Document:

EX-4.2

 Exhibit 4.2 

FRONTIER COMMUNICATIONS PARENT, INC. 

RESTRICTED STOCK UNIT AWARD AGREEMENT 

THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (this “Agreement”), dated as of (the “Grant Date”), is entered
into by and between Frontier Communications Parent, Inc., a Delaware corporation (the “Company”), and                (the
“Participant”). Capitalized terms used herein without definition have the meanings ascribed to such terms in Section 8. 

WHEREAS, Frontier Communications Corporation, a Delaware corporation and predecessor to the Company, and Robert A. Schriesheim, the trustee of
the Participant (the “Trustee”), are parties to that certain Incentive Compensation Agreement, dated as of July 29, 2020 (the “Incentive Agreement”), pursuant to which the Trustee (or an estate planning vehicle
designated by the Trustee, such as the Participant) is eligible to receive, subject to the terms and conditions of the Incentive Agreement, an award of restricted stock units (“Restricted Stock Units”) in respect of the
Company’s common stock, par value $0.01 (“New Common Stock”), on the date of the Company’s emergence from Chapter 11 proceedings under the U.S. Bankruptcy Code (the “Emergence Date”); and 

WHEREAS, the Company desires to grant to the Participant such restricted stock unit award on the terms and subject to the conditions set forth
herein. 
 NOW, THEREFORE, in consideration of the mutual covenants and promises hereinafter set forth and for other good and valuable
consideration, the parties hereto hereby mutually covenant and agree as follows: 
 1.    Grant of RSUs. The
Company hereby grants to the Participant an award of Restricted Stock Units in respect of 183,844 shares of New Common Stock (the “RSUs”) on the terms and subject to the conditions set forth in this Agreement. 

2.    Vesting. 

(a)    Normal Vesting. Subject to Section 2(b), the RSUs shall vest as follows: 

(i)    164,578 RSUs shall be vested as of the Grant Date; 

(ii)    6,308 RSUs (the “Award 2 RSUs”) shall become vested if, on or prior to the date that is 18
months following the Grant Date (the “Outside Date”), the Average Share Price equals or exceeds the Award 2 Price; and 

(iii)    12,958 RSUs (the “Award 3 RSUs”) shall become vested if, on or prior to the Outside Date, the
Average Share Price equals or exceeds the Award 3 Price. 
 Any RSUs that have not vested as of the Outside Date shall automatically be cancelled for no
consideration on the Outside Date. 
 (b)    Change in Control. Notwithstanding Sections 2(a)(ii) and
2(a)(iii), if a Change in Control occurs prior to the Outside Date, then (i) if the Change in Control Price equals or exceeds the Award 2 Price, any Award 2 RSUs that have not yet vested will vest, and (ii) if the

 
Change in Control Price equals or exceeds the Award 3 Price, any Award 3 RSUs that have not yet vested will vest. Any RSUs that do not vest upon a Change in Control pursuant to the foregoing
shall immediately be cancelled for no consideration. 
 3.    Settlement. Subject to
Section 6, within 10 days following the vesting of any portion of the RSUs, the Company shall, at the Participant’s election, either (a) issue to the Participant one share of New Common Stock for each RSU that
becomes vested on the applicable vesting date or (b) pay to the Participant an amount in cash in a lump sum equal to the product of (i) the number of RSUs that became vested on the applicable vesting date and (ii) the volume-weighted
average price of a share of New Common Stock over the five trading days immediately preceding the date on which the applicable RSUs became vested. 

4.    Dividend Equivalents; Rights as Stockholder. Until such time as the RSUs have been settled pursuant to
Section 3, the Participant shall have no rights as a stockholder, including, without limitation, any right to dividends or other distributions or any right to vote. Notwithstanding the foregoing, if the Company declares any
dividend the record date of which occurs while the RSUs are outstanding (i.e., have not been settled pursuant to Section 3), the Participant shall be credited a dividend equivalent in an amount and form equal to the
dividend that would have been paid on the shares of New Common Stock underlying such outstanding RSUs had such shares been outstanding on such record date. Any such dividend equivalents shall be subject to the same vesting conditions applicable to
the underlying RSU with respect to which they accrue, and shall, if the underlying RSU vests, be paid no later than 10 days following the applicable vesting date. 

