Corporate Profile

Atlantic Coast Financial Corporation, headquartered in Jacksonville, Florida, is the holding company for Atlantic Coast Bank, a community-oriented financial institution serving northeastern Florida and southeastern Georgia markets through 11 branches, including a focus on the Jacksonville metropolitan area. A federally chartered and insured 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. 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 in February 2011.

Atlantic Coast Bank is focused on attracting retail and commercial deposits and investing those funds in traditional loan opportunities, including one- to four-family residential mortgages, home equity, commercial real estate, automobile and consumer loans. Atlantic Coast Bank also originates multi-family residential mortgage loans, commercial business loans, SBA loans and construction loans within its geographic footprint.

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) 565-8570

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

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