Document:

EX-10.1

 Exhibit 10.1 

CONSULTING AGREEMENT 

This Consulting Agreement (this “Agreement”) is made and entered into as of October 14, 2015, by
and between Citizens Business Bank, a California banking corporation (the “Company”), and Joseph D. Kreutz, an individual (“Consultant”). 

RECITALS 

A. The Company is party to an Agreement and Plan of Reorganization and Merger by and among CVB Financial Corp., the Company and County
Commerce Bank dated as of October 14, 2015 (the “Merger Agreement”) pursuant to which County Commerce Bank will merge with and into the Company (the “Merger”). 

B. Consultant is the president and chief executive officer of County Commerce Bank. 

C. The Company desires to retain Consultant’s services so that Consultant will be available to provide various services to the Company
following the Merger, as and when requested by the Company and as mutually agreed between the Company and Consultant. 

AGREEMENT 

NOW, THEREFORE, based on the foregoing premises and in consideration of the agreements
contained herein, the parties hereto hereby agree as follows: 
 1. Appointment and Acceptance. The Company hereby retains
Consultant to provide the Services (as defined in Section 2 below) during the Term (as defined in Section 5(a) below) and Consultant hereby agrees to render the Services to the Company during the Term, in accordance with the terms and conditions set
forth in this Agreement. 
 2. Consulting Services. 

(a) Nature of Services. Throughout the Term, if and when requested by the Company, Consultant shall assist and advise the
Company in connection with assignments, projects, public appearances, promotional events, and third party disputes about which Consultant has knowledge, including but not limited to (i) organizing and serving as co-chair of a regional advisory board
with an executive of the Company, (ii) making customer retention calls, (iii) making customer introductions and introductory calls, (iv) assisting with employee retention, (v) attending regional banking events and receptions, (vi) working with
executives of the Company on marketing strategies, relationship expansion and cross-sell opportunities, (vii) promoting the Company’s business, products and services and (viii) such other matters as mutually agreed by the Company and Consultant
from time to time (the “Services”). In each case where the parties agree on specific Services to be performed by Consultant, Consultant shall diligently and timely perform those Services. Services shall
be requested by the Board of Directors of the Company or its designee, and in performing the Services, Consultant shall report to the Board of Directors or its designee. Nothing in this Agreement shall be construed to require the Company to request
that Consultant perform any particular Services, or any Services at all, all of which shall be subject to the sole and absolute discretion of the Company. 

(b) Availability. During the first six months of the Term, Consultant shall be available to perform the Services up to three
days each week. During the second six months of the Term, 

 
Consultant shall be available to perform the Services up to two days per week. In addition, during the Term, Consultant shall be reasonably available to attend special events at the reasonable
request of the Company. Consultant shall not be required to be available to perform Services for more than eight (8) hours on any single day single day. 

(c) Limitations. Consultant acknowledges and agrees that he has no right or authority to bind the Company to any agreement,
contract or undertaking without the express, prior written approval of the Company. 
 (d) Prohibition on Conflicting Activities.
Consultant agrees that, during the Term, Consultant will not directly engage in any consulting arrangements, employment, occupation that conflict with Consultant’s obligations to the Company under this Agreement without the consent of the
Company. 
 (e) Permitted Activities. Consultant may engage in any business or other activities that are not prohibited by
this Agreement or are otherwise approved in writing by the Company. 
 3. Consultant’s Compensation. The Company shall
pay Consultant consulting fees in the amount of (i) $12,500 per month during the first six (6) months of the Term and (ii) $8,333 per month during the second six (6) months of the Term, which is an aggregate of $125,000 over the Term. The Company
shall pay Consultant his consulting fees through its regular accounts payable schedule. The parties acknowledge and agree that this is the only compensation Consultant will be paid under this Agreement, and the Company has no obligation to pay any
additional compensation for the performance of Services. A completed W-9 will be required at contract signing. 
 4. Reimbursement
of Expenses: Provision of Other Resources. 
 (a) Expenses. The Company will promptly reimburse Consultant for his
reasonable and documented expenses incurred in the performance of Services during the Term in accordance with the Company’s expense reimbursement policies, including business mileage (but not commuting mileage) at the Company’s usual rates
and the expenses of a mobile phone to be used for Company business. 
 (b) Office. During the Term, the Company shall provide
Consultant with an office to enable him to perform him Services, which shall be the office he has previously used as the president and chief executive officer of County Commerce Bank located at 2400 East Gonzales Road, Oxnard, California, unless the
Company closes or relocates such office. The office shall include a computer for Consultant’s use. 
 5. Term and
Termination. 
 (a) Term. The term of this Agreement (the “Term”) shall commence on the effective date of
the Merger and shall terminate on the earliest of (i) the one-year anniversary of the effective date of the Merger, (ii) a termination by either party under Section 5(b) or (iii) the death of Consultant. Upon termination for death of the Consultant,
the Company shall pay to Consultant’s estate any amounts due but unpaid through the date of death, but shall have no further obligations under this Agreement. 