5.    Non-Transferability. The RSUs may not, at any time prior to being
settled, be assigned, alienated, pledged, attached, sold, or otherwise transferred or encumbered by the Participant, other than by will or by the laws of descent and distribution. Any such purported assignment, alienation, pledge, attachment, sale,
transfer, or encumbrance shall be void and unenforceable against the Company. 
 6.    Taxes. The Participant
acknowledges and agrees that the Participant is and shall be solely responsible for the payment of all federal, state, local, and foreign taxes that are required by applicable laws or regulations to be paid with respect to the settlement of the RSUs
(the “Applicable Taxes”). Notwithstanding the foregoing and without limiting Section 3, at the time of the settlement of any vested RSUs, the Participant may require the Company to settle for cash a number
of shares of New Common Stock otherwise issuable pursuant to such vested RSUs having a then-current Fair Market Value equal to the Applicable Taxes; provided that any such cash settlement pursuant to this sentence shall not exceed 50% of the
Fair Market Value of the vested RSUs on the applicable settlement date. 
 7.    Adjustment for Change in
Capitalization. 
 (a)    Corporate Transaction. In the event of a merger, consolidation, acquisition of property
or shares, stock rights offering, liquidation, disposition for consideration of the Company’s direct or indirect ownership of a subsidiary, or similar event affecting the Company or any of its subsidiaries (each, a “Corporate
Transaction”), the Committee or the Board may in its discretion make such substitutions or adjustments as it deems appropriate and equitable to (i) the number and kind of shares of New Common Stock or other securities subject to
outstanding RSUs, and (ii) the per share thresholds set forth in Section 2(a). 

  
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 (b)    Share Change. In the event of a stock dividend, stock
split, reverse stock split, reorganization, share combination, or recapitalization or similar event affecting the capital structure of the Company, or separation or spinoff, in each case, without consideration, or other extraordinary dividend of
cash or other property to the Company’s stockholders (each, a “Share Change”), the Committee or the Board shall make such substitutions or adjustments as it deems appropriate and equitable to (i) the number and kind of
shares of New Common Stock or other securities subject to outstanding RSUs, and (ii) the per share thresholds set forth in Section 2(a). 

(c)    Types of Adjustments. In the case of Corporate Transactions, such adjustments may include, without
limitation, (i) the cancellation of outstanding RSUs in exchange for payments of cash, property, or a combination thereof having an aggregate value equal to the value of such RSUs, as determined by the Committee or the Board in its good faith
discretion; (ii) the substitution of other property (including, without limitation, cash or other securities of the Company and securities of entities other than the Company) for the shares of New Common Stock subject to outstanding RSUs; and
(iii) in connection with any sale of a division, separation, or spinoff, arranging for the assumption of RSUs, or replacement of RSUs with new awards based on other property or other securities (including, without limitation, other securities
of the Company and securities of entities other than the Company), by the affected subsidiary, affiliate, or division or by the entity that controls such subsidiary, affiliate, or division following such transaction (as well as any corresponding
adjustments to RSUs that remain based upon Company securities). 
 8.    Certain Definitions. For purposes of
this Agreement, the following terms have the meanings set forth below: 
 “Average Share Price” means, with respect to any
particular date of determination, the volume-weighted average closing price of a share of New Common Stock over the 10 trading day period immediately preceding such date of determination. 

“Award 2 Price” means $[·].1 
 “Award 3 Price”
means $[·].2 

“Board” means the Board of Directors of the Company. 

“Change in Control” has the meaning set forth in the Frontier Communications Corporation 2017 Equity Incentive Plan as in
effect on the date of the Incentive Agreement.3 
  

	1 	 To equal 139% of the per share closing price of the New Common Stock on the Grant Date. 

	2 	 To equal 255% of the per share closing price of the New Common Stock on the Grant Date. 

	3 	 If as of the Emergence Date a new management incentive plan for Reorganized Frontier has been adopted, then
“change in control” will have the meaning set forth in such management incentive plan. 

  
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 “Change in Control Price” means the fair market value of the consideration
payable per share of New Common Stock to the holders thereof in connection with a Change in Control. 
 “Committee” means
the Compensation Committee of the Board. 
 “Exchange Act” means the Securities Exchange Act of 1934, as amended. 

