Document:

Exhibit 10.2

August 2, 2012

 

BY E-MAIL and CERTIFIED MAIL

 

Database Integrations, Inc.

6770 Jamestown
Dr

Alpharetta,
GA 30005

 

Attention: Jackie Littlefield

Tel: 678-829-1352

 

Dear Jackie and Steven:

 

Re: Notice of Termination of Master
Clinical Research Service Agreement between Adherex Technologies Inc. and Database Integrations, Inc. effective as of December
10, 2010 (the “Agreement”)

 

Adherex Technologies Inc. (“Adherex”)
is hereby notifying Database Integrations, Inc. (“DBI”) that Adherex is exercising its right pursuant to Section 4(b)
to terminate the Agreement (and all Project Agreements under the Agreement) without cause to be effective thirty days hence.

 

Please note, however, that this termination
is without prejudice to all rights and remedies that Adherex has under the Agreement or at law for any breach of the Agreement
by DBI. Adherex expressly reserves all such rights and remedies.

 

	 	Sincerely,
	 	 
	 	ADHEREX TECHONOLGIES INC.
	 	 
	 	Robert Andrade
	 	CFO

 

PO Box 13628, 68 TW Alexander Drive Research
Triangle park, North Carolina 27709

Tel: (919) 636-4530 Fax: (919) 890-0490
www.adherex.comFIRST AMENDMENT TO

DEED OF SHAREHOLDERS AGREEMENT 

 

THIS FIRST AMENDMENT
TO DEED OF SHAREHOLDERS AGREEMENT relating to LUCID MARKETS TRADING LIMITED (this “Amendment”) dated as of August 7,
2012, by and among Dierk Reuter, Matthew Wilhelm, FXCM UK Merger Limited, FXCM Holdings, LLC and Lucid Markets Trading Limited
(collectively, the “Parties”).

 

STATEMENT OF PURPOSE:

 

The Parties have heretofore
executed the Deed of Shareholders Agreement relating to Lucid Markets Trading Limited, made and entered into as of June 21, 2012
(the “Shareholders Agreement”), with respect to the organization, management and operation of Lucid Markets Trading
Limited, a company incorporated in England and Wales (“LMT”). Capitalized terms used herein but not otherwise defined
herein shall have the meanings assigned thereto in the Shareholders Agreement.

 

The FXCM Parties have
requested that the Minority Shareholders amend certain provisions of the Shareholders Agreement and
willing to effect such amendment on the terms and conditions contained in this Amendment.

 

NOW THEREFORE, for
good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:

 

1.Amendments
to the Shareholders Agreement. Subject to the terms and conditions hereof and in accordance with the Shareholders Agreement, the
Shareholders Agreement is hereby amended as follows:

 

(a)          All
references to “JMP Trading Limited” in Section 2.01 of Section
2. are hereby replaced with the entity name “Woolard Trading Limited”. 

 

(b)         Section
2.3 of Section 2. BUSINESS is hereby deleted in its entirety and replaced with the following:

 

		2.3	Subject to Clause 2.4 and 2.6, each of the Parties
shall (in so far as it is able to do so) exercise its powers in relation to the Company and Lucid Markets LLP so
as to ensure that the Minority Shareholders have general managerial and day-to-day control of the Company or, following
the Post-Closing Hive Down, Lucid Markets LLP (provided that none of this shall extend to any activities that would exceed any
monetary or other limits in the most recently approved annual budget and operating plan of the Company or, following the Post-Closing
Hive Down, Lucid Markets LLP) and that any notice, consent, resolution, approval or other decision to
be made with respect to the Business, except in relation to any Reserved Matter, may be made by mutual agreement of the Minority
Shareholders, including:

 

		(a)	day-to-day decision making;

 

    	 

    	 

    

		(b)	appointing or terminating the Company’s or, following the Post-Closing
Hive Down, Lucid Markets LLP's officers, employees, consultants or any other staff member or service providers;

 

		(c)	determining and varying any allocation of profit sharing to Ordinary Members and the use and allocation
of any Ordinary Member Forfeited Assets held by the Company amongst the Ordinary Members;

 

		(d)	determining any expenditures;

 

		(e)	determining any matters relating to compliance;

 

		(f)	restricting the use of Intellectual Property outside the Company, or following the Post-Closing
Hive Down, outside Lucid Markets LLP;

 

		(g)	managing and initiating any relationship with brokers, exchanges/ECNs, service providers and any
other counterparties;

 

		(h)	determining the amount of working capital to be retained by the Company or, following the Post-Closing
Hive Down, Lucid Markets LLP; and

 

		(i)	approving any licensing or other agreements with any parties which are related to the Company or
Lucid Markets LLP.

