Document:

EX-10.1

 EXECUTION VERSION 

Exhibit 10.1 
 SUPPORT
AGREEMENT 
 This SUPPORT AGREEMENT, dated as of November 15, 2022 (this “Agreement”), is made by and between BGC
Partners, Inc., a Delaware corporation (“BGC Partners”), and Cantor Fitzgerald, L.P., a Delaware limited partnership (“Cantor”). Capitalized terms used but not defined herein shall have the respective meanings
ascribed to such terms in the Corporate Conversion Agreement (as defined below). 
 W I T N E S S E T H 

WHEREAS, on November 15, 2022, BGC Partners, BGC Holdings, L.P., a Delaware limited partnership (“BGC Holdings”), BGC
GP, LLC, a Delaware limited liability company and the general partner of BGC Holdings (“BGC Holdings GP”), BGC Group, Inc., a Delaware corporation (“Holdco”), BGC Partners II, Inc., a Delaware corporation and a
direct wholly owned Subsidiary of Holdco (“Merger Sub 1”), BGC Partners II, LLC, a Delaware limited liability company and a direct wholly owned Subsidiary of Holdco (“Merger Sub 2”), BGC Holdings Sub, LLC, a
Delaware limited liability company and a direct wholly owned Subsidiary of BGC Holdings (“Holdings Merger Sub” and together with Merger Sub 1 and Merger Sub 2, the “Merger Subs”), and, solely for purposes specified
therein, Cantor, entered into a Corporate Conversion Agreement (the “Corporate Conversion Agreement”), pursuant to which, among other things, (i) BGC Holdings will be merged with and into Holdings Merger Sub (the
“Holdings Reorganization Merger”), with Holdings Merger Sub as the surviving entity in the Holdings Reorganization Merger, (ii) Merger Sub 1 will be merged with and into BGC Partners (the “Corporate Merger”),
with BGC Partners as the surviving entity in the Corporate Merger and becoming a direct wholly owned Subsidiary of Holdco, and (iii) Merger Sub 2 will be merged with and into Holdings Merger Sub (the “Holdings Merger” and
together with the Holdings Reorganization Merger and the Corporate Merger, the “Mergers”), with Holdings Merger Sub as the surviving entity in the Holdings Merger and with Holdco becoming the owner of 100% of the limited liability
company interests in Holdings Merger Sub (other than the managing member interest and special voting limited liability company interest, which shall be held by BGC Holdings GP), in each case, upon the terms and subject to the conditions set forth
therein; 
 WHEREAS, as of the date hereof, Cantor is the record or beneficial owner (as such term is defined under Rule 13d-3 of the Securities Exchange Act of 1934, and the rules and regulations promulgated thereunder) of, and has the right to vote and act by written consent with respect to certain shares of Class B common
stock, par value $0.001 per share, of the Company (the “Class B Shares”, together with all other shares of common stock of the Company to which Cantor is or becomes the owner and has the right to vote or act by
written consent with respect to the adoption of the Corporate Conversion Agreement, being collectively referred to herein as the “Shares”); 

WHEREAS, Cantor is willing to agree, on the terms and subject to the conditions set forth herein, to vote or consent all of the Shares in a
manner so as to facilitate the consummation of the transactions contemplated by the Corporate Conversion Agreement, including the Mergers, upon the terms and subject to the conditions set forth in the Corporate Conversion Agreement. 

 NOW, THEREFORE, in consideration of the mutual covenants and agreements set forth herein,
and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally bound, hereby agree as follows: 

1. Definitions and Related Matters. 

1.1 Definitions. Capitalized terms used but not otherwise defined herein shall have the respective meanings ascribed to such terms in
the Corporate Conversion Agreement. As used in this Agreement, the following terms shall have the meanings indicated below: 

“Agreement” shall have the meaning set forth in the Preamble. 

“BGC Holdings” shall have the meaning set forth in the Recitals. 

“BGC Holdings GP” shall have the meaning set forth in the Recitals. 

“BGC Partners” shall have the meaning set forth in the Preamble. 

“Cantor” shall have the meaning set forth in the Preamble. 

“Corporate Conversion Agreement” shall have the meaning set forth in the Recitals. 

“Corporate Merger” shall have the meaning set forth in the Recitals. 

“Expiration Time” shall mean the earlier to occur of (a) the Effective Time and (b) the valid termination of the
Corporate Conversion Agreement in accordance with its terms. 
 “Holdco” shall have the meaning set forth in the Recitals.

 “Holdings Merger” shall have the meaning set forth in the Recitals. 

“Holdings Merger Sub” shall have the meaning set forth in the Recitals. 

“Holdings Reorganization Merger” shall have the meaning set forth in the Recitals. 

“Merger Sub 1” shall have the meaning set forth in the Recitals. 

“Merger Sub 2” shall have the meaning set forth in the Recitals. 

“Merger Subs” shall have the meaning set forth in the Recitals. 

“Mergers” shall have the meaning set forth in the Recitals. 

“Shares” shall have the meaning set forth in the Recitals. 

