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WHEN RECORDED, MAIL TO: <br />Gateway Mortgage Group, LLC <br />244 South Gateway Place <br />Jenks, OKLAHOMA 74037 -3448 <br />This instrument was prepared by: <br />Gateway Mortgage Group, LLC <br />244 South Gateway Place <br />Jenks, OKLAHOMA 74037 -3448 <br />877- 406 -8109 <br />NMLS# 7233; Originator: Ed Jarosik, NMLS# 470809 <br />Loan Number: 13151309 <br />IDS, Inc. - 30227 <br />ill I !%'!'I&I H1 <br />rn = <br />rn <br />f1 Z ciN <br />re <br />0'1 N <br />DEED OF TRUST <br />Borrower(s) Initials <br />[Space Above This Line For Recording Data] <br />MIN: 100287715001475230 <br />SIS Telephone #: (888) 679 -MERS <br />DEFINITIONS <br />Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, <br />20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. <br />(A) "Security Instrument" means this document, which is dated January 18, 2018, together with all Riders to this <br />document. <br />(B) "Borrower" is Derek J Apfel, a single person. Borrower is the trustor under this Security Instrument. <br />(C) "Lender" is Gateway Mortgage Group, LLC, organized and existing under the laws of Oklahoma. <br />Lender's address is 244 South Gateway Place, Jenks, OKLAHOMA 74037 -3448. <br />(D) "Trustee" is Fidelity National Title Insurance Company, a Nebraska Corp. <br />Trustee's address is 1901 N. Roselle Rd., Ste 650, Schaumburg, Cook County ILLINOIS 60195. <br />(E) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely <br />as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security <br />NEBRASKA - Single Family- Fannie Mae /Freddie Mac UNIFORM INSTRUMENT with MERS F 13028 1/01 <br />Page 1 of 13 <br />