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  • BEAUGRAND, IRIS vs. O'TOOLE, ROBERT Other - Matters not falling within the Other civil Subcategories document preview
  • BEAUGRAND, IRIS vs. O'TOOLE, ROBERT Other - Matters not falling within the Other civil Subcategories document preview
  • BEAUGRAND, IRIS vs. O'TOOLE, ROBERT Other - Matters not falling within the Other civil Subcategories document preview
  • BEAUGRAND, IRIS vs. O'TOOLE, ROBERT Other - Matters not falling within the Other civil Subcategories document preview
  • BEAUGRAND, IRIS vs. O'TOOLE, ROBERT Other - Matters not falling within the Other civil Subcategories document preview
  • BEAUGRAND, IRIS vs. O'TOOLE, ROBERT Other - Matters not falling within the Other civil Subcategories document preview
  • BEAUGRAND, IRIS vs. O'TOOLE, ROBERT Other - Matters not falling within the Other civil Subcategories document preview
  • BEAUGRAND, IRIS vs. O'TOOLE, ROBERT Other - Matters not falling within the Other civil Subcategories document preview
						
                                

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Filing # 90126808 E-Filed 05/25/2019 09:42:19 AM IN THE CIRCUIT COURT OF THE TWENTIETH JUDICIAL CIRCUIT IN AND FOR CHARLOTTE COUNTY, FLORIDA CIVIL ACTION IRIS BEAUGRAND, individually and as POA for Heidrun Riedner, Plaintiff, Vv. CASE NO: 2017 CA 181 ROBERT O’TOOLE, Defendant. Exhibit Transcript of Sarasota Proceeding Evidence Exhibits Plaintiff 1 through 4 1|Page Filing # 90126808 E-Filed 05/25/2019 09:42:19 AM IN THE CIRCUIT COURT OF THE TWENTIETH JUDICIAL CIRCUIT IN AND FOR CHARLOTTE COUNTY, FLORIDA CIVIL ACTION IRIS BEAUGRAND, individually and as POA for Heidrun Riedner, Plaintiff, Vv. CASE NO: 2017 CA 181 ROBERT O’TOOLE, Defendant. Exhibit Transcript of Sarasota Proceeding Evidence Exhibits Plaintiff 1 through 4 1|Page EVIDENCE/EXHIBIT RECORD NUMBER: 40779 CASE NI UMBER: jo G4 635/ wc DATE: 2-2 5 ~1SsuDGe: Me ty CLERK: PLAINTIFFISTATE: IDEFENDANT/RESPONDENT: OTs, Attome: teke Attorney: | Atecke We Legos Complete for Criminal Cases Only: Agency: Agency: State Atty # Property # HState 2 Defendant > a Ward ““Guardian [_!Beneficiary [_]PersonalRep [Interveners 8 3 Clother c Description é a| 2-3 3; i2*| fw Bdcet 4 Paphos Prenat 33 3: oF fl Qard te See TSST, Pansat 334 1 2 ik | Aw 925 3 oe 4 |Deds Cartinct y hoy EIT Pete [37 Was |v SSO) Att [Berecmet $0 four >:x 34 ty |- 5] POA” A lbesicbccsin Nu 2 a Ward ““Guardian [_!Beneficiary [_]PersonalRep [Interveners 8 3 Clother c Description é a| 2-3 3; i2*| fw Bdcet 4 Paphos Prenat 33 3: oF fl Qard te See TSST, Pansat 334 1 2 ik | Aw 925 3 oe 4 |Deds Cartinct y hoy EIT Pete [37 Was |v SSO) Att [Berecmet $0 four >:x 34 ty |- 5] POA” A lbesicbccsin Nu 2 Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL Chain of Custody 1) Exhibit(s) received in court and stored for a period of time: C (2 Exhibits have been secured at Darher Sc from_2-- 35-1 to 3-l1& ‘Specific storage/area location) ‘date (date) el 2) Exhibits transferred to Jury for deliberation: From date & time (CAM admitted items [_] Excluded items: To date & time Comments: 3) Custody Transferred: Alternative Court Clerk Judge Other Custody transferred from: (deputy clerk or supervisor signature) (position title) (date) Delivered to: (name) (title) (date) 4) Exhibit(s) Secured Transported Stored for Court Event Continued Other Delivered to: (deputy clerk or supervisor signature) (position title) (date) Exhibits secured at (location) Returned to: I ‘deputy clerk or supervi: isor signature) al ‘position titie) (date) 5) Records Management receives exhibits: A) Exhibit(s) to be filed for record only: Location: (J Secure In vault (3 Secure in case file CJ Other 1B) Exhibit(s) to be filed for record and scanned: sh 2. Location: ure in vault (J Secure In case file C other Received from: “3 A Delivered to: Koven Petrip Ga LohAan Cr—_ | 3-(-¥ ( Ka ) name. ink nal Received from:7. (pr Delivered to: Ka’ Petco 1 3-18 (signature and date) (signature and date) — — RECEIPT , , have