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200210817 <br />j) Application of Payments. Unless otherwise required by law, sums paid to Lender <br />hereunder, including, without limitation, payments of principal and interest, insurance <br />proceeds, condemnation proceeds and rents and profits, shall be applied by Lender to <br />the amounts due and owing from Truster and Borrower in such order as Lender in its <br />sole discretion deems desirable. <br />k) Severabihtv. If any provision of this Deed of Trust conflicts with applicable law or is <br />declared invalid or otherwise unenforceable, such conflict or invalidity shall not <br />affect the other provisions of this Deed of Trust or the Note which can be given effect <br />without the conflicting provision, and to this end, the provisions of this Deed of Trust <br />and the Note are declared to be severable. <br />1) Terms. The terms "Trustor" and "Borrower" shall include both singular and plural, <br />and when the Truster and Borrower are the same person(s), those terms as used in <br />this Decd of Trust shall be interchangeable. <br />m) Govemine Law. This Deed of Trust shall be governed by the laws of the State of <br />Nebraska. <br />Trustor has executed this Deed of Trust as of the date written above. <br />s �a/(C <br />Shay owan <br />(a�N I <br />J ccy L-A4cGowan <br />STATE OF NEBRASKA <br />(ss: <br />COUNTY OF HALL ) <br />The forgoing Deed of Trust was acknowledged before me this 4' day of October, 2002 <br />by Shay P. McGowan and Jacey L. McGowan Huband and Wife. <br />My commission expires: <br />F <br />Notary Public <br />GENERAL NOTARY -State al Nebraska <br />DAVID F. DOHMEN <br />My Comm. EMp. A% 4, 2004 <br />mcgowan DOT 750,OOO.doc 6 of 6 <br />