Document:

Employment Agreement

 EXHIBIT 10.2 
 EMPLOYMENT AGREEMENT 
 THIS EMPLOYMENT AGREEMENT (this
“Agreement”) is made and entered into this 13th day of June, 2007 by and between the Federal Home Loan Bank of Atlanta (hereinafter, the
“Bank”), and Richard A. Dorfman (hereinafter, “Executive”), to be effective as of the Effective Date, as defined in Section 1. 
 BACKGROUND 
 WHEREAS, the Bank desires to employ Executive as President and Chief Executive Officer of the Bank, in
accordance with the terms of this Agreement; and 
 WHEREAS, Executive is willing to serve as President and Chief Executive Officer of the Bank in accordance
with the terms and conditions of this Agreement; 
 NOW THEREFORE, in consideration of the foregoing and of the mutual covenants and agreements set forth
herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows: 
 1. Effective Date. This Agreement is effective as of June 20, 2007 (the “Effective Date”). 
 2. Employment. Executive is hereby employed on the Effective Date as President and Chief Executive Officer of the Bank. In such capacity, Executive shall have such responsibilities commensurate with such position as shall be assigned
to him by the Board of Directors of the Bank (the “Board”), which shall be consistent with the responsibilities of similarly situated executives of comparable companies in similar lines of business. In his capacity as President and Chief
Executive Officer of the Bank, Executive will report directly to the Chairman of the Board. 
 3. Employment Period. Unless earlier
terminated herein in accordance with Section 6 hereof, Executive’s employment shall be for a three-year term (the “Employment Period”), beginning on the Effective Date. Beginning on the third anniversary of the Effective Date and
on each subsequent anniversary of the Effective Date, the Employment Period shall, without further action by Executive or the Bank, be extended by an additional one-year period; provided, however, that either party may, by notice to
the other given not less than 60 days prior to the expiration of the then-current term, cause the Employment Period to cease to extend automatically. Upon such notice, the Employment Period shall terminate upon the expiration of the then-current
term, including any prior extensions. 
 4. Extent of Service. During the Employment Period, and excluding any periods of vacation and
sick leave to which Executive is entitled, Executive agrees to devote his business time, attention, skill and efforts exclusively to the faithful 

 
performance of his duties hereunder; provided, however, that it shall not be a violation of this Agreement for Executive to (i) devote reasonable
periods of time to charitable and community activities and, with the approval of the Board, housing mortgage related industry or professional activities, and/or (ii) manage personal business interests and investments, so long as such activities
do not interfere with the performance of Executive’s duties under this Agreement. During the Employment Period, Executive agrees to conduct himself in compliance with the Bank’s Code of Conduct. 
 5. Compensation and Benefits. 
 (a) Base Salary. During the Employment Period, the Bank will pay to Executive a base salary at the annual rate of $700,000 per year (the “Base Salary”), less normal withholdings, payable in equal installments as are
customary under the Bank’s payroll practices from time to time. The Governance and Compensation Committee of the Board (the “Committee”) shall review Executive’s Base Salary annually and in its sole discretion may recommend that
the Board approve an increase in Executive’s Base Salary from year to year. The annual review of Executive’s salary by Committee, and the evaluation of any recommendation by the Board, will include a consideration of, among other things,
Executive’s own performance and the Bank’s performance. 
 (b) Incentive, Savings and Retirement Plans.
During the Employment Period, Executive shall be entitled to participate in all incentive, savings and retirement plans, practices, policies and programs applicable generally to senior executive officers of the Bank (“Peer Executives”).
Without limiting the foregoing, the following shall apply: 
 (i) During the Employment Period, Executive will be eligible to
receive annual short-term incentive awards under the Bank’s Executive Incentive Compensation Plan. Such awards will be issued by the Board, or a committee of the Board, in its sole discretion and will be based on performance criteria
established from year to year by the Board or a committee of the Board. For the twelve months ended June 30, 2008, Executive’s short-term incentive award opportunity will be 100% of Base Salary based upon goals to be established by the
Board. The Board will determine whether such award is in addition to, or in lieu of, an award under the Executive Incentive Compensation Plan. 
 (ii) During the Employment Period, Executive also will be eligible to receive long-term incentive awards, issued by the Committee in its sole discretion and based on performance criteria established from time to time
by the Committee. Following the Effective Date, the Committee shall issue to Executive a long-term incentive award based on minimum, target and maximum levels of achievement and paid as a percentage of Executive’s Base Salary. Such award will
be based upon the same performance criteria as established by the Committee for long-term incentive awards issued to Peer Executives in 2007. 
  

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 (c) Welfare Benefit Plans. During the Employment Period, Executive and
Executive’s eligible dependents shall be eligible for participation in the welfare benefit plans, practices, policies and programs provided by the Bank (“Welfare Plans”) to the extent applicable generally to Peer Executives.

 (d) Expenses, Fringe Benefits, and Paid Time Off. During the Employment Period, Executive shall be entitled to
expense reimbursement, fringe benefits and paid time off in accordance with the policies, practices and procedures of the Bank to the extent applicable generally to Peer Executives. 
 (e) Relocation Allowance. Promptly following the Effective Date, the Bank will pay to Executive $150,000 in cash, which is intended
to defray a portion of Executive’s expenses incurred in relocating to the Atlanta, Georgia area. 
 (f) Auto
Allowance. During the first three years during Employment Period (and for each subsequent three-year period during the Employment Period), the Bank shall pay Executive an automobile allowance in an amount equal to $65,000, payable in equal
monthly or more frequent installments as are customary under the Bank’s payroll practices from time to time. In lieu of this allowance, the Bank may provide Executive the use of an automobile reasonably acceptable to Executive which is
purchased or leased by the Bank and for which the aggregate payments to be made by the Bank over such three-year period would not exceed $65,000. 
 6. Termination of Employment. 
 (a) Death or Disability. Executive’s employment shall terminate
automatically upon Executive’s death during the Employment Period. If the Bank determines in good faith that the Disability of Executive has occurred during the Employment Period (pursuant to the definition of Disability set forth below), it
may give to Executive written notice of its intention to terminate Executive’s employment. In such event, Executive’s employment with the Bank shall terminate effective on the 30th day after receipt of such written notice by Executive (the
“Disability Effective Date”), provided that, within the 30 days after such receipt, Executive shall not have returned to full-time performance of Executive’s duties. For purposes of this Agreement, “Disability” shall mean a
mental or physical disability as determined by the Board in accordance with standards and procedures similar to those under the Bank’s employee long-term disability plan, if any. At any time that the Bank does not maintain such a long-term
disability plan, “Disability” shall mean the inability of Executive, as determined by the Board, to substantially perform the essential functions of his regular duties and responsibilities due to a medically determinable physical or mental
condition which has lasted (or can reasonably be expected to last) for 180 non-consecutive days in any twelve-month period. 
  