(b) Termination. Either the Company or Consultant may terminate this Agreement upon a material breach by the other party. In
addition, this Agreement shall terminate automatically without further action in the event that the Merger Agreement is terminated prior to the Merger. 

  
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 6. Noncompetition and Nonsolicitation Agreement. Consultant acknowledges and
reaffirms his obligations under the Noncompetition and Nonsolicitation Agreement dated as of October 14, 2015, which shall continue in effect until such agreement is terminated in accordance with its terms, provided however, the
definitions and protective provisions therein shall be read to include the customers, potential customers, employees and trade secrets of the Bank in addition to those of County Commerce Bank. Otherwise, this Agreement does not amend, supplement,
modify or otherwise affect such Noncompetition and Nonsolicitation Agreement. 
 7. Relationship of Parties. 

(a) Nature of Contract. The parties hereto acknowledge and agree that Consultant is an independent contractor and is not an
agent, partner or employee of the Company, and has no authority to bind the Company in any manner. Consultant acknowledges and agrees that he is not entitled to participate in any employee welfare or retirement plans or programs of the Company
(including, without limitation, medical insurance, life insurance, paid leave, vacation, sick leave, pension, profit sharing, disability) and hereby waives all right to participate in such plans or programs. 

(b) Taxes. Consultant shall report as income the compensation paid pursuant to this Agreement and any and all other
consideration received by Consultant under this Agreement. The Company shall not withhold, deduct or otherwise be responsible for any federal, state or local income or employment taxes or make any contributions on behalf of Consultant relating to
the compensation received by Consultant under this Agreement. 
 8. Miscellaneous. 

(a) Survival of Provisions following Termination. Sections 6, 7 and 8 shall survive the termination of this Agreement for any
reason. 
 (b) Assignment. This Agreement is personal to Consultant and Consultant may not assign or delegate any rights
hereunder. The Company may assign this Agreement or any interest herein to (i) any entity which is a party to a merger or consolidation with the Company or (ii) any entity that acquires all or substantially all of the assets of the Company. 

(c) Governing Law. This Agreement shall be deemed to have been executed and delivered within the State of California, and the
rights and obligations of the parties hereunder shall be construed and enforced in accordance with, and governed by, the laws of the State of California without regard to principles of conflict of laws. 

(d) Attorneys’ Fees. The prevailing party in any dispute under this Agreement shall be entitled to recover its reasonable
costs and attorneys’ fees from the other party. 
 (e) Severability. If any provision of this Agreement is determined to
be illegal, invalid or otherwise unenforceable by a court of competent jurisdiction, then to the extent necessary to make such provision or this Agreement legal, valid or otherwise enforceable, such provision shall be limited, construed or severed
and deleted from this Agreement, and the remaining portion of such provision and the remaining other provisions hereof shall survive, remain in full force and effect and continue to be binding, and shall be interpreted to give effect to the
intention of the parties hereto insofar as that is possible. 
 (f) Entire Agreement. This Agreement, and the agreements
executed in connection with this Agreement, set forth the entire understanding of the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements, written or oral, between them concerning such subject
matter. This is an integrated agreement. 

  
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 (g) Headings. The descriptive headings of the several Sections of this Agreement
are inserted for convenience only and do not constitute a part of this Agreement. 
 (h) Amendment, Modification and Waiver.
This Agreement and its provisions may not be amended, modified or waived except in a writing signed by Consultant and the Company. 
 (i)
Notices. All notices, requests, demands and other communications under this Agreement shall be in writing, and shall be deemed to have been duly given on the date of delivery if delivered personally on the party to whom notice is to be
given, or on the second business day after mailing if mailed to the party to whom notice is to be given, by first class mail, registered or certified, postage prepaid, and properly addressed as follows: 

 

							
	To Company:	 	 	 	 Citizens Business Bank
 701 North Haven
Avenue
 Ontario, California 91754

Attn: Christopher D. Myers, President &

            Chief Executive Officer
	  	 
				
	To Consultant:	 		 	 	  	

 Either party may change its address for purposes of this Section by giving the other party written notice of
the new address in the manner set forth above. 
 (j) Counterparts. This Agreement may be executed in one or more
counterparts, all of which shall be considered one and the same agreement and shall become effective when one or more counterparts have been signed by each party hereto and delivered to each party hereto. 

