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.

Atlantic Coast Bank was established in 1939 as a credit union to serve the employees of the Atlantic Coast Line Railroad. On November 1, 2000, after receiving the necessary regulatory and membership approvals, Atlantic Coast Federal Credit Union converted to a federal mutual savings bank (and subsequently a federally-chartered savings bank) known as Atlantic Coast Bank. The conversion allowed Atlantic Coast Bank to diversify its customer base by marketing products and services to individuals and businesses in its market areas and make loans to customers who did not have a deposit relationship with Atlantic Coast Bank. On December 27, 2016, Atlantic Coast Bank consummated the conversion of its charter from that of a federally-chartered savings bank to that of a Florida state-chartered commercial bank.

Atlantic Coast Bank has 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, Atlantic Coast Bank invests funds in multi-family residential loans, commercial business loans, and commercial and residential construction loans. Atlantic Coast Bank also invests funds in investment securities, primarily those issued by U.S. government-sponsored agencies or entities, including Fannie Mae, Freddie Mac and Ginnie Mae

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