YOUR TRANSITION GUIDE Adding a New Chapter to a Solid Legacy

YOUR TRANSITION GUIDE Adding a new chapter to a solid legacy.

TRANSITION GUIDE | 1 2 | AMERIS BANK YOU’VE COME TO THE RIGHT PLACE. We’re glad you are here. We’re fercely committed to a seamless transition. Fidelity Bank will transition to Ameris Bank the weekend of November 1-3, 2019. This means new signage, a new website for online banking, a new mobile app, and possibly a few adjustments to your existing accounts and loans. Our bold approach to banking and our commitment to you remains unchanged.

This guide explains everything. Please call or email us if anything is unclear.

We are working hard to make your experience hassle free. Over the November 1-3 transition weekend, we need extra time to make sure everything occurs smoothly. Our branches will close early on Friday, November 1 at 3:00 PM (ET) and will reopen during normal business hours on Monday, November 4. Even though our branches are closing early, our Customer Service Center is only a phone call away: Call 866.616.6020 Monday – Friday: 7:00 AM – 11:00 PM (ET) Saturday: 7:00 AM – 8:00 PM (ET) Sunday: 8:00 AM – 8:00 PM (ET)

TRANSITION GUIDE | 3 DON’T MISS THIS! 1. Temporary Outage: Take note of the following days and times your Fidelity Bank services will be available in view only mode or unavailable. Access to these services with Ameris Bank will be available Monday, November 4. More details about these temporary outages are found within this guide.

- Fidelity Bank Online Banking, Mobile Banking and Text Banking will be available in view only mode beginning Friday, November 1 at 7:00 PM (ET).

- Fidelity Bank Automated Telephone Banking will be available in inquiry only mode beginning Friday, November 1 at 4:00 PM (ET).

- Fidelity Bank Online Bill Pay for personal account holders will be unavailable beginning Monday, October 28 at 8:00 AM (ET) and unavailable for business account holders beginning Friday, November 1 at 4:00 PM (ET).

- Fidelity Bank Mobile Banking Bill Pay will be unavailable beginning Monday, October 21 at 8:00 AM (ET).

- Fidelity Bank Email and Text Alerts will stop on Saturday, November 2.

2. Debit Cards & Checks: Continue using your Fidelity Bank debit card without interruption. Unless you receive a separate letter from us, continue using your Fidelity Bank checks without interruption, as well.

3. Online & Mobile Access: We want to keep your accounts secure, so we will send you a separate notifcation outlining your login information.

4. Accounts & Loans: Your loan numbers and checking, savings, and CD account numbers will remain the same unless you receive a separate letter from us. Turn to page 6 for more details.

5. Overdraft Practices: Turn to page 42 for important information regarding changes in overdraft practices.

4 | AMERIS BANK Find What You’re Looking For

INFO AT A GLANCE...... 6

PERSONAL ...... 9 Checking ...... 10 Savings ...... 12 CDs & IRAs ...... 14 Wealth Management ...... 14 Loans...... 15

BUSINESS...... 17 Checking ...... 18 Savings ...... 20 CDs ...... 21 Cash Management ...... 22 Loans...... 24

ACCOUNT ACCESS...... 27 Online Banking ...... 28 Online Bill Pay – Personal...... 30 Online Bill Pay – Business ...... 32 Mobile Banking...... 34 Text Banking ...... 35 Email & Text Alerts ...... 36 Telephone Banking...... 36 Debit Cards ...... 37 Statements...... 37 Wires ...... 38 Safe Deposit Box ...... 39

NOTICES & DISCLOSURES...... 41 FDIC Coverage ...... 42 Overdraft Practices Disclosure ...... 42 Truth in Savings Disclosure ...... 44 Personal Checking Account Holders – Subaccount Organization ...... 47 Notice of Change to the Terms of CD and IRA Accounts ...... 47 Your Ability to Withdraw Funds at Ameris Bank ...... 47 Dormancy Parameters...... 48 Electronic Funds Transfer Disclosure ...... 48 Miscellaneous Services Pricing Guide...... 52 Protecting Your Information ...... 53 Privacy Notice ...... 53

LET’S CONNECT ...... 55

TRANSITION GUIDE | 5 Info at a Glance We know how important it is to easily access your money. We are right here with you, and our goal is to make your transition easy and hassle free.

Account & Loan Numbers Numbers will stay the same unless you receive a separate letter from us.

Beginning Monday, November 4, use the Ameris Bank routing number 061201754. Routing Number We will continue to honor checks with the Fidelity Bank routing number.

Continue using your current Fidelity Bank checks and deposit slips until your supply runs out unless you receive a separate letter from us. Checks Beginning Monday, November 4, if you need more checks, visit amerisbank.com to reorder from Ameris Bank’s preferred vendor, Harland Clarke. If you order checks somewhere else, don’t forget to use the Ameris Bank routing number, 061201754.

Continue using your current Fidelity Bank debit card without interruption. Use it Debit Cards free of charge at any Ameris Bank ATM.

Fidelity Bank credit cards will not be affected. Continue to use and make Credit Cards payments as normal.

Use any Ameris Bank ATM free of charge to check balances, make withdrawals, and transfer money. If you use your Ameris Bank or Fidelity Bank debit card at any ATM Access other ATM, based on your account type, you may incur a $2 service charge from Ameris Bank and an additional surcharge from the bank that owns the ATM.

Direct deposits will continue as normal without interruption. All recurring and scheduled transfers will continue as normal without interruption. We want you to be fully prepared, so we recommend you make note of all your Direct Deposits and recurring and scheduled transfers before November 1, if you need to reference them in the future. Automated Transfers Automatic transfers established for overdraft protection or to maintain a target balance in another Ameris Bank deposit account will continue. These transfers will occur in $50 increments at a price of $10 per transfer. The $10 will be charged to the sending account.

Beginning Monday, November 4, use Ameris Bank’s routing number, 061201754, when initiating wire transfers to your accounts at Ameris Bank. The hours for sending wires at an Ameris Bank branch are Monday – Friday, 8:00 AM – Wire Transfers 4:00 PM (ET). To receive same-day credit, wires must be received by 5:00 PM (ET), Monday – Friday. Ameris Bank also offers Business Online Wire transfers. Turn to page 38 for more details.

You will continue to have access to Web Connect; however, because we are transitioning to Ameris Bank, your access to these services through Fidelity Bank Online Banking will no longer be available beginning Friday, November 1 at 7:00 Web Connect for Quicken & PM (ET). Web Connect for Quicken and QuickBooks is available through Business Online Banking, and Web Connect for Quicken is available through Personal QuickBooks Online Banking. Visit amerisbank.com/WelcomeFidelityBank for easy transition instructions. Additionally, if you use Express Web Connect within your Quicken software, you will need to disconnect this service and reconnect using your new Ameris Bank Online Banking credentials.

New Look - Same Heart. You will start to see the Ameris Bank logo on statements, letters, branches, ATMs, and when banking electronically.

6 | AMERIS BANK Beginning Friday, November 1 at 7:00 PM (ET), Fidelity Bank Online Banking will be available in view only mode. You won’t be able to transfer money during this time. Beginning Monday, November 4, you will access Ameris Bank Online Banking by visiting amerisbank.com. For your security, you will receive a separate letter with your login credentials. 60 days of checking and savings account transaction history will be available Online Banking within Ameris Bank Online Banking. One year of statement history will also be available for customers who currently receive e-statements with Fidelity Bank. Scheduled recurring transfers that were set up in Fidelity Bank Online Banking will continue as normal. PopMoney, Business Email Payments, and My Spending will not be available within Ameris Bank Online Banking. If you haven’t used Fidelity Bank Online Banking within the last 90 days, you will need to enroll in Ameris Bank Online Banking on or after Monday, November 4. Turn to page 28 for more details. Beginning Friday, November 1 at 7:00 PM (ET), the Fidelity Bank Mobile Banking app will be available in view only mode. You won’t be able to transfer money or make mobile deposits during this time. Starting Monday, October 21 at 8:00 AM (ET), Fidelity Bank Mobile Banking Bill Pay will no longer be available. Beginning Monday, November 4, download and begin using the Ameris Bank Mobile Banking Personal or Business Mobile Banking App. Important: Your Ameris Bank Online Banking login credentials are required to access Ameris Bank Mobile Banking. So, if you don’t have online banking, enroll today in Fidelity Bank Online Banking or wait until Monday, November 4 and enroll in Ameris Bank Online Banking. Turn to page 34 for more details. Beginning Friday, November 1 at 7:00 PM (ET), Fidelity Bank Text Banking will be available in view only mode. You won’t be able to transfer money during this time. Text Banking On or after Monday, November 4, activate Ameris Bank Text Banking from within Ameris Bank Personal Online Banking. Once activated, text a command to 79680 at any time, and we will instantly reply with your requested information. Turn to page 35 for more details. Beginning Monday, October 28 at 8:00 AM (ET), Fidelity Bank Online Bill Pay for personal account holders will no longer be available. Beginning Friday, November 1 at 4:00 PM (ET), Fidelity Bank Online Bill Pay for Online Bill Pay business account holders will no longer be available. Complete access to Ameris Bank Online Bill Pay will be available on Monday, November 4 through Ameris Bank Online Banking. Turn to page 30 for details. Beginning Saturday, November 2, Fidelity Bank email and text alerts will no longer be available. Email & Text Alerts Reestablish your preferred email and text alerts on or after Monday, November 4 within Ameris Bank Online Banking. Turn to page 36 for more details. Beginning Friday, November 1 at 4:00 PM (ET), Fidelity Bank Automated Telephone Banking will be available in inquiry only mode. You won’t be able to transfer money during this time. Beginning Monday, November 4, call 866.616.6020 and select option 1 for 24/7 Automated Telephone Banking Ameris Bank Automated Telephone Banking. Your Personal Identifcation Number (PIN) will be the last four digits of the primary account holder’s Social Security Number or the last four digits of the Federal EIN for business accounts. After entering this PIN for the frst time, you will automatically be prompted to change your PIN. This PIN is different from your debit card PIN. On Friday, November 1, a fnal printed Fidelity Bank statement will be produced for mailing on Monday, November 4. This statement will list all transactions posted to the account after your prior statement through Friday, November 1. After this Statements statement, all other statements will be from Ameris Bank and will be mailed or sent electronically based on your preference. Turn to page 37 for more statement details.

TRANSITION GUIDE | 7 8 | AMERIS BANK PERSONAL Checking Savings CDs & IRAs Wealth Management Loans

TRANSITION GUIDE | 9 Personal Checking Find your current account name to then learn about your new account starting November 4. Even if your account name stays the same, some features and benefts may have changed.

CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4

• Online Banking with online bill pay, e-statements, email and text alerts • Mobile Banking with mobile bill pay and mobile check deposit Free Checking • Text Banking Grand Lion Checking • Telephone Banking Group Banking Checking • Visa® Debit Card Scholarship Checking FREE • Unlimited check writing e-Lion Checking CHECKING • Statements, including check images, are generated on the ffth or Regular Checking sixth business day of every month (depending on your current cycle). Economy Checking - There is no minimum balance required for this account, Flat Rate Checking and you won’t be charged a monthly account price. Direct Deposit Checking - A $2.00 service charge will be assessed for each transaction made using a non-Ameris Bank ATM. You may also incur an additional charge at the time of the transaction from the owner of the ATM.

• Earn interest on any balance, but earn higher interest rates on balances of $2,500 or more • Online Banking with online bill pay, e-statements, email and text alerts • Mobile Banking with mobile bill pay and mobile check deposit Lion Share Interest • Text Banking Checking • Telephone Banking Interest Checking • Visa® Debit Card Direct Free Interest Checking LION SHARE • Unlimited check writing 50+ Free Interest Checking INTEREST • If you close this account prior to the crediting of interest, interest will not be paid. Low Minimum Interest CHECKING Checking • Statements, including check images, are generated on the ffth or sixth business day of every month (depending on your current Sweet Checking cycle). eChecking with Interest - There is no minimum balance required for this account, and you won’t be charged a monthly account price. - A $2.00 service charge will be assessed for each transaction made using a non-Ameris Bank ATM. You may also incur an additional charge at the time of the transaction from the owner of the ATM.

