Company: FOACW
Filing Date: 2025-03-14
Form Type: S-3
Source: 0001628280-25-012874
Chunk: 20

Company: Finance of America Companies Inc.
Filing Date: 2025-03-14
Form: S-3
Chunk 20
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 for the issuance of (i) $195,783,947 aggregate principal amount of FOA Funding’s new 7.875% Senior Secured Notes due 2026, (ii) $146,793,000 aggregate principal amount of the Notes and (iii) cash consideration of $856,555.

In connection with the issuance of the Notes as part of the exchange offer and consent solicitation, the Company, FOA Funding and U.S. Bank Trust Company, National Association, as trustee, entered into the registration rights agreement, dated as of October 31, 2024 (the “Registration Rights Agreement”), pursuant to which we have agreed to register the shares of Class A Common Stock deliverable upon exchange of the Notes.

The Company has agreed to use its commercially reasonable efforts to (i) cause such shelf registration statement to become effective on or prior to the 180 th day after the date of issuance of the Notes and (ii) keep the shelf registration statement effective to and including the earlier of (a) November 30, 2029 (the maturity date of the Notes) and (b) the date on which (1) there are no longer any Notes outstanding 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