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LENDER: THE OVERLAND NATIONAL BANK 304 West 3rd Street Grand Island, Nebraska 68801 1. WAIVER. In accordance with the Farm Homestead Protection Act, prior to executing the attached Security Instrument, Grantor states as follows: A. I intend to grant a security interest in real property (Property) described on the attached Security Instrument. B. My homestead is located on this Property, and I understand that I have the right to make a designation of homestead in the attached Security Instrument. C. I understand that by signing this Waiver I waive any rights otherwise available for the purpose of affording me the opportunity to retain my homestead in the event of a default upon the attached Security Instrument. D. I waive my right to designate my homestead. SIGNATURES. I agree to the terms and covenants contained in this Waiver Of Right To Designate Homestead. I also acknowledge receipt of a copy of this Waiver Of Right To Designate Homestead. GRANTOR: RUBY H OPP RUBY H OPP Nebraska Waiver of Right To Designate Homestead Initials. NE/ 2UBBSN061E000000000000001000000011n6 ©1996 Bankers Systems, Inc., St. Cloud, MN Page 1 A M o = a _ Z x CZ) C, (, o o �pC D N M zD-i N (° n 2 �M O •�—� CID x o Q, ►� o -►, o cg 0) Z M o n. 03 D Co O CA M r -710 r n w .... CA co Cn � � `n C.0 co 20400319 z 0 Space Above This Line For Recording Data WAIVER OF RIGHT TO DESIGNATE HOMESTEAD (To be filed as a preface to the Security Instrument) lY. DATE AND PARTIES. The date of this Waiver Of Right To Designate Homestead is April 17, 2000. The parties and their addresses are: O GRANTOR: RUBY H OPP 8500 S 70TH RD ALDA, Nebraska 68810 -9632 LENDER: THE OVERLAND NATIONAL BANK 304 West 3rd Street Grand Island, Nebraska 68801 1. WAIVER. In accordance with the Farm Homestead Protection Act, prior to executing the attached Security Instrument, Grantor states as follows: A. I intend to grant a security interest in real property (Property) described on the attached Security Instrument. B. My homestead is located on this Property, and I understand that I have the right to make a designation of homestead in the attached Security Instrument. C. I understand that by signing this Waiver I waive any rights otherwise available for the purpose of affording me the opportunity to retain my homestead in the event of a default upon the attached Security Instrument. D. I waive my right to designate my homestead. SIGNATURES. I agree to the terms and covenants contained in this Waiver Of Right To Designate Homestead. I also acknowledge receipt of a copy of this Waiver Of Right To Designate Homestead. GRANTOR: RUBY H OPP RUBY H OPP Nebraska Waiver of Right To Designate Homestead Initials. NE/ 2UBBSN061E000000000000001000000011n6 ©1996 Bankers Systems, Inc., St. Cloud, MN Page 1