Ameris Bancorp Indenture Agreements

Third Supplemental Indenture, dated as of September 28, 2020, by and between Ameris Bancorp and Wilmington Trust, National Association, as trustee (Filed With SEC on September 28, 2020)

Second Supplemental Indenture, dated as of December 6, 2019, by and between Ameris Bancorp and Wilmington Trust, National Association, as trustee (Filed With SEC on December 6, 2019)

First Supplemental Indenture, among Ameris Bancorp, Fidelity Southern Corporation and Wilmington Trust Company, dated as of July 1, 2019 (Filed With SEC on July 1, 2019)

Indenture between Ameris Bancorp (as successor to Fidelity Southern Corporation) and Wilmington Trust Company, dated as of August 20, 2007 (Filed With SEC on July 1, 2019)

First Supplemental Indenture, among Ameris Bancorp, Fidelity Southern Corporation and Wilmington Trust Company, dated as of July 1, 2019 (Filed With SEC on July 1, 2019)

Indenture between Ameris Bancorp (as successor to Fidelity Southern Corporation) and Wilmington Trust Company, dated as of March 17, 2005 (Filed With SEC on July 1, 2019)

First Supplemental Indenture, among Ameris Bancorp, Fidelity Southern Corporation and U.S. Bank National Association, dated as of July 1, 2019 (Filed With SEC on July 1, 2019)

Indenture between Ameris Bancorp (as successor to Fidelity Southern Corporation) and U.S. Bank National Association, dated as of June 26, 2003 (Filed With SEC on July 1, 2019)

Second Supplemental Indenture dated as of June 29, 2018 by and among Ameris Bancorp, Hamilton State Bancshares, Inc. and Wilmington Trust Company (Filed With SEC on July 2, 2018)

Indenture between Ameris Bancorp (as successor to Hamilton State Bancshares, Inc.) and Wilmington Trust Company dated as of November 10, 2005 (Filed With SEC on July 2, 2018)

AMERIS BANCORP SUBORDINATED DEBT INDENTURE DATED AS OF MARCH 13, 2017 WILMINGTON TRUST, NATIONAL ASSOCIATION,AS TRUSTEE (Filed With SEC on March 13, 2017)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on March 14, 2016)

JACKSONVILLE BANCORP, INC. as Company INDENTURE Dated as of June20, 2008 WELLS FARGO BANK, NATIONAL ASSOCIATION As Trustee JUNIOR SUBORDINATED DEBT SECURITIES Due September 15,... (Filed With SEC on March 14, 2016)

FIRST SUPPLEMENTAL INDENTURE (Jacksonville Statutory Trust II) (Filed With SEC on March 14, 2016)

JACKSONVILLE BANCORP, INC., as Issuer INDENTURE Dated as of December 14, 2006 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEFERRABLEINTEREST DEBENTURES... (Filed With SEC on March 14, 2016)

SECOND SUPPLEMENTAL INDENTURE (Atlantic BancGroup Statutory Trust I) (Filed With SEC on March 14, 2016)

ATLANTIC BANCGROUP, INC., as Issuer INDENTURE Dated as of September 15, 2005 WILMINGTON TRUST COMPANY, as Trustee FIXED/FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST... (Filed With SEC on March 14, 2016)

FIRST SUPPLEMENTAL INDENTURE (Jacksonville Statutory Trust I) (Filed With SEC on March 14, 2016)

JACKSONVILLE BANCORP, INC., as Issuer INDENTURE Dated as of June 17, 2004 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEFERRABLEINTEREST DEBENTURES DUE... (Filed With SEC on March 14, 2016)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on May 27, 2015)

MERCHANTS& SOUTHERN BANK OF FLORIDA, INCORPORATED, as Issuer INDENTURE Dated as of March 30, 2006 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED... (Filed With SEC on May 27, 2015)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on May 27, 2015)

MERCHANTS & SOUTHERN BANKS OF FLORIDA, INCORPORATED, as Issuer INDENTURE Dated as of March 17, 2005 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED... (Filed With SEC on May 27, 2015)

FIRST SUPPLEMENTAL INDENTURE (Coastal Bankshares Statutory Trust II) (Filed With SEC on July 1, 2014)

COASTAL BANKSHARES, INC., as Company INDENTURE Dated as of December 14, 2005 U.S. BANK NATIONAL ASSOCIATION,As Trustee JUNIOR SUBORDINATED DEBT SECURITIES Due December 15, 2035 (Filed With SEC on July 1, 2014)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on July 1, 2014)

Coastal Bankshares, Inc. as Issuer INDENTURE Dated as of August 27, 2003 WELLS FARGO BANK, NATIONALASSOCIATION As Trustee JUNIOR SUBORDINATED DEBT SECURITIES DUE October 7, 2033 (Filed With SEC on July 1, 2014)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on March 14, 2014)

THE PROSPERITY BANKING COMPANY, as Issuer INDENTURE Dated as of September 20, 2007 WILMINGTON TRUST COMPANY, as Trustee (Filed With SEC on March 14, 2014)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on March 14, 2014)

THE PROSPERITY BANKING COMPANY, as Issuer INDENTURE Dated as of June 30, 2006 WILMINGTON TRUST COMPANY, as Trustee FLOATINGRATE JUNIOR SUBORDINATED DEBENTURES DUE 2016 TABLE OF... (Filed With SEC on March 14, 2014)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on March 14, 2014)

PROSPERITY BANK, as Issuer INDENTURE Dated as ofMay 11, 2006 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEBENTURES DUE 2016 TABLE OF CONTENTS (Filed With SEC on March 14, 2014)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on March 14, 2014)

THE PROSPERITY BANKING COMPANY, as Issuer INDENTURE Dated as of January 31, 2006 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST... (Filed With SEC on March 14, 2014)

FIRST SUPPLEMENTAL INDENTURE (Prosperity Bank Statutory Trust I) (Filed With SEC on March 14, 2014)

JUNIOR SUBORDINATED INDENTURE between THE PROSPERITY BANKINGCOMPANY and DEUTSCHE BANKTRUST COMPANY AMERICAS, as Trustee Dated as ofJune 24, 2004 TABLE OF CONTENTS (Filed With SEC on March 14, 2014)

FIRST SUPPLEMENTAL INDENTURE (Prosperity Bank Statutory Trust II) (Filed With SEC on March 14, 2014)

THE PROSPERITY BANKING COMPANY, as Issuer INDENTURE Dated as ofMarch 26, 2003 U. S. BANK NATIONAL ASSOCIATION, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST... (Filed With SEC on March 14, 2014)

AMERIS BANCORP, as Issuer INDENTURE Dated as of September 20, 2006 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES DUE 2036 (Filed With SEC on October 27, 2006)

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Ameris Bancorp Indenture Agreements