Affinity Technology Group, Inc.
                        Public Offering of Common Stock

                                                                April 3, 1996

Donaldson, Lufkin & Jenrette
  Securities Corporation
Montgomery Securities
As Representatives of the several Underwriters,

Dear Sirs:

  This letter is being delivered to you in connection with the proposed 
Underwriting Agreement (the "Underwriting Agreement"), between Affinity 
Technology Group, Inc., a Delaware corporation (the "Company"), and you 
as representative of a group of Underwriters named therein, relating to 
an underwritten public offering of Common Stock, $.0001 par value (the 
"Common Stock"), of the Company.

  In order to induce you and the other Underwriters to enter into the 
Underwriting Agreement, the undersigned agrees not to offer, sell or 
contract to sell, or otherwise dispose of, directly or indirectly, or 
announce an offering of, any shares of Common Stock beneficially owned 
by the undersigned or any securities convertible into, or exchangeable for, 
shares of Common Stock for a period of 180 days following the day on which 
the Underwriting Agreement is executed without the prior written consent of 



Montgomery Securities other than shares of Common Stock disposed of as 
bona fide gifts.

  If for any reason the Underwriting Agreement shall be terminated prior to the
Closing Date (as defined in the Underwriting Agreement), the agreement set 
forth above shall likewise be terminated.

                                          Yours very truly,
                                          Carolina First Corporation

                                          (Signature of Mack Whittle Jr.
                                           appears here)

                                          by: Mack Whittle Jr.
                                             -----------------------------