Rookie wide receiver David Gettis just atoned for that fourth-down drop, scoring his second TD of the game with 1:53 left on a 23-yard pass from Matt Moore.
Gettis now has eight catches, 125 yards and two TDs for Carolina, and this game is tied at 20-all.
Carolina went 63 yards in eight plays to tie the game after the defense gave the Panthers another chance.
Now the 49ers get a chance from their own 20, with 1:53 to go and all their timeouts. David Carr remains at QB, and the 49ers have rarely trusted him to throw the ball so far after he replaced the injured Alex Smith.