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 (b) Termination by the Bank. The Bank may terminate Executive’s employment
during the Employment Period with or without Cause. For purposes of this Agreement, “Cause” shall mean: 
 (i)
Executive’s willful failure to perform substantially Executive’s duties with the Bank (other than any such failure resulting from incapacity due to physical or mental illness), after a written demand for substantial performance is
delivered to Executive by the Board which specifically identifies the manner in which the Board believes that Executive has not substantially performed Executive’s duties; or 
 (ii) Executive’s willful engaging in illegal conduct or gross misconduct which is, or is likely to be, injurious to the Bank, its
financial condition, or its reputation; or 
 (iii) Executive’s engaging in any activity or conduct that results in a
written request from the Federal Housing Finance Board or any other regulatory agency or body requesting that the Bank terminate the employment of the Executive; or 
 (iv) Executive’s indictment or conviction of, plea of guilty or nolo contendere with respect to, or agreement to enter into a
pre-trial diversion or similar program in connection with the prosecution for, a crime involving fraud, theft, misappropriation, embezzlement, dishonesty, breach of trust or money laundering; or 
 (v)(A) The Bank’s receipt of a written notice under 12 U.S.C. Section 1422b(a)(2) seeking removal or suspension of the
Executive, (B) the issuance of a notice of charges by the Federal Housing Finance Board against the Executive or the Bank based upon the actions or activities of the Executive under 12 U.S.C. 1422b(a)(5), (C) the seeking of or entry of a
cease and desist order by the Federal Housing Finance Board against the Executive or the Bank relating to actions of or conduct by the Executive, or (D) the imposition of civil money penalties by the Federal Housing Finance Board relating to
action or conduct by the Executive; or 
 (vi) Executive’s breach of fiduciary duty or breach of the covenants set forth
in Section 12 of this Agreement. 
 (c) Termination by Executive. Executive’s employment may be terminated by
Executive for Good Reason or for no reason. For purposes of this Agreement, “Good Reason” shall mean, without the consent of Executive: 
 (i) a material diminution in Executive’s Base Salary; 
 (ii) a material diminution in
the Executive’s authority, duties, or responsibilities, or the authority, duties, or responsibilities of the supervisor to whom the Executive is required to report (including a requirement that the Executive report to a corporate officer or
employee instead of reporting directly to the Board), excluding for 

  

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this purpose an isolated, insubstantial and inadvertent action not taken in bad faith and which is remedied by the Bank promptly after receipt of notice
thereof given by Executive; 
 (iii) the Bank’s requiring Executive to be based at any office or location other than in
Atlanta, Georgia; or 
 (v) any other action or inaction that constitutes a material breach of this Agreement by the Bank.

 Good Reason shall not include Executive’s death or Disability. Executive’s continued employment shall not constitute consent to,
or a waiver of rights with respect to, any circumstance constituting Good Reason hereunder. A termination by Executive shall not constitute termination for Good Reason unless Executive shall first have delivered to the Bank, within 90 days of the
occurrence of the first event giving rise to Good Reason, written notice setting forth with specificity the occurrence deemed to give rise to a right to terminate for Good Reason, and there shall have passed a reasonable time (not less than 30 days
and not more than 60 days) within which the Bank may take action to correct, rescind or otherwise substantially reverse the occurrence supporting termination for Good Reason as identified by Executive. Executive’s separation for Good Reason
must occur within two years following the initial occurrence of an event giving rise to Good Reason. In the event of a separation following such two-year period, no “Good Reason” shall be deemed to exist. 
 (e) Notice of Termination. Any termination of this Agreement by the Bank or by Executive, other than for death or Disability, shall
be communicated by Notice of Termination to the other party hereto given in accordance with Section 14(f) of this Agreement. For purposes of this Agreement, a “Notice of Termination” means a written notice which (i) indicates the
specific termination provision in this Agreement relied upon, including whether such termination is for Cause or Good Reason, (ii) if such termination is for Cause or Good Reason, sets forth in reasonable detail the facts and circumstances
claimed to provide a basis for termination of Executive’s employment under the provision so indicated, to the extent applicable, and (iii) specifies the termination date (which, if such termination is by the Executive, shall not be less
than 30 days from receipt of the Notice). The failure by the Bank to set forth in the Notice of Termination any fact or circumstance which contributes to a showing of Cause shall not waive any right of the Bank hereunder or preclude the Bank from
asserting such fact or circumstance in enforcing the Bank’s rights hereunder. 
 (f) Date of Termination.
“Date of Termination” means (i) if Executive’s employment is terminated other than by reason of death or Disability, the date specified in the Notice of Termination, or (ii) if Executive’s employment is terminated by
reason of death or Disability, the date of death or the Disability Effective Date, as the case may be. 
  

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 7. Obligations of the Bank upon Termination. 
 (a) Termination by the Executive for Good Reason, or by the Bank Other Than for Cause or Disability. If, during the Employment
Period, the Executive shall resign for Good Reason or the Bank shall terminate Executive’s employment other than for Cause or Disability then and, with respect to the payments and benefits described in clause (ii) below, only if Executive
executes the Bank’s standard release of claims (the “Release”): 
 (i) the Bank shall pay to Executive in a
single lump sum cash payment within 30 days after the Date of Termination, Executive’s Base Salary through the Date of Termination to the extent not theretofore paid (the “Accrued Obligations”); and 
 (ii) the Bank shall pay to Executive a severance payment (the “Severance Payment”) equal to the aggregate of
(A) Executive’s Base Salary in effect as of the Date of Termination, which amount shall be paid to Executive in a single lump sum cash payment within 30 days after the Date of Termination, and (B) an amount equal to the amount which
would have been payable pursuant to Executive’s short-term incentive award for the year in which the Date of Termination occurs, determined with respect to the actual performance against the performance criteria relating to such award (the
“Bonus Payment”), which amount shall be paid on the same the date on which amounts relating to short-term incentive awards for such year are paid to Peer Executives, but not later than the fifteenth day of the third month following the
year in which the Date of Termination occurs; and 
 (iii) to the extent not theretofore paid or provided, the Bank shall
timely pay or provide to Executive any other amounts or benefits required to be paid or provided or which Executive is eligible to receive under any plan, program, policy or practice or contract or agreement of the Bank, subject to the terms and
conditions thereof (such other amounts and benefits shall be hereinafter referred to as the “Other Benefits”). 
 (b) Death. If Executive’s employment is terminated by reason of Executive’s death during the Employment Period, this Agreement shall terminate without further obligations to Executive’s legal representatives under this
Agreement, other than for payment of Accrued Obligations and the timely payment or provision of Other Benefits. Accrued Obligations shall be paid to Executive’s estate or beneficiary, as applicable, in a lump sum in cash within 30 days of the
Date of Termination. With respect to the provision of Other Benefits, the term “Other Benefits” as used in this Section 7(b) shall include, without limitation, benefits under such plans, programs, practices and policies relating to
death benefits, if any, as are applicable to Executive on the date of his death. 
 (c) Disability. If Executive’s
employment is terminated by reason of Executive’s Disability during the Employment Period, this Agreement shall terminate without further obligations to Executive, other than for payment of Accrued Obligations 

