EX-4.2



 Exhibit 4.2 

FIRST SUPPLEMENTAL INDENTURE 

THIS FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”) is dated as of June 30, 2014, by and between Ameris Bancorp,
a Georgia (“Ameris”), and Wells Fargo Bank, National Association, a national banking association (the “Trustee”). 

RECITALS 
 WHEREAS,
Coastal Bankshares, Inc., a Georgia corporation (“Coastal”), and the Trustee entered into an Indenture dated as of August 27, 2003 (the “Indenture”), pursuant to which the Junior Subordinated Debt Securities due
October 7, 2033 (the “Debt Securities”) have been issued by Coastal; and 
 WHEREAS, on the date of this Supplemental
Indenture, Coastal has been merged with and into Ameris, with Ameris being the surviving corporation (the “Merger”), whereupon the separate corporate existence of Coastal has ceased; and 

WHEREAS, Section 11.01 of the Indenture requires that Ameris expressly assume, by a supplemental indenture executed and delivered to the
Trustee by Ameris, the due and punctual payment of the principal of (and premium, if any) and the interest on all of the Debt Securities in accordance with their terms, and the due and punctual performance and observance of all the covenants and
conditions of the Indenture to be kept or performed by Coastal; and 
 WHEREAS, Section 9.01(a) of the Indenture authorizes, without
the consent of any Securityholders, the execution of a supplemental indenture to evidence the succession of another corporation to Coastal, and the assumption by any such successor of the covenants, agreements, and obligations of Coastal under the
Indenture; and 
 WHEREAS, Coastal has delivered to the Trustee an Officers’ Certificate stating that the Merger and this Supplemental
Indenture comply with Article IX of the Indenture and that all conditions precedent therein provided for relating to the Merger have been complied with, and an Opinion of Counsel to the same effect; and 

WHEREAS, capitalized terms used and not otherwise defined herein shall have the respective meanings assigned to such terms in the Indenture.

 NOW, THEREFORE, in compliance with Section 11.01 of the Indenture, and in consideration of the covenants contained herein and
intending to be legally bound hereby, Ameris and the Trustee, for the benefit of the Securityholders, agree as follows: 
 1. Assumption
of Payment and Performance. Ameris hereby expressly assumes the due and punctual payment of the principal of (and premium, if any) and interest on all of the Debt Securities and the due and punctual performance and observance of all of the
covenants and conditions of the Indenture on the part of Coastal to be performed or observed. 
 2. Effect of Supplemental Indenture.
Upon the execution of this Supplemental Indenture, (i) the Indenture has been and hereby is modified in accordance herewith; (ii) this Supplemental Indenture forms a part of the Indenture for all purposes; (iii) except as modified and
amended by this Supplemental Indenture, the Indenture shall continue in full force and effect; (iv) the Debt Securities shall continue to be governed by the Indenture; and (v) every Securityholder heretofore or hereafter under the
Indenture shall be bound by this Supplemental Indenture. 







 3. Notation on Debt Securities. Debt Securities authenticated and delivered on or after
the date hereof shall bear the following notation, which may be printed or typewritten thereon: 
 “Effective June 30, 2014,
Coastal Bankshares, Inc., a Georgia corporation (“Coastal”), was merged with and into Ameris Bancorp, a Georgia corporation (“Ameris”). Pursuant to the First Supplemental Indenture, dated as of June 30, 2014, Ameris has
assumed the obligations of Coastal and the performance of every covenant and condition of the Indenture on the part of Coastal to be performed or observed.” 

If Ameris shall so determine, new Debt Securities so modified as to conform to the Indenture as hereby supplemented, in form satisfactory to the Trustee, may
at any time hereafter be prepared and executed by Ameris and, upon receipt of a written order from Ameris, authenticated and delivered by the Trustee or the Authenticating Agent in exchange for the Debt Securities then outstanding, and thereafter
the notation herein provided shall no longer be required. Anything herein or in the Indenture to the contrary notwithstanding, the failure to affix the notation herein provided as to any Debt Security or to exchange any Debt Security for a new Debt
Security modified as herein provided shall not affect any of the rights of the holder of such Debt Security. 
 4. The Trustee. The
Trustee shall not be responsible in any manner whatsoever for or in respect of the validity or sufficiency of this Supplemental Indenture or for or in respect of the recitals contained herein, all of which recitals are made solely by Ameris. 

5. Governing Law. This Supplemental Indenture shall be governed by and construed in accordance with the laws of the State of New York,
without regard to conflict of law principles thereof. 
 6. Successors and Assigns. This Supplemental Indenture shall be binding upon
and inure to the benefit of and be enforceable by the respective successors and assigns of the parties hereto and the holders of any Debt Securities then outstanding. 

7. Headings. The headings used in this Supplemental Indenture are inserted for convenience only and shall not in any way affect the
meaning or construction of any provision of this Supplemental Indenture. 
 8. Counterparts. This Supplemental Indenture may be
executed in several counterparts, each of which shall be an original and all of which shall constitute one and the same instrument. 

[Signature page follows.] 

  
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 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly
executed by their respective officers thereunto duly authorized, as of the day and year first above written. 
  

			
	AMERIS BANCORP
		
	By:	 	/s/ Edwin W. Hortman, Jr.
		 	Edwin W. Hortman, Jr.
		 	President and Chief Executive Officer
	
	WELLS FARGO BANK,
	NATIONAL ASSOCIATION, as Trustee
		
	By:	 	/s/ Amy L. Martin
		 	Name: Amy L. Martin
		 	Title: Vice President



  
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