10 | AMERIS BANK CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4

• Earn interest on any account balance • Access to any ATM nationwide, with all ATM fees reimbursed • Increased daily limit to $5,000 for debit card signature point-of- sale transactions, at your request • Option to increase an Ameris Bank CD rate to a posted rate from our current rate sheet once during the term of the CD, at your request • No cost for all incoming domestic wires • No cost for Ameris Bank wallet style checks; other check styles are available for purchase • No cost for safe deposit box, when available • No charge for purchase of offcial checks • No minimum balance requirements on a Personal Savings account Pride Package Checking when a quarterly $25 scheduled transfer is established from your Advantage Checking account Private Banking Checking ADVANTAGE • Complete access to online, mobile, text and telephone banking Super Grand Lion Checking CHECKING • Visa® debit card and unlimited check writing Premier Checking • If you close this account prior to the crediting of interest, interest will not be paid. • Statements are generated on the ffth or sixth business day of every month (depending on your current cycle). - $20 monthly account price will not be assessed when the combined total of all related Ameris Bank current personal loan balances and average daily balances (during the statement cycle) within personal deposit accounts is $25,000 or greater. Attention Private Checking Customers: Regardless of your loan or average daily balances, the $20 monthly account price will be waived for the frst six months following the transition, November 2019 – April 2020. Attention Premier Checking Customers: Regardless of your loan or average daily balances, the $20 monthly account price will be waived permanently.

Advantage Checking customers age 62 and over will receive a 25% discount on the monthly account price, if assessed.

Enjoy access to over 200 Ameris Bank ATMs across the Southeast.

TRANSITION GUIDE | 11 Personal Savings Find your current account name to then learn about your new account starting November 4. Even if your account name stays the same, some features and benefts may have changed.

CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4

• Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • $200 minimum daily balance to earn the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. If you close this account prior to the crediting of interest, interest will not be paid. • Statements will be generated at the end of each calendar quarter. Personal Savings - $11 quarterly account price will be waived each statement cycle Super Savings when an average daily balance of $300 or greater is maintained. Super Savings II PERSONAL Enroll in e-statements and enjoy $2 off the quarterly account price, which will reduce the quarterly account price to $9, Little Lion Savings Account SAVINGS if assessed. Holders 19 and Older - A $2.00 service charge will be assessed for each transaction made using a non-Ameris Bank ATM. You may also incur an additional charge at the time of the transaction from the owner of the ATM. - A savings withdrawal fee of $10 will be charged for each debit transaction in excess of six per quarter. Debit transactions include withdrawals made in person at an Ameris Bank offce or at an ATM, automatic transfer, or payment from the account. This is an activity fee unrelated to the federal transaction limitations described at the bottom of page 13.

• Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • $2,500 minimum daily balance to earn the disclosed annual percentage yield; turn to page 45 to learn about the interest rate tiers • Statements will be generated on the ffth or sixth business day of each month (depending on your current cycle). - $12 monthly account price will be waived each statement cycle when a $1,000 daily balance or $3,000 average daily PERSONAL balance is maintained during the statement cycle. Enroll in Personal Money Market e-statements and enjoy $2 off the monthly account price, which MONEY MARKET will reduce the monthly account price to $10, if assessed. - If you close this account prior to the crediting of interest, interest will not be paid. - A $2.00 service charge will be assessed for each transaction made using a non-Ameris Bank ATM. You may also incur an additional charge at the time of the transaction from the owner of the ATM. - An excess debit fee of $10 will be charged for each withdrawal transaction that exceeds the federal limitation* of six per statement cycle, described at the bottom of page 13.

12 | AMERIS BANK CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4 • Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • Statements will be generated on the ffth or sixth business day of each month (depending on your current cycle). • If you opened your account prior to July 1, 2019: you will earn interest on any balance for one year from your account open date, then it will transition to a tiered interest plan. Turn to page 46 for more details. • If you close this account prior to the crediting of interest, interest will not be paid. LION SPECIAL • If you opened your account on or after July 1, 2019: your money Special Personal market is a tiered interest plan. Turn to page 46 for more details. Money Market PERSONAL MONEY MARKET - $6 monthly account price will be waived each statement cycle when a $1,000 minimum daily balance is maintained. Enroll in e-statements and enjoy $2 off the monthly account price, which will reduce the monthly account price to $4, if assessed. - A $2.00 service charge will be assessed for each transaction made using a non-Ameris Bank ATM. You may also incur an additional charge at the time of the transaction from the owner of the ATM. - Withdrawal Fees: An excess debit fee of $10 will be charged for each withdrawal transaction described below which exceeds the federal limitation* of six per statement cycle.

• Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • Statements will be generated on the ffth or sixth business day of each month (depending on your current cycle). • If you opened your account prior to July 1, 2019: you will earn interest on any balance for one year from your account open date, then it will transition to a tiered interest plan. Turn to page 46 for more details. • If you close this account prior to the crediting of interest, interest will not be paid. PREMIUM Premium Personal • If you opened your account on or after July 1, 2019: your money Money Market PERSONAL market is a tiered interest plan. Turn to page 46 for more details. MONEY MARKET - $6 monthly account price will be waived each statement cycle when a $1,000 minimum daily balance is maintained. Enroll in e-statements and enjoy $2 off the monthly account price, which will reduce the monthly account price to $4, if assessed. - A $2.00 service charge will be assessed for each transaction made using a non-Ameris Bank ATM. You may also incur an additional charge at the time of the transaction from the owner of the ATM. - An excess debit fee of $10 will be charged for each withdrawal transaction described below which exceeds the federal limitation* of six per statement cycle.

*Federal Transaction Limitations: Federal law governs withdrawal transactions from Savings and Money Market accounts. If transactions exceed limits, the account could be reclassifed as non-interest bearing. Federal law limits transfers to another deposit account with Ameris Bank or to a third party to a total of six per statement cycle (or six per month for quarterly statements). These transfers include: preauthorized agreement, telephone request, check, debit card, draft including online banking transfers and sweep transfers. Withdrawals made in person at an Ameris Bank offce or at an ATM are not subject to these limitations. Personal Savings continued on following page.

TRANSITION GUIDE | 13 Personal Savings continued CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4 • Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • For customers ages 18 and younger • $0.01 minimum daily balance to earn the disclosed annual percentage yield; if you close this account prior to the crediting of interest, interest will not be paid. MINOR • Statements will be generated at the end of each calendar quarter. Little Lion Savings SAVINGS - No quarterly account price - Little Lion Savings account holders ages 19 and older will transition to an Ameris Bank Personal Savings account – the details of this account are outlined above. - A $2.00 service charge will be assessed for each transaction made using a non-Ameris Bank ATM. You may also incur an additional charge at the time of the transaction from the owner of the ATM. • Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • Statements will be generated on the last business day of each month. • If you close this account prior to the crediting of interest, interest will not be paid. • Access funds with an HSA Visa® debit card or checks HEALTH SAVINGS Health Savings Account - $7 monthly account price will be waived each statement ACCOUNT cycle when $1,000 minimum daily balance is maintained. Enroll in e-statements and enjoy $2 off the monthly account price, which will reduce the Health Savings Account monthly account price to $5, if assessed. - A $2.00 service charge will be assessed for each transaction made using a non-Ameris Bank ATM. You may also incur an additional charge at the time of the transaction from the owner of the ATM. Personal CDs & IRAs The rate and maturity date on existing Fidelity Bank CDs and IRAs will not change or be affected by the transition to Ameris Bank. Turn to page 47 to see important details regarding changes to the terms and conditions for CD and IRA accounts.

Do you receive interest payments by check? Beginning Monday, November 4, interest checks will process and mail through the US Postal Service on the day the interest is due, and are typically received within fve business days. A separate CD interest check will be issued for each CD. Establish an automatic deposit of the interest into an Ameris Bank account as an alternative to a mailed paper check.

IRA 5498s will only be mailed to IRA owners when a current year or prior year contribution has been made. Wealth Management Wealth Management services not associated with a Fidelity Bank loan, checking or savings account will not be affected by this transition. The terms and conditions will remain the same.

14 | AMERIS BANK Loans Personal Line of Credit Beginning Monday, November 4, the term of your line of credit will convert to a fve-year maturity, maturing on November 30, 2024. Payments to your line of credit are due 25 days after your statement is generated. For all variable rate loans tied to an index, the rate on your loan will change on the same date the index rate change is effective, with the exception being loans that are scheduled to change 45 days after any index rate change. All other terms and conditions remain the same. Investment Secured Line of Credit, Cash Value Line of Credit, and Doctors Line of Credit These specifc lines of credit will not be affected by this transition. Your terms and conditions remain the same. Personal Loans Your personal loan will not be affected by this transition. Your terms and conditions remain the same. Home Equity Line of Credit (HELOC) Your Home Equity Line of Credit will not be affected by this transition. Payments to your HELOC are due 25 days after your statement is generated. All other terms and conditions remain the same. Mortgage Loans Your mortgage loan issued by Fidelity Bank will not be affected by this transition. Your terms and conditions remain the same. You will receive a separate letter outlining updates for how to submit payments. Auto Loans Your auto loan will not be affected by this transition. Your terms and conditions remain the same. Making Payments to Personal Loan and Lines of Credit • Loan payments and payoffs must be paid in US dollars and accompanied by a correct account number or payment coupon. • Automatic payments previously established and initiated through Fidelity Bank Online Banking to debit an external account for payment to your Fidelity Bank loan will no longer be supported in Online Banking. Please utilize one of our many other payment methods listed below. • Automatic payments established by an authorization agreement with Fidelity Bank will continue uninterrupted. • If you have an automatic payment established through another fnancial institution, you will receive notifcation outlining the necessary action to take to ensure your automatic payments continue uninterrupted after Monday, November 4. There are several ways to submit your payment to Ameris Bank, beginning Monday, November 4: • In Person – Visit an Ameris Bank location and provide your payment to a representative. The loan payment will be applied to the loan on the business day it is received. • Ameris Bank Night Deposit – Place a payment or payoff in the bank’s night deposit and the payment will be received and applied on the following business day (that is not an announced holiday). • Ameris Bank Online Banking • Bill Pay or Other External Payment Initiated with another Financial Institution - When submitting a payment (excluding those for your mortgage and auto loan), you will need to reference a loan number and a note number. Unless you receive a separate notice from us, your loan number will remain the same and your note number will be 00001. NOTE: When entering your loan number into Online Bill Pay or for ACH instructions, you must use a 17-digit format as your loan number. The 17-digit format must start with the note number referenced above, 00001, followed by the loan number. If your loan number is less than 12 digits, place zeros between the note number and the start of the loan number. For example, if your account number is 123456789, you will input this loan number into Online Bill Pay or for ACH instructions as 00001000123456789. • US Mail – Mail a check or money order to Ameris Bank Atlanta Loan Center at PO Box 105690, Atlanta, Georgia 30348. The loan payment must be received by 5:00 PM (ET) to be processed on that business day (that is not an announced holiday). • Contact your local banker to obtain a payoff. If you request a payoff to be sent to a third party, you must sign and submit this request in writing. TRANSITION GUIDE | 15 16 | AMERIS BANK BUSINESS

Checking Savings CDs Cash Management Loans

TRANSITION GUIDE | 17 Business Checking Find your current account name to then learn about your new account starting November 4. Even if your account name stays the same, some features and benefts may have changed.

CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4

• Online Banking with online bill pay, e-statements, email and text alerts • Mobile Banking with mobile bill pay and mobile check deposit • Text Banking • Telephone Banking FREE BUSINESS Free Business Checking ® CHECKING • Visa Debit Card • Unlimited check writing • Statements, including check images, are generated at the end of every month. - There is no minimum balance requirement for this account, and you won’t be charged a monthly account price.

• Earn interest when daily balance is $100 or greater • Online Banking with online bill pay, e-statements and alerts • Mobile Banking with mobile bill pay and mobile check deposit • Telephone Banking • Visa® Debit Card Interest Checking BUSINESS • If you close this account prior to the crediting of interest, interest Lion’s Pride Business INTEREST will not be paid. Interest Checking CHECKING • Statements are generated at the end of every month. - $10 monthly account price; $8 monthly account price if you enroll in e-statements - 100 free items each month; $0.20 for each item over 100; items include checks written and deposits made; service charges and maintenance fees are not counted towards the free items per month

• Online Banking, mobile banking and telephone banking Flat Rate Business • Visa® debit card Checking • Monthly imaged statements are generated at the end of every Business Solutions BUSINESS month. Checking CHECKING - 200 free items each month; $0.25 for each item over 200; Sweet Business Solutions items include debits, credits, and deposited items; service Checking charges and maintenance fees are not counted towards the free items per month.

18 | AMERIS BANK CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4

BUSINESS • Relationship pricing • Online Banking with online bill pay, e-statements and alerts Business RELATIONSHIP • Mobile Banking with mobile bill pay and mobile check deposit Checking Analysis CHECKING • Telephone Banking Lion’s Roar Business (ANALYSIS ® (Analysis) Checking CHECKING) • Visa Debit Card • Checking statements are generated at the end of every month; analysis statements are available within business online banking.

• Online Banking, mobile banking and telephone banking • Visa® debit card • Monthly imaged statements are generated at the end of every month. - $2 monthly account price NON-PROFIT Community Pride - 100 free items each month; $0.20 for each item over 100; CHECKING items include checks written and deposits made; service charges and maintenance fees are not counted towards the free items per month – The monthly account price and all item charges will be waived if the minimum daily balance is $500 or more or the average daily balance is $1,500 or more.