[Signature page follows] 

  
 4 

 IN WITNESS WHEREOF, the
parties hereto have signed this Consulting Agreement as of the date first set forth above. 
  

			
	Citizens Business Bank
		
	By:	 	/s/ Christopher D. Myers
		 	 Christopher D. Myers
 President & Chief
Executive Officer

  

	
	Consultant
	
	/s/ Joseph D. Kreutz
	Joseph D. Kreutz

  
 5EXPORTER SERVICES AGREEMENT

 

This Exporter
Services Agreement (this “Agreement”) is effective as of the date of the agreement is 12/19/2015 (the “Effective
Date”) and is by and between AmericaTowne, Inc., a Delaware corporation doing business at 4700 Homewood Court, Suite
100 Raleigh, North Carolina 27609 USA (“AmericaTowne”), and Millenia Systems Limited (“Millenia”)
doing business at Nelleon Place, Rhapta Road, P. O. Box 28027 -00100 Nairobi, Kenya (“Exporter”). AmericaTowne
and Exporter are collectively referred to as the “Parties” or each individually as a “Party”.

 

WHEREAS, AmericaTowne
is a publicly reporting company with the United States Securities and Exchange Commission (the “SEC”). Through
those agreements disclosed in AmericaTowne’s filings, it represents herein that it has the exclusive right, title and interest
in certain intellectual property rights and other assets used in the introduction, maintenance and facilitation of the exportation
of consumer goods into, amongst other countries, China, through the use of an international import trade platform (“AmericaTowne’s
Exporting Business”).

 

WHEREAS,
AmericaTowne’s Exporting Business consists or will consist of exhibition, showroom and display facilities, support office(s)
and staff located in the United States and China, and the platform consists or will consist of a buyer’s network, and online
websites either directly owned by AmericaTowne or in a partnership with third-parties in order to support the exhibition center,
showroom and network to market imported goods and services to consumers in China (collectively referred to as the “AmericaTowne
Platform”).

 

WHEREAS,
the AmericaTowne Platform is designed to save Exporter time, money, and other resources in testing the market to determine if a
demand exists for their product or service in China. AmericaTowne will use its buyer’s network, and staff in China and elsewhere
to make its commercially reasonable best efforts to promote, distribute and market throughout the Exporter’s goods and services
and identify potential buyers and other business relationships for the Exporter’s goods or services.

 

WHEREAS, AmericaTowne’s
Exporting Business compliments, in certain circumstances, specific businesses under separate agreement with AmericaTowne through
Management Services and Lease Agreements (“Management Agreement”). The Parties agree that unless otherwise
agreed, the Exporter is not subject to the rights, duties or obligations under the Management Agreement; rather, the rights, duties
and obligations set forth herein are distinct from those under the Management Agreement. The Parties agree that to the extent they
are or shall become parties to a Management Agreement, this Agreement and the Management Agreement shall be merged forming a fully
integrated agreement under Delaware law, and shall be read consistent with each other.

 

WHEREAS, the Parties
agree that these recitals are not mere statements but statements in which they have each relied on in entering into this Agreement.

 

NOW, THEREFORE,
for the consideration stated herein, the Parties agree as follows:

 

1. Term
and Termination. This Agreement shall be effective on the Effective Date. This Agreement shall expire fifteen (15) years after
the Effective Date, unless otherwise extended herein pursuant to Section 7, or terminated early as provided below for breach of
a representation, warranty or term or condition of performance. The Parties agree that termination of this Agreement does not terminate
AmericaTowne’s right to a Transaction Fee under Section 6(c).

 

2. Good and
Services Offered Through The AmericaTowne Platform. The goods and services covered by the AmericaTowne Platform, and the types
of goods directed to wholesalers, agents, resellers or consumers, through online websites in China or physical locations, includes,
but is not limited to, the following:

 

(a)Imported
food, agricultural, fishery and forestry products, personal care and daily necessities products, home decoration, accessories,
and handicraft;

 

(b) Imported
aviation industry, aircraft and helicopter and general aviation sales, training, maintenance, and parts, operations, club and financing,
yachts; jewelry, and other luxury items;

 

(c)Imported
hospital equipment and supplies, and medical equipment and supplies; general machinery, computers, electronics, equipment and supplies;

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(d)Leisure
community development, and senior care facilities, senior care products, and senior care services;

 

(e)Imported
high-end technology, other imported items and investment and financial services; and/or

 

(f)Other
goods or services deemed appropriate by AmericaTowne based on its expertise and experience in the target markets.

