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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 14A INFORMATION

Proxy Statement Pursuant to Section 14(a) of the
Securities Exchange Act of 1934
Filed by the Registrant ☒

Filed by a Party other than the Registrant ☐

Check the appropriate box:
Preliminary Proxy Statement
Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))
Definitive Proxy Statement
Definitive Additional Materials
Soliciting Material Pursuant to §240.14a-12
Carolina Trust BancShares, Inc.
(Name of Registrant as Specified In Its Charter)
 
(Name of Person(s) Filing Proxy Statement, if other than the Registrant)

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[Carolina Trust BancShares, Inc. Letterhead]

November 20, 2018

Dear Shareholder:

We recently mailed you proxy materials in connection with our upcoming Special Meeting of Shareholders to be held on December 12, 2018. The purpose of this meeting is to approve the merger of Carolina Trust BancShares, Inc. and Clover Community Bankshares, Inc. and related matters. According to our records, we have not yet received your vote.

Please take a moment to vote your shares by returning your voting form in the envelope provided. You can also vote by internet by following the instructions in your proxy materials.

Please disregard this letter if you have already voted your shares.

Thank you for your cooperation and support.

Sincerely,

/s/ Jerry L. Ocheltree

Jerry L. Ocheltree
President & CEO

PLEASE VOTE AND SUBMIT YOUR PROXY TODAY!

Additional Information About the Merger and Where to Find It

In connection with the proposed merger of Clover Community Bankshares, Inc. (“Clover”) with and into Carolina Trust BancShares, Inc. (“Carolina Trust”), Carolina Trust has filed with the Securities and Exchange Commission, or SEC, a Registration Statement on Form S-4 that includes a Joint Proxy Statement of Carolina Trust and Clover and a Prospectus of Carolina Trust, as well as other relevant documents concerning the proposed merger.

SHAREHOLDERS OF CAROLINA TRUST AND CLOVER ARE URGED TO READ THE REGISTRATION STATEMENT AND THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE PROPOSED MERGER AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE PROPOSED MERGER.

The Joint Proxy Statement/Prospectus and other relevant materials, and any other documents that Carolina Trust has filed with the SEC, may be obtained free of charge at the SEC's internet site, http://www.sec.gov. Copies of the documents that Carolina Trust has filed with the SEC may also be obtained, free of charge, by directing a written request to Carolina Trust, 901 East Main Street, Lincolnton, NC 28092, Attn: Edwin Laws, Chief Financial Officer, or by accessing these documents at Carolina Trust’s website: www.carolinatrust.com.


901 East Main Street PO Box 308 Lincolnton, NC 28093-0308
704-735-1104 Fax: 704-735-1258