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200406925 beginning and continuing a judicial action or pursuing self -help remedies will not constitute a waiver of the right to compel arbitration. The arbitrator will determine whether a Dispute is arbitrable. A single arbitrator will resolve any Dispute, whether individual or joint in nature, or whether based on contract, tort, or any other matter at law or in equity. The arbitrator may consolidate any Dispute with any related disputes, claims or other matters in question not arising out of this Transaction. Any court having jurisdiction may enter a judgment or decree on the arbitrator's award. The judgment or decree will be enforced as any other judgment or decree. Lender and Grantor acknowledge that the agreements, transactions or the relationships which result from the agreements or transactions between and among Lender and Grantor involve interstate commerce. The United States Arbitration Act will govern the interpretation and enforcement of this section. The American Arbitration Association's Commercial Arbitration Rules, in effect on the date of this Security Instrument, will govern the selection of the arbitrator and the arbitration process, unless otherwise agreed to in this Security Instrument or another writing. 29. WAIVER OF TRIAL FOR ARBITRATION. Lender and Grantor understand that the parties have the right or opportunity to litigate any Dispute through a trial by judge or jury, but that the parties prefer to resolve Disputes through arbitration instead of litigation. If any Dispute is arbitrated, Lender and Grantor voluntarily and knowingly waive the right to have a trial by jury or judge during the arbitration. NOTICE TO CONSUMER: 1. Do not sign this paper before you read it. 2. You are entitled to a copy of this paper. 3. You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned charges in accordance with law. SIGNATURES. By signing, Grantor agrees to the terms and covenants contained in this Security Instrument. Grantor also acknowledges receipt of a copy of this Security Instrument. GRANTPW Thomas F Eisenmenger Individually Ker J Ei i anger Individually ACKNOWLEDGMENT. (Individual) /� OFz� , COUNTY OF ss. This instrument was acknowledged before me this I 25 rh day of \Jw2e .CCXI� by Thomas F Eisenmenger , Husband, and Kerry J wnrnenge Wife. ) My cmi upires^— r SOOi'£om'uer 4x3 AAN r e3n31Ml+oS iv ivd s to alelS hstl10N ttltl3N3O (Notary Pub i NOTARY-50il of Nebaska epseJ'JaN GENERAL y pAT SGHWIEGER Comm. E, Jan. 3 2005 r� o Nablaake eeea eiTrvrt Initials IA14X W76121700725200004364023062204Y -1996 Bankers Systems, Inc.. St. Claud, MN Fir V Page 5