 

3. The
AmericaTowne Platform Membership. For the consideration set forth herein, and pursuant to the terms and conditions of this
Agreement, AmericaTowne hereby grants a membership license to Exporter to test, market and sample the Exporter’s goods and
services in China and any other proper location. The Exporter membership solely pertains to exporting precious metals, agricultrul,
and other areas as AmericaTowne Inc. designates.

 

4. Sample
and Test Market Program. For the consideration set forth herein, AmericaTowne shall provide Exporter with access to and participation
in a sample and test market program assessing market acceptance and demand of their products or services through its “Sample
and Test Market Program,” which incorporates the following terms and conditions (where expanded or contracted where deemed
necessary):

 

(a)Exporter
may send samples or examples of products or services, respectively, to the AmericaTowne Platform, and if deemed strategically beneficial
by AmericaTowne, Exporter may send specific videos, brochures and other promotional material to explain, show, and demonstrate
the products or services features to the Chinese consumer and or wholesale customers;

 

(b)AmericaTowne
agrees that Exporter, other than the consideration set forth herein, shall not be charged any extra amounts for participation in
the Sample and Test Market Program;

 

(c)Exporter
agrees to be responsible for those costs associated with packaging, shipping and other reasonable and commercially acceptable costs
to send the samples to the AmericaTowne Trading Platform, including where applicable, Value Added Tax (VAT) or custom costs;

 

(d)Upon
receipt of samples, brochures, and other promotional and marketing materials, AmericaTowne will be responsible for displaying Exporter’s
goods and services in its online portal, and/or exhibition and showroom facilities in China, as well as marketing Exporter’s
products through marketing channels. AmericaTowne, in conjunction with any representative of Exporter, will exercise commercially
reasonable discretion in determining how Exporter’s products and services are exhibited in the AmericaTowne Trading Platform;

 

(e)AmericaTowne
will use its best efforts to match Exporter with an end buyer of its products or services. Exporter agrees that there is no assurance
that a demand for its product will exist or an end buyer will be found. The Sample and Test Market Program allows Exporter an opportunity
to (i) test the demand and market for its products and service by exhibiting it products or service in the AmericaTowne Platform,
and (ii) receive follow-on orders for its products or services, if a demand and buyers exist, without expending normal costs for
exporting; and

 

(f)Exporter
has one-year from the Effective Date to participate in the Sample and Test Market Program. Afterwards, provided no transaction
has occurred in the AmericaTowne Trading Platform, Exporter agrees to pay a fee equal to 25% of the original Service fee within
thirty (30) days (the “Extension Fee”). To the extent the Extension Fee is not paid, Exporter’s participation
and membership in the Sample and Test Program terminates. In the event of termination, the Parties agree that the balance of this
Agreement remains in full force and effect.

 

5. Accepted Market Program.
Provided that AmericaTowne concludes that the Sample and Test Market Program has resulted in market demand and target consumers
for Exporter’s goods and services, AmericaTowne will notify Exporter within a commercially reasonable time of its opinions,
conclusions and recommendations, and in turn, provide the following services (the “Accepted Market Program”):

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(a)Advise
Exporter in the negotiation of price, and terms and conditions of sale of Exporter’s goods and/or services;

 

(b)Assist
Exporter in all phases of the exporting process, including but not limited to, labeling and preparation for exporting, customs
inspection and clearance, shipping, warehousing, and payment; and

 

(c)Propose
form and substance of purchase orders to be presented to the target buyer setting forth, amongst other things, terms and conditions
of sale, costs, and payment to the Exporter (or its assignee or designee) with AmericaTowne being responsible for currency exchange
into United States dollars;

 

(d)AmericaTowne
will advise Exporter of the various components of the selling price including, but not limited to, normal product costs, shipping
costs, other related expenses, and customs and VAT. Exporter will make the final determination of its sale price offered to the
buyer;

 

(e)AmericaTowne
will advise Exporter on available incentives and accommodations as a result of AmericaTowne operating out of a Bonded Port Zone
in China, such as, but not limited to, making the determination that the buyer assumes VAT and customs costs by including such
costs in the price of the product or service, and reduced warehousing and logistics product costs in China;

 

(f)From
time to time state and federal agencies will have marketing and promotional programs to assist small businesses in exporting their
products and services. AmericaTowne will work with Exporter, where warranted, to take advantage of the various funding, grants
and promotional opportunities available;

 

(g)In
certain cases, special certification will be required from the appropriate authorities in China, prior to export of Exporter’s
goods and/or services in conjunction with an end buyer’s purchase order. In such a case, AmericaTowne will assist Exporter
in securing the proper certification. Exporter agrees to be responsible for all costs of such certification. Prior to any such
certification action, AmericaTowne will advise Exporter, and Exporter will have the sole discretion to determine if a certification
is to be obtained, and understand if such certification is obtained, Exporter (or its assignee or designee) is responsible for
the costs of certification.

