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20020099'; State of Nebraska Space Above This Line For Recording Data DISCLAIMER OF RIGHT TO DESIGNATE HOMESTEAD Each of the undersigned states as follows: Non - Homestead ® I intend to grant a security interest in real property legally described on the attached mortgage or deed of trust. No part of my homestead is presently situated on said real estate, nor will any of my homestead be situated on said property in the future. However, if I establish a homestead on any part of said real estate during the time the mortgage or deed of trust remains unsatisfied and is a lien upon the real estate, I will have no right to make a designation of homestead in the event of a foreclosure or trustee's sale upon such mortgage or deed of trust. Homestead ❑ 1 intend to grant a security interest in real property legally described on the attached mortgage or deed of trust. My homestead is located on said real estate, and I understand I have the right to make a designation of homestead in the mortgage or deed of trust. If 1 waive or disclaim the right to designate my homestead I am waiving rights, that I would otherwise have, to retain my homestead in the event of default upon such mortgage or deed of trust. I hereby waive and disclaim the right to designate my homestead. I have read the paragraph checked above, and I understand the contents of that paragraph. This disclaimer was signed before execution of the mortgage or deed of trust. ae- Dated: Mortgagor/Trustor JAMES WLEY Dated: Fv1ortgagor/Tn&6r State of Nebraska TERRI L. ROWLEY County of The foregoing instrument was acknowledged before me this 16TH day of JANUARY 2002 by JAMES L. ROWLEY7 TERRI L. ROWLEY HUSBAND AND WIFE III GENERAL NOTARY -State of Nebraska M co mi sion expires: 01.16.2002 ISeaItON A, HEATH MY OMM. UP. Jan. 9, 2003 tary Public J N A. EATH &� 0 188] Benkem SYname, I.., St Clwd, MN Form DRDH -L -NE 318/2001 /page 1 of 11