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13. Request For Notice. Trustor and all other parties set forth herein hereby requests a copy of any Notice of Default and a copy of any Notice of Sale hereunder be mailed to them at the address set forth in the first paragraph of this Second Deed of Trust. 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 for O of the Trust Estate then held hereunder. The recitals in such reconveyance of any matters or facts shall be conclusive proof of the It truthfulness thereof. The grantee in any reconveyance may be described as "the person or persons legally entitled thereto." I+ 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 iz receipt requested, addressed to the address set forth at the beginning of this Second Deed of Trust. Any part may at any it N+ 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 acknowledged, is made a public record as provided by law. IN WITNESS WHEREOF, Trustor has executed this Second Deed o rust s of the day and Scar first above written. Tr6tor R an Klootwyk STATE OF NEBRASKA > ss: COUNTY OF Hall The foregoing instrument was acknowledged before me this 25th day of by SHERRI L. O'CALLAGHAI My Comm Ery. Sept, 28. 2003 My Commission Expires: I aso, Beth Klootwyk STATE OF NEBRASKA ))y COUNTY OF Hall 111 ss: The foregoing instrument was acknowledged before me this 35th day of October 2002 by Beth Klootwyk_ My Commission Expires: SHERRI L. O'CALLAGHA My Comm. UL. Sept 28. 2003 EXHIBIT A LEGAL DESCRIPTION Lot Five (5), Anderson Subdivision, in the City of Grand Island, Hall County, Nebraska.