  
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 “Transfer” shall mean, with respect to any Share, any (a) direct or
indirect sale, offer to sell, transfer, assignment, pledge, hypothecation, mortgage, license, gift, creation of a security interest in or lien on, placement in trust (voting or otherwise), grant of an option to purchase, encumbrance or other
disposition of such Share to any Person, including those by way of any spin-off (such as through a dividend), sale, transfer or assignment of a majority of the equity interest in, or sale, transfer or
assignment of control (directly or indirectly) of, any Person holding such Share or otherwise, or (b) any hedging or derivative transactions or other swap or arrangement which transfers to another Person, in whole or in part, any of the
economic consequences of ownership of any Share. 
 1.2 Other Definitional Provisions. Unless the express context otherwise requires:
(a) the words “hereof”, “herein”, and “hereunder” and words of similar import, when used in this Agreement, shall refer to this Agreement as a whole and not to any particular provision of this Agreement;
(b) the words “date hereof”, when used in this Agreement, shall refer to the date set forth in the Preamble; (c) the terms defined in the singular have a comparable meaning when used in the plural, and vice versa; (d) the
terms defined in the present tense have a comparable meaning when used in the past tense, and vice versa; (e) any references herein to a specific Section, Schedule, Annex or Exhibit shall refer, respectively, to Sections, Schedules, Annexes or
Exhibits of this Agreement, except as otherwise expressly stated; (f) wherever the word “include”, “includes”, or “including” is used in this Agreement, it shall be deemed to be followed by the words “without
limitation”; (g) references herein to any gender includes each other gender; and (h) the word “or” shall not be exclusive. 

2. Agreement to Consent and Approve; Transfer of Shares. Within two Business Days following the date that the Form S-4 is declared effective under the Securities Act, Cantor shall execute and deliver (or cause to be executed and delivered) to BGC Partners a written consent with respect to all of the Shares beneficially owned by
Cantor at such time approving the adoption of the Corporate Conversion Agreement and the transactions contemplated thereby in accordance with the Delaware General Corporation Law and the organizational documents of BGC Partners, with such consent to
be effective on the 20th business day following the date on which BGC Partners has commenced mailing of the Consent Solicitation Statement to the stockholders of BGC Partners. Cantor shall not
enter into any tender, voting or other agreement or arrangement with any Person, directly or indirectly, to vote, grant a proxy or power of attorney or give instructions with respect to the voting of the Shares in any manner that would interfere
with the approval by Cantor of the adoption of the Corporate Conversion Agreement and the transactions contemplated thereby, including the Mergers. Any attempt by Cantor to vote, or express consent or exercise dissenters’ rights with respect to
(or otherwise to utilize the voting power of), its Shares in contravention of this Section 2 shall be null and void ab initio. Cantor hereby agrees that, from the date hereof until the Expiration Time, it shall not
Transfer any of its Shares if such Transfer would prohibit or prevent Cantor from delivering the BGC Partners Stockholder Approval. 
 3.
Representations and Warranties of BGC Partners. BGC Partners hereby represents and warrants to Cantor as follows: 
 3.1 BGC Partners
is a legal entity duly organized, validly existing and in good standing under the applicable Laws of the jurisdiction in which it is incorporated, formed or organized. 

3.2 BGC Partners has all necessary entity power and authority to execute and deliver this Agreement and to consummate the transactions
contemplated by this Agreement. 

  
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The execution, delivery and performance by BGC Partners of this Agreement, and the consummation of the transactions contemplated by this Agreement, have been duly authorized and approved by the
BGC Partners Board upon the recommendation of the Joint Committee of the BGC Partners Board, and no other entity action on the part of BGC Partners is necessary to authorize the execution, delivery and performance by BGC Partners of this Agreement
and the consummation of the transactions contemplated by this Agreement. This Agreement has been duly executed and delivered by BGC Partners and, assuming due authorization, execution and delivery of this Agreement by the other parties hereto,
constitutes a legal, valid and binding obligation of BGC Partners, enforceable against BGC Partners in accordance with its terms. 
 4.
Representations and Warranties of Cantor. Cantor hereby represents and warrants to BGC Partners as follows: 
 4.1 Cantor is duly
organized, existing and in good standing (to the extent such concept is applicable) under the Laws of its jurisdiction of organization. 

4.2 Cantor has all necessary entity power and authority to execute and deliver this Agreement and to consummate the transactions contemplated
by this Agreement. The execution, delivery and performance by Cantor of this Agreement, and the consummation of the transactions contemplated by this Agreement, have been duly authorized and approved by Cantor, and no other entity action on the part
of Cantor is necessary to authorize the execution, delivery and performance by Cantor of this Agreement and the consummation of the transactions contemplated by this Agreement. This Agreement has been duly executed and delivered by Cantor and,
assuming due authorization, execution and delivery of this Agreement by the other parties hereto, constitutes a legal, valid and binding obligation of Cantor, enforceable against Cantor in accordance with its terms. 

