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Shareholder Services
Shareholders seeking information regarding stock transfer, lost certificates, dividends (including reinvestment and direct deposit), and address changes should contact our transfer agent:

Registrar and Transfer Company
10 Commerce Drive
Cranford, NJ 07016-3572
800-368-5948
invrelations@rtco.com

Dividend Reinvestment Plan - Carolina First shareholders may purchase additional shares of common stock at a 5% discount by reinvesting their 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. Please contact Investor Relations for more information.

Direct Deposit of Dividends - Carolina First Shareholders may elect to have their dividend payments deposited into personal bank accounts on the same day dividends are paid. Please contact our Transfer Agent for more information.