  

(c)         Section
2.4 of Section 2. BUSINESS is hereby deleted in its entirety and replaced with
the following:

 

		2.4	Any notice, consent, resolution, approval or other decision relating to the following
matters ("Reserved Matters"), may only be made, given or otherwise effected with the prior approval of a majority
of the Board of Directors:

 

		(a)	determining the strategic directions of the Company or, following the Post-Closing Hive Down, Lucid
Markets LLP;

 

		(b)	approval of the Company’s or, following the Post-Closing Hive Down, Lucid Markets LLP's annual
budget and operating plan (and any changes to any such annual budget or operating plan).

 

		(c)	admission of any new members to Lucid Markets LLP, except for Hula
Leap Ltd (or any entity designated by Hula Leap Ltd);

 

		(d)	any non-trading investments by the Company or Lucid Markets LLP for an amount exceeding US$500,000;

 

		(e)	the Company or Lucid Markets LLP having net open positions with all brokers in aggregate which
at any time exceed US$ 150,000,000 or such other limit as the Guarantor may need to comply with any financing covenants by which
the Guarantor or its Affiliates are bound; provided that such limit shall not be lower than US$ 100,000,000 unless reduced because
of restrictions required by a third party such as a secured lender or regulator to Lucid Markets LLP, the Guarantor or its Affiliates;

 

    	 

    	 

    

		(f)	any material communication made by or on behalf of the Company or
Lucid Markets LLP with the Financial Services Authority or any successor thereof or any other entity which has the power to regulate
or supervise the activities of the Company or Lucid Markets LLP, provided that the Board shall make such communications as necessary
to continue the Existing Lucid Business and facilitate the Extended Lucid Business; and

 

		(g)	any change from 31 December to the accounting reference date of the
Company or Lucid Markets LLP.

 

2.            Counterparts.
This Amendment may be executed in counterparts (and by different parties hereto in different counterparts), each of which shall
constitute an original, but all of which when taken together shall constitute a single contract.

 

3.             Electronic Transmission.
This Amendment may be executed by one or more parties hereto as a facsimile, telecopy, pdf or other reproduction, and an executed
copy of this Amendment may be delivered by one or more parties hereto by facsimile, e-mail or other electronic transmission pursuant
to which the signature of or on behalf of such party can be seen, and such execution and delivery shall be considered valid, binding
and effective for all purposes.

 

[Remainder of page intentionally left blank]

 

    	 

    	 

    

 

IN WITNESS WHEREOF,
the undersigned has executed this First Amendment to Deed of Shareholders Agreement as of the date first above written. 

 

	 	DIERK REUTER
	 	By: /s/Dierk Reuter
	 	Name: Dierk Reuter
	 	 
	 	MATTHEW WILHELM
	 	By: /s/Matthew Wilhelm
	 	Name: Matthew Wilhelm
	 	 
	 	FXCM UK MERGER LIMITED
	 	By: /s/David Sakhai
	 	Name: David Sakhai
	 	Title: Director
	 	 
	 	FXCM HOLDINGS LLC
	 	By: /s/David Sakhai
	 	Name: David Sakhai
	 	Title: Chief Operating Officer of FXCM Inc., its Managing Member
	 	 
	 	LUCID MARKETS TRADING LIMITED
	 	By: /s/Dierk Reuter
	 	Name: Dierk Reuter
	 	Title: Director
	 	 
	 	By: /s/Matthew Wilhelm
	 	Name: Matthew Wilhelm
	 	Title: DirectorEMPLOYMENT AGREEMENT

 

THIS AGREEMENT is made this 1st
day of July, 2012, by and between CHINO COMMERCIAL BANK, N.A. (the "Bank"), having its main office at 14245 Pipeline
Avenue, Chino, California 91710, and DANN H. BOWMAN ("Executive"), whose residence address is 5481 Arena Way, Fontana,
California 92336.

