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20120650v 14. Gover�ing Law This Second Deed of Trust shall be governed by and construed in accordance with the laws of the State of Nebraska. In the event that any provision or clause of any of the Loan Instruments conflicts with applicable laws, such conflict shall not affect other provisions of such Loan Instruments which can be given effect without the conflicting provision, and to this end the provisions of the Loan Insmttnents are declared to be severable. This instrument cannot be waived, changed, discharged or terminated orally, but only by an instrument in wriring signed by the party against whom enforcement of any waiver, change, discharge or tecmination is sought 15. Reconveyartce by Truste� Upon written request of Beneficiary stating that all sums secured hereby have been paid and upon surrender of this Second Deed of Trust and any note to Trustee for cancellation and retenrion and upon payment by Trustor of Tnistee's fees, Tnistee shall r�onvey to Trustor, or the person or persons legally entitled thereto, without warranty, any portion of the Trust Estate then held hereunder. The recitals in such reconveyance of any matters or facts sha11 be conclusive pr�f of the truthfulness thereaf. The grantee in any reconveyance may be described as "the person or persons legally entitled thereto." 16. Notices. Whenever Beneficiary, Trustor or Trustee shall desire to give or serve any notice, demand, request or other communication with respect to this Second Deed of Trust, each such notice, demand, request or other communicadon shall be in writing and shall be effective only if the same is delivered by personal service or mailed by certified mail, postage prepaid, return receipt requested, addressed to the address set forth at the beginning of this Second Deed of Trust. Any party may at any time change its address for such notices by delivering or mailing to the other parties hereto, as aforesaid, a norice of such change. 17. Acceptance by Truste� Trustee accepts this Trust when this Second Deed of Trust, duly executed and acknowledged, is made a public recard as provided by law. IN WITNESS WHEREOF, Trustor has executed this Second Deed of Trust as of the day and year first above written. STATE OF NEBRASKA ) ) ss. cotnv� oF x8u � �vel,��ZdL,E'Z �%N� TrustorBorrower Raudel Gonzalez Pina The foregoing instrument was acknowledged before me this 3rd �y of Au ust , 2012 by Raudel lez Pina � . No Public My Commission Expires: 07/30/2014 Roberta L Reed GENERAL NOTARY - �ate of N�raska ROBERTA L t� � My Comm. Exp. Juy 30, 2014 STATE OF NEBRASKA COUNTY OF Hall ) ) ss. ) �.�%f�C�s�T��d�� r TrustorBorrower Isabela Pascual Gaspar The foregoing instrument was acknowledged before me this 3rd day of August � 2012 by Isabela Pascual Gaspar No Public My Commission Expires: 07/30/2014 Roberta L Reed GENERAL NOTARY- State of N�raska R08EtiiA L REED �y c�nm. �.1uy 30, zo14 5 NIFA HBA Advantage Loan/Form H (03/2012) 3718.CV (4/12) 907885 GOTO(00211e29) 4826-5279-3871.2