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WHEN RECORDED MAIL TO: First Dakota National Bank First Dakota - Yankton Downtown 225 Cedar Street PO Box 156 Yankton, SD 57078 GRANTOR: X Panowicz aka - arita Panowicz 1 1 a DISCLAIMER OF HOMESTEAD, Executed pursuant to Section 4(3)(a) and (by/of the Farm Homestead Protection Act v% Cr) ::. • FOR R< ia<OFiiDER'q USE ONLY GRANTOR: John A Panowicz aka John Panowicz and Sarita A Panowicz aka Sarita Panowicz LENDER: First Dakota National Bank LENDER'S ADDRESS: First Dakota- Yankton Downtown, 225 Cedar Street, PO Box 156, Yankton, SD 57078 PROPERTY LEGAL DESCRIPTION: Located in Hall County. State of Nebraska: Parcel 1: The Southeast Quarter (SE1 /4) of Section Twenty One (21), Township Twelve (12) North, Range Eleven (11) West of the 6th P.M., Hall County, Nebraska EXCEPT that portions more particularly described in Deed Recorded in Book 82, Page 605; Deed recorded as Document No. 83- 003267; Deed recorded in Book 4, Page 237; Deed recorded as Document No. 98- 102749; Deed recorded as Document No. 98- 102750; Deed recorded as Document No. 98- 102751; Deed recorded as Document No. 98- 102752; Deed recorded as Document No. 98- 102753; Deed recorded as Document No. 98- 102754; Deed recorded as Document No. 98- 102755 and Deed recorded as Document No. 98- 102756 and EXCEPT All that part of the South Half of the Southeast Quarter (S1/2SE1/4) Tying South of US Highway No. 2 and the Railroad Right of Way of Section Twenty One (21), Township Twelve (12) North, Range Eleven (11) West of the 6th P.M., Hall County, Nebraska Parcel 2: The Southwest Quarter (SW1/4) of Section Eleven (11), Township Twelve (12), North, Range Twelve (12) West of the 6th P.M., Hall County, Nebraska. The Real Property or its address is commonly known as Hall County, NE. UNDERSIGNED, John A Panowicz aka John Panowicz; and Sarita A Panowicz aka Sarita Panowicz, GRANTOR, hereby states that no part of Undersigned's homestead is presently, or in the future will be, situated upon the real estate described in the Deed of Trust. Undersigned also understands that if Undersigned establishes a homestead on any part of the real estate during the time the Deed of Trust remains unsatisfied and a lien upon the real estate. there will be no right to make a designation of homestead in the event of a trustee's sale upon such Deed of Trust. Further, Undersigned acknowledges that Undersigned has had an opportunity to read the proposed Deed of Trust with power of sale and that Undersigned is signing this Document first before signing the Deed of Trust. THE UNDERSIGNED ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS FARM HOMESTEAD PROTECTION ACT DOCUMENT. THIS DOCUMENT IS EXECUTED ON JULY 23, 2013.