 

WHEREAS, the Bank is a national
banking association, with power to own property and carry on its business as it is now being conducted;

 

WHEREAS, the Bank desires to avail
itself of the skill, knowledge and experience of Executive in order to insure the successful management of its business; and

 

WHEREAS, the parties hereto desire
to specify the terms and conditions of Executive's employment by the Bank;

 

NOW, THEREFORE, in consideration
of the mutual covenants hereinafter set forth, and intending to be legally bound, it is agreed that from and after July 1, 2012
(the "Effective Date"), the following terms and conditions shall apply to Executive's said employment:

 

A. TERM OF EMPLOYMENT 

 

1. Term. The Bank hereby
employs Executive and Executive hereby accepts employment with the Bank for the period of three (3) years (the "Term")
commencing with the Effective Date, subject, however, to prior termination of this Agreement, as hereinafter provided. Where used
herein, "Term " shall refer to the entire period of employment of Executive by The Bank hereunder, whether for the period
provided above, or whether terminated earlier as hereinafter provided.

 

B. DUTIES OF EXECUTIVE 

 

1. Duties. Executive
shall perform the duties of President and Chief Executive Officer of the Bank, subject to the powers by law vested in the Board
of Directors of the Bank and in the Bank's shareholders. During the Term, Executive shall perform exclusively the services herein
contemplated to be performed by Executive faithfully, diligently and to the best of Executive's ability, consistent with the highest
and best standards of the banking industry and in compliance with all applicable laws and the Bank's Articles of Association and
Bylaws.

 

2. Conflicts of Interest.
Except as permitted by the prior written consent of the Board of Directors of the Bank, Executive shall devote Executive's entire
productive time, ability and attention to the business of the Bank during the Term and Executive shall not directly or indirectly
render any services to any other person, firm or corporation, whether for compensation or otherwise, which are in conflict with
the Bank's interests. Notwithstanding the foregoing, Executive may make investments of a passive nature in any business or venture,
provided however, that such business or venture is neither in competition, directly or indirectly, in any manner with the Bank
nor a customer of the Bank.

 

    	 

    	 

    

 

C.   COMPENSATION 

 

1. Salary. For Executive's
services hereunder, the Bank shall pay or cause to be paid as annual base salary to Executive: One-Hundred, Seventy-Six Thousand,
Dollars ($176,000) for the first year of the Term, commencing July 1, 2012 and continuing through June 30, 2013; One-Hundred, Eighty-Five
Thousand, Dollars ($185,000) for the second year of the Term, commencing July 1, 2013 and continuing through June 30, 2014; and
One-Hundred, Ninety-Four Thousand, Dollars ($194,000) for the year of the Term, commencing July 1, 2014 and continuing through
June 30, 2015. Said salary shall be payable in equal installments in conformity with the Bank's normal payroll practice.

 

2. Bonuses. 

 

(a) Incentive Bonus Compensation
Executive shall receive annual incentive bonus compensation equal to five percent (5.0%) of the net income (after Federal and State
income taxes) of the Bank for each fiscal year during the Term. For purposes of this Paragraph C.2(a), net income shall be determined
based upon the Bank's audited annual financial statements and such bonus shall be payable to Executive upon certification of such
financial statements by the Bank's independent accountants.

 

(b ) Discretionary Bonuses.
In addition, Executive may receive such bonuses, if any, as the Board of Directors in its sole discretion shall determine.

 

D. EXECUTIVE BENEFITS

 

1. Vacation. Executive shall
be entitled to up to four (4) weeks of vacation for each remaining year of the Term, which vacation shall be taken at such times
as are agreed upon by Executive and the Board of Directors; provided, however, that during each year of the Term, Executive is
required to, and shall take at least five (5) days of said vacation (the "Mandatory Vacation"), which shall be taken
consecutively. Accrual for unused vacation time shall be determined in accordance with the Bank's Personnel Policy as if in effect
from time to time.

 

2.
Automobile. Commencing on the Effective Date and during the entire Term hereunder, the Bank shall pay to Executive
an automobile allowance of Six Hundred Dollars ($600) per month or furnish said Executive with a Bank-owned automobile.

 

3. Group Medical and Life Insurance
Benefits. The Bank, at its expense, shall provide for Executive medical, dental, accident and health, and income continuation
insurance benefits (including disability) benefits in accordance with the Bank's Personnel Policy as in effect from time to time,
except that in any event, Executive shall be provided with term life insurance benefits of at least $500,000. Said coverage shall
be in existence or shall take effect as of the Effective Date hereof and shall continue throughout the Term. Executive shall be
the individual owner of such life insurance policy with all associated benefits. The Bank's liability to Executive for any breach
of this Paragraph D.3 shall be limited to the amount of premiums payable by the Bank to obtain the coverage contemplated herein.
Said coverage shall be in existence or shall take effect as of the Effective Date and shall continue throughout the Term.