4.3 The execution and delivery of this Agreement by Cantor and the performance of its obligations hereunder will not constitute or result in
(a) a breach or violation of, or a default under, Cantor’s Organizational Documents, (b) a breach or violation of, a termination (or right of termination) or default under, the creation or acceleration of any obligations under, or the
creation of a Lien on any of the assets of Cantor (with or without notice, lapse of time or both) pursuant to, any agreement, lease, license, Contract, note, mortgage, indenture, arrangement or other obligation binding upon Cantor, or (c) a
conflict with, breach or violation of any Law applicable to Cantor or by which its properties are bound or affected, except, in the case of clause (b) or (c), for any breach, violation, termination, default, creation or
acceleration that would not, individually or in the aggregate, reasonably be expected to impair the ability of Cantor to perform its obligations under this Agreement on a timely basis. 

4.4 As of the date hereof, (a) Cantor is the record or beneficial owner of 45,122,728 Shares (consisting of all Class B Shares), and
(b) Cantor and its controlling equityholders have sole voting power over and right to consent with respect to all such Shares. Except as contemplated by this Agreement, Cantor has not entered into any tender, voting or other agreement or
arrangement with respect to any Shares or entered into any other contract relating to the voting of any Shares. Any and all proxies in respect of the Shares or are revocable, and with respect to the subject matter of this Agreement, such proxies
either have been revoked prior to the date hereof or are hereby revoked. 

  
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 4.5 As of the date hereof, there is no Action pending or, to the knowledge of Cantor,
threatened against Cantor or any of its Affiliates that, individually or in the aggregate, would reasonably be expected to impair the ability of Cantor to perform its obligations under this Agreement or to consummate the transactions contemplated by
this Agreement on a timely basis. 
 5. Termination. Other than this Section 5 and
Section 9, which shall survive any termination of this Agreement, this Agreement shall terminate and shall have no further force or effect immediately as of and following the Expiration Time. Notwithstanding the foregoing,
nothing herein shall relieve any party hereto from liability for any Intentional Breach of this Agreement that occurred prior to such termination. 

6. Duties. Cantor is entering into this Agreement solely in Cantor’s capacity as a record or beneficial owner of Shares, and
nothing in this Agreement shall apply to any Person with respect to actions taken solely in such Person’s capacity as a director or officer of BGC Partners or any other member of the BGC Partners Group. 

7. No Ownership Interest. Nothing contained in this Agreement shall be deemed to vest in BGC Partners any direct or indirect ownership
or incidence of ownership of or with respect to the Shares. All rights, ownership and economic benefits of and relating to the Shares shall remain vested in and belong to Cantor, and BGC Partners shall not have the authority to direct Cantor in the
voting or disposition of any Shares, except as otherwise expressly provided herein. 
 8. No Obligation to Exercise. No provision of
this Agreement shall require Cantor to exercise any option, warrant, convertible security or other security or contract right convertible into shares of common stock of the Company; provided, for the avoidance of doubt, that upon any such
exercise, the shares of common stock of BGC Partners acquired by Cantor pursuant thereto shall be Shares for all purposes hereunder. 
 9.
Miscellaneous. 
 9.1 Governing Law: Jurisdiction. This Agreement shall be construed, performed and enforced in accordance
with, and governed by, the Laws of the State of Delaware, without giving effect to any choice or conflict of law provision or rule that would cause the application of the laws of any jurisdiction other than the State of Delaware. Each of the parties
hereto irrevocably agrees that any legal action or proceeding with respect to this Agreement and the rights and obligations arising hereunder, or for recognition and enforcement of any judgment in respect of this Agreement and the rights and
obligations arising hereunder, brought by another party hereto or its successors or assigns shall be brought and determined exclusively in the Delaware Court of Chancery and any state appellate court therefrom within the State of Delaware, or in the
event (but only in the event) that such court does not have subject matter jurisdiction over such action or proceeding, any other state or federal court within the State of Delaware. Each of the parties hereto hereby irrevocably submits with regard
to any such action or proceeding for itself and in respect of its property, generally and unconditionally, to the personal jurisdiction of the courts set forth in this paragraph and agrees that it will not bring any action relating to this Agreement
or any of the transactions contemplated by this Agreement in any court other than such courts. Each of the parties hereto hereby irrevocably waives, and 

