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14. Request for Notice. Trustor, Trustee and Beneficiary hereby request a copy of any notice of defAU ` P A97,Jof sale hereunder be mailed to them at the addresses set forth in the first paragraph of this Deed of Trust. 15. Governing Law. This Deed of Trust shall be governed by 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 conflicts shall not affect other provisions of such Loan Instrument 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. Trustee fees shall not be waived by Beneficiary's acceptance of principal or interest; only Trustee may waive Trustees fees, which shall be in writing. 16.Reconveyance by Trustee. Upon written request of Beneficiary stating that all sums secured hereby have been paid, and upon surrender of this Deed of Trust and the Note to Trustee for cancellation and retention and upon payment by Trustor of Trustee's fees not exceeding One Hundred Dollars, Trustee shall reconvey to Trustor, or to 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 ". 17.Notices. Whenever Beneficiary, Trustor or Trustee shall desire to give or serve any notice, demand, request or other communication with respect to this 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 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. 18.Acceptance by Trustee. Trustee accepts this Trust when this Deed of Trust, duly executed and acknowledged, is made a public record as provided by law. 19. Trustor waives notice of election to declare the whole debt due as herein provided, and the benefit of all stay, valuation, homestead, and appraisement laws. To the extent allowed by law, Trustor waives all rights of redemption to the above described real estate. Trustor Trustor State of Nebraska County of Lancaster I— The foregoing Deed of Trust was acknowledged before me on this day r Of �� L, .� 201?f� , by: Notary Public 4 Trustor. —QF•; J ANNA M. MACKEPRANG ;.Pi— `' o =�E ^ "`• ° MY COMMISSION EXPIRES February 6 , 2002 4 Trustor.