Bank of South Carolina Corporation is a bank holding company that conducts its business through its wholly owned subsidiary, The Bank of South Carolina (the Bank). The Bank serves Berkeley, Charleston and Dorchester counties as an independent, community-oriented commercial bank concentrating on individuals and small and medium-sized businesses. The Bank offers a full range of deposit services, including checking accounts, savings and certificate of deposit accounts, money market and NOW (negotiable order of withdrawal) accounts and retirement accounts such as IRAs (individual retirement accounts). Lending services include a full range of commercial, personal and mortgage loans. The Banks primary focus is on business lending. The Bank offers credit cards (through correspondent banking services), including MasterCard and Visa, along with a personal checking account related line of credit.