Document:

EX-10.1

 Exhibit 10.1 

FIRST AMENDMENT TO LOAN AGREEMENT 

THIS FIRST AMENDMENT TO LOAN AGREEMENT (this “Amendment”) is entered into as of September 26, 2014 (the
“Amendment Date”), between AMERIS BANCORP, a Georgia corporation (“Borrower”), and NEXBANK SSB (“Lender”). 

R E C I T A L S 

A. Borrower and Lender are parties to that certain Loan Agreement dated as of August 28, 2013 (as it may be further amended, modified,
supplemented, restated or amended and restated from time to time, the “Loan Agreement”). Unless otherwise indicated herein, all terms used with their initial letter capitalized are used herein with their meaning as defined in
the Loan Agreement and all Section references are to Sections in the Loan Agreement. 
 B. Borrower has requested that Lender amend the Loan
Agreement and Note to, among other things, (i) increase the Commitment, (ii) extend the Maturity Date, and (iii) decrease the Note Rate. 

C. Borrower and Lender desire to amend the Loan Documents, subject to the terms, conditions, and representations set forth herein, as
requested by Borrower. 
 D. Borrower and Lender agree to the other terms and provisions provided below, subject to the terms, conditions,
and representations set forth herein. 
 NOW, THEREFORE, in consideration of these premises and other valuable consideration, the receipt
and adequacy of which are hereby acknowledged, the parties hereto agree, as follows: 
  

	1.	Amendments to Loan Agreement. Subject to the satisfaction of the conditions set forth herein, the Loan Agreement is amended as follows: 

(a) Section A of the Recitals is hereby amended and restated in its entirety to read as follows: 

A. Borrower has applied to Lender for a revolving loan in the amount of up to $40,000,000, and Lender is willing to make the Loan on the terms
and conditions hereinafter set forth. 
 (b) The following definitions in Section 2.1 of the Loan Agreement are hereby amended
and restated in their entirety to read as follows: 
 Commitment: The obligation of Lender to make Revolving Credit Advances
pursuant to Section 4.1 in an aggregate principal amount at any time outstanding up to but not exceeding $40,000,000, subject, however, to termination pursuant to Article XVI. 

Fixed Charge Coverage Ratio: With respect to the Borrower, the ratio as of the last day of any fiscal quarter of (a) EBIDA to
(b) Fixed Charges, all for the four fiscal quarter period ending on such date. 
 Interest Expense: For any period, total
interest expense of Borrower (including that portion attributable to Capital Lease Obligations), premium payments, debt discount, fees and related expenses with respect to all outstanding Indebtedness of Borrower, related to direct obligations of
Borrower. 
 Maturity Date: September 26, 2017. 

  

					
		 		 	First Amendment

 Net Income: For any period, the net income of Borrower and its Subsidiaries determined on
a consolidated basis in accordance with GAAP. 
 Note Rate: A rate per annum equal to the sum of (a) LIBOR for the then-current
LIBOR Reset Period plus (b) 350 basis points (3.5%). 
 (c) Section 2.1 of the Loan Agreement is hereby amended to
insert the following definitions in appropriate alphabetical order to read in their entirety as follows: 
 EBIDA: For any period,
Net Income for such period, plus, without duplication and to the extent deducted in calculating Net Income for such period, the sum of (a) Interest Expense for such period, (b) the amount of depreciation and amortization expense
deducted in determining Net Income, (c) any extraordinary or non-recurring items reducing Net Income for such period, (d) losses on the sale of securities, and (e) any non-cash items reducing Net Income for such period, minus
(i) gains on the sale of any securities, (ii) any extraordinary or non-recurring items increasing Net Income for such period and (iii) any non-cash items increasing Net Income for such period. 

