JOSEPH E. FILE # 3874841 Doc Tax: $266.00 OR BOOK 3557 Int Tax: $152.00 Rerum To! Homelife Title, LLC 3731 NE Pineapple Avenue, Suite A Jensen Beach, FL 34957-7275 ‘Tais document was prepared by: SMITH, CLERK OF THE CIRCUIT COURT - SAINT LUCIE COUNTY PAGE 2726, Recorded 09/11/2013 at 11:43 AM Co rosset 5 Colorado Avenue ‘Styart, FIX34944 YO 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 tsed in this document are also provided in Section 16. [Space Above oveeran0nngeen 00 > (A) "Security Instrument" means this document, which is dated August 30, 2013 together acting solely as | CO), (©) "MERS" is Mortgage Electronic Registration Systems, Ine. MERS i nominee for Lender and Lender's successors and assigns. y his (wife Noor Au \" ™ 2?) > 8 separate corporation that is MERS is the mortgagee lunder this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an castes} iy ‘address and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. (D) "Lender" is Seacoast National Bank FLORIOA-Singia Family-Fennie Mae/Frodale Mac UNIFORM INSTRUMENT WITH RERS Psa a0, Page a8 13-07-002752° Form 3010 1701OR BOOK 3557 PAGE 2727 eB ited(States of Aner Stuart} F349 :) “Note” means the p ‘The Note states that Bory gars 001 ) plus int Payments 2 y the debs in| "Property" megs the property that is Prope (G) "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. GH) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following Riders are o be executed by Borrower [check box as applicable}: Adjustable Rate Rider ["] Condominium Rider ‘Second Home Rider Balloon Rider Planned Unit Development Rider [J 1-4 Family Rider VA Rider Biweekly Payment Rider Tonner tspecity] © "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordia administrative rule fers (that have the as well ~, ici opinio Assbcia ess that are\ imppsed/on perty py al ilar organization. “"Blectronic Funds means any|trangfer of ck, draft, or similar pape instrument, whfeh i initiat \ Soe si tape soap ovr, int, or eredit an accoypts Such term i is sot limite to] point-of-sale transfers, aut codin_tmsaton pont an ers. C ji (L) "Excrow items" means those Wi fare described in Section 3. (M) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other thaa insurance proceeds paid under the coverages described in Section 5) for: () damage to, or destruction of, the Property; (i) condemnation or other taking of all or any part of the Propery; (ii) conveyance in lieu of condemnation; or (iv) misrepresentations of, or omissions as to, the value md/or condition of the Property. (N) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan, (0) "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. 13-07- 002752 FLORIOA-Single Farly-Fannie Mae/Freddle Mac UNIFORM INSTRUMENT WITH ME —Form 3019-101 J (YO)T Yo Y |OR BOOK 3557 PAGE 2728 : Wer's Covenants and agreements under this ‘Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to ‘MERS (solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS, the following described property located in the County [Type of Recording Jursicton) ofSt. Lucie {Name of Recording Yurtiton|: Lot 15, Block 76, PORT ST. LUCIE SECTION TWENTY-EIGHT, according to the Bap or plat thereof as recorded in Plat Book 14, Page 7, 7A through 7C, Public Records of Saint. Lucie County, Florida. The nortgagor, Seddique Nateen, covenants with the Mortgagee the above described real property is not now nor has it ever been (nor will it be) the honestead of the mortgagor and that he actually resides at: 519 SW Baysh joulevard, Port Ao 4 ~ ~, Se 3 S37SN Bayshore 8 0 -635-0 0-0 ~_Yilsh eurenny (Sas the aes vd _ ‘ 1 Port SE Lucie [Cin], Florida 34983 (ip Code} ("Property Address") TOGETHER WITH all the improvements now or hereafter erected on the progeny, and al easements, appurtenances, and fixtures now or hereafter a part of the property. All replacarnents and ‘additions shall also be covered by this Security Instrument. All of the foregoing is referred to in is Security Instrument as the "Property." Borrower understands and agrees that MERS holds only legal tile to the interests granted by Borrower in this Security Instrument, but, if necessary to comply with law OF Custom, MERS (as nominee for Lender and Leaders succausors and satgna) has ie ight: to exercise any or all of those interests, including, but not limited to, the right to foreclose and sell the Property; and t0 lake any action required of Lender including, but not limited to, releasing and canceling this Security Instrument, 13-07-002752 FLORIDA-Single Famiy-Fannfe Mae/Froddlo Mac UNIFORM INSTRUMENT WITH MER (MONE Yo Y eS db 30% ~OR BOOK 3557 PAGE 2729 ppursunnt (o Section 3, Paymenis due under the Note and this Security Instrument shall be made in U.S. earreney. However, if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to Lender unpaid, Lender may require thet any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms, a slected by Lender: (a) eash; (b) money order; (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality, or entity; or (4) Electronic Funds Transfer, Payments