Corporate Profile

Atlantic Coast Financial Corporation, headquartered in Jacksonville, Florida, is the holding company for Atlantic Coast Bank, a community-oriented financial institution serving the Northeast Florida, Central Florida and Southeast Georgia markets through 10 full-service branches and 5 lending offices.

A federally chartered and insured stock savings bank, Atlantic Coast Bank was organized in 1939 as a credit union to serve the employees of the Atlantic Coast Line Railroad. In November 2000, the credit union converted its charter from a federal credit union to a federal mutual savings bank, with Atlantic Coast Federal Corporation serving as the mutual holding company. In February 2011, Atlantic Coast Financial Corporation became the successor company to Atlantic Coast Federal Corporation after its conversion from a mutual holding company structure to a stock corporation.

Atlantic Coast Financial Corporation and Atlantic Coast Bank have traditionally focused on attracting deposits and investing those funds primarily in loans, including commercial real estate loans, consumer loans, first mortgages on owner-occupied, one- to four-family residences, and home equity loans. Additionally, funds are invested in multi-family residential loans, and commercial construction and residential construction loans.

Contact Information
 Investor Relations Contact
Tracy L. Keegan
Executive Vice President and Chief Financial Officer
Atlantic Coast Financial Corporation
4655 Salisbury Road, Suite 110
Jacksonville, FL 32256
(904) 559-8599

Investor Relations Firm
Corporate Communications, Inc.
3100 West End Avenue, Suite 550
Nashville, TN 37203
(615) 254-3376

Corporate Communications, Inc. Contact:
Patrick J. Watson
Senior Vice President and Principal
(615) 324-7309

Transfer Agent
P.O. Box 30170
College Station, TX 77845-3170
(800) 368-5948

Shareholder online inquiries:

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Atlantic Coast Bank routing number: 261271717

Lost or stolen cards
During business hours: Call 1-800-342-2824; option 5
After hours: Call 1-800-342-2824; option 3, then option 1