Carolina First Corporation 1998 Annual Report

Shareholder Information
Stock Listing
The Nasdaq Stock Market Ticker Symbol: CAFC

Market Makers

    Bear Stearns & Co.
    J.C. Bradford & Co.
    Fox-Pitt, Kelton Inc.
    Friedman, Billings, Ramsey & Co. Inc.
    Interstate/Johnson Lane
    Keefe, Bruyette & Woods, Inc.
    Morgan Keegan & Co., Inc.
    The Robinson-Humphrey Co., Inc.
    Sterne, Agee & Leach
    Wheat First Union

Dividend Calendar
Dividends, if approved by the Board of Directors, are customarily paid to shareholders of record as follows:

Record Dates: January 15, April 15, July 15 and October 15

Payment Dates: February 1, May 1, August 1 and November 1


Dividends Per Share

Dividend chart
Stock Information

AT YEAR END 1998 1997 % change
Common stock closing market price (Nasdaq) $ 25.31 $ 21.50 17.7%
Shareholders of record 4,804 3,893 23.4
Annual shares traded (000's) 17,201 13,053 31.8
Shares outstanding (000's) 22,005 15,659 40.5


Shareholders seeking information regarding stock transfer, lost certificates, dividends and address changes should contact the Transfer Agent by calling (800) 241-5568 or by writing: Reliance Trust Company, P.O. Box 48449, Atlanta, GA 30340-4099.


Carolina First Corporation has a Dividend Reinvestment Plan which allows shareholders to purchase additional shares of common stock at a 5% discount by reinvesting cash dividends. Participants in the Plan may also invest additional cash, up to a maximum of $10,000 per month, for purchase of common stock at market value. For more information, please fill out the card in the back of this report or contact Investor Relations.


Carolina First Corporation offers shareholders the convenience of automatic deposit of dividends into personal bank accounts on the same day dividends are paid. For more information, please fill out the card in the back of this report or call the Transfer Agent at (800) 241-5568.

    Analysts, investors and others seeking financial information should contact:
    Mary M. Gentry, Treasurer
    Carolina First Corporation
    P.O. Box 1029
    Greenville, SC 29602
    (800) 951-2699 ext.54919
    E-mail: mgentry@carolinafirst.com

    Carolina First Corporation’s Internet address is: http://www.carolinafirst.com

Form 10-K
A copy of the Carolina First Corporation Annual Report to the Securities and Exchange Commission on Form 10-K is available at no charge to shareholders by contacting Investor Relations.

Annual Meeting
The Annual Meeting of Shareholders will be held at 10:30 a.m., April 21, 1999
at the Gunter Theatre, Peace Center for the Performing Arts, Greenville, South Carolina.

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