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�01208645 14. Governing 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 Instsuments 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 Instruments are d�lared to be severable. This instrument cannot be waived, changed, discharged or terminated orally, but only by an insmiment in writing signed by the party against whom enforcement of any waiver, change, discharge or termination is sought 15. Reconveyance by Truste� Upon written request of Beneficiary staring that all sums secured hereby have been paid and upon surrender of this Second Deed of Trust and any note to Trust� for cancellation and retention and upon payment by Trustor of Trustee's fces, Trustee shall reconvey to Trustor, or the person or persons legally entitled thereto, without warranty, any portion of the Trust Estate then held hereunder. The r�itals in such reconveyance of any matters or facts shall be conclusive proof of the truthfulness thereof. The grantee in any reconveyance may be described as "the petson or persons legally entitled thereto." 16. Notices Whenever Beneficiary, Trustor or Trustee shall desire to give or serve any notice, demand, request or other communicarion with respect to this Second Deed of Trust, each such notice, demand, request or other communication 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 rime change its address for such notices by delivering or mailing to the other parties hereto, as aforesaid, a notice of such change. l7. Acceptance by Truste� Trustee accepts this Trust when this Second Deed of Trust, duly executed and acknowledged, is made a public record 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 COUNTY OF xau ) ) ss. ) TrustorB rrower Stephen R Moffre The foregoing instrument was acknowledged before me thisl5th�y of October , 2012 by Stephen R Moffre � Notary Public My Commission Expires: 12/17/2014 Irvin J Reed 6ENEHI�i. NOTARY - S�be of Nebraska IRVIN J. REED f�yCanm. Exp. Dec.17, �14 STATE OF NEBRASKA COUNTY OF Hall ) ) ss. ) TrustorB ower Angela F Philbeck The foregoing instrument was acknowledged before me this 15th day of October � 2012 by Angela F Phtlbeck My Commission Expires: 12/17/2014 f�NERAI. NOT�R1f • Siate of Nebrasl� IRVIN J. REED �p Comm. Exp. Dec.17, 2d14 3718.CV (4/12) 908682 4826-5279-3871.2 � (� J 6 Notary Public Irvin J Reed NIFA HBA Advantage Loan/Form H (03/2012) GOTO(00231c3