Ameris Bancorp Contracts & Agreements

Second Amendment to Employment Agreement by and among Ameris Bancorp, Ameris Bank and H. Palmer Proctor, Jr. dated as of November 6, 2024 (Filed With SEC on November 8, 2024)

Description of the Registrant's Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 (Filed With SEC on February 28, 2024)

Summary of Director Compensation (Filed With SEC on August 8, 2023)

Split Dollar Termination Agreement by and among Ameris Bancorp, Ameris Bank and James Bennett Miller, Jr (Filed With SEC on May 8, 2023)

Description of the Registrant's Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 (Filed With SEC on February 28, 2023)

Ameris Bancorp 2021 Omnibus Equity Incentive Plan, as amended and restated through July 26, 2022 (Filed With SEC on August 5, 2022)

Summary of Director Compensation (Filed With SEC on August 5, 2022)

Description of the Registrant's Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 (Filed With SEC on February 28, 2022)

Form of Restricted Share Award Agreement under the 2021 Omnibus Equity Incentive Plan (Filed With SEC on August 9, 2021)

Form of Restricted Share Unit Award Agreement under the 2021 Omnibus Equity Incentive Plan (Filed With SEC on August 9, 2021)

Form of Performance Unit Award Agreement under the 2021 Omnibus Equity Incentive Plan (Filed With SEC on August 9, 2021)

Description of the Registrant's Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 (Filed With SEC on February 26, 2021)

Supplemental Executive Retirement Agreement with James A. LaHaise, dated as of November 10, 2015 (Filed With SEC on February 26, 2021)

Underwriting Agreement, dated September 23, 2020, by and between Ameris Bancorp, Keefe, Bruyette & Woods, Inc. and Piper Sandler & Co (Filed With SEC on September 28, 2020)

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)

Form of Global Note representing Fixed/Floating Rate Subordinated Notes due 2030 (Filed With SEC on March 9, 2020)

Description of the Registrant's Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934 (Filed With SEC on March 9, 2020)

Supplemental Executive Retirement Agreement with Lawton E. Bassett, III, dated as of November 7, 2012 (Filed With SEC on March 9, 2020)

Form of Performance Stock Unit Grant Agreement (Filed With SEC on March 9, 2020)

Underwriting Agreement, dated December 4, 2019, by and between Ameris Bancorp and Sandler ONeill & Partners, L.P., as representative of the underwriters named therein (Filed With SEC on December 6, 2019)

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)

Employment Agreement by and among Ameris Bancorp, Ameris Bank and James B. Miller, Jr. dated as of December 17, 2018 (Filed With SEC on August 9, 2019)

Employment Agreement by and among Ameris Bancorp, Ameris Bank and H. Palmer Proctor, Jr. dated as of December 17, 2018 (Filed With SEC on August 9, 2019)

Amendment to Employment Agreement by and among Ameris Bancorp, Ameris Bank and H. Palmer Proctor, Jr. dated as of June 30, 2019 (Filed With SEC on August 9, 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)

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 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 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)

Form of Severance Protection and Restrictive Covenants Agreement for executive officers (Filed With SEC on May 10, 2019)

Agreement and Plan of Merger, dated as of December 17, 2018, by and between Ameris Bancorp and Fidelity Southern Corporation (Filed With SEC on December 17, 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)

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)

Retirement Agreement dated June 6, 2018 by and among Ameris Bancorp, Ameris Bank and Edwin W. Hortman, Jr (Filed With SEC on June 6, 2018)

Fourth Amendment to Loan Agreement dated April 25, 2018 by and between Ameris Bancorp and NexBank SSB (Filed With SEC on April 25, 2018)

Fourth Amended and Restated Revolving Promissory Note dated April 25, 2018 issued by Ameris Bancorp to NexBank SSB (Filed With SEC on April 25, 2018)

Supplemental Executive Retirement Agreement with Nicole S. Stokes, dated as of November 7, 2012 (Filed With SEC on March 1, 2018)

