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200304703 <br />The arbitrator will determine whether a Dispute is arbitrable. A single arbitrator will resolve any Dispute, <br />whether individual or joint in nature, or whether based on contract, tort, or any other matter at law or in equity. <br />The arbitrator may consolidate any Dispute with any related disputes, claims or other matters in question not <br />arising out of this Transaction. Any court having jurisdiction may enter a judgment or decree on the arbitrator's <br />award. The judgment or decree will be enforced as any other judgment or decree. <br />Lender and Grantor acknowledge that the agreements, transactions or the relationships which result from the <br />agreements or transactions between and among Lender and Grantor involve interstate commerce. The United <br />States Arbitration Act will govern the interpretation and enforcement of this section. <br />The American Arbitration Association's Commercial Arbitration Rules, in effect on the date of this Security <br />Instrument, will govern the selection of the arbitrator and the arbitration process, unless otherwise agreed to in <br />this Security Instrument or another writing. <br />29. WAIVER OF TRIAL FOR ARBITRATION. Lender and Grantor understand that the parties have the right or <br />opportunity to litigate any Dispute through a trial by judge or jury, but that the parties prefer to resolve Disputes <br />through arbitration instead of litigation. If any Dispute is arbitrated, Lender and Grantor voluntarily and <br />knowingly waive the right to have a trial by jury or judge during the arbitration. <br />NOTICE TO CONSUMER: <br />1. Do not sign this paper before you read it. <br />2. You are entitled to a copy of this paper. <br />3. You may prepay the unpaid balance at any time without penalty and may be entitled to receive a <br />refund of unearned charges in accordance with law. <br />SIGNATURES. By signing, Grantor agrees to the terms and covenants contained in this Security Instrument. <br />Grantor also acknowledges receipt of a copy of this Security Instrument, <br />GRAN OR: io <br />mes Washington <br />Indiv u Ily <br />Gerri J Washinobn <br />Individually <br />ACKNOWLEDGMENT. <br />(Individual) <br />A-fa4 OF [Vf Qf �C• _ OF as. <br />This instrument was acknowledged before me this y '&, day of <br />by James D Washington , HUSBAND, and Gerri J Washington, WIFE. i7 <br />My commission expires: <br />(Notary Public) <br />"GENERAL NOTARY. suamwass <br />LimDONNA L SCHWARTZ <br />MI Omm. Exp. Feb. 7,20% <br />Nebraska OeednOfTmt Initials JW <br />IA /9x W9a032600623900003872021 90303Y ®1996 Banker. Sysiams. Inc., S1 Cloud, MN F�,1C 8e 5 <br />