Village Bank & Trust Financial Corp. | Business Contracts

Outside Directors Deferral Plan, as amended and restated effective January 1, 2023 (Filed With SEC on March 20, 2023)

Amended and Change of Control Agreement, dated August 24, 2022, by and between Village Bank and Christy F. Quesenbery (Filed With SEC on March 20, 2023)

Description of Village Bank and Trust Financial Corp.s Securities (Filed With SEC on March 20, 2023)

Supplemental Executive Retirement Plan, as amended and restated effective November 27, 2018 (Filed With SEC on March 25, 2022)

Outside Directors Deferral Plan, as amended and restated effective November 19, 2013 (Filed With SEC on March 25, 2022)

Description of Village Bank and Trust Financial Corp.s Securities (Filed With SEC on March 25, 2022)

Change of Control Agreement, dated February 22, 2022, by and between Village Bank and James C. Winn (Filed With SEC on February 25, 2022)

Employment Agreement, dated February 22, 2022, by and between Village Bank and Trust Financial Corp. and Donald M. Kaloski, Jr (Filed With SEC on February 25, 2022)

Description of Village Bank and Trust Financial Corp.s Securities (Filed With SEC on March 19, 2021)

Village Bank 2020 Supplemental Executive Retirement Plan for James E. Hendricks, Jr., effective December 30, 2020 (Filed With SEC on March 2, 2021)

Employment Agreement, dated September 4, 2020, by and between Village Bank and Trust Financial Corp. and Max C. Morehead, Jr (Filed With SEC on September 10, 2020)

Change of Control Agreement, dated August 24, 2020, by and between Village Bank and Christy F. Quesenbery (Filed With SEC on August 28, 2020)

Transition and Consulting Agreement, dated August 4, 2020, by and between Village Bank and Trust Financial Corp. and William G. Foster, Jr (Filed With SEC on August 10, 2020)

Employment Agreement, dated July 28, 2020, by and between Village Bank and Trust Financial Corp. and James E. Hendricks, Jr (Filed With SEC on July 31, 2020)

Change of Control Agreement, dated March 24, 2020, by and between Village Bank and Max C. Morehead, Jr (Filed With SEC on March 26, 2020)

Change of Control Agreement, dated March 24, 2020, by and between Village Bank and Trust Financial Corp. and Donald M. Kaloski, Jr (Filed With SEC on March 26, 2020)

Description of Village Bank and Trust Financial Corps Securities (Filed With SEC on March 16, 2020)

Village Bank and Trust Financial Corp. Deferred Compensation Plan (Filed With SEC on November 22, 2019)

Change of Control Agreement, dated May 1, 2018, by and between Village Bank and Max C. Morehead, Jr (Filed With SEC on March 29, 2019)

Village Bank & Trust Financial Corp. (19)