Registration Rights Agreement dated as of January 31, 2018 by and among Ameris Bancorp, William J. Villari and The Villari Family Gift Trust (Filed With SEC on February 6, 2018)

Agreement and Plan of Merger dated as of January 25, 2018 by and between Ameris Bancorp and Hamilton State Bancshares, Inc (Filed With SEC on January 26, 2018)

Stock Purchase Agreement dated as of January 25, 2018 by and among Ameris Bancorp, Ameris Bank, William J. Villari and The Villari Family Gift Trust (Filed With SEC on January 26, 2018)

Agreement and Plan of Merger dated as of November 16, 2017 by and between Ameris Bancorp and Atlantic Coast Financial Corporation (Filed With SEC on November 17, 2017)

Third Amendment to Loan Agreement dated October 20, 2017 by and between Ameris Bancorp and NexBank SSB (Filed With SEC on October 23, 2017)

Third Amended and Restated Revolving Promissory Note dated as of September 26, 2017 issued by Ameris Bancorp to NexBank SSB (Filed With SEC on October 23, 2017)

Severance Protection and Restrictive Covenants Agreement by and among Ameris Bancorp, Ameris Bank and William D. McKendry dated as of October 3, 2017 (Filed With SEC on October 6, 2017)

Ameris Bancorp (a Georgia corporation) $75,000,000 5.75% Fixed-to-Floating Rate SubordinatedNotes due 2027 UNDERWRITING AGREEMENT (Filed With SEC on March 13, 2017)

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

AmerisBancorp FIRST SUPPLEMENTAL INDENTURE dated as of March 13, 2017 to the Subordinated Debt Indenture dated as of March 13, 2017 5.75% Fixed-to-Floating Rate SubordinatedNotes... (Filed With SEC on March 13, 2017)

Ameris Bancorp (a Georgia corporation) 1,750,000 Shares of Common Stock (Par Value $1.00 per Share) UNDERWRITING AGREEMENT (Filed With SEC on March 2, 2017)

REGISTRATION RIGHTS AGREEMENT (Filed With SEC on January 23, 2017)

ShAreholdersAgreement among US PREMIUMFINANCE HOLDING COMPANY and the Shareholdersnamed herein dated as of January 18, 2017 (Filed With SEC on January 23, 2017)

LIMITED WAIVER AND SECOND AMENDMENTTO LOAN AGREEMENT (Filed With SEC on December 29, 2016)

SECOND AMENDED AND RESTATED REVOLVINGPROMISSORY NOTE (Filed With SEC on December 29, 2016)

MANAGEMENT AND LICENSE AGREEMENT December 15, 2016 (Filed With SEC on December 19, 2016)

STOCKPURCHASE AGREEMENT (Filed With SEC on December 19, 2016)

AMERIS BANK SUPPLEMENTAL EXECUTIVE RETIREMENTAGREEMENT (Filed With SEC on November 9, 2016)

FIRST AMENDMENT TO SUPPLEMENTAL EXECUTIVE RETIREMENTAGREEMENT (Filed With SEC on November 9, 2016)

EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on November 9, 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 (Jacksonville 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)

SECOND SUPPLEMENTAL INDENTURE (Atlantic BancGroup Statutory Trust I) (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)

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

EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on February 29, 2016)

AGREEMENT AND PLAN OF MERGER by and between AMERIS BANCORP and JACKSONVILLE BANCORP, INC. Datedas of September 30, 2015 (Filed With SEC on October 1, 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 (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)

SECURITIES PURCHASE AGREEMENT (Filed With SEC on January 30, 2015)

REGISTRATION RIGHTS AGREEMENT (Filed With SEC on January 30, 2015)

STOCKPURCHASE AGREEMENT by andamong AMERISBANCORP, MERCHANTS& SOUTHERN BANKS OF FLORIDA, INCORPORATED, and DENNISR. O’NEIL Datedas of January 28, 2015 (Filed With SEC on January 29, 2015)

