EXHIBIT 10.2 SUPPLEMENTAL RETIREMENT AGREEMENT THIS SUPPLEMENTAL RETIREMENT AGREEMENT is made as of January 1, 2006 by and between ATLANTIC COAST FEDERAL (the "Bank"), its successors and assigns and CARL W. INSEL. (the "Executive"). 1. DEFINITIONS. In...Supplemental Retirement Agreement • January 25th, 2007 • Atlantic Coast Federal Corp • Savings institution, federally chartered • Georgia
