Document:

Exhibit

EXHIBIT 10.1

TIME SHARING AGREEMENT

This Time Sharing Agreement (this “Agreement”) is dated this 9th day of July, 2020, by and between Pfizer Inc., a Delaware corporation (the “Company”) and Albert Bourla, an individual (“Lessee”).

RECITALS

WHEREAS, Company rightfully possesses and operates the aircraft identified on Schedule I hereto (the “Aircraft”) under Part 91 of the Federal Aviation Regulations (“FARs”) incidental to its primary business; and
WHEREAS, Company desires to make the Aircraft available to Lessee, and Lessee desires to utilize the Aircraft, from time to time on a non-exclusive time-sharing basis as authorized under Sections 91.501(b)(6), 91.501(c)(1) and 91.501(d) of the FARs; and
WHEREAS, this Agreement is a time sharing agreement as defined in Section 91.501(c)(1) of the FAR, and use of the Aircraft pursuant to this Agreement will comply with the requirements of FAR 91.501(b)(6), 91.501(c)(1) and 91.501(d).
NOW, THEREFORE, in consideration of the foregoing, and the other agreements contained herein, and for other good and valuable consideration, the receipt and sufficiency of which is hereby conclusively acknowledged, the parties, intending to be legally bound hereby, agree as follows:
1.Provision of Aircraft; Term. Company agrees to provide the Aircraft to and operate the Aircraft for Lessee on a non-exclusive basis from time to time as mutually agreed between the parties pursuant to the provisions of FAR 91.501(b)(6), 91.501(c)(1) and 91.501(d) and to provide a fully qualified flight crew for all operations conducted under this Agreement. This Agreement shall be effective on the date set forth above and shall remain in effect until terminated by either party upon ten (10) business days’ prior written notice to the other.
2.Lease Fee. Lessee shall pay to Company for each flight conducted under this Agreement a lease fee (“Lease Fee”) not to exceed the actual expenses of each specific flight as authorized by FAR Part 91.501(d) (including related deadhead flights, if applicable). Such actual expenses shall include and are limited to:
		
	(a)
	Fuel, oil, lubricants, and other additives;

		
	(b)
	Travel expenses of the crew, including food, lodging and ground transportation;

		
	(c)
	Hangar and tie-down costs away from the Aircraft’s base of operations;

		
	(d)
	Insurance obtained for the specific flight;

		
	(e)
	Landing fees, airport taxes and similar assessments;

		
	(f)
	Customs, foreign permit, and similar fees directly related to the flight;

		
	(g)
	In flight food and beverages;

		
	(h)
	Passenger ground transportation;

		
	(i)
	Flight planning and weather contract services; and

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	(j)
	An additional charge equal to 100 percent of the expenses listed in subparagraph 2(a) above.

In no event shall the Lease Fee include any costs not listed above.

3.Taxes. The parties acknowledge that, with the exception of Sections 2(g) and (h) hereof, the payments specified in Section 2 from Lessee to Company are subject to federal excise tax imposed under Article 4261 of the Internal Revenue Code of 1986, as amended (the “Federal Excise Tax”). If applicable, Lessee shall pay to Company (for remittance to the appropriate governmental agency) all Federal Excise Tax applicable to flights of the Aircraft conducted hereunder.
4.Prepayment. From time to time, Lessee may deliver to Company a mutually agreed sum to fund an account for anticipated Lease Fees (the “Prepayment Fund”). No interest shall be paid on the Prepayment Fund. Immediately upon presentment of invoices for time sharing flights, Company shall apply funds from the Prepayment Fund to pay for Lease Fees for such flights. Monthly reconciliations shall be provided to Lessee which shall set forth the expenses comprising the Lease Fees of each specific flight through the last day of the month in which any flight or flights for the account of Lessee occur. In the event Lease Fees exceed the Prepayment Fund in any given month, Lessee shall pay such Lease Fees upon receipt of the invoice for the amounts exceeding the Prepayment Fund, which invoice shall be presented within fifteen (15) days of the time such Lease Fees are incurred. Upon termination of this Agreement, any funds remaining in the Prepayment Fund shall be returned to Lessee within thirty (30) days. As a matter of clarification, the Prepayment Fund is in the nature of a deposit and not payment for transportation unless and until such time as an invoice for Lease Fees is presented and funds are withdrawn to pay such invoice.
5.Operating Expenses. Company shall pay all expenses related to the operation of the Aircraft for time-sharing flights when such expenses are incurred.
6.Flight Information. Lessee will provide Company with requests for flight time and proposed flight schedules as far in advance of any given flight as possible. Requests for flight time shall be in a form, whether written or oral, mutually convenient to, and agreed upon by the parties. In addition to the proposed schedules and flight times, Lessee shall provide at least the following information for each proposed flight prior to scheduled departure as required by the Company or Company's flight crew:
(a)    proposed departure point;
(b)    destination;
(c)    date and time of flight;
(d)    the number, name, and relationship to the Lessee of anticipated passengers;
(e)    the nature and extent of luggage and/or cargo to be carried; 
(f)    the date and time of return flight, if any; and
		