• Online Banking with online bill pay, e-statements and alerts IOLTA IOLTA • Mobile Banking with mobile bill pay and mobile check deposit • Telephone Banking

Regular Checking • Online Banking with online bill pay, e-statements and alerts Public Funds PUBLIC FUNDS • Mobile Banking with mobile bill pay and mobile check deposit Flat Rate Checking CHECKING Public Funds • Telephone Banking

• Online Banking with online bill pay, e-statements and alerts Interest Checking PUBLIC FUNDS • Mobile Banking with mobile bill pay and mobile check deposit Public Funds NOW • Telephone Banking

TRANSITION GUIDE | 19 Business Savings

CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4

• Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • $500 minimum daily balance to earn the disclosed annual percentage yield; if you close this account prior to the crediting of interest, interest will not be paid • Statements will be generated at the end of each calendar quarter. Business Savings BUSINESS - $11 quarterly account price will be waived when a $500 Super Savings Business minimum daily balance is maintained. Enroll in e-statements SAVINGS and enjoy $2 off the quarterly account price, which will Super Savings II Business reduce the quarterly account price to $9, if assessed. - A savings withdrawal fee of $10 will be charged for each debit transaction in excess of six per quarter. Debit transactions include withdrawals made in person at an Ameris Bank offce or at an ATM, automatic transfer or payment from the account. This is an activity fee unrelated to the federal transaction limitations described on page 21.

• Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • $2,500 minimum daily balance to earn the disclosed annual percentage yield; if you close this account prior to the crediting of interest, interest will not be paid Business Money Market • Statements will be generated at the end of every month. BUSINESS Sweet Money Market - $12 monthly account price will be waived each statement Business MONEY MARKET cycle when a $1,000 minimum daily balance or $3,000 average daily balance is maintained. Enroll in e-statements and enjoy $2 off the quarterly account price, which will reduce the monthly account price to $10, if assessed. - An excess debits fee of $10 will be charged for each withdrawal transaction, described on page 21, which exceeds the federal limitation* of six per statement cycle.

• Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • Statements will be generated at the end of every month • If you opened your account prior to July 1, 2019: You will earn interest on any balance for one year from your account open date, then it will transition to a tiered interest plan. • If you close this account prior to the crediting of interest, LION SPECIAL interest will not be paid. Special Business • If you opened your account on or after July 1, 2019: Your money Money Market BUSINESS MONEY MARKET market is a tiered interest plan. - $10 monthly account price will be waived each statement cycle when a $2,500 minimum daily balance is maintained. Enroll in e-statements and enjoy $2 off the monthly account price, which will reduce the monthly account price to $8, if assessed. - An excess debit fee of $10 will be charged for each withdrawal transaction, described on page 21, which exceeds the federal limitation* of six per statement cycle.

20 | AMERIS BANK CURRENT NEW NEW Fidelity Bank Ameris Bank Ameris Bank Account Account Account Information on November 4

• Online Banking, Mobile Banking, Telephone Banking, e-statements and Alerts • Statements will be generated at the end of every month. • If you opened your account prior to July 1, 2019: You will earn interest on any balance for one year from your account open date, then it will transition to a tiered interest plan. • If you close this account prior to the crediting of interest, PREMIUM interest will not be paid. Premium Business • If you opened your account on or after July 1, 2019: Your money Money Market BUSINESS MONEY MARKET market is a tiered interest plan. - $10 monthly account price will be waived each statement cycle when a $2,500 minimum daily balance is maintained. Enroll in e-statements and enjoy $2 off the monthly account price, which will reduce the monthly account price to $8, if assessed. • An excess debits fee of $10 will be charged for each withdrawal transaction, described below, which exceeds the federal limitation* of six per statement cycle.

PUBLIC FUNDS • Online Banking with online bill pay, e-statements and alerts Public Funds MONEY MARKET • Mobile Banking with mobile bill pay and mobile check deposit Money Market • Telephone Banking Public Funds Savings PUBLIC FUNDS • If you close this account prior to the crediting of interest, SAVINGS interest will not be paid.

Business CDs The rate and maturity date on existing Fidelity Bank CDs will not be affected by the transition to Ameris Bank. Turn to page 47 for important details regarding changes to the CDs terms and conditions.

TRANSITION GUIDE | 21 Cash Management Agreements Cash management services will continue through Ameris Bank. Ameris Bank may need an updated cash management agreement(s). If so, we will contact the primary account holder to obtain the signed updated agreement(s).

Cash Management Customer Service If you have any questions or concerns regarding your cash management services, please email [email protected] or call 866.616.6020 and select option 5.

Positive Pay Positive Pay services will continue after the transition to Ameris Bank is complete. Beginning Monday, November 4, the time frame for making decisions on questionable transactions will be 9:00 AM (ET) – 3:00 PM (ET).

Merchant Services Merchant Services will not be affected by this transition. Continue to use this service as normal.

Automated Clearing House (ACH) This service will continue within Ameris Bank Business Online Banking and the cut-off time for processing at Ameris Bank will be 4:00 PM (ET) Monday - Friday. • Important times: - Friday, November 1 at 4:00 PM (ET): The fnal cut-off time for ACH origination through Fidelity Bank.

- Friday, November 1 at 4:00 PM (ET) – Monday, November 4 at 8:00 AM (ET): ACH origination through Fidelity Bank will not be available; however, all previously scheduled ACH transactions to occur during this time will process uninterrupted.

- Monday, November 4: ACH services start through Ameris Bank Online Banking. • Automatically transitioning: - Primary and secondary user identifcations.

- Limits and existing ACH templates identifed within your Fidelity Bank Online Banking profle as of Friday, September 20. • The Preview Period – starts Monday, October 7. - Early preview access to Ameris Bank Business Online Banking and ACH services.

- For your security, look for a separate notifcation with login credentials.

- During this time, review information and templates that transitioned over, create new templates, make edits to templates, and reschedule all recurring ACH transactions.

- You will not be able to send fles using these templates or upload ACH fles until Monday, November 4.

TRANSITION TIP: Any ACH activity added, changed or deleted within Fidelity Bank Online Banking after Friday, September 20, will not automatically transition to Ameris Bank Business Online Banking. Please take note of these modifcations and make the updates during the Ameris Bank Business Online Banking Preview Period, which starts on October 7.

22 | AMERIS BANK Online Wire This service will continue within Ameris Bank Business Online Banking. Starting Monday, November 4, the processing time for Domestic Wires and International Wires (US Dollars) is 8:00 AM – 5:00 PM (ET) and for International Foreign Exchange Wires is 8:00 AM – 3:30 PM (ET).

• Important times: - Friday, November 1 at 5:00 PM (ET): You will no longer be able to send online wires through Fidelity Bank.

- Monday, November 4: Send online wires through Ameris Bank Business Online Banking. • Automatically transitioning: - Online wire templates identifed within your Fidelity Bank Online Banking profle as of Friday, September 20. • The Preview Period – starts Monday, October 7. - Early preview access to Ameris Bank Business Online Banking and online wire services.

- For your security, look for a separate notifcation with login credentials.

- During this time, review and edit templates that transitioned over, schedule future online wire transfers and create recurring online wire templates to use on Monday, November 4.

TRANSITION TIP: Any online wires added, changed or deleted within Fidelity Bank Online Banking after Friday, September 20, will not automatically transition to Ameris Bank Business Online Banking. Please take note of these modifcations and make the updates during the Ameris Bank Business Online Banking Preview Period, which starts on October 7.

Night Deposit Continue to use your current night deposit bag and keys through Friday, November 1 at 8:00 AM (ET). Beginning Monday, November 4, Ameris Bank representatives will begin to issue new Ameris Bank Night Deposit agreements, bags and keys.

Remote Deposit Remote Business Deposit will not be affected by this transition. Continue to use this service as normal.

In 2020, we will provide your business with new hardware and software for remote processing. If this is needed, you will not incur any fees or charges, you will know well in advance of any changes taking place, and a technician will assist you in the transition.

For your account security: Ameris Bank Business Online Banking users will be required to use an advanced authentication method to securely process ACH and online wire transactions. Ameris Bank will issue a secure token to be used when conducting ACH and wire transactions – you will use the same token to process both ACH and online wire transfers. You will receive this security token when you are onboarded by a treasury specialist, no later than Friday, November 1.

TRANSITION GUIDE | 23 Loans Business Line of Credit Your business line of credit will not be affected by this transition. Your terms and conditions remain the same. Business and Commercial Loans Your business loan will not be affected by this transition. Your terms and conditions remain the same. SBA Loans SBA loan customers received a separate letter in July with details regarding the transfer for SBA loans to the Ameris Bank SBA loan operating system. The SBA loan’s terms, conditions, billing cycle and payment due date will remain the same. All previously scheduled ACH payments will continue to process as customary. SBA loan customers will receive a separate communication regarding statement issuance and payment submissions. Residential Construction Builder Lines of Credit Your residential construction builder line of credit will not be affected by this transition. Your terms and conditions remain the same. Continue submitting payments as normal. If you mail your payment, mail payment to Ameris Bank Atlanta Loan Center, PO Box 105075, Atlanta, Georgia 30348. Making Payments to Business Loan and Lines of Credit • Loan payments and payoffs must be paid in US dollars and accompanied by a correct account number or payment coupon.

• Automatic payments previously established and initiated through Fidelity Bank Online Banking to debit an external account for payment to your Fidelity Bank loan will no longer be supported in Online Banking. Please utilize one of our many other payment methods listed below.

• Automatic payments established by an authorization agreement with Fidelity Bank will continue uninterrupted.

• If you have an automatic payment established through another fnancial institution, you will receive notifcation outlining the necessary action to take to ensure your automatic payments continue uninterrupted after Monday, November 4. There are several ways to submit your payment to Ameris Bank, beginning Monday, November 4: • In Person – Visit an Ameris Bank location and provide your payment to a representative. The loan payment will be applied to the loan on the business day it is received.

• Ameris Bank Night Deposit – Place a payment or payoff in the bank’s night deposit and the payment will be received and applied on the following business day (that is not an announced holiday).

• Ameris Bank Online Banking • Bill Pay or Other External Payment Initiated with another Financial Institution – When submitting a payment (excluding those for your mortgage and auto loan), you will need to reference a loan number and a note number. Unless you receive a separate notice from us, your loan number will remain the same and your note number will be 00001. NOTE: When entering your loan number into Online Bill Pay or for ACH instructions, you must use a 17-digit format as your loan number. The 17-digit format must start with the note number referenced above, 00001, followed by the loan number. If your loan number is less than 12 digits, place zeros between the note number and the start of the loan number. For example, if your account number is 123456789, you will input this loan number into Online Bill Pay or for ACH instructions as 00001000123456789. • US Mail – Mail a check or money order to Ameris Bank Atlanta Loan Center at PO Box 105075, Atlanta, Georgia 30348. The loan payment must be received by 5:00 PM (ET) to be processed on that business day (that is not an announced holiday).

• Contact your local banker to obtain a payoff. If you request a payoff to be sent to a third party, you must sign and submit this request in writing.

24 | AMERIS BANK TRANSITION GUIDE | 25 26 | AMERIS BANK ACCOUNT ACCESS

Online Banking Online Bill Pay Mobile Banking Text Banking Email & Text Alerts Automated Telephone Banking Debit Cards Statements Wires Safe Deposit Box

TRANSITION GUIDE | 27 Online Banking You will continue to have access to online banking with Ameris Bank through Personal Online Banking or Business Online Banking. For your security, you will receive a separate notifcation with more information. Important Details: • Beginning Friday, November 1 at 7:00 PM (ET): Fidelity Bank Online Banking will be available in view only mode. You won’t be able to transfer money during this time.

• Monday, November 4: Access Ameris Bank Online Banking by visiting amerisbank.com. With Ameris Bank Online Banking, there are different login credentials for business online banking and personal online banking. You will receive a separate notifcation noting your designation and your login credentials – for your security.

• If you haven’t used Fidelity Bank Online Banking within the last 90 days, you will need to enroll in Ameris Bank Online Banking on or after Monday, November 4.

Transition Tip: Download any historical transactions you may need for future reference or tax records.

What’s Automatically Transitioning to Your Ameris Bank Online Banking Profle? • 60 days of transaction history

• One year of statement history for those currently enrolled to receive e-statements

• All scheduled recurring deposit account transfers established within Fidelity Bank Online Banking will continue as normal.

• Your preference to receive e-statements (if that is how you currently receive statements with Fidelity Bank)

• Online Bill Pay information (turn to page 30 for more details)

Important note: If you are currently enrolled to receive e-statements, you will no longer receive a mailed paper statement. PopMoney, Business Email Payments, and My Spending will not be available within Ameris Bank Online Banking.

