Document:

Exhibit
10.3

 

STOCK
PURCHASE AGREEMENT

 

This
STOCK PURCHASE AGREEMENT (this “Agreement”) is made as of January 18, 2022 by and among DSS, Inc., a
New York Corporation, or its designated subsidiary (collectively, the “Buyer”), and Alset EHome International,
Inc. and its subsidiaries (collectively, the “Seller”).

 

RECITALS

 

WHEREAS,
Seller and Buyer are executing and delivering this Agreement in reliance upon the exemption from securities registration afforded by
Section 4(a)(2) of the Securities Act of 1933, as amended (the “Securities Act”), and Rule 506(b) of Regulation
D (“Regulation D”) as promulgated under the Securities Act; 

 

WHEREAS,
True Partner International Limited (“True Partner International”) is the owner of 62,122,908 shares of common
stock True Partner Capital Holding Limited, a Cayman Islands company (“True Partner”);

 

WHEREAS,
Seller is the owner of 100% of the shares of common stock of True Partner International and the beneficial owner of the 62,122,908 shares
of common stock of True Partner held by True Partner International;

 

 

WHEREAS,
the Seller wishes to sell 100% of the common stock of True Partner International (the “True Partner International Common
Stock”) and 62,122,908 shares of common stock, HK$0.01 par value per share, of True Partner (the “True Partner
Common Stock,” and, together with the True Partner International Common Stock, the “True Partner Shares”)
to Buyer in exchange for 11,397,080 shares of common stock, $0.02 par value per share, of the Buyer (the “DSS Common Stock”),
upon the terms and conditions set forth in this Agreement.

 

WHEREAS,
the Buyer wishes to purchase 62,122,908 shares of True Partner Common Stock from Seller in exchange for 11,397,080 shares of DSS Common
Stock, upon the terms and conditions set forth in this Agreement.

 

NOW,
THEREFORE, in consideration of the mutual covenants contained in this Agreement, and for other good and valuable consideration,
the receipt and adequacy of which are hereby acknowledged, Seller and Buyer hereby agree as follows:

 

1.
SALE AND PURHCASE OF SHARES.

 

1.1
SALE. On the terms and subject to the conditions set forth in this Agreement, at the Closing Seller will sell, convey, transfer and
assign to Buyer, free and clear of all liens, pledges, encumbrances, changes, restrictions or known claims of any kind, nature or description,
and Buyer will purchase and accept from Seller, the 62,122,908 shares of True Partner Common Stock, in the aggregate (the “True
Partner Shares”),

 

    	1

     

    

 

1.2
PURCHASE. In consideration therefor, Buyer will convey, transfer and assign to Seller, and Seller will accept from Buyer, 11,397,080
shares of newly-issued shares of DSS Common Stock, in the aggregate (the “DSS Shares”) (such purchase and sale
referred to as the “Purchase”).

 

2.
REPRESENTATIONS AND WARRANTIES.

 

2.1 REPRESENTATIONS
AND WARRANTIES BY THE SELLER. The Seller represents and warrants to Buyer as follows as of the date hereof:

 

(a) Organization
and Good Standing. Seller is duly organized, validly existing and in good standing under the laws of its jurisdiction of incorporation
or organization, as the case may be.

 

(b) Requisite
Power and Authority. Seller has all necessary power and authority to execute and deliver this Agreement and the other agreements
and instruments entered into or delivered by any of the parties hereto in connection with the transactions contemplated hereby and thereby
(the “Transaction Documents”) and to carry out their provisions. All action on Seller’s part required
for the execution and delivery of this Agreement and the other Transaction Documents has been taken. Upon its execution and delivery,
this Agreement and the other Transaction Documents will be valid and binding obligations of Seller, enforceable in accordance with their
respective terms, except (a) as limited by applicable bankruptcy, insolvency, reorganization, moratorium or other laws of general application
affecting enforcement of creditors’ rights, and (b) as limited by general principles of equity that restrict the availability of
equitable remedies.