	(g)
	any other information concerning the proposed flight that may be pertinent or required by Company or Company's flight crew.

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7.Authority to Schedule. Company shall have final authority over the scheduling of the Aircraft. It is understood that Company shall not be obligated to retain or contract for additional flight crew or maintenance personnel or equipment in order to accommodate Lessee's schedule requests.
8.Operational Control. The Company shall be responsible for all aspects of the physical and 
technical operation of the Aircraft and the safe performance of all flights, and shall retain and exercise exclusive operational control of the Aircraft during all phases of flight, including pre-flight and post-flight duties, and including, without limitation, all flights during which Lessee and/or Lessee’s guests are on-board the Aircraft. Consistent with the Company’s operational control responsibilities, Company shall be solely responsible to secure maintenance, preventive maintenance and required or otherwise necessary inspections on the Aircraft, and shall take such requirements into account in scheduling the Aircraft. All costs and expenses related to the maintenance of the Aircraft shall be the responsibility of the Company. No period of maintenance, preventative maintenance or inspection shall be delayed or postponed for the purpose of scheduling the Aircraft, unless said maintenance or inspection can be safely conducted at a later time in compliance with all applicable laws and regulations, and within the sound discretion of the pilot in command. All flight operations under this Agreement shall be conducted under Part 91 of the FAR.
9.Authority of Pilot in Command and Flight Crew. For each flight conducted under this Agreement, the Aircraft will be operated only by a qualified flight crew. The pilot in command shall have final and complete authority to cancel any flight for any reason or condition that in his or her judgment would compromise the safety of the flight. Lessee specifically agrees that the flight crew, in its sole discretion, may terminate any flight, refuse to commence any flight, or take other action which in the considered judgment of the pilot in command is necessitated by considerations of safety. No such action of the pilot in command shall create or support any liability for loss, injury, damage or delay to Lessee or any other person. The parties further agree that Company shall not be liable for delay or failure to furnish the Aircraft and crew pursuant to this Agreement for any reason whatsoever.
10.Lessee’s Covenants, Representations and Warranties. Lessee covenants, represents and warrants to the Company that during the term of this Agreement:
(a)    Lessee shall use the Aircraft for and on account of Lessee’s own business or personal use only, and will not use the Aircraft for the purpose of providing transportation of passengers or cargo for compensation or hire or in violation of applicable FARs or any agreements entered into by the Company relating to the Aircraft;
(b)    Lessee shall refrain from incurring any mechanics or other lien in connection with inspection, preventative maintenance, maintenance or storage of the Aircraft, whether permissible or impermissible under this Agreement, and Lessee shall not attempt to convey, mortgage, assign, lease or any way alienate the Aircraft or create any kind of lien or security interest involving the Aircraft or do anything or take any action that might mature into such a lien; and

