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200503818 k) Seyerability. If any provision of this Deed of Trust conflicts with applicable law or is declared invalid or otherwise unenforceable, such conflict or invalidity shall not affect the other provisions of this Deed of Trust or the Note which can be given effect without the conflicting provision, and to this end, the provisions of this Deed of Trust and the Note are declared to be severable. 1) Terms. The terms " Trustor" and "Borrower" shall include both singular and plural, and when the Trustor and Borrower are the same person(s), those terms as used in this Deed of Trust shall be interchangeable. m) Governing Law. This Deed of Trust shall be governed by the laws of the State of Nebraska. Trustor has executed this Deed of Trust as of the date written above. By: i ' " By: James P. Kramer LM By: By: STATE OF NEBRASKA) COUNTY OF Hall ) The forgoing Acknowledgement of Deed of Trust and Deed of Trust was acknowledged before me this 25th day of April , 2005 by James P. Kramer, A Single PmAon zigrid were exe in the order set forth above. State of BRUMMUND Nebraska M Notary Public My Comm. Exp. Dec. 24, 2006 STATE OF NEBRASKA) COUNTY OF ) The forgoing Acknowledgement of Deed of Trust and Deed of Trust was acknowledged before me this day of by of , a corporation, on behalf of the corporation, and were executed in the order set forth above. Notary Public STATE OF NEBRASKA COUNTY OF The foregoing instrument was acknowledged before me this day of by of , a limited liability company. Notary Public STATE OF NEBRASKA COUNTY OF ) The forgoing Acknowledgement of Deed of Trust and Deed of Trust was acknowledged before me this day of by a partner on behalf of a partnership, and were executed in the order set forth above. Notary Public Kramer DOT.doc 40 6 of 6