PURCHASE AND ASSUMPTION AGREEMENT dated as of January 28, 2015 between BANK OF AMERICA, NATIONAL ASSOCIATION and AMERIS BANK (Filed With SEC on January 29, 2015)

FIRST AMENDMENT TO LOAN AGREEMENT (Filed With SEC on September 29, 2014)

AMENDED AND RESTATED REVOLVING PROMISSORY NOTE (Filed With SEC on September 29, 2014)

EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on August 8, 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 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 (Coastal Bankshares Statutory Trust II) (Filed With SEC on July 1, 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)

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

JUNIOR SUBORDINATED NOTE DUE 2034 (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 (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 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)

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)

AGREEMENT AND PLAN OF MERGER by and between AMERISBANCORP and COASTAL BANKSHARES, INC. Dated as of March 10, 2014 TABLE OF CONTENTS (Filed With SEC on March 11, 2014)

LOAN AGREEMENT for aloan in the amount of $25,000,000 MADE BY AND BETWEEN Ameris Bancorp, 310First Street, Moultrie, Georgia 31768 as Borrower AND NEXBANK SSB, 2515 McKinney... (Filed With SEC on August 29, 2013)

REVOLVING PROMISSORY NOTE (Filed With SEC on August 29, 2013)

PLEDGE AND SECURITY AGREEMENT dated as of August 28, 2013 between AMERISBANCORP, as Grantor and NEXBANK SSB, as Lender PLEDGE AND SECURITY AGREEMENT (Filed With SEC on August 29, 2013)

AGREEMENT AND PLAN OF MERGER by and between AMERIS BANCORP and THE PROSPERITY BANKING COMPANY Dated as of May 1, 2013 TABLE OF CONTENTS (Filed With SEC on May 2, 2013)

AMERIS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT (Filed With SEC on November 9, 2012)

PURCHASE AND ASSUMPTIONAGREEMENT ALL DEPOSITS AMONG FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER OF MONTGOMERY BANK & TRUST AILEY, GEORGIA FEDERAL DEPOSIT INSURANCE CORPORATION... (Filed With SEC on July 12, 2012)

EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on June 28, 2012)

AMERIS BANCORP (a Georgia corporation) 52,000 Shares of Fixed Rate Cumulative Perpetual Preferred Stock, Series A UNDERWRITING AGREEMENT (Filed With SEC on June 15, 2012)

PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS AMONG FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER OF DARBY BANK & TRUST CO., VIDALIA, GEORGIA FEDERAL DEPOSIT... (Filed With SEC on November 18, 2010)

PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS AMONG FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER OF TIFTON BANKING COMPANY, TIFTON, GEORGIA FEDERAL DEPOSIT... (Filed With SEC on November 18, 2010)

PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS AMONG FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER OF FIRST BANK OF JACKSONVILLE, JACKSONVILLE, FL FEDERAL DEPOSIT... (Filed With SEC on October 27, 2010)

PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS AMONG FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER OF SATILLA COMMUNITY BANK, ST. MARYS, GEORGIA FEDERAL DEPOSIT... (Filed With SEC on May 20, 2010)

AMERIS BANCORP (a Georgia corporation) [] Shares of Common Stock (Par Value $1.00 Per Share) FORM OF UNDERWRITING AGREEMENT (Filed With SEC on April 14, 2010)

PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS AMONG FEDERAL DEPOSIT INSURANCE CORPORATION, (Filed With SEC on March 16, 2010)

PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS AMONG FEDERAL DEPOSIT INSURANCE CORPORATION, (Filed With SEC on March 15, 2010)

AMENDMENT NO. 2TO EXECUTIVE EMPLOYMENTAGREEMENT (Filed With SEC on May 11, 2009)

EXECUTIVE EMPLOYMENTAGREEMENT (Filed With SEC on February 23, 2009)