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(c)    Lessee shall, and shall cause any passengers in Lessee’s party to, abide by and conform to all such laws, governmental and airport orders, rules and regulations, as shall from time to time be in effect relating in any way to the use of the Aircraft by a timesharing lessee.
11.Risk of Loss. The Company assumes and shall bear the entire risk of loss, theft, 
confiscation, damage to, or destruction of the Aircraft from any cause whatsoever, except to the extent attributable to the gross negligence or willful misconduct of Lessee or Lessee’s guests on the Aircraft.
12.Insurance. During the term of this Agreement, the Company shall maintain and have in force (i) all-risk hull insurance covering the fair market value of the Aircraft which policy shall be deemed primary in the event of any incident or accident and (ii) aviation liability insurance of at least Three Hundred Million Dollars ($300,000,000) combined single limit. Company shall cause Lessee to be added as an additional insured to its aviation liability insurance.
13.Home Base. For purposes of this Agreement, the permanent base of operation of the Aircraft shall be as set forth on Schedule A hereto, or such other location as shall be determined by the Company from time to time.
14.Successors and Assigns. Neither this Agreement nor any party's interest herein shall be assignable to any other party whatsoever. This Agreement shall inure to the benefit of and be binding upon the parties hereto, and their respective heirs, representatives, successors and permitted assigns.
15.Governing Law. This Agreement constitutes the entire agreement of the parties with respect to the time share of the Aircraft as set forth herein. This Agreement shall be governed by, and construed in accordance with, the laws of the State of New York.
16.Subordination. All rights and interests of Lessee hereunder and in and to the Aircraft are, and at all times shall be and remain, subject and subordinate to the rights and interests of the owner of each Aircraft under the aircraft lease agreements between such owner and the Company. Notwithstanding anything to the contrary contained herein, this Agreement shall terminate, or be canceled, immediately at the option of the Aircraft owner upon the occurrence of an event of default thereunder.
17.Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, and all of which together shall constitute one and the same Agreement, binding on all the parties notwithstanding that all the parties are not signatories to the same counterpart. The parties may effectively deliver an executed counterpart of a signature page of this Agreement by facsimile or in electronic (“pdf” or “tif”) format.
18.Further Acts. Lessor and Lessee shall from time to time perform such other and further acts and execute such other and further instruments as may be required by law or may be reasonably necessary to: (i) carry out the intent and purpose of this Agreement; and (ii) establish, maintain and protect the respective rights and remedies of the other party.
19.Entire Agreement. This Agreement constitutes the entire understanding among the Parties with respect to its subject matter, and there are no representations, warranties, rights, obligations, liabilities, conditions, covenants, or agreements other than as expressly set forth herein.

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20.Severability. In the event that any one or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal, or unenforceable, those provisions shall be replaced by provisions acceptable to both Parties to this Agreement.
21.Disclaimer; Consequential Damages. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, NEITHER COMPANY NOR AIRCRAFT OWNER HAVE MADE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE AIRCRAFT, INCLUDING WITH RESPECT TO ITS DESIGN, CONDITION, QUALITY OF MATERIALS AND WORKMANSHIP, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, AIRWORTHINESS OR SAFETY. IN NO EVENT SHALL COMPANY OR OWNER BE LIABLE TO THE LESSEE, ITS MEMBERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, GUESTS OR AGENTS (FOR THE PURPOSE OF THIS SECTION 21 HEREOF, COLLECTIVELY, “LESSEE”), FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR SPECIAL DAMAGES, HOWEVER ARISING, WHETHER COMPANY KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGE, LOSS OR EXPENSE INCLUDING, WITHOUT LIMITATION, IN RESPECT OF ANY DELAY IN ARRIVAL OR DEPARTURE.
22.Notices. All communications, declarations, demands, consents, directions, approvals, instructions, requests and notices required or permitted by this Agreement shall be in writing and shall be deemed to have been duly given or made when delivered personally or transmitted electronically by e-mail or facsimile, receipt acknowledged, or in the case of documented overnight delivery service or registered or certified mail, return receipt requested, delivery charge or postage prepaid, on the date shown on the receipt therefor, in each case at the address set forth on Schedule A hereto.
		
	23.
	TRUTH IN LEASING STATEMENT PURSUANT TO 14 CFR PART 91.23

THE AIRCRAFT HAVE BEEN MAINTAINED AND INSPECTED UNDER FAR PART 91.409(f)(3) DURING THE 12 MONTH PERIOD PRECEDING THE DATE OF THIS AGREEMENT.