 

(c) No
Violations. The execution and delivery of the Transaction Documents, and the consummation by the Seller of the transactions contemplated
thereby, does not (i) result in a violation of either the Certificate of Incorporation or By-laws of the Seller, or (ii) constitute a
default under (or an event which with notice or lapse of time or both could become a default) or give to others any rights of termination,
amendment or cancellation of, any material agreement, indenture or instrument to which the Seller is a party unless the same shall have
been waived or consented to by the other party, or result in a violation of any law, rule, regulation, order, judgment or decree (foreign
or domestic and including federal and state securities laws and regulations) applicable to the Company or by which any material property
or asset of the Seller is bound or affected other than any of the foregoing which would not have a Material Adverse Effect.

 

(d) Good
Title. The True Partner shares owned by the Seller are owned free and clear of any lien, encumbrance, adverse claim, restriction
on sale, transfer or voting (other than restrictions imposed by applicable securities laws), preemptive right, option or other right
to purchase, and upon the consummation of the sale of such True Partner Shares as contemplated hereby, the Buyer will have good title
to such True Partner Shares, free and clear of any lien, encumbrance, adverse claim, restriction on sale, transfer or voting (other than
restrictions imposed by applicable securities laws), preemptive right, option or other right to purchase.

 

    	2

     

    

 

(e) Investment
Representations.

 

		(i)	Seller
                                            understands that the DSS Shares have not been registered under the Securities Act of 1933,
                                            as amended (the “Securities Act”) or any other applicable securities laws.
                                            Seller also understands that the DSS Shares are being offered pursuant to an exemption from
                                            the registration requirements of the Securities Act, under Section 4(2) and/or Regulation
                                            D of the Securities Act. Seller acknowledges that the Buyer will rely on Seller’s representations,
                                            warranties and certifications set forth below for purposes of determining Seller’s
                                            suitability as an investor in the DSS Shares and for purposes of confirming the availability
                                            of the Section 4(2) and/or Regulation D exemption from the registration requirements of the
                                            Securities Act.

 

		(ii)	Seller
                                            has received all the information it considers necessary or appropriate for deciding whether
                                            to acquire the DSS Shares. Seller understands the risks involved in an investment in the
                                            DSS Shares. Seller further represents that it, through its authorized representatives, has
                                            had an opportunity to ask questions and receive answers from the Buyer regarding the terms
                                            and conditions of the offering of the DSS Shares and the business, properties, prospects,
                                            and financial condition of DSS, Inc. and to obtain such additional information (to the extent
                                            the Buyer possessed such information or could acquire it without unreasonable effort or expense)
                                            necessary to verify the accuracy of any information furnished to Seller or to which Seller
                                            had access. Seller further represents that it is an “accredited investor” within
                                            the meaning of Rule 501(a) of the Securities Act.

 

		(iii)	Seller
                                            is acquiring the DSS Shares for its own account for investment only and not with a view towards
                                            their resale or “distribution” (within the meaning of the Securities Act) of
                                            any part of the DSS Shares.

 

    	3

     

    

 

		(iv)	Seller
                                            understands that the DSS Shares may not be offered, sold or otherwise transferred except
                                            in compliance with the registration requirements of the Securities Act and any other applicable
                                            securities laws or pursuant to an exemption therefrom, and in each case in compliance with
                                            the conditions set forth in this Agreement. Seller acknowledges and is aware that the DSS
                                            Shares may not be sold pursuant to Rule 144 adopted under the Securities Act unless certain
                                            conditions are met and until Seller has held the DSS Shares for the applicable holding period
                                            under Rule 144.

 

		(v)	Seller
                                            acknowledges and agrees that each certificate representing the DSS Shares, or book entry
                                            made in lieu of certificates, shall bear a legend substantially in the following form:

                                            

                                            “THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE
                                            SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), OR THE SECURITIES LAWS OF ANY
                                            STATE. THE SECURITIES MAY NOT BE TRANSFERRED EXCEPT PURSUANT TO AN EFFECTIVE REGISTRATION
                                            STATEMENT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN APPLICABLE
                                            EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF SUCH ACT AND SUCH LAWS.”

 

(f) No
Reliance. Seller has not relied on and is not relying on any representations, warranties or other assurances regarding DSS, Inc.
other than the representations and warranties expressly set forth in this Agreement.

 

2.2
REPRESENTATIONS AND WARRANTIES BY BUYER. Buyer represents and warrants to the Seller, as of the date hereof, as follows:

 

(a)
Organization and Good Standing. Buyer is duly organized, validly existing and in good standing under the laws of its jurisdiction
of incorporation or organization, as the case may be.