Fixed Charges: For any period, the sum, without duplication, of the amounts determined for Borrower equal to (a) Interest Expense
and (b) scheduled payments of principal on Total Debt. 
 Total Debt: As of any date of determination, the aggregate stated
balance sheet amount of all Indebtedness related to direct obligations of Borrower determined in accordance with GAAP. 
 (d)
Section 2.1 of the Loan Agreement is hereby amended to delete the definitions of “Adjusted EBITDA”, “Capital Expenditures”, “Consolidated Capital Expenditures”, “Consolidated
Fixed Charges”, “Consolidated Total Debt”, “Depository Account”, “EBITDA” and “Permitted Tax Distributions”. 

(e) Section 4.1(d) of the Loan Agreement is hereby amended and restated in its entirety to read as follows: 

(d) [Intentionally Omitted.] 

(f) Section 10.8 of the Loan Agreement is hereby amended and restated in its entirety to read as follows: 

10.8 [Intentionally Omitted.] 

(g) Exhibit A of the Loan Agreement is hereby amended and restated in its entirety to read as set forth on Exhibit A
attached to this Amendment. 
  

	2.	Conditions Precedent. Notwithstanding any contrary provision, this Amendment shall be effective on the first Business Day upon which all of the following conditions precedent have been satisfied (the
“Effective Date”): 

 (a) Lender shall have received counterparts of this Amendment executed by
Borrower, Lender, and each other party set forth on the signature pages hereto; 

  

					
		 	2	 	First Amendment

 (b) Lender shall have received the Amended and Restated Revolving Promissory Note dated as of the
Effective Date in the original principal amount of $40,000,000 executed by Borrower and payable to the order of Lender (the “Amended and Restated Note”); 

(c) Lender shall have received satisfactory evidence that the representations and warranties contained in the Loan Agreement and in the other
Loan Documents shall be true and correct in all material respects on and as of the Effective Date to the same extent as though made on and as of that date, except to the extent such representations and warranties specifically relate to an earlier
date, in which case such representations and warranties shall have been true and correct in all material respects on and as of such earlier date; 

(d) Lender shall have received satisfactory evidence that Borrower has paid the fees and expenses of counsel described in
Section 5 hereof and Article VII of the Loan Agreement; 
 (e) No Default or Event of Default shall have occurred
and be continuing or shall result after giving effect to this Amendment or the Amended and Restated Note; 
 (f) Lender shall have received
an officer’s certificate, together with all attachments and exhibits thereto, duly executed and delivered by a duly authorized officer of the Borrower; 

(g) Lender shall have received a favorable written opinion of Rogers & Hardin LLP, counsel to Borrower, covering such matters as the
Lender may reasonably request (and the Borrower hereby instructs such counsel to deliver such opinions to the Lender); and 
 (h) Lender
shall have received such other instruments and documents incidental and appropriate to the transactions provided for herein as Lender or its counsel may reasonably request, and all such documents shall be in form and substance satisfactory to Lender
(it being agreed that execution of this Amendment by Lender shall evidence that the foregoing conditions have been fulfilled). 
  

	3.	Reaffirmation of Loan Documents and Liens. Except as amended and modified hereby, any and all of the terms and provisions of the Loan Agreement and the other Loan Documents shall remain in full force and effect
and are hereby in all respects ratified and confirmed by Borrower. Borrower hereby agrees that, except as expressly provided in this Amendment, the amendments and modifications herein contained shall in no manner affect or impair the liabilities,
duties and obligations of Borrower under the Loan Agreement and the other Loan Documents or the Liens securing the payment and performance thereof. Borrower further confirms that the liens and security interests in the Collateral created under the
Loan Documents secure, among other indebtedness, Borrower’s obligations under the Loan Documents, and all modifications, amendments, renewals, extensions, and restatements thereof. 