THE COMPANY, A DELAWARE CORPORATION, CERTIFIES THAT THE AIRCRAFT ARE IN COMPLIANCE WITH ALL APPLICABLE MAINTENANCE AND INSPECTION REQUIREMENTS FOR OPERATIONS TO BE CONDUCTED UNDER THIS AGREEMENT. THE AIRCRAFT WILL BE MAINTAINED AND INSPECTED UNDER FAR PART 91.409(f)(3) FOR OPERATIONS TO BE CONDUCTED UNDER THIS AGREEMENT.

THE COMPANY CERTIFIES AND ACKNOWLEDGES THAT WHENEVER THE AIRCRAFT ARE OPERATED UNDER THIS AGREEMENT, THE COMPANY SHALL BE KNOWN AS, CONSIDERED AND SHALL IN FACT BE RESPONSIBLE FOR OPERATIONAL CONTROL OF THE AIRCRAFT IDENTIFIED AND TO BE OPERATED UNDER THIS AGREEMENT. EACH PARTY CERTIFIES THAT IT UNDERSTANDS ITS RESPECTIVE RESPONSIBILITIES, IF ANY, FOR COMPLIANCE WITH APPLICABLE FEDERAL AVIATION REGULATIONS. I, THE UNDERSIGNED, JOHN D. WITZIG, AS VICE PRESIDENT OF THE COMPANY, CERTIFY THAT THE COMPANY IS RESPONSIBLE FOR OPERATIONAL CONTROL OF THE AIRCRAFT FOR OPERATIONS TO BE CONDUCTED UNDER THIS AGREEMENT AND THAT THE COMPANY UNDERSTANDS ITS RESPONSIBILITIES FOR COMPLIANCE WITH APPLICABLE FEDERAL AVIATION REGULATIONS.

EACH PARTY UNDERSTANDS THAT AN EXPLANATION OF FACTORS BEARING ON OPERATIONAL CONTROL AND PERTINENT FEDERAL AVIATION REGULATIONS CAN BE OBTAINED FROM THE NEAREST FAA FLIGHT STANDARDS DISTRICT OFFICE.

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THE ADDRESS OF THE COMPANY IS 235 EAST 42nd STREET, NEW YORK, NEW YORK 10017.

IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first above written.

PFIZER INC.

By:  /s/ JOHN D. WITZIG
Name: John D. Witzig
Title:   Vice President

/s/ ALBERT BOURLA
Albert Bourla

6Exhibit 10.1

 

MFA Investor Holdings LLC

535 5th Avenue, 29th Floor

New York,
New York 10017

August 6, 2020

Megalith Acquisition Corp.

535 5th Avenue, 29th Floor

New York, New York 10017

Attn: A.J. Dunklau, Chief Executive Officer

 

Re:       Sponsor
Share Letter

Dear Andrew:

Reference is hereby
made to that certain Agreement and Plan of Merger Agreement, dated as of August 6, 2020 (as it may be amended, the “Merger
Agreement”) by and among Megalith Acquisition Corp., a Delaware corporation (including any successor thereto, “Purchaser”),
MFAC Merger Sub Inc., a Pennsylvania corporation and a wholly-owned subsidiary of Purchaser (“Merger Sub”),
BankMobile Technologies, Inc., a Pennsylvania corporation (the “Company”), and Customers Bank, a Pennsylvania
state chartered bank and the sole stockholder of the Company (“CUBI”). Any capitalized term used but
not defined herein will have the meanings ascribed thereto in the Merger Agreement.

In
order to induce the Company to enter into the Merger Agreement, MFA Investor Holdings LLC, a Delaware limited liability company
(“Sponsor”), has agreed to enter into this letter agreement (this “Agreement”)
relating to (i) the 4,232,222 shares of Class B common stock par value $0.0001 per share, of Purchaser (the “Founder
Shares”) purchased by Sponsor in a private placement prior to Purchaser’s initial public offering, and (ii)
the 6,195,778 warrants to purchase shares of Class A common stock,
par value $0.0001 per share (“Class A Common Stock”), of Purchaser (the “Sponsor Warrants”),
purchased by Sponsor in a private placement concurrent with Purchaser’s initial public offering.