 

(b)
Requisite Power and Authority. Buyer has all necessary power and authority to execute and deliver this Agreement and the other
Transaction Documents and to carry out their provisions. All action on Buyer’s part required for the execution and delivery of
this Agreement and the other Transaction Documents has been taken. Upon its execution and delivery, this Agreement and the other Transaction
Documents will be valid and binding obligations of Buyer, enforceable in accordance with their respective terms, except (a) as limited
by applicable bankruptcy, insolvency, reorganization, moratorium or other laws of general application affecting enforcement of creditors’
rights, and (b) as limited by general principles of equity that restrict the availability of equitable remedies.

 

(c)
Issuance of DSS Shares. The DSS Shares have been duly authorized and, upon issuance in accordance with the terms hereof, shall
be validly issued and free from all taxes, liens and charges with respect to the issue thereof, and the DSS Shares shall be fully paid
and non-assessable with the holder being entitled to all rights accorded to a holder of DSS Common Stock.

 

    	4

     

    

 

(d)
No Reliance. Buyer has not relied on and is not relying on any representations, warranties or other assurances regarding True
Partner other than the representations and warranties expressly set forth in this Agreement.

 

2.3
SURVIVAL OF REPRESENTATIONS AND WARRANTIES. The representations and warranties shall survive the Closing for a period of 12 months
and shall be fully enforceable at law or in equity against the parties and each party’s successors and assigns.

 

 3. CLOSING. 

 

3.1
Conditions to Seller’s Obligations. The obligations of Seller under this Agreement, (including, without limitation, the obligation
to transfer the True Partner Shares) shall be subject to satisfaction of the following conditions, unless waived by Seller: (i) Buyer
shall have performed in all material respects all agreements, and satisfied in all material respects all conditions on its part to be
performed or satisfied hereunder, at or prior to the Closing; (ii) all of the representations and warranties of the Buyer herein shall
have been true and correct in all respects when made, shall have continued to have been true and correct in all respects at all times
subsequent thereto, and shall be true and correct in all material respects on and as of the Closing as though made on, as of, and with
reference to such Closing; (iii) Buyer shall have executed and delivered to Seller all documents necessary to issue the DSS Shares to
Seller, as contemplated by this Agreement; (iv) Buyer shall have obtained or made, as applicable, all consents, authorizations and approvals
from, and all declarations, filings and registrations required to consummate the transactions contemplated by this Agreement, including
all items required under the incorporation document and bylaws of Buyer; (v) Buyer shall have received authorization from the New York
Stock Exchange (the “NYSE”) for the issuance of the DSS Shares; and (vi) the shareholders of Buyer shall have approved this
Agreement, and the consummation of the transactions contemplated hereby, including the issuance of the DSS Shares, as and to the extent
required by applicable laws, the rules and regulations of the NYSE or by the provisions of any governing instruments.

 

3.2
Conditions to Buyer’s Obligations. The obligations of Buyer under this Agreement, (including, without limitation, the obligation
to issue the DSS Shares as payment for the transfer by Seller of the True Partner Shares) shall be subject to satisfaction of the following
conditions, unless waived by Buyer: (i) Seller shall have performed in all respects all agreements, and satisfied in all respects all
conditions on their part to be performed or satisfied hereunder, at or prior to the Closing; (ii) all of the representations and warranties
of Seller herein shall have been true and correct in all material respects when made, shall have continued to have been true and correct
in all material respects at all times subsequent thereto, and shall be true and correct in all material respects on and as of the Closing
as though made on, as of, and with reference to such Closing; (iii) Seller shall have executed and delivered to Buyer all documents necessary
to transfer the True Partner Shares to Buyer, as contemplated by this Agreement; and (iv) Seller shall have obtained or made, as applicable,
all consents, authorizations and approvals from, and all declarations, filings and registrations required to consummate the transactions
contemplated by this Agreement, including all items required under the incorporation document and bylaws of Seller.