  
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agrees not to assert, by way of motion, as a defense, counterclaim or otherwise, in any action or proceeding with respect to this Agreement, (i) any claim that is not personally subject to
the jurisdiction of the above named courts, (ii) any claim that it or its property is exempt or immune from jurisdiction of any such court or from any legal process commenced in such courts and (iii) to the fullest extent permitted by
applicable Law, any claim that (A) the suit, action or proceeding in such court is brought in an inconvenient forum, (B) the venue of such suit, action or proceeding is improper or (C) this Agreement, or the subject matter hereof, may
not be enforced in or by such courts. Each of the parties hereto agrees that a final judgment in any action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner provided by Law.
To the fullest extent permitted by applicable Law, each of the parties hereto hereby consents to the service of process in accordance with Section 9.4; provided that nothing herein shall affect the right of any party
to serve legal process in any other matter permitted by Law. 
 9.2 Assignment; Successors and Assigns; No Third Party Rights. No
party hereto shall assign this Agreement or any rights or obligations hereunder without the prior written consent of the other parties hereto, and any such attempted assignment without such prior written consent shall be void and of no force and
effect. This Agreement shall inure to the benefit of and shall be binding upon the successors and permitted assigns of the parties hereto. Nothing in this Agreement is intended to confer, or does confer, any rights or remedies under or by reason of
this Agreement on any Persons other than the parties hereto and their respective successors and permitted assigns. 
 9.3 Amendments and
Waivers. This Agreement may be amended by BGC Partners and Cantor, at any time, provided that (a) after obtaining the BGC Partners Stockholder Approval, no amendment shall be made that by Law requires further approval by the
stockholders of BGC Partners, without approval by such stockholders and (b) no amendment to this Agreement shall be made without approval of the Joint Committee. This Agreement may not be amended except by an instrument in writing signed on
behalf of each of BGC Partners and Cantor. Any agreement on the part of a party hereto to any waiver shall be valid only if set forth in a written instrument signed on behalf of such party (including, in the case of BGC Partners, the Joint
Committee). The failure or delay of any party to this Agreement to assert any of its rights under this Agreement or otherwise shall not constitute a waiver of those rights, nor shall any single or partial exercise thereof preclude any other or
further exercise of any other right hereunder. 
 9.4 Notices. All notices, requests, instructions or other communications or
documents to be given or made hereunder by any party hereto to the other parties hereto shall be in writing and (a) served by personal delivery upon the party for whom it is intended, (b) by an internationally recognized overnight courier
service upon the party for whom it is intended or (c) sent by email, provided that the transmission of the email is promptly confirmed: 

if to Cantor, to 
 Cantor
Fitzgerald, L.P. 
 499 Park Avenue 

New York, NY 10022 

  
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 Attention: General Counsel 

Email: smerkel@cantor.com 
 if
to BGC Partners, to: 
 BGC Partners, Inc. 

499 Park Avenue 
 New York, NY
10022 
 Attention: General Counsel 

Email: smerkel@cantor.com 
 With
a copy to: 
 Debevoise & Plimpton LLP 

919 Third Avenue 
 New York, NY
10022 
 Attention: William Regner, Sue Meng 

Email: wdregner@debevoise.com 

    smeng@debevoise.com 

any party hereto may change its address for the purpose of this Section 9.4 by giving the other parties hereto written notice of its new address
in the manner set forth above. Any notice, request, instruction or other communication or document given as provided above shall be deemed given to the receiving party (x) upon actual receipt, if delivered personally, (y) on the first
Business Day after deposit with an overnight courier, if sent by an overnight courier, or (z) upon confirmation of successful transmission if sent by email. 

9.5 WAIVER OF JURY TRIAL. EACH PARTY HERETO HEREBY ON BEHALF OF ITSELF, IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT IT MAY HAVE TO
A TRIAL BY JURY IN RESPECT OF ANY PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT AND ANY OF THE AGREEMENTS DELIVERED IN CONNECTION HEREWITH OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY. EACH PARTY HERETO
CERTIFIES AND ACKNOWLEDGES THAT (I) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HERETO HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE EITHER OF SUCH WAIVERS,
(II) IT UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF SUCH WAIVERS, (III) IT MAKES SUCH WAIVERS VOLUNTARILY AND (IV) IT HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS
IN THIS SECTION 9.5. 

  
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 9.6 Interpretation. The section and paragraph headings in this Agreement are for
reference purposes only and shall not affect the meaning or interpretation of this Agreement. If a term is defined as one part of speech (such as a noun), it shall have a corresponding meaning when used as another part of speech (such as a verb).
Unless the context of this Agreement clearly requires otherwise, words imparting the masculine gender shall include the feminine and neutral genders and vice versa, and the definitions of terms contained in this Agreement are applicable to the
singular as well as the plural forms of such terms. The words “includes” or “including” shall mean “including without limitation.” The words “hereof,” “hereby,” “herein,”
“hereunder” and similar terms in this Agreement shall refer to this Agreement as a whole and not any particular section or article in which such words appear, the word “extent” in the phrase “to the extent” shall mean
the degree to which a subject or other thing extends and such phrase shall not mean simply “if.” Any reference to a Law shall include any rules and regulations promulgated thereunder, and shall mean such Law as from time to time amended,
modified or supplemented. References herein to any contract (including this Agreement) mean such contract as amended, supplemented or modified from time to time in accordance with the terms thereof. 

9.7 Entire Agreement; No Other Representations. This Agreement and the Corporate Conversion Agreement contain the entire understanding
among the parties hereto with respect to the matters contemplated hereby and supersede and replace all prior and contemporaneous agreements and understandings, oral or written, with regard to such matters. 

9.8 Severability; Construction. 

(a) In the event that any part of this Agreement is declared by any court or other judicial or administrative body to be null, void or
unenforceable, and all of the other provisions of this Agreement shall remain in full force and effect, with no effect on the validity or enforceability of such other provisions. If any provision of this Agreement, or the application of such
provision to any Person or any circumstance, is invalid or unenforceable, (i) a suitable and equitable provision shall be substituted therefor in order to carry out, so far as may be valid and enforceable, the intent and purpose of such invalid
or unenforceable provision and (ii) the remainder of this Agreement and the application of such provision to other Persons or circumstances shall not be affected by such invalidity or unenforceability, nor shall such invalidity or
unenforceability affect the validity or enforceability of such provision, or the application of such provision, in any other jurisdiction. 