For good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, Sponsor and each of the undersigned parties hereby agrees as follows:

		1.	The Sponsor hereby agrees to, upon and subject to the Closing, transfer and assign, subject
                                                           to and in accordance with the terms and conditions of this Agreement, to CUBI all of its right, title and interest in and to
                                                           101,703 Founder Shares (the “CUBI Transferred Shares”). The parties hereto acknowledge that, prior
                                                           to the Closing Sponsor shall also transfer (i) 178,495 Founder Shares (the “SPC Transferred
                                                           Shares”, and together with the CUBI Transferred Shares, the “Transferred Shares”),
                                                           and (ii) 1,311,501 Sponsor Warrants (unless such transfer would trigger a warrant price adjustment under section 4.3.2 of the
                                                           warrant agreement), to Schechter Private Capital, LLC (“SPC”), in connection with a private placement of
                                                           approximately Twenty Million Dollars ($20,000,000) of Class A Common Stock of Purchaser, in accordance with the terms and
                                                           conditions set forth in that certain Subscription Agreement with Purchaser and that certain Agreement to Transfer Sponsor
                                                           Securities, dated August 6, 2020 (the “SPC Sponsor Share Agreement”), among Purchaser, the Sponsor,
                                                           SPC and Continental Stock Transfer and Trust Company. Notwithstanding the forgoing, if the number of SPC Transferred Shares
                                                           decreases to 167,659 shares and the number of Sponsor Warrants transferred to SPC increases to 1,419,864 in accordance with
                                                           the terms of the SPC Sponsor Share Agreement, the number of CUBI Transferred Shares shall be increased to 112,539
                                                           shares.

 

    
 

     

    

 

 

 

		2.	The CUBI Transferred Shares will be transferred by Sponsor to CUBI as a “permitted transferee”
(as defined in the Letter Agreement, dated as of August 23, 2018 (as it may, subject to the terms hereof be amended, the “Insider
Letter”), by and among Purchaser and Sponsor) of Sponsor under Section 7(c) of the Insider Letter, and accordingly
CUBI hereby agrees to become bound by the transfer restrictions in the Insider Letter with respect to its CUBI Transferred Shares
that apply to the Sponsor thereunder, in addition to the other restrictions set forth in this Agreement.

		3.	The Sponsor hereby agrees, upon and subject to the Closing, to forfeit all of the Sponsor Warrants
held by Sponsor at the time of the Closing (the “Forfeited Warrants”). In order to effectuate such forfeiture,
upon the Closing, the Sponsor shall deliver the Forfeited Warrants to Purchaser in certificated or book entry form (at the election
of the Sponsor) for cancellation by Purchaser. Notwithstanding the foregoing, none of the Sponsor warrants shall be forfeited if
Purchaser retains funds in the Trust Account at the Closing in excess of at least Ten Million Dollars ($10,000,000) after the Redemption
but prior to taking into account transaction expenses.

		4.	The Sponsor hereby agrees, upon and subject to the Closing, to forfeit 2,932,222 of the Founder
Shares held by the Sponsor at the time of the Closing (the “Forfeited Shares”). In order to effectuate
such forfeiture, upon the Closing, the Sponsor shall deliver the Forfeited Shares to Purchaser in certificated or book entry form
(at the election of the Sponsor) for cancellation by Purchaser.

		5.	Sponsor hereby agrees that, upon and subject to the Closing, it will not sell, transfer or otherwise
dispose of, or hypothecate or otherwise grant any interest in or to, 300,000 of the Founder Shares retained by Sponsor after the
transfer of the Transferred Shares to CUBI and SPC (the “Earnout Shares”), unless and until a Release
Event has occurred. In the event that a Release Event has not occurred on or prior to the date which is seven (7) years following
the Closing Date (the “Termination Date” and, the period from the Closing Date until and including the
Termination Date, the “Earnout Period”) with respect to the Earnout Shares, Sponsor, hereby agrees to
forfeit the Earnout Shares that have not been subject to a Release Event. In order to effectuate such forfeiture in the event that
a Release Event has not theretofore occurred with respect to the Earnout Shares, upon the Termination Date, Sponsor shall deliver
the Earnout Shares that have not been subject to a Release Event to Purchaser in certificated or book entry form (at the election
of such party) for cancellation by Purchaser. The share certificates representing the Earnout Shares shall contain a legend relating
to transfer restrictions imposed by this Agreement and the risk of forfeiture associated with the Earnout Shares. Such legend shall
be removed upon the request of Sponsor following a Release Event.

