EXHIBIT 3.1



ARTICLES OF INCORPORATION OF FIRST CITIZENS BANCORPORATION OF SOUTH CAROLINA, INC.



The undersigned incorporates, each being more than eighteen years of age and desiring to form a corporation under the laws of the State of
South Carolina, declare that:



|1. | The name of the proposed corporation is First Citizens Bancorporation of South Carolina, Inc.
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|2. | The initial registered office of the corporation is 1230 Main Street located in the City of Columbia, County of Richland, and the State of South Carolina; and the name of its
initial registered agent at such address is R. W. Braswell.
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|3. | The period of duration of the corporation shall be perpetual.
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NOTE: PARAGRAPHS 4. THROUGH 5.e. BELOW WERE CHANGED 12/28/84 AND PARAGRAPHS 4. AND 5.e. WERE LATER CHANGED ON APRIL 28. 1993. THESE CHANGES ARE INCLUDED
AT THE END OF THIS DOCUMENT.



|4. | The corporation is authorized to issue 936,704 shares of common stock (par value $5.00 each); 77,045 shares of preferred stock, consisting of 10,000 shares of Series A Cumulative
Preferred Stock (par value $50.00 each); 15,000 shares of Series B Cumulative Preferred Stock (par value $50.00 each); 8,077 shares of Series C Cumulative Preferred Stock (par value $20.00 each); 8,000 shares of Series
D Cumulative Preferred Stock (par value $50.00 each); and 35,968 shares of Series F Cumulative Preferred Stock (par value $50.00 each).
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|5. | The relative rights, preferences and limitations of such classes and of the several series into which the preferred stock is divided are as follows:
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| | a. | Common
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Holders of common shares shall have one vote for each share on all matters on which shareholders are entitled to vote. They shall have no preemptive rights to buy or acquire from the corporation any shares of the
corporation, or any options or rights to purchase such shares. Their rights in respect of dividends and liquidation are subject to the rights and preferences of the holders of preferred shares as herein set forth.



| | b. | Preferred
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| | (i) | Series A Cumulative Preferred Stock - Holders of Series A shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $2.50 per share annually, payable quarterly. The corporation may, at its option, at any time on or after July 1, 1984, upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding Series
A shares at the rate of $50.00 per share, plus accrued and unpaid dividends.
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| | (ii) | Series B Cumulative Preferred Stock - Holders of Series B shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $2.50 per share annually, payable quarterly. The corporation may, at its option, at any time, upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding Series B shares at the rate of
$50.00 per share, plus accrued and unpaid dividends.
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| | (iii) | Series C Cumulative Preferred Stock - Holders of Series C shares are entitled to be paid, when declared by the Board of Directors, cash dividends (the
regular dividend) at the rate of $2.00 per share annually, payable quarterly. In addition to such regular dividends, holders of Series C shares are entitled to be paid when declared by the Board of Directors, a special
dividend (the special dividend) in December of each year in which the regular dividend per share paid on Series C shares is less than twice the amount per share paid by the corporation on its common shares. The special
dividend shall be that amount per share which equals the difference between the regular dividend paid per share on the Series C shares during such year and twice the amount
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of cash dividends per share paid on the common stock during such year. Upon any increase in the number
of common shares outstanding as a result of a stock split or stock dividend, the amount of the special dividend shall be adjusted to the extent necessary to avoid dilution of rights of holders of Series C shares to such dividend. The
corporation may, at its option, at any time, upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding shares of Series C at the rate of $100.00 per share, plus accrued and unpaid
dividends.