Accessing Ameris Bank Online Banking Is Easy! • Ameris Bank has Personal Online Banking and Business Online Banking.

• You will receive a separate letter that confrms which online banking you will access and your login credentials (mailed separately for your security).

• When you log in to Ameris Bank Online Banking, make sure you select the appropriate online banking option (Personal or Business).

• When loging in for the frst time, follow a series of prompts to:

- Change your password from the temporary password that will be provided to you.

- Verify your name, email and phone number (this only applies to Business Online Banking).

- Complete advanced security login authentication.

- Accept the Ameris Bank Online Banking agreement.

28 | AMERIS BANK BUSINESS ONLINE BANKING PREVIEW PERIOD This is early, preview access to Ameris Bank Business Online Banking. It starts Monday, October 7. Use the same login credentials you will use to access live online banking starting November 4.

During the preview period: • Customize your online banking dashboard • Establish user parameters for everyone with access to your business’ online banking • Review ACH identifcation, limits and templates that transitioned over • Create new ACH templates • Make edits to existing ACH templates • Review existing wire templates • Make edits to existing wire templates • Schedule future online wires

Important Note: Anything added, changed or deleted within Fidelity Bank Online Banking after Friday, September 20, will not automatically transition to Ameris Bank Business Online Banking. Please take note of these modifcations and make the updates during the Ameris Bank Business Online Banking Preview Period, which starts on October 7.

Use Ameris Bank Business Online Banking to: establish text and email alerts, transfer money, pay bills, view balances, transactions, e-statements (if enrolled), and download information into your personal fnancial software — your transactions can be downloaded into Microsoft Money, Quickbooks, Intuit Quicken or you can choose a CSV comma separated fle.

Business Online Banking Demo Available - Visit amerisbank.com/WelcomeFidelityBank

TRANSITION GUIDE | 29 Online Bill Pay - For Personal Account Users You will continue to have online bill pay with Ameris Bank through Ameris Bank Personal Online Banking. Important Details: • Beginning Monday, October 28, at 8:00 AM (ET): Fidelity Bank Online Bill Pay for personal account holders will no longer be available. Mobile Banking Bill Pay for personal account holders will no longer be available Monday, October 21 at 8:00 AM (ET).

• Monday, November 4: Ameris Bank Online Bill Pay will be available through Ameris Bank Personal Online Banking.

• All scheduled bill payments within Fidelity Bank Online Bill Pay will process as scheduled:

- Bills with a due date of Friday, November 1 or earlier → the payment will be issued by Fidelity Bank.

- Bills with a due date of Monday, November 4 or later → the payment will be issued by Ameris Bank.

- Bills with a due date between November 4 - November 7 could possibly be late due to the transition. Consider scheduling earlier due dates for your payments currently scheduled with a due date of November 4 - November 7 to avoid possible late fees.

What is Automatically Transitioning? • Payment instructions, including payment date, will automatically transfer.

• Six (6) months of bill pay history

• All payee information

• Recurring payments

• Single payments scheduled to occur after November 1, 2020 (a year after this transition) will not automatically transition – you will need to reestablish this payment within Ameris Bank Online Bill Pay.

TRANSITION TIP: All payee information and instructions automatically transfer, but it is a best practice to capture a screen grab or take note of this information within Fidelity Bank Online Bill Pay prior to November 1, for reference if needed after the transition to Ameris Bank.

30 | AMERIS BANK Bills Are Paid on Scheduled Date within Personal Online Banking Bill Pay – What Does this Mean? Fidelity Bank Online Bill Pay for Personal Ameris Bank Online Bill Pay Uses a Account Holders Uses a “Schedule Date” Model “Due Date” Model You schedule the date the payment should be sent to the payee, which is the day the payment will begin processing. When you use our Bill Pay calendar to schedule this You choose the date your bill processing date, you will see the date the payment will be payment must be received by received by the payee. WHAT DOES THIS the payee and Fidelity Bank For electronic payments, funds are debited from the account MEAN? ensures it is received by this on the scheduled payment date. For check payments, funds date. On this date, the payment are debited from your account once the check clears your is drafted from your account. account after the payee has processed it. This is the same as with any other check you write out of your account. You can view images of these Bill Pay checks through transaction history within online banking.

All payments, payees, and history found within Fidelity Bank Online Bill Pay will transition to Ameris Bank Online Bill Pay. When reviewing your Ameris Bank Online Bill Pay future payments, you may notice that the delivery date is one day later than what the due date was within Fidelity WHAT YOU NEED Bank Online Bill Pay. Therefore, these bill payments will arrive one day later. Payments scheduled TO KNOW. to occur on a weekend or holiday will be processed on the next business day. To account for this transition, we encourage Fidelity Bank Online Bill Pay users to check your payment delivery dates prior to Monday, October 28, and adjust any payments scheduled to occur on or after Monday, November 4.

TRANSITION TIP: You will see the same bill pay information within Ameris Bank Online Banking and Mobile Banking. However, all bill pay instructions must frst be established within online banking via a browser. Once established, you will then be able to pay the bill through mobile banking.

Check Payments and Electronic Payments – What’s the Difference? Ameris Bank Online Bill Pay offers two different payment types:

• Check Payments: When you request a bill to be paid using a check, Ameris Bank Online Bill Pay will mail a check using your account number and your routing number. You will choose the date on which the payment will be sent from Ameris Bank Online Bill Pay (also referred to as “Send On” date). The amount of the check payment will not be debited from your account until the payee cashes or deposits the check.

• Electronic Payments: When you request a bill to be paid electronically, you will also choose the date on which the payment will be sent from Ameris Bank Online Bill Pay (also referred to as “Send On” date). The amount of the payment will be debited from your account on the date the payment is sent.

• On November 4, check your payment types within Ameris Bank Online Bill Pay. If your payment type was previously electronic and transitioned to Ameris Bank Online Bill Pay as a check payment, consider adjusting the payment date to accommodate a 4-day mailing period.

Do you use eBills? You must discontinue eBills with Fidelity Bank prior to October 28, 2019. On November 4, you may reestablish your eBills within Ameris Bank Online Banking. Timing for when your eBill(s) is confrmed is controlled by the payee, and may take up to 1-2 billing cycles. So until your eBill reestablishment is confrmed, you may need to make payment using an alternative method.

Transition Tip: Disconnect eBills a few weeks ahead of this transition.

TRANSITION GUIDE | 31 Online Bill Pay - For Business Account Users You will continue to have access to online bill pay with Ameris Bank through Ameris Bank Business Online Banking. Important Details: • Beginning Friday, November 1 at 4:00 PM (ET): Fidelity Bank Online Bill Pay for business account holders will no longer be available.

• Monday, November 4: Ameris Bank Online Bill Pay will be available through Ameris Bank Business Online Banking and you will no longer need separate login credentials for online bill pay.

• All scheduled bill payments within Fidelity Bank Online Bill Pay will process as scheduled:

- Bills with a process date of November 1 or earlier → the payment will be issued by Fidelity Bank.

- Bills with a process date of November 4 or later → the payment will be issued by Ameris Bank.

- Bills with a due date between November 4 - November 7 could possibly be late due to the transition.

What is Automatically Transitioning? • Payment instructions, including payment date, will automatically transfer.

• Six (6) months of bill pay history

• All payee information

• Recurring payments

32 | AMERIS BANK Check Payments and Electronic Payments – What’s the Difference? Ameris Bank Online Bill Pay offers two different payment types:

Do you use eBills? You must discontinue eBills with Fidelity Bank prior to October 28, 2019. On November 4, you may reestablish your eBills within Ameris Bank Online Banking. Timing for when your eBill(s) is confrmed is controlled by the payee, and may take up to 1-2 billing cycles. Until your eBill reestablishment is confrmed, you may need to make payment using an alternative method.

Transition Tip: Disconnect eBills a few weeks ahead of this transition.

TRANSITION GUIDE | 33 Mobile Banking You will continue to have access to mobile banking with Ameris Bank. Customers must frst log in to Ameris Bank Online Banking prior to loging in to Ameris Bank Mobile Banking for the frst time. Important Details: • Beginning Friday, November 1 at 7:00 PM (ET): Fidelity Bank Mobile Banking will be available in view only mode. You won’t be able to transfer money or make mobile deposits during this time.

• Monday, October 21 at 8:00 AM (ET): Bill Pay through Fidelity Bank Mobile Banking will no longer be available. Turn to page 30 for more information about Bill Pay.

• Monday, November 4: Access to Ameris Bank Mobile Banking will be available. Download the Ameris Bank Personal or Business Mobile Banking app. Accessing Ameris Bank Mobile Banking Is Easy! • Ameris Bank has two apps – a Personal Mobile Banking app and a Business Mobile Banking app.

- If you utilize Ameris Bank Personal Online Banking, you will download the Personal Mobile Banking App.

- If you utilize Ameris Bank Business Online Banking, you will download the Business Mobile Banking App.

• You must have access to Ameris Bank Online Banking to access Ameris Bank Mobile Banking.

- The same credentials used to access online banking will be used to access mobile. If you wish to change your login credentials, credentials must be changed within the web browser of online banking and your new credentials will be used for both online and mobile banking.

- Once you access mobile banking for the frst time, you can activate biometric authentication for iPhones.

- Current Fidelity Bank Online Banking users will receive a separate notifcation with online banking login credentials (provided separately for your security).

- If you haven’t used Fidelity Bank Online Banking within the last 90 days, you will need to enroll in Ameris Bank Online Banking on or after Monday, November 4 to then access Ameris Bank Mobile Banking.

PERSONAL BUSINESS

Prefer not to use the app? Use Mobile Web Banking. Beginning Monday, November 4, on your mobile device, visit:

• mc.amerisbank.com for Personal Mobile Web Banking

• mb.amerisbank.com for Business Mobile Web Banking

The frst time you access on or after November 4, use your Ameris Bank Online Banking credentials to log in and follow the enrollment prompts. You will be prompted to enter your frst name, last name and date of birth; answer three security questions obtained from public information; read and accept the mobile terms and conditions; and enter the phone number of the device you are enrolling.

34 | AMERIS BANK Text Banking You will continue to have access to text banking with Ameris Bank. Important Details: • Beginning Friday, November 1 at 7:00 PM (ET): Fidelity Bank Text Banking will be available in view only mode. You won’t be able to transfer money during this time.

• Monday, November 4: Activate Ameris Bank Text Banking from within Ameris Bank Online Banking. Using Ameris Bank Text Banking Is Easy! • Visit amerisbank.com and log in to Personal Online Banking.

• Click “Manage Mobile Banking Settings” from the Quick Links in the left navigation.

• Click “Activate Now” listed by SMS/Text Banking.

• Follow the prompts to activate and begin using Text Banking. Once activated, text a command to 79680 at any time, and we will instantly reply with your requested information. TEXT COMMAND MEANING B or BAL Balance summary

H or HIST History of recent transactions

C or CMD List of Text Banking commands

HE or HELP Help content for Text Banking

L or LOGIN URL to log in to the mobile banking website

M or MORE Displays more messages when available

Cancels Text Banking services. S or STOP This does not cancel any other modes of communication.

TRANSITION GUIDE | 35 Email and Text Alerts Receive real-time email or text message notifcations of account changes or events based on your alert preferences. Important Details: • Beginning Saturday, November 2: You will no longer receive Fidelity Bank email and text notifcations.

• Monday, November 4: Establish alerts within Ameris Bank Online Banking and begin receiving preferred email and text alerts. Establish Ameris Bank Email and Text Alerts: 1. Log in to Ameris Bank Personal Online Banking.

2. Select “Customer Service” from the top navigation.

3. Select “Alerts.”

4. Select the link at the top of the webpage titled “Add contact information” to update the email address and phone number that the alerts will be sent to or click change beside the primary email, secondary email or text message phone number that already exists.

5. Indicate the alerts you prefer to receive for each Ameris Bank account.

Receive alerts such as: account balance, transfers processed, transfers failed, balance falls below a pre-determined amount, balance exceeds a pre-determined amount, a pre-determined deposit is processed, or a specifc check cleared.

Automated Telephone Banking You will continue to have Ameris Bank Automated Telephone Banking. Important Details: • Friday, November 1 at 4:00 PM (ET): Fidelity Bank Automated Telephone Banking be available in inquiry only mode. You won’t be able to transfer money during this time.

• Monday, November 4: Call 866.616.6020 and select option one for Ameris Bank Automated Telephone Banking.

• Your Personal Identifcation Number (PIN) for Ameris Bank Automated Telephone Banking will be the last four digits of the primary account holder’s Social Security number or the last four digits of the Federal EIN for business accounts.

• After entering this PIN for the frst time, you will automatically be prompted to change your PIN. This PIN is different from your debit card PIN.

