square feet of
enclosed (heated) dwelling area, exclusive of unfinished areas, garages, assessory buildings,
terraces, decks, open porches and similar areas. (Revised 2/22/2005)

Section 9.14: Lot Cleanliness: Owners shall keep their Lots reasonably clear of rubbish,
weeds and undergrowth before, during and after the construction of a residence. Lawns and
exteriors of homes shall be maintained in a neat, orderly and aesthetically pleasing manner.
Small debris such as grass clippings, leave, pine cones, etc. shall be bagged for pickup by the
local sanitation service provider, or otherwise disposed of by the property owner. (Revised
2/22/05)

Section 9.15: Water and Sewer Mains: Water and sewer mains have been installed in the
subdivision. In situations where the residence is being built across pavement from a main,
the Owner or his builder shall ensure that the connecting line is driven or bored under the
pavement to the main and that the pavement is not cut in making such connection.

Section 9.16: Power Lines: Power lines and telephone lines have been or will be installed
underground except as otherwise shown on the "Plat." Each Owner is responsible for
protecting these lines which are or may be installed in the easement areas shown on the Plat.

Section 9.17: Vehicle Repair: No cars, hot rods, trucks, buses, motorcycles or other vehicles
shall be repaired or stored for purposes of repair in the future on any Lot or on the Common
Area.

Section 9.18: Vehicle Parking: Only vehicles bearing current license plates shall be parked
or stored within public view from the street or from adjoining Lots. No trucks larger than
pickup trucks, no trailers, no tractors, no commercial vehicles, no buses, and no automobiles
bearing advertisements, signs or placards are to be stored or parked on any Lot unless
screened from public view from the street or from adjoining Lots. No boats, boat trailers or
recreational vehicles shall be exposed to public view from the street or from adjoining Lots.
No private nor commercial vehicles, trailers or cargo storage units of any kind shall be
permanently or routinely parked on the neighborhood street, residential lawns or vacant lots.
(Revised 2/22/2005)

Section 9.19: Garbage and Refuse Disposal: No Lot shall be used or maintained as a
dumping ground for rubbish. Trash, garbage or other waste shall not be kept except in
sanitary containers, which shall be screened from view from the streets and adjoining Lots.
No trash, rubbish, garbage or other waste shall be incinerated, burned or otherwise disposed
of on any Lot.

Section 9.20: Mailboxes: All mailboxes and supports shall be of standard design and size as
specified by the Board of Directors of the Association or its designated committee.
                                                8
Placement of the mailbox shall be approved by the Board and shall meet all requirements of
the U.S. Postal Service.

Section 9.21: Tree Removal and Clearing: No owner shall remove any Pine tree greater than
ten (10) inches in diameter four (4) feet from the ground, any other tree greater than eight (8)
inches in diameter four (4) feet from the ground, or any flowering tree, without written
approval of the Board of Directors of the Association. No lot owner shall perform any major
clearing, grading or landscaping unless the owner shall obtain the prior written approval of
the Board of Directors of the Association. Excepted therefrom shall be dead or damaged
trees or trees which must be removed because of an emergency.

Section 9.22: Limitations on Application of Restrictions: The restrictions set forth in this
Article IX shall not apply to the Declarant, its agents or employees, during the course of
construction of improvements on the Properties or any portion thereof to the extent that they
would interfere with such construction.

Section 9.23: Laws and Ordinances: Each Owner shall promptly comply with all laws,
statues, ordinances, rules and regulations of Federal, State, or municipal governments or
authorities applicable to use, occupancy, construction and maintenance of improvements
upon any Lot.

Section 9.24: Drainage: Each Owner shall refrain from interference with the established
drainage pattern over his Lot(s) from adjoining or other Lots, and make adequate provision
for proper drainage from any other such Lot(s) in the event the established drainage over his
Lot(s) is changed or altered. For the purpose hereof, "established" drainage is defined as the
drainage which will occur at the time the overall grading of the Properties, including the
landscaping of each Lot, is completed.

                                      ARTICLE X
                                OBLIGATION TO REBUILD

Section 10.1: Damage and Destruction Affecting Residences - Duty to Rebuild: If all or any
portion of any residence located upon a Lot is damaged or destroyed by vandalism, malicious
mischief, fire or other casualty, and Owner undertakes to rebuild, repair or reconstruct said
residence, it shall be the duty of the Owner of said residence to rebuild, repair or reconstruct
said residence in a manner which will restore it substantially to its appearance and condition
immediately prior to the casualty.

