0000943374-10-000903 Sample Contracts

EMPLOYMENT AGREEMENT
Employment Agreement • July 1st, 2010 • Atlantic Coast Federal Corp • Savings institution, federally chartered • Florida

This Employment Agreement (the “Agreement”) is made effective as of June 25, 2010 (the “Effective Date”), by and between Atlantic Coast Federal Corporation (the “Company” or “Employer”) and Jay Sidhu (the “Executive”). The Company owns 100% of the common stock of Atlantic Coast Bank (the “Bank”), and is the majority-owned subsidiary of Atlantic Coast Federal, MHC (the “MHC”).

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