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<br /> <br /> <br /> MODIFICATION OF DEED OF TRUST 201007729 <br /> Loan No: 6162366708-34 (Continued) Page 3 <br /> <br /> confession pursuant to a warrant of attorney contained in the Note or Related Documents, or (ii) challenge the waiver of a right to prior <br /> notice and a hearing before judgment is entered, or after judgment is entered, but before execution upon the judgment. Any claims, <br /> disputes or controversies challenging the confession of judgment shall be commenced and prosecuted in accordance with the procedures <br /> set forth, and in the forum specified by the applicable state rules of civil procedure or other applicable law. <br /> H. Real Property Provisions._ <br /> If California law governs the Dispute, the following provisions are Included: <br /> Real Property Collateral; Judicial Reference. Notwithstanding anything herein to the contrary, no Dispute shall be submitted to arbitration if <br /> the Dispute concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless (i) the holder of the <br /> mortgage, lien or security interest specifically elects In writing to proceed with the arbitration, or (ill all parties to the arbitration waive any <br /> rights or benefits that might accrue to them by virtue of the single action rule statute of California, thereby agreeing that all indebtedness <br /> and obligations of the parties, and all mortgages, liens and security interests securing such indebtedness and obligations, shall remain fully <br /> valid and enforceable. If any such Dispute is not submitted to arbitration, the Dispute shall be referred to a referee in accordance with <br /> California Code of Civil Procedure Section 638 at seq., and this general reference agreement is intended to be specifically enforceable in <br /> accordance with said Section 638, A referee with the qualifications required herein for arbitrators shall be selected pursuant to the AAA's <br /> selection procedures. Judgment upon the decision rendered by a referee shall be entered in the court in which such proceeding was <br /> commenced in accordance with California Code of Civil Procedure Sections 644 and 645, <br /> Small Claims Court. Any party may require that a Dispute be resolved in Small Claims Court if the Dispute and related claims are fully <br /> within that court's jurisdiction. <br /> If Idaho law governs the Dispute, the following provision is included: <br /> Real Property Collateral. Notwithstanding anything herein to the contrary, no Dispute shall be submitted to arbitration if the Dispute <br /> concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless (i) the holder of the mortgage, lien or <br /> security interest specifically elects in writing to proceed with the arbitration, or 60 all parties to the arbitration waive any rights or benefits <br /> that might accrue to them by virtue of the single action rule statute of Idaho, thereby agreeing that all indebtedness and obligations of the <br /> parties, and all mortgages, liens and security interests securing such indebtedness and obligations, shall remain fully valid and enforceable, <br /> If Montana law governs the Dispute, the following provision Is included: <br /> Real Property Collateral. Notwithstanding anything herein to the contrary, no Dispute shall be submitted to arbitration if the Dispute <br /> concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless (i) the holder of the mortgage, lien or <br /> security interest specifically elects in writing to proceed with the arbitration, or (ii) all parties to the arbitration waive any rights or benefits <br /> that might accrue to them by virtue of the single action rule statute of Montana, thereby agreeing that all indebtedness and obligations of <br /> the parties, and all mortgages, liens and security interests securing such indebtedness and obligations, shall remain fully valid and <br /> enforceable. <br /> If Nevada law governs the Dispute, the following provision is included: <br /> Real Property Collateral. Notwithstanding anything herein to the contrary, no Dispute shall be submitted to arbitration if the Dispute <br /> concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless (i) the holder of the mortgage, lien or <br /> security interest specifically elects in writing to proceed with the arbitration, or (ii) all parties to the arbitration waive any rights or benefits <br /> that might accrue to them by virtue of the single action rule statute of Nevada, thereby agreeing that all indebtedness and obligations of <br /> the parties, and all mortgages, liens and security interests securing such indebtedness and obligations, shall remain fully valid and <br /> enforceable. <br /> If South Dakota law governs the Dis ute, the following provision is included: <br /> Real Property Collateral. Notwithstanding anything herein to the contrary, no Dispute shall be submitted to arbitration if the Dispute <br /> concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless (i) the holder of the mortgage, lien or <br /> security interest specifically elects in writing to proceed with the arbitration, or (ii) all parties to the arbitration waive any rights or benefits <br /> that might accrue to them by virtue of the single action rule statute of South Dakota, thereby agreeing that all indebtedness and obligations <br /> of the parties, and all mortgages, liens and security interests securing such indebtedness and obligations, shall remain fully valid and <br /> enforceable. <br /> If Utah law governs the Dispute, the following provision is included: <br /> Real Property Collateral; Judicial Reference. Notwithstanding anything herein to the contrary, no Dispute shall be submitted to arbitration if <br /> the Dispute concerns indebtedness secured directly or indirectly, in whole or in part, by any real property unless (i) the holder of the <br /> mortgage, lien or security interest specifically elects in writing to proceed with the arbitration, or (ii) all parties to the arbitration waive any <br /> rights or benefits that might accrue to them by virtue of the single action rule statute of Utah, thereby agreeing that all indebtedness and <br /> obligations of the parties, and all mortgages, liens and security interests securing such indebtedness and obligations, shall remain fully valid <br /> and enforceable. If any such Dispute is not submitted to arbitration, the Dispute shall be referred to a master in accordance with Utah Rule <br /> of Civil Procedure 53, and this general reference agreement is intended to be specifically enforceable. A master with the qualifications <br /> required herein for arbitrators shall be selected pursuant to the AAA's selection procedures. Judgment upon the decision rendered by a <br /> master shall be entered in the court in which such proceeding was commenced in accordance with Utah Rule of Civil Procedure 53(e). <br /> TRUSTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS MODIFICATION OF DEED OF TRUST AND TRUSTOR AGREES <br /> TO ITS TERMS. THIS MODIFICATION OF DEED OF TRUST IS DATED OCTOBER 6, 2010. <br /> I <br />