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WAIVER <br />0 <br />In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, GARY <br />HARDERS and LISA HARDERS, husband and wife, prior to executing the attached Deed of Trust dated <br />July 13, 2001, by and between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking <br />Corporation, (hereinafter referred to as "Mortgage ") hereby state and 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 <br />1") <br />An undivided one -half interest in part of the North Half of the Northeat Quarter (N 1/2 NE 1/4) of <br />Section Twenty (20), Township Eleven (11) North, Range Eleven (11), West of the 6th P.M., in Hall <br />County, Nebraska, more particularly described as follows: Commencing at the Northeast corner of said <br />Section 20 and running thence Southerly along and upon the East line of said Section 20, a distance of <br />Six Hundred Sixty (660) Feet to the point of beginning; running thence Westerly and parallel to the <br />North line of said Section 20, a distance of Six Hundred Seventy (670) Feet; running thence Southerly <br />and parallel to the Easterly line of said Section 20, a distance of Six Hundred Sixty (660) Feet to the <br />South line of the North Half of the Northeast Quarter (N 1/2 NE 1/4) of siad Section 20; running thence <br />Easterly along and upon the South line of said North Half of the Northeast Quarter (N 1/2 NE 1/4) of <br />said Section 20 and parallel to the North line of said Section 20, a distance of Six Hundred Seventy <br />(670) Feet to the East line of said Section 20; and running thence Northerly and upon the East line of <br />said Section 20, a distance of Six Hundred Sixty (660) Feet to the point of beginning; containing 10.15 <br />acres. <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 tnistee'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: July 13, 2001 <br />STATE OF NEBRASKA) <br />) SS <br />COUNTY OF HALL ) <br />FA. F <br />GARY .DE. <br />LISA HARDERS <br />The foregoing instrument was acknowledged before me on July 13, 2001, by GARY HARDERS and LISA <br />HARDERS, husband and wife. <br />OERAL UT RY-W3 4 ; *W <br />DOROTHY I ogmR ILMR <br />on My comm. Eq. Jury 8,20W <br />PUBLIC <br />rn <br />nO <br />C N <br />= <br />-n <br />O <br />WO <br />Ci. <br />� <br />43_ <br />N <br />a <br />ITI <br />- <br />o <br />m <br />o <br />r A <br />N <br />V F <br />co <br />� <br />F-A <br />r <br />W <br />Cz:) <br />CIO <br />N <br />CD <br />PREFACE TO MORTGAGE OR DEED OF TRUST UNDER <br />° , <br />FARM HOMESTEAD PROTECTION ACT <br />WAIVER <br />0 <br />In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, GARY <br />HARDERS and LISA HARDERS, husband and wife, prior to executing the attached Deed of Trust dated <br />July 13, 2001, by and between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking <br />Corporation, (hereinafter referred to as "Mortgage ") hereby state and 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 <br />1") <br />An undivided one -half interest in part of the North Half of the Northeat Quarter (N 1/2 NE 1/4) of <br />Section Twenty (20), Township Eleven (11) North, Range Eleven (11), West of the 6th P.M., in Hall <br />County, Nebraska, more particularly described as follows: Commencing at the Northeast corner of said <br />Section 20 and running thence Southerly along and upon the East line of said Section 20, a distance of <br />Six Hundred Sixty (660) Feet to the point of beginning; running thence Westerly and parallel to the <br />North line of said Section 20, a distance of Six Hundred Seventy (670) Feet; running thence Southerly <br />and parallel to the Easterly line of said Section 20, a distance of Six Hundred Sixty (660) Feet to the <br />South line of the North Half of the Northeast Quarter (N 1/2 NE 1/4) of siad Section 20; running thence <br />Easterly along and upon the South line of said North Half of the Northeast Quarter (N 1/2 NE 1/4) of <br />said Section 20 and parallel to the North line of said Section 20, a distance of Six Hundred Seventy <br />(670) Feet to the East line of said Section 20; and running thence Northerly and upon the East line of <br />said Section 20, a distance of Six Hundred Sixty (660) Feet to the point of beginning; containing 10.15 <br />acres. <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 tnistee'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: July 13, 2001 <br />STATE OF NEBRASKA) <br />) SS <br />COUNTY OF HALL ) <br />FA. F <br />GARY .DE. <br />LISA HARDERS <br />The foregoing instrument was acknowledged before me on July 13, 2001, by GARY HARDERS and LISA <br />HARDERS, husband and wife. <br />OERAL UT RY-W3 4 ; *W <br />DOROTHY I ogmR ILMR <br />on My comm. Eq. Jury 8,20W <br />PUBLIC <br />