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PREFACE TO MORTGAGE OR TRUST DEED UNDER FARM HOMESTEAD PROTECTION ACT WAIVER AND DISCLAIMER In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, John Sterling Williams a/k/a J. Sterling Williams, A Single Person, prior to executing the attached Mortgage or Trust Deed dated November 20, 2000 by and between the undersigned and Wells Fargo Bank Nebraska, N.A. (hereinafter referred to as "Mortgage or Trust Deed ") hereby state and acknowledge: DISCLAIMER 1. That no part of the homestead of the undersigned is presently or in the future will be situated on the following described real estate (hereinafter "Parcel 1 ") nor are there any buildings sufficient to be designated as a homestead presently located upon Parcel 1: N/A 2. The undersigned acknowledge that while the Mortgage or Trust Deed remains unsatisfied and a lien on Parcel 1, they shall have no right presently or in the future to make a designation of homestead on Parcel 1, including without limitation, in the event of a foreclosure or trustee's sale under the Mortgage or Trust Deed. 3. The undersigned acknowledge that if, contrary to this Disclaimer, they establish a homestead on Parcel 1 during the time the Mortgage or Trust Deed remains unsatisfied and a lien upon Parcel 1, they shall have no right to make a designation of homestead in the event of a foreclosure or trustee's sale under the Mortgage or Trust Deed. 4. The undersigned state that this acknowledgment is their knowing and voluntary act and deed and constitutes a written disclaimer and acknowledgment under the Nebraska Farm Homestead Protection Act and the undersigned do hereby disclaim any right to designate a homestead in the event of default upon such Mortgage or Trust Deed or in the event of a foreclosure or trustee's sale under the Mortgage or Trust Deed. 5. The undersigned further understand and agree that this acknowledgment and Disclaimer shall be filed as a Preface to and become a part of the Mortgage or Trust Deed. C: b a c7 0 c-1) m En Z N O d N mV 'ZJ m O D co M �. r 7 r n o If, 3 N 7[ N cD GJ1 O ,� , N _.c 0 PREFACE TO MORTGAGE OR TRUST DEED UNDER FARM HOMESTEAD PROTECTION ACT WAIVER AND DISCLAIMER In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, John Sterling Williams a/k/a J. Sterling Williams, A Single Person, prior to executing the attached Mortgage or Trust Deed dated November 20, 2000 by and between the undersigned and Wells Fargo Bank Nebraska, N.A. (hereinafter referred to as "Mortgage or Trust Deed ") hereby state and acknowledge: DISCLAIMER 1. That no part of the homestead of the undersigned is presently or in the future will be situated on the following described real estate (hereinafter "Parcel 1 ") nor are there any buildings sufficient to be designated as a homestead presently located upon Parcel 1: N/A 2. The undersigned acknowledge that while the Mortgage or Trust Deed remains unsatisfied and a lien on Parcel 1, they shall have no right presently or in the future to make a designation of homestead on Parcel 1, including without limitation, in the event of a foreclosure or trustee's sale under the Mortgage or Trust Deed. 3. The undersigned acknowledge that if, contrary to this Disclaimer, they establish a homestead on Parcel 1 during the time the Mortgage or Trust Deed remains unsatisfied and a lien upon Parcel 1, they shall have no right to make a designation of homestead in the event of a foreclosure or trustee's sale under the Mortgage or Trust Deed. 4. The undersigned state that this acknowledgment is their knowing and voluntary act and deed and constitutes a written disclaimer and acknowledgment under the Nebraska Farm Homestead Protection Act and the undersigned do hereby disclaim any right to designate a homestead in the event of default upon such Mortgage or Trust Deed or in the event of a foreclosure or trustee's sale under the Mortgage or Trust Deed. 5. The undersigned further understand and agree that this acknowledgment and Disclaimer shall be filed as a Preface to and become a part of the Mortgage or Trust Deed.