Section 10.2: Time Limitation: The Owner or Owners of any damaged residence who
intends to rebuild, repair or reconstruct such residence shall be obligated to proceed with all
due diligence and commence construction within three (3) months after the damage occurs
and complete reconstruction within twelve (12) months after the damage occurs, unless
prevented by causes beyond his reasonable control.

Section 10.3: Election Not to Rebuild or Reconstruct: In the event the Owner of a residence
is precluded from rebuilding by virtue of his mortgagee's requiring application of insurance
proceeds to indebtedness or if the Owner is not otherwise able or inclined to rebuild, repair or
reconstruct, the Owner shall be required to have the premises on which the residence was
formerly situated cleared of debris so as to eliminate any unsightliness which would
adversely affect the surrounding neighborhood. If the Owner fails or refuses to comply with
this provision within three (3) months from the date of such damage or destruction, the
Association is hereby specifically authorized (but without obligation) to have such premises
cleared of debris and cleaned. The actual cost of such clearing, etc., shall give rise to a lien
in favor of the Association with the same force and effect and collectible in the same manner
as the lien called for in Article IV hereinabove set forth.

                                       ARTICLE XI
                                     CONDEMNATION

Section 11.1: Consequence of Condemnation: If at any time or times during the continuance
of the Emerald Lake at Reflections project pursuant to this Declaration, all or any part of the
                                               9
Common Area of the project shall be taken or condemned by any public authority or sold or
otherwise disposed of in lieu of, or in advance thereof, the provisions of this Article XI shall
apply.

Section 11.2: Proceeds: All compensation, damage or other proceeds therefrom relating to
the Common Area, the sum of which is hereinafter called the "condemnation award", shall be
payable to the Association.

Section 11.3: Complete Taking: In the event that the entire project is taken, or condemned,
or sold, or otherwise disposed of in lieu of or in avoidance thereof, the condemnation award
relating to the Common Area shall be apportioned among the Owners in proportion to the
respective undivided interest in such Common Area.

On the basis of the principles set forth in the last preceding paragraph, the Association shall,
as soon as practicable, determine the share of the condemnation award to which each Owner
is entitled. Such shares shall be paid into separate accounts and disbursed as soon as
practicable in the following manner:

    (a) for payment of taxes and special assessment liens in favor of any assessing entity
and customary expenses of sale;

    (b) for the payment of the balance of the lien of any first mortgage on the Common
Area;

    (c) for the payment of unpaid common expenses and all costs, expenses and fees
incurred by the Association;

     (d) for the payment of junior liens and encumbrances in the order and to the extent of
their priority;

   (e) any funds not disbursed as hereinabove provided shall be paid over to the Lot
Owner.

Section 11.4: Partial Taking: In the event that less than the entire project or less than the
entire Common Area is taken or condemned or sold or otherwise disposed of in lieu of or in
avoidance thereof, the condemnation award relating to the Common Area so disposed of
shall be payable to the Association and held by them to be disbursed as follows:

    (a) for payment of taxes and special assessment liens in favor of any assessing entity
and customary expenses of sale;

    (b) for the payment of the balance of the lien of any first mortgage on the Common
Area;

    (c) for the payment of unpaid common expenses and all costs, expenses and fees
incurred by the Association;

     (d) for the payment of junior liens and encumbrances in the order and to the extent of
their priority;

     (e) the balance remaining, if any, shall be held by the Association in a special account
for capital improvement voted upon by the Association with the concurrence of two-thirds
(2/3) of each class of membership.

Section 11.5: Reconstruction and Repair: Any reconstruction and repair necessitated by
condemnation of all or a part of the Common Area shall be paid for to the extent possible by
these funds held by the Association pursuant to Section 11.4(e) above.




                                               10
                                    ARTICLE XII
                          ADDITIONS TO COMMON PROPERTY

The Declarant may convey title to any common area, whether or not previously designated as
common property, to the Association without its consent or the consent of its members, and
such common area shall be held, improved and administered in the same manner, and for the
same purposes, as the land described in Exhibit B attached hereto and made a part hereof.

                                     ARTICLE XIII
                                  GENERAL PROVISIONS

Section 13.1: Enforcement: The Association, or any Owner, shall have the right to enforce,
by any proceeding at law or in equity, all restrictions, conditions, covenants, reservations,
liens and charges now or hereafter imposed by the provisions of the Declaration. Failure by
the Association or by any Owner to enforce any covenant or restriction herein contained shall
in no event be deemed a waiver of the right to do so thereafter.