(b) The parties hereto have participated jointly in the negotiation and drafting of this Agreement. If any ambiguity or question of intent
arises, this Agreement will be construed as if drafted jointly by the parties hereto and no presumption or burden of proof will arise favoring or disfavoring any party hereto because of the authorship of any provision of this Agreement. 

9.9 Counterparts. This Agreement may be executed in counterparts, (including by facsimile, “.pdf” files or other electronic
transmission) each of which shall be deemed an original, but all of which when taken together shall constitute the same instrument. 
 9.10
Expenses. All expenses incurred in connection with this Agreement and the transactions contemplated by this Agreement shall be paid by the party incurring such expenses. 

  
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 9.11 Action by BGC Partners. Actions taken under this Agreement on behalf of BGC
Partners will be taken only with the approval of the Joint Committee. 
 9.12 Injunctive Relief. The parties acknowledge and agree
that irreparable damage would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms or were otherwise breached, and that monetary damages, even if available, would not be an
adequate remedy therefor. It is accordingly agreed that BGC Partners shall be entitled to an injunction or injunctions to prevent breaches of this Agreement and to enforce specifically the performance of terms and provisions of this Agreement in any
court referred to in Section 9.1, without proof of actual damages (and Cantor hereby waives any requirement for the securing or posting of any bond in connection with any such remedy), this being in addition to any other
remedy to which BGC Partners is entitled at law or in equity. Cantor further agrees not to assert that a remedy of specific enforcement is unenforceable, invalid, contrary to law or inequitable for any reason, or to assert that a remedy of monetary
damages would provide an adequate remedy for any such breach. 
 [Signature page follows] 

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

			
	BGC PARTNERS, INC.
		
	By:	 	/s/ Stephen M. Merkel
		 	Name: Stephen M. Merkel
		 	Title: Executive Vice President and General Counsel

  
 [Signature Page to
Cantor Support Agreement] 

 
			
	CANTOR FITZGERALD, L.P.
		
	By:	 	/s/ Howard W. Lutnick
		 	Name: Howard W. Lutnick
		 	Title: Chief Executive Officer

  
 [Signature Page to
Cantor Support Agreement]Exhibit
10.2

 

VOTING
AGREEMENT

 

THIS
VOTING AGREEMENT (this “Agreement”), dated as of November 14, 2022 (the “Effective Date”),
is made by and among SHF Holdings, Inc., a Delaware corporation (“Parent”) and the Stockholders listed on Schedule
1 attached hereto (each individually, a “Stockholder” and collectively, the “Stockholders”).

 

WITNESSETH:

 

WHEREAS,
on October 29, 2022 (i) Parent, (ii) SHF Merger Sub I Inc., a Delaware corporation and a direct wholly-owned subsidiary of Parent (“Merger
Sub I”), (iii) SHF Merger Sub II LLC, a Delaware limited liability company and a direct wholly-owned subsidiary of Parent (“Merger
Sub II” and together with Merger Sub I, the “Merger Subs”), (iv) Rockview Digital Solutions, Inc., a Delaware
corporation, d/b/a Abaca (“Abaca”), and (v) Dan Roda, solely in such individual’s capacity as the representative
of the Company Securityholders, entered into an Agreement and Plan of Merger (as amended from time to time in accordance with the terms
thereof, the “Merger Agreement”) pursuant to which (a) Merger Sub I will merge (“Merger I”) with
and into Abaca with Abaca as the surviving entity (the “Interim Surviving Entity”), and (b) immediately following
Merger I, the Interim Surviving Entity will merge with and into Merger Sub II with Merger Sub II as the surviving entity (collectively,
the “Mergers”); and

 

WHEREAS,
each Stockholder owns of record and Beneficially Owns the number of shares of Class A Common Stock, par value $0.0001 per share, of Parent
(the “Common Stock”) set forth opposite such Stockholder’s name on Schedule 1 attached hereto (such shares
of Common Stock, together with any other shares of capital stock of Parent acquired by such Stockholder after the date hereof and during
the term of this Agreement, including any shares issued upon the exercise of any warrants or options, the conversion of any convertible
securities or otherwise and all New Shares (as defined herein) being collectively referred to herein as the “Subject Shares”);
and

 

WHEREAS,
as an inducement and a condition to Parent’s willingness to enter into the Merger Agreement, Parent has required the Stockholders
to enter into this Agreement.

 

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

 

Section
1. Certain Definitions. In addition to the terms defined elsewhere herein, capitalized terms used and not defined herein shall
have the respective meanings ascribed to them in the Merger Agreement. For purposes of this Agreement:

 

(a)
“Beneficially Own” or “Beneficial Ownership” with respect to any securities means having “beneficial
ownership” of such securities as determined pursuant to Rule 13d-3 under the Securities Exchange Act of 1934, as amended (the “Exchange
Act”). Without duplicative counting of the same securities by the same holder, securities Beneficially Owned by a person include
securities Beneficially Owned by all other persons with whom such person would constitute a “group” within the meaning of
Section 13(d) of the Exchange Act with respect to the securities of the same issuer.