AMENDMENT NO. 2TO EXECUTIVE EMPLOYMENTAGREEMENT (Filed With SEC on December 30, 2008)

AMENDMENT NO. 1TO EXECUTIVE EMPLOYMENTAGREEMENT (Filed With SEC on December 30, 2008)

UNITEDSTATES DEPARTMENT OF THE TREASURY 1500PENNSYLVANIA AVENUE, NW WASHINGTON,D.C. 20220 (Filed With SEC on November 21, 2008)

WAIVERFORM (Filed With SEC on November 21, 2008)

EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on June 6, 2007)

AMENDMENT NO. 1 TO AGREEMENT AND PLAN OF MERGER (Filed With SEC on December 19, 2006)

AMERIS BANCORP 36,000 Capital Securities (Filed With SEC on October 27, 2006)

AMERIS STATUTORY TRUST I AMERIS BANCORP (Filed With SEC on October 27, 2006)

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)

AMENDED AND RESTATED DECLARATION OF TRUST by and among (Filed With SEC on October 27, 2006)

GUARANTEE AGREEMENT by and between AMERIS BANCORP and (Filed With SEC on October 27, 2006)

FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURE (Filed With SEC on October 27, 2006)

EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on September 8, 2006)

AGREEMENT AND PLAN OF MERGER BY AND AMONG ISLANDS BANCORP ISLANDS COMMUNITY BANK, N.A. AMERIS BANCORP AND (Filed With SEC on August 17, 2006)

REVOLVING CREDIT AGREEMENT (Filed With SEC on December 20, 2005)

AGREEMENT REGARDING CAPITAL LOAN (Filed With SEC on September 13, 2005)

ABC BANCORP THE FIRST BANK OF BRUNSWICK FIRST NATIONALBANC, INC. FIRST NATIONAL BANK, ST. MARYS, GEORGIA AND (Filed With SEC on August 9, 2005)

W I T N E S S E T H: (Filed With SEC on May 16, 2005)

[Signatures Next Page] (Filed With SEC on May 11, 2005)

ABC Bancorp (Filed With SEC on May 9, 2005)

EXECUTIVE CONSULTING AGREEMENT (Filed With SEC on March 16, 2005)

AMENDMENT NO. 1 TO EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on March 15, 2005)

AMENDED AND RESTATED (Filed With SEC on November 9, 2004)

COMMISSIONAGREEMENT (Filed With SEC on November 9, 2004)

W I T N E S S E T H: (Filed With SEC on August 9, 2004)

AGREEMENT AND PLAN OF MERGER BY AND BETWEEN (Filed With SEC on May 20, 2004)

AMENDED AND RESTATED EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on March 15, 2004)

AMENDED ANDRESTATED EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on March 15, 2004)

W I T N E S S E T H: (Filed With SEC on March 15, 2004)

EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on March 15, 2004)

ABC BANCORP (Filed With SEC on March 15, 2004)

EXECUTIVE EMPLOYMENT AGREEMENT (Filed With SEC on November 12, 2003)

SEVERANCE PROTECTIONAND NON-COMPETITION AGREEMENT (Filed With SEC on March 31, 2003)

ASSET PURCHASE AGREEMENT between SOUTHLAND BANK and MBNA AMERICA BANK, N.A. DECEMBER 19, 2002 ASSET PURCHASE AGREEMENT (Filed With SEC on March 31, 2003)

INTERIM SERVICING AGREEMENT Between SOUTHLAND BANK and MBNA AMERICA BANK, N.A. DECEMBER 19, 2002 INTERIM SERVICING AGREEMENT (Filed With SEC on March 31, 2003)

ABC BANCORP JOINT MARKETING AGREEMENT (Filed With SEC on March 31, 2003)

COMMISSION AGREEMENT (Filed With SEC on November 14, 2002)

TERMINATION AGREEMENT (Filed With SEC on November 14, 2002)

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Ameris Bancorp Contracts & Agreements