  

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and the timely payment or provision of Other Benefits. Accrued Obligations shall be paid to Executive in a lump sum in cash within 30 days of the Date of
Termination. With respect to the provision of Other Benefits, the term “Other Benefits” as used in this Section 7(c) shall include, without limitation, disability and other benefits under such plans, programs, practices and policies
relating to disability, if any, as are applicable to Executive and his family on the Date of Termination. 
 (d) Cause or
Resignation other than for Good Reason. If Executive’s employment is terminated by the Bank for Cause during the Employment Period, or by Executive other than for Good Reason, this Agreement shall terminate without further obligations to
Executive, other than for payment of Accrued Obligations and the timely payment or provision of Other Benefits. Accrued Obligations shall be paid to Executive in a lump sum in cash within 30 days of the Date of Termination. 
 8. Non-exclusivity of Rights. Nothing in this Agreement shall prevent or limit Executive’s continuing or future participation in any plan,
program, policy or practice provided by the Bank and for which Executive may qualify, nor, subject to Section 14(d), shall anything herein limit or otherwise affect such rights as Executive may have under any contract or agreement with the
Bank. Amounts which are vested benefits or which Executive is otherwise entitled to receive under any plan, policy, practice or program of or any contract or agreement with the Bank at or subsequent to the Date of Termination shall be payable in
accordance with such plan, policy, practice or program or contract or agreement except as explicitly modified by this Agreement. 
 9.
Limitation of Benefits. 
 (a) Notwithstanding anything in this Agreement to the contrary, in the event it shall be
determined that any benefit, payment or distribution by the Bank to or for the benefit of Executive (whether payable or distributable pursuant to the terms of this Agreement or otherwise) (such benefits, payments or distributions are hereinafter
referred to as “Payments”) would, if paid, be subject to the excise tax (the “Excise Tax”) imposed by Section 4999 of the Internal Revenue Code of 1986, as amended (the “Code”), then the aggregate present value of
the Payments shall be reduced (but not below zero) to an amount expressed in present value that maximizes the aggregate present value of the Payments without causing the Payments or any part thereof to be subject to the Excise Tax and therefore
nondeductible by the Bank because of Section 280G of the Code (the “Reduced Amount”). For purposes of this Section 9, present value shall be determined in accordance with Section 280G(d)(4) of the Code. In the event, after
the exhaustion of all remedies, it is necessary to reduce the Payments, the Executive shall direct which Payments are to be modified or reduced. 
 (b) All determinations required to be made under this Section 9, including whether an Excise Tax would otherwise be imposed, whether the Payments shall be reduced, the amount of the Reduced Amount, and the
assumptions to be utilized in arriving at such determinations, shall be made by the an independent certified public 

  

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accounting firm selected by the Bank and reasonably acceptable to Executive (the “Accounting Firm”) which shall provide detailed supporting
calculations both to the Bank and Executive promptly after the receipt of notice that a Payment is due to be made. All fees and expenses of the Accounting Firm shall be borne solely by the Bank. Any determination by the Accounting Firm shall be
binding upon the Bank and Executive. As a result of the uncertainty in the application of Section 4999 of the Code at the time of the initial determination by the Accounting Firm hereunder, it is possible that Payments hereunder will have been
unnecessarily limited by this Section 9 (“Underpayment”), consistent with the calculations required to be made hereunder. The Accounting Firm shall determine the amount of the Underpayment that has occurred and any such Underpayment
shall be promptly paid by the Bank to or for the benefit of Executive together with interest at the applicable Federal rate provided for in Section 7872(f)(2) of the Code. 
 10. Costs of Enforcement. Subject to Section 9(b), each party hereto shall pay its own costs and expenses incurred in enforcing or
establishing its rights hereunder, including, without limitation, attorneys’ fees, whether suit be brought or not, and whether or not incurred in trial, bankruptcy or appellate proceedings. 
 11. Representations and Warranties. Executive hereby represents and warrants to the Bank that Executive is not a party to, or otherwise subject
to, any covenant not to compete with any person or entity, and Executive’s execution of this Agreement and performance of his obligations hereunder will not violate the terms or conditions of any contract or obligation, written or oral, between
Executive and any other person or entity. 
 12. Restrictions on Conduct of Executive. 
 (a) No Solicitation. During the Employment Period and for a period of eighteen (18) months after termination of employment,
Executive shall not, directly 
 (i) Solicit any customers of the Bank or the Bank’s affiliates for purposes of selling
any products or services competitive with those of the Bank or its affiliates and with whom Executive had Material Contact in the twelve (12) months preceding termination of employment. For purposes of this Agreement, Executive had
“Material Contact” with a customer if (a) Executive had business dealings with the customer on the Bank’s behalf, or (b) Executive was responsible for supervising or coordinating the dealings between the customer and the
Bank; or 
 (ii) Solicit for employment, offer, or cause to be offered employment, either on a full time, part-time or
consulting basis, to any person who was employed by the Bank or its affiliates on the Date of Termination and with whom Executive had regular contact with during the course of his employment by the Bank, unless Executive shall have received the
prior written consent of the Bank. 
 Executive understands and agrees that the non-solicitation agreement contained in this Section 12 is necessary to
the Bank because Executive has access to, and in order to 

  

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protect the confidentiality of, the Bank’s “Confidential Information” (as that term is defined in Section 12(c)(ii) below) from
intentional and/or inadvertent disclosure or use upon or after the termination of Executive’s employment with the Bank. As consideration, the Bank expressly agrees to provide Executive with Confidential Information during the Employment Period.

