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<br /> ��� �. �,�i�a�r�o����� ��-��� ���_=
<br /> -- (1'o Be Rrzarded Together vrtth Sect�rity Instrument) �`� �-°-
<br /> . �,'�_::'
<br /> snd is ►-�-
<br /> �P 'I'HIS�IDER ismade ttnls 22nd day of March, 1999 ;,,__,�
<br /> Daed of Trust, ar
<br /> �• insorporated into end shall be deemed to amend and supptement the Mortgage. �
<br /> '� gsc�rtty Dee� (the "Security InstrumenY') of the seme date glven by the undersi�ned (the
<br /> f':_
<br />- ,,. � "Flore�ower") to secura Borrowe�'s Note (the "Note") to EquiFirst Corpocatlon (the "Lender") of _
<br /> . ,- the same date and coveeing the pro�ieity describ.°d in tke 5ecuc ity lr�strumc�it and locatcd ut: � �` --'
<br /> `''� 824�.I lth S4reet,Cirand island,NE 68801 _--
<br /> j� (Property Address) -_
<br />• As used in thls Rider, the tercn "Lender" includes Lenders successors and assigns and the
<br /> ' � compuny servtcing the Nate on Lenders behalf.
<br /> -�- �� an��to�n�.,cov�ra��r�. In additian to the wvenants and agreements made in
<br /> �� the Secudty inst�vment, Bmrower and Lender further wvenant and agree as foilows:
<br /> ; ;,,,.'�:
<br /> �lRB1TRATION OF DISPiJTES. Any claim, dispute� or controversy (whether in _
<br /> ...4 ,> contraet, tort, or otherwise) arising from or related to the toan evtdenced by the Note, including
<br />- - but not limited to all stetuwry clatms, any claim, dispute or controversy that may arise out of or is
<br /> '��. H based on ihe relationsYrips which result from the Borrower's applicatIon to the lender for the loan,
<br /> •�'??�'°� � the clositeg of the loan, or the servIcing of the loan, or any dispute or controversy over the
<br /> �ik�4'`' appltcabllity or enforceability of this arbitration agreement or tpte endce ag�eement between
<br /> _.': � � Borrower and Lender (collecdvely "clatm"), sha(t be resolved, upon the eleGtion of either
<br />'��n�'� Borrower or Lender, by binding arbitrat[on, and not by court action, except as provided under
<br /> �-:.�:^
<br /> "Exclusions ftom Atbitration" below.
<br />�P`°��=����� Th;s arbitradon agreement is made pursuant to a transaction involving interstate commerce, and
<br /> ,:',� shall be governod by the Federal Arbimition Act (9 U.S.G Sections 1-16) and the Code of
<br /> � procedure of t�e Nattonal Arbitration Fanun in effect at the time a claic�n is filed. COP��Nattonal
<br />-����:�:� arbitration rules and forms can be obtained and any claims can be filed at any
<br /> __--- Arbitra�on Forum office, at P•O. Box 50191, Minneapolis, M1V 55404, on the World Wtde Web
<br />° -_- , a=_ry:�,er�..fQr•m.cc�m,or by callint;t800)4742371.
<br />_==�:�'��
<br /> _ ��,� �sga�e ment to arbitrate shall appty no matter by whom or against whom a clalm is made.
<br /> Any elecrion to arbitrate ma�+ he made at any rime, regardless of whether a lawsuit has been filed
<br />==-== or not, and such party mak�n fhe electton may bring a mot�on in any cauct havIng jurisdtctlon to
<br /> compe! arbitration of any cl� and/o�to �Y0 �lacei���the f federal 18judicPal�d dgstric�itrationthe
<br /> pny participatory arbitration heariag p
<br /> --_= Sorrower's restdence, unless a different toca�on t$1SO��of the filing at►dW hearin� .fees efor yt
<br /> ------ Boirowe�s request. Lender will advance the ficst
<br />--= — cl�im which ttie �orro�ver may file against Lendac.. The arbltraWr will decide which party wiQ
<br /> �°--�--�— ultimately be responsible for paying these fees. All ctatms be��noined or�comti ed In e at►Y
<br /> s h a l l b e a e b i t r a t e d I ndlvidual t y, and shall nat be subject to being ,j _
<br /> - proceeding witi� any claims of any persons, or c lass o f persons o i h e r t h a n B o r r o w e r o r L e n d e r.
