Common Contracts

Village Bank and Trust Financial Corp. 15521 Midlothian Turnpike Midlothian, VA 23113 Ladies and Gentlemen:

Village Bank & Trust Financial Corp. • January 15th, 2015 • State commercial banks • Virginia

• Company
  Village Bank & Trust Financial Corp.
• Filed
  January 15th, 2015
• Industry
  State commercial banks
• Jurisdiction
  Virginia

This letter ("Engagement Letter" or the "Agreement") is to confirm the engagement of Compass Point Research & Trading, LLC ("Compass") and Boenning & Scattergood Inc. ("Boenning") (together the "Co-Managers") by Village Bank and Trust Financial Corp. (the "Company") as Co-Managers for a standby rights offering (or any other offering of common equity) of the Company's equity securities (the "Offering").

July 18, 2014

Village Bank & Trust Financial Corp. • November 12th, 2014 • State commercial banks • Virginia

• Company
  Village Bank & Trust Financial Corp.
• Filed
  November 12th, 2014
• Industry
  State commercial banks
• Jurisdiction
  Virginia

This letter ("Engagement Letter" or the "Agreement") is to confirm the engagement of Compass Point Research & Trading, LLC ("Compass") and Boenning & Scattergood Inc. ("Boenning") (together the "Co-Managers") by Village Bank and Trust Financial Corp. (the "Company") as Co-Managers for a standby rights offering (or any other offering of common equity) of the Company's equity securities (the "Offering").