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PREFACE TO MORTGAGE OR DEED OF TRUST UNDER <br />FARM HOMESTEAD PROTECTION ACT <br />WAIVER <br />In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, THOMAS <br />R. YOUNG, a single person, prior to executing the attached Deed of Trust dated February 22, 2000, by and <br />between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking Corporation, <br />(hereinafter referred to as "Mortgage ") hereby state and acknowledge: <br />The undersigned states, warrants and represents that their dwelling house and other buildings subject to a <br />homestead are presently located upon the following described real estate (hereafter referred to as "Parcel V) <br />The West Half of the Northwest Quarter (W 1/2 NW 1/4), Section Thirty -three (33); and the West Half <br />of the Southwest Quarter (W 1/2 SW 1/4), Section Twenty -eight (28); all in Township Twelve (12) <br />North, Range Twelve (12), West of the 6th P.M., Hall County, Nebraska. <br />2. The undersigned acknowledges that they have a right to make a designation of homestead in the Mortgage <br />or Deed of Trust for the purpose of affording the opportunity to retain their homestead in the event of <br />default and foreclosure under the Mortgage or trustee's sale under the Deed of Trust. <br />3. The undersigned acknowledges that the execution of this waiver constitutes the complete waiver of rights <br />otherwise available for the purpose of affording the opportunity to retain a homestead in the event of a <br />default and any foreclosure under the Mortgage or trustee's sale under the Deed of Trust. <br />4. The undersigned state that this acknowledgment and waiver is their knowing and voluntary act and <br />deed and the undersigned do hereby willingly and voluntarily waive, relinquish and remise any and <br />all right to make a designation of homestead in the Mortgage or Deed of Trust. <br />5. The undersigned further understand and agree that this acknowledgment and waiver shall be filed as a <br />Preface to and become a part of the Mortgage or Deed of Trust. <br />Dated: February 22, 2000 <br />HOMAS � UNG <br />STATE OF NEBRASKA) <br />) SS <br />COUNTY OF HALL ) <br />The foregoing instrument was acknowledged before me on February 22, 2000, by THOMAS R. YOUNG, <br />a single person. <br />GENERAL p() ARY <. ;Y;, <br />73 My C° FzP %` =a l NOTARY PUBLIC <br />