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20040951A <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 MAY BE LIMITED BY THE RULES OF PROCEDURE OF THE <br />SELECTED ARBITRATION SERVICE PROVIDER. <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 />James W BARTLETT <br />Page 3 of 3 <br />SCI Services Arbitration Rider (08/01/2004) <br />(07- 11 -97) c- 2377441 <br />96440053.uffArbitration Rider \Modified 07.23.04 <br />Borrower <br />Borrower <br />Borrower <br />Borrower <br />