 

	4.	 Representations and Warranties. As a material inducement for Lender to enter into this Amendment, Borrower hereby represents and
warrants to Lender (with the knowledge and intent that Lender is relying upon the same in consenting to this Amendment) that as of the Effective Date, and after giving effect to the transactions contemplated by this Amendment: (a) all
representations and warranties in the Loan Agreement and in all other Loan Documents are true and correct in all material respects, as though made on the date hereof, except to the extent that (i) any of them speak to a different
specific date or may have otherwise been made inaccurate by the mere passage of time; or (ii) the facts or circumstances on which any of them were based have been changed by transactions or events not prohibited by the Loan Documents;
(b) no Default or Event of Default exists under the Loan Documents or will exist after giving effect to this Amendment; (c) this Amendment has been duly authorized and approved by all necessary organizational action and requires the
consent of no 

  

					
		 	3	 	First Amendment

	 	
other Person, and is binding and enforceable against Borrower in accordance with its terms; and (d) the execution, delivery and performance of this Amendment in accordance with its terms,
does not and will not, by the passage of time, the giving of notice, or otherwise: (i) require any governmental approval, other than such as have been obtained and are in full force and effect, or violate any applicable law relating to
Borrower; (ii) conflict with, result in a breach of, or constitute a default under the Constituent Documents of Borrower thereof, or any indenture, agreement, or other instrument to which Borrower is a party or by which it or any of its
properties may be bound; or (iii) result in or require the creation or imposition of any Lien upon or with respect to any property now owned or hereafter acquired by Borrower. 

 

	5.	Costs and Expenses. Borrower agrees to pay promptly the reasonable fees and expenses of counsel to Lender for services rendered in connection with the preparation, negotiation, reproduction, execution and
delivery of this Amendment and all related documents. 

  

	6.	Miscellaneous. 

  

	 	(a)	This Amendment and the Amended and Restated Note shall be deemed to constitute a Loan Document for all purposes and in all respects. Each reference in the Loan Agreement to “this Agreement,”
“hereunder,” “hereof,” “herein” or words of like import, and each reference in the Loan Agreement or in any other Loan Document, or other agreements, documents or other instruments executed and delivered pursuant to the
Loan Agreement to the “Loan Agreement”, shall mean and be a reference to the Loan Agreement as amended by this Amendment. 

  

	 	(b)	The Loan Documents shall remain unchanged and in full force and effect, except as provided in this Amendment and the Amended and Restated Note, and are hereby ratified and confirmed. The execution, delivery, and
effectiveness of this Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power, or remedy of Lender under any Loan Document, nor constitute a waiver under any of the Loan Documents. 

 

	 	(c)	All of the terms and provisions of this Amendment shall bind and inure to the benefit of the parties hereto and their respective successors and assigns. 

 

	 	(d)	This Amendment may be executed in one or more counterparts and by different parties hereto in separate counterparts each of which when so executed and delivered shall be deemed an original, but all such counterparts
together shall constitute but one and the same instrument; signature pages may be detached from multiple separate counterparts and attached to a single counterpart so that all signature pages are physically attached to the same document. Delivery of
photocopies of the signature pages to this Amendment by facsimile or electronic mail shall be effective as delivery of manually executed counterparts of this Amendment. 

 

	 	(e)	THIS AMENDMENT, THE LOAN AGREEMENT, THE AMENDED AND RESTATED NOTE AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS OR ORAL
AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 

  

	 	(f)	The headings, captions and arrangements used in this Amendment are, unless specified otherwise, for convenience only and shall not be deemed to limit, amplify or modify the terms of this Amendment, nor affect the
meaning thereof. 

  

					
		 	4	 	First Amendment

	 	(g)	Any provision of this Amendment held to be invalid, illegal or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such invalidity, illegality or unenforceability without
affecting the validity, legality and enforceability of the remaining provisions hereof; and the invalidity of a particular provision in a particular jurisdiction shall not invalidate such provision in any other jurisdiction. 

 

	 	(h)	This Amendment shall be construed in accordance with and governed by the laws of the State of Texas. 

[Remainder of Page Intentionally Left Blank; Signature Pages Follow.] 

  

					
		 	5	 	First Amendment

 IN WITNESS WHEREOF, the parties hereto have executed this Amendment in multiple counterparts to
be effective as of date first set forth above. 
  