 

    	 

     

    

 

Section
2. Representations and Warranties of Stockholder. Each Stockholder represents and warrants severally, but not jointly, to Parent
as follows:

 

(a)
Ownership and Power to Vote Shares. Each Stockholder is, and from the date hereof until the Closing will be, the sole record owner
of the Subject Shares set forth opposite such Stockholder’s name on Schedule 1 and such Stockholder has and will have from
the date hereof until the Closing, good, valid, and marketable title to the Subject Shares. The party signing this Agreement on behalf
of each Stockholder is the Beneficial Owner of all of the Subject Shares. On the date hereof, the Subject Shares (including the options
set forth opposite such Stockholder’s name on Schedule 1) constitute all of the shares of Common Stock owned of record or
Beneficially Owned by such Stockholder. Except as shown on Schedule 1, there are no outstanding options, warrants or other rights
to acquire by or from such Stockholder or obligations of such Stockholder to sell or to acquire, any shares of Common Stock. The party
signing this Agreement on behalf of each Stockholder has, and from the date hereof through the Closing will have, full power individually
or as a trustee of an investment trust, to vote or to direct the voting of, full power to issue instructions or direct the issuance of
instructions with respect to the matters set forth in Section 3, Section 4, and Section 5 hereof, full power to
dispose of or direct the disposition of, and full power to agree to all of the matters set forth in this Agreement, in each case with
respect to all of the Subject Shares.

 

(b)
Power; Binding Agreement. Each Stockholder has the legal capacity, power, and authority to enter into, deliver and perform all
of such Stockholder’s obligations under this Agreement. This Agreement has been duly and validly executed and delivered, and, if
such Stockholder is not a natural person, authorized by such Stockholder and constitutes a valid and binding agreement of such Stockholder,
enforceable against such Stockholder in accordance with its terms except that (i) such enforcement may be subject to applicable bankruptcy,
insolvency or other similar laws, now or hereafter in effect, affecting creditors’ rights generally, and (ii) the remedy of specific
performance and injunctive and other forms of equitable relief may be subject to equitable defenses and to the discretion of the court
before which any proceeding therefor may be brought.

 

(c)
No Conflicts. No filing with, and no permit, authorization, consent, or approval of any Governmental Authority is necessary for
the execution and delivery of this Agreement by such Stockholder and consummation by such Stockholder of the transactions contemplated
hereby. None of the execution and delivery of this Agreement by a Stockholder, or the consummation by a Stockholder of the transactions
contemplated hereby or compliance by such Stockholder with any of the provisions hereof shall (i) if a particular Stockholder is not
a natural person, conflict with or result in any breach of any organizational, governing or trust documents applicable to such Stockholder,
(ii) result in a violation or breach of, or constitute (with or without notice or lapse of time or both) a default (or give rise to any
third party right of termination, cancellation, modification or acceleration) under any of the terms, conditions or provisions of any
note, loan agreement, bond, mortgage, indenture, license, contract, commitment, arrangement, understanding, agreement or other instrument
or obligation of any kind to which such Stockholder is a party or by which such Stockholder or any of its properties or assets (including
the Subject Shares) may be bound, or (iii) violate any Order or Law applicable to such Stockholder or the Subject Shares, except for
any such conflicts, violations, breaches, defaults or other occurrences which would neither, individually or in the aggregate, prevent
or delay the performance by any Stockholder of any of the obligations of such Stockholder pursuant to this Agreement.

 

    	2

     

    

 

(d)
No Encumbrance. Except as would not impair the ability of a Stockholder to perform its obligations hereunder, the Subject Shares
are now, and, at all times during the term hereof, will be, held by such Stockholder free and clear of all Liens, except for any such
Liens arising hereunder.

 

(e)
Reliance. Each Stockholder understands and acknowledges that each of Parent and Merger Subs are entering into the Merger Agreement
in reliance upon such Stockholder’s execution and delivery of this Agreement.

 

Section
3. Voting of the Common Stock. Each Stockholder hereby agrees that, during the period commencing on the Effective Date and continuing
until the first to occur of (a) the Closing or (b) termination of this Agreement in accordance with its terms, at any meeting (whether
annual or special and whether or not an adjourned or postponed meeting) of the holders of Common Stock, however called, at which the
holders of the Common Stock are asked to vote upon a proposal to adopt the Merger Agreement and to approve the Mergers or any other of
the transactions that are the subject of the Merger Agreement, such Stockholder will appear at the meeting or otherwise cause the Subject
Shares to be counted as present thereat for purposes of establishing a quorum and vote (or cause to be voted) all of the Subject Shares:

 

(i)
in favor of and to adopt the Merger Agreement and approve the Mergers and the other transactions contemplated by the Merger Agreement
and any other action reasonably requested by Parent in furtherance thereof; and

 

(ii)
except as otherwise agreed to in writing in advance by Parent in its sole discretion, against the following (other than the Mergers and
the transactions contemplated by the Merger Agreement): (A) any change in a majority of the persons who constitute the board of directors
of Parent, (B) any action or agreement that would result in a breach of any covenant, representation or warranty or any obligation or
agreement of Parent under the Merger Agreement or of such Stockholder under this Agreement, or (C) any action which could reasonably
be expected to materially impede, frustrate, prevent, materially interfere with, materially delay, materially postpone or materially
adversely affect the Mergers and the transactions contemplated by the Merger Agreement.