		6.	Until and unless the Earnout Shares are forfeited, Sponsor shall have full ownership rights to
its Earnout Shares, including the right to vote such shares and to receive dividends and distributions thereon.

		7.	The Earnout Shares shall vest and no longer be subject to forfeiture as follows (each a “Release
Event”):

		(a)	The Earnout Shares shall vest and no longer be subject to forfeiture or the transfer restrictions
in this Agreement if either (i) the VWAP of Purchaser Class A Common Stock on the principal exchange on which such securities are
then listed or quoted shall have been at or above $15.00 for twenty (20) trading days (which need not be consecutive) over a thirty
(30) trading day period at any time during the Earnout Period; or (ii) Purchaser sells shares of its capital stock in a secondary
offering for at least $15.00 per share (the “Stock Price Trigger”), in each case subject to equitable
adjustment for share splits, share dividends, reorganizations, combinations, recapitalizations and similar transactions affecting
the shares of Purchaser Common Stock after the Closing; provided, however, that the Stock Price Trigger shall be reduced by the
amount of the aggregate cash or the fair market value of any securities or other assets paid or payable by Purchaser to the holders
of Shares of Purchaser Class A Common Stock, on a per share basis, as an extraordinary dividend or distribution following the Closing.

 

    
 
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		(b)	all of the Earnout Shares shall vest and no longer be subject to forfeiture or the transfer restrictions
in this Agreement upon the first of any of the following to occur:

		(i)	if Purchaser is merged, consolidated or reorganized with or into another Person (an “Acquiror”)
and as a result of such merger, consolidation or reorganization, less than 50.1% (whether by voting or economic rights) of the
outstanding equity securities or other capital interests of the Acquiror or surviving or resulting entity is owned in the aggregate
by the shareholders of Purchaser, directly or indirectly, immediately prior to such merger, consolidation or reorganization, excluding
from such computation the interests of the Acquiror or any Affiliate of the Acquiror (the “Pre-Transaction Purchaser
Equityholders”);

		(ii)	Purchaser and/or its subsidiaries sell, assign, transfer or otherwise dispose of (including by
bulk reinsurance outside of the ordinary course of business consistent with past practice), in one or a series of related transactions,
all or substantially all of the assets of Purchaser and its Subsidiaries, taken as a whole, to an Acquiror, less than 50.1% (whether
by voting or economic rights) of the outstanding equity securities or other capital interests of which, immediately following such
sale, assignment or transfer, is owned in the aggregate by the Pre-Transaction Purchaser Equityholders; or

		(iii)	a Schedule 13D or Schedule 14D report (or any successor schedule form or report), each as promulgated
pursuant to the Exchange Act, is filed with the SEC disclosing that any person or group (as the terms “person” and
“group” are used in Section 13(d) or Section 14(d) of the Exchange Act and the rules and regulations promulgated thereunder)
has become the beneficial owner (as the term “beneficial owner” is defined in Rule 13d-3 or any successor rule or regulation
promulgated under the Exchange Act) of a percentage of shares of the outstanding Shares of Purchaser Class A Common Stock as shall
be greater than the percentage of such shares that, at the date of such filing, is held by any other person or group that held
more than 50% of the voting or economic power of Purchaser immediately after the Closing.

		8.	Notwithstanding anything to the contrary herein, at or prior to the Closing, Sponsor may transfer
any Sponsor Earnout Shares to any third-party investor who provides equity or debt financing for the transactions contemplated
by the Merger Agreement without the consent of any party hereto, and any Sponsor Earnout Shares so transferred shall reduce the
number of Sponsor Earnout Shares hereunder. Unless otherwise agreed in writing by Sponsor and the investor receiving such shares,
any such transferred Sponsor Earnout Shares shall not be subject to the terms and conditions of this Agreement (but shall continue
to be subject to the provisions of the Insider Letter).

