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The youngest of seven children, Mrs. Ruth was raised on a farm in Centenary, S.C. She began working for First Charter in 1955 while a junior in high school after her older sister, who worked for the company, mentioned they needed a part-time employee. After graduation, she continued to work for First Charter full-time and was able to purchase the agency in 1982. The business thrived under her leadership, and she was able to purchase two additional agencies and add real estate to the list of services. Her love for her customers and business continues as she is still actively working with First Charter Company.