EX-10.22.4





 Exhibit 10.22.4 

AMENDMENT NO. 4 TO MASTER REPURCHASE AGREEMENT 

This Amendment No. 4 to Master Repurchase Agreement, dated as of March 30, 2017 (this “Amendment”), by and among
Nomura Corporate Funding Americas, LLC (“Buyer”) and Finance of America Reverse LLC f/k/a Urban Financial of America, LLC (the “Seller”). 

RECITALS 
 Buyer and
Seller are parties to that certain Master Repurchase Agreement, dated as of April 2, 2015 (the “Existing Repurchase Agreement”; as amended by Amendment No. 1 to Master Repurchase Agreement, dated as of July 7, 2015,
Amendment No. 2 to Master Repurchase Agreement dated as of March 31, 2016, Amendment No. 3 to Master Repurchase Agreement dated as of January 17, 2017 and this Amendment, the “Repurchase Agreement”). Capitalized
terms used but not otherwise defined herein shall have the meanings given to them in the Existing Repurchase Agreement. 
 Buyer and Seller
have agreed, subject to the terms and conditions of this Amendment, that the Existing Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement. 

Accordingly, Buyer and Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing
Repurchase Agreement is hereby amended as follows: 
 SECTION 1. Definitions. Section 2 of the Existing Repurchase
Agreement is hereby amended by deleting subclauses (vii) and (x) of the definition of “Asset Value” in their entirety and replacing them with the following: 

(vii) Reserved; 
 (x)
Reserved; 
 SECTION 2. Asset Schedule Fields. Exhibit G of the Existing Repurchase Agreement is hereby amended by
deleting such exhibit in its entirety and replacing it with Annex A hereto. 
 SECTION 3. Conditions Precedent. This
Amendment shall become effective as of the date hereof, subject to the satisfaction of the following conditions precedent: 

(a) Buyer’s receipt of this Amendment, executed and delivered by the Seller and the Buyer, which is reasonably
satisfactory to Buyer in form and substance; and 
 (b) Buyer’s receipt of the Amendment No. 6 to Pricing Side
Letter, executed and delivered by the Seller and the Buyer, which is reasonably satisfactory to Buyer in form and substance. 












 SECTION 4. Limited Effect. Except as expressly amended and modified by this
Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms and the execution of this Amendment. 

SECTION 5. Counterparts. This Amendment may be executed in any number of counterparts, all of which taken together shall
constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. Counterparts may be delivered electronically. 

SECTION 6. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision
or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. 

SECTION 7. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY THE INTERNAL LAWS OF THE STATE OF NEW YORK WITHOUT GIVING EFFECT TO
THE CONFLICT OF LAW PRINCIPLES THEREOF, OTHER THAN SECTION 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW, WHICH SHALL GOVERN. 

[SIGNATURE PAGES FOLLOW] 

  
 2 













 IN WITNESS WHEREOF, the parties have caused their names to be signed hereto by their
respective officers thereunto duly authorized as of the day and year first above written. 
  

			
	 NOMURA CORPORATE FUNDING
 AMERICAS,
LLC, as Buyer



 
			
		
	By:	 	 /s/ Sanil Patel



 
			
	Name: Sanil Patel
	Title: Managing Director


 Signature Page to Amendment No. 4 to Master Repurchase Agreement 












 
			
	FINANCE OF AMERICA REVERSE LLC f/k/a URBAN FINANCIAL OF AMERICA, LLC


 
			
		
	By:	 	 /s/ Robert Conway



 

			
	Name: Robert Conway
	Title: Treasurer


 Signature Page to Amendment No. 4 to Master Repurchase Agreement 












 ANNEX A 

EXHIBIT G 
 ASSET SCHEDULE
FIELDS 
  

	
	 Simple ID

	 ProductTypeName

	 InitialRate

	 Serv Fee

	 Net Note Rate

	 Current Loan Balance

	 Securitized Balance

	 PrincipalLimit

	 MaxClaimAmount

	 PropertyAppraisedValue

	 MonthlyServicingFee

	 DOB1

	 BorrowerSex

	 DOB2

	 CoBorrowerSex

	 CloseDate

	 State

	 ZIP

	 Gross_Margin

	 Net Margin

	 Payment_Plan

	 Loc

	 ARM_Ceiling

	 Monthly_Payment

	 TermMonths

	 MIPRate

	 Saver

	 CurrentLoanStatus

	 PLU

	 LOCFirstYear

	 LOCAfterFirstYear

	 MonthlyPaymentFirstYear

	 RepairSetAside

	 Buyout Date

	 Property Sales_Proceeds_Amount

	 Initial_Claims_Proceeds_Amount



  
 Exh. G-1 














	
	 Supplemental_Claim_Proceeds_Amount

	 Most Recent Appraisal Value

	 Most Recent Appraisal Date

	 Default Date

	 Called_Due_Date

	 FCL_1st_Legal_Completed_Date

	 FCL_Confirmed_Sale_Date

	 REO Proceeds Date

	 Current Interest Rate

	 Debenture Interest Rate

	 Prior Nomura Funding (Y/N)

	 Original Nomura Funding Date

	 Subsequent Nomura Funding Date

	 Date Converted to REO


  

  
 Exh. G-1