X0306 4 2021-11-01 0 0001290476 Village Bank & Trust Financial Corp. VBFC 0001199062 WHITTEMORE GEORGE R. P.O. BOX 330 MIDLOTHIAN VA 23113 1 0 0 0 Common Stock 2021-11-01 4 A 0 173 54.48 A 1417 D Common Stock 6786 I IRA Common Stock 1255 I By spouse Common Stock 2186 I By Trust Grant of a time-based restricted stock award dated November 1, 2021 issued under the VBFC 2015 Stock Incentive Plan, subject to a three-year vesting. /s/ George R. Whittemore 2021-11-02