With Automated Telephone Banking: check account balances, loans and lines of credit, make transfers, activate debit cards and change debit card PINs.

36 | AMERIS BANK Debit Cards Continue using your current Fidelity Bank debit or ATM card without interruption. • When your card expires, or if it needs to be replaced, you will receive a new Ameris Bank Visa® debit card and card number.

• Use your Fidelity Bank debit card at any Ameris Bank ATM free of charge, to withdraw cash, obtain balance information, and transfer funds.

• If you use your Ameris Bank or Fidelity Bank debit card at any non-Ameris Bank ATM, based on your account type, you may incur a $2 service charge and an additional surcharge from the ATM owner.

• Beginning Monday, November 4, Verifed by Visa® will no longer be available. Beginning Monday, November 4, your debit card limits will be: Point-of-Sale Signature ATM Withdrawals Transactions Transactions Cash Advances Personal Visa® Daily cumulative Daily cumulative Daily cumulative Daily cumulative Debit Card limit of $500 limit of $1,000 limit of $2,500 limit of $1,000 Business Visa® Daily cumulative Daily cumulative Daily cumulative Daily cumulative Debit Card limit of $500 limit of $500 limit of $5,000 limit of $5,000 Statements Important Details: • All accounts will receive a fnal Fidelity Bank printed statement refecting transactions posted after your prior statement through Friday, November 1. For interest bearing accounts, this statement will note an interest payment date of November 1, 2019; however, interest will accrue and pay through November 3, 2019. This statement will only be mailed, and will not be sent electronically. • The next statement will be from Ameris Bank, refecting transactions posting after Friday, November 1. • If you currently receive e-statements, you will continue to receive e-statements and will no longer receive printed statements. • The electronic delivery of October 31, 2019, statements may be delayed. A printed October 31, 2019, statement will be mailed.

• Combined statements will continue with Ameris Bank.

When are Ameris Bank statements generated? • Personal checking and money market statements are generated on either the ffth or sixth business day of each month depending on your current statement cycle. • Business checking, business money market, and Health Savings Account (HSA) statements are generated at the end of each month. • Savings statements are generated at the end of each calendar quarter. You will receive a monthly activity statement if you have ACH or electronic transaction activity on your savings account. • IRA plan-level statements are generated annually at year-end. • CD accounts: statements are not generated. • Line of credit statements are generated throughout the month with payments due 25 days after the statement

is generated. TRANSITION GUIDE | 37 Wires You can continue to send and receive wires at Ameris Bank. Incoming Wires Wires received between Friday, November 1 at 5:00 PM (ET) and Monday, November 4 at 4:00 PM (ET) will be processed on Monday, November 4.

Beginning Monday, November 4, use the below incoming wire instructions. For same-day credit, wires must be received by Ameris Bank by 5:00 PM (ET) Monday – Friday.

Incoming International Wires Incoming International Wires Incoming Domestic Wires for US Dollars for Non-US Dollars Provide the following information to the Provide the following information to the Provide the following information to the entity sending the wire. entity sending the wire. entity sending the wire. • Benefciary Bank: • Benefciary customer information for • Benefciary customer information for Ameris Bank fnal credit, to include account name fnal credit, to include account name 300 S. Main St. (exactly as it appears on the account), (exactly as it appears on the account), Moultrie, GA 31768 account number and account address. account number and account address. • Benefciary Bank Routing Number: • Swift Code: WFBIUS6S • Swift Code: WFBIUS6WFFX 061201754 • Bank Information: Wells Fargo • Bank Information: Wells Fargo • Benefciary customer information, • Address: 420 Montgomery Street, • Address: 420 Montgomery Street, including account name (exactly as San Francisco, CA 94104-1207 San Francisco, CA 94104-1207 it appears on the account), account number and account address • Credit to: Ameris Bank • Credit to: Ameris Bank • Account Number: 4978401370 • Account Number: 4978401370 • Special Instructions: Customer’s • Special Instructions: Customer’s Name Name • Account Number: Customer’s Account • Account Number: Customer’s Account Number Number

Outgoing Wires • Beginning Monday, November 4, use the Ameris Bank routing number, 061201754, and your Ameris Bank account number when initiating outgoing wires.

• To initiate a wire: fax, call or visit your local Ameris Bank offce.

• The hours for sending wires at Ameris Bank are Monday – Friday, 9:00 AM – 4:00 PM (ET).

Business Online Wires Business online wire transfers will continue to be available through Ameris Bank Business Online Banking. Beginning Monday, November 4, cut-off times for processing online wires will be:

• Domestic Wires: 8:00 AM (ET) – 5:00 PM (ET)

• International Wires (US Dollars): 8:00 AM (ET) – 5:00 PM (ET)

• International Foreign Exchange Wires: 8:00 AM (ET) – 3:30 PM (ET)

• Online wire transfers will not be available to individuals using Ameris Bank Personal Online Banking.

38 | AMERIS BANK Safe Deposit Box Your box will remain in the same location unless you have received a separate notifcation from us.

• Payments for Safe Deposit Boxes are due on January 1 of each year instead of the anniversary date of when you rented your box. Your frst annual invoice will be due on January 1, 2021.

• Prior to January 1, 2021, a payment due date reminder will be mailed to you. The annual rental price may change after this date based on box size.

• The lease on your safe deposit box will automatically renew from year to year unless you or Ameris Bank terminates the agreement.

• Ameris Bank will only grant access to the safe deposit box to the authorized owner or legal representative.

• If your annual payment is late or we must drill your box, there will be a late charge and drilling fee. Turn to page 52 for more details. Below are Ameris Bank Safe Deposit Box prices.

SIZE PRICE PER YEAR SIZE PRICE PER YEAR 1.5” x 5” $20 5” x 10” $60 2” x 5” $20 6” x 10” $60 3” x 5” $25 8” x 10” $75 4” x 5” $30 10” x 10” $125 2” x 10” $35 10” x 11” $125 5” x 5” $40 10” x 15” $125 3” x 10” $40 9” x 16” $150 4” x 8” $45 11” x 16” $175 4” x 9” $45 14” x 17” $350 4” x 10” $45

Lost or Stolen Safe Deposit Box Keys We hope this doesn’t happen, but if you misplace or lose one or more of the keys, combinations, or other approved access devices to your safe deposit box, you must immediately let us know with a written notice. You will be responsible for the expenses associated with replacing the access device, opening the safe deposit box, or changing any locks.

TRANSITION GUIDE | 39 40 | AMERIS BANK NOTICES & DISCLOSURES

FDIC Coverage Overdraft Practices Disclosure Truth in Savings Disclosures Personal Checking Account Holders– Subaccount Organization Notice of Change to the Terms of CD and IRA Accounts Your Ability to Withdraw Funds at Ameris Bank Dormancy Parameters Electronic Funds Transfer Disclosure Miscellaneous Services Pricing Guide Protecting Your Information Privacy Policy

TRANSITION GUIDE | 41 FDIC COVERAGE FDIC Deposit Insurance is $250,000 per depositor. By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. FDIC Deposit Insurance is $250,000 per depositor per ownership category. However, if you currently hold accounts at both Fidelity Bank and Ameris Bank and the combined total deposits exceed $250,000 per ownership category, you are subject to the special FDIC insurance rule. This rule indicates that because of the transition of the Fidelity Bank branches, deposits will be considered separately insured, as if the two banks are still operating separately, for at least six months and possibly longer for certifcates of deposits (CD). For more information about FDIC insurance coverage, please contact us or visit https://www.fdic.gov/deposit/deposits/. OVERDRAFT PRACTICES DISCLOSURE This is what you need to know about overdrafts, overdraft fees, and how to avoid them. Beginning Monday, November 4, the following overdraft practices will apply. • The balance used for determining overdrafts will be your available balance rather than your end-of-day balance. Your end-of-day balance is your balance upon settlement of transactions each business day and is the balance shown on your deposit statements. • Holds for pending electronic transactions, such as debit card purchases and hotel or rental car deposits, will reduce your available balance and may cause your account to become overdrawn. • IMPORTANT NOTE: If your account is overdrawn fve consecutive business days, a $35 extended overdraft fee will be charged in addition to any per item overdraft fees already incurred. Overdraft and Insuffcient Funds (NSF) Return Item Fees are $35 per item. There is a limit of fve per-item charges per business day for consumer accounts. • Our standard overdraft practices will replace Fidelity Bank’s Overdraft Service Program. Please reference page 43 for additional details regarding our standard overdraft practices. Please reference the example below for further explanation: DAY TRANSACTION DESCRIPTION OR ACTION BALANCE UPON SETTLEMENT OF BUSINESS DAY’S Available Balance Used to Determine Overdraft TRANSACTION PERSONAL ACCOUNT BUSINESS ACCOUNT END-OF-DAY AVAILABLE END-OF-DAY AVAILABLE Friday Balance as of end-of-day settlement Friday night $100.00 $100.00 $100.00 $100.00 Saturday $50.00 Debit Card Purchase at Merchant N/A $50.00 N/A $50.00 Monday $75.00 Check Presented for Payment $25.00 ($25.00) $25.00 ($25.00) Monday Overdraft Fee for Check ($35.00) N/A ($60.00) N/A ($60.00) Tuesday $50.00 Debit Card Transaction Settles from Saturday ($25.00) ($60.00) ($25.00) ($60.00) Tuesday Overdraft Fee for Debit Card transaction ($35.00) Not Assessed* ($60.00) ($60.00)* ($60.00) ($60.00) *Ameris Bank will not charge an overdraft fee on ATM and one-time debit card transactions if there were suffcient available funds in your account at the time the transaction was approved. Additionally, for personal accounts the bank is prohibited from charging an overdraft fee on ATM and one-time debit card transactions unless you have specifcally requested Ameris Bank to authorize and pay these overdrafts. Overdrafts Due to ATM & One-Time Debit Card Transactions For personal accounts, Ameris Bank will not authorize overdrafts on your ATM or one-time debit card transactions, unless you specifcally authorize Ameris Bank to do so. All current authorizations made with Fidelity Bank will transfer to Ameris Bank. Beginning Monday, November 4, to provide or change your authorization to Ameris Bank: • Log in to online banking and denote your ATM/Debit Card Overdraft Settings, or • Call 866.616.6020 and select option 1 for automated telephone banking; opt-in preferences are accessible from the account service menu after verifying your checking account information, or • Call our Customer Care Center at 866.616.6020. • Ameris Bank cannot charge an overdraft fee for an ATM or one-time debit card transaction unless you have provided this authorization for personal accounts. Other Overdraft Management Solutions Ameris Bank offers overdraft protection plans which may be less costly for you than our standard overdraft practices: • Automatic transfer from another deposit account to cover an overdraft. • Automatic transfer of available funds from a line of credit (which is subject to credit approval) to cover an overdraft. An automatic transfer to cover your overdraft item(s) is $10 from a linked deposit account. For advances on a line of credit there is no fee for the transfer; however, you will incur interest charges as specifed in your agreement until the balance is repaid. If there are not suffcient funds in your overdraft protection transfer account to cover the overdraft, standard overdraft practices will apply. Tools to Assist in Avoiding Overdrafts and Understanding Your Account • To avoid overdrafts, keep track of what you are spending and don’t forget outstanding transactions. Please be aware that holds placed on your account, including exception and case-by-case holds on deposited items and holds for pending electronic transactions, such as debit card purchases and hotel or rental car deposits, reduce your available balance and may cause your account to become overdrawn. Your available balance may not refect all your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant. • Ameris Bank provides you with ready-access to your available balance information through multiple channels. If you are aware that your available balance will not cover current and outstanding transactions, you have an opportunity to make a deposit to ensure suffcient funds are in your account and available for processing at the end of the business day.

