SCBT Financial Corporation (SCBT) is a bank holding company. The Company provides a range of banking services and products to its customers through its wholly owned subsidiary, SCBT, N.A. (formerly known as South Carolina Bank and Trust, N.A.) (the Bank), a national bank. The Bank provides a range of retail and commercial banking services, mortgage lending services, trust and investment services, and consumer finance loans through 50 financial centers in 16 South Carolina counties and Mecklenburg County of North Carolina. On November 8, 2008, SCBT merged The Scottish Bank, N.A. (TSB or The Scottish Bank) into SCBT, N.A. On December 6, 2008, the Company merged South Carolina Bank and Trust of the Piedmont, N.A. (Piedmont) into SCBT, N.A. TSB operates as North Carolina Bank and Trust (NCBT) and Piedmont operates as South Carolina Bank and Trust of the Piedmont, both divisions of SCBT, N.A.