 (c) Confidentiality. 
 (i) Trade Secrets. “Trade Secrets” refers to information, without regard to form, that is not generally known about the Bank’s business, that the Bank has made reasonable efforts to maintain as
secret or confidential, and from which the Bank derives economic value because it is not generally known to others who can obtain economic value from its use or disclosure. Trade Secrets include, but are not limited to, concepts, ideas, customer
lists, business lists, business and strategic plans, financial data, accounting procedures, secondary marketing and hedging models, trade secrets, and computer programs and plans. This definition shall not limit any definition of “trade
secrets” or any equivalent term under applicable state, local, or federal law. 
 (ii) Confidential Information.
“Confidential Information” refers to business information or data of the Bank that, although not a Trade Secret, is not generally known to the public and that the Bank desires and makes reasonable efforts to keep confidential. Confidential
Information includes, but is not limited to, concepts, ideas, customer lists, business lists, business and strategic plans, financial data, accounting procedures, models, trade secrets, computer programs and plans, information related to officers,
directors, employees and agents, operations materials and memoranda, personnel records and information, pricing and financial information related to the Bank, its members, and suppliers, and any information marked “Confidential” by the
Bank, and other proprietary information that does not rise to the level of a Trade Secret. Confidential Information does not include data or information that (i) the Bank has voluntarily disclosed to the public, (ii) third parties have
independently developed and disclosed to the public, (iii) otherwise enters the public domain through lawful means, or (iv) is lawfully and rightfully disclosed to Executive following the Effective Date by another party without an
obligation to keep the information confidential. This definition shall not limit any definition of “confidential information” or any equivalent term under any applicable state, local or federal law. 
 (iii) Non-Disclosure. Executive hereby acknowledges and agrees that the Bank and its affiliates have developed and own valuable
information described above as Trade Secrets and Confidential Information. Executive acknowledges and agrees that all such Trade Secrets and Confidential Information are valuable assets of the Bank, and if developed by Executive, are developed by
Executive in the course of Executive’s employment with the Bank, and are the sole property of the Bank. Executive agrees that Executive will not divulge or otherwise disclose to any third party, directly or indirectly, any Confidential
Information or Trade Secrets, except to the extent such use or disclosure is (i) required by applicable law or in response to a lawful inquiry from a governmental or regulatory authority, (ii) lawfully obtainable from other sources, or
(iii) authorized by the 

  

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Bank. Executive acknowledges that this restriction on disclosure of Confidential Information is limited to the Employment Period and for eighteen
(18) months thereafter. The parties acknowledge and agree that this Agreement is not intended to, and does not, alter either the Bank’s rights or Executive’s obligations under any state or federal statutory or common law regarding
trade secrets or unfair trade practices. 
 (d) Enforcement of Restrictive Covenants. 
 (i) Rights and Remedies Upon Breach. In the event Executive breaches, or threatens to commit a breach of, any of the provisions of
the covenants contained in this Section 12 (the “Restrictive Covenants”), the Bank shall have the following rights and remedies, which shall be independent of any others and severally enforceable, and shall be in addition to, and not
in lieu of, any other rights and remedies available to the Bank at law or in equity: 
 (A) the right and remedy to enjoin,
preliminarily and permanently, Executive from violating or threatening to violate the Restrictive Covenants and to have the Restrictive Covenants specifically enforced by any court of competent jurisdiction, it being agreed that any breach or
threatened breach of the Restrictive Covenants would cause irreparable injury to the Bank and that money damages would not provide an adequate remedy to the Bank; and 
 (B) the right and remedy to require Executive to account for and pay over to the Bank all compensation, profits, monies, accruals,
increments or other benefits derived or received by Executive as the result of any transactions constituting a breach of the Restrictive Covenants. 
 (ii) Severability of Covenants. Executive acknowledges and agrees that the Restrictive Covenants are reasonable and valid in time and scope and in all other respects. The covenants set forth in this Agreement
shall be considered and construed as separate and independent covenants. Should any part or provision of any covenant be held invalid, void or unenforceable in any court of competent jurisdiction, such invalidity, voidness or unenforceability shall
not render invalid, void or unenforceable any other part or provision of this Agreement. If any portion of the foregoing provisions is found to be invalid or unenforceable by a court of competent jurisdiction because its duration, the territory, the
definition of activities or the definition of information covered is considered to be invalid or unreasonable in scope, the invalid or unreasonable term shall be redefined, or a new enforceable term provided, such that the intent of the Bank and
Executive in agreeing to the provisions of this Agreement will not be impaired and the provision in question shall be enforceable to the fullest extent of the applicable laws. 
 13. Assignment and Successors. 
 (a) This Agreement is personal to the Executive and without the prior written consent of the Bank shall not be assignable by the Executive otherwise than by 

  

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will or the laws of descent and distribution. This Agreement shall inure to the benefit of and be enforceable by the Executive’s legal representatives.

 (b) This Agreement shall inure to the benefit of and be binding upon the Bank and its successors and assigns. 

(c) The Bank will require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or
substantially all of the business and/or assets of the Bank to assume expressly and agree to perform this Agreement in the same manner and to the same extent that the Bank would be required to perform it if no such succession had taken place. As
used in this Agreement, “Bank” shall mean the Bank as hereinbefore defined and any successor to its business and/or assets as aforesaid which assumes and agrees to perform this Agreement by operation of law, or otherwise. 
 14. Miscellaneous. 
 (a) Waiver. Failure of either party to insist, in one or more instances, on performance by the other in strict accordance with the terms and conditions of this Agreement shall not be deemed a waiver or relinquishment of any right
granted in this Agreement or of the future performance of any such term or condition or of any other term or condition of this Agreement, unless such waiver is contained in a writing signed by the party making the waiver. 
 (b) Severability. If any provision or covenant, or any part thereof, of this Agreement should be held by any court to be invalid,
illegal or unenforceable, either in whole or in part, such invalidity, illegality or unenforceability shall not affect the validity, legality or enforceability of the remaining provisions or covenants, or any part thereof, of this Agreement, all of
which shall remain in full force and effect. 
 (c) Other Agents. Nothing in this Agreement is to be interpreted
as limiting the Bank from employing other personnel on such terms and conditions as may be satisfactory to it. 
 (d)
Entire Agreement. Except as provided herein, this Agreement contains the entire agreement between the Bank and Executive with respect to the subject matter hereof and, from and after the Effective Date, this Agreement shall supersede any
other agreement between the parties with respect to the subject matter hereof, including without limitation, any written or oral discussions, term sheets, or agreements prior to the Effective Date. 
 (e) Governing Law. Except to the extent preempted by federal law, and without regard to conflict of laws principles, the laws of
the State of Georgia shall govern this Agreement in all respects, whether as to its validity, construction, capacity, performance or otherwise. 
  