 

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4. .Stock Option.  No additional
stock options are included in this contract renewal over and above any options which may have been previously awarded.

 

E. REIMBURSEMENT FOR BUSINESS
EXPENSES 

 

Executive shall be entitled to
reimbursement by the Bank for ordinary and necessary business expenses (the general nature of which shall be established by the
Board of Directors) incurred by Executive in the performance of Executive's duties when acting for the Bank during the Term, provided
that:

 

1. Each such expenditure is of
a nature qualifying it as a proper deduction on the Federal and State income tax returns of the Bank as a business expense and
not as compensation to Executive; and

 

2. Executive furnishes to the Bank
adequate records and other documentary evidence required by Federal and State statutes and regulations issued by the appropriate
taxing authorities for the substantiation of such expenditures as deductible business expenses of the Bank and not as compensation
to Executive.

 

F. TERMINATION

 

1. Termination for Cause.
The Bank may terminate this agreement at any time without further obligation or liability to Executive, by action of the Board
of Directors, if Executive: (a) fails to perform or habitually neglects the duties which he is required to perform hereunder; (b)
engages in illegal activity which materially adversely affects the Bank's reputation in the community or which evidences the lack
of Executive's fitness or ability to perform Executive's duties as determined by the Board of Directors in good faith; (c) engages
in the use or possession of any controlled substance or in chronic abuse of alcoholic beverages; (d) exhibits personal dishonesty,
incompetence, willful misconduct, breach of fiduciary duty involving personal profit, intentional failure to perform his stated
duties, or willful violation of any law, rule, regulation (other than traffic violations or similar offenses) or final cease-and-desist
order; or (e) commits any act which would cause termination of coverage under the Bank's Bankers' Blanket Bond as to Executive
(as distinguished from termination of coverage as to the Bank as a whole). Such termination shall not prejudice any remedy which
the Bank may have at law, in equity, or under this Agreement. The Bank may also terminate this Agreement without further obligation
or liability to Executive in the event that the Bank is not licensed to do business, does not receive a Certificate of Authority
to commence the business of banking from the Office of the Comptroller of the Currency or fails to obtain insurance of accounts
from the Federal Deposit Insurance Corporation for any reason. Termination pursuant to this Paragraph F.1 shall become effective
immediately upon notice to Executive of termination from the Bank.

 

2. Death Or Disability.
In the event of Executive's death, or if Executive is found to be physically or mentally disabled (as hereinafter defined) as determined
by the Board of Directors in good faith, this Agreement shall terminate without any further liability or obligation to Executive.

 

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For purposes of this Agreement
only, "physically or mentally disabled" shall be defined as that term is defined in the Bank's disability policy as in
effect from time to time; if for any reason no such policy is in effect, then " physically or mentally disabled" shall
be defined as Executive being unable to fully perform under this Agreement for a continuous period of One-hundred, twenty (120)
days or a cumulative period of One-hundred, Eighty (180) days in any one calendar year. If there should be a dispute between the
Bank and Executive as to Executive's physical or mental disability for purposes of this Agreement, the question shall be settled
by the opinion of an impartial reputable physician or psychiatrist agreed upon by the parties or their representatives, or if the
parties cannot agree within ten (10) days after a request for designation of such Party, then by a physician or psychiatrist designated
by the San Bernardino County Medical Association. The certification of such physician or psychiatrist as to the question in dispute
shall be final and binding upon the parties hereto.

 

3. Action by Supervisory Authority.
If the Bank is closed or taken over by the Comptroller of the Currency or other supervisory authority, including the Federal Deposit
Insurance Corporation, or if such supervisory authority should exercise its enforcement powers to remove Executive from office
or suggest such removal, the Bank may immediately terminate this Agreement without further liability or obligation to Executive.

 

4. Merger or Corporate Dissolution.
In the event of a "Terminating Event" as defined below, this Agreement shall not be terminated, in which case the surviving
or resulting corporation, the transferee of the Bank's assets, or the Bank shall be bound by and shall have the benefit of the
provisions of this agreement. In the event Executive's employment is actually or constructively terminated in connection with or
following such a Terminating Event, Executive shall be entitled to the same severance benefits as contemplated by Paragraph F .5
below. For purposes of this Paragraph F .4, constructive termination shall include: (i) any decrease in salary or benefits below
those in effect for Executive immediately prior to the Terminating Event, (ii) any demotion to a position below that of an executive
officer, or (iii) any relocation of Executive more than 30 miles from his principal place of business immediately prior to the
Terminating Event. Notwithstanding any provision to the contrary in this Paragraph F.4, no severance benefits shall be payable
to Executive hereunder if Executive's employment is terminated for any of the reasons delineated in Paragraph F.1 hereof.