			
	BORROWER:
	
	 AMERIS BANCORP,
 a Georgia
corporation

		
	By:	 	/s/ Edwin W. Hortman, Jr.
		 	 Edwin W. Hortman, Jr.
 President and Chief
Executive Officer

  

					
	Signature Page to First Amendment

 
			
	LENDER:
	
	NEXBANK SSB
		
	By:	 	/s/ Matt Siekielski
		 	 Matt Siekielski,
 Chief Operating
Officer

  

					
	Signature Page to First Amendment

 EXHIBIT A 

Certificate of 
 Compliance 

NexBank SSB 
 2515 McKinney Avenue, Suite 1100 

Dallas, Texas 75201 
 Attn: [—] 
 Re: Loan Agreement dated as of August 28, 2013 (as amended, modified, supplemented, restated, or
renewed, from time to time, the “Agreement”), between AMERIS BANCORP (“Borrower”) and NEXBANK SSB (“Lender”). 

Reference is made to the Agreement. Capitalized terms used in this Certificate (including schedules and other attachments hereto, this
“Certificate”) without definition have the meanings specified in the Agreement. 
 Pursuant to applicable provisions of the Agreement, the
undersigned, being the Authorized Representative designated in the Agreement, hereby certifies to the Lender that the information furnished in the attached schedules, including, without limitation, each of the calculations listed below are true,
correct and complete in all material respects as of the last day of the fiscal periods subject to the financial statements and associated covenants being delivered to the Lender pursuant to the Agreement together with this Certificate (such
statements the “Financial Statements” and the periods covered thereby the “reporting period”) and for such reporting periods. 

The undersigned hereby further certifies to the Lender that: 

1. Borrower’s Compliance with Financial Covenants. As shown below, the Borrower is in full compliance with the Financial Covenants contained in
the Agreement. All covenants are expressed as a percentage. 
 [Note to preparer. The following Financial Covenants are provided as illustration. The
actual Financial Covenants must be obtained from the Agreement] 
  

	A.	Covenant: Leverage Ratio of not less than 7% tested quarterly 

 Calculation: 

Leverage Ratio = Tier 1 Capital / Average Total Assets 

Leverage Ratio of _________ for period ending ______________. 

[Borrower to include specific calculation based upon formula outlined in Agreement] 

Compliance? (Yes or
No)                                         
                                       
_______________________ 

  
 A-1 

	B.	Covenant: Fixed Charge Coverage Ratio of not less than 1.5 to 1.0 tested quarterly 

Calculation: 
 Fixed Charge
Coverage Ratio = EBIDA / Fixed Charges 
 Fixed Charge Coverage Ratio of _________ for period ending ______________. 

[Borrower to include specific calculation based upon formula outlined in Agreement] 

Compliance? (Yes or
No)                                         
                                       
_______________________ 
 2. Bank’s Compliance with Financial Covenants. As shown below, the Bank is in full compliance with the Financial
Covenants contained in the Agreement. All covenants are expressed as a percentage. 
 [Note to preparer. The following Financial Covenants are
provided as illustration. The actual Financial Covenants must be obtained from the Agreement] 
  

	A.	Covenant: Classified Assets to Tier 1 Capital Ratio of no greater than 50% tested quarterly 

Calculation: 
 Classified
Assets to Tier 1 Capital Ratio = Classified Assets / (Tier 1 Capital + Allowance for Loan and Lease Losses) 
 Classified Assets to Tier
1 Capital Ratio of _________ for period ending ______________. 
 [Borrower to include specific calculation based upon formula outlined
in Agreement] 
 Compliance? (Yes or
No)                                         
                                       
_______________________ 
  

	B.	Covenant: Non-Performing Assets to Net Capital Ratio of 40% or less tested quarterly 

Calculation: 
 Non-Performing
Assets to Net Capital Ratio = (Total Non-Accrual Loans + Other Real Estate Owned of such Person) / ((Total Capital + unrealized losses (gains) on securities + Allowance for Loan and Lease Losses) - (Intangible Assets)) 

Non-Performing Assets to Net Capital Ratio of _________ for period ending ______________. 