 

Pursuant
to Nasdaq Rule 5635(d) in the event that the total number of shares of Common Stock to be issued as consideration for the Mergers would
exceed 19.99% of the total number of issued and outstanding shares of Parent Common Stock immediately prior to the consummation of Merger
I (the “Stock Threshold”), then Parent, at its sole option, shall either (x) obtain the requisite approval of its
stockholders to the transactions contemplated by the Merger Agreement prior to issuing an aggregate number of shares of Common Stock
in excess of the Stock Threshold or (y) cause the Merger Consideration to be adjusted and paid in accordance with the provisions of Section
2.01(d) of the Merger Agreement. In the event that the Parent elects to obtain the requisite stockholder approval then the Stockholders
agree to vote in favor of such approval.

 

    	3

     

    

 

Each
Stockholder will not commit or agree to take any action inconsistent with the foregoing.

 

Section
4. Agreement not to Transfer; Additional Shares Subject to Agreement. Each Stockholder agrees with, and covenants to, Parent that,
until termination of the Merger Agreement, except as contemplated by the Merger Agreement, such Stockholder will not request that Parent
register the transfer (book-entry or otherwise) of any certificate or uncertificated interest representing any of the Subject Shares,
unless such transfer is made in compliance with this Agreement and the Merger Agreement.

 

Section
5. Future Cooperation. Each party shall reasonably consult with the other and provide any reasonably necessary information
and material with respect to all filings made by such party with any Governmental Authority in connection with this Agreement and the
Merger Agreement and the transactions contemplated hereby and thereby.

 

Section
6. Fiduciary Duties. Each Stockholder is signing this Agreement, notwithstanding anything to the contrary contained herein, solely
in such Stockholder’s capacity as an owner of its Subject Shares.

 

Section
7. Termination.

 

(a)
This Agreement shall terminate on the earliest to occur of: (a) the termination of the Merger Agreement in accordance with Article
IX of the Merger Agreement, (b) the written agreement of the parties hereto to terminate this Agreement, and (c) the Closing.

 

(b)
Notwithstanding the foregoing, (i) termination of this Agreement shall not prevent any party hereunder from seeking any remedies (at
law or in equity) against any other party hereto for such party’s breach of this Agreement and (ii) Section 8 of this Agreement
shall survive the termination of this Agreement.

 

Section
8. Miscellaneous.

 

(a) Entire
Agreement. This Agreement (including the documents and instruments referred to herein) constitutes the entire agreement among
the parties with respect to the subject matter hereof and supersedes all prior agreements and understandings, both oral and written,
among the parties with respect to the subject matter hereof.

 

(b)
New Shares. Each Stockholder agrees that, in the event (a) of any stock dividend, stock split, recapitalization, reclassification,
combination or exchange of shares of capital stock of Parent on, of or affecting the Subject Shares of such Stockholder, (b) such Stockholder
purchases or otherwise acquires Beneficial Ownership of or an interest in any shares of capital stock of Parent after the execution of
this Agreement (including by conversion), or (c) such Stockholder voluntarily acquires the right to vote or share in the voting of any
shares of capital stock of the Company other than the Subject Shares (collectively, “New Shares”), such Stockholder
shall deliver promptly to Parent written notice of the number of any New Shares acquired by such Stockholder. Each Stockholder also agrees
that any New Shares acquired or purchased by such Stockholder shall be subject to the terms of this Agreement and will be deemed to be
Subject Shares.

 

    	4

     

    

 

(c)
Successors and Assigns. This Agreement shall not be assigned by operation of law or otherwise without the prior written consent
of the other parties hereto. This Agreement shall be binding upon, inure to the benefit of and be enforceable by each party and such
party’s respective heirs, beneficiaries, executors, representatives and permitted assigns.

 

(d)
Amendment and Modification. This Agreement may not be amended, altered, supplemented or otherwise modified or terminated (other
than a termination under Section 7 of this Agreement) except upon the execution and delivery of a written agreement executed by
the parties hereto.

 

(e)
Notices. All notices, requests, claims, demands, consents, approvals and other communications under this Agreement shall be in
writing and shall be deemed given or made (a) as of the date delivered, if delivered personally, (b) as of the date transmitted, if sent
by email (provided that no notice is received by the electronic mail sender indicating that such electronic mail was undeliverable or
otherwise not delivered), (c) three (3) Business Days after being mailed by registered or certified mail (postage prepaid, return receipt
requested) or (d) one (1) Business Day after being sent by a nationally recognized overnight courier (providing proof of delivery), to
the parties at the following addresses (or at such other address for a party as shall be specified by like notice):

 

If
to Parent, to:

 

SHF
Holdings, Inc.

