Company: FOACW
Filing Date: 2025-03-14
Form Type: S-3
Source: 0001628280-25-012874
Chunk: 46

Company: Finance of America Companies Inc.
Filing Date: 2025-03-14
Form: S-3
Chunk 46
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 in their entirety by reference thereto.

<div align='center'>II-1</div>

## Item 16. Exhibits
The following exhibits are included or incorporated by reference in this registration statement on Form S-3:

| Exhibit No. 
 4.1         
 4.2         |     | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
 Amended and Restated Certificate of Incorporation of Finance of America Companies Inc. (incorporated by reference to Exhibit 3.2 to the Company’s Current Report on Form 8-K filed on April 7, 2021).                                                                                                                                                                                                                                                                                                        
 Certificate of Amendment to Amended and Restated Certificate of Incorporation of Finance of America Companies Inc. (incorporated by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed on July 26, 2024).                                                                                                                                                                                                                                                                            |
|:------------|:----|:-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 4.3         |     | Amended and Restated Bylaws of Finance of America Companies Inc. (incorporated by reference to Exhibit 3.3 to the Company’s Current Report on Form 8-K filed on April 7, 2021).                                                                                                                                                                                                                                                                                                                              |
| 4.4         |     | Indenture, dated as of October 31, 2024,by andamong Finance of AmericaFundingLLC,Finance of America Equity Capital LLC, as parentguarantor,theotherguarantorsparty thereto,Finance of America Companies Inc.and U.S. Bank Trust Company, National Association, as trustee and collateral trustee, relating toFinanceof America Funding LLC’s 10.000%ExchangeableSenior SecuredNotesdue 2029(incorporated by reference to Exhibit 4.3 to the Company’s Current Report on Form 8-K filed on November 4, 2024). |
| 4.5         |     | Registration Rights Agreement, dated as of October 31, 2024,by andamongFinanceof America Companies Inc., Finance of America Funding LLC and U.S. Bank Trust Company, National Association, as trustee(incorporated by reference to Exhibit 4.4 to the Company’s Current Report on Form 8-K filed on November 4, 2024).                                                                                                                                                                                       |
| 4.6         |     | Form of Note Relating to Finance of AmericaFunding LLC’s 10.000%Exchangeable Senior Secured