“Fair Market Value” means the closing price of the New Common Stock on any national securities exchange or any national
market system on the date of determination, or if no prices are reported on that date, on the last preceding date on which such prices of the New Common Stock are so reported. If the New Common Stock is not then listed on any national securities
exchange but is traded over-the-counter on the date a determination of its Fair Market Value is required to be made, its Fair Market Value shall be deemed to be equal to
the average between the reported high and low sales prices of New Common Stock on the most recent date on which New Common Stock was publicly traded. If the New Common Stock is not publicly traded at the time a determination of its Fair Market Value
is made, the Board shall reasonably determine the Fair Market Value in good faith based on the price at which shares of New Common Stock would be sold by a willing buyer to a willing seller, neither acting under compulsion, without applying any
discounts for minority interest, illiquidity, transfer restrictions, or other, similar factors). 
 “Securities Act” means
the Securities Act of 1933, as amended. 
 9.    Miscellaneous. 

(a)    Compliance with Laws. The grant of RSUs and the issuance of shares of New Common Stock hereunder shall be
subject to, and shall comply with, any applicable requirements of any foreign and U.S. federal and state securities laws, rules, and regulations (including, without limitation, the provisions of the Securities Act, the Exchange Act, and in each case
any respective rules and regulations promulgated thereunder) and any other law, rule, regulation, or exchange requirement applicable thereto. 

(b)    Successors. Once executed, the terms of this Agreement shall be binding upon and inure to the benefit of the
Company and its successors and assigns, and of the Participant and the beneficiaries, executors, administrators, and heirs of the Participant. 

(c)    No Waiver; Amendment. No waiver of any right hereunder by any party shall operate as a waiver of any other
right, or as a waiver of the same right with respect to any subsequent occasion for its exercise, or as a waiver of any right to damages. No waiver by any party of any breach of this Agreement shall be held to constitute a waiver of any other breach
or a waiver of the continuation of the same breach. This Agreement may be amended or modified only by a written instrument executed by the Participant and the Company. 

(d)    Severability. The invalidity or unenforceability of any provision of this Agreement shall not affect the
validity or enforceability of any other provision of this Agreement, and each other provision of this Agreement shall be severable and enforceable to the extent permitted by law. 

  
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 (e)    No Right to Service. Nothing contained in this Agreement
shall be construed as giving the Participant any right to be retained, in any position, as an employee, consultant, or director of the Company or its subsidiaries or shall interfere with or restrict in any way the right of the Company or its
subsidiaries to remove, terminate, or discharge the Participant at any time for any reason whatsoever. 

(f)    Unfunded Plan. The award of RSUs is unfunded and the Participant shall be considered an unsecured creditor
of the Company with respect to the Company’s obligations, if any, to issue shares of New Common Stock pursuant to this Agreement. Nothing contained in this Agreement, and no action taken pursuant to its provisions, shall create or be construed
to create a trust of any kind or a fiduciary relationship between the Participant and the Company or any other person. 

(g)    Successors. The terms of this Agreement shall be binding upon and inure to the benefit of the Company, its
successors and assigns, and of Participant and the beneficiaries, executors, administrators, heirs, and successors of Participant. 

(h)    Entire Agreement. This Agreement contains the entire agreement and understanding of the parties hereto with
respect to the subject matter contained herein and supersedes all prior communications, representations, and negotiations with respect thereto. 

(i)    Governing Law. This Agreement shall be construed and interpreted in accordance with the internal laws of the
State of Delaware without regard to principles of conflicts of law thereof, or principles of conflicts of laws of any other jurisdiction that could cause the application of the laws of any jurisdiction other than the State of Delaware. 

(j)    Business Days. If any time period for giving notice or taking action hereunder expires on a day that is a
Saturday, Sunday, or holiday in the state in which the Company’s principal executive office is located, the time period shall be automatically extended to the business day immediately following such Saturday, Sunday, or holiday. 

(k)    Headings. The headings of the Sections hereof are provided for convenience only and are not to serve as a
basis for interpretation or construction, and shall not constitute a part, of this Agreement. 

