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receipt requested. <br /> The arbitration shall be conducted before a tribunal composed of one neutral <br /> arbitrator chosen by mutual agreement of the parties or, if no such mutual selection is <br /> made, in accordance with the procedures of the Commercial Arbitration Rules. The <br /> arbitrator shall be an attorney admitted to the Bar of the State who shall have practiced for <br /> at least fifteen (15) years, and shall have significant expertise in the areas of public and <br /> housing finance. The arbitrator shall determine the rights and obligations of the parties <br /> according to the substantive laws of the State, excluding conflicts of laws principles. The <br /> arbitration award shall be based on and accompanied by a written opinion containing <br /> findings of fact and conclusions of law. The place of arbitration shall be in NUinesetathe <br /> State unless otherwise agreed by the parties or unless the arbitrator designates some other <br /> location. <br /> MILLER JOHNSON STEICHEN <br /> KINNARD,INC., <br /> as Underwriter herein specified <br /> By: <br /> Its: <br />