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WHEN RECORDED.. RETURN TO: Western National Bank P.O. Box 485 Cairo, Ne 68824 This Waiver of Right to Designate Homestead is dated as of 03/15/2016 related parties and their mailing addresses are the following: TRUSTOR: Craig E. Harders Harders Trust of Craig E. Harders Harders Harders Trust of Weste FnNanonnaai ank 2. WAIVER OF HOMESTEAD. Trustor hereby states, represents and warrants that: Form NEWRDH NEBRASKA WAIVER OF RIGHT TO DESIGNATE HOMESTEAD (To be filed as a Preface to the Deed of Trust) e+t :ia: r r r'n or Lora L. Harders as Trustees of the Craig E. 2012 (undivided 1/2 interest) and Lora L. Harders as Trustees of the Lora L. 2012 (undivided 1/2 interest) , and the 1. BACKGROUND. In accordance with the provisions of the Revised Nebraska Statutes, Trustor, prior to executing the attached Deed of Trust, dated 03/15/2016 and executed by Trustor in favor of Beneficiary, hereby makes the following statements, representations and warranties. A. Trustor understands that he or she has the right to make a designation of homestead in the Deed of Trust on the following described real estate (Pronertv): The Southeast Quarter of Section 21, Township 11 North, Range 11 West of the 6 P.M., Hall County, Nebraska B. Trustor hereby waives his or her rights to make a designation of homestead. Trustor understands that by executing this Waiver, Trustor is waiving his or her rights otherwise available for the purpose of affording the Trustor the opportunity to retain his or her homestead in the event of a default upon such Deed of Trust. C. Trustor states that this Waiver is Trustor's knowing and voluntary act and deed and constitutes a written waiver and acknowledgement under the Homestead Laws of the State of Nebraska. m Copyright 04/13 American Bank Systems, Inc. 111 rn m N Cp CJ> C7) C/) —4 CD e~+ C co co 0