received the following Exhibit(s) Per oral/written order of Judge on this day of / Signature Title SPECIAL NOTES Side B - Page 2 of > Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL Plif, Exhibit # Case # SING Piet, deft: 10: ADM. “f Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL Plif, Exhibit # Case # SING Piet, deft: 10: ADM. “f Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL Prepared by and Retum to: “RECOROEDIW OFFICIAL Leura L. Fitzgerald ‘Coastal Security Title, inc. ISTREAT 4 AIR 1% 2007, Nay 27 122 2260S. McCall Rosd KAREN £. Englewood, Florids 34224 CLERK OF THE cinauty COURT SARASOTA COUNTY FLORIDA File Number: 722219 CEABLETO Receipts9ge57e Doc Stamp-Deed: 0.70 General Warranty Deed Made this November 26, 2007 A.D. By Robert O'Toole, a single man, whose address is: 1855 Bayshore Dr., Englewood, FL 34223, nu ll hereinafter called the grantor, to Irts Beaugrand and Rebert O'Toole, joint tenants with full rights of survivorship, whove post office address ix: 185$ Bayshore Drive, Englewoed, FL 34223, hereinafter called the grantee: ‘used herein the term “grantor” and "yrantes” include all cha partics ‘0 this instrument end the eirs, legal representatives and assrgres of individuala, and the suocemors and assigns of ‘Witnesseth, that the grantor, for and in consideration of the sum of Ten Dollars, ($10.00) and other valuable considerations, receiptsheeo is heeby scknowdgnbreby pen, arsine, ai, ome, tlie, conveys ad conf unto the rae, | all that certain land situate in Serssom. Lot 953, Englewood Gardens, Unit 5, a8 per plat thereof, recorded in Plat Book 4, Page 72 and 73, of the Public Records of Sarasota County, ‘Subject to taxes for the current year, covenants, restrictions and easements of record, if any. Parcel ID Number; €487-12-0012 Together with all the tenements, hereditaments and appurtenances therew belonging or in anywise appertaining. @ To Have and to Hold, the same in fee sirmple forever. And the grantor hereby covenants with said grantee that the grantor is lawfully seized of seid land in foe sienple; that the grantor has good right and lawful suthority to sell and convey said land; that the grantor hereby fully warrants the title to said land and will defend ‘the same against the lawful claims of all persons whomsoever, and that said land is free of all encumbrances except taxes accruing Subsequentto December 31, 2¢ In Witness Whereof, the said grantor has signed and sealed these presents the day and year first above written. ‘Signed, sealed and delivered in our presence: aoe tet Witness Printed Neme Dawn LO QLIN Campo Gano =<» (Seal) fod Witnene Sigpanure 2nd Witnens. Printed Nazre td ‘Stave of Florida ‘County of Chartone ie Soresoing insrunet way acknowledged before me chit November 26, 2007 by Robert OvTooke, 2 singe sea, who is/are personally known to me or who has/have produced. as identif Prdgure BPithgire td (affix notary seal) Priet Nese, My Comaatanian Explres: een LAA ws: (WY Comeau 100 eaerey ‘att a tg 28 2040, DEED individual Warranty Deed - Legal on Face Closer’ Choice I Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL Prepared by and Retum to: “RECOROEDIW OFFICIAL Leura L. Fitzgerald ‘Coastal Security Title, inc. ISTREAT 4 AIR 1% 2007, Nay 27 122 2260S. McCall Rosd KAREN £. Englewood, Florids 34224 CLERK OF THE cinauty COURT SARASOTA COUNTY FLORIDA File Number: 722219 CEABLETO Receipts9ge57e Doc Stamp-Deed: 0.70 General Warranty Deed Made this November 26, 2007 A.D. By Robert O'Toole, a single man, whose address is: 1855 Bayshore Dr., Englewood, FL 34223, nu ll hereinafter called the grantor, to Irts Beaugrand and Rebert O'Toole, joint tenants with full rights of survivorship, whove post office address ix: 185$ Bayshore Drive, Englewoed, FL 34223, hereinafter called the grantee: ‘used herein the term “grantor” and "yrantes” include all cha partics ‘0 this instrument end the eirs, legal representatives and assrgres of individuala, and the suocemors and assigns of ‘Witnesseth, that the grantor, for and in consideration