<br /> The arbitcator shall apply retevant law and provide written, reasoned findings of fact and
<br /> conclusions of law. Judgment upon the award readered by the arbitrator may be entered in any
<br /> court hav�ng jurisdictton.
<br /> -_ - .°� ' ' EXCLUSIONS F'ltOM AItBITRATION. TH:s arbitratian agreem�nt sha11 not ap ly.��
<br />-- - to rigbts or obligations under the lnan documents that a11ow the Lender t���1� ot o�i��
<br /> �` take po�session of propercy se¢wing the loan, Including repossession, ar udicIal
<br /> detainer. Nor shall �t 6e construed to pnvent any party's use of ba���y� j
<br /> foteclosure. Nu provision, a�f this agreement shall limit the right of the Horrower w exercise
<br /> - Borrower's rigtits under th�. �Jniform Covenant labeled "Borrowe�s RigM w Refnstate". Subject
<br /> - - . to these limitaiions,thls arbitration'agreement w111 survivo the pay-off of the loan.
<br /> SEVERABI[LTI'Y. If the arbitrator or siry court determines that one or more 2enns of
<br /> �— this arh+�tration agree�s►ent or the arbitratton Cods are unenforceable, such determination shall not
<br /> _°=— impair:�.��ar affe�t the enfotceability of the other terms of thIs arbitcation ag�eement or the
<br /> _-_ - = erbitration Code.
<br /> ����
<br /> . -���
<br /> _�_,�,-� N�TICE, WHEN YOU SI(3N THIS A[tBITRATiON RIDER, YOU ARE AGREEING
<br />--�-rtu�� THAT EVEAY DISPUTB DESCRIBED ABOVE MAY BE DECIDED EXCLUSrVELY �Y
<br /> ARBiTRATiON. YOU ARE GIVING UP RIGFiTS YOU MiGHT HAYE 1'O LITIGATE
<br /> -=`-��_� THOSB CLAIMS AND DISPUTES 1N A COURT OR JURY TRIAG OR TO PAItTICIPATE
<br /> =�=`-���-�" �g p REPRESBNTATlV1E OR MEMBER OF AAIY CLASS OF CLAIMANTS IN
<br /> :r�:..,s. '
<br />'��>�.;;;: "` � CONNECTION WtTH A CLAIM OR DISPUTE. DISCOVERY IN ARBiT1tATION
<br />-:�__-'; �.';' ' PROCEEDMGS IS LIMITED M THE MANNER PROVIOED BY THIS AGYtEEMEI�IT AND
<br /> �� � THE Ri1LES OF ARSITRATION. THE ARBITRATOYt'S DECISION WILL GENBR�►LLY
<br />'-'"�'=��� Bry�E F1NA��Ip. AN�/D�� BINDMG. OTHER RIG�HTS �THAu YO o�n�T�N �t� is YIIV�ORTwAN
<br /> � `�� � ' l O COVnT lriflY ALJV IVV I DG M�AtLf1LiLY i�� •��
<br /> �^�-��-+P+� THAT YOU READ THiS ENTIRE ARBITRATION AGREEMENT CAREFULLY BE�ORE
<br /> ��.�`,.:�."�� SIGNINGTEIiSARBITRATION RIDER.
<br /> � f- �� to the mvtstons contained in this Rtder.
<br /> . BY SIGNING BELOW, Boirower accepts and agrees
<br /> . . � ' _. .��%_ �
<br /> �J �/ pA�
<br /> BOriO '
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