 

    	5

     

    

 

3.3
Closing Documents. At the Closing

 

(a) Seller
shall deliver to Buyer, in form and substance reasonably satisfactory to Buyer (i) a duly executed copy of this Agreement, together with
any other Transaction Documents (ii) certificates evidencing the True Partner Shares, together with stock powers duly for such certificates
to allow such certificates to be registered in the name of Buyer, or evidence of such book-entry transfer of the True Partner Shares
to Buyer; (iii) copies of resolutions adopted by the board of directors of Seller and certified by the Secretary of Seller authorizing
the execution and delivery of, and performance of Seller’s obligations under, this Agreement.

 

(b) Buyer
shall deliver to Seller, in form and substance reasonably satisfactory to Seller (i) a duly executed copy of this Agreement, together
with any other Transaction Documents (ii) certificates evidencing the DSS Shares, together with stock powers duly for such certificates
to allow such certificates to be registered in the name of Seller, or evidence of such book-entry transfer of the DSS Shares to Seller;
(ii) copies of resolutions adopted by the board of directors of Buyer and certified by the Secretary of Buyer authorizing the execution
and delivery of, and performance of Buyer’s obligations under, this Agreement.

 

4. MISCELLANEOUS.

 

4.1
ADDRESSES AND NOTICES. Any and all notices or other communications or deliveries required or permitted to be provided hereunder
shall be in writing and shall be deemed given and effective on the earliest of (a) the date of transmission, if such notice or
communication is delivered via e-mail transmission prior to 5:00 P.M., New York City time, on a trading day, (b) the next trading
day after the date of transmission, if such notice or communication is delivered via e-mail transmission on a day that is not a
trading day or later than 5:00 P.M., New York City time, on any trading day, (c) the trading day following the date of mailing, if
sent by U.S. nationally recognized overnight courier service with next day delivery specified, or (d) upon actual receipt by the
party to whom such notice is required to be given. The address and e-mail address for such notices and communications shall be as
follows:

 

	If
    to Buyer to:	DSS,
    Inc.

    6
    Framark Drive

    Victor,
    New York 14564

    Attention:
    Frank Heuszel

    Telephone:

    Email:

	 	 
	If
    to Seller to:	Alset
    EHome International Inc.

    4800
    Montgomery Lande, Suite 210

    Bethesda,
    Maryland 20814

    Attention:
    Michael Gershon

    Telephone:

    Email:

	 	 
	With
    copies to:	Sichenzia
    Ross Ference LLP

    1185
    Avenue of the Americas, 31st Floor New York, New York 10036

    Attention:
    Darrin M. Ocasio

    Facsimile
    No.:

    Email:

    	6

     

    

 

Any
such person may by notice given in accordance with this Section 4.1 to the other parties hereto designate another address or person
for receipt by such person of notices hereunder.

 

4.2
TITLES AND CAPTIONS. TITLES AND CAPTIONS. All Article and Section titles or captions in this Agreement are for convenience only.
They shall not be deemed part of this Agreement and do not in any way define, limit, extend or describe the scope or intent of any provisions
hereof.

 

4.3
  ASSIGNABILITY. This Agreement is not transferable or assignable by the undersigned.

 

4.4
PRONOUNS AND PLURALS. Whenever the context may require, any pronoun used herein shall include the corresponding masculine, feminine
or neuter forms. The singular form of nouns, pronouns and verbs shall include the plural and vice versa.

 

4.5
FURTHER ACTION. The parties shall execute and deliver all documents, provide all information and take or forbear from taking all
such action as may be necessary or appropriate to achieve the purposes of this Agreement. Each party shall bear its own expenses in connection
therewith.

 

4.6
APPLICABLE LAW. This Agreement shall be construed in accordance with and governed by the laws of the State of New York without regard
to its conflict of law rules.

 

4.7 BINDING
EFFECT. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, administrators,
successors, legal representatives, personal representatives, permitted transferees and permitted assigns. If the undersigned is more
than one person, the obligation of the undersigned shall be joint and several and the agreements, representations, warranties and acknowledgments
herein contained shall be deemed to be made by and be binding upon each such person and such person’s heirs, executors, administrators
and successors.

 

4.8 INTEGRATION.
This Agreement constitutes the entire agreement among the parties pertaining to the subject matter hereof and supersedes and replaces
all prior and contemporaneous agreements and understandings, whether written or oral, pertaining thereto, including without limitation,
the Prior Agreement. No covenant, representation or condition not expressed in this Agreement shall affect or be deemed to interpret,
change or restrict the express provisions hereof.

