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pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds, annually analyzing the escrow
account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law permits
Lender to make such a charge. However, Lender may require Borrower to pay a one -time charge for an independent real
estate tax reporting service used by Lender in connection with this loan, unless applicable law provides otherwise. Unless
an agreement is made or applicable law requires interest to be paid, Lender shall not be required to pay Borrower any
interest or earning on the Funds. Borrower and Lender may agree in writing, however, that interest shall be paid on the
Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds, showing credits and debits to the
Funds and the purpose for which each debit to the Funds was made. The Funds are pledged as additional security for all
sums secured by this Security Instrument.
If the Funds held by Lender exceed the amounts permitted to be held by applicable law, Lender shall account to
Borrower for the excess Funds in accordance with the requirements of applicable law. If the amount of the Funds held by
Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing, and, in
such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up the
deficiency in no more than twelve monthly payments, at Lender's sole discretion.
Upon payment in ftull of all sums secured by the Security Instrument, Lender shall promptly reflrnd to Borrower
any Funds held by Lender. If, under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the
acquisition or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit
against the sums secured by this Security Instrument.
3. Application of Payments. Unless applicable law provides otherwise, all payments received by Lender under
paragraph 1 and 2 shall be applied; first, to any prepayment charges due under the Note; second, to amounts payable under
paragraph 2; third, to interest due; fourth, to principal due; and last, to any late charges due under the Note.
4. Charges; Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the
Property which may attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower
shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower shall pay them on
time directly to the person owed payment. Borrower shall promptly ftinush Lender all notices of amounts to be paid under
this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing
the payments.
Borrower shall promptly discharge any lien which has priority over this Security Instrurnent unless Borrower: (a)
agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender, (b) contests in
good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion
operate to prevent the enforcement of the lien; or c) secures from the holder of the lien an agreement satisfactory to
Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a
lien which may attain priority over this Security Iristiuiirent, Lender may give Borrower a notice identifying the lien.
Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice.
5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included with the term "extended coverage" and any other hazards,
including flood or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts and
for the periods that Lender requires. The insurance carrier providing the insurance shall be chosen by Borrower subject to
Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above,
Lender may at Lender's option, obtain coverage to protect Lender's rights in the Property in accordance with paragraph 7.
All insurance polices and renewals shall be acceptable to Lender and shall include a standard mortgage clause.
Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender
all receipts or paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance
carrier and Lender. Lender may make proof of loss if not made promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be applied to restoration or repair
of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If the
restoration or repair is not economically feasible or Lender's sccurity would be lessened, the insurance proceeds shall be
applied to the sums secured by this Security instrument, whether or not then due, with any excess paid to Borrower. If
Borrower abandons the Property, or dues nut within 30 days a notice from Lender that the insurance carrier has
offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore
the Property or to pay sums secured by this Security Instrument, whether or not then due. The 30 -day period will begin
when the notice is given.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
postpone the due date of the monthly payments referred to in paragraph 1 and 2 or change the amount of the payments. If
under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and proceeds resulting
from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security
Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property; Borrower's Loan Application;
Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days
after the execution of this Security Instrument 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. Burrower shall not
destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall
be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment
could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or
Lender's security interest. Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the
action or proceedings to be dismissed with a ruling that, in Lender's good faith detennination, precludes forfeiture of the
Burruwer's interest in the Property or other material impairment of the lien created by this Security Instrument or Lender's
security interest. Borrower shall also be in default if Borrower, during the loan application process, gave materially false
or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection
with the loan evidenced by the Note, including, but not limited to, representations concerning Borrower's occupancy or the
Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the
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Fri A I t Iiiaih Lu LMLLJt r a addi Asa slated herein or any other address Lender designates by notice to Bo a J. Any
notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as
provided in this paragraph.
15. Governing Law; Severability. This Security Inistrument. shall be governed by federal law and the law of the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the
Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note
which can be given effect without the conflicting provision. To this end the provisions of this Security Instillment and the
Note are declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this sc.curity
17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any
interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural
person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums
secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by
federal law as of the date of this Security Instnunent.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a
period of not less than 30 days from the date the notice is delivered or mailed within which Borrower rrwst pay all sums
secured by this Security Ins ruutieuit. If ];wruwer fails to pay these stalls prior to the expiration of this period, Lender may
invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower.
18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as
applicable law may specify for reinstatement) before sale of the Property pursuant to any power of sale contained in this
Security Instrument; or (b) entry of a judgment enforcing Ibis Security Jrisirumenl. Those conditions are that Burrower: (a)
pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had
occurred; (b) cures any default of any other covenants or agreements, c) pays all expenses incurred in enforcing this
Security Instrument, including but not limited to, reasonable attorney's fees; and (d) takes such action as Lender may
reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's
obligation to pay the sums secured by this Security Instrurrient shall continue unchanged. Upon reinstatement by Burrower,
this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred.