		9.	Purchaser and Sponsor hereby each agree, that without the prior written consent of the Company,
they will not, prior to the Closing, seek or agree to a waiver, amendment or termination of Sections 1 or 7 of the Insider Letter
(or related definitions).

		10.	Subject to Section 8 above, no party hereto may assign either this Agreement or any of its
rights, interests, or obligations hereunder without the prior written consent of the other parties; provided, that in the event
that Sponsor liquidates and distributes to its members all securities of Purchaser that it owns in accordance with its organizational
documents, Sponsor may, without obtaining the consent of any other party hereto, transfer the Sponsor Earnout Shares and its rights
and obligations under this Agreement to its members so long as such members agree in writing to be bound by the terms of this Agreement
that apply to Sponsor hereunder. Any purported assignment in violation of this Section 10 shall be void and ineffectual
and shall not operate to transfer or assign any interest or title to the purported assignee. This Agreement shall be binding on
the undersigned and their respective successors and permitted assigns.

 

    
 
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		11.	This Agreement (including the Merger Agreement to the extent incorporated herein) constitutes the
entire agreement and understanding of the parties hereto in respect of the subject matter hereof and supersedes all prior understandings,
agreements, or representations by or among the parties hereto, written or oral, to the extent they relate in any way to the subject
matter hereof; provided, that for the avoidance of doubt, nothing herein shall affect the terms and conditions of the Insider Letter.

		12.	This Agreement may not be changed, amended or modified as to any particular provision, except by
a written instrument executed by all parties hereto. No provision of this Agreement may be waived except in a writing signed by
the party against whom enforcement of such waiver is sought. No failure or delay by a party in exercising any right hereunder shall
operate as a waiver thereof nor shall any single or partial exercise thereof preclude any other or further exercise of any other
right hereunder.

		13.	Any notice, consent or request to be given in connection with any of the terms or provisions of this Agreement shall be in
writing and shall be sent in the same manner as provided in Section 12.1 of the Merger Agreement. Unless otherwise specified in
writing by such party, notices to the Sponsor shall be sent to MFA Investor Holdings LLC, 535 5th Avenue, 29th Floor, New York,
New York 10017 attn: A.J. Dunklau, CEO and notices to CUBI shall be sent to the address of the Company Stockholder set forth in
in the Merger Agreement.

		14.	This Agreement shall be construed, interpreted and enforced in a manner consistent with the provisions
of the Merger Agreement. The provisions set forth in Sections 11.3 through 11.8, 11.12 and 11.13, of the Merger Agreement, as in
effect as of the date hereof, are hereby incorporated by reference into, and shall be deemed to apply to, this Agreement as if
all references to the “Agreement” in such sections were instead references to this Agreement, and the references therein
to the “Parties” were instead to the parties to this Agreement.

		15.	This Agreement shall terminate at such time, if any, as the Merger Agreement is terminated in accordance
with its terms prior to the Closing, and upon such termination this Agreement shall be null and void and of no effect whatsoever,
and the parties hereto shall have no obligations under this Agreement.

{Remainder of Page Left Blank; Signature
Page Follows}

 

 

 

 

 

 

    
 
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Please indicate your agreement to the
foregoing by signing in the space provided below.

 

	 	
        MFA INVESTOR HOLDINGS LLC

         

	 	By:	 
	 	Name:	 
	 	Title:	 

 

Accepted and agreed, effective
as of the date first set forth above:

	
        MEGALITH ACQUISITION CORP.

         
	 
	By:	 	 
	Name:	 	 
	Title:	 	 
	 	 	 
	 	 	 
	CUSTOMERS BANK 	 
	 	 	 
	By:	 	 
	Name:	 	 
	Title:	 	 
	 	 	 

 

	Address for Notice:

                                                                       
	 
	Address:	 	 
	 	 	 
	 	 	 
	Facsimile No.:	 	 
	Telephone No.:	 	 
	Email:

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