 

    	7

     

    

 

4.9 AMENDMENT.
Neither this Agreement nor any term or provision hereof may be amended, modified, waived or supplemented orally, but only by a written
consent executed by the parties hereto.

 

4.10 CREDITORS.
None of the provisions of this Agreement shall be for the benefit of or enforceable by creditors of any party

 

4.11 WAIVER.
No failure by any party to insist upon the strict performance of any covenant, agreement, term or condition of this Agreement or
to exercise any right or remedy available upon a breach thereof shall constitute a waiver of any such breach or of such or any other
covenant, agreement, term or condition.

 

4.12 RIGHTS
AND REMEDIES. The rights and remedies of each of the parties hereunder shall be mutually exclusive, and the implementation of one
or more of the provisions of this Agreement shall not preclude the implementation of any other provision.

 

4.13 COUNTERPARTS.
This Agreement may be executed in one or more counterparts, each of which will be deemed to be an original copy of this Agreement
and all of which, when taken together, will be deemed to constitute one and the same agreement. In the event that any signature is delivered
by facsimile transmission or by e-mail delivery of a “.pdf” format data file, such signature shall create a valid and binding
obligation of the party executing (or on whose behalf such signature is executed) with the same force and effect as if such facsimile
or “.pdf” signature page were an original thereof.

 

SIGNATURES
ON THE FOLLOWING PAGES

 

    	8

     

    

 

IN
WITNESS WHEREOF, the parties have caused this Agreement to be duly executed by their respective representatives hereunto authorized as
of the day and year first above written.

 

	 	By
    Seller:
	 	 
	 	ALSET
    EHOME INTERNATIONAL INC.
	 	 	 
	 	By:	/s/ Heng
    Fai Ambrose Chan
	 	Name:	Heng
    Fai Ambrose Chan
	 	Title:	Chief
    Executive Officer
	 	 	 
	 	By
    Buyer:
	 	 
	 	DSS,
    INC.
	 	 	 
	 	By:	/s/ Frank
    D. Heuszel
	 	Name:	Frank
    D. Heuszel
	 	Title:	Chief
    Executive Officer

 

    	9Exhibit 10.1

 

MUTUAL TERMINATION AGREEMENT

 

This MUTUAL TERMINATION AGREEMENT (the “Agreement
 ”) is made and entered into as of January 20, 2022, between BLUE RIDGE BANKSHARES, INC., a Virginia corporation (“BRBS”),
and FVCBANKCORP, INC., a Virginia corporation (“FVCB”).

 

RECITALS

 

WHEREAS, BRBS and FVCB have entered into that certain
Agreement and Plan of Reorganization, dated as of July 14, 2021 (the “Merger Agreement”). Any capitalized
term used but not otherwise defined herein shall have the meaning set forth in the Merger Agreement.

 

WHEREAS, Section 7.1(a) of the Merger
Agreement provides that the Merger Agreement may be terminated by the mutual consent in writing of BRBS and FVCB.

 

WHEREAS, the Boards of Directors of BRBS and FVCB
have determined that it is in the best interests of their respective companies and their respective shareholders to terminate the Merger
Agreement in accordance with the terms hereof.

 

AGREEMENT

 

NOW, THEREFORE, in consideration of the mutual
covenants, representations, warranties and agreements contained herein, and intending to be legally bound hereby, the parties agree as
follows:

 

1.            The
parties hereto mutually agree to terminate the Merger Agreement, effective as of the execution of this Agreement, such agreement constituting
the requisite mutual agreement and written consent required to terminate the Merger Agreement pursuant to Section 7.1(a) of
the Merger Agreement and otherwise as may be required pursuant to applicable law.

 

2.            BRBS
and FVCB each agree that the Merger Agreement is hereby and forthwith void and without effect, and notwithstanding anything in the Merger
Agreement (including Section 7.2 thereof) to the contrary, none of BRBS, FVCB, any of their respective affiliates or any of the officers
or directors of any of them shall have any liability of any nature whatsoever under the Merger Agreement or in connection with the transactions
contemplated by the Merger Agreement or the termination thereof, except that Section 5.2(c) of the Merger Agreement and the
Confidentiality Agreement (as amended as set forth herein) shall survive such termination of the Merger Agreement.

