To all whom these presents may concern:

______________________________, of ________________________,

address; City of ________________________, County of

____________________, State of _________________________,

mortgagor, send greetings:

Whereas ______________________________, mortgagor, in and by a

certain promissory note in writing, of even date with these

presents, am well and truly indebted to _______________________;

____________________________, City of ___________________________,

County of _________________________, State of

_______________________, in the full and just sum of $ ( & no/100

dollars):

Now, ______________________________, mortgagor, in consideration

of the debt and sum of money above mentioned, and for better

securing the payment thereof to mortgagee according to the terms

of the note, and also in consideration of the further sum of

$1.00, to me in hand well and truly paid by mortgagee at and

before the signing of these presents, the receipt of which is

acknowledged, have granted, bargained, sold, and released, and by

these presents grant, bargain, sell, and release to mortgagor, its

successors and assigns, the following described real estate

situated in the County of ___________________, State of South

Carolina:

__________________________________________________________________

Together with all and singular the rights, members, hereditaments,

and appurtenances to the premises belonging or in any manner

incident or appertaining.

To have and to hold all and singular the premises above mentioned

to mortgagee, its successors and assigns, forever. And

______________________________, mortgagor, hereby covenant to

warrant and forever defend all and singular the premises to

mortgagee, its successors and assigns, from and against myself and

my heirs, and against any person whomsoever lawfully claiming or

to claim the same or any part thereof.

Provided however that this conveyance is subject to the following:

__________________________________________________________________

SECTION ONE

INSURANCE

And ______________________________, mortgagor, my heirs,

executors, administrators, or assigns will keep the buildings and

improvements now standing or hereafter erected on the mortgaged

premises and any and all apparatus, fixtures, and appurtenances

now or hereafter in or attached to the buildings or improvements

insured against loss or damage by fire, windstorm, and such other

hazards as mortgagee may require, all such insurance to be in

forms, companies, and sum (not less than sufficient to avoid any

claim on the part of the insurers for coinsurance) satisfactory to

mortgagee that all insurance policies shall be held by, and shall

be for the benefit of and first payable in case of loss

to,mortgagee, and that at least 10 days before the expiration of

each such policy, a new and sufficient policy to take the place of

the one so expiring shall be delivered to mortgagee.

______________________________, mortgagor, assign to mortgagee all

moneys recoverable under each such policy and agree that in the

event of loss the amount collected under any policy of insurance

on the property may, at the option of mortgagee, be applied by

mortgagee on any indebtedness and or obligation secured hereby and

in such order as mortgagee may determine: or that such amount or

any portion thereof may, at the option of mortgagee, either be

used in replacing, repairing, or restoring the improvements

partially or totally destroyed to a condition satisfactory to

mortgagee or be released to mortgagor, in either of which events

mortgagee shall not be obligated to see to the proper application

thereof: nor shall the amount so released or used be deemed a

payment on any indebtedness secured hereby.

______________________________, mortgagor, hereby appoint

mortgagee my attorney, irrevocable, to assign each such policy in

the event of foreclosure of this mortgage. In the event

______________________________ shall at any time fail to keep the

buildings and improvements on the property so insured, mortgagee

may cause the same to be insured and reimburse itself for the

premium, with interest, under this mortgage or mortgagee at its

election may on such failure declare the debt due and institute

foreclosure proceedings.

Section TWO

TAXES AND ASSESSMENTS

______________________________, mortgagor, my heirs, executors,

administrators, and assigns, shall promptly pay all taxes assessed

and chargeable against the property. In default thereof, the

holder of this mortgage may pay the same, and such payment shall

become a part of the debt secured by this mortgage, whereupon the

entire debt secured by this mortgage shall become immediately due

and payable, if mortgagee shall so elect.

SECTION THREE

Acceleration

In case of default in the payment of any part of the principal

indebtedness or of any part of the interest at the time the same

becomes due, or in the case of failure to keep insured for the

benefit of mortgagee the buildings and improvements on the

premises against fire and tornado risk and other casualties and

contingencies as herein provided, or in case of failure to pay any

taxes or assessments to become due on the property within the time

required by law, mortgagee shall be entitled to declare the entire

debt due and to institute foreclosure proceedings.

SECTION FOUR

MAINTENANCE OF PROPERTY

______________________________, mortgagor, will keep and maintain

the premises and every part thereof with buildings, fixtures,

machinery, and appurtenances in thorough repair and condition and

make all necessary and proper replacements so that the buildings,

fixtures, machinery, and appurtenances will at all times be in

good condition, fit and proper for the respective purposes for

which they were originally erected or installed.

SECTION FIVE

CHANGE IN TAX LAW

In the event of the passage, after the date of this mortgage, of

any law of the State of South Carolina deducting from the value of

land, for the purpose of taxing any lien thereon, or changing in

any way the laws now in force for the taxation of mortgages or

debts secured by mortgage for state or local purposes, or in the

manner of the collection of any such taxes, so as to affect this

mortgage, the whole of the principal sum secured by this mortgage,

together with the interest due thereon shall, at the option of

mortgagee, without notice to any party, become immediately due and

payable.

Section SIX

RENTS AND PROFITS

And in case proceedings for foreclosure are instituted,

______________________________, mortgagor, agree to and hereby

assign the rents and profits arising or to arise from the

mortgaged premises whether occupied by the owner or any person,

firm, or corporation holding under or through the owner as

additional security for this loan, and agree that any judge of

jurisdiction may, in chambers or otherwise, appoint a receiver of

the mortgaged premises, with full authority to take possession of

the premises and collect the rents and profits and apply the net

proceeds (after paying costs of receivership) on the debt,

interest, costs, and expenses, without liability to account for

anything more than the rents and profits actually received.

Provided always, nevertheless, and it is the true intent and

meaning of the parties to these presents, that if

______________________________, mortgagor, my heirs, executors,

administrators, or assigns, do and shall well and truly pay or

cause to be paid to mortgagee the debt or sum of money above

mentioned with interest thereon,if any is due according to true

intent and meaning of the note, and any and all other sums that

may become due and payable hereunder, the estate hereby granted

shall cease, determine and be utterly null and void otherwise to

remain in full force and virtue.

And it is agreed by the parties that mortgagor shall be entitled

to hold and enjoy the premises until default shall be made as

herein provided.

Witness my hand and seal on _________________________.

____________________________________

______________________________

____________________________________________

______________________________

Witnesses as to ______________________________:

____________________________________________

____________________________________________

STATE OF ____________________

COUNTY OF ___________________

______________________________ personally appeared before me and

acknowledged the execution of this instrument.

Dated: ________________________

________________________________________

My Commission Expires: