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20010872; <br />Lenders' Rights in the Property" contained in this Security Instrument, or (c) exercise of the right under the <br />terms of this Security Instrument to require payment in full of the indebtedness upon a transfer of the <br />Property or a beneficial interest therein. Should Borrower appear in and contest any judicial proceeding <br />initiated by Lender under this Exclusion, or initiate any judicial proceeding to challenge any action <br />authorized by this Exclusion, then upon request of borrower such judicial proceedings shall be stayed or <br />dismissed, and the matter shall proceed to arbitration in accordance with the section entitled "Arbitration of <br />Disputes ". <br />No provision of this agreement shall limit the right of Borrower to exercise Borrower's rights under <br />the Uniform Covenant labeled "Borrower's Right to Reinstate ". <br />NOTICE: BY SIGNING THIS ARBITRATION RIDER YOU ARE AGREEING TO HAVE ANY <br />DISPUTE ARISING OUT OF THE MATTERS DESCRIBED IN THE `ARBITRATION OF DISPUTES' <br />SECTION ABOVE DECIDED EXCLUSIVELY BY ARBITRATION, AND YOU ARE GIVING UP ANY <br />RIGHTS YOU MIGHT HAVE TO LITIGATE DISPUTES IN A COURT OR JURY TRIAL. DISCOVERY <br />IN ARBITRATION PROCEEDINGS IS LIMITED IN THE MANNER PROVIDED BY THIS <br />AGREEMENT. <br />THIS IS A VOLUNTARY ARBITRATION AGREEMENT. IF YOU DECLINE TO SIGN THIS <br />ARBITRATION AGREEMENT, LENDER WILL NOT REFUSE TO COMPLETE THE LOAN <br />TRANSACTION BECAUSE OF YOUR DECISION. <br />BY SIGNING BELOW, Borrower accepts and agrees to the provisions contained in this Rider. <br />Borrower <br />Michael G Green <br />Borrower <br />Borrower <br />Candy K Gwen <br />Borrower <br />Page 2 of 2 <br />Sax Form R301 (12/11/99) <br />(07- 11 -97) c- 23774 -41 <br />96440052.uff <br />