of the sum of Ten Dollars, ($10.00) and other valuable considerations, receiptsheeo is heeby scknowdgnbreby pen, arsine, ai, ome, tlie, conveys ad conf unto the rae, | all that certain land situate in Serssom. Lot 953, Englewood Gardens, Unit 5, a8 per plat thereof, recorded in Plat Book 4, Page 72 and 73, of the Public Records of Sarasota County, ‘Subject to taxes for the current year, covenants, restrictions and easements of record, if any. Parcel ID Number; €487-12-0012 Together with all the tenements, hereditaments and appurtenances therew belonging or in anywise appertaining. @ To Have and to Hold, the same in fee sirmple forever. And the grantor hereby covenants with said grantee that the grantor is lawfully seized of seid land in foe sienple; that the grantor has good right and lawful suthority to sell and convey said land; that the grantor hereby fully warrants the title to said land and will defend ‘the same against the lawful claims of all persons whomsoever, and that said land is free of all encumbrances except taxes accruing Subsequentto December 31, 2¢ In Witness Whereof, the said grantor has signed and sealed these presents the day and year first above written. ‘Signed, sealed and delivered in our presence: aoe tet Witness Printed Neme Dawn LO QLIN Campo Gano =<» (Seal) fod Witnene Sigpanure 2nd Witnens. Printed Nazre td ‘Stave of Florida ‘County of Chartone ie Soresoing insrunet way acknowledged before me chit November 26, 2007 by Robert OvTooke, 2 singe sea, who is/are personally known to me or who has/have produced. as identif Prdgure BPithgire td (affix notary seal) Priet Nese, My Comaatanian Explres: een LAA ws: (WY Comeau 100 eaerey ‘att a tg 28 2040, DEED individual Warranty Deed - Legal on Face Closer’ Choice I Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL a ee PILE. Exhibit Case a. Pitty Deft: 0. to: ADM: 1-13 -~25- Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL a ee PILE. Exhibit Case a. Pitty Deft: 0. to: ADM: 1-13 -~25- Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL _ Return To: * RECORDED IN OFFICIAL RECORDS ‘oastal Security Tide, Inc. 2260 S. McCall Rd. INSTRUMENT & 2007176762 12 PGS Englewood, FL 34224 ny yw 2007 NOV 29 11:28 AM @ Prepared by or under the supervision of: KAREN E. RUSHING CLERK OF THE CIRCUIT COURT DALIA ENGEL SARASOTA COUNTY FLORIDA tName of Natural CEAGLETO Receipt #988578 2601 CATTLEMAN ROAD, SUITE 400 [Street Address} SARASOTA, FL 34232 Doc Stamp-Mort: 982.00 ICly, State Zip Code] Intang. Tax: 504.00 " il i nnn - After recording please return to: SUNTRUST MORTGAGE, INC. {Company Name] RVW 5093 {Name of Natural 206717676: 1001 SEMMES AVENUE [Street Address] RICHMOND, ), VIRGINIA 23224 (City, State [Space Above This Line For Recording Data) Loan No.: 0267101684 MORTGAGE MIN: 100010402071016848 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. A) “Security Instrument” means this document, which is dated Nevember 26, 2007, together with all Riders to this document. (B) “Borrower” is IRIS BEAUGRAND, ROBERT O'TOOLE, JOINT OWNERS Borrower is the mortgagor under this Sccurity Instrument. © “MERS” is Mortgage Electronic Registration Systems, Inc. MERS is 2 separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS fs the mortgagee under this Security Instrument. MERS is jized und existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (0) “Lender” is SUNTRUST MORTGAGE, INC.._ Lender is » corporation the laws of THE COMMONWEALTH OF VIRGINIA. Lender's address is 901 SEMMES AVENUE, RICHMOND, VA 23224. {E) “Note” means the promissory note signed by Borrower and dated Nevember 26, 2007. The Note states that Borrower owes Lender Two Hundred Fifty Two Thousand and 60/100ths Dollars (U.S. $22,000.00) plus. interest, Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2037. Flarida Morigage-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT MERS Medified Form 3018 9101 —Tik ComPLiance Source, INc— Pagel of 14 oun, 104 A gm a www couplisancenenes con (©2004, The Counplisncs Sowren, lat e Ta ~\\ Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL _ Return To: * RECORDED IN OFFICIAL RECORDS ‘oastal Security Tide, Inc. 2260 S. McCall Rd. INSTRUMENT & 2007176762 12 PGS Englewood, FL 34224 ny yw 2007 NOV 29 11:28 AM @ Prepared by or under the supervision of: KAREN E. RUSHING CLERK OF THE CIRCUIT COURT DALIA ENGEL SARASOTA COUNTY FLORIDA tName of Natural CEAGLETO Receipt #988578 2601 CATTLEMAN ROAD, SUITE 400 [Street Address} SARASOTA, FL 34232 Doc Stamp-Mort: 982.00 ICly, State Zip Code] Intang. Tax: 504.00 " il i nnn - After recording please return to: SUNTRUST MORTGAGE, INC. {Company Name] RVW 5093 {Name of Natural 206717676: 1001 SEMMES AVENUE [Street Address] RICHMOND, ), VIRGINIA 23224 (City, State [Space Above This Line For Recording Data) Loan No.: 0267101684 MORTGAGE MIN: 100010402071016848 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. A) “Security Instrument” means this document, which is dated Nevember 26, 2007, together with all Riders to this document. (B) “Borrower” is IRIS BEAUGRAND, ROBERT O'TOOLE, JOINT OWNERS Borrower is the mortgagor under this Sccurity Instrument. © “MERS” is Mortgage Electronic Registration Systems, Inc. MERS is 2 separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS fs the mortgagee under this Security Instrument. MERS is jized und existing under the laws of Delaware, and has an address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (0) “Lender” is SUNTRUST MORTGAGE, INC.._ Lender is » corporation the laws of THE COMMONWEALTH OF VIRGINIA. Lender's address is 901 SEMMES AVENUE, RICHMOND, VA 23224. {E) “Note” means the promissory note signed by Borrower and dated Nevember 26, 2007. The Note states that Borrower owes Lender Two Hundred Fifty Two Thousand and 60/100ths Dollars (U.S. $22,000.00) plus. interest, Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than December 1, 2037. Flarida Morigage-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT MERS Medified Form 3018 9101 —Tik ComPLiance Source, INc— Pagel of 14 oun, 104 A gm a www couplisancenenes con (©2004, The Counplisncs Sowren, lat e Ta ~\\ Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL @ ®) “Property” means the property that is described below under the heading “Transfer of Rights in the ) “Loan” means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. @® “Riders” means all Riders to this Security Instrument that are executed by Borrowcr. The following Riders arc to be executed by Borrower (check box as applicable]: Adjustable Rate Rider O Condominium Rider Second Home Rider Balloon Rider © Planned Unit Developme Rider [] Biweekly Payment Rider 1-4 Family Rider Revocable Trust Ri C1 Othes(s) (specify) @ “Applicable Law” means all controlling applicable federal, state and local stanxes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions, ® “Community Association Dues, Fees, and Assessments” means all dues, fees, asscssments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. «) “Electronic Funds Transfer” means any transfer of funds, other than a transaction originated by check, le draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or ic tape so us to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions; transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. a) “Escrow Items” means those items that aro described in Section 3. (™) “Miscellaneous Proceeds” means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, of omissions as to, the value and/or condition of the Property. @) “Mortgage Insurance” means insurance protecting Lender against the nonpayment of, or default on, the (O) “Periodic Payment” means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. @) “RESPA” means the Real Estate Scttlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that govems the same subject matter. As used in this Security Instrument, “RESPA” refers to all requirements and restrictions that are imposed in regard to a “federally related mortgage loan” even if the Loan does not qualify as a “federally related mortgage loan” under