H. Dennis Woods

Atlantic Coast Federal Corp. operates as the holding company for Atlantic Coast Bank. The Bank provides provides various personal, business home loans and consumer Loans Services. It offers a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money market accounts, demand deposit accounts and time deposit accounts with varied terms ranging from 90 days to five years. Its principal business consists of attracting retail deposits from the general public and investing those funds primarily in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences, home equity loans, commercial real estate loans and, to a lesser extent, automobile and other consumer loans.The company was founded on January 1, 2003 and is headquartered in Waycross, GA

CSX Transportation, Inc. engages in the provision of rail-based transportation services, including traditional rail service and the transport of intermodal containers and trailers. It operates through the following lines of business: Merchandise, Coal, and Intermodal. The company was founded on January 26, 1944 and is headquartered in Jacksonville, FL.

Atlantic Coast Bank (Florida) is a company based in Jacksonville, FL.

Atlantic Coast Financial Corp. operates as a bank holding company for Atlantic Coast Bank. Through the bank, it offers a range of products and services such as deposits such as noninterest-bearing and interest-bearing demand, savings and money market demand, as well as time deposit accounts with terms ranging from three months to five years; and investments in loans, including commercial real estate, consumer loans, first mortgages on owner-occupied one-to four-family residences, and home equity loans. The company was founded on June 22, 2007 and is headquartered in Jacksonville, FL.