A. Dewall Waters

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.

SCBT Financial Corp. is the bank holding company for South Carolina Bank & Trust. The company, through its subsidiary, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina and Georgia. It provides customers with checking accounts, NOW accounts, savings and time deposits of various types, brokerage services and alternative investment products, such as annuities and mutual funds, trust and asset management services, loans for businesses, agriculture, real estate, personal use, home improvement and automobiles, credit cards, letters of credit, home equity lines of credit, safe deposit boxes, bank money orders, wire transfer services, correspondent banking services, ATM processing, and trust services. SCBT Financial was founded in 1985 and is headquartered in Columbia, SC.