(l)    Counterparts. This Agreement may be executed in one or more counterparts, each of which shall be deemed to
be an original, but all of which taken together shall constitute one and the same instrument. 
 (m)    Section 409A
of the Code. It is intended that the RSUs granted pursuant to this Agreement and the provisions of this Agreement be exempt from or comply with Section 409A of the Internal Revenue Code of 1986, as amended (the “Code”), and
all provisions of this Agreement shall be construed and interpreted in a manner consistent with the requirements for avoiding taxes or penalties under Section 409A of the Code. Notwithstanding the foregoing, the Participant shall be solely
responsible and liable for the satisfaction of all taxes and penalties that may be imposed on the Participant or for the Participant’s account in connection with the RSUs hereunder (including any taxes and penalties under Section 409A of
the Code), and neither the Company nor any of its affiliates or predecessors shall have any obligation to indemnify or otherwise hold the Participant harmless from any or all such taxes or penalties. 

  
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 [Signature Page Follows] 

  
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 IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first
written above. 
  

			
	Frontier Communications Parent, Inc.
		
	By:	 	  

		 	Name:
		 	Title:
		
	By:	 	  

		 	Name:
		 	Title:

 [Signature Page to Restricted Stock Unit Award Agreement]Document

Exhibit 10.1

REINSURANCE GROUP OF AMERICA, INCORPORATED
FLEXIBLE STOCK PLAN
PERFORMANCE CONTINGENT SHARE AGREEMENT
Reinsurance Group of America, Incorporated, a Missouri corporation (the “Company”), and _______________________ (“Employee”), hereby agree as follows:  
SECTION 1
GRANT OF PERFORMANCE SHARES 
Pursuant to the Reinsurance Group of America, Incorporated Flexible Stock Plan, as amended and restated effective May 23, 2017 (the “Plan”), and pursuant to action of the Committee charged with the Plan’s administration, the Company has granted to Employee, effective ____________ (the “Date of Grant”), subject to the terms, conditions and limitations stated in this Performance Contingent Share Agreement (this “Agreement”), the Plan and the Company’s Executive Compensation Recoupment Policy (as discussed in Section 6(c)), an award of performance contingent shares with respect to ____________ shares of Common Stock (the “Target Grant”).  The performance contingent shares awarded to Employee in this Agreement are referred to herein as “Performance Shares.”
SECTION 2
TERMS OF GRANT 
1.Vesting and Performance Periods.  The vesting period for this award is the three (3) year period beginning January 1 of the year of the Date of Grant, and ending December 31 of the second year following the year of the Date of Grant (i.e., year 3) (the “Vesting Period”).  The performance period for this award is the two (2) year period beginning January 1 of the year of the Date of Grant, and ending December 31 of the first year following the year of the Date of Grant (i.e., year 2) (the “Performance Period”).  
2.Payment.  
i.Performance Shares Payable In Common Stock.  Subject to early termination of this Agreement pursuant to Sections 4 or 5 below, as soon as practicable following the end of the Performance Period, the Company shall determine the Adjusted Operating Return on Equity (as defined in Section 3(c)), Adjusted Operating Income (as defined in Section 3(d)) and Book Value Per Share, Excluding AOCI (as defined in Section 3(e)) over each of the first and second years of the Performance Period.  The Company shall then adjust the number of Performance Shares constituting the Target Grant as provided in Section 3 to determine the number of Performance Shares earned hereunder.  On or after January 1 but no later than December 31 following the last day of the Vesting Period, the Company will deliver to Employee one (1) share of the Company’s Common Stock for each Performance Share earned under this Agreement; provided, however, that any fractional Performance Share shall be paid in cash equal to such fraction of the Fair Market Value of a share of Common Stock on the date of payment; provided, further, that 
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the Committee shall have the discretion to reduce or eliminate the number of shares of Common Stock delivered hereunder. 
ii.Dividend Equivalents.  Performance Shares shall not include dividend equivalent payments or dividend credit rights.  
SECTION 3
PERFORMANCE CRITERIA AND ADJUSTMENTS
i.Performance Criteria.  The measures and weights for the grant of Performance Shares subject to this Agreement are set forth in a memorandum (the “Memorandum”) provided to Employee by the Company.
b.Adjustment of Target Grant.  As specified in the Memorandum, the number of Performance Shares in the Target Grant will be adjusted at the end of the Performance Period as determined by the Committee as follows: 
a.Thirty-three and one-half percent (33.5%) of the number of Performance Shares in the Target Grant will increase or decrease based upon the Company’s Adjusted Operating Return on Equity over the Performance Period; 
b.Thirty-three and one-half percent (33.5%) of the number of Performance Shares in the Target Grant will increase or decrease based upon the Company’s Adjusted Operating Income over the Performance Period; and 
c.Thirty-three percent (33%) of the number of Performance Shares in the Target Grant will increase or decrease based upon the Company’s Book Value Per Share, Excluding AOCI over the Performance Period. 
In no event will Employee be entitled to receive a total number of shares of Common Stock with respect to Performance Shares in excess of 200% of the Target Grant, even if the Company’s Adjusted Operating Return on Equity, Adjusted Operating Income and/or Book Value Per Share, Excluding AOCI during the Performance Period exceeds the maximum values established for any such measure(s). 
2.Adjusted Operating Return on Equity.  “Adjusted Operating Return on Equity” for the applicable year is the adjusted operating income for the year divided by average adjusted stockholders’ equity, as may be adjusted as provided in Section 3(f).  Adjusted stockholders’ equity represents total stockholders’ equity excluding accumulated other comprehensive income.  The average of adjusted stockholders’ equity will use monthly data points during the one-year evaluation period.  Adjusted Operating Return on Equity, adjusted operating income and adjusted stockholders’ equity are non-GAAP financial measures.  
3.Adjusted Operating Income.  “Adjusted Operating Income” for the applicable year is net income excluding items approved by the Committee that are not indicative of the Company’s ongoing operations, as may be adjusted as provided in Section 3(f).  Such items 
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include, but are not limited to, substantially all of the after-tax effects of net investment related gains and losses, changes in the fair value of certain embedded derivatives and related deferred acquisition costs, any net gain or loss from discontinued operations, the cumulative effect of any accounting changes and certain tax related items.  Adjusted Operating Income is a non-GAAP financial measure.  
4.Book Value Per Share, Excluding AOCI.  “Book Value Per Share, Excluding AOCI” for the applicable year is the Company’s adjusted stockholders’ equity divided by the end of period outstanding shares of Common Stock, as may be adjusted as provided in Section 3(f).  Book Value Per Share, Excluding AOCI and adjusted stockholders’ equity are non-GAAP financial measures.
5.Potential Adjustment.  Each of Adjusted Operating Return on Equity, Adjusted Operating Income and Book Value Per Share, Excluding AOCI may be adjusted by the Committee from time to time following the date of this Agreement to account for the effects of unusual or non-recurring accounting impacts or changes in accounting standards or treatment or any other unusual or extraordinary items as determined by the Committee from time to time.    
SECTION 4
CONDITIONS AND LIMITATIONS ON RIGHT TO RECEIVE 
PERFORMANCE SHARES OR COMMON SHARES

