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200412243 <br />Instruments are declared to be severable. This instrument cannot be waived, changed, discharged or terminated orally, but only by an instrument in <br />writing signed by the party against whom enforcement of any waiver, change, discharge or termination is sought. ` <br />15. Reoonveyance by Trustee. Upon written request of Beneficiary stating that all sums secured hereby have been paid and upon <br />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 <br />shall reconvey to Trustor, or the person or persons legally entitled thereto, without warranty, any portion of the Trust Estate then held hereunder. The <br />recitals in such reconveyance of any matters or facts shall be conclusive proof of the truthfulness thereof. The grantee in any reconveyance may be <br />described as "the person or persons legally entitled thereto." <br />16. Notices. Whenever Beneficiary, Trustor or Trustee shall desire to give or serve any notice, demand, request or other <br />communication with respect to this Second Deed of Trust, each such notice, demand, request or other communication shall be in writing and shall be <br />effective only if the same is delivered by personal service or mailed by certified mail, postage prepaid, return receipt requested, addressed to the <br />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 <br />mailing to the other parties hereto, as aforesaid, a notice of such change. <br />17. Acceptance by Trustee. Trustee accepts this Trust when this Second Deed of Trust, duly executed and acknowledged, is made a <br />public record as provided by law. <br />01-452309.2 <br />