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L -5 86-104219 14. GOVERNING LAW. This Deed of Trust shall be governed by the laws of the State of Nebraska. In the event that any pro- vision 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 con- flicting provisions, and to this end the provisions of the loan instruments are declared to be severable. This instrument can- not 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 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 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 communication with respect to this 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 receipt re- quested, addressed to the address set forth at the beginning of this Deed of Trust. Any party may at this 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 executed and acknowledged, is made a public record as provided by law. IN WITNESS WHEREOF, Trustor has executed this Deed of Trust as of the day and year first above written. TRUSTEE. Trustee accepts this Trust when this Deed of Trust, duly exe- cuted and acknowledged is made a public record as provided by law. IN WITNESS whereof, Trustor has executed this Deed of Trust as of the day and year first above written. THOMAS S. NABITY ;JEANNE M. NABITY'~ TRUSTOR WILBUR J. MCCUMBER TRUSTEE BANK OF RIVER, A Nebraska Bankin Cor ration By re s i c' e ;I t - - - -- - - -- - - - -- LIE NFF [ C ir +s'v i