1.Demotion or Transfer.  If Employee is demoted or transferred to a position with the Company or any of its Affiliates in which Employee is not eligible to participate in the Plan prior to the expiration of the Vesting Period, as determined by the Committee, this Agreement will terminate and be of no further force or effect and the Performance Shares awarded to Employee hereunder shall be forfeited. 
2.Termination of Employment. 
a.Death or Disability. If Employee ceases to be employed by the Company or any of its Affiliates prior to the expiration of the Vesting Period due to death or Disability, Employee (or, upon Employee’s death, the legal representative of Employee’s estate or revocable living trust) shall receive a pro rata proportion of the shares of Common Stock that would have been issued to Employee under this Agreement, determined by multiplying such shares by a fraction, the numerator of which is the number of calendar months in the Vesting Period during which Employee’s employment continued, and the denominator of which is 36.  Such pro rata proportion shall be paid to Employee (or, upon Employee’s death, the legal representative of Employee’s estate or revocable living trust) at the same time and in the same manner as specified in Section 2(b) above.  Employment for any portion of a calendar month shall be deemed employment for that calendar month.  For purposes of this Agreement, “Disability” shall mean disability as defined in any long-term disability plan maintained by the Company or an Affiliate which covers Employee or, in the absence of any such plan, the physical or mental condition of Employee arising during the Vesting Period, which in the opinion of 
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a qualified physician chosen by the Company prevents Employee from continuing employment with the Company and its Affiliates.
b.Retirement.  If Employee ceases to be a full-time employee of the Company or any of its Affiliates (as may be determined by the Company or such Affiliate from time to time) at any time during the first year of the Vesting Period due to Retirement, this Agreement will terminate and be of no further force or effect and the Performance Shares awarded to Employee hereunder shall be forfeited, unless otherwise determined by the Committee. 
If Employee ceases to be employed by the Company or any of its Affiliates at any time during the second or third year of the Vesting Period due to Retirement, Employee (or, upon Employee’s death following Retirement, the legal representative of Employee’s estate or revocable living trust) shall receive the shares of Common Stock that would have been issued to Employee under this Agreement had the Retirement not occurred, payable as set forth in Section 2(b) above; provided, however, that (i) Employee must maintain full-time equivalent employment status (as may be determined by the Company or such Affiliate) through December 31 of the first year of the Vesting Period and (ii) if, following any such Retirement, Employee is employed by or associated with an organization that competes with the Company or any of its Affiliates as determined by the Committee, this Agreement will terminate and be of no further force or effect and the Performance Shares awarded to Employee hereunder shall be forfeited, unless otherwise determined by the Committee.  
For purposes of this Agreement, “Retirement” shall mean termination of employment with the Company and its Affiliates after Employee has attained a combination of age and years of service that equals at least sixty-five (65); provided that, (A) Employee has been employed by the Company and its Affiliates for at least five (5) years and (B) the maximum number of years of service credited for purposes of this calculation shall be ten (10).
c.Other Termination.  If Employee’s employment with the Company and its Affiliates is terminated prior to payment of the shares of Common Stock as specified in Section 2(b) above, whether voluntarily or involuntarily, for any reason other than death, Disability or Retirement, this Agreement will terminate and be of no further force or effect and the Performance Shares awarded to Employee hereunder shall be forfeited, unless otherwise determined by the Committee.
SECTION 5
CHANGE OF CONTROL

