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87- 101513 default and that any notice of sale be mailed to it at the address set forth in the first paragraph of this Deed of Trust. 14. GOVERNING LAW. This Deed of Trust shall be governed by the laws of the State of Nebiaska. 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 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. RECQNVEYANCE BY TRUSTEE. Upon written request of Beneficiary stating that all sums secured ere ve en 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, 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." 16. NOTICES. Whenever Beneficiary, Trustor or Trustee shall desire to give or serve any notice; demand, request or other ccmu- inication with respect to this Deed of Trust, each such notice, demand, request, or other cc munication 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. 17. ACCEPTANCE BY TRUSTEE. Trustee accepts this Trust when this Deed of Trust, duly execut ac g , is made a public record as provided by law. IN WITNESS LhTRREOF, Trustor has executed this Deed of Trust as of the day and year first above written. F � _ James F. Masat v ( � troroLyn A t STATE OF N'EBRASKA , i ) ss. County of Hall. ) foregoing instrument was acknowledged before me on the Dh' day of 1987, by James P. A1asat and Carolyn A. Masat. ? NLVTON Notary Public �w PLAIt S a IN W