 

For purposes of this Paragraph
F.4, a "Terminating Event" shall include: (i) a reorganization, merger, or consolidation of the Bank with one or more
corporations as a result of which the Bank will not be the surviving corporation, (ii) a sale of substantially all the assets and
property of the Bank to another person, corporation or entity, or (iii) a "change in control," i.e., any other single
transaction involving the Bank (such as a tender offer) where there is a change in ownership of at least twenty-five percent (25%)
of the Bank's outstanding shares, unless such change in ownership results from (i) a transfer of shares to another corporation
in exchange for at least eighty percent (80%) control of that corporation, (ii) the issuance of additional shares of stock by the
Bank in a secondary stock offering, private placement or similar transaction, or (iii) any acquisition in which the Bank will be
the surviving entity.

 

In addition, and notwithstanding
any of the foregoing, if the Bank is not the surviving entity in any transaction contemplated above and said transaction is in
any manner the result of the then poor financial condition of the Bank, however caused, including, but not limited to, lack of
profitability, deterioration of asset condition or defalcation, or such action is the result of any suggestion or order of the
Comptroller or the FDIC, then, in such event, this Agreement shall terminate immediately upon the consummation of such transaction
and Executive agrees that all rights, duties and obligations and benefits herein conferred shall thereupon terminate and that Executive
shall be entitled to no further compensation or benefits from the Bank other than as required by applicable law.

 

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5. Termination At Will.
Pursuant to the provisions of 12 U.S.C. Section 24 and notwithstanding any other provision to the contrary contained herein, it
is agreed by the parties hereto that the Bank may at any time elect to terminate this Agreement and Executive's employment by the
Bank for any reason by action of its Board of Directors. Any termination under this Paragraph F.5 shall be effective immediately
upon the Bank's giving of notice to Executive, and all benefits provided by the Bank hereunder to Executive shall thereupon cease,
other than the severance benefits contemplated herein, and the insurance benefits provided to Executive hereunder which shall be
continued by the Bank for a period not to exceed Ninety (90) days after termination. Notwithstanding the foregoing, it is agreed
that in the event of such termination, Executive shall be entitled to receive a lump sum payment equal to the lesser of eighteen
(18) months' severance pay or the balance due under the Agreement, but in no event less than six (6) months salary. If Executive
is entitled to receive payments pursuant to this Paragraph F.5 and the event causing such payment occurs within sixty (60) days
of the Bank's fiscal year end, the Bank's Board of Directors, or a duly authorized committee thereof, shall consider an additional
payment to Executive based on Executive's pro rata share of a mandatory bonus, if any, for such fiscal year. Such action shall
not be construed as a breach of this Agreement, and the payment of the benefits stated above shall constitute full and complete
performance by the Bank of its obligations hereunder.

 

6. Effect of Termination.
In the event of the termination of this Agreement prior to the completion of the Term specified herein, Executive shall be entitled
to the salary earned by Executive prior to the date of termination as provided for in this Agreement, computed pro rata up to and
including that date; but Executive shall be entitled to no further compensation for services rendered after the date of termination,
except as provided in Paragraphs FA and F.5 above in the event that if Executive's employment is terminated pursuant to
either Paragraph F.4 or F.5 hereof.

 

G.   GENERAL PROVISIONS 

 

1. Trade Secrets. During
the Term, Executive will have access to and become acquainted with what Executive and the Bank acknowledge are trade secrets, to
wit, knowledge or data concerning the Bank, including its operations and business, and the identity of customers of the Bank, including
knowledge of their financial condition, their financial needs, as well as their methods of doing business. Executive shall not
disclose any of the aforesaid trade secrets, directly or indirectly, or use them in anyway, either during the Term or for a period
of one year thereafter, except as required in the course of Executive's employment with the Bank.

