In order to provide or maintain your accounts, we may gather “nonpublic personal information” about you.  Collected via our account application and other account documentation, this information is critical to open and administer your account.  Common examples may include your account history, loan payment history, and similar data.  Such information may come from any of the following sources:

• Information we receive from you on applications or other loan and account forms

• Information about your transactions with us, our affiliates or others

• Information we may receive from third parties such as credit bureaus, property inspection services, or the Department of Motor Vehicles

• Predecessor trustees (when applicable)

• Attorneys, accountants, or other professionals assisting in the administration of your account(s)

• Transactions facilitated through First Financial affiliates

In addition to the servicing of your accounts, we may use this information to help develop new products and services to better meet your needs.  It also may be used to help us alert you to products and services that may be of value to you. To provide superior customer service to our clients, it is sometimes necessary for us to share information within the First Financial family of companies.  However, when any affiliate gathers credit information from you or about you, it stays completely within that affiliate.

Security

First Financial Holdings and its affiliates have extensive procedures in place to ensure the protection of customer data.  Electronically stored information is housed in a secured area with limited, password protected access.  Also, as part of the Company’s disaster preparedness plan, electronic data are regularly backed up and housed in a highly secure, off-site facility.  Other media (paper, microfilm, etc.) are housed in a secure area with limited access.  We always strive to meet or exceed regulations on data security and customer privacy.

Access

Access to customer information is highly restricted.  It is limited to authorized employees of First Financial and service providers assisting our business operations.  These individuals and firms are thoroughly screened and required to meet First Financial’s guidelines for data security.  Periodically, we may be required to provide certain information in response to government or law enforcement agencies.  Beyond these exceptions, information is not shared with third-parties outside of the First Financial family of affiliates.

Accuracy

To ensure the best level of service, First Financial is committed to keeping its information records as accurate as possible.  Transaction history is updated often, and, upon notification by you, we will update your records to reflect changes in address, marital status, account ownership and similar information that may have a bearing on your accounts.

Questions

As part of our commitment to you, we will provide you with an up-to-date copy of our privacy policy each year.  Printed copies are also available at offices of any First Financial affiliate. If you have questions, please call any of our family of affiliates.

First Financial Holdings, Inc.		843.529.5933
First Federal	Toll-free 888.529.2220	843.529.5555
First Southeast Investor Services		843.724.0830
First Southeast Fiduciary and Trust		843.724.0801
First Southeast Insurance Services		877.593.5683
Associated Insurors		843.449.7405
Kinghorn Insurance Services		843.837.8000
Johnson Insurance Associates		803.739.0001

Our Privacy Commitments to You

Commitment 1: Your information will not be sold to marketers or any other third-party.

Commitment 2: Your information will not be shared beyond the First Financial family of companies, firms assisting us in our day-to-day operations, and governmental agencies as needed.

Commitment 3: Your medical and credit data will not be shared among First Financial affiliates or any other part without your authorization.

Commitment 4: First Financial and its affiliates maintain safeguards to ensure the security of your information.  We also hold the firms assisting us contractually accountable to similar safeguards.

Commitment 5: We protect and safeguard the privacy information supplied on-line, just as we do through the rest of our business.  Personal information provided by sending e-mail or completing guest registers or information request forms will be used to help communicate with you and to help us answer your questions.