 

3.            The
joint press release of BRBS and FVCB announcing the termination of the Merger Agreement pursuant to this Agreement is set forth on Exhibit A
hereto. Each party agrees that the press release will be jointly issued at 5:00 p.m., Eastern Time, on January 20, 2022. For a period
of two (2) years from and after the date of this Agreement, neither party shall make any public statements regarding the transactions
contemplated by the Merger Agreement or the termination of the Merger Agreement, except for statements that are consistent with those
set forth in such press release, in the joint press release of BRBS and FVCB issued on November 4, 2021, or as required by applicable
law.

 

     

     

    

 

4.            Other
than as BRBS or FVCB may determine is factually accurate and, based on advice of counsel, necessary (a) to respond to any legal or
regulatory process or proceeding or (b) to give testimony or file any documents in any legal or regulatory proceeding, each of BRBS
and FVCB, on behalf of itself and its Subsidiaries, officers and directors, agrees that for a period of two (2) years from and after
the date of this Agreement, it will not, and will not authorize, induce or encourage any other person to, directly or indirectly, make
any public or private statements or other communications that disparage, denigrate or malign the other party or its Subsidiaries or Representatives.

 

5.            Within
ten (10) business days of the date of this Agreement, each party shall redeliver to the other party or destroy all Evaluation Material
(as defined in the Confidentiality Agreement) of the other party subject to and in accordance with paragraph 3 of the Confidentiality
Agreement. Paragraph 8 of the Confidentiality Agreement is hereby amended as follows: the phrase “twelve (12) months from the date
of this agreement” is deleted and replaced in its entirety with the phrase “twelve (12) months from the date of the Mutual
Termination Agreement, dated as of January 20, 2022, between the parties”.

 

6.            Each
party hereby represents and warrants to the other party that (a) such party has full corporate power and authority to execute and
deliver this Agreement, (b) the execution and delivery of this Agreement, the termination of the Merger Agreement and consummation
of the other transactions contemplated hereby have been duly and validly approved by the Board of Directors of such party, (c) no other
corporate proceedings on the part of such party are necessary to approve this Agreement or the termination of the Merger Agreement or
to consummate the other transactions contemplated hereby and (d) this Agreement has been duly executed and delivered by such party
and assuming due authorization, execution and delivery of this Agreement by the other party, this Agreement is a valid and legally binding
obligation, enforceable in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, fraudulent
transfer, reorganization, moratorium and similar laws affecting the enforcement of rights of creditors or by general principles of equity.

 

7.            This
Agreement may not be amended except by an instrument in writing signed on behalf of each of the parties hereto and duly approved by the
parties’ respective Boards of Directors. Any agreement on the part of a party hereto to any extension or waiver of the Agreement
shall be valid only if set forth in a written instrument signed on behalf of such party, but such extension or waiver or failure to insist
on strict compliance with an obligation, covenant, agreement or condition shall not operate as a waiver of, or estoppel with respect to,
any subsequent or other failure.

 

8.            All
costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby shall be paid by the party incurring
such expense.

 

    2 

     

    

 

9.            BRBS
and FVCB have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent
or interpretation arises, this Agreement shall be construed as if drafted jointly by BRBS and FVCB, and no presumption or burden
of proof shall arise favoring or disfavoring any party by virtue of the authorship of a provision of this Agreement. When a reference
is made in this Agreement to Sections or Exhibits, such reference shall be to a Section or an Exhibit of this Agreement unless
otherwise indicated. Whenever the word “including” is used in this Agreement, it shall be deemed to be followed by the words
 “without limitation.” The word “or” shall not be exclusive. As used herein, the term “person” means
any individual, corporation (including not-for-profit), general or limited partnership, limited liability company, joint venture, estate,
trust, association, organization, Governmental Authority or other entity of any kind or nature.

 

10.          Neither
this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by BRBS or FVCB (whether by operation of law
or otherwise) without the prior written consent of the other (which may be withheld by such other party in its sole discretion). Any
purported assignment in contravention hereof shall be null and void. Subject to the preceding sentence, this Agreement will be binding
upon, inure to the benefit of and be enforceable by BRBS, FVCB and their respective successors and assigns. This Agreement (including
the documents and instruments referred to herein) is not intended to confer upon any person other than the parties hereto any rights
or remedies hereunder, including the right to rely upon the representations and warranties set forth herein.