[Borrower to include specific calculation based upon formula outlined in Agreement] 

Compliance? (Yes or
No)                                         
                                       
_______________________ 

  
 A-2 

	C.	Covenant: Leverage Ratio of not less than 8% tested quarterly 

 Calculation: 

Leverage Ratio = Tier 1 Capital / Average Total Assets 

Leverage Ratio of _________ for period ending ______________. 

[Borrower to include specific calculation based upon formula outlined in Agreement] 

Compliance? (Yes or
No)                                         
                                       
_______________________ 
  

	D.	Covenant: Total Risk-Based Capital Ratio of 12% or greater tested quarterly 

Calculation: 
 Total
Risk-Based Capital Ratio = (Tier 1 Capital + Tier 2 Capital) / Total Risk-Weighted Assets 
 Total Risk-Based Capital Ratio of _________
for period ending ______________. 
 [Borrower to include specific calculation based upon formula outlined in Agreement] 

Compliance? (Yes or
No)                                         
                                       
_______________________ 
 3. Review of Condition. The undersigned has reviewed the terms of the Loan Documents, including, but not limited to, the
representations and warranties of the Borrower set forth in the Loan Documents and the covenants of the Borrower set forth in the Loan Documents, and has made, or caused to be made under his or her supervision, a review in reasonable detail of the
transactions and condition of the Borrower through the reporting periods. 
 4. Representations and Warranties. The representations and warranties of
the Borrower contained in the Loan Documents, including those contained in the Agreement, are true and accurate in all material respects as of the date hereof and were true and accurate in all material respects at all times during the reporting
period except as expressly noted on Schedule A hereto. 
 5. Covenants. During the reporting period, the Borrower observed and performed all
of the respective covenants and other agreements under the Loan Documents, and satisfied each of the conditions contained therein to be observed, performed or satisfied by the Borrower, except as expressly noted on Schedule A hereto. 

6. No Event of Default. No Event of Default exists as of the date hereof or existed at any time during the reporting period, except as expressly noted
on Schedule A hereto. 

  
 A-3 

 IN WITNESS WHEREOF, this Certificate is executed by the undersigned this ___ day of ___________.

  

			
	[—]
		
	By:	 	 
		 	Authorized Representative

  
 A-4EX-10.2

 Exhibit 10.2 

AMENDED AND RESTATED REVOLVING PROMISSORY NOTE 
  

 

			
	U.S. $40,000,000	 	September 26, 2014

 FOR VALUE RECEIVED, AMERIS BANCORP, a Georgia corporation, having an address at 310 First Street, Moultrie,
Georgia 31768 (“Maker”), hereby promises to pay to the order of NEXBANK SSB (“Payee”), at its address at 2515 McKinney Avenue, Suite 1100, Dallas, Texas 75201 or such other address as it may designate, the principal
sum of Forty Million and NO/100 Dollars ($40,000,000), or so much thereof as may be advanced by Payee from time to time hereunder to or for the benefit or account of Maker, and interest from the date hereof on the balance of principal from time to
time outstanding, in United States currency, at the rates and at the times hereinafter described. 
 This Amended and Restated Revolving
Promissory Note (this “Note”) is issued by Maker pursuant to that certain Loan Agreement, dated as of August 28, 2013 (as amended by that certain First Amendment, dated as of the date hereof, and as may be further amended
restated or modified, the “Loan Agreement”) entered into between Payee and Maker. This Note evidences the Loan (as defined in the Loan Agreement). Payment of this Note is governed by the Loan Agreement, the terms of which are
incorporated herein by express reference as if fully set forth herein. Capitalized terms used and not otherwise defined herein shall have the meanings given to them in the Loan Agreement. 