are deemed received by Lender when received at the location designated in the Note or st such other location as may be designated by Lender in accordance with the notice provisions in Section 15, ‘Lender may return any payment or partial payment if the payment or partial payments are insufficient to Dring the Loan current. Lender may accept any payment or partial payment insufficient to bring the Loan Tho Nolet th s Secuy ran = ‘Appl = __payments accepted and applied by Leader shall be applied in the following order of priority: (a) interest “due under the Note; (b) principal due under the Note; (c) amounts due under Section 3. Such payments ‘shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts Shall be applied first ro Inte charges, second fo anyother amounts due ender this Security Tasrtpen, nd then (rede the principal balance ofthe Note, It Lender receives payment from Borrower fora delinquent Priodle Payment whieh includes a sufficient amount o pay any late charge due the peyment may be applied to he ellaguent payment ead the las charg, Ifmore than one Periodic Payment is outstanding, Lender may apply any payment received from Borower tothe repymeat of the Periodic Payments If, and to he exon tht, each payment 13-07- 002752 and agreements secured FLORIDA-Singla Farnly-Fennle Maa/Frodde Mc UNIFORM INSTRUMENT WITH Mt — (YD IVES Sb Fern 3019-101 JOR BOOK 3557 PAGE 2730 Periodic Pa)ments applied tothe full payment of >) plage. Veja) Bed in the Ni ds to principal eve uxder Periodic Peymetts. ue wer the Note, until for payment off amounts due = (2) taxes and assess in priority over this Security Inbtrument as a lie 3 rents on the if aay) smiums for an 5; and (@) Mortgage Insuragte Tender in liew of the payment of Mortgage Insurme premiums in accordance with the provisions of Section 10. These items are called "Escrow Items.” At origination or at any time during the term of the Loan, Lender may require thet Community Association Dues, Fees, and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Eserow Item. Borrower sbell promptly furnish to Lender all notices of amount to be paid under this Section. Borrower shall pay Lender the Fonds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items, Lender may waive Borrower's cblignion to pay to Lender Funds for any or all Escrow tems at any time, Any such waiver may only be in wring. tn tha event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Bserow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furish to Lender receipts evidencing such payment within such time period as Lender may require. Borrower's obligation to make such payments and to provide receipts shall forall purposes be deemed to bea i 9 ich amounts, that are Lender may, at any Vi see Law. ‘The Funds shall be held in an instintion whose deposits are insured by a federal agency, instrumentality, or entity (including Lender, if Lender isan institution whose deposits are so insured) or in any Federal Home Loan Bank, Lender shall epply the Funds o pay the Eserow Items to later then the time specified under RESPA. Lender shall not cherge Borrower for holding and applying the Funds, annually analyzing the escrow account, of verifying the Escrow Items, unless Lender pays Borrower interest on the Funds end Applicable Law permits Lender to make such a charge. Unless an agreement is made in writing or Applicable Law requires interest. be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds. Borrower and Lender can agree in writing, however, that interest 13-07-002752 FLORIDA-Singla Farlly-Fonnie Mee/Freddie Mac UNIFORM INSTRUMENT WITH MER; aa OLY dE S5 — Fern 30191101 JOR BOOK 3557 PAGE 2731 ayments. If thete is & deficiency of =o ot up eficie ordi ee to ‘unds held by Lender. a, Dart, i, iin ‘ground rents on the Property, if any, and Community Association Dues, Fees, and Assessments, if any. To foes te. fe ge eit a ee ees en mapa ger con a a eee eae ee ey crm eee ene me rn mei by, or defends against enforcement of the lien in, legal proceedings which in Lender's opinion operate to Bc i oo pence i ree ego ie So to oe tne ee . The ic ‘by Borrower sib 5 right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (a) a one-time charge for flood zone determination, certification and tracking services; or (b) & one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the paysoent of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower, 13-07- 002752 FLORIDA-SingleFamly-Fannie Mae/Fraddle Mae UNIFORM INSTRUMENT WITH Mi — For 3010, UY aR COIN?OR BOOK 3557 PAGE 2732 nm y abknowledges that the insurance that Borrower ui oeNote jer and renewals OF Such Policies shall be subject to Le right (o disapprove such polices, shall include a standard mortgage clause, and shall name Lender as ‘mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates, If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include # standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. Borrower shall give prompt notice to the insurance carrer and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree {in wellng, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall ‘be applied to restoration or repair of the Property, ifthe restoration or repair is economically feasible and iterest or earnings on Bprrower shall not be ps tty restoration or repair [Securify would be lessened, proveeds shall bs Appl strument, whether or 2 excest, T any, paid to ided for Set ied in the o If Borrower abandons the Property, Lender may file, negotiate and settle any available insurance claim and related matters. If Borrower does not respond within 30 days to a notice from Lender that the insurance carrer has offered to settle a claim, thea Lender may negotiate and setle the claim. The 30-day period will begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or otherwise, Borrower hereby assigns to Lender (a) Borrower's rights to any insurance Proceeds in an amount not to exceed the amounts unpaid under the Note or this Secarty Instrument, and (©) ary other of Borrower's rights (other than the right to any refund of unearned premiums paid by Borrower) under all insurance policies covering the Property, insofar es such rights are applicable to the coverage of the Property. Lender may use the insurance proceodselther to repair or restore the Property ot to pay amounts unpaid under the Note or this Security Instrument, whether oF not then due. 13-07-002752 FLORIDA-Singls Famiy-Fennle Mae/Fredla Msc UNIFORM INSTRUMENT WITH MER (YO BN7 Yo YY BedsOR BOOK 3557 PAGE 2733 1. Preservation, troy, damage or i erty. Wheth ordero prev ined pursu Borrower shall maintain due to its: ically feast rep ‘or damage, ‘condemnation proceeds are paid in connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds for the repairs and restoration ina single payment or in a series of| progress payments as the work is completed. Ifthe insurance or condemnation proceeds are not sufficient to repair or restore the Property, Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration, Lender or its agent may make reasonable entries upon and inspections of the Property. If it has reasonable cause, Lender may inspect the interior ofthe improvements on the Property. Lender shall give Borrower notice atthe time of or prior to such an interior inspection specifying such reasonable cause, 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's misleading, as to ‘alled to pro i {nck Prpperty as Borrewers p 9. Protecto Borrower fails to perform essing the valus of the Property, and securing andor repairing the Property. Lender's actions can include, but are not limited to: (a) paying any sums secured by a lien which bas priority over this Security Instrument; (6) appearing in court; and (c) paying reasonable attorneys’ fees to protect its interest in the Property and/or rights under this Security Instrument, including, its secured position in a bankruptey proceeding, Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building oF other code violations or dangerous conditions, and have utilities turned ‘on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not ‘under eny duty or obligation to do so. It is agreed that Lender incurs no liability for not taking. any or all setions authorized under this Section 9. 13-07- 002752 FLORIDA.Singls Femiy-Fannio Mae/Fradda Mac UNIFORM INSTRUMENT WITH MERS Fone 8019-4103 = a , Yo (C | bn ( =)OR BOOK 3557 PAGE 2734 If Lender requifed Mortgagg Insurance ng required to pAei " shall_pay_the premiums ‘covernge substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate ‘mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Leader the amount of the separately designated payments that Were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these Payments as a non-refundable loss reserve in lieu of Mortgage Insurance, Such'loss reserve shall be non-refundable, notwithstanding the fact that the Loan is vltimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve, Lender can no longer require loss reserve payments if Mortgage Insurance coverage (in the amount and for the period that Lender requires) provided by an insurer selected by Lender again becomes available, is obtained, and Lender requires separuely designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately desiguated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maint age Insurance in Of to provide a non-refundable loss reserve, until Lender's ms), ‘As a result of these agreements, Lender, any purchaser of the Note, another insurer, any relnsurer, any other entity, oF any affiliate of any of the foregoing, may receive (directly or indirectly) amounts thai ‘rive from (or'might be charscterized as) @ portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affliste of Lender takes a share of the insurer’s risk in exchange for a share of the ‘premiums pafd to the insurer, the arrangement is often termed "captive reinsurance." Further: (@) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan, Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and titey will not entitle Borrower to any refund. 