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 (f) Notices. All notices, requests, demands and other communications required or
permitted hereunder shall be in writing and shall be deemed to have been duly given if delivered or three days after mailing if mailed, first class, certified mail, postage prepaid: 
 To Bank: 
 Chairman 
 Federal Home Loan Bank of Atlanta 
 1475 Peachtree Street 
 Atlanta, Georgia 30309 
 To Executive: 
 Richard A. Dorfman 
 President/CEO 
 Federal Home Loan Bank of Atlanta 
 _________________ 
 _________________ 
 _________________ 
 Any party may change the address to which notices, requests, demands and other communications shall be delivered or mailed by giving notice thereof to the other party in the same manner provided herein. 
 (g) Amendments and Modifications. This Agreement may be amended or modified only by a writing signed by both parties hereto, which
makes specific reference to this Agreement. 
 (h) Construction. Each party and his or its counsel have reviewed this
Agreement and have been provided the opportunity to revise this Agreement and accordingly, the normal rule of construction to the effect that any ambiguities are to be resolved against the drafting party shall not be employed in the interpretation
of this Agreement. Instead, the language of all parts of this Agreement shall be construed as a whole, and according to its fair meaning, and not strictly for or against either party. 
 (i) Regulatory Authority. Notwithstanding any other provision of this Agreement, the Bank and the Executive each acknowledge and
agree that payments to be made by the Bank that are contingent on, or by their terms are payable on or after the termination of the Executive’s employment or affiliation with the Bank, may be limited or precluded by the Federal Housing Finance
Board under authorities granted it under applicable law. 
  

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 IN WITNESS WHEREOF, the parties hereto have duly executed and delivered this Employment Agreement as of
the date first above written. 
  

			
	FEDERAL HOME LOAN BANK OF ATLANTA
		
	By:	 	/s/ Scott C. Harvard
	Name:	 	Scott C. Harvard
	Title:	 	Chairman

  

	
	EXECUTIVE:
	
	/s/ Richard A. Dorfman
	Name: Richard A. Dorfman

  

 - 13 -Amended and Restated Services Agreement

 EXHIBIT 10.3 
 AMENDED AND RESTATED SERVICES AGREEMENT 
 THIS AMENDED AND RESTATED SERVICES AGREEMENT (the
“Agreement”) is entered into as of this 9th day of August, 2007, between the Federal Home Loan Bank of Atlanta (the “Bank”) and SJG Financial Consultants, LLC, a Georgia limited liability company
(“Contractor”). 
 WHEREAS, the parties entered into that certain Services Agreement, dated as of April 23, 2007 (the
“Original Services Agreement”), and the parties now wish to amend and restate the Original Services Agreement, together with the Indemnification Agreement, dated as of April 23, 2007 (“Indemnification
Agreement”), among the Bank, Contractor and Steven J. Goldstein (“Goldstein”); 
 NOW, THEREFORE, for good and valuable
consideration, the receipt and sufficiency of which is hereby acknowledged, the Bank and Contractor hereby agree as follows: 
  

	1.	Engagement 

 Subject to the terms and
conditions of this Agreement, the Bank hereby engages Contractor to perform the Services (defined below), and Contractor hereby accepts such engagement. Contractor’s relationship with the Bank will be strictly that of an independent contractor.
Nothing in this Agreement should be construed to create a partnership, joint venture, employer-employee relationship, or promise of any future employment by the Bank or any affiliate thereof. Contractor is not the agent of the Bank and is not
authorized to make any representation, contract, or commitment on behalf of the Bank except as is necessary in order for him to perform the Services. Contractor will not be entitled to any of the benefits or forms of compensation which the Bank may
make available to its employees, including but not limited to bonuses, insurance, profit-sharing or retirement benefits, social security benefits, paid vacations or paid sick leave. 
  

	2.	Scope of Services 

 Subject to the
provisions of this Agreement, Contractor shall assign one of its employees, Goldstein, to perform the usual and customary duties of chief financial officer, and such other assignments as may be given to him by the president and chief executive
officer of the Bank from time to time (the “Services”). Goldstein will report directly to the president and chief executive officer of the Bank. During the term of this Agreement, Contractor shall cause Goldstein to devote as
much of his productive time, energy and abilities to the performance of the Services as is necessary for the performance of such Services in a timely and productive manner. The parties further expect that Goldstein will conduct most of the Services
at the principal office of the Bank. Contractor agrees to cause Goldstein to behave in a responsible and professional manner at all times while performing the Services under this Agreement. The parties hereby agree and acknowledge that Goldstein
shall be the only employee of Contractor that is authorized by the parties to perform the Services on behalf of the Contractor hereunder. 
  

 1 

	3.	Compensation; Taxes 

 (a) The Bank shall pay
Contractor $380,000 per year in twelve equal monthly installments (each such monthly installment, the “Base Fee”) for the Services provided to the Bank under this Agreement. 
 (b) The Contractor also shall be eligible to receive, in the Bank’s discretion, each calendar year, an incentive fee (“Incentive
Fee”), determined as a percentage of the Base Fee paid to the Contractor for the immediately preceding calendar year, in an amount up to the maximum annual incentive compensation award opportunity available to an executive vice
president of the Bank under the Bank’s Executive Incentive Compensation Plan for such immediately preceding calendar year. 
 (c)
Contractor shall send the Bank an invoice for its Base Fee and expenses provided hereunder for the immediately preceding calendar month by the 15th day of the following calendar month. Contractor’s failure to send the Bank an invoice by such
date shall not relieve the Bank of its obligation to pay Contractor for its performance of the Services. The Bank shall pay the invoice by the end of the calendar month in which such invoice is received. 
 (d) Contractor understands and agrees that, as an independent contractor, it is solely responsible for all taxes and other costs and expenses
attributable to the compensation payable to and the Services provided by it under this Agreement. Contractor understands and agrees that it is obligated to pay federal, state and local income tax, if any, due on any monies paid to it pursuant to
this Agreement, and Contractor represents that it has taken and will take any and all actions required to comply with all applicable federal, state and local laws pertaining to the same. 
  