 

11.          This
Agreement, including the exhibits hereto, and the Confidentiality Agreement contain the entire agreement between BRBS and FVCB with respect
to the matters referenced herein and, except as specifically set forth herein, supersedes all prior arrangements or understandings with
respect thereto.

 

12.          This
Agreement shall be governed by, and construed in accordance with, the laws of the Commonwealth of Virginia without regard to the conflict
of law principles thereof. The parties hereby consent and submit to the exclusive jurisdiction and venue of any state or federal court
located in the Commonwealth of Virginia.

 

13.          All
notices, requests and other communications given or made under this Agreement must be in writing and will be deemed given (a) when
personally delivered or delivered by e-mail (with confirmation); (b) on the date received if sent by commercial overnight delivery
service; or (c) on the third business day after being mailed by registered or certified mail (return receipt requested) to the persons
and addresses set forth below or such other place as such party may specify by notice.

 

If to BRBS:

 

Brian K. Plum

President and Chief Executive Officer

Blue Ridge Bankshares, Inc.

1807 Seminole Trail

Charlottesville, Virginia 22911

E-mail: bplum@mybrb.com

 

    3 

     

    

 

with a copy to:

 

Scott H. Richter

Williams Mullen

200 S. 10th Street, Suite 1600

Richmond, Virginia 23219

E-mail: srichter@williamsmullen.com

 

If to FVCB:

 

David W. Pijor

Chairman and Chief Executive Officer

FVCBankcorp, Inc.

11325 Random Hills Rd., Suite 240

Fairfax, Virginia 22030

E-mail: dpijor@fvcbank.com

 

with a copy to:

 

Gregory F. Parisi

Troutman Pepper Hamilton Sanders LLP

401 9th Street, NW, Suite 1000

Washington, DC 20004

E-mail: gregory.parisi@troutman.com

 

14.          This
Agreement may be executed in any number of counterparts, each of which shall be an original, but such counterparts together shall constitute
one and the same agreement. This Agreement may be executed by facsimile signature or other electronic transmission signature and such
signature shall constitute an original for all purposes.

 

15.          Each
party hereto acknowledges and agrees that any controversy which may arise under this Agreement is likely to involve complicated and difficult
issues, and therefore each party hereby irrevocably and unconditionally waives any right such party may have to a trial by jury in respect
of any litigation, directly or indirectly, arising out of or relating to this Agreement or the transactions contemplated by this Agreement.
Each party certifies and acknowledges that (a) it understands and has considered the implications of this waiver and (b) it
makes this waiver voluntarily.

 

16.          The
parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed in accordance with the
terms hereof and, accordingly, that the parties shall be entitled to an injunction or injunctions to prevent breaches or threatened breaches
of this Agreement or to enforce specifically the performance of the terms and provisions hereof, in addition to any other remedy to which
they are entitled at law or in equity. Each of the parties hereby further waives (a) any defense in any action for specific performance
that a remedy at law would be adequate and (b) any requirement under any law to post security or a bond as a prerequisite to obtaining
equitable relief.

 

    4 

     

    

 

17.          In
the event that any provision of this Agreement shall be held invalid or unenforceable by any court of competent jurisdiction, such holding
shall not invalidate or render unenforceable any other provisions hereof. Any provision of this Agreement held invalid or unenforceable
only in part or degree shall remain in full force and effect to the extent not held invalid or unenforceable. Further, the parties agree
that a court of competent jurisdiction may reform any provision of this Agreement held invalid or unenforceable so as to reflect the intended
agreement of the parties hereto.

 

[Signature Page Follows ]

 

    5 

     

    

 

     IN
WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their respective officers thereunto duly authorized
as of the date first above written.

 

		BLUE RIDGE BANKSHARES, INC.
	 	 
	 	 
		By:  	/s/ Brian K. Plum
		 	Brian K. Plum
		 	President and Chief Executive Officer
	 	 
	 	 
		FVCBANKCORP, INC.
	 	 
	 	 
		By:   	/s/David W. Pijor
		 	David W. Pijor
		 	Chairman and Chief Executive Officer

 

    6 

     

    

 

Exhibit A

 

Joint Press Release

 

[See attached]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00338-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00338-of-00352.parquet"}]]