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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 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 Instruments are declared to be severable. This instrument cannot be waived, changed, discharged or terminated orally, but only by an instrument in writing signed by the party against whom enforcement of any waiver, change, discharge or termination is sought. 15. Reconveyance by Trustee. 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 retention and upon payment by Trustor of Trustee's fees, 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 recitals 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 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 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 time change its address for such notices by delivering or mailing to the other parties hereto, as aforesaid, a notice of such change. 17. Acceptance by Trustee. Trustee accepts this Trust when this Second Deed of Trust, duly executed and ac,Icnowledged, 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 ) ) ss. COUNTY OF. HALL The foregoing instrument was acknowledged before me this 31 day ofJarnraty , 2013 by Wendy Sue Stromberg, a single person. My Commission Expires: R . 3 GENERAL NOTARY - State of Nebraska MARLA K. HARRIS My Comm. Exp. July 8, 2013 STATE OF NEBRASKA COUNTY OF 4826 -5279- 3871.2 ) ss. The foregoing instrument was acknowledged before me this day of My Commission Expires: 5 201300812 1 : r�.�� Trustor/Borrowef NotarytPublic Notary Public by [ NIFA HBA Advantage Loan/Form H (03/2012)