EXHIBIT 4
CHARTERED UNDER THE LAWS OF THE UNITED STATES OF AMERICA
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No. ATLANTIC COAST FEDERAL CORPORATION Shares
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FULLY PAID AND NON-ASSESSABLE
PAR VALUE $0.01 PER SHARE
THE SHARES REPRESENTED BY THIS
CERTIFICATE ARE SUBJECT TO
RESTRICTIONS, SEE REVERSE SIDE
THIS CERTIFIES that is the owner of
SHARES OF COMMON STOCK OF
ATLANTIC COAST FEDERAL CORPORATION
a Federal corporation
The shares evidenced by this certificate are transferable only on the books of Atlantic Coast Federal Corporation by the
holder hereof, in person or by attorney, upon surrender of this certificate properly endorsed. The capital stock evidenced hereby is
not an account of an insurable type and is not insured by the Federal Deposit Insurance Corporation or any other Federal or state
governmental agency.
IN WITNESS WHEREOF, Atlantic Coast Federal Corporation has caused this certificate to be executed, by the facsimile
signatures of its duly authorized officers and has caused a facsimile of its seal to be hereunto affixed.
Date:
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By [SEAL] By
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FORREST W. SWEAT, JR., ROBERT J. LARISON, JR.,
CORPORATE SECRETARY PRESIDENT AND CHIEF EXECUTIVE OFFICER
The Board of Directors of Atlantic Coast Federal Corporation (the "Company") is authorized by resolution or resolutions,
from time to time adopted, to provide for the issuance of more than one class of stock, including preferred stock in series, and to
fix and state the voting powers, designations, preferences, limitations and restrictions thereof. The Company will furnish to any
shareholder upon request and without charge a full description of each class of stock and any series thereof.
The shares represented by this Certificate may not be cumulatively voted on any matter.
The following abbreviations when used in the inscription on the face of this certificate, shall be construed as though they
were written out in full according to applicable laws or regulations.
TEN COM - as tenants in common UNIF GIFT MIN ACT Custodian
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(CUST) (MINOR)
TEN ENT - as tenants by the
entireties
Under Uniform Gifts to Minors Act
JT TEN - as joint tenants with
right of survivorship
and not as tenants in
common
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(STATE)
Additional abbreviations may also be used though not in the above list
For value received, _____________________________ hereby sell, assign and transfer unto
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PLEASE INSERT SOCIAL SECURITY NUMBER OR OTHER IDENTIFYING NUMBER
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(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE)
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Shares of the Common Stock represented by the within Certificate, and do hereby irrevocably constitute and appoint
_______________________________________________________________________ Attorney to transfer the said shares on the books of the
within named corporation with full power of substitution in the premises.
Dated
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In the presence of Signature:
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NOTE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME OF THE STOCKHOLDER(S) AS WRITTEN UPON THE FACE OF THE
CERTIFICATE, IN EVERY PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT, OR ANY CHANGE WHATSOEVER.