13-07 -002752 FLORDA-Singla Forly-Fannie Mas/Fredde Mac UNIFORM INSTRUMENT WITH. PO ay Yo YY =) CyOR BOOK 3557 PAGE 2735 Il. Assignment of Mitcellancous Pro ua Lender. is aged, such MisceHane ‘applied to restoration or repair of i ation ‘or repair ix’ econdmically feasitile and Lender's security is not lessened, 1 la, Le al a i ih oad meh ens Pree to ensus¢ the work has’ Lender's satisfaction, provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds, Lender shell not be required o pay Borrower any interest or earnings on such Miscellaneous Proceeds, Ifthe restoration or repair is not economically feasible or Lender's security would be lessened, the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument, ‘whether or not then due, with the excess, if any, pald to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2, In the event of a total taking, destruction, or loss in value of the Property, the Miscellaneous Proceeds shall be epplied to the sums secured by this Security Instrument, whether or not then due, with the excess, if any, paid to Borrower. In the event of a partial taking, destruction, or loss in value of the Property in which the fair market value of the Property immediately before the partial taking, destruction, or loss in value Is equal to or ‘rceter than the amount of the sums secured by this Security Instrument immediately before the > ake a . ‘Borrower fails to respond to Lender within 30 days aftr the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds elthor to restoration or repair of the Property or to the sums tecured by this Security Instrument, whether or not thea due. “Opposing Party” means the third paty that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds, Borrower shall be in default if aay action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lander’s interest inthe Property or rights under this Security Instrumeat. Borrower can cure such a defeult and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling thet, in Lender's judgment, precludes forfeiture ofthe Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of 13-07-002752 (~(O) | NZ OY ES =)OR BOOK 3557 PAGE 2736 payment or modification gf ambrtizaion of the sums|secured|by tg Borrower or any Succdssor in Interest of Bostower shall bi et any Successors in Intefest of Borrower. ired to-commence proceedings against ‘Successor in Interest\of Borrower or t9 modify zation ofthe suihs sebured by this Ser y ‘gina lorrower or ahy Sucgessors tn Into rin eneisg may Fgh OF reinedy including, sfithout limitation, Lender's sccaptance of payments from third pecsons, enti ‘Successors in Interest of Borrower oF in amounts less then the amount then due, shall not be e waiver of or Preciude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co-sigas this Security Instrument but does not execute the Note (a "co-signer"): (a) is co-signing this Security Instrument only to mortgegs, grant and convey the co-signer’s interest in the Property under the terms ofthis Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extond, modify, forbear or ‘make eny accommodations with regard to the terms of this Security Instrument or the Note without the covers onset, . beet to the provisions of Section 18, ay Successor in Interest of Borrower who assumes ‘Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from to Borrower shall not that are expressly prohibit If the Loan is-subject bp a at Fo Tris, thor charg tothe-pertitied limit; end ‘already collec a limits will be refunded to Borrower. Lender may choose 1o make this refund by reducing the principal owed under the Note or by making e direct payment to Borrower. If a refund reduces principal, the reduetion will be treated as a partial prepayment without any prepayment charge (whether of tot a prepayment charge is provided for under the Note). Borrower's acceptance of any such refund made by Girect payment to Borrower will constitute a waiver of any right of action Borrower might have arising oUt of such overcharge, 1S. Notices. All notices given by Borrower or Lender in connection with this Security Instrument ‘ust ben writing, Any notiea to Borrower in connection with this Security Instrument shall be daomed to bave been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means. Notice to any one Borrower shall constinite notice to all Borrowers 13-07-002752 FLORIOA-Single Farly-Fannle Mau/Frodie Mac UNIFORM INSTRUMENT WITH MEGS FoR woe S cbOR BOOK 3557 PAGE 2737 fis Security I governed by federal law and the law of the jurisdiction in which the Property is located, All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contractor it aight be silent, but such silence shall not be construed as a prohibition against agreement by contract. 11 the event that any provision or clause ofthis Security Instrument or the Note conflicts with Applicable Law, such confit shall not affect other provisions of this Seourity Tnstrument or the Note Which can be siven effect without the conflicting provision, ‘As used in this Security Instrument: (e) words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender; b) words inthe singular sbll mean and Include the plural and vice versa; and (c) the word "may" gives sole discretion without any obligation to take any action. 