1. Principal and Interest. 

(a) The maximum aggregate principal amount of this Note shall not exceed Forty Million Dollars ($40,000,000). All principal,
interest and other sums due under this Note shall be due and payable in full on the Maturity Date. 
 (b) Subject to
Section 1(c) below, the unpaid principal amount of this Note shall bear interest at the Note Rate (the “Applicable Rate”), unless the Default Rate is applicable. Interest at the Applicable Rate (or Default Rate) shall be
calculated for the actual number of days elapsed on the basis of a 360-day year, including the first date of the applicable period to, but not including, the date of repayment. The Loan shall bear interest at the Default Rate at any time at which an
Event of Default shall exist. 
 (c) All accrued but unpaid interest on the principal balance of the Loan outstanding from
time to time shall be payable on each Payment Date. The then outstanding principal balance of the Loan and all accrued but unpaid interest thereon shall be due and payable on the Maturity Date. Maker may from time to time during the term of the Loan
Agreement borrow, partially or wholly repay its outstanding borrowings, and reborrow, subject to all of the limitations, terms and conditions of the Loan Agreement; provided, however, that the total outstanding borrowings under this Note
shall not at any time exceed the Commitment. The unpaid principal balance of the Loan at any time shall be the total amount advanced hereunder by Payee less the amount of principal payments made hereon by or for Maker, which balance may be endorsed
hereon from time to time by Payee or otherwise noted in Payee’s records, which notations shall be, absent manifest error, conclusive evidence of the amounts owing hereunder from time to time. All payments (whether of principal or of interest)
shall be deemed credited to Maker’s account only if received by 2:00 p.m. Dallas time on a Business Day; otherwise, such payment shall be deemed received on the next Business Day. 

 2. Maximum Lawful Rate. It is the intent of Maker and Payee to conform to and
contract in strict compliance with applicable usury law from time to time in effect. In no way, nor in any event or contingency (including but not limited to prepayment, default, demand for payment, or acceleration of the maturity of any
obligation), shall the rate of interest taken, reserved, contacted for, charged or received under this Note and the other Loan Documents exceed the highest lawful interest rate permitted under applicable law. If Payee shall ever receive anything of
value which is characterized as interest under applicable law and which would apart from this provision be in excess of the highest lawful interest rate permitted under applicable law, an amount equal to the amount which would have been excessive
interest shall, without penalty, be applied to the reduction of the principal amount owing on the Loan in the inverse order of its maturity and not to the payment of interest, or refunded to the Maker or the other payor thereof if and to the extent
such amount which would have been excessive exceeds such unpaid principal. All interest paid or agreed to be paid to the holder hereof shall, to the extent permitted by applicable law, be amortized, prorated, allocated and spread throughout the full
stated term (including any renewal or extension) of the Loan so that the amount of interest on account of such obligation does not exceed the maximum permitted by applicable law. As used in this Section, the term “applicable law”
shall mean the laws of the State of Texas or the federal laws of the United States, whichever laws allow the greater interest, as such laws now exist or may be changed or amended or come into effect in the future. 

3. Monthly Payments. All payments on account of the indebtedness evidenced by this Note shall be made to Payee not later than
2:00 p.m. Dallas, Texas time on the day when due in lawful money of the United States and shall be first applied to late charges, costs of collection or enforcement and other similar amounts due, if any, under this Note and any of the other Loan
Documents, then to interest due and payable hereunder and the remainder to principal due and payable hereunder. 
 4. Maturity
Date. The indebtedness evidenced hereby shall mature on the Maturity Date, or as accelerated under the terms of the Loan Agreement. On the Maturity Date, the entire outstanding principal balance hereof, together with accrued and unpaid
interest and all other sums evidenced by this Note, shall, if not sooner paid, become due and payable. 
 5. General
Provisions. 
 (a) In the event (i) the principal balance hereof is not paid when due whether by acceleration
or upon the Maturity Date or (ii) an Event of Default exists, then the principal balance hereof shall bear interest from and after the Default Rate. In addition, for any installment (exclusive of the payment due upon the Maturity Date) which is
not paid by the tenth (10th) day following the due date thereof a late charge equal to five percent (5%) of the amount of such installment shall be due and payable to the holder of this Note on demand to cover the extra expense involved in
handling delinquent payments. 
 (b) Maker agrees that the obligation evidenced by this Note is an exempt transaction under
the Truth-in-Lending Act, 15 U.S.C. § 1601, et seq. 
 (c) This Note and all provisions hereof shall be binding upon
Maker and all persons claiming under or through Maker, and shall inure to the benefit of Payee, together with its successors and assigns, including each owner and holder from time to time of this Note. 

