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1. 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 1 ")
<br />The Southeast Quarter (SE 1/4) of Section 22, Township 12 North, Range 11, West of the 6th P.M., Hall
<br />County, Nebraska, and
<br />The North Half of the Southwest Quarter (N 1/2 SW 1/4) and the South Half of the Northwest Quarter
<br />(S 1/2 NW 1/4) of Section 11, Township 12 North, Range 11, West of the 6th P.M., Hall County
<br />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: June 5, 2000
<br />MICHAEL A. PANOWICZ
<br />patilL-C'C', M. pa"Ot--,
<br />PATRICIA M. PANOWI
<br />STATE OF NEBRASKA)
<br />) SS
<br />COUNTY OF HALL )
<br />The foregoing instrument was acknowledged before me on June 5, 2000, by MICHAEL A. PANOWICZ
<br />and PATRICIA M. PANOWICZ, husband and wife.
<br />6ERERAL a, Ry -state of r ?tr gk4
<br />IRVIN BA �,��
<br />Cornm. Expi ��pp 1
<br />µ fit' - .,M NOTARY PUBLIC
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<br />PREFACE TO MORTGAGE OR DEED OF TRUST UNDER
<br />FARM HOMESTEAD PROTECTION ACT
<br />WAIVER
<br />In accordance
<br />with the provisions of the Nebraska Farm Homestead Protection Act,
<br />the undersigned,
<br />MICHAEL A.
<br />PANOWICZ and PATRICIA M. PANOWICZ, husband and wife, prior
<br />to executing the
<br />attached Deed
<br />of Trust dated June 5, 2000, by and between the undersigned and THE STATE BANK OF
<br />CAIRO, A
<br />Nebraska Banking Corporation, (hereinafter referred to as "Mortgage ")
<br />hereby state and
<br />acknowledge:
<br />1. 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 1 ")
<br />The Southeast Quarter (SE 1/4) of Section 22, Township 12 North, Range 11, West of the 6th P.M., Hall
<br />County, Nebraska, and
<br />The North Half of the Southwest Quarter (N 1/2 SW 1/4) and the South Half of the Northwest Quarter
<br />(S 1/2 NW 1/4) of Section 11, Township 12 North, Range 11, West of the 6th P.M., Hall County
<br />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: June 5, 2000
<br />MICHAEL A. PANOWICZ
<br />patilL-C'C', M. pa"Ot--,
<br />PATRICIA M. PANOWI
<br />STATE OF NEBRASKA)
<br />) SS
<br />COUNTY OF HALL )
<br />The foregoing instrument was acknowledged before me on June 5, 2000, by MICHAEL A. PANOWICZ
<br />and PATRICIA M. PANOWICZ, husband and wife.
<br />6ERERAL a, Ry -state of r ?tr gk4
<br />IRVIN BA �,��
<br />Cornm. Expi ��pp 1
<br />µ fit' - .,M NOTARY PUBLIC
<br />
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