However, this right to reinstate shall not Apply in the case of acceleration under paragraph 17
19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this
Security Instrument) may be sold one or more times without prior notice to Borrower. A sale may result in a change in the
entity (known as the than Servicer") that collects monthly payrents due under the Note and this Security Instrument.
There also rosy be one of init cluauigcs of the Loan Sovietr ufu elated to a sale of the Note. If there is a change oldie
Loan Servicer, Borrower will he given written notice of the change in accordance with paragraph 14 above and applicable
law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be
made. The notice will also contain any other information required by applicable law.
20. Hazardous Substances. Borrower shall not cause or pernut the presence, use, disposal, storage, or release of
any Hazardous Substances un or in the Property. Burrower shall utui du, nor allow anyone else iv du, anything affecting the
Property that is in olation of any Environmental Law. The preceding two sentences shall not apply to the presence, use,
or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to
normal residential uses and to maintenance of the Property.
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by
any governmental or regulatory agency or private party involving the Property and any hazardous Substances or
Environmental Law of which Borrower has actual knowledge. If Borrower learns, or is noted by any governmental or
regulatory authority, that any removal or other remediation of any Hazardous Substances affecting the Property is
necessary, Borrower shall promptly lake all tiecessaty remedial ac:tiuns in accordance with Environmental Law.
As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous
substances by Environmental Law and the following substances: ,gasoline, kerosene, other flammable or toxic petroleum
products, toxic pesticides and herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive
materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the
Property is located that relate to health, safety or environmeru it protection.
NON UNIFORM COVENANTS. Borrower and Lender fiirtltr covenant and agree as follows:
21. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under
paragraph 17 unless applicable law provides otherwise). The notice shall specify: (a) the default; (b) the action
required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by
which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice
may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice
shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to
assert the non-- existence of a default or any other defense of Borrower to acceleration and sale. If the default is not
cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of
all sums secured by this Security Instrument without flrrther demand and may invoke the puwet' or safe acid any
other remedies permitted by applicable law. Lender shall be entitled to collect all expenses incurred in pursuing
the remedies provided in this paragraph 21, including, but not limited to, reasonable attorneys' fees and costs of
title evidence.
If Lender Invake!t the power of mete, Lender sh&l lye notice of Intent to foreeloae to Borrower rind to the
person in possession of the Property, if different, in accordance with applicable law. Lender shall give notice of
the sale to Borrower in the manner provided in paragraph 14. Lender shall publish the notice of sale, and the
Property shall be sold in the manner prescribed by applicable law. Lender or its designee may purchase the
Property all any Satre. Tito piu ..eeda of rite sale. S itll be applied hi the following of der: (at) to all a ik.suuaes of the
sale, including, but not limited to, reasonable attorneys' fees; a) to all sums secured by this Security Instrument;
and (c) any excess to the person or persons legally entitled to it.
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OSG6811
THIS ADDENDUM is made to a certain mortgage dated the 26th day of June, 192000, between the
mortgagors, Bruce J. Ludwig and Patricia L. Ludwig
and the Mortgagee, Wyoming Employees Federal Credit Union whose address is 2223 Warren Avenue,
Cheyenne, Wyoming 82001.
Paragraph 2 entitled "Funds for Taxes and Insurance" have been stricken from said mortgage, Borrower
and Lender hereby covenant and agree that Borrowers shall pay all installments for taxes, assessments,
insurance premiums, and ground rents directly as they become due and shall certify the same as being paid to
Lender annually on or before the anniversary date of this mortgage. Property har3.1rd insurance may be obtained
by Borrowers from any party acceptable to Lender in amounts and coverage's which shall also be subject to
Lender's approval. Failure to make payments for taxes, assessments, insurance and ground rents as they
become due; failure to maintain insurance in accounts and coverage's acceptable to Lender with parties
acceptable to Lender, subject to the provisions of Paragraph 5 of this Mortgage, shall be considered acts of
default subject to the remedies provided in Paragraph 18 of this Mortgage.
IN WITNESS WHEREOF, Borrowers and Lender have executed this Addendum to the Mortgage dated
this 26th day of Juste 1900
by and between the parties.
State of Wyoming
County of Teton
LENDER'S S1UNA1'URE:
State of Wyoming
County of Teton
ADDENDUM O MORTGAGE
i< AGE
ss
My Commission Expires: July 3001
My Commission Expires: July 30, 2000
The foregoing instncment was acknowledged before me this 26th day of jUNE, 19
MaryAnn Lawrence.
The foregoing instrument was acknowledged before this 26th] day of jUNE, 1900., by Bruce J. Ludwig, an
Patiicin L. Ludwig.
163