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9. Relation to Loan Agreement. This Security Instrument is subject to all of the applicable terms and conditions contained in the Loan Agreement. The Loan Agreement is to be filed in the County Clerk's Office in the County where the Property is located at the same time this Security Instrument is recorded. If Borrower fails to keep any of the promises Borrower makes in the Loan Agreement, Lender may require that the entire balance of Borrower's debt to Lender be paid immediately. The terms and conditions of this Rider shall survive the termination of the Loan Agreement and the repayment of the Loan. 10. Paragraph 6 of the Security Instrument. The first sentence of Paragraph 6 of the Security Instrument is hereby modified to read as follows: Borrower shall occupy, establish, and use the Property as Borrower's principal residence within 60 days after the end of the Construction Phase and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless Lender otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond Borrower's control. All other provisions in Paragraph 6 of this Security Instrument remain unchanged. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Rider. DATED this 26th day of July, 2013 (Seal) Jo .r n K Oseka - Borrower STATE OF NEBRASKA, Hall County ss: Th fore oing instrument was acknowledged before me this ,,_ day of �j .Z by JoAnn K Oseka. l Witness my hand and notarial seal at 2 i4 i 1 w. in said County, the date aforesaid. My Commission Expires: April 7, 2016 t IERM.NOrMY -States Nebr DANIEL ROTH My Comm. Exp. April 7, 2016 IDS, Inc. 201306040 (Seal) - Borrower MULTISTATE CONSTRUCTION LOAN RIDER TO SECURITY INSTRUMENT - Single Family - Fannie Mae Form 373711/01 (Page 4 of 4) Initials: Notary Public Daniel Roth ATTENTION COUNTY CLERK, This instrument covers goods that are or are to become fixtures on the Property described herein and is to be filed for record in the records where Security Instruments on real estate are recorded. Additionally, this instrument should be appropriately indexed, not only as a Security Instrument but also as a financing statement covering goods that are or are to become fixtures on the Property described herein. The mailing address of the Borrower (Debtor) and Lender (Secured Party) are set forth in this Security Instrument.