| | (iv) | Series D Cumulative Preferred Stock - Holders of Series D shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $2.50 per share annually, payable quarterly. The corporation may, at its option, at any time on or after February 1, 1985, upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding shares of
Series D at the rate of $100 per share, plus accrued and unpaid dividends.
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| | (v) | Series F Cumulative Stock - Holders of Series F shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate of $2.50
per share annually, payable quarterly. The corporation may, at its option, at any time upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding shares of Series F at the rate of $50.00
per share, plus accrued and unpaid dividends.
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| | c. | Before any dividend shall be declared or paid in respect of the Common Stock, the holders of Preferred Stock, without preference or priority as between series, shall be entitled,
when declared by the Board of Directors, to receive dividends at the rates hereinabove set forth. Such preference as to dividends shall be cumulative.
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| | d. | In the event of any liquidation, dissolution or winding up of the corporation, whether voluntary or involuntary, before any amount shall be paid in respect of the Common Stock, the
holders of Preferred Stock, without preference or priority as between series, shall be entitled to receive from assets available for distribution to shareholders for each such share held an amount equal to the par value thereof and to all dividends
accrued but unpaid as of the date of liquidation.
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| | e. | Holders of preferred shares of each series of preferred stock shall have one vote for each share on all matters on which shareholders are entitled to vote. Neither holders of common
shares nor holders of preferred shares shall have any right to vote as a class except in such cases as class voting may be required by law. There shall be no right of cumulative voting in the election of directors.
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|5. | The total amount of authorized capital stock is $8,293,460.00.
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|6. | The existence of the corporation shall begin as of the filing date with the Secretary of State.
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|7. | The number of directors constituting the initial board of directors of the corporation is seven, and the name and address of the persons who are to serve as directors until the
first annual meeting of shareholders or until their successors are elected and qualify are:
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|                   |  |                                 
|------------------ |  | --------------------------------
|Name               |  | Address                         
|Frank B. Holding   |  | 519 Rosewood Drive              
|                   |  | Smithfield, North Carolina 27577
|                   | 
|Paul D. Sloan      |  | 500 S. Fourteenth Avenue        
|                   |  | Dillon, South Carolina 29536    
|                   | 
|J. Bonner Baxter   |  | 747 Cross Hill Road             
|                   |  | Columbia, South Carolina 29205  
|                   | 
|William E. Sellars |  | 4721 Lockewood Lane             
|                   |  | Columbia, South Carolina 29206  



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|                          |  |                                  
|------------------------- |  | ---------------------------------
|Henry F. Sherrill         |  | 1718 Rosyln Drive                
|                          |  | Columbia, South Carolina 29206   
|                          | 
|C. M. Tucker, Jr.         |  | 610 North Pearl Street           
|                          |  | Pageland, South Carolina 29728   
|                          | 
|J. William Wakefield, Jr. |  | 1425 Thornwood Drive             
|                          |  | Spartanburg, South Carolina 29302



|8. | The purposes for which the corporation is organized are: to engage in business as a one-bank holding company or as a multi-bank holding company; to buy, sell and lease, develop and
deal in real property and personal property of every type and kind; to conduct manufacturing and mining operations of every type and kind; to engage in the business of providing services of all types; and to engage in such other lawful types of
business as the board of directors of the corporation may, from time to time, deem advisable.
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|9. | The name and address of each incorporator is:
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|                |  |                               
|--------------- |  | ------------------------------
|Name            |  | Address                       
|R. W. Braswell  |  | Route 1, Box 216              
|                |  | Chapin, South Carolina 29036  
|                | 
|Marie M. Savage |  | 240 Jamil Road                
|                |  | Columbia, South Carolina 29210



Dated: August 9, 1982



STATE OF SOUTH CAROLINA ) COUNTY OF RICHLAND )



The undersigned R. W. Braswell and Marie M. Savage do hereby certify that
they are the incorporators of First Citizens Bancorporation of South Carolina, Inc. and are authorized to execute this verification; that each of the undersigned for himself does hereby further certify that he has read the foregoing document,
understands the meaning and purport of the statements therein contained and the same are true to the best of his information and belief.



|               |  |                
|-------------- |  | ---------------
|R. W. Braswell |  | Marie M. Savage



NOTE: PARAGRAPHS 9.1 AND 9.2 WERE
ADDED APRIL 5, 1989 AND ARE INCLUDED AT THE END OF THIS DOCUMENT.



|10. | I, the undersigned, an attorney licensed to practice in the State of South Carolina, certify that the corporation, to whose articles of incorporation this certificate is attached,
has complied with the requirements of chapter 7 of Title 33 of the South Carolina code of 1976, relating to the organization of corporations, and that in my opinion, the corporation is organized for a lawful purpose.
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A. L. Moses

Lumpkin & Sherrill

Post Office Drawer
447, 1340 Bull Street

Columbia, South Carolina 29202

Dated: August 9, 1982



AMENDMENTS TO ARTICLES
OF INCORPORATION



The following are true and correct copies of changes to the
Articles of Incorporation of First citizens Bancorporation of South Carolina, Inc. which were duly authorized by the Shareholders, under Articles of Merger between First



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Citizens Bancorporation of South Carolina, Inc. and Twin States Financial Corporation, at a shareholders meeting held on
December 28, 1984. The changes involved paragraphs 4 and 5 which now read:



4. The corporation is authorized to issue 2,000,000 shares of Common Stock having a par value of $5.00 each; 1,000,000 shares of Non-Voting Common Stock having a par value of $5.00 each; 68,968 shares of preferred stock having a par
value of $50.00 each, and consisting of 10,000 shares of Series A Cumulative Preferred Stock, 15,000 shares of Series B Cumulative Preferred Stock, 8,000 shares of Series D Cumulative Preferred Stock, and 35,968
shares of Series F Cumulative Preferred Stock; 8,077 shares of preferred stock having a par value of $20.00 each and consisting of 8,077 shares of Series C Cumulative Preferred Stock; and 500,000 shares of preferred stock
without par value, designated as No-Par Preferred Stock and consisting of 590 shares of Series E Cumulative Preferred Stock, 11,659 shares of Series G Cumulative Preferred Stock, and 487,751 shares of such No-Par Cumulative
Preferred Stock not presently established as one or more series. The board of directors of the corporation shall have the authority to establish from such No Par shares one or more series and to fix and determine the relative rights and preferences
of the shares of any series so established.



5. The relative rights,
preferences and limitations of such classes and of the several series into which the preferred stock is divided are as follows:



a. Common Stock



Holders of shares of Common Stock shall have one vote for each share on all matters on which shareholders are entitled to vote and may vote cumulatively for the election of the corporations directors. They shall
have no preemptive rights to buy or acquire from the corporation any shares of the corporation, or any options or rights to purchase such shares. Their rights in respect of dividends and liquidation are subject to the rights and preferences of the
holders of preferred shares as herein set forth.



Holders of shares of
Non-Voting Common Stock shall have no right to vote on any matter on which shareholders are entitled to vote except in such instances as South Carolina law may require that they vote as a class, in which event holders of such shares shall have one
vote for each share. In all other respects, holders of Non-Voting Common Stock shall have the same rights, privileges and limitations (including lack of preemptive rights) that holders of Common Stock have.



b. Preferred



| | (i) | Series A Cumulative Preferred Stock - Holders of Series A shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $2.50 per share annually, payable quarterly. The corporation may, at its option, at any time upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding Series A shares at the rate of
$50.00 per share, plus accrued and unpaid dividends.
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| | (ii) | Series B Cumulative Preferred Stock - Holders of Series B shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $2.50 per share annually, payable quarterly. The corporation may, at its option, at any time, upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding Series B shares at the rate of
$50.00 per share, plus accrued and unpaid dividends.
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| | (iii) | Series D Cumulative Preferred Stock - Holders of Series D shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $2.50 per share annually, payable quarterly. The corporation may, at its option, at any time on or after February 1, 1985, upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding shares of
Series D at the rate of $100 per share, plus accrued and unpaid dividends.
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| | (iv) | Series E Cumulative Preferred Stock - Holders of Series E shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $10.00 per share annually, payable semi-annually. The corporation may, at its option, at any time upon twenty days written notice, call for redemption in cash all or any part (by lot if in part) of the then outstanding shares of Series
E at the rate of $200.00 per share, plus accrued and unpaid dividends.
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| | (v) | Series F Cumulative Preferred Stock - Holders of Series F shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $2.50 per share annually, payable quarterly. The corporation may, at its option, at any time upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding shares of Series F at the rate
of $50.00 per share, plus accrued and unpaid dividends.
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| | (vi) | C Cumulative Preferred Stock - Holders of Series C shares are entitled to be paid, when declared by the Board of Directors, cash dividends (the regular
dividend) at the rate of $2.00 per share annually, payable quarterly. In addition to such regular dividends, holders of Class C shares are entitled to be paid when declared by the Board of Directors, a special dividend (the
special dividend) in December of each year in which the regular dividend per share paid on Class C shares is less than twice the amount per share paid by the corporation on its common shares. The special dividend shall be
that amount per share which equals the difference between the regular dividend paid per share on the Class C shares during such year and twice the amount of cash dividends per share paid on the common stock during such year. Upon any
increase in the number of common shares outstanding as a result of a stock split or stock dividend, the amount of the special dividend shall be adjusted to the extent necessary to avoid dilution of rights of holders of Class C shares to
such dividend. The corporation may, at its option, at any time, upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding shares of Class C at the rate of $100.00 per share, plus accrued
and unpaid dividends.
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| | (vii) | Series G Cumulative Preferred Stock - Holders of Series G shares are entitled to be paid, when declared by the Board of Directors, cash dividends at the rate
of $2.50 per share annually, payable quarterly. The corporation may, at its option, at any time after January 1, 1990, upon twenty days written notice, redeem for cash all or any part (by lot if in part) of the then outstanding shares of Series
G at the rate of $50.00 per share, plus accrued and unpaid dividends.
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| | c. | Before any dividend shall be declared or paid in respect of the Common Stock, or the Non-Voting Common Stock the holders of preferred stock, without preference or priority as
between classes or series, shall be entitled, when declared by the Board of Directors, to receive dividends at the rates hereinabove set forth. Such preference as to dividends shall be cumulative.
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| | d. | In the event of any liquidation, dissolution or winding up of the corporation, whether voluntary or involuntary, before any amount shall be paid in respect of the Common Stock, or
the Non-Voting Common Stock the holders of preferred stock, without preference or priority as between class or series, shall be entitled to receive from assets available for distribution to shareholders all dividends accrued but unpaid as of the
date of liquidation and for each such share having a par value an amount equal to the par value thereof and for each share of Series G, the sum of $50.00, and for each share of Series E the sum of $200.00.
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| | f. | Holders of shares of Series A, B, C, D, F and G stock shall have one vote for each share on all matters on
which shareholders are entitled to vote, and may vote cumulatively for the election of the corporation s directors. Holders of shares of Series E stock shall have no right to vote on any matter on which shareholders are entitled to vote,
except as required by law and except that if at any time the dividend is in arrears on such series, the holders thereof may, in the election of the directors, cast one vote per share. Neither holders of common shares nor holders of preferred shares
shall have any right to vote as a class except in such cases as class voting may be required by law.
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E. W. Wells, Secretary