  
 2 

 (d) Time is of the essence as to all dates set forth herein. 

(e) To the fullest extent permitted by applicable law, Maker agrees that its liability shall not be in any manner affected by
any indulgence, extension of time, renewal, waiver, or modification granted or consented to by Payee; and Maker consents to any indulgences and all extensions of time, renewals, waivers, or modifications that may be granted by Payee with respect to
the payment or other provisions of this Note, and to any substitution, exchange or release of the collateral, or any part thereof, with or without substitution, and agrees to the addition or release of any makers, endorsers, guarantors, or sureties,
all whether primarily or secondarily liable, without notice to Maker and without affecting its liability hereunder. 
 (f)
To the fullest extent permitted by applicable Law, Maker hereby waives and renounces for itself, its successors and assigns, all rights to the benefits of any statute of limitations and any moratorium, reinstatement, marshaling, forbearance,
valuation, stay, extension, redemption, appraisement, or exemption and homestead laws now provided, or which may hereafter be provided, by the laws of the United States and of any state thereof against the enforcement and collection of the
obligations evidenced by this Note. 
 (g) If this Note is placed in the hands of attorneys for collection or is collected
through any legal proceedings, Maker promises and agrees to pay, in addition to the principal, interest and other sums due and payable hereon, all costs of collecting or attempting to collect this Note, including all reasonable attorneys’ fees
and disbursements. 
 (h) To the fullest extent permitted by applicable law, all parties now or hereafter liable with
respect to this Note, whether Maker, principal, surety, guarantor, endorsee or otherwise hereby severally waive presentment for payment, demand, notice of nonpayment or dishonor, protest and notice of protest. No failure to accelerate the
indebtedness evidenced hereby, acceptance of a past due installment following the expiration of any cure period provided by this Note, any Loan Document or applicable law, or indulgences granted from time to time shall be construed (i) as a
novation of this Note or as a reinstatement of the indebtedness evidenced hereby or as a waiver of such right of acceleration or of the right of Payee thereafter to insist upon strict compliance with the terms of this Note, or (ii) to prevent
the exercise of such right of acceleration or any other right granted hereunder or by the laws of the State. Maker hereby expressly waives the benefit of any statute or rule of law or equity now provided, or which may hereafter be provided, which
would produce a result contrary to or in conflict with the foregoing. 
 (i) THIS NOTE SHALL BE GOVERNED BY, AND CONSTRUED
IN ACCORDANCE WITH, THE LAWS OF THE STATE OF TEXAS AND ANY APPLICABLE LAWS OF THE UNITED STATES OF AMERICA. 

  
 3 

 (j) THIS NOTE AND THE OTHER LOAN DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN
THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 

This Note is an amendment, restatement, modification and continuation of the obligations outstanding under that certain Revolving Promissory
Note, dated August 28, 2013, made by Maker payable to the order of Payee in the original principal amount of $25,000,000 (the “Prior Note”). This Note is given in renewal, rearrangement and substitution for, but not in the
extinguishment or repayment of, the obligations outstanding under the Prior Note. This Note does not constitute a novation. 
 [Signature
page follows.] 

  
 4 

 Maker has delivered this Note as of the day and year first set forth above. 

 

			
	MAKER:
	
	AMERIS BANCORP
		
	By:	 	/s/ Edwin W. Hortman, Jr.
		 	 Edwin W. Hortman, Jr.
 President and Chief
Executive Officer

  

					
	[Signature Page to Amended and Restated Revolving Promissory Note]

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