42 | AMERIS BANK • Electronic Banking: Take advantage of real-time, round-the-clock access to your account information though Online Banking, Mobile Banking, Text Banking, email and text alerts, and automated telephone banking. We encourage you to use these services to help you manage your account responsibly. • Real-Time Balance and Transaction Availability: When using electronic banking, you will now see a real-time, updated account balance providing detailed information for all posted and authorized pending transactions. This balance will not include overdraft limits and checks that have not been presented for payment. • ATM Receipt: Your ATM receipt balances will provide your actual, real-time balance (does not include any overdraft limits.) Standard Overdraft Practices Ameris Bank offers overdraft protection plans including transfers from another Ameris Bank account or a line of credit in addition to our standard overdraft practices. Ameris Bank applies our standard overdraft practices to your checking account. With our standard overdraft practices we will generally pay your overdraft items up to $500 ($1,000 for Amenity and Advantage Checking or $1,500 for business checking, excluding Analysis, Non-Proft, IOLTA and Public Funds) after your account has been open for 30 days. The amount of the overdraft items and all applicable fees, including but not limited to the overdraft fees, are included in this limit. Whether your overdrafts will be paid is at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If multiple items are presented to the bank for payment and there are not suffcient funds to pay all those items, the bank has the right to decide the order of the items that will be paid and which items will be returned, if any. We typically do not pay overdrafts when: 1. You do not bring your account to a positive balance within 20 days of becoming overdrawn. 2. Your account product type is not eligible. 3. You are subject to any legal or administrative order, levy, or are currently a party in a bankruptcy proceeding. 4. You have an outstanding balance on an overdraft repayment plan. 5. Your account is being reviewed for fraudulent activity or transactions. 6. The primary account owner is less than 18 years old. 7. You have not made a deposit to your account in the last 33 days. 8. We believe you are not managing your account in a responsible manner, which may harm you or us. Costs you may incur with our Standard Overdraft Practices You will be charged an Overdraft or NSF Return Item fee of $35 for each item that is presented against an available balance insuffcient to cover the transaction. There is a limit of fve charges per day for consumer accounts. An Overdraft or NSF Return Item fee will not be assessed if the account is overdrawn $5.00 or less. If you do not bring your account to a positive balance, you will be charged an Extended Overdraft fee of $35 on the ffth business day that your account has a negative available balance. All deposits to overdrawn accounts are applied to the negative balance. You are expected to bring your account to a positive balance within 60 days. Items covered by our Standard Overdraft Practices Standard overdraft practices covers all checks, in-person withdrawals, ACH transactions, preauthorized electronic transactions, automatic bill payments, and recurring debit card transactions. For personal accounts, standard overdraft practices do not cover ATM and one-time debit card transactions unless you authorize Ameris Bank to pay these types of transactions causing an overdraft. If you have authorized payment for ATM and one-time debit card transactions, please verify your balance before initiating an ATM cash withdrawal or making a purchase. Each overdraft will be subject to a $35 overdraft fee. How an Overdraft Occurs Your available balance is used to determine an overdraft. An overdraft occurs when you do not have enough money available in your account to cover posted transactions at the time of processing each business day. An overdraft may result from: • the payment of checks, electronic funds transfers, or other withdrawal requests • payments (checks or automatic drafts) authorized by you • returned unpaid item(s) deposited by you • imposition of bank service charges Your account’s available balance is our most current record of the amount of money available for your use or withdrawal. We use the available balance to authorize your transactions during the day. Holds placed on your account, including exception and case-by-case holds on deposited items and holds for pending electronic transactions, such as debit card purchases and hotel or rental car deposits, reduce your available balance. The available balance does not refect every transaction you have initiated or previously authorized. For example, your available balance may not include the following: • Outstanding checks and authorized automatic withdrawals (such as recurring debit card, transfers, and ACH transactions that we have not received for payment or received too close to our nightly processing to include in your available balance). • The fnal amount of a debit card purchase. For example, we may authorize a purchase amount prior to a tip that you add. • Debit card transactions that have been previously authorized but not sent to us for payment from your account generally within 3 business days or up to 30 business days for certain transactions. We must release the transaction authorization hold even though the transaction may be sent for payment from your account at a later date. Processing Order of Transactions We process transactions in the following order: 1. Deposits and credits. 2. Obligated debits such as cashed checks at any Ameris Bank teller line, in-person savings/money market withdrawals, wires or Fed Withholding transactions (in order based on timestamp, but if no timestamp, then debits are posted in order of lowest to highest). 3. ATM/Debit Card Debits (in order based on timestamp). 4. ACH/Electronic Debits (in order based on timestamp, but if no timestamp, then debits are posted in order of lowest to highest). 5. Checks (in order based on sequential check serial number, but if serial number is missing, then processed in order of lowest to highest). TRANSITION GUIDE | 43 Opting Out of Standard Overdraft Practices If you do not want the convenience of our standard overdraft practices, you may call our Customer Care Center at 866.616.6020 to notify us of this preference. Items presented in excess of your available balance will be returned and you will be charged a $35 NSF Return Item fee for each. Customers who receive a Social Security, federal direct deposit, or any other entitlement beneft must opt out if they do not want the bank to apply those funds to pay an overdraft. Your account agreement describes the duties, obligations, and rights of depositors, authorized signatories and the Bank with regard to your deposit accounts. That account agreement is incorporated herein for all purposes as if it were set forth verbatim as to matters not directly addressed by this disclosure. Your account agreement and this disclosure shall be construed so as to minimize conficts between them. The bank’s forbearance from, or delay in, exercising any of the bank’s rights, remedies, privileges, or right to insist on your strict performance of any provisions of your account agreement, this standard overdraft practices disclosure, or any other provision related to your account, shall not be construed to be a current or future waiver of the bank’s rights, remedies or privileges. You and the bank agree that the exclusive remedy and forum for all disputes arising out of standard overdraft practices or you or the bank’s performance there under, except for matters you or Bank take to small claims court, is arbitration by an independent arbitrator pursuant to the applicable rules of the American Arbitration Association, except as prohibited by law. TRUTH IN SAVINGS DISCLOSURES Free Checking No minimum balance requirements. No monthly account price. Please refer to the Miscellaneous Services Pricing Guide for any other fees that may apply to this account. No transaction limitations apply to this account. Lion Share Interest Checking Variable Rate information. As of August 20, 2019, the interest rates and annual percentage yield (APY) on your account are stated below. This interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account.

Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY) 1 Equal to or greater than $0.01 but less than $2,500.00 0.10% 0.10% 2 Equal to or greater than $2,500.00 but less than $50,000.00 0.15% 0.15% 3 Equal to or greater than $50,000.00 but less than $100,000.00 0.15% 0.15% 4 Equal to or greater than $100,000.00 0.20% 0.20% The effect of closing this account: If this account is closed by the owner of the account before interest is credited, accrued interest will not be received. Frequency of compounding and crediting. Interest will be compounded daily and credited to your account monthly. Basis Days: Interest will be based on 365 days. No minimum balance requirements. No monthly account price. Please refer to the Miscellaneous Services Pricing Guide for any other fees that may apply to this account. No transaction limitations apply to this account. Balance computation method. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Advantage Checking Variable Rate information. As of August 20, 2019, the interest rate on your account is 0.10%, with an annual percentage yield (APY) of 0.10%. This interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. Frequency of compounding and crediting. Interest will be compounded daily and credited to your account monthly. Basis Days: Interest will be based on 365 days. The effect of closing this account: If this account is closed by the owner of the account before interest is credited, accrued interest will not be received. Minimum balance requirements. The monthly account price of $20 will not be assessed when the combined total of all related Ameris Bank current personal loan balances and average daily balances (during the statement cycle) within personal deposit accounts is $25,000.00 or greater. Balance computation method. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. The daily balance that we use when calculating interest is the collected balance. That means we only include those funds for which we have actually received payment when we determine the balance on which interest is paid. Accrual on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Fees and charges. Customers who are 62 or older will receive a 25% discount on the monthly account price, if assessed. Please refer to the Miscellaneous Services Pricing Guide for any other fees that may apply to this account. No transaction limitations apply to this account. Additional information regarding your account. You will receive these value added features at any time. No cost for Ameris Bank wallet-style checks; other check styles are available for purchase. An increased daily limit, to $5,000, for signature point of sale transactions made with your debit card, at your request; the option to increase your Ameris Bank CD rate to a posted rate from our current rate sheet once during the term of the CD, at your request; unlimited, no-cost ATM withdrawals at any ATM nationwide; no cost for all incoming domestic wire transfers; free safe deposit box, when available; no charge for purchase of offcial checks; no charge for purchase of gift cards, where available; no minimum balance requirements on a personal savings account when a quarterly $25 scheduled transfer is established from your Ameris Bank checking account. Personal Savings Variable Rate Information: As of August 20, 2019, the interest rate on this account is 0.05%, with an annual percentage yield (APY) of 0.05%. This interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account.

44 | AMERIS BANK Frequency of compounding and crediting interest: Interest will be compounded daily and credited to your account quarterly. Basis Days: Interest will be based on 365 days. The effect of closing this account: If this account is closed by the owner of the account before interest is credited, accrued interest will not be received. Minimum balance requirements. You must maintain a minimum daily balance of $200 in the account each day to obtain the annual percentage yield disclosed. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. A quarterly account price of $11 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $300. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that fgure by the number of days in the period. Balance computation method. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on non-cash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Fees and charges. Customers enrolled in e-statements will receive $2 off the quarterly account price, which will reduce the Personal Savings account quarterly account price to $9, if assessed. Please refer to the Miscellaneous Services Pricing Guide for any other fees that may apply to this account. A Savings Withdrawal Fee of $10 will be charged for each debit transaction in excess of six per quarter. Debit transactions include withdrawals made in person at an Ameris Bank offce or at an ATM, automatic transfer or payment from the account. Although you may receive monthly statements due to electronic transactions or a monthly combined statement, the Savings Withdrawal Fee is based on quarterly activity. This is an activity fee unrelated to the federal transaction limitations. Federal Transaction Limitations: Federal law governs withdrawal transactions from this account. If transactions exceed limits, the account could be reclassifed as non-interest bearing. Federal law limits transfers to another deposit account with Ameris Bank or to a third party to a total of 6 per statement cycle (or 6 per month for quarterly statements). These transfers include: preauthorized agreement, telephone request, check, debit card, draft including online banking transfers and sweep transfers. Withdrawals made in person at an Ameris Bank offce or at an ATM are not subject to these limitations. Minor Savings Variable Rate Information: As of August 20, 2019, the interest rate on this account is 0.05% with an annual percentage yield (APY) of 0.05%. This interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. Frequency of compounding and crediting Interest: Interest will be compounded daily and credited to your account quarterly. Basis Days: Interest will be based on 365 days. The effect of closing this account: If this account is closed by the owner of the account before interest is credited, accrued interest will not be received. Minimum balance requirements: There are no minimum balance requirements applied to this account. Balance computation method. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on non-cash deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Federal Transaction Limitations: Federal law governs withdrawal transactions from this account. And if transactions exceed limits, the account could be reclassifed as non-interest bearing. Federal law limits transfers to another deposit account with Ameris Bank or to a third party to a total of 6 per statement cycle (or 6 per month for quarterly statements). These transfers include: preauthorized agreement, telephone request, check, debit card, draft including online banking transfers and sweep transfers. Withdrawals made in person at an Ameris Bank offce or at an ATM are not subject to these limitations. Additional Terms: This account will automatically convert to a Personal Savings service charge plan when the customer reaches age 19. Personal Money Market Variable Rate information: As of August 20, 2019, the interest rates on this account are stated below. This interest rate and annual percentage yield may change.

Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY) 1 Equal to or greater than $0.00 but less than $2,500.00 0.00% 0.00% 2 Equal to or greater than $2,500.00 but less than $25,000.00 0.05% 0.05% 3 Equal to or greater than $25,000.00 but less than $50,000.00 0.10% 0.10% 4 Equal to or greater than $50,000.00 0.15% 0.15% At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. Frequency of compounding and crediting interest: Interest will be compounded daily and credited to your account monthly. Basis Days: Interest will be based on 365 days. The effect of closing this account: If this account is closed by the owner of the account before interest is credited, accrued interest will not be received. Minimum balance requirements. Statements are generated monthly for this account. A monthly account price of $12 will be imposed if the average daily balance for the statement cycle falls below $3,000 or if the daily balance in the account falls below $1,000 any day of the statement cycle. The average daily balance is calculated by adding the daily balance for each day of the statement cycle and dividing that fgure by the number of days in the statement cycle. Balance computation method. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations. Federal law governs withdrawal transactions from Savings and Money Market accounts. If transactions exceed limits, the account

TRANSITION GUIDE | 45 could be reclassifed as non-interest bearing. Federal law limits transfers to another deposit account with Ameris Bank or to a third party to a total of six (6) per statement cycle (or six (6) per month for quarterly statements). These transfers include: preauthorized agreement, telephone request, check, debit card, draft including online banking transfers and sweep transfers. Withdrawals made in person at an Ameris Bank offce or at an ATM are not subject to these limitations. Fees and Charges. Customers enrolled in e-statements will receive $2 off the monthly account price, which will reduce the Personal Money Market account monthly account price to $10, if assessed. Please refer to the Miscellaneous Services Pricing Guide for any other fees that may apply to this account. An excess debit fee of $10 will be assessed for each transaction in excess of the limits stated in our transaction limitations section of this disclosure. Lion Special Personal Money Market Variable Rate Information: As of August 20, 2019, the interest rates on this account are stated below. This interest rate and annual percentage yield (APY) may change.

Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY) 1 Equal to or greater than $0.01 but less than $25,000.00 1.10% 1.11% 2 Equal to or greater than $25,000.00 but less than $50,000.00 1.10% 1.11% 3 Equal to or greater than $50,000.00 but less than $100,000.00 1.10% 1.11% 4 Equal to or greater than $100,000.00 but less than $250,000.00 1.10% 1.11% 5 Equal to or greater than $250,000.00 1.10% 1.11% At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. The effect of closing this account: If this account is closed by the owner of the account before interest is credited, accrued interest will not be received. Minimum balance requirements. Statements are generated monthly for this account. A monthly account price of $6 will be imposed each statement cycle if the daily balance in the account falls below $1,000 any day of the statement cycle. Balance computation method. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations. Federal law governs withdrawal transactions from Savings and Money Market accounts. If transactions exceed limits, the account could be reclassifed as non-interest bearing. Federal law limits transfers to another deposit account with Ameris Bank or to a third party to a total of six (6) per statement cycle (or six (6) per month for quarterly statements). These transfers include: preauthorized agreement, telephone request, check, debit card, draft including online banking transfers and sweep transfers. Withdrawals made in person at an Ameris Bank offce or at an ATM are not subject to these limitations. Fees and Charges. Customers enrolled in e-statements will receive $2 off the monthly account price, which will reduce the Lion Special Personal Money market account monthly account price to $4, if assessed. Please refer to the Miscellaneous Services Pricing Guide for any other fees that may apply to this account. An excess debit fee of $10 will be assessed for each transaction in excess of the limits stated in our transaction limitations section of this disclosure. Premium Personal Money Market Variable rate information: As of August 20, 2019, the interest rates on this account are stated below. This interest rate and annual percentage yield (APY) may change.

Tier Daily Balance Range Interest Rate Annual Percentage Yield (APY) 1 Equal to or greater than $0.01 but less than $25,000.00 1.35% 1.36% 2 Equal to or greater than $25,000.00 but less than $50,000.00 1.35% 1.36% 3 Equal to or greater than $50,000.00 but less than $100,000.00 1.35% 1.36% 4 Equal to or greater than $100,000.00 but less than $250,000.00 1.35% 1.36% 5 Equal to or greater than $250,000.00 1.35% 1.36% At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. The effect of closing this account: If this account is closed by the owner of the account before interest is credited, accrued interest will not be received. Minimum balance requirements. Statements are generated monthly for this account. A monthly account price of $6 will be imposed each statement cycle if the daily balance in the account falls below $1,000 any day of the statement cycle. Balance computation method. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual on noncash deposits. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations. Federal law governs withdrawal transactions from Savings and Money Market accounts. If transactions exceed limits, the account could be reclassifed as non-interest bearing. Federal law limits transfers to another deposit account with Ameris Bank or to a third party to a total of 6 per statement cycle (or 6 per month for quarterly statements). These transfers include: preauthorized agreement, telephone request, check, debit card, draft including online banking transfers and sweep transfers. Withdrawals made in person at an Ameris Bank offce or at an ATM are not subject to these limitations. Fees and Charges. Customers enrolled in e-statements will receive $2 off the monthly account price, which will reduce the Premium Personal Money market account monthly account price to $4, if assessed. Please refer to the Miscellaneous Services Pricing Guide for any other fees that may apply to

46 | AMERIS BANK this account. An excess debit fee of $10 will be assessed for each transaction in excess of the limits stated in our transaction limitations section of this disclosure. PERSONAL CHECKING ACCOUNT HOLDERS – SUBACCOUNT ORGANIZATION Ameris Bank organized your account in a nontraditional way. Your account consists of two subaccounts. One of these accounts is a transaction subaccount (e.g. a checking subaccount). You will transact business on this account. The other is a non-transaction subaccount (e.g. a savings account). You cannot directly access the non-transaction subaccount, but you agree that we may automatically, and without a specifc request from you, initiate individual transfers of funds between subaccounts from time to time at no cost to you. This account organization will not change the amount of federal deposit insurance available to you, your available balance, the information on your periodic statements, or the interest calculation, if your account is an interest-bearing account. You will not see any difference between the way your account operates and the way a traditionally organized account operates, but this organization makes us more effcient and helps to keep costs down. Please reference page 43 for processing order details. NOTICE OF CHANGE TO THE TERMS OF CD AND IRA ACCOUNTS We offer a variety of Certifcates of Deposit terms, ranging from one month to fve years. You can open a CD for a minimum of $1,000 (IRA CDs can be opened for a minimum of $100), and the CD can be set up to renew automatically. This fexibility allows you to choose a maturity date that will best meet your needs. Frequency of Compounding and Crediting of Interest: Interest will be compounded daily and credited to your account quarterly or, if applicable, according to the payment plan you select. Method Used to Calculate Interest: Ameris Bank uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal balance in the account each day. Basis Days: Interest will be based on 365 days. When Interest Begins to Accrue on Noncash Deposits: Interest begins to accrue no later than the business day the deposit of noncash items (e.g., checks) is received. Transaction Limitations - Withdrawals: You may not withdraw principal prior to maturity without penalty; however, you may withdraw interest that has been credited to your account without penalty. The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. If you close your account before interest is credited, you will not receive the accrued interest. Transaction Limitations – Additional Deposits: You may deposit additional funds to your account only if you have an IRA, CD, or a Coverdell Education Savings Account. You may not deposit additional funds to any other type of CD, and the renewal interest rate and terms will apply only to funds on deposit in the account at the time of renewal. Note: This may refect a change to the prior terms of your account. Early Withdrawal Penalties: The penalty below will be imposed if you withdraw any of the principal prior to the maturity date. This penalty may be waived if the withdrawal occurs because of death or incapacity of the owner. If the account is an IRA CD, you should review your IRA plan disclosures for other terms. The fee will be deducted from interest payable on the amount withdrawn, whether earned or not. CD Terms and Penalty Amount: • CD’s with terms equal to or less than 3 months → 1 month’s interest • CD’s with terms greater than 3 months and equal to or less than 1 Year → 3 month’s interest • CD’s with terms greater than 1 Year → 6 month’s interest Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information. Renewal Policy: Your account will automatically renew at maturity. You will have a grace period of ten calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. YOUR ABILITY TO WITHDRAW FUNDS AT AMERIS BANK Our policy is to make funds from your deposits available to you on the frst business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If you make a deposit before 7:00 PM (ET) (6:00 PM Central) on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 7:00 PM (ET) (6:00 PM Central) or on a day we are not open, we will consider that the deposit was made on the next business day we are open. The cut-off will be the end of the banking day for offces that close earlier than the above stated cut-off times. If you make a deposit at an ATM that we own before the displayed ATM cut-off time on a business day that we are open, we will consider that day to be the day of your deposit. However if you make a deposit at an ATM that we own after the displayed ATM cut-off time or on a day we are not open, we will consider the deposit was made on the next business day we are open. Not all ATMs that we own accept deposits. All ATMs that we own or operate are identifed as our machines. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the frst business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the frst $200 of your deposits will be available on the frst business day. If we are not going to make all of the funds from your deposit available on the frst business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. TRANSITION GUIDE | 47 Special Rules for New Accounts If you are a new customer, the following special rules will apply during the frst 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the frst $5,000 of a day’s total deposits of cashier’s, certifed, teller’s, traveler’s and federal, state and local government checks will be available on the frst business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than U.S. Treasury checks) is not made in person to one of our employees, the frst $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the tenth business day after the day of your deposit. DORMANCY PARAMETERS Dormant status is after 12 months of inactivity or no contact for checking and savings accounts. ELECTRONIC FUNDS TRANSFER DISCLOSURE For purposes of this disclosure the terms “we”, “us” and “our” refer to Ameris Bank. The terms “you” and “your” refer to the recipient of this disclosure. The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your Debit Card (hereinafter referred to collectively as “Debit Card”) at automated teller machines (ATMs) and any networks described below. This disclosure contains important information about your use of EFT services provided by Ameris Bank in relation to accounts established primarily for personal, family or household purposes. Please read this document carefully and retain it for future reference. Defnition of Business Day: Business days are Monday through Friday excluding holidays. Electronic Fund Transfer Services Provided • Debit Card Services: The services available through use of your debit card are described below. • You may withdraw cash from your checking account(s), savings account(s), money market account(s), and Negotiable Order of Withdrawal (NOW) account(s). • You may make deposits into your checking account(s), savings account(s), money market account(s), and NOW account(s). • You may transfer funds between your checking and savings accounts, checking and money marketing accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts. • You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and NOW account(s). • You may use your card at any merchant that accepts Visa® debit cards for the purchase of goods and services. • Pin-less Debit Transactions - Visa®. When you use your card on the VISA network(s) the transaction may be processed as a debit transaction without requiring PIN authentication (“PIN- less”). Transactions that are completed as PIN-less debit transaction will not be processed by Visa® and may post to your account as an ATM or Debit transaction rather than a Visa® purchase. The provisions of the Visa® cardholder agreement that relate only to Visa® transactions are not applicable to non-Visa® transactions. Transactions completed as PIN-less debit transactions include, but may not be limited to, government payments, utilities, and property management fees. Your card may also be used to obtain cash from your designated account at participating fnancial institutions when so authorized under the terms of your Account Agreement. ATM Services: • Network: Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specifc ATM or network may not perform or permit all of the above transactions. • You may access your Debit Card through the following network(s): NYCE, Cirrus, MasterCard, Plus, VISA. • ATM Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Point of Sale Transactions: Listed below is the card you may use to purchase goods and services from merchants that have arranged to accept your card as a means of payment (these merchants are referred to as “Participating Merchants”). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your card, including any purchase where you receive cash, are referred to as “Point of Sale” transactions and will cause your “designated account” to be debited for the amount of the purchase. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for any Point of Sale transaction. We may, but do not have to, allow transactions which exceed your available account balance or, if applicable, your available overdraft protection. If we do, you agree to pay the overdraft. The following card and the corresponding designated account(s) may be used for Point of Sale transaction: • Debit Card: Checking, Savings, Money Market, NOW. Currency Conversion - Visa®: When you use your VISA Check Card at a merchant that settles in currency other than US dollars, the change will be converted into US dollar amount. The currency rate used to determine the transaction amount in US dollars is either a government-mandated rate or the wholesale market rate in effect the day before the processing date, increased by 1%. Services Provided through Use of Telephone Banking: You may perform the following functions through use of telephone banking: • You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts. • You may make balance inquiries on your checking account(s), savings account(s), money market account(s), NOW account(s), Time Deposit, and Loan Account. • In addition, you may perform other transactions such as mobile banking. • Transfers from checking to savings • Transfers from savings to checking • Transfers from Money Market to checking or savings

48 | AMERIS BANK • Transfers from checking or savings to Money Market • Transfer funds from Line of Credit to checking account with loan offcer approval • Make payments from checking to loan accounts with Ameris Bank • Make payments from checking account to payees through online bill payment • Utilize a smartphone to make deposits via remote capture of items • Balance Inquiries on all owned accounts • You may change your PIN via the telephone. Preauthorized Transfer Services: • You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), and NOW account(s). • You may arrange for the preauthorized automatic payment of bills from your checking account(s), savings account(s), money market account(s), and NOW account(s). Services Provided through Use of Internet Banking. Ameris Bank offers its customers use of our Internet Banking service. • Transfers from checking to savings • Transfers from savings to checking • Transfers from Money Market to checking or savings • Transfers from checking or savings to Money Market • Transfer funds from Line of Credit to checking account with loan offcer approval • Make payments from checking to Loan Accounts with Ameris Bank • Make payments from checking account to payees through online bill payments Balance Inquires on all owned accounts. Electronic Check Conversion: You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from you check to pay for purchases or to pay bills. Limitations on Transactions Transaction Limitations – Debit Card: • Cash Withdrawal Limitations: You may withdraw up to $500.00 through use of ATMs in any one day. • Point of Sale Limitations: You may buy up to $1,000.00 worth of goods or services in any one day through use of our Point of Sale service. Other Withdrawal Limitations: You may not exceed more than $2,500.00 in transactions per day using your check card in a signature-based transaction. Other Limitations: We reserve the right to impose limitations for security purposes at any time. Limits on Transfers from Certain Accounts: Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six such transactions from each money market and/or savings type accounts(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone or computer. Notice of Rights and Responsibilities The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below. Right to Receive Documentation of Your Transfers: • Transaction Receipts: Depending on the locations of an ATM, you may not be given the option to receive a receipt if your transaction is $15.00 or less. Upon completing a transaction of more than $15.00, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your Debit Card at a Participating Merchant. If the transaction is $15.00 or less, the Participating Merchant is not required to provide a receipt. • Periodic Statements: If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transaction, in which case you will receive a monthly statement. In any case, you will receive your statement at least quarterly. • Preauthorized Deposits: If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 866-616-6020 to fnd out whether or not the deposit has been made. Using Your Card and Personal Identifcation Number (“PIN”): In order to assist us in maintaining the security of your account and the terminals, the Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks suffcient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, change or credit the transaction to another account; you agree to pay us the amount of the improper withdrawal or transfer upon request. Certain transactions involving your Debit Card require use of your PIN. You PIN is used to identify you as an authorized user. Because the PIN is used for identifcation purposes, you agree to notify Ameris Bank immediately if your Debit Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your Debit Card or to write your PIN on your Debit Card or on any other item kept with your Debit Card. We have the right to refuse a transaction on your account when your Debit Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account. The security of your account depends upon your maintaining possession of your Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN at an ATM.