	4.	Equipment and Expenses 

 (a) The Bank shall
supply Contractor with the equipment and support reasonably necessary to perform the Services under this Agreement, including office space for Goldstein at the Bank’s principal office and access to facsimile, telephone, and internet services at
such location. 
 (b) The Bank shall reimburse Contractor for reasonable and documented expenses incurred by Contractor in the performance of
the Services, in accordance with the Bank’s normal policies and procedures. Contractor shall not be reimbursed for meal costs while performing the Services at the Bank’s principal office, commuting costs or other expenses associated with
the normal performance of the Services at the Bank’s principal office on a daily basis. 
  

	5.	Representations and Warranties of Contractor 

 (a) Contractor represents that it shall have control over the means of providing the Services identified herein. Contractor agrees to accept exclusive liability for complying with all applicable state and federal laws governing
self-employed individuals and employers, including but not limited to obligations such as payment and withholding of taxes, social security, disability, workers’ compensation insurance, and other contributions based on fees paid to 

  

 2 

 
Contractor under this Agreement. Contractor agrees to provide to the Bank a certificate of workers’ compensation insurance or confirmation of exemption.

 (b) Contractor commits to perform, and to cause Goldstein to perform, the Services ethically and honestly and in a competent and efficient
manner using their best efforts to accomplish the objectives of the Bank. Contractor agrees to perform, and to cause Goldstein to perform, all Services in strict compliance with any and all applicable federal, state, and local laws, regulations and
guidelines known to Contractor, and in accordance with any other relevant professional or other standards known to Contractor. Contractor agrees, and agrees to cause Goldstein, to act ethically and honestly with respect to reports and documents that
the Bank files with, or submits to, the United States Securities and Exchange Commission, and other regulatory filings and public communications, for which preparation Contractor or Goldstein is involved with, or supervises, on behalf of the Bank.

  

	6.	Conflicts of Interest 

 (a) Contractor
represents that it has advised the Bank in writing prior to the date of signing this Agreement of any of its or Goldstein’s relationship with any third parties, including members and competitors of the Bank, or other legal obstacles that would
present a conflict of interest with Contractor’s or Goldstein’s performance of the Services, or which would prevent Contractor or Goldstein from carrying out the terms of this Agreement. Contractor affirms that it shall, and it shall cause
Goldstein to, advise the Bank of any such conflicts of interest, legal or ethical obstacles or other violations of this Agreement that arise during the term of this Agreement. In such event, the Bank shall have the option to terminate this Agreement
without further liability to Contractor other than the obligation to pay for Services actually rendered as of the date of such termination. Contractor further agrees to refrain from making any recommendations or taking any actions that would elevate
its interests, or the interests of any client, over the interests of the Bank. 
 (b) During the term of his appointment as an officer of the
Bank, Goldstein agrees to comply with the provisions of the Bank’s Code of Conduct, subject to any exceptions or waivers granted thereunder in accordance therewith. 
  

	7.	Term and Termination 

 (a) The term of this
Agreement shall begin on April 23, 2007, and continue until April 23, 2008, unless earlier terminated as provided for herein, and shall be automatically extended for additional one-year terms (the “Term”), on
April 23 of each year, unless either party gives notice, in writing, to the other party prior to such renewal date that it does not wish to extend such Term. 
 (b) The Bank may terminate this Agreement at any time prior to the end of the Term by giving written notice to Contractor. If this Agreement is terminated by the Bank, the Bank shall have no continuing financial
obligation to Contractor other than (i) to pay the Base Fee for Services actually performed by Contractor through the date of termination to the extent not theretofore paid; and (ii) to reimburse Contractor for any expenses incurred by
Contractor in accordance with the provisions of this Agreement (collectively, the “Accrued Obligations”). 
 (c)
Contractor may terminate this Agreement at any time prior to the end of the Term for any reason by giving written notice to the Bank. If Contractor terminates this Agreement, or if 

  

 3 

 
the Agreement is not renewed or extended at the end of the Term, the Bank shall have no continuing financial obligation to Contractor other than to pay the
Accrued Obligations. 
  

	8.	Right of Review 

 During the Term, and for a
period of one year after the termination of this Agreement for any reason whatsoever, the Bank and/or its representatives at reasonable times agreed to by Contractor, and upon reasonable written notice to Contractor, shall have the right to review
all contracts, correspondence, books, accounts, files, and records of Contractor directly relating to Contractor’s performance of the Services or the compensation he received therefore. 
  

	9.	Indemnification of the Bank 

 (a) Contractor
shall defend, indemnify, and hold harmless the Bank from and against all liabilities, claims, losses, costs, fines, expenses, penalties and damages of any type (including reasonable attorneys’ fees and costs) arising out of actions taken (or
failed to be taken) by Contractor in its performance of the Services that are determined by a court of competent jurisdiction to be grossly negligent, intentionally reckless or with willful disregard to the consequences of the Bank or other parties.

 (b) The Bank shall promptly notify Contractor of any third party claim or potential claim that could give rise to a claim for
indemnification under this Section 10. Contractor shall have the right to assume the defense of any such third party claim with counsel of its choice reasonably satisfactory to the Bank at any time within 15 days after the Bank has given
Contractor notice of the third party claim; provided, however, that the Bank may retain separate co-counsel at its sole cost and expense, unless the Bank and Contractor have reasonably concluded that there may be a conflict of interest
between them in the conduct of such defense, or the Contractor shall have failed to diligently pursue such defense, in which case the reasonable fees and expenses of the Bank’s counsel shall be paid by the Contractor. The Bank may participate
in the defense of any third party claim against it, and the Contractor shall not settle any such claim in any manner that would impose any penalty or limitation on the Bank, or could damage its reputation, without the Bank’s prior written
consent. 
 (c) The indemnification obligations of the Contractor hereunder shall continue in full force and effect in accordance with their
terms upon termination of this Agreement if the acts or omissions resulting in indemnification liability to the Bank occurred during the Term in which this Agreement was in effect. 
  