 

6. Consideration.
Exporter agrees to pay the following consideration for the services set forth herein:

 

			

(a)Service
Fee and Deliverables. Subject to Section 6(c), Exporter agrees to pay AmericaTowne a nonrefundable service fee of $55,000.00
USD on the Effective Date (the “Service Fee”). The Service Fee is recognized when deliverables are provided. The Service
Fee is paid for deliverables including a market analysis, review of proposed goods and services, expectations for supply and demand
in the market, how to conduct export business in China, information on financing, the export tax savings programs, and selecting
and assigning a sister tax saving company. The Service Fee is to be paid as follows: $3,500 upon signing this agreement; and monthly
payments of $1,431 a month for thirty-six months. The first monthly payment will start on 15 February 2016, and run for 36 consecutive
months. At the discretion of AmericaTowne Inc. the Exporter may be required to sign a note for outstanding service fees. In addition
AmericaTowne Inc. at its sole discretion may exchange other assets or items of value for payments due.

 

(b)Transaction
Fee. Exporter agrees to pay a Transaction Fee for each transaction between Exporter and the end buyer arranged through or facilitated
by AmericaTowne in the amount of 8% (the “Transaction Fee”). The Transaction Fee shall include the services provided
by AmericaTowne in the AmericaTowne Platform, Sample and Test Market Program, and if applicable, Accepted Market Program. The Transaction
Fee shall be recognized as revenue after the transactions is completed. The Transaction Fee shall be first deducted by AmericaTowne
from the amount the end buyer owes Exporter, plus other fees, if any, agreed to by Exporter with the balance remitted to Exporter
within two (2) days of receipt from the end buyer, unless commercial circumstances dictate additional time.

    	-3- 

    	 

    

 

 

(c)Refund
of Service Fee. From time to time there may be products or services that are on the restricted import list in China. If Exporter’s
product or service is on this list, AmericaTowne will advise Exporter of such restriction and Exporter will be entitled to a refund
of the Service Fee minus any setoffs due under this Agreement, i.e. outstanding Transaction Fee. This Section 6(c) shall be null
and void upon termination of this Agreement, as provided for in Section 1, above.

 

7. Extension of Term.
Provided Exporter’s goods and services are in demand and Exporter is processing sales generating Transaction Fees, as set
forth in Section 6, within fifteen (15) years from the Effective Date, Exporter shall have an option to (a) continue with its membership
under Section 2 at no additional fee, or (b) option of developing single point of sales, distribution, networking, and logistics
facilities separate and distinct from AmericaTowne for a mutually agreeable reduced rate, which shall be agreed upon in writing
prior to thirty (30) days from the termination of fifteen (15) years from the Effective Date. The Exporter has the option of choosing
option (b) above at its discretion.

 

8. Right to Use Promotional
Material and Ownership of Samples. Exporter grants AmericaTowne exclusive rights to use the marketing and promotional material
provided by Exporter and Exporter certifies that it has complied with any and all intellectual property rights pertaining to the
material provided. Any and all Exporter samples sent to the AmericaTowne Platform shall become the property of AmericaTowne once
received and will be solely used to promote and market Exporter’s products or service within AmericaTowne Platform.

 

9. Country of Origin
Taxes and Fees. Exporter agrees that it is solely responsible for paying any and all taxes, if required, to the country of
origin of the goods and services. For purchase and sales orders received after the Sample and Test Market Program, Exporter agrees
that any customs and VAT payable in China will be paid by either including any such taxes in the end buyer’s purchase price
in the purchase order, and paying such taxes upon payment by buyer or paying such taxes directly to customs prior to the goods
being accepted by the buyer.

 

10. Liability and Claims.
AmericaTowne shall in no circumstance be liable to Exporter or authorized users of the AmericaTowne Platform for any error, mistake,
misuse, delay, loss or omission whatsoever and howsoever occurring in communications between them or the level of safety with which
they are conducted. Exporter unconditionally and irrevocably undertakes that it will not make any claim either legal or equitable
against the Company, its affiliates and/or agents for any losses, damages, costs or expenses that it may suffer or incur as a result
of or otherwise in connection with such error, mistake, misuse, delay, loss or omission.

