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v PREFACE TO MORTGAGE OR DEED OF TRUST UNDER FARM HOMESTEAD PROTECTION ACT 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 Deed of Trust dated April 8, 20051 by and between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking Corporation, hereby state and acknowledge: 1. The undersigned are presently the owners of the following described real estate: See Attached. Z. Tne 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: April 8, 2005 MICHAEL A. O'NEILL DENISE A. O'NEILL STATE OF NEBRASKA) ) SS COUNTY OF HALL ) The foregoing instrument was acknowledged before me on �� cJ , 2005 by MICHAEL A. O'NEILL and DENISE A. O'NEILL, husband and wife. MMOI , 4- Re& of Deed$ NOTARY PUBLIC BEPH Comm ao Cl N � cn M z� 00 PREFACE TO MORTGAGE OR DEED OF TRUST UNDER FARM HOMESTEAD PROTECTION ACT 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 Deed of Trust dated April 8, 20051 by and between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking Corporation, hereby state and acknowledge: 1. The undersigned are presently the owners of the following described real estate: See Attached. Z. Tne 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: April 8, 2005 MICHAEL A. O'NEILL DENISE A. O'NEILL STATE OF NEBRASKA) ) SS COUNTY OF HALL ) The foregoing instrument was acknowledged before me on �� cJ , 2005 by MICHAEL A. O'NEILL and DENISE A. O'NEILL, husband and wife. MMOI , 4- Re& of Deed$ NOTARY PUBLIC BEPH Comm ao Cl M z� n rn (71 CA i 2 C7 U Q --4 M CD q -TI Tj C n CTl Cj fTJ c.� r N F\) 200503328 `.,` U) 4 PREFACE TO MORTGAGE OR DEED OF TRUST UNDER FARM HOMESTEAD PROTECTION ACT 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 Deed of Trust dated April 8, 20051 by and between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking Corporation, hereby state and acknowledge: 1. The undersigned are presently the owners of the following described real estate: See Attached. Z. Tne 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: April 8, 2005 MICHAEL A. O'NEILL DENISE A. O'NEILL STATE OF NEBRASKA) ) SS COUNTY OF HALL ) The foregoing instrument was acknowledged before me on �� cJ , 2005 by MICHAEL A. O'NEILL and DENISE A. O'NEILL, husband and wife. MMOI , 4- Re& of Deed$ NOTARY PUBLIC BEPH Comm