Company: FOACW
Filing Date: 2025-04-08
Form Type: 424B3
Source: 0001628280-25-017061
Chunk: 18

Company: Finance of America Companies Inc.
Filing Date: 2025-04-08
Form: 424B3
Chunk 18
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 or (2) there are no shares of Class A Common Stock delivered or deliverable upon exchange, other than shares of Class A Common Stock that are eligible to be transferred without condition as contemplated under Rule 144 of the Securities Act of 1933, as amended (the “Securities Act”), subject to customary exceptions. During the continuance of certain registration defaults, additional interest will accrue on the Notes at a rate per annum equal to 0.25% of the principal amount of the Notes to, and including, the 90 th day following such registration default, and 0.50% of the principal amount of the Notes from, and after, the 91 st day following such registration default.

The foregoing description of the Registration Rights Agreement does not purport to be complete and is subject to, and qualified in its entirety by reference to, the full text of the Registration Rights Agreement, a copy of which is filed as an exhibit to the registration statement related to this prospectus.

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### DESCRIPTION OF SECURITIES
The following description of Finance of America Companies Inc.’s Class A Common Stock, and Class B Common Stock, preferred stock, and Warrants, as these securities relate to the Class A Common Stock, is a summary. This summary is subject to the General Corporation Law of the State of Delaware (the “DGCL”) and the complete text of our Amended and Restated Certificate of Incorporation (as amended, the “Charter”) and Amended and Restated Bylaws (the “Bylaws”). We encourage you to read that law and those documents carefully .

#### Authorized and Outstanding Stock
Our Charter authorizes the issuance of up to a total of 6,601,000,000 shares, divided as follows: (i) 6,000,000,000 shares of Class A Common Stock; (ii) 1,000,000 shares of Class B Common Stock and (iii) 600,000,000 undesignated shares of preferred stock, par value $0.0001 per share. Our Board of Directors (the “Board”) may establish the rights and preferences of the preferred stock from time to time. On July 25, 2024, we effected a 10-for-1 reverse stock split of our outstanding shares of Class A Common Stock. As of April 4, 2025 (giving effect to the 10-for-1 reverse stock split), there were 11,008,095 vested shares