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5110331738 202402489 980121260560 (A) "Borrower" is VALERIE A MCDANIEL AND CLAYTON MCDANIEL, WIFE AND HUSBAND, currently residing at 1011 Cliff Ave, Riverton, WY 82501 US. Borrower is the trustor under this Security Instrument. (B) "Lender" is Premia Mortgage, LLC. Lender is a Limited Liability Company organized and existing under the laws of Delaware. Lender's address is 1111 W . Long Lake Road, Suite 102 , Troy, MI 48098. The term "Lender" includes any successors and assigns of Lender. (C) "Trustee" is Old Republic National Title Insurance Company. Trustee's address is 14323 South Outer 40 Road, Suite 200-S, Chesterfield, MO 63017. The term "Trustee" includes any substitute/successor Trustee. (D) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under this Security Instrument. MERS is organized and 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. Documents (E) "Note" means the promissory note dated June 3, 2024, and signed by each Borrower who is legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower's written pen and ink signature, or (ii) electronic form, using Borrower's adopted Electronic Signature in accordance with the UETA or E -SIGN, as applicable. The Note evidences the legal obligation of each Borrower who signed the Note to pay Lender Two Hundred Fifty Thousand And 00/100 Dollars (U.S. $250 , 000 .00) plus interest. Each Borrower who signed the Note has promised to pay this debt in regular monthly payments and to pay the debt in full not later than July 1, 2054. (F) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed by Borrower [check box as applicable]: ❑ Adjustable Rate Rider ❑ Condominium Rider ❑ Other(s) [specify] ❑ 1-4 Family Rider 0 Planned Unit Development Rider 0 Second Home Rider (G) "Security Instrument" means this document, which is dated June 3, 2024, together with all Riders to this document. Additional Definitions (H) "Applicable Law" means all controlling applicable federal, state, and local statutes, regulations, ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable final, non -appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments, and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association, or similar organization. NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021 FEJA 25306.5 Page 2 of 21