 

11. Indemnity. Exporter
agrees to fully and unconditionally indemnify and hold AmericaTowne, and its agents, representatives, contractors, attorneys and
employees harmless against any claims, damages, penalties, losses or any expenses howsoever incurred as a result of or in connection
with (i) any breach or alleged breach of representation, warranty or undertaking given by the exporter herein; (ii) any infringement
or alleged infringement of intellectual property rights, including but not limited to patents, registered designs, copyrights or
trade mark infringement arising as a result of the insertion of any material by Exporter or any agent of Exporter in AmericaTowne’s
website and/or AmericaTowne Platform; (iii) any claim that the material involves false or deceptive advertising or sale practices;
(iv) any claim arising or in connection with proof of quality and/or (v) any third party claims whatsoever arising in or derived
from or as a result of the insertion or providing any material by Exporter.

 

12. Proof of Quality.
All statements, claims or representations (“Claims”) in material submitted by Exporter for its products or services
regarding the quality of its products or services must be (a) accompanied by a clear and written reference in the material to the
independent survey, research or other source upon which the Claims are based; and (b) supported by the relevant independent survey,
research or other source, a copy of which must be provided to AmericaTowne.

 

13. Representations
and Warranties of Exporter. Exporter hereby represents and warrants to AmericaTowne as follows:

    	-4- 

    	 

    

 

 

(a)This
Agreement has been duly and validly executed and delivered by an authorized person and constitutes Exporter’s legal, valid
and binding obligation, enforceable against it in accordance with its terms; and that the execution, delivery and performance of
this Agreement is within the signator’s legal capacity and power; has been duly authorized by all requisite action on the
signator’s part; requires the approval or consent of no other persons; and neither violates nor constitutes a default under
the (a) provision of any law, rule, regulation, order, judgment or decree to which Exporter is subject or which is binding upon
Exporter, or (ii) the terms of any other agreement, document or instrument applicable to Exporter or binding upon it.

 

(b)That,
in the event of any breach by Exporter of any of its warranties, undertakings and/or other provisions of this Agreement, AmericaTowne
shall have the right at its sole and absolute discretion to remove from the AmericaTowne Platform any material or samples placed
by Exporter and/or to terminate this Agreement immediately without notice, in which case AmericaTowne shall not be liable to refund
the Service Fee or any earned, but yet paid, Transaction Fee for such material so removed and Exporter hereby undertakes that it
will not make any claims both legal or equitable against AmericaTowne, its employees, contractors, attorneys and/or agents for
any losses, damages, costs or expenses that it may suffer or incur as a result of or otherwise in connection with such removal.

 

(c)Exporter
represents and warrants that it shall act in good faith in all respects and undertakes that (i) no third party intellectual property
rights or any other rights will be infringed as a result of the publication of any listing on the AmericaTowne Platform or any
website utilized by AmericaTowne in featuring Exporter’s products or services and/or in any material supplied by Exporter
to AmericaTowne in relation to or otherwise in connection with Exporter’s products or services; (ii) all of Exporter’s
products or services comply with and will comply with all applicable laws and regulations, including without limitation, those
relating to advertising; (iii) Exporter has obtained all necessary consents and licenses for using the products or services; and
(iv) Exporter, if exporting US origin automobiles, will only export used automobiles, at no time will the Exporter attempt to export
new automobiles from the US to China through the AmericaTowne Platform.

 

(d)Exporter
agrees that AmericaTowne reserves the sole and absolute discretion to decline to publish any material if it reasonably suspects
that Exporter may involve the infringement of intellectual property rights or other rights of any third party, unless Exporter
can, within three (3) business days of being requested to do so, provide evidence to the satisfaction of the AmericaTowne that
it has the right to place use the material in question and/or the material does not infringe any intellectual property rights of
any third party. Exporter agrees that AmericaTowne shall remove the material immediately if it reasonably suspects that the material
may involve the infringement of intellectual property rights or other rights of any third party, unless it subsequently determines,
using its own discretion, that the material does not infringe any intellectual property rights of any third party.

			

(e)“While
engaged in exporting, the Exporter warrants and agrees that it will use the services of an Interest Charge - Domestic International
Sales Corporation (IC-DISC) to maximize its tax savings. AmericaTowne Inc. at its sole discretion will determine the IC-DISC the
Exporter (Licensee) will use. The costs and tax savings for utilizing the services of the IC-DISC shall be determined and agreed
to by the Exporter and the assigned IC-DISC. Failure to use a IC-DISC designated by AmericaTowne will result in a default under
the agreement.”

 

(f)EXPORTER
ACKNOWLEDGES AND AGREES THAT IT HAS READ THIS AGREEMENT AND AGREE TO ALL ITS TERMS AND CONDITIONS. EXPORTER HAS INDEPENDENTLY EVALUATED
THE DESIRABILITY OF PARTICIPATING IN THE AMERICATOWNE PLATFORM, SAMPLE AND TEST MARKET PROGRAM,
AND IF APPLICABLE, ACCEPTED MARKET PROGRAM AND IS NOT RELYING ON ANY REPRESENTATION, GUARANTEE, OR STATEMENT OTHER THAN
AS SET FORTH IN THIS AGREEMENT.