Section 13.2: Severability: Invalidation of any one of the provisions of the Declaration by
judgment or court order shall in no wise affect any other provisions hereof, and all such other
provisions shall remain in full force and effect.

Section 13.3: Violation and Nuisance: Every act or omission whereby any provision of the
Declaration is violated in whole or in part is hereby declared to be a nuisance and may be
enjoined or abated, whether or not the relief sought is for negative or affirmative action, by
Declarant, the Association or any Owner or Owners of Lots. Declarant's right to enforce the
Covenants ends with the sale of the last Lot within the Emerald Lake at Reflections project.

Section 13.4: Violation of Law: Any violation of any Federal, State, municipal or local law,
ordinance or regulation, pertaining to the ownership, occupation or use of any of the
Properties is hereby declared to be a violation of the Declaration and subject to any or all of
the enforcement procedures set forth herein.

Section 13.5: Remedies Cumulative: Each remedy set forth in the Declaration shall be in
addition to all other remedies whether available at law or in equity, and all such remedies,
whether or not set forth in the Declaration shall be cumulative and not exclusive.

Section 13.6: Delivery of Notices and Documents:

     (a) Any written notice or other documents addressed to the Board or Declarant relating
to or required or permitted by the Declaration may be delivered either personally or by
registered mail, return receipt requested. If by registered mail, it shall be deemed to have
been given, delivered and received seventy-two (72) hours after a copy of the same has been
deposited in the United States mail, postage prepaid, addressed to the address made known
for such purpose by such prospective addressee. Any such address may be changed at any
time by the party concerned by recording a written notice of change of address and delivering
a copy thereof to the Association.

     (b) Any written notice or other documents relating to or required or permitted by the
Declaration may be delivered to an Owner either personally or by mail. If by mail, it shall be
deemed to have been given, delivered and received seventy-two (72) hours after a copy of
same has been deposited in the United States mail, postage prepaid, addressed to such
Owner, to the address of any Lot owned, whether in whole or in part, by such Owner, or to
any other address last furnished by such Owner to the Association. Each Owner of a Lot
shall file his correct mailing address with the Association, and shall promptly notify the
Association in writing of any subsequent change of address.

Section 13.7: The Declaration: By acceptance of a deed or by acquiring any ownership
interest in any of the real property included within this Declaration, each person or entity, for
himself or itself, his heirs, personal representatives, successors, transferees and assigns, binds
himself, his heirs, personal representatives, successors, transferees and assigns, to all of the
provisions, restrictions, covenants, conditions, rules and regulations now or hereafter
                                                11
imposed by the Declaration and any amendment or supplements thereof. In addition, each
such person by so doing thereby acknowledges that the Declaration sets forth a general
scheme for the improvement and development of the real property covered hereby, and
hereby evidences his intent that all the restrictions, conditions, covenants, rules and
regulations contained herein shall run with the land and shall be binding on all subsequent
and future Owners, grantees, purchasers, assignees, and transferees thereof. Furthermore,
each such person fully understands and acknowledges that the Declaration shall be mutually
beneficial to and enforceable by the various subsequent and future owners.

Section 13.8: Utility Easements: Each Lot shall be conveyed to Owners, other than
Declarant, and thereafter held by such Owners, their successors and assigns, subject to any
and all easements of record at the time of the initial conveyance of the particular Lot
involved to an Owner, other than Declarant, for the use and benefit of the several authorized
public and/or other utilities, including but not limited to, sanitary sewers, water, gas, and
electrical and drainage easements, and no Owner of a Lot shall damage or interfere with the
installation, purpose and maintenance of such utilities, or in any manner change the direction
or flow of drainage channels in any such easements, or in any manner obstruct or retard the
flow of water through drainage channels in any such easements.

Section 13.9: Headings: The headings introducing the text of the several sections of the
Declaration are solely for convenience or reference and shall not constitute part of the
Declaration or affect its meaning in any way.

Section 13.10: Reference of Pronouns: All pronouns and any variations thereof shall be
deemed to refer to the masculine, feminine, neuter, singular, and plural, as the identity of the
person or persons or entities may require.

Section 13.11: Duration and Amendments: The covenants and restrictions of this
Declaration shall run with and bind the land, and shall inure to the benefit of and be
enforceable by the Association, Declarant, or Owner of any land subject to this Declaration,
their respective legal representatives, heirs, successors and assigns, for a term of twenty (20)
years from the date of this Declaration, after which time said Declaration shall be
automatically extended for a successive period of ten (10) years, unless three fourths (3/4) of
the vote of the annual meeting of the Association approves a change in the covenants or
restrictions. The covenants may be amended at any time if three-fourths (3/4) of the vote at a
duly called meeting of the Association approves a change. The Declaration may be amended
during the first twenty (20) year period by an instrument signed by not less than ninety
percent (90%) of the Lot Owners, and thereafter by an instrument signed by not less than
seventy-five percent (75%) of the Lot Owners. Provided, however, that no such agreement to
change shall be effective unless made and recorded sixty (60) days in advance of the
effective date of such change, and unless written notice of the proposed agreement is sent to
every member and any mortgagee mentioned in Section 12.6 hereof at least sixty (60) days in
advance of action taken.

IN WITNESS WHEREOF, Declarant has caused this instrument to be executed by the
appropriate officers on the day and hear first above written.

Signed, Sealed and Delivered                        ENVIRONMENTAL RESORTS,
    In the Presence Of:                                INCORPORATED:

_____/signed/____________                           By: _____/signed/____________
                                                    Its:   President

_____/signed/____________                           Attest: _____/signed/____________
                                                    Its:      Secretary

The foregoing Declaration of Covenants, Conditions and Restrictions is hereby approved and
accepted as binding upon the Emerald Lake at Reflections Homeowners Association, Inc., its
Successors and Assigns.



                                               12
IN WITNESS WHEREOF, THE EMERALD LAKE AT REFLECTIONS HOMEOWNERS
ASSOCIATION, INC. has caused this instrument to be executed this 15th day of July, 1985,
by John W. Davis, its President, and attested by Wayne Q. Justesen, Jr., its Secretary.

Signed, Sealed and Delivered                         EMERALD LAKE AT REFLECTIONS
    In the Presence Of:                              HOMEOWNERS ASSOCIATION, INC.

_____/signed/____________                            By: _____/signed/____________
                                                     Its:    President

_____/signed/____________                            Attest: _____/signed/____________
                                                     Its:      Secretary

STATE OF SOUTH CAROLINA
                                                                  PROBATE
COUNTY OF GREENWOOD

PERSONALLY appeared before me Mamie W. Nicholson, and made oath that she saw the
within named Environmental Resorts, Incorporated, a South Carolina corporation, by J. C.
Self, Jr., its President, sign the within instrument, and the said corporation, by said officers,
seal said instrument, and as its act and deed, deliver the same, and the she, with Nada B.
Banes, witnessed the execution thereof.

SWORN to before me this 15th day of July, 1985.
_____/signed/________(L.S.)                   _____/signed/____________
Notary Public for South Carolina
My Commission Expires 10-12-89.

                                          EXHIBIT "A"

The description of the property subject to this Declaration is as follows:

ALL those tracts, parcels or lots of land situate, lying and being the County of Richland,
State of South Carolina, consisting of lots numbered 1 through 18 Block A, lots numbered 1
through 22 Block B, Emerald Lake Road having a fifty (50) foot right-of-way and extending
from Stoney Creek Road to Rollinson Road, and the sewer lift station, all as shown on a plat
entitled, "Reflections-Section 5," dated April 9, 1985, prepared by Cox & Dinkins, Inc. and
recorded in Plata Book 50 at Page 4164 in the Office of the Register of Mesne Conveyances
for Richland County, South Carolina, and which plat is incorporated herein by reference and
made a part thereof.

                                          EXHIBIT "B"

The description of the common areas to be conveyed by Declarant to the Association is as
follows:

ALL those tracts or parcels of land situate, lying and being in the County of Richland, State
of South Carolina, being described as follows:

                                            TRACT A

       The sewer lift station parcel, as sown that certain plat entitled, "Reflections-
       Section 5," dated April 9, 1985, prepared by Cox & Dinkins, Inc. and
       recorded in Plat Book 50 at Page 4164 in the Office of the Register of Mesne
       Conveyances for Richland County, South Carolina.

                                            TRACT B

       Emerald Lake Road, as shown on the above-mentioned plat, extending from
       Rollinson Road to Stoney Creek Road, and having a fifty (50)-foot right-of-
       way.
                                                13
This conveyance is made subject to the Declaration of Covenants, Conditions and
Restrictions applicable to Emerald Lake at Reflections Homeowners Association, Inc., which
said Declaration is incorporated herein and by reference made part hereof, and which is
recorded in the Office of the Register of Mesne Conveyances for Richland County, South
Carolina, in Deed Book D-750 at Page 814.