	10.	Indemnification of Contractor and Goldstein 

 (a) Indemnity. Subject to the provisions of Subsection (c) hereof, the Bank shall defend, hold harmless and indemnify each of the Contractor and Goldstein (hereinafter collectively referred to as
“Indemnitee”) in any threatened, pending or completed action, suit or proceeding, whether formal or informal and whether civil, criminal, administrative, arbitrative or investigative (any of the foregoing being a
“Proceeding”), by reason of the fact that it or he is or was (a) performing the usual and customary duties of chief financial officer of the Bank, (b) serving at the request of the Bank as a director, officer,
partner, trustee, employee or agent of another foreign or domestic corporation, partnership, joint venture, trust, employee benefit plan or other entity or as a member of any committee or 

  

 4 

 
council, or (c) named in a report filed by the Bank under the Securities Exchange Act of 1934, from and against all costs, liabilities, obligations,
expenses (including reasonable attorneys’ fees), judgments, fines (including an excise tax assessed with respect to an employee benefit plan) and amounts paid in settlement actually and reasonably incurred by it or him in connection with such
Proceeding, to the fullest extent permitted by the laws of the State of Georgia and, to the extent not inconsistent therewith, Federal laws (including without limitation the Federal Home Loan Bank Act), as currently in effect or as they may
hereafter be amended. 
 (b) Insurance Policies. 
 (i) In the reasonable business judgment of the Bank’s Board of Directors, the Bank may purchase and maintain, for its own benefit and for the benefit of Indemnitee, one or more valid, binding and enforceable
policy or policies of directors and officers insurance (“D&O Insurance”). It is the express intent of the Bank that Goldstein be an “Executive” and thus an “Insured Person” for the purpose of the
D&O Insurance. 
 (ii) In the reasonable business judgment of the Board of Directors, but without limiting the full discretion of the
Board of Directors to create or not create a fund or to otherwise secure or not secure the Bank’s indemnification obligations under this Agreement, the Board of Directors may create a fund of any nature, which may, but need not, be irrevocable
or under the control of a trustee, or otherwise secure or insure in any manner its obligations to indemnify and advance expenses to the Indemnitee and to other officers and directors of the Bank, whether arising under or pursuant to this Agreement
or any similar agreement or otherwise. The Indemnitee shall be an intended beneficiary of any such fund or arrangement. 
 (c) Limitations
on Indemnity 
 No indemnity pursuant to this Agreement shall be made by the Bank: 
 (i) to the extent of any liability for which any Indemnittee is paid pursuant to any D&O Insurance; 
 (ii) if a final judgment or other final adjudication by a court having jurisdiction in the matter shall determine that such indemnity is not lawful;

 (iii) in respect to remuneration paid to any Indemnitee, if a final judgment or other final adjudication by a court having jurisdiction in
the matter shall determine that such remuneration was not lawful; 
 (iv) for acts or omissions that involve fraud, intentional misconduct or
a knowing violation of law by any Indemnitee; or 
 (v) for any conduct for which any Indemnitee is adjudged liable on the basis that it or
he improperly received a personal benefit. 
  

 5 

 (d) Notification and Defense of Claim 
 (i) Promptly after receipt by Indemnitee of notice of the commencement of any Proceeding, Indemnitee will, if a claim in respect thereto is to be made
against the Bank under this Agreement, notify the Bank of the commencement thereof. Such notification shall include all documents and other information necessary for the Bank to determine whether Indemnitee is entitled to indemnification and
reasonably available to Indemnitee. The failure so to notify the Bank will not relieve the Bank from any liability except to the extent that the Bank is prejudiced by such failure. With respect to any such Proceeding as to which Indemnitee so
notifies the Bank: 
 (1) the Bank will be entitled to participate therein at its own expense; and 
 (2) except as otherwise provided below, to the extent that it may wish, the Bank may assume the defense thereof. 
 (ii) After notice from the Bank to Indemnitee of its election to assume the defense thereof, the Bank will not be liable to Indemnitee under this
Agreement or otherwise for any legal or other expenses subsequently incurred by Indemnitee in connection with the defense thereof other than reasonable costs of investigation or as otherwise provided below. Indemnitee shall have the right to employ
counsel of his choosing in such Proceeding but the fees and expenses of such counsel incurred after notice from the Bank of its assumption of the defense thereof shall be at the expense of Indemnitee unless (i) the employment of counsel by
Indemnitee has been authorized in writing by the Bank, (ii) the Bank and Indemnitee shall have reasonably concluded that there may be a conflict of interest between the Bank and Indemnitee in the conduct of the defense of such Proceeding, or
(iii) the Bank shall have failed or refused to employ counsel to assume the defense of such Proceeding, or shall have failed to diligently pursue such defense, in each of which cases the reasonable fees and expenses of Indemnitee’s counsel
shall be paid by the Bank. 
 (iii) The Bank shall not be liable to Indemnitee under this Agreement for any amounts paid in settlement of any
Proceeding without its prior written consent. The Bank, without Indemnitee’s prior written consent, shall not settle any such Proceeding in any manner which would in any way impose any penalty or limitation on Indemnitee, or if the terms of any
such settlement, directly or indirectly, could damage or affect the business or personal reputation of Indemnitee. Neither the Bank nor Indemnitee will unreasonably withhold his or its consent to any proposed settlement. 
 (iv) If the Bank and Indemnitee employ the same legal counsel in connection with a Proceeding and there develops a conflict of interest between the Bank
and Indemnitee in the conduct of the defense of such Proceeding, then Indemnitee agrees to employ different counsel (the reasonable fees and expenses of which shall be paid by the Bank) and to take all actions reasonably necessary to allow the Bank
to continue to employ the counsel employed by both the Bank and Indemnitee prior to such conflict arising. 
  