 

14. Representations
and Warranties of AmericaTowne. AmericaTowne hereby represents and warrants to Exporter as follows:

 

(a)It
shall provide Exporter to a full-time staff in China to provide support and assistance, and to identify a network of potential
buyers in China for Exporter’s products and services;

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(b)It
shall provide and coordinate any and all actions and procedures for customs and inspection clearance procedures and methods for
Exporter that will allow them to clear customs and inspection in China in a prompt manner;

 

(c)It
shall provide methods and procedures for Exporter’s products and services to be sampled and displayed in the AmericaTowne
Platform;

 

(d)It
shall exercise commercially reasonable efforts to ensure that Exporter shall pay the least amount of VAT and other taxes required
by the laws of China in full compliance with the laws of China;

 

(e)It
shall exercise commercially reasonable efforts in providing various financial programs to assist and support buyers in purchasing
products from Exporter; and

 

(f)It
shall exercise commercially reasonable efforts to ensure high-level government officials from the Africa, USA and China in commerce,
trade, investments and policy are invited to review and participate in the AmericaTowne Platform.

 

15. Relationship of
Parties. The Parties agree that AmericaTowne is an independent contractor, and nothing in this Agreement will create any partnership,
joint venture, agency, franchise, or employment relationship between them.

 

16. Limitation of Liability.
Exporter agrees that AmericaTowne will not be liable for any indirect, incidental, special, or consequential punitive or multiple
damages, including without limitation any damages resulting from loss of use, loss of business, loss of revenue, loss of profits,
or loss of data, arising in connection with this Agreement, AmericaTowne’s performance of services or of any other obligations
relating to this Agreement, even if AmericaTowne has been advised of the possibility of such damages. The foregoing limitation
of liability shall apply regardless of the cause of action under which such damages are sought.

 

17. Disclaimers of Warranty.
AmericaTowne makes no express or implied warranties or representations with respect to the AmericaTowne Platform, Sample and Test
Market Program, or Accepted Market Program (including, without limitation, warranties of fitness for a particular purpose, merchantability,
non-infringement, or any implied warranties arising out of a course of performance, dealing, or trade usage). In addition, AmericaTowne
makes no representation that the operation of the AmericaTowne Platform (including exhibition showrooms, websites and other network
properties) will be uninterrupted or error-free, and AmericaTowne will not be liable for the consequences of any interruptions
or errors.

 

18. Settlement of Disputes.
The Parties agree to use their best efforts to settle any dispute arising from the interpretation or performance in connection
with this Agreement through negotiations. In case no settlement can be reached, subject to Section 25 or Section 26, below,
either Party may submit such matter to the American Arbitration Association (“AAA”).The proceedings shall be conducted
in English and be conducted in Mecklenburg County, North Carolina, the United States of America. The arbitration award shall be
final and binding upon the Parties. This Section shall not be influenced by the termination or elimination of this Agreement. Each
Party shall continue to perform its obligations in good faith according to the provisions of this Agreement except for the matters
in dispute.

 

19. Force Majeure.
Force Majeure, which includes but is not limited to, acts of governments, acts of nature, fire, explosion, typhoon, flood, earthquake,
tide, lightning, war, means any event that is beyond the Party’s reasonable control and cannot be prevented with reasonable
care. However, any shortage of credit, capital or finance shall not be regarded as an event of Force Majeure. The affected Party
who is claiming to be not liable to its failure of fulfilling this Agreement by Force Majeure shall inform the other Party, without
delay.

 

20. Notices. Notices
or other communications required to be given by any Party pursuant to this Agreement shall be written in English and shall be deemed
to be duly given when it is delivered by email to the address stated below, or as subsequently supplemented, or by regular United
States mail to the addresses identified in the introductory paragraph of this Agreement.

    	-6- 

    	 

    

 

 

21. Severability.
Any provision of this Agreement that is invalid or unenforceable because of any inconsistency with relevant law shall be ineffective
or unenforceable within such jurisdiction where the relevant law governs, without affecting in any way the remaining provisions
hereof.

 

22. Amendments and Supplement.
Any amendment and supplement of this Agreement shall come into force only after Parties sign a written document.

 

23. Governing Law; Consent
to Jurisdiction. This Agreement will be governed, construed and enforced in accordance with and governed by the laws of the
United States and the State of Delaware applicable to agreements made and to be performed in such jurisdiction without reference
to conflicts of law principles.

