EXHIBIT 10.3Supplemental Retirement Agreement • March 25th, 2004 • Atlantic Coast Federal Corp • Georgia
EXHIBIT 10.2Employment Agreement • March 25th, 2004 • Atlantic Coast Federal Corp • Coast
EXHIBIT 99.1Atlantic Coast Federal Corp • March 25th, 2004
EXHIBIT 99.2Atlantic Coast Federal Corp • March 25th, 2004
This letter sets forth the agreement between Atlantic Coast Federal, Waycross, Georgia (the "Association"), and RP Financial, LC. ("RP Financial"), whereby the Association has engaged RP Financial to prepare the regulatory business plan and financial projections to be adopted by the Association's Board of Directors in conjunction with the concurrent reorganization and minority stock offering. These services are described in greater detail below.
