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<br />PREFACE TO MORTGAGE OR DEED OF TRUST UNDER
<br />FARM HOMESTEAD PROTECTION ACT
<br />DISCLAIMER —?o - -so
<br />In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, CRAIG
<br />HARDERS and LORA HARDERS, husband and wife, prior to executing the attached Deed of Trust dated
<br />July 14, 2003, by and between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking
<br />Corporation, (hereinafter referred to as "Mortgage ") hereby state and acknowledge:
<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 1) nor are there any buildings sufficient to be designated
<br />as a homestead, presently located upon said Parcel 1:
<br />The Southeast Quarter of Section Twenty -one (21), Township Eleven (11) North, Range Eleven (11)
<br />West of the 6th P.M., Hall County, Nebraska.
<br />2. The undersigned acknowledge that while the Mortgage or Deed of Trust remains unsatisfied and a lien on
<br />said Parcel 1, they shall have no right presently or in the future to make a designation of homestead on
<br />Parcel 1, including without limitation, in the event of a foreclosure or trustee's sale under the mortgage or
<br />Deed of Trust.
<br />3. The undersigned acknowledge that if, contrary to this Disclaimer, they establish a homestead on said Parcel
<br />1 during the time the Mortgage or Deed of Trust remains unsatisfied and a lien upon Parcel 1, 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 />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 />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 />Dated: July 14, 2003
<br />CRAIG HARDERS
<br />STATE OF NEBRASKA)
<br />) SS
<br />COUNTY OF HALL )
<br />The foregoing instrument was acknowledged before me on July 14, 2003, by CRAIG HARDERS and
<br />LORA HARDERS, husband and wife.
<br />6EMEQAI IRVIN State of Nebraska
<br />IRVIN BALDWIN
<br />My Comm. Up. Nov. 14, 2005
<br />NOTARY PUBLIC
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<br />PREFACE TO MORTGAGE OR DEED OF TRUST UNDER
<br />FARM HOMESTEAD PROTECTION ACT
<br />DISCLAIMER —?o - -so
<br />In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, CRAIG
<br />HARDERS and LORA HARDERS, husband and wife, prior to executing the attached Deed of Trust dated
<br />July 14, 2003, by and between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking
<br />Corporation, (hereinafter referred to as "Mortgage ") hereby state and acknowledge:
<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 1) nor are there any buildings sufficient to be designated
<br />as a homestead, presently located upon said Parcel 1:
<br />The Southeast Quarter of Section Twenty -one (21), Township Eleven (11) North, Range Eleven (11)
<br />West of the 6th P.M., Hall County, Nebraska.
<br />2. The undersigned acknowledge that while the Mortgage or Deed of Trust remains unsatisfied and a lien on
<br />said Parcel 1, they shall have no right presently or in the future to make a designation of homestead on
<br />Parcel 1, including without limitation, in the event of a foreclosure or trustee's sale under the mortgage or
<br />Deed of Trust.
<br />3. The undersigned acknowledge that if, contrary to this Disclaimer, they establish a homestead on said Parcel
<br />1 during the time the Mortgage or Deed of Trust remains unsatisfied and a lien upon Parcel 1, 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 />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 />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 />Dated: July 14, 2003
<br />CRAIG HARDERS
<br />STATE OF NEBRASKA)
<br />) SS
<br />COUNTY OF HALL )
<br />The foregoing instrument was acknowledged before me on July 14, 2003, by CRAIG HARDERS and
<br />LORA HARDERS, husband and wife.
<br />6EMEQAI IRVIN State of Nebraska
<br />IRVIN BALDWIN
<br />My Comm. Up. Nov. 14, 2005
<br />NOTARY PUBLIC
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<br />PREFACE TO MORTGAGE OR DEED OF TRUST UNDER
<br />FARM HOMESTEAD PROTECTION ACT
<br />DISCLAIMER —?o - -so
<br />In accordance with the provisions of the Nebraska Farm Homestead Protection Act, the undersigned, CRAIG
<br />HARDERS and LORA HARDERS, husband and wife, prior to executing the attached Deed of Trust dated
<br />July 14, 2003, by and between the undersigned and THE STATE BANK OF CAIRO, A Nebraska Banking
<br />Corporation, (hereinafter referred to as "Mortgage ") hereby state and acknowledge:
<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 1) nor are there any buildings sufficient to be designated
<br />as a homestead, presently located upon said Parcel 1:
<br />The Southeast Quarter of Section Twenty -one (21), Township Eleven (11) North, Range Eleven (11)
<br />West of the 6th P.M., Hall County, Nebraska.
<br />2. The undersigned acknowledge that while the Mortgage or Deed of Trust remains unsatisfied and a lien on
<br />said Parcel 1, they shall have no right presently or in the future to make a designation of homestead on
<br />Parcel 1, including without limitation, in the event of a foreclosure or trustee's sale under the mortgage or
<br />Deed of Trust.
<br />3. The undersigned acknowledge that if, contrary to this Disclaimer, they establish a homestead on said Parcel
<br />1 during the time the Mortgage or Deed of Trust remains unsatisfied and a lien upon Parcel 1, 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 />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 />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 />Dated: July 14, 2003
<br />CRAIG HARDERS
<br />STATE OF NEBRASKA)
<br />) SS
<br />COUNTY OF HALL )
<br />The foregoing instrument was acknowledged before me on July 14, 2003, by CRAIG HARDERS and
<br />LORA HARDERS, husband and wife.
<br />6EMEQAI IRVIN State of Nebraska
<br />IRVIN BALDWIN
<br />My Comm. Up. Nov. 14, 2005
<br />NOTARY PUBLIC
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