Financial Fitness

Enhanced 401(k) Plan

• All associates may participate in the Enhanced 401(k)
• Matching contribution of 100% of the first 6%
• Annual employer contribution
• Contributions are 100% vested immediately
• A number of quality investment options are available

529 College Savings Plans

• Save for college education via payroll deduction and enjoy tax advantages
• South Carolina residents are offered the Future Scholar 529 College Savings Plan
• Georgia residents are offered the Georgia Higher Education Savings Plan

Life Insurance

• Basic life insurance coverage of two times base annual salary, subject to a maximum of $800,000
• Provided at no cost to benefits-eligible associates

Accidental Death and Dismemberment (AD&D)

• AD&D coverage is also provided at two times base annual salary, subject to a maximum of $800,000
• Provided at no cost to benefits eligible associates

Voluntary Life Insurance

• Additional life insurance available to associates up to four times annual base salary, subject to a maximum of $500,000
• Guaranteed issue up to $150,000 at initial eligibility

Dependent Life Insurance

• Spouse coverage available up to $150,000, with guaranteed issue up to $50,000 at initial eligibility
• Dependent children coverage available up to $10,000 for each child

Travel Accident Insurance

• Coverage provided by First Citizens while traveling on official bank business
• Coverage for an additional 10 times annual salary (maximum $250,000 coverage) per individual