The foregoing tracts being a portion of the property conveyed to Environmental Resorts,
Incorporated by deed from C.W. Haynes and Company, Incorporated which deed is recorded
in the Office of the Register of Mesne Conveyances for Richland County, South Carolina, on
December 20, 1974, in Deed Book D-336 at Page 94, and also that deed recorded in said
office on January 17, 1979, in Deed Book D488 at Page 516.




                                            14
STATE OF SOUTH CAROLINA
                                                     DEED TO RIGHT-OF-WAY
COUNTY OF RICHLAND

ROAD: Emerald Lake Road, as shown on a plat entitled "Reflections - Section 5: prepared
by Cox and Dinkins, Inc., Engineers and Surveyors, Columbia, South Carolina 29205, dated
April 9, 1985, last revised October 3, 1991, said revised plant being recorded in Plat Book 53
at Page 8779 in the Office of the Register of Mesne Conveyances for Richland County, South
Carolina.

KNOW ALL MEN BY THESE PRESENTS, That ENVIRONMENTAL RESORTS,
INCORPORATED, a South Carolina Corporation, in consideration of the sum of One Dollar
($1.00) to the Grantor in hand paid, and other valuable considerations at and before sealing
and delivering thereof, by the EMERALD LAKE AT REFLECTIONS HOMEOWNERS
ASSOCIATION, INC., receipt of which is hereby acknowledged, has granted, bargained,
sold and released, and by these presents does grant, bargain, sell and release, unto the said
EMERALD LAKE AT REFLECTIONS HOMEOWNERS ASSOCIATION, INC., its
successors and assigns, a right-of-way on and over all lands which the owner may own in
whole or in part, for the purpose of improving and maintaining the above described road,
water, sewer and storm drainage. Bounded by lands of Environmental Resorts, Incorporated
and others, said right-of-way is to have a width of twenty-five feet (25') from the center line
of Emerald Lake Road, as shown on the above described plat.

This conveyance specifically includes all portions of the water, sewer and storm drainage
system located in the Emerald Lake at Reflections Subdivision which are or may be located
in storm drainage and/or utility easements as sown on the above described plat.

Together with, all and singular, the rights, members, hereditaments and appurtenances
thereto belonging or in anywise incident or appertaining. It is agreed that buildings, fences,
signs or other obstructions will not be erected by the Grantor or its successors or assigns
within the limits of the right-of-way herein conveyed, except as existing at the time of the
conveyance.

TO HAVE AND TO HOLD, all and singular, the said right-of-way and the rights
hereinbefore granted, unto the said EMERAL LAKE AT REFLECTIONS HOMEOWNERS
ASSOCIATION, INC., its successors and assigns forever.

IN WITNESS WHEREOF, ENVIRONMENTAL RESORTS, INCORPORATED, a South
Carolina corporation, has caused these presents to be executed in its name by James P.
Griffin, its vice president, attested by Wayne Q. Justesen, Jr., its secretary, and its seal
affixed, this 25th day of February in the year of our Lord One Thousand Nine Hundred
Ninety-two and in the two hundred and sixteenth year of the sovereignty and independence
of the United States of America.

In the Presence of:                  ENVIRONMENTAL RESORTS, INCORPORATED
Deed Book 336 Page 94

Mamie W. Nicholson /signed/                   By:       James P. Griffin /signed/
Witness                                       Its:      Vice President

Nada B. Banes /signed/                        Attest: Wayne Q. Justensen, Jr. /signed/
Witness                                       Its"    Secretary

STATE OF SOUTH CAROLINA
COUNTY OF GREENWOOD

Personally appeared before me Mamie W. Nicholson, who, on oath, says that she saw the
within Environmental Resorts, Incorporated, a South Carolina corporation, by James P.
Griffin, its vice president, sign the within Deed to Right-of-Way, and Wayne Q. Justesen, Jr.,
its Secretary, attest the same, and the said corporation, by said officers, seal said Deed to


                                               15
Right-of-Way, and, as its act and deed, deliver the same, and that she, with Nada B. Banes,
witnessed the execution thereof.

SWORN to and Subscribed before me this 25th day of February, 1992.

_____/signed/________(L.S.)                       _____/signed/____________
Notary Public for South Carolina
My Commission Expires 10-04-99.




                                             16
STATE OF SOUTH CAROLINA
                                                        TITLE TO REAL ESTATE
COUNTY OF RICHLAND


Know All Men by These Presents That

                           ENVIRONMENTAL RESORTS, INC.

