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200300232 <br />EXCLUSION FROM ARBITRATION. This agreement shall not limit the right of Lender to (a) <br />accelerate or require immediate payment in full of the secured indebtedness or exercise the other Remedies <br />described in this Security Instrument before, during, or after any arbitration, including the right to foreclose <br />against or sell the Property; (b) exercise the rights set forth in the Uniform Covenant labeled "Protection of <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, without asserting any counterclaim or seeking affirmative relief <br />against Lender, then upon request of borrower such judicial proceedings shall be stayed or dismissed, and <br />the matter shall proceed to arbitration in accordance with the section entitled "Arbitration of Disputes ". Any <br />dispute that could otherwise have been asserted as a counterclaim or grounds for relief in such a judicial <br />proceeding shall be resolved solely in accordance with the section entitled "Arbitration of Disputes". <br />No provision of this agreement shall limit the right of Borrower to exercise Borrowers rights under the <br />Uniform Covenant labeled "Borrower's Right to Reinstate ". <br />NOTICE: BY SIGNING THIS ARBITRATION RIDER YOU ART, 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 />^^ """' Borrower <br />Dougl R. Hrehme <br />Borrower <br />Borrower <br />S. <br />Borrower <br />Page 2 oft <br />SCI Serviws Arbitration Rifler (052002) <br />(07- 11 -97) e- 23774 -41 <br />96 40052uff <br />