 6 

 (e) Prepayment of Expenses  
 Unless Indemnitee otherwise elects, reasonable fees and expenses incurred in defending any Proceeding will be paid by the Bank in advance of the final
disposition of such Proceeding upon receipt of a written agreement from Indemnitee in form and substance satisfactory to the Bank agreeing to repay any advances if it shall be ultimately determined that it or he is not entitled to be indemnified by
the Bank under this Agreement. 
 (f) Determination of Entitlement to Indemnification 
 Following notification by Indemnitee to the Bank of the commencement of a Proceeding pursuant to Subsection (d)(i) of this Agreement, unless ordered by a
court of competent jurisdiction, the determination of whether Indemnitee is entitled to indemnification pursuant to this Agreement shall be made by the following person or persons: (a) if there are two or more Disinterested Directors (as
defined below), then at the Bank’s option, and with notice to Indemnitee of the method for determination chosen by the Bank, (i) by the Board of Directors by a majority vote of all of the Disinterested Directors (a majority of whom shall
for such purpose constitute a quorum), (ii) by a majority of the members of a committee of two or more Disinterested Directors appointed by a vote described in the preceding clause (i), or (iii) by special legal counsel selected in the
manner described in the preceding clause (i); or (b) if there are fewer than two Disinterested Directors, by special legal counsel selected by the Board of Directors (in which selection directors who do not qualify as Disinterested Directors
may participate). “Disinterested Director” means a member of the Board of Directors who both (i) is not a party to the Proceeding giving rise to the indemnification claim and (ii) does not have a familial,
financial, professional or employment relationship with Indemnitee, which relationship would, in the circumstances, reasonably be expected to exert an influence on the judgment of such member of the Board of Directors when voting on the decision
being made. 
 (g) Continuation of Indemnity 
 The Bank’s indemnification obligations under this Agreement shall remain in effect for the Term of this Agreement. All agreements and obligations of the Bank and Indemnitee contained in this Agreement shall
continue thereafter so long as Indemnitee is or becomes subject to any Proceeding instituted with regard to acts or omissions on the part of Indemnitee while performing the usual and customary duties of chief financial officer of the Bank, or while
serving at the request of the Bank as a director, officer, partner, trustee, employee or agent of another foreign or domestic corporation, partnership, joint venture, trust, employee benefit plan or other entity or as a member of any committee or
council, if such acts or omissions occurred during the Term in which this Agreement was in effect. 
 (h) Reliance 
 The Bank has entered into the indemnification obligations under this Agreement in order to induce Indemnitee to perform the usual and customary duties of
chief financial 

  

 7 

 
officer of the Bank, and acknowledges that Indemnitee is relying upon this Agreement with respect thereto. 
 (i) Effect of Bylaw Amendment 
 Any
amendment to or repeal of the bylaws of the Bank relating to indemnification of officers and directors shall not affect in any way the Bank’s agreements and obligations under this Agreement or alter the indemnification provided to Indemnitee
under this Agreement. 
 (j) Payments 
 Any payment required to be made pursuant to the indemnification provisions of this Agreement shall be made as promptly as practicable after the obligation to make the payment and the amount of the payment have been
determined. 
  

	11.	Assignment 

 No assignment by Contractor of
this Agreement or any of its rights, duties or obligations hereunder, shall be binding on the Bank without the Bank’s prior written consent. 
  

	12.	Entire Agreement 

 Other than the
Non-Disclosure and Confidentiality Agreement (the “Confidentiality Agreement”), dated as of April 11, 2007, between the Bank and Contractor, this Agreement contains the entire agreement of the parties relating to the
provision of Services, and except for such Confidentiality Agreement, it supersedes all prior agreements and understandings between the parties related to this subject matter, including the Original Services Agreement and the Indemnification
Agreement. 
  

	13.	No Alteration, Change or Amendment Without Signed Writing 

 This Agreement may not be altered, changed or amended except by a writing signed by each of the parties hereto. 
  

	14.	Waiver 

 The waiver by either party of a
breach of any provision of this Agreement by the other party shall not operate or be construed as a waiver by the waiving party of any subsequent similar or other breach by the other party. 
  

	15.	Governing Law 

 This Agreement shall be
construed according to the laws of Georgia. 
  

	16.	Jurisdiction and Venue 

 Any proceedings or
actions commenced hereunder shall be brought exclusively in any state or federal court within Fulton County, Georgia. 
  

 8 

	17.	Execution in Counterparts 

 This Agreement
may be executed in any number of counterparts, each of which, when executed, shall be deemed to be an original and all of which together shall constitute one and the same document. 
  

	18.	Acknowledgement of Opportunity to Review and Rules of Construction 

 The parties acknowledge that they have had an opportunity to review each and every provision contained in this Agreement and to submit the same to legal counsel for review and comment. Based on the foregoing, the
parties agree that any rule of construction that a contract be construed against the drafter will not be applied in the interpretation and construction of this Agreement. 
  

	19.	Severability 

 The invalidity or
unenforceability of any provisions of this Agreement, whether in whole or in part, shall not in any way affect the validity and/or enforceability of any other provision of this Agreement. Any invalid or unenforceable provision shall be deemed
severable to the extent of any such invalidity or unenforceability. 
  

	20.	Third Party Beneficiaries 

 Other than
Goldstein, there are no third party beneficiaries of this Agreement, and no party other than the Bank and Contractor shall have any legal rights hereunder, except for Goldstein pursuant to the indemnification provisions applicable to him.

  

	21.	Limitation of Liability 

 IN NO EVENT
WILL EITHER PARTY BE LIABLE TO THE OTHER FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, MULTIPLE, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, GUARANTEE, PRODUCT LIABILITY OR
STRICT LIABILITY OR ANY OTHER LEGAL OR EQUITABLE GROUNDS, EVEN IF SUCH PARTY HAS BEEN ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL A PARTY BE LIABLE TO THE OTHER FOR ANY REPRESENTATION OR WARRANTY MADE TO ANY THIRD PARTY
BY THE OTHER PARTY. 
  

 9 

	22.	Notices 

 Any and all notices referred to
herein shall be in writing and shall be deemed to have been given when personally delivered or when mailed, registered or certified mail, postage prepaid, to the following addresses: 
 To the Bank: 
 Attn: President and Chief
Executive Officer 
 Federal Home Loan Bank of Atlanta 
 1475 Peachtree Street, NE 
 Atlanta, GA 30309 
 With a copy to: 
 Attn: General Counsel

 Federal Home Loan Bank of Atlanta 
 1475 Peachtree Street, NE 
 Atlanta, GA 30309 
 To Contractor and Goldstein: 
 SJG Financial Consultants, LLC 
 1640 Misty Oaks Drive 
 Atlanta, Georgia 30350

 [Signatures appear on following page.] 
  

 10 

 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their duly
authorized representatives. 
  

			
	FEDERAL HOME LOAN BANK OF ATLANTA
		
	By:	 	/s/ Richard A. Dorfman
		 	Richard A. Dorfman, President and Chief Executive Officer
	
	SJG FINANCIAL CONSULTANTS, LLC
		
	By:	 	/s/ Steven J. Goldstein
		 	Steven J. Goldstein, Manager

  

	
	FOR PURPOSES OF SECTION 6(b) AND SECTION 10 ONLY:
	
	/s/ Steven J. Goldstein
	Steven J. Goldstein

  

 11

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