Notwithstanding anything herein to the contrary, if a Change of Control occurs during the Vesting Period prior to Employee’s death, Disability, Retirement or other termination of employment, the number of Performance Shares in the Target Grant shall not be adjusted at the end of the Performance Period as provided in Section 3(b) and Employee shall instead be deemed to have earned the number of Performance Shares constituting the Target Grant.  The 
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number of shares of Common Stock due following a Change of Control determined in accordance with Sections 1 and 2(b) and this Section 5 (and, upon Employee’s death, Disability or Retirement prior to the end of the Vesting Period, Section 4(b)) shall be delivered to Employee (or, upon Employee’s death, the legal representative of Employee’s estate or revocable living trust) at the same time and in the same manner as specified in Section 2(b) above.  Section 4(b)(3) shall not apply in the case of involuntary termination of Employee’s employment by the Company or an Affiliate following a Change of Control other than for cause.  For purposes of this Section, “cause” shall mean (a) any conduct, act or omission that is contrary to Employee’s duties as an officer or employee of the Company or any of its Affiliates, or that is inimical or in any way contrary to the best interests of the Company or any of its Affiliates, or (b) employment of Employee by or association of Employee with an organization that competes with the Company or any of its Affiliates, in each case as determined by the Committee. 
SECTION 6
MISCELLANEOUS

    (a)    Rights in Shares Prior to Issuance.  Prior to issuance of shares of Common Stock in accordance with Section 2(b), neither Employee nor his or her legatees, personal representatives or distributees (i) shall be deemed to be a holder of any shares of Common Stock represented by the Performance Shares awarded hereunder or (ii) have any voting rights with respect to any such shares.  

    (b)    Non-assignability.  The Performance Shares shall not be transferable by Employee other than by will or by the laws of descent and distribution; provided that, Employee may transfer the Performance Shares during his or her lifetime to a revocable living trust of which Employee is grantor, or to another form of trust indenture of which Employee is a grantor or a beneficiary.  

    (c)    Recoupment.  The awards granted pursuant to this Agreement are subject to the terms and conditions contained in the Company’s Executive Compensation Recoupment Policy (the “Recoupment Policy”), which permits the Company to recoup all or a portion of awards made to certain employees upon the occurrence of any Recoupment Event (as defined in the Recoupment Policy).    