 

24. Attorney’s
Fees. If a Party shall commit a material breach of a term hereof, such party shall pay to the successful party all of the successful
party’s costs and expenses, including, without limitation, attorneys’ and expert witness fees, incurred by such party
in enforcing the terms of this Agreement.

 

25. Confidentiality.
The Parties agree that, by virtue of this Agreement, they may receive or become aware of information belonging or relating to the
other, its business, business plans, affairs or activities, which information is confidential and proprietary to the other party
and/or its suppliers and/or customers and in respect of which they are bound by a strict duty of confidence (“Confidential
Information”).

 

In consideration of such
Confidential Information being disclosed or otherwise made available to either Party for the purposes of the performance of this
Agreement, the Parties agree that they will not at any time, either before or after the termination of this Agreement, and either
directly or indirectly, disclose, divulge or make unauthorized use of any Confidential Information, except to the extent to which
such Confidential Information, is publicly known at the time of its disclosure or being made available to them; (b) after such
disclosure or being made available to them, becomes publicly known otherwise than through a breach of this provision; and/or (c)
disclosure is required by law, regulation or order of a competent authority (including any regulatory or governmental body or securities
exchange) by a Party, provided that, where practicable, the other Party is given reasonable advance notice of the intended disclosure.
The Parties agree that upon the earlier of a request from the other party or the termination of this Agreement, each Party shall
return to the other or destroy all documents or records in any medium or format containing any Confidential Information that are
in its possession or control and will not retain any copies of them, and the provisions of this Section 24 will continue without
limit of time, notwithstanding the termination of this Agreement for any reason.

 

This Section 25 does not
apply to AmericaTowne’s reporting obligations as a publicly-reporting company under the rules promulgated by the SEC.

 

The Parties irrevocably
consent that any legal action or proceeding against them under, arising out of or in any manner relating to this Section 24, may
be brought only in a court with jurisdiction located in, or the federal district court the district of which includes, Mecklenburg
County, North Carolina and the Parties each irrevocably consent to that venue and to the personal jurisdiction thereof. The Parties
hereby expressly and irrevocably waive any claim or defense in any action or proceeding based on any alleged lack of personal jurisdiction,
improper venue or forum non conveniens or any similar basis.

 

26. Noncompetition and
Noncircumvention. The Parties agree that each will refrain, directly or indirectly from utilizing information gained from the
other in a way other than as contemplated hereunder. Further, neither Party will circumvent the other by attempting to take advantage
of research and development performed by the other. The Parties agree that this Section 26 is an essential and material part of
this Agreement. As of the Effective Date, Exporter agrees that it will take no action to compete with or adversely affect AmericaTowne’s
efforts to secure funding, where necessary, primarily through Exim Bank and elsewhere under the guidance and the direction of AmericaTowne.
As such, no Party to this Agreement shall attempt to compete or circumvent in any way at any time the purpose of this Agreement
or those including the entities and people that have been charged to carry out this Agreement.

    	-7- 

    	 

    

 

 

The Parties irrevocably
consent that any legal action or proceeding against them under, arising out of or in any manner relating to this Section 26, may
be brought only in a court with jurisdiction located in, or the federal district court the district of which includes, Mecklenburg
County, North Carolina and the Parties each irrevocably consent to that venue and to the personal jurisdiction thereof. The Parties
hereby expressly and irrevocably waive any claim or defense in any action or proceeding based on any alleged lack of personal jurisdiction,
improper venue or forum non conveniens or any similar basis.

 

27. Successors and Assigns.
This Agreement shall be binding upon and shall inure to the benefit of the Parties and their respective successors and assigns.
Nothing in this Agreement shall be construed to create any rights in third parties as third-party beneficiaries or otherwise. This
Agreement shall not be assigned to any party.

 

28. Counterpart Signatures.
This Agreement may be executed in numerous counterparts, all of which shall be considered one and the same agreement. For purposes
of this Agreement, facsimile or electronic signatures shall be considered original signatures.

 

29. Assignment and Subcontracting.
This Agreement is personal to the Parties and, except to the extent necessary for the collection of outstanding bills through a
factoring agent, Exporter shall not without the prior written approval of the Company: (a) assign, mortgage, charge or otherwise
transfer or deal in, or create any trust over, any of its rights; or (b) subcontract or otherwise delegate the whole or any part
of its rights or obligations under this contract to another person.

 

IN WITNESS WHEREOF,
the Parties hereto have caused this Agreement to be duly executed on their behalf by a duly authorized representative.

 

AMERICATOWNE

 

 

 

By/s/ Alton Perkins                              Date12/19/2015

Alton Perkins, CEO

 

EXPORTER 

 

 

 

By/s/ Rosemary Moki                           Date12/21/2015

Rosemary Moki, President

    	-8-

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