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<br /> ;:10 n ~ ~.........'" <br /> m (':---> 0. (JJ ~ <br /> ::r ~,;, <br /> ~ "TI -J 0 ----l C) ::J <br /> ~~ c: m (fl ',. " ' fit <br /> 0 :x ,.....,._1",..." ~':~ c:: p <br /> .-f- n Z }) '\,- Z -1 r'V <br /> '" ::u C~::l [ <br /> ? :z: ~ c "., i>\. -j 1"'1'1 <br /> d ~ ~ c:=: "'< C) <br /> ~ m ~ ;;,;-) ~.~ ' ..... 0 <br /> ~ -;.....~ r'V <br />N 1"-. n en o '''''''l'''- (,.") "f'l C) G;- <br /> X - \ --.J <br />iSl -- -<:. ~ -rJ ., <br />C ...,. i .....,.. --.J <br />iSl m ..c. ' . I,': ,",.",".. r 1"1 - <br />-...J ~ nl r\ .J -U :re- Cl") C) ::s <br />iSl ~ r r1 t, ::3 r- I <br />c:o ~. ~ t- c:; ~ r- ..1.,'- CD <br />c:o C>:;) (fJ I--' (/") <br />-...J ~ ~ r'V ;:00; CD <br />w \' 1> <br /> ..1:::. -C -- -J <br /> r'V (f) W <br /> (f) ~ <br /> <br /> <br /> <br />"--- <br /> <br />PREFACE TO MORTGAGE OR DEED OF TRUST UNDER <br />FARM HOMESTEAD PROTECTION ACT <br /> <br />DISCLAIMER <br /> <br />;;Zs.~ <br /> <br />In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, Randall <br />L. Kowalski, a single person, prior to executing the attached Deed of Trust dated November 20, 2007, by and <br />between the undersigned and Pathway Bank, A Nebraska Banking Corporation, (hereinafter referred to as <br />"Mortgage") hereby state and acknowledge: <br /> <br />1. That no part of the homestead of the undersigned is presently, or in the future will be, situated on the <br />following described real estate, (hereafter Parcel I) nor are there any buildings sufficient to be designated <br />as a homestead, presently located upon said Parcell: <br /> <br />See Attached Exhibit "A" <br /> <br />2. The undersigned acknowledge that while the Mortgage or Deed of Trust remains unsatisfied and a lien on <br />said Parcel I, they shall have no right presently or in the future to make a designation of homestead on <br />Parcell, including without limitation, in the event of a foreclosure or trustee's sale under the mortgage or <br />Deed of Trust. <br /> <br />3. The undersigned acknowledge that if, contrary to this Disclaimer, they establish a hOlr.cstead on said Parcel <br />1 during the time the Mortgage or Deed of Trust remains unsatisfied and a lien upon Parcell, they shall <br />have no right to make a designation of homestead in the event of a foreclosure or trustee's sale under the <br />Mortgage or Deed of Trust. <br /> <br />4. The undersigned state that this acknowledgment is their knowing and voluntary act and deed and <br />constitutes a written disclaimer and acknowledgment under the Nebraska Farm Homestead <br />Protection Act and the undersigned do hereby disclaim any right to designate a homestead in the <br />event of default upon such Mortgage or Deed of Trust or in the event of a foreclosure or trustee's <br />sale under the Mortgage or Deed of Trust. <br /> <br />5. The undersigned further understand and agree that this acknowledgment and Disclaimer shall be filed as a <br />Preface to and become a part of the Mortgage or Deed of Trust. <br /> <br />Dated: November 20,2007 <br /> <br />lJl#.iI/7tJ~ <br /> <br />, Randall L. Kowalski <br /> <br />STATE OF NEBRASKA) <br />) SS <br />COUNTY OF HALL) <br /> <br />The foregoing instrument was acknowledged before me on N~~ :ndall L. Kowalski. <br /> <br /> <br /> <br />~.:r\,.~"t'1 / NOTARY PUBLIC <br />