(d)     Securities Law Requirements.  The Company shall not be required to issue shares of Common Stock pursuant to this Agreement unless and until (i) such shares have been duly listed upon each stock exchange on which the Company’s Common Stock is then registered and (ii) a registration statement under the Securities Act of 1933, as amended, with respect to such shares is then effective. 
    (e)    Designation of Beneficiaries.  Employee may file with the Company a written designation of a beneficiary or beneficiaries to receive, upon Employee’s death, the shares of Common Stock determined in accordance with Section 4(b) and subject to all of the provisions of this Agreement.  An Employee may from time to time revoke or change any such designation of beneficiary and any designation of beneficiary under the Plan shall be controlling over any 
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other disposition, testamentary or otherwise; provided, however, that if the Committee shall be in doubt as to the right of any such beneficiary to receive shares of Common Stock, the Committee may recognize only receipt of such shares by the personal representative of the estate of Employee, in which case the Company, the Committee and the members thereof shall not be under any further liability to anyone.

    (f)    Changes in Capital Structure.  If there is any change in the Common Stock by reason of any extraordinary dividend, stock dividend, spinoff, splitup, spinout, recapitalization, warrant or rights issuance or combination, exchange or reclassification of shares, merger, consolidation, reorganization, sale of substantially all assets or, as determined by the Committee, other similar or relevant event, then the number, kind and class of shares of Common Stock available for Performance Shares and the number, kind and class of shares of Common Stock subject to outstanding Performance Shares, as applicable, shall be appropriately adjusted by the Committee.  The issuance of shares of Common Stock for consideration and the issuance of rights with respect to Common Stock shall not be considered a change in the Company’s capital structure.  No adjustment provided for in this Section shall require the issuance of any fractional shares.

    (g)    Right to Continued Employment.  Nothing in this Agreement shall confer on Employee any right to continued employment or interfere with the right of an employer to terminate Employee’s employment at any time.

    (h)    Tax Withholding.  Employee must pay, or make arrangements acceptable to the Company for the payment of any and all federal, state and local tax withholding that in the opinion of the Company is required by law.  Unless Employee satisfies any such tax withholding obligation by paying the amount in cash or by check, the Company will withhold shares of Common Stock having a Fair Market Value on the date of withholding equal to the tax withholding obligation.

(i)    Copy of Plan.  By signing this Agreement, Employee acknowledges receipt of a copy of the Plan and any offering circular related to the Plan. 
(j)    Choice of Law; Venue.  This Agreement will be governed by the laws of the State of Missouri, without giving regard to the conflict of law provisions thereof.  Any legal action arising out of this Agreement may only be brought in the Circuit Court in St. Louis County and/or the United States District Court in St. Louis, Missouri. 
(k)    Execution.  An authorized representative of the Company has signed this Agreement, and Employee has signed this Agreement to evidence Employee’s acceptance of the award on the terms specified in this Agreement and the Plan, all as of the Date of Grant. 
(l)    Section 409A. This Agreement is intended to comply with Section 409A of the Code or an exemption thereunder and shall be construed and interpreted in a manner that is consistent with the requirements for avoiding additional taxes or penalties under Section 409A of the Code. Notwithstanding the foregoing, the Company makes no representations that the 
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payments and benefits provided under this Agreement comply with Section 409A of the Code and in no event shall the Company be liable for all or any portion of any taxes, penalties, interest or other expenses that may be incurred by Employee on account of non-compliance with Section 409A of the Code.  Notwithstanding anything herein to the contrary, if Employee is determined to be a specified employee within the meaning of Section 409A of the Code, any payment on account of termination of employment shall be made on the first payroll date which is more than six months following the date of Employee’s termination of employment to the extent required to avoid any adverse tax consequences under Section 409A of the Code.  To the extent necessary for compliance with Code Section 409A, references to termination of employment under this Agreement shall mean a “separation from service” within the meaning of Section 409A of the Code.  
SECTION 7
TERMS OF THE PLAN

This award is granted under and is expressly subject to all the terms and provisions of the Plan, which terms are incorporated herein by reference.  The Plan and this Agreement are administered by the Committee.  Any determination under the Plan or this Agreement made by the Committee shall be at the Committee’s sole discretion.  Capitalized terms used and not otherwise defined in this Agreement shall have the same meanings ascribed to them in the Plan.    
Signature page follows.

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IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of this ___ day of ________, ____.
Reinsurance Group of America, Incorporated 
By: ____________________________ 
Anna Manning
President & Chief Executive Officer 
Employee 
_______________________________ 
Name: _________________________
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