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<br />e <br /> <br />e <br /> <br />200509569 <br /> <br />"Arbitration Rider" <br /> <br />Loan No: 11905267 <br />Borrower: MARIA VALLE <br /> <br />Data ID: 766 <br /> <br />ARBITRA TION RIDER <br /> <br />THIS RIDER is made this 14th day of September, 2005, and is incorporated into and shall be deemed <br />to amend and supplement the Mortgage, Deed of Trust or Security Deed (the "Security Instrument") of <br />the same date given by the undersigned (the "Borrower") to secure Borrower's Note (the "Note") to <br />AMERICA'S MONEYLINE, INC. (the "Lender") of the same date and encumbering the property <br />described in the Security Instrument and located at: <br />703 W 12TH ST <br />GRAND ISLAND, NEBRASKA 68801 <br />[Property Address] <br /> <br />As used in this Rider the term "Lender" includes Lender's successors and assigns, the company servicing <br />the Note on Lender's behalf (the "Servicer"), any mortgage broker involved in the origination of the <br />mortgage loan evidenced by the Note and Security Instrument, and any settlement agent, escrow agent <br />or closing attorney involved in the settlement of the mortgage loan evidenced by the Note and Security <br />Instrument. <br /> <br />ADDffiONAL COVENANTS. In addition to the covenants and agreements made in the Security <br />Instrument, Borrower and Lender further covenant and agree as follows: <br /> <br />ARBITRATION OF DISPUTES. All disputes, claims, or conlroversics arising from or related to the <br />loan evidenced by the Note (the "Loan"), including statutory claims, shall be resolved by binding <br />arbitration, and not by court action, except as provided under "Exclusions from Arbitration" below. This <br />arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be <br />governed by the Federal Arbitration Act (9 USe. ~~ 1-14). In any arbitration hereunder, the arbitrator <br />shall be appointed by, and the arbitration conducted pursuant to the rules of procedure of, either one of <br />the following arbitration service providers as shall he selected hy the party initiating such arbitration: <br />National Arbitration Forum or American Arbitration Association. However, if any law applicable to the <br />Loan requires mortgage lenders to engage, or would otherwise impose enhanced regulatory restrictions <br />on mortgage lenders to engage, any particular arbitration service provider, the parties agree to engage <br />such specified provider. Any arbitration hearing shall be conducted within the Federal judicial district <br />in which the Property is located, or within such other or more limited area as required by any applicable <br />law. The arbitrator shall set forth in the award findings of fact and conclusions of law supporting the <br />decision, which must be based on applicable law and supported by substantial evidence presented in the <br />proceeding. Judgment upon the award may be entercd by any court of competent jurisdiction. All <br />disputes subject to arbitration under this agreement shall be arbitrated individually, and shall not be <br />subject to being joined or combined in any proceeding with any claims of any persons or class of persons <br />other than Borrower or Lender. <br /> <br />(12/01/2004) <br /> <br />(Page 1 of 3 Pages) <br /> <br />111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111 <br /> <br />P+0011905267 +4469+01 +03+SXARBIT <br />