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WHEN RECORDED MAIL TO: Exchange Bank Gibbon Branch 14 LaBarre Street PO Box 760 Gibbon, NE 68840 DISCLAIMER OF HOMESTEAD Executed pursuant to Section 4(3)(a) and (b) of the Farm Homestead Protection Act GRANTOR: Michael A Panowicz and Patricia M Panowicz LENDER: Exchange Bank LENDER'S ADDRESS: Gibbon Branch, 14 LaBarre Street, PO Box 760, Gibbon, NE 68840 PROPERTY LEGAL DESCRIPTION: Located in HALL County, State of Nebraska: Parcel 1: The Northeast Quarter (NE1/4) of Section Thirty Three (33), Township Twelve (11) West of the 6th P.M., Hall County, Nebraska EXCEPT a certain tract more particularl recorded as Document No. 92- 100585 and EXCEPT Lot One (1), Burwick Subdivision, Hall Parcel 2: The Southeast Quarter (SE1/4) of Section Eleven (11) in Township Twelve Twelve (12) West of the 6th P.M., Hall County, Nebraska. The Real Property or its address is commonly known as RURAL HALL COUNTY, NE. UNDERSIGNED, Michael A Panowicz; and Patricia M Panowicz, GRANTOR, hereby states that no part of Undersigned's homestead is presently, or in the future will be, situated upon the real estate descrbed 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 DECEMBER 27, 2013. GRANTOR: h -1 A Panowicz X Patri pccv . tt,t;4. M Panowicz FOR RECORDER'S USE ONLY (12), Range Eleven y described in Deed County, Nebraska 112) North, Range