(hereinafter whether singular or plural the "Grantor") in the State aforesaid, for and in
consideration of the sum of One Dollar ($1.00) to the Grantor paid by the

                                   CITY OF COLUMBIA

(hereinafter whether singular or plural the "Grantee") has granted, bargained, sold and
released, and by these presents does grant, bargain, sell and release unto the City of
Columbia, South Carolina, its successors and assigns.

All that certain piece, parcel or lot of land, situate, lying and being in the State of South
Carolina, County of Richland, southeast of the City of Columbia, located between Lots 7 and
8, Block B, Emerald Lake at Reflections, Section 5 on the southwestern side of Emerald
Lake Road (private), containing nine hundredths of an acre (0.09) and having the following
boundaries and measurements, to-wit:

Beginning on the southwestern right-of-way of Emerald Lake Road (private) at the
northernmost property corner of Lot 8, Block B and extending therefrom S27º 06' 00"W
along the northwestern property line of said Lot 8, Block B, for a distance of one hundred
ninety-nine and thirty-nine hundredths (199.29( feet to an iron pin; thence turning and
extending therefrom S08º 40' 44"W for a distance of twenty-five and sixty-six hundredths
(25.66) feet to the northeastern boundary of the lift station site; thence turning and extending
therefrom along Line L1, S68º 37' 54"E to an iron pin; then turning and extending therefrom
S17º 11' 37"W for a distance of twenty-two and seventy-seven hundredths (22.77) feet to an
iron pin; thence turning and extending therefrom N70º 46' 26"W for a distance of twenty-two
and thirty-six hundredths (22.36) feet an iron pin; then turning and extending therefrom N17º
05' 54"E for a distance of twenty-one and sixty-two hundredths (21.62) feet to an iron pin;
then turning and extending therefrom N11º 14' 58"E for a distance of thirty and twelve
hundredths (30.12) feet to an iron pin; thence turning and extending therefrom N27º 02' 49"E
for a distance of one hundred ninety-nine and five tenths (199.5) feet along the southeastern
property line of Lot 7, Block B to an iron pin on the southwestern right-of-way of Emerald
Lake Road; then turning and extending therefrom S58º 09' 57"E along the southwestern
right-of-way of Emerald Lake Road (Line L2) for a distance of fifteen and nineteen
hundredths (15.19) feet to the point of beginning. Be all measurements a little more or less.

The subject property is more clearly delineated on a plat of property to be conveyed to the
City of Columbia for the Emerald Lake at Reflections Sanitary Sewer Lift Station Site, dated
May 14 1999, last revised May 26, 1999, prepared for City of Columbia, South Carolina by
Cox and Dinkins, Inc., J. Don Rawls, Jr., S.C. R.L.S. #13517, and being on file in the office
of the City's Director of Engineering under file reference #129-07 A.

A copy of said plat being attached hereto and made a part hereof as Exhibit "A"./

DERIVATION: Deed Book D-1097, Page 755
TAX MAP NUMBER; 21904-01-06 (Portion)
GRANTEE'S ADDRESS: City of Columbia
                    Department of Engineering
                    P. O. Box 147, Columbia, SC 29217

TOGETHER and with all and singular, the rights, members, hereditaments and
appurtenances to the said premises belong or in anywise incident or appertaining.



                                               17
TO HAVE AND TO HOLD all and singular the premises before mentioned unto the said
Grantee, the City of Columbia, its successors and assigns forever. And the Grantor does
hereby bind himself and his heirs and assigns to warrant and forever defend all and singular
the said premises unto the said Grantee and Grantee's successors and assigns, against the
Grantor and the Grantor's heirs and assigns and against every person whomsoever lawfully
claiming, or to claim the same or any part thereof.

WITNESS the Hand of the Grantor this 2d day of June, 1999/

WITNESSES                                    ENVIRONMENTAL RESORTS, INC.

____/signed/__________
WITNESS #1
                                        by:    ____/signed/__________
____/signed/__________                  Title: ____Gen. Mgr.________
WITNESS #2

STATE OF SOUTH CAROLINA
                                                  ACKNOWLEDGEMENT
COUNTY OF RICHLAND

The foregoing instrument was acknowledged before this second day of June, 1999, by Robert
W. Sharp, General Manager, of Columbia, South Carolina on behalf of the within-named
Grantor.

____/signed/_______________________
NOTARY PUBLIC FOR STATE OF S.C.
MY COMMISSION EXPIRES July 13, 2003




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