5269
W 62nd Avenue

Arvada,
CO 80003

Attention:
Donnie Emmi

Email:
Donnie@shfinancial.org

 

with
a copy (which shall not constitute notice) to:

 

Akerman
LLP

201
E. Las Olas Suite 1800

Fort
Lauderdale, Florida 33301

Attention:
Rick Fucci and Zachary Kobrin

Email:rick.fucci@akerman.com;
zachary.kobrin@akerman.com

 

If
to Stockholder, to: the address set forth below such Stockholder’s name on the signature page to this Agreement

 

(f)
Severability. If any term, provision, covenant or restriction of this Agreement is held by a court of competent jurisdiction or
other Governmental Authority to be invalid, void or unenforceable, the remainder of the terms, provisions, covenants and restrictions
of this Agreement shall remain in full force and effect and shall in no way be affected, impaired or invalidated so long as the economic
or legal substance of the transactions contemplated hereby is not affected in any manner materially adverse to any party. Upon such a
determination, the parties shall negotiate in good faith to modify this Agreement so as to effect the original intent of the parties
as closely as possible in an acceptable manner in order to that the transactions contemplated hereby be consummated as originally contemplated
to the fullest extent possible.

 

    	5

     

    

 

(g)
Specific Performance. The parties acknowledge and agree that (i) money damages would not be an adequate remedy at law if any party
fails to perform in any material respect any of its obligations hereunder and accordingly agree that each party, in addition to any other
remedy to which it may be entitled in equity, shall be entitled to an injunction or injunctions to prevent breaches or to compel specific
performance of the obligations of any other party under this Agreement in accordance with the terms and conditions of this Agreement
and if any action should be brought in equity to enforce any of the provisions of this Agreement, none of the parties hereto shall raise
the defense that there is an adequate remedy at law, and (ii) such equitable relief shall be the parties’ sole and exclusive remedy.

 

(h)
No Waiver. The failure of any party hereto to exercise any right, power or remedy provided under this Agreement or otherwise available
in respect hereof at law or in equity, or to insist upon compliance by any other party hereto with its obligations hereunder, and any
custom or practice of the parties at variance with the terms hereof, will not constitute a waiver by such party of its right to exercise
any such or other right, power or remedy or to demand such compliance.

 

(i)
No Third Party Beneficiaries. This Agreement is not intended to confer upon any person other than the parties hereto any rights
or remedies hereunder.

 

(j)
Governing Law. This Agreement shall be governed by and construed in accordance with the internal laws of the State of Delaware
(without reference to its choice of law rules that would apply the laws of any other jurisdiction).

 

(k)
Descriptive Heading. The descriptive headings used herein are for reference purposes only and will not affect in any way the meaning
or interpretation of this Agreement.

 

(l)
Expenses. All costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby shall be
paid by the party incurring such expenses.

 

(m)
Further Assurances. From time to time, at any other party’s request and without further consideration, each party hereto
shall execute and deliver such additional documents and take all such further lawful action as may be reasonably necessary to consummate
and make effective, in the most expeditious manner reasonably practicable, the voting of the Subject Shares as contemplated by this Agreement.

 

(n)
Counterparts. This Agreement may be signed in any number of counterparts, each of which shall be an original, with the same effect
as if the signatures hereto were upon the same instrument.

 

    	6

     

    

 

(o)
Waiver of Jury Trial. EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING
ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY.

 

(p)
Venue. The parties hereto agree that any suit, action or proceeding seeking to enforce any provision of, or based on any matter
arising out of or in connection with, this Agreement or the transactions contemplated hereby shall be brought in any federal or state
court in the District of Delaware, and that any cause of action arising out of this Agreement shall be deemed to have arisen from a transaction
of business in the State of Delaware, and each of the parties hereby irrevocably consents to the jurisdiction of such courts (and of
the appropriate appellate courts therefrom) in any such proceeding and irrevocably waives, to the fullest extent permitted by law, any
objection that it may now or hereafter have to the laying of the venue of any such suit, action or proceeding in any such court or that
any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum. Process in any such suit, action
or proceeding may be served on any party anywhere in the world, whether within or without the jurisdiction of any such court. Without
limiting the foregoing, each party agrees that service of process on such party as provided in Section 8(e) shall be deemed effective
service of process on such party.

 

[Remainder
of this page intentionally left blank. Signature pages follow.]

 

    	7

     

    

 

IN
WITNESS WHEREOF, Parent and each Stockholder have caused this Agreement to be duly executed as of the day and year first written
above.

 

	 	PARENT:
	 	 
	 	SHF HOLDINGS, INC.
	 	 
	 	By:	/s/ Sundie Seefried
	 	Name:	 Sundie Seefried
	 	Title:	Chief Executive Officer

 

[Signature Page to Voting
Agreement]

 

    	 

     

    

 

IN
WITNESS WHEREOF, Parent and each Stockholder have caused this Agreement to be duly executed as of the day and year first written
above.

 

	 	STOCKHOLDER:
	 	 
	 	Partner Colorado Credit Union
	 	 
	 	By:	/s/
    Douglas M. Fagan
	 	Name:	Douglas M. Fagan
	 	Title:	CEO
	 	 
	 	Address for Notices:
	 	 
	 	Partner Colorado Credit Union
	 	Attn: Douglas M. Fagan
	 	6221 Sheridan Blvd Arvada, CO 80003

 

[Signature
Page to Voting Agreement]

 

    	 

     

    

 

Schedule
1

 

Stockholders

 

	Stockholder
    Name	 	Shares
    of Common Stock	 	Options
    / Warrants
	Partner
    Colorado Credit Union	 	11,386,139	 	0

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