ABCB

Ameris Bancorp is a financial holding company, which through its subsidiary, Ameris Bank (the Bank) provides a range of banking services to its retail and commercial customers in 164 locations in Georgia, Alabama, Florida, North Carolina and South Carolina. It has five segments. The Banking Division provides full service financial services, including commercial loans, consumer loans and deposit accounts. The Retail Mortgage Division is engaged in origination, sales and servicing of one-to-four family residential mortgage loans. The Warehouse Lending Division is engaged in the origination and servicing of warehouse lines to other businesses, which are secured by underlying one-to-four family residential mortgage loans and residential mortgage servicing rights. The SBA Division is engaged in the origination, sales and servicing of small business administration loans. The Premium Finance Division is engaged in the origination and servicing of commercial insurance premium finance loans.