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while encumbered with a 184 mortgage. Borrower(s) further confirm and understand and agree that failure to <br />occupy the property as a principal residence as provided above, shall constitute a default under the terms and <br />conditions of the loan, and upon the occurrence of such default the whole sum of principal and interest shall <br />immediately become due and payable at the option of the holder of the note. <br />BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants in this Rider for a Section 184 <br />Mortgage for the Fee Simple Property. <br />Russell M Kallhoff <br />IDS, Inc. <br />(Seal) <br />- Borrower <br />lyn i esirae Kallhoff -Borro <br />201504514 <br />Form HUD -50121 2/14/2013 <br />Page 2 of 2 <br />