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©2020 First Data Corporation, All Rights Reserved. All trademarks, service
marks, and trade names referenced in this material are the property of their respective owners. South Atlantic Bank is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA. All Rights Reserved. The Clover name, logo, and related trademarks are owned by Clover Network, Inc., a wholly owned subsidiary of First Data Corporation, and are registered or used in the U.S. and many foreign countries.

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Not a bank or credit union deposit obligation. Not FDIC or NCUA insured. Not insured by any federal government agency. Not guaranteed by any bank or credit union. May go down in value.

South Atlantic Bank receives compensation from MML Investors Services (MMLIS) and its affiliates for referring clients to MMLIS and its representatives. MMLIS’s affiliates include Massachusetts Mutual Life Insurance Company (MassMutual), MML Bay State Life Insurance Company (MML Bay State), C.M. Life Insurance Company (CM Life) and MML Insurance Agency, LLC (MMLIA). As a result, South Atlantic Bank has an incentive to refer clients to MMLIS and its representatives.

For the products and services offered through MMLIS, South Atlantic Bank with receive 12% of the dealer concessions, commissions and advisory fees received by MMLIS. For products offered through MMLIA, South Atlantic Bank will receive a percentage (which will be determined at the time of purchase) of the compensation paid to the MMLIS representative. For all products offered by MassMutual, MML Bay State and CM Life, South Atlantic Bank will receive a percentage (which will be determined at the time of purchase) of the compensation paid to the MMLIS representative.

Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC., Member SIPC. Supervisory Office: 40 Calhoun Street, Suite 310, Charleston, SC 29401, Phone: 843-856-3411. South Atlantic Bank is not a subsidiary or affiliate of MML Investors Services and is not a current client. Local sales agencies are not subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual) or its affiliated companies.