RESPA. Florida Mortgage Singio Furaly--Fannic Mae/Freddie Mac UNIF¢ "ORM INSTRUMENT MERS Madified Form 3018 61/01 THe ComPLiaNce, Poge2erie OIF 1 A go a ‘wow complinacanouren com (© 2004, The Compliawen Sones, Jac. ® AA__(Yn Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL @ ®) “Property” means the property that is described below under the heading “Transfer of Rights in the ) “Loan” means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. @® “Riders” means all Riders to this Security Instrument that are executed by Borrowcr. The following Riders arc to be executed by Borrower (check box as applicable]: Adjustable Rate Rider O Condominium Rider Second Home Rider Balloon Rider © Planned Unit Developme Rider [] Biweekly Payment Rider 1-4 Family Rider Revocable Trust Ri C1 Othes(s) (specify) @ “Applicable Law” means all controlling applicable federal, state and local stanxes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non-appealable judicial opinions, ® “Community Association Dues, Fees, and Assessments” means all dues, fees, asscssments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. «) “Electronic Funds Transfer” means any transfer of funds, other than a transaction originated by check, le draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or ic tape so us to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions; transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. a) “Escrow Items” means those items that aro described in Section 3. (™) “Miscellaneous Proceeds” means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or (iv) misrepresentations of, of omissions as to, the value and/or condition of the Property. @) “Mortgage Insurance” means insurance protecting Lender against the nonpayment of, or default on, the (O) “Periodic Payment” means the regularly scheduled amount due for (i) principal and interest under the Note, plus (ii) any amounts under Section 3 of this Security Instrument. @) “RESPA” means the Real Estate Scttlement Procedures Act (12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X (24 C.F.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that govems the same subject matter. As used in this Security Instrument, “RESPA” refers to all requirements and restrictions that are imposed in regard to a “federally related mortgage loan” even if the Loan does not qualify as a “federally related mortgage loan” under RESPA. Florida Mortgage Singio Furaly--Fannic Mae/Freddie Mac UNIF¢ "ORM INSTRUMENT MERS Madified Form 3018 61/01 THe ComPLiaNce, Poge2erie OIF 1 A go a ‘wow complinacanouren com (© 2004, The Compliawen Sones, Jac. ® AA__(Yn Filed 03/01/2018 03:25 PM - Karen E. Rushing, Clerk of the Circuit Court, Sarasota County, FL @ “Successor in Interest of Borrower” means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. COUNTY of SARASOTA iption {Type of: of Recording Jurisdiction}, {Name of Recording Jurtadiction] which has a le; SEE ATTACHED SCHEDULE A which currently has the address of 1855 BAYSHORE DRIVE ENGLEWOOD, Florida 34223 (“Property Address”): [Chy} (Zip Code} TOGETHER WITH ail the improvements now or hereafter erected on the property, and all casements, appurtenances, and fixtures now or hereafter a part of thc property. All replace and additions ments shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the “Property.” Borrower understands and agrees that MERS holds only legal title to the interests granted by Borrower in thi Security Instrument, but, if necessary to comply with law or custom, MERS (as nominee for Lender and Lender's ‘success and assigns) has ors the right: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property, and to take any action required of Lender including, but not limited to, releasing and canceling this Security Instrument. BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of Borrower warrants and will defend generally the title to the Property against all claimas and demands, subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS. Borrower and Lender covenant and a