The following are true and correct copies of changes to the Articles of Incorporation of First Citizens Bancorporation of South Carolina, Inc. which were
duly authorized by the shareholders at a shareholders meeting held on April 5, 1989. The changes involved additions of paragraphs 9.1 and 9.2 which read:



9.1 Pursuant to Section 35-2-221 of the South Carolina Code, as amended, the provisions of Sections 35-2-201 through 35-2-226 of the 1976 South
Carolina Code, enacted as part of Section 8 of Act 444 of 1988 (R.490) shall not apply to this corporation.



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9.2 A director of the corporation shall not be personally liable for monetary damages for breach of
fiduciary duty as a director, except for: (i) act of omissions not in good faith or which involve gross negligence, intentional misconduct, or a knowing violation of law; (ii) any breach of the directors duty of loyalty to the corporation or
its stockholders; (iii) any transaction from which the director derived an improper personal benefit; or (iv) liability for unlawful distributions imposed under Section 33-8-330 of the 1976 South Carolina Code, as amended.



E. W. Wells, Corporate Secretary



On April 28, 1993, the corporation adopted the following Amendment(s) to its
Articles of Incorporation:



Resolved, that Paragraph 4 of the
Articles of Incorporation of the Corporation is hereby amended to read as follows:



4. The corporation is authorized to issue 2,000,000 shares of Common Stock having a par value of $5.00 each; 1,000,000 shares of Non-Voting Common Stock having a par value of $5.00 each; 68,968 shares of
preferred stock having a par value of $50.00 each, and consisting of 10,000 shares of Series A Cumulative Preferred Stock, 15,000 shares of Series B Cumulative Preferred Stock, 8,000 shares of Series D Cumulative
Preferred Stock, and 35,968 shares of Series F Cumulative Preferred Stock; 8,077 shares of preferred stock having a par value of $20.00 each and consisting of 8,077 shares of Series C Cumulative Preferred Stock; and 5,000,000
shares of preferred stock without par value, designated as No-Par Preferred Stock and consisting of 590 shares of Series E Cumulative Preferred Stock, 11,659 shares of Series G Cumulative Preferred Stock, and 4,987,751 shares
of such No-Par Cumulative Preferred Stock not presently established as one or more series. The board of directors of the corporation shall have the authority to establish from such No Par shares one or more series and to fix and determine the
relative rights and preferences of the shares of any series so established.



Resolved, that Paragraph 5 of the Articles of Incorporation of the Corporation is hereby amended to add sub-paragraph e thereto, which shall read as follows:



5. e. The corporation elects not to have preemptive rights with
respect to any class or series of its shares.



On
February 27, 2004, the corporation adopted the following Amendment(s) to its Articles of Incorporation:



Resolved, that Paragraph 1 of the Articles of Incorporation of the Corporation is hereby amended to read as follows:



The name of the proposed corporation is First Citizens Bancorporation,
Inc. 



Charles D. Cook, Corporate Secretary



On March 6, 2004, the corporation changed its registered agent to Charles
D. Cook. The address of the corporations registered office in South Carolina is 1230 Main Street, Columbia, South Carolina 29201. The address of the registered office and the address of the business office of the registered agent, as changed,
will be identical.



Charles D. Cook, Corporate Secretary