 

2. Indemnification. To the
maximum extent and when permitted by applicable law, the Articles of Association, Bylaws and/or resolutions of the Bank in effect
from time to time (except as limited below), the Bank shall indemnify Executive against liability or loss arising out of Executive's
actual or asserted misfeasance or non-feasance in the performance of Executive's duties or out of any actual or asserted wrongful
act against, or by, the Bank including but not limited to judgments, fines, settlements and expenses incurred in the defense of
actions, proceedings and appeals there from. However, the Bank shall have no duty to indemnify Executive with respect to any claim,
issue or matter as to which Executive has been adjudged to be liable to the Bank in the performance of his duties, unless and only
to the extent that the court in which such action was brought shall determine upon application that, in view of all of the circumstances
of the case, Executive is fairly and reasonably entitled to indemnification for the expenses which such court shall determine.
The Bank shall endeavor to maintain Directors and Officers Liability Insurance to indemnify and insure the Bank and Executive from
and against the aforesaid liabilities, and unless otherwise required by law, the Bank shall have no duty to indemnify Executive
in any amount which exceeds the Bank's insurance coverage. The provisions of this Paragraph G.2 shall apply to the estate, executor,
administrator, heirs, legatees or devisees of Executive.

 

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3. Arbitration. In the event
of a breach or dispute pertaining to or arising from this Agreement, the parties hereto agree that any such dispute between the
parties arising out of any section of this Agreement except Paragraphs G.1 and G.2 will, on the written notice of one party served
on the other, be submitted to binding arbitration governed by the laws, rules, regulations and ordinances applicable in San Bernardino
County, State of California. In such event, each of the parties will appoint one person as an arbitrator to hear and determine
the dispute and if they are unable to agree, then the two arbitrators so chosen will select a third impartial arbitrator whose
decision will be final and conclusive upon the parties. A material or anticipatory breach of any section of this Agreement
shall not release either party from the obligations of this Paragraph G.5.

 

4. Notices. Any notice,
request, demand or other communication required or permitted hereunder shall be in writing and shall be deemed to be duly given
upon personal delivery (professional courier acceptable); three (3) calendar days following deposit in the United States mail by
either certified or registered mail, with return receipt requested, postage prepaid; or upon receipt of written confirmation of
transmission if delivered by facsimile, addressed to the party at the address appearing at the beginning of this Agreement. Either
party may change its address by written notice in accordance with this Paragraph G.6. (In the case of the Bank's address, no notice
need be given of the change to its permanent address of 14245 Pipeline Avenue, Chino, California 91710).

 

5 .Applicable Law. Except
to the extent governed by the laws of the United States, this Agreement is to be governed by and construed under the laws of the
State of California.

 

6. Captions and Paragraph Headings.
Captions and paragraph headings used herein are for convenience only and are not a part of this Agreement and shall not be used
in construing it.

 

7. Invalid Provisions. Should
any provision of this Agreement for any reason be declared invalid, void, or unenforceable by a court of competent jurisdiction,
the validity and binding effect of any remaining portion shall not be affected, and the remaining portions of this Agreement shall
remain in full force and effect as if this Agreement had been executed with said provision eliminated.

 

8. Entire Agreement. This
Agreement contains the entire agreement of the parties. It supersedes any and all other agreements, either oral or in writing,
between the parties hereto with respect to the employment of Executive by the Bank. Each party to this Agreement acknowledges that
no representations, inducements, promises, or agreements, oral or otherwise, have been made by any party, or anyone acting on behalf
of any party, which are not embodied herein, and that no other agreement, statement, or promise not contained in this agreement
shall be valid or binding. This Agreement may not be modified or amended by oral agreement, but only by an agreement in writing
signed by the Bank and Executive.

 

19. Receipt of Agreement.
Executive hereby acknowledges that he has read this Agreement in its entirety and does hereby acknowledge receipt of a fully executed
copy thereof. A fully executed copy shall be an original for all purposes, and is a duplicate original.

 

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20. Review by Counsel. Executive
represents and warrants to the Bank that he has had this Agreement reviewed by independent legal counsel of his choice, or if he
has not, that he has had the opportunity to do so, and hereby waives any claim, objection or defense on the grounds that this Agreement
has not been reviewed by legal counsel of his choice.

 

IN WITNESS WHEREOF, the parties
hereto have executed this Agreement as of the day and year first above written. 

 

	 	CHINO COMMERCIAL BANK, N.A.
	 	 	 
	 	By	/s/ Thomas A. Woodbury, D.O.
	 	 	Thomas A. Woodbury, D.O.,
	 	 	Chairman of Compensation Committee
	 	 	 
	 	By	/s/ Bernard Wolfswinkel
	 	 	Bernard Wolfswinkel.
	 	 	Chairman
	 	 	 
	 	By:	/s/ Dann H. Bowman.
	 	 	Dann H. Bowman
	 	 	President and Chief Executive Officer ("Executive")

 

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