TRANSITION GUIDE | 49 Rights Regarding Preauthorized Transfers: Rights and Procedures to Stop Payments – If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at 866-616-6020 or write to: Ameris Bank Attn: Customer Service Center PO Box 3668 Moultrie, GA 31776-3668 A stop payment fee of $35.00 will be incurred for each stop payment processed. We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after you call. Notice of Varying Amounts: If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notifed by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. Our Liability for Failure to Stop Preauthorized Transfer Payments: least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages. Your Responsibility to Notify Us of Loss or Theft: If you believe your Debit Card or PIN or internet banking access code has been lost or stolen, call us at: 866-616-6020 (anytime for debit cards) or write to: Ameris Bank Attn: Electronic Banking PO Box 3668 Moultrie, GA 31776-3668 For Lost or Stolen Online Banking Credentials call 866-616-6020, Monday-Saturday 8:00 am-10:00 pm (ET); Sunday 12:00 pm-8:00 pm (ET). You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. Consumer Liability: Tell us at once if you believe your Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft your Debit Card or PIN you can lose no more than ffty dollars ($50) if someone used your Debit Card or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft or your Debit Card or PIN and we can prove we could have stopped someone from using your Debit Card or PIN without your permission if you had given us notice, you can lose as much as fve hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you give us the notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods. Consumer Liability for Unauthorized Transactions Involving Debit Cards: The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions processed on the Visa® or Plus Network. If you notify us about an unauthorized transaction involving your card with the Visa® logo and the unauthorized transaction took place on the Visa® or Plus Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of our liability for such unauthorized transaction if we reasonable determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your card with the Visa® logo. The zero liability provisions do not apply to PIN-based or PIN-less debit transaction not processed by the Visa® or Plus Network, including ATM transactions outside of the United States. Your liability for unauthorized transactions with your card with the Visa® logo that involve PIN-based or PIN-less debit transactions not processed by the Visa® or Plus Network, including ATM transactions, are described under “Consumer Liability” above. In Case of Errors or Questions about Your Transactions: In case of errors or questions about your electronic fund transfers, call us at 866-616-6020 or write to: Ameris Bank Attn: Electronic Banking Dept PO Box 3668 Moultrie, GA 31776-3668 or use the current information on your most recent account statement. Notifcation should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Ameris Bank no later than 60 days after we sent you the frst statement on which the problem or error appears. You must be prepared to provide the following information: • Your name and account number. • A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you provide oral notice, you may be required to send in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-fve (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your compliant or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the frst thirty (30) days after the frst deposit to the account is made, including those for foreign initiated or Point of Sale transactions. Visa’s® cardholder protection policy requires that we provide provisional credit for losses from unauthorized Visa® Check Card use within fve (5) business days of notifcation of the loss.

50 | AMERIS BANK We will tell you the results within three (3) business days after completing our instigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Liability for Failure to Complete Transactions: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance: • If through no fault of ours, you do not have enough money in your account to make the transfer. • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one. • If the electronic terminal was not working properly and you knew about the breakdown, before you started the transfer. • If circumstances beyond our control (such as fre or food, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. • If we have terminated our agreement with you. • When your Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction. • If we receive inaccurate or incomplete information needed to complete a transaction. • In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer. • If the funds in the account are subject to legal action preventing a transfer to or from your account. • If the electronic terminal does not have enough cash to complete the transaction. • There may be other exceptions provided by applicable law. Charges for Transfers or the Right to Make Transfers: We reserve the right to impose a fee and to change fees upon notice to you. There will be a fee for expedited Debit cards and/or PINS. The fees are: 1. Expedited card only: $63.62 2. Expedited PIN only: $35.76 3. Expedited card and PIN: $99.38 Disclosure of Account Information: We will disclose information to third parties about your account or electronic fund transfers made to your account: 1. Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or 2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or 3. In order to comply with government agency or court orders; or 4. If you give us your permission in a record or writing. Notice of ATM Safety Precautions Safety Precautions for ATM Terminal Usage: Please keep in mind the following basic safety tips whenever you use an ATM. • Have your Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose. • If you are new to ATM usage, use machines close to or inside a fnancial institution until you become comfortable and can conduct your usage quickly. • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction. • Do not use ATMs at night unless the area and machine are well- lighted. If the lights are out, go to a different location. • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around. • When using the machine, stand so you block anyone else’s view from behind. • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors. • Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place and reconcile it to your receipt then. • Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location. Additional Provisions Your account is also governed by the terms and conditions of other applicable agreements between you and Ameris Bank. Advisory Against Illegal Use: You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

TRANSITION GUIDE | 51 MISCELLANEOUS SERVICES PRICING GUIDE The following fees may be assessed at the time of service. ACCOUNT ASSISTANCE Account Balancing Assistance (per hour) ...... $25.00 Account Research Copies (per page) ...... $2.00 Account Research (per hour) ...... $25.00 Garnishments and Levies ...... $100.00 Account Activity/Statement Print Out ...... $5.00 Check Copies ...... $2.00 Copies of 1099/1098 ...... $5.00 Return Statement Due to Undeliverable Address (one-time charge) ...... $5.00 Special Statement Cutoff ...... $5.00 Statement Copies ...... $5.00 ACCOUNT SERVICING Bond Coupons Redeemed or Purchased (per bond coupon) ...... $5.00 Collections – Domestic Collections ...... $30.00 Collections – International Collections ...... $50.00 Coin Cointer Fee for Customers - Up to $100 in coin...... $0.00 Coin Counter Fee for Customers - More than $100 in coin ...... 10% of total coin amount Deposit Items Returned Unpaid (Returned/NSF per item fee) ...... $11.00 Electronic Expedited Payment...... $10.95 Check Expedited Payment ...... $15.95 Health Savings Account Setup ...... $25.00 International ACH ...... $5.00 IRA Closing and IRA Transfer ...... $25.00 New Account Closing within 90 Days ...... $30.00 Non-Suffcient Funds Fee1 (NSF or overdraft fee) ...... $35.00 Extended Overdraft Fee2...... $35.00 Transfer Charge3 (Per transfer for overdraft protection or target balance) ...... $10.00 Stop Payment or Lost Checkbook Watch (stop payments are effective for six months)...... $35.00 Telephone Transfer...... $5.00 Paper Statement Fee4 ...... $2.00 ATM/DEBIT CARD SERVICES Foreign ATM Inquiry, Withdrawal, or Transfer ...... $2.00 ATM or Debit Card Replacement ...... $5.00 ATM Mini Statement ...... $0.50 NIGHT DEPOSIT Night Depository Locked Bag ...... $35.00 Night Depository Zipper Bag ...... $5.00 Large Night Depository Zipper Bag...... $10.00 OFFICIAL CHECKS Counter Checks (per 10) ...... $5.00 Offcial Checks – Customer ...... $5.00 SAFE DEPOSIT BOX Lost Key/Rekeying Box ...... $60.00 Duplicate Key ...... $10.00 Safe Deposit Box Drilling ...... $150.00 Safe Deposit Box Late Rental Payment ...... $10.00 WIRE TRANSFERS Domestic Outgoing (Branch Assisted) ...... $35.00 Domestic Outgoing (Business Online Banking) ...... $15.00 Domestic Incoming ...... $20.00 International – Outgoing (Branch Assisted) ...... $45.00 International – Outgoing (Business Online Banking) ...... $25.00 International Incoming ...... $20.00 TREASURY SERVICES: NON-ANALYZED ACCOUNTS Monthly Remote Business Deposit Maintenance Fee (per scanner location) ...... $45.00 ACH Origination Monthly Maintenance Fee...... $35.00 ACH return items ...... $7.00 ACH Template/Upload Transactions (per item) ...... $0.18 ACH Upload File Fee ...... $15.00 CD-ROM Statement (Commercial Accounts only)...... $100.00 Monthly Debit Block (per account)...... $5.00 Monthly Positive Pay (per account ...... $75.00 Positive Pay Issue Items (per item) ...... $0.04 Remote Business Deposit (Scanner Replacement)...... $200.00 Monthly Remote Cash Deposit* (per location) ...... $25.00 Direct Connect ...... $11.95 MSB Fee (Agent)...... $350.00 MSB Fee (Registered) ...... $450.00

1A maximum of 5 NSF charges will be assessed per day on consumer accounts. A NSF fee will not be assessed if the account balance is overdrawn less than $5 per day for consumer accounts. The NSF Fee and OD Fee are imposed for overdrafts created by checks, in-person withdrawals, ATM withdrawals, or by other electronic means, as applicable. 2One-time extended overdraft fee will be charged after account is overdrawn 5 consecutive business days. 3Transfers are made in $50 increments. A $10 fee for each transfer will be assessed to the account sending the funds for overdraft protection or to maintain a target balance in another Ameris Bank account. There is no charge for scheduled automatic transfers. 4Does not apply to Advantage Checking, Public Funds Checking, or IOLTA accounts. *Loomis fees not included.

52 | AMERIS BANK PROTECTING YOUR INFORMATION To best understand the needs of our customers, Ameris Bank may contract with third party service providers to deliver analytics and survey services. Ameris Bank will only provide our third-party service providers with information necessary to conduct the analytical and survey services and will not share personal identifable information. We take your privacy seriously, and our contracts with third party service providers require that they maintain your information, and the information you share through survey responses, with the same high level of confdentiality with which Ameris Bank maintains your information. Please know that Ameris Bank and Ameris Bank’s third-party service providers will never call, text or email you asking you to provide confdential or personal identifable information, such as date of birth, social security number, tax identifcation number, account and loan number, debit card number and electronic banking credentials. We will only attempt to collect information and feedback that is reasonably necessary to fulfll the identifed purpose, understanding that it is always your choice to provide us with information and feedback. To enhance the overall customer experience, Ameris Bank may share information we obtain through survey services with companies that provide support services to us or help us market our products and services.

PRIVACY NOTICE

WHAT DOES AMERIS BANK DO FACTS WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers Why? the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with What? us. This information can include: • Social Security Number and income • Account balances and payment history • Credit history and transaction history When you are no longer our customer, we continue to share your information as described in this notice.

All fnancial companies need to share customers’ personal information to run their everyday business. How? In the section below, we list the reasons fnancial companies can share their customers’ personal information; the reasons Ameris Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Ameris Bank Share? Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain YES NO your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes— YES NO to offer our products and services to you

For joint marketing with other fnancial companies YES NO

For our affliates’ everyday business purposes— NO WE DON’T SHARE information about your transactions and experiences

For our affliates’ everyday business purposes— NO WE DON’T SHARE information about your creditworthiness

For non-affliates to market to you NO WE DON’T SHARE

Questions? Call 866.616.6020 or go to amerisbank.com.

TRANSITION GUIDE | 53 Page 2

What we do How does Ameris Bank To protect your personal information from unauthorized access and use, we use protect my personal security measures that comply with federal law. These measures include computer information? safeguards and secured fles and buildings. How does Ameris Bank collect We collect your personal information, for example, when you my personal information? • open an account or deposit money • pay your bills or apply for a loan • use your credit or debit card We also collect your personal information from others such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • sharing for affliates’ everyday business purposes – information about your creditworthiness • affliates from using your information to market to you • sharing for non-affliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Defnitions Affliates Companies related by common ownership or control. They can be fnancial and nonfnancial companies. • Ameris Bank does not share with our affliates. Nonaffliates Companies not related by common ownership or control. They can be fnancial and nonfnancial companies. • Ameris Bank does not share with non-affliates so they can market to you.

Joint Marketing A formal agreement between nonaffliated fnancial companies that together market fnancial products or services to you. • Our joint marketing partners include credit card companies, securities broker- dealers and insurance companies.

54 | AMERIS BANK Let’s Connect Talk Sometimes you just want to speak to a human. We get it. Our Customer Service Center is a phone call away. Located within our Southeastern footprint, this is a team of skilled banking professionals ready to assist you. Call 866.616.6020 Monday – Friday: 7:00 AM – 11:00 PM (ET) Saturday: 7:00 AM – 8:00 PM (ET) Sunday: 8:00 AM – 8:00 PM (ET) Read Visit amerisbank.com/WelcomeFidelityBank for information and details about the transition to Ameris Bank. Visit You will have access to nearly 300 Ameris Bank locations across the Southeast. Visit amerisbank.com/locations for hours and driving directions.

TRANSITION GUIDE | 55 56 | AMERIS BANK