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CO WHEN RECORDED MAIL TO: Cornerstone Bank Hildreth Facility P.O. Box 127 133 Commercial Ave Hildreth. NE 68947 FOR RECORDER'S USE ONLY DISCLAIMER OF HOMESTEAD Executed pursuant to Section 4(3)(a) and (b) of the Farm Homestead Protection Act GRANTOR: Michael A Panowicz and Patricia M Panowicz LENDER: Cornerstone Bank LENDER'S ADDRESS: Hildreth Facility, P.O. Box 127, 133 Commercial Ave, Hildreth, NE 68947 PROPERTY LEGAL DESCRIPTION: Located in Hall County, State of Nebraska: The Northeast Quarter of the Northwest Quarter (NE1/4NW1/4) and The South Half of the Northwest Quarter (S1/2NW1/4) and The West Half of the Northeast Quarter (W1/2NE1/4) in Section Twenty Seven (27), Township Twelve (12) North, Range Eleven (11) West of the 6th P.M., Hall County, Nebraska, Lying South of the Highway Right of Way EXCEPT a tract more particularly described in Quitclaim Deed recorded In Book 166, Page 72; EXCEPT a tract more particularly described in Warranty Deed recorded as Document No. 78-000364; EXCEPT a tract more particularly described in Warranty Deed recorded as Document No. 99-107602 and EXCEPT a tract more particularly described in Warranty Deed recorded as Document No. 200800020; EXCEPT a tract more particularly described in Warranty Deed recorded as Document No. 201103765; EXCEPT Lot One (1), Panowicz Acres Subdivision, Hall County, Nebraska The Real Property or its address is commonly known as NE1/4NW1/4 and S1/2NW1/4 and W1/2NE1/4 27-12-11 Hall County, NE. The Real Property tax identification number is 400191660 and 400191652. UNDERSIGNED, Michael A Panowicz; and Patricia M Panowicz, GRANTOR, hereby states that no part of Undersigned's homestead is presently, or in the future will be, situated upon the real estate described in the Deed of Trust. Undersigned also understands that if Undersigned establishes a homestead on any part of the real estate during the time the Deed of Trust remains unsatisfied and a lien upon the real estate, there will be no right to make a designation of homestead in the event of a trustee's sale upon such Deed of Trust. Further, Undersigned acknowledges that Undersigned has had an opportunity to read the proposed Deed of Trust with power of sale and that Undersigned is signing this Document first before signing the Deed of Trust. THE UNDERSIGNED ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS FARM HOMESTEAD PROTECTION ACT DOCUMENT. THIS DOCUMENT IS EXECUTED ON APRIL 14, 2022. GRANTOR: XmicnaelA Pct Patricia M Panowicz rn —4 rn rn c:Zis tel to —1 rri "1