You need to know:

• Insurance premium payments are not deposits and are not backed by the FDIC.
  
  

• Insurance products, other than the National Flood Insurance Program, are not guaranteed by any federal government agency.
  
  

• Insurance products are not guaranteed by any bank.
  
  

• Any insurance product depends on the financial stability of the insurance carrier and may lose value if the insurance carrier has financial problems.  Financial rating information for insurance carriers is available on request.  
  
  

• While we would like very much to have you as a customer for both bank services and insurance products, the decision to extend credit is not influenced by whether or not you choose to purchase insurance from us.

If you have any questions regarding this information, please contact your agent at Associated Insurors, First Southeast Insurance Services, Inc. or First Financial Holdings’ department of Insurance Services.