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Cn O N O 7 C) n Z s tar n� (A " x °2 G G 3 v Oh o N ey, z W HEN RECORDED MAIL TO: 200305020 Five Points Bank "Your Hometown Bank" 2015 N. Broatlwell P.O. Box 1507 Grand Island, tl NE 68802 -1507 FOR RECORDER'S USE ONLY PREFACE TO DEED OF TRUST — Written Acknowledgement of Waiver of Homestead Rights and Written Disclaimer of Homestead - Multiple Parcels GRANTOR: KEVIN D KRUEGER and CLAUDIA D KRUEGER LENDER: Five Points Bank LENDER'S ADDRESS: "Your Hometown Bank ", 2015 N. Broatlwell. P.O. Box 1507, Grand Island, NE 68802 -1507 PROPERTY LEGAL DESCRIPTION: Located in HALL AND HAMILTON County, State of Nebraska: See EXHIBIT "A ", which 15 attach al to this Document and made a part of fhb Document as If fully set forth herein The Real Property or he address is commonly known as NE. 1 . GRANTOR'S PARCEL 1 - HOMESTEAD PROPERTY: - PARCEL 1: A PARCEL OF LAND IN THE SOUTHWEST QUARTER OF SECTION THIRTY (301, TOWNSHIP NINE (9) NORTH, RANGE EIGHT (8) WEST OF THE 6TH P.M., HAMILTON COUNTY, NEBRASKA, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHWEST CORNER: THENCE NINE HUNDRED THIRTY -SEVEN AND TWO TENTHS 1937.21 FEET EAST TO THE PLACE OF BEGINNING; THENCE ONE HUNDRED SEVENTY -ONE AND SIX TENTHS (171.6) FEET EAST; THENCE ONE HUNDRED SEVENTY -EIGHT AND TWO TENTHS (178.2) FEET NORTH; THENCE ONE HUNDRED SEVENTY -ONE AND SIX TENTHS 1171.61 FEET WEST; THENCE ONE HUNDRED SEVENTY EIGHT AND TWO TENTHS 1178.21 FEET SOUTH TO THE PLACE OF BEGINNING. Undersigned. KEVIN D KRUEGER and CLAUDIA D KRUEGER, GRANTORS. prior to signing the attached Deed of Trust as Grantor (whether one or more), in consideration of the extension of credit by Fve Points Bank, BENEFICIARY, hereby state: APPLICABLE TO PARCEL 1 - HOMESTEAD: Undersigned understands that Undersigned, the GRANTOR, has The right to make a designation of homestead in the attached Deed of Trust as it relates to Parcel 1 referred to in the Deed of Trust, and that the execution of this Document constitutes the waiver of rights otherwise available for the purpose of affording Undersigned the opportunity to retain Undersigned's homestead in the event of a default upon the Deed of Trust. This Document includes a waiver of any right to designate a homestead Interest In Parcel 1 described In the attached Dead of Trust. APPLICABLE TO OTHER DESCRIBED PARCELS: Undersigned hereby states that no part of Undersigned's homestead is presently, or In the future will be siLUated upon the real estate described in the attached Deed of Trust EXCEPT that real estate refmrad to as Parcel 1. Undersigned also understands that if Undersigned establishes a homestead on any part of the real estate, except Parcel 1, during the time the Deed of Trust remains unsatisfied and alien upon the real estate, there will be no right to make a designation of homestead In the event of a a trustee's sale upon such Dead of Trust APPLICABLE TO ALL PARCELS: Undersigned acknowledges this Document as Undersigned's voluntary out and deed. Undersigned further acknowledges that this Document constitutes a written waiver under the Nebraska Farm Homestead Protection Act and waive and disclaim any right to defer selection of homestead rights. Further, Undersigned acknowledges that Undersigned has had an opportunity to read the proposed Deed of Trust and that Undersigned is signing this Document first before signing the Deed of Trust, and Undersigned understands and agrees that this Document will be filed as a preface W the Deed of Tmst. THE UNDERSIGNED ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS FARM HOMESTEAD PROTECTION ACT DOCUMENT. THIS DOCUMENT IS EXECUTED ON APRIL 21, 2003.