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DISCLAIMER In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, MICHAEL A. O'NEILL AND DENISE A. O'NEILL, husband and wife, prior to executing the attached c Deed of Trust dated June 23, 2004 _, by and between the undersigned and THE STATE BANK OF C CAIRO, A Nebraska Banking Corporation, hereby state and acknowledge: 1. The undersigned are presently the owners of the following described real estate: See Attached. 2. The undersigned acknowledge that while the Mortgage or Deed of Trust to The State Bank of Cairo remains unsatisfied and a lien on the above described real estate, they shall have no right presently or in the future to make a designation of homestead on the above described real estate, including without limitation, in the event of a foreclosure or trustee's sale under the mortgage or Deed of Trust. 3. 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 Deed of Trust or in the event of a foreclosure or trustee's sale under the Mortgage or Deed of Trust. 4. 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 Deed of Trust. Dated: jj±4A& 7-3 ZOO STATE OF NEBRASKA) ) SS COUNTY OF HALL ) A141- &. / MICHAEL A. O'NEILL LLrw� L. 9 DENISE A. O'NEILL The foregoing instrument was acknowledged before me on 2-3,7-00 , by MICHAEL A. O'NEILL and DENISE A. O'NEILL, husband and wife. XGALAEN E.tSTEHLIKaska My Comm. Exp, May t, Zoos N ARY PUBLIC M CA o� I \ �'� C D oR1 O Q -n (� O 4 c N \ 3 D cra r v o �. Cn D PREFACE TO MORTGAGE OR DEED OF TRUST UNR Cn W FARM HOMESTEAD PROTECTION ACT (n o 0 DISCLAIMER In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, MICHAEL A. O'NEILL AND DENISE A. O'NEILL, husband and wife, prior to executing the attached c Deed of Trust dated June 23, 2004 _, by and between the undersigned and THE STATE BANK OF C CAIRO, A Nebraska Banking Corporation, hereby state and acknowledge: 1. The undersigned are presently the owners of the following described real estate: See Attached. 2. The undersigned acknowledge that while the Mortgage or Deed of Trust to The State Bank of Cairo remains unsatisfied and a lien on the above described real estate, they shall have no right presently or in the future to make a designation of homestead on the above described real estate, including without limitation, in the event of a foreclosure or trustee's sale under the mortgage or Deed of Trust. 3. 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 Deed of Trust or in the event of a foreclosure or trustee's sale under the Mortgage or Deed of Trust. 4. 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 Deed of Trust. Dated: jj±4A& 7-3 ZOO STATE OF NEBRASKA) ) SS COUNTY OF HALL ) A141- &. / MICHAEL A. O'NEILL LLrw� L. 9 DENISE A. O'NEILL The foregoing instrument was acknowledged before me on 2-3,7-00 , by MICHAEL A. O'NEILL and DENISE A. O'NEILL, husband and wife. XGALAEN E.tSTEHLIKaska My Comm. Exp, May t, Zoos N ARY PUBLIC