17. Borrower's Copy. Borrower shal be given one copy of the Note and ofthis Security Instrament, Security Insirument without further notice or demand on Borrower. 19, Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (a) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (c) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if wo acceleration had occurred; (b) cures any default of any other covenants oF agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited (0, reasonable attomeys’ fees, property inspection and valuation fees, and other fees incurred for the 13-07 -002752 FLORIDA § (CO) J BX WoW > ¢ =)OR BOOK 3557 PAGE 2738 resent; and (2), the Propéry and_) this suri ims xd ney “order, (©) such check Is drawl upon obligations sefured horeby f, this right to retnehte 7 svicer; Notice of Grievance, The Note or a partial interest in the Note (together with this Security Iastrument) can be sold one or more times without prior notice to Borrower. A sale might result in e change in the entity (known as the “Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be ‘one of more changes of the Loan Servicer unrelated to a sale ofthe Note, If there is a change of the Loan Servicer, Borrower will be given written notice ofthe change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA requins in connection witha notice of trensfer of servicing, If the Note is sold and thereafter the Loan is serviced by a Loan Servicer other than the purchaser of the Note, the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. it wer nor Lender joi Applicable Law provides|e ts petiod will be deemed tolbe be wer PurSUnt to Sect rovisions ofthis Section 20__ 21. Hazardous Substances. As used in this Section 21: (@) "Hazardous Substances" are those substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the following substances: gasoline, Kerosene, other flammable or toxic petroleum products, toxic pesticides and herbices, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (©) "Eavironmental Law" meaas federal laws and laws ofthe jurisdiction where the Property is loctted that relate to health, safety or environmental protection; (c) "Environmestal Cleanup" includes any response action, remedial action, or removal action, as defined in Environmental Law; and (d) an *Eavironmental Condition" means a condition thet can cause, contribute to, or otherwise trigger an Environmental Cleamp. 13-07 -002752 FLORIDA-Single Farily-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT WITH Wt CPC Bay Yo Y |OR BOOK 3557 PAGE 2739 condition that ‘two sentences shall not hpply to the presencd, us us Substances that ard generally reco} shinenace of te Cinbluding, but got lis rower sill pjomplly gi ‘otic other action by apy govt Haz ce or Envirdt w of which Borrower has actual knowledge, (b) any Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a Hazanious Substance which adversely affects the value of the Property. If Borrower learns, or is notified by any governmental or regulatory authority, or any private party, that any removal or other remediation of any Hezardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary ‘remedial actions in accordance with Eavironmental Law. Nothing herein shall create any obligation on ‘Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS, Borrower and Lender further covenant and agree as follows: 122, Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). ‘The notice shall specify: (a) the default; (b) the action cure the default; Dut not-tfnited to, Feasgnable sttneys' fees and casis of 23. Release, Upon payment of all sums secured by this Security Instrument, Lender shall release this Securty Instrument, Borrower shall pay any recordation costs, Lender may charge Borrower a fee for ‘leasing this Security Insrument, but only ifthe fee is paid to a third party for services rendered and the charging ofthe fee is permitted under Applicable Law. 14, Attorneys’ Fees, As used in this Security Instrument and the Note, attorneys’ fees shall include those awarded by an appellate court and any attorneys" fees incurred in a bankzuptcy proceeding 28. Jury Trial Waiver. The Borrower hereby waives any right to a trial by jury in any action, proceeding, claim, or counterclaim, whether in contract or tort, at law or in equity, arising out of or in any ‘way related to this Security Instrument or the Not 13-07 -002752 FLORIDA-Single Forily-Fannle Mas/Fraddle Mac UNIFORM INSTRUMENT WITH MERS 3019-101 (AO) BR? woe 5OR BOOK 3557 PAGE 2740 ts and agpees tothe te ints comained/in this >) Borrower and recorded with it. S a | onap wateen slazth street uni wipers FL 34982 (aaaeeyy La (Seal) Noor Selman ~Bonover 2513 S 17th Street 7 Fors Pierce (Adres) (Seal) (Seal) “Borrower “Berover Seddique Nateen KO aD Cc _) se) “Borrower -Borower (address (Ades) 13-07 -002752 FLORIDA-Single Ferlly-Fonnie MaeiFcedde Mac UNIFORM INSTRUMENT WITH MERS COEM