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202404130 <br />13710592 <br />Certain rules regarding the usage of words used in this document are also provided in Section 17. <br />Parties <br />(A) "Borrower" is SKARLETH HERNANDEZ MONTEROLA A SINGLE PERSON AND STEVEN <br />CASTILLO A SINGLE PERSON, currently residing at 1921 W 5TH ST, GRAND ISLAND, NE <br />68803. Borrower is the trustor under 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 />(D) "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 AUGUST 23 , 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 THREE HUNDRED FIVE THOUSAND FOUR HUNDRED <br />FIFTY—THREE AND 00/100 Dollars (U.S. $305,453.00) plus interest. Each Borrower who signed the <br />Note has promised to pay this debt in regular monthly payments and to pay the debt in full not later than <br />SEPTEMBER 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 />❑ 1-4 Family Rider <br />❑ Second Home Rider <br />❑ Condominium Rider ® Other(s) [specify] <br />0 Planned Unit Development Rider TAX—EXEMPT RIDER <br />(G) "Security Instrument" means this document, which is dated AUGUST 23, 2024, together with all <br />Riders to this document. <br />Additional Definitions <br />(H) "Applicable Law" means all controlling applicable federal, state, and local statutes, regulations, <br />ordinances, and administrative rules and orders (that have the effect of law) as well as all applicable final, <br />NEBRASKA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3028 07/2021 <br />Ec 25306.5 <br />Initial 11 <br />Page 2 of 21 <br />