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202402676 <br />13703549 <br />Certain rules regarding the usage of words used in this document are also provided in Section 17. <br />Parties <br />(A) "Borrower" is DREW D MORRIS AND MIRANDA J MORRIS HUSBAND AND WIFE, currently <br />residing at 3628 HIDDEN POINTE DR, GRAND ISLAND, NE 68803. Borrower is the trustor under <br />this Security Instrument. <br />(B) "Lender" is GATEWAY MORTGAGE, A DIVISION OF GATEWAY FIRST BANK. Lender is a <br />CORPORATION organized and existing under the laws of OK. Lender's address is 244 SOUTH GATEWAY <br />PLACE, JENKS, OK 74037. The term "Lender" includes any successors and assigns of Lender. <br />(C) "Trustee" is SCOTT GESELL. Trustee's address is 244 SOUTH GATEWAY PLACE, JENKS, OK <br />74037. The term "Trustee" includes any substitute/successor Trustee. <br />(0) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is <br />acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the beneficiary under <br />this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address <br />and telephone number of P.O. Box 2026, Flint, MI 48501-2026, tel. (888) 679-MERS. <br />Documents <br />(E) "Note" means the promissory note dated JUNE 14, 2024, and signed by each Borrower who is <br />legally obligated for the debt under that promissory note, that is in either (i) paper form, using Borrower's <br />written pen and ink signature, or (ii) electronic form, using Borrower's adopted Electronic Signature in <br />accordance with the UETA or E -SIGN, as applicable. The Note evidences the legal obligation of each <br />Borrower who signed the Note to pay Lender TWO HUNDRED FORTY—SEVEN THOUSAND AND <br />00/100 Dollars (U.S. $297,000.00) plus interest. Each Borrower who signed the Note has promised to <br />pay this debt in regular monthly payments and to pay the debt in full not later than JULY 1, 2054. <br />(F) "Riders" means all Riders to this Security Instrument that are signed by Borrower. All such Riders are <br />incorporated into and deemed to be a part of this Security Instrument. The following Riders are to be signed <br />by Borrower [check box as applicable]: <br />❑ Adjustable Rate Rider <br />1=11-4 Family Rider <br />❑ Second Home Rider <br />❑ Condominium Rider <br />❑ Planned Unit Development Rider <br />Other(s) [specify] <br />FORM E-3 <br />CONVENTIONAL AND <br />USDA RURAL <br />DEVELOPMENT <br />MORTGAGE ADDENDUM, <br />TAX—EXEMPT RIDER <br />(G) "Security Instrument" means this document, which is dated JUNE 14, 2024, together with all <br />Riders to this document. <br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021 <br />1011 25306.5 Page 2 of 2/ <br />Initials: 41t /1/ <br />1 <br />I ' <br />' <br />