Document:

EX-10.8

 Exhibit 10.8 

AMENDED AND RESTATED 

UFG HOLDINGS LLC 

MANAGEMENT LONG-TERM 

INCENTIVE PLAN 

WHEREAS, UFG Holdings LLC, a Delaware limited liability company (together with its successors, the “Company”), adopted
the UFG Holdings LLC Management Long-Term Incentive Plan, effective as of January 1, 2015 (the “Original Plan”); and 

WHEREAS, in connection with the execution of that certain Transaction Agreement (the “Transaction Agreement”), dated
as of October 12, 2020 (the “Signing Date”), by and among Replay Acquisition Corp., a Cayman Islands exempted company (“Purchaser”), Finance of America Companies Inc., a Delaware corporation and wholly owned
Subsidiary of Purchaser (“New Pubco”), RPLY Merger Sub LLC, a Delaware limited liability company and wholly owned Subsidiary of New Pubco, RPLY BLKR Merger Sub LLC, a Delaware limited liability company and wholly owned Subsidiary of
New Pubco, Blackstone Tactical Opportunities Fund (Urban Feeder) – NQ L.P., a Delaware limited partnership (“Blocker”), Blackstone Tactical Opportunities Associates – NQ L.L.C., a Delaware limited liability company
(“Blocker GP”), Finance of America Equity Capital LLC, a Delaware limited liability company, BTO Urban Holdings L.L.C., a Delaware limited liability company, Blackstone Family Tactical Opportunities Investment Partnership – NQ
– ESC L.P., a Delaware limited partnership, Libman Family Holdings LLC, a Connecticut limited liability company, The Mortgage Opportunity Group LLC, a Connecticut limited liability company, L and TF, LLC, a North Carolina limited liability
company, UFG Management Holdings LLC, a Delaware limited liability company, and Joe Cayre, and in accordance with Section 10.1 of the Original Plan, the Company desires to amend and restate the Original Plan in its entirety, as of the Signing
Date, subject to and conditioned upon the occurrence of the Closing (as defined in the Transaction Agreement), to provide the following: 
  

	1.	 Purpose of the Plan. 

The purpose of the Plan is to promote the interests of the Company Group by providing key employees of the Company Group, who are largely
responsible for the management, growth and protection of the business of the Company Group with an appropriate incentive to encourage them to continue in the employment of the Company Group and to improve the growth and profitability of the Company
Group. This Plan is effective as of the Signing Date, subject to and conditioned upon the occurrence of the Closing. 
  

	2.	 Definitions. 

As used in this Plan, the following capitalized terms shall have the following meanings: 

(a) “Administrator” shall mean the Board or such committee of the Board, as the Board shall appoint from time
to time to administer the Plan. 
 (b) “Aggregate Distributions” shall mean the aggregate amount of all
Distributions received by the Members on or prior to the Closing Date. 

 (c) “Award Agreement” shall mean an Award Agreement (as
defined in the Omnibus Incentive Plan) evidencing the grant of the Replacement RSUs, substantially in the form attached hereto as Exhibit A; provided, that the Administrator may make such changes to the form of Award Agreement for any
particular grant of Replacement RSUs as the Administrator may determine pursuant to its powers set forth in Section 3 of the Plan or Section 4 of the Omnibus Incentive Plan. 

(d) “Board” shall mean prior to the Closing, the Board of Managers of UFG Holdings and on or following the
Closing, the Board of Directors of New Pubco. 
 (e) “Capital Contributions” shall mean, in respect of any
Units, the amount of money and the initial Gross Asset Value of property (other than money) contributed to the Company by a Member in exchange for, or in respect of, such Units, in each case, on or prior to the Closing Date. 

(f) “Cause” shall mean, when used in connection with the termination of a Participant’s employment,
unless otherwise defined in another written agreement in effect at such time, the termination of the Participant’s employment with the Employer on account of (i) such Participant’s gross negligence or willful misconduct in the
performance of his or her duties or responsibilities for the Employer which is substantially injurious to any member of the Company Group (whether financially, reputationally or otherwise); (ii) such Participant’s willful misconduct which
is substantially injurious to the Company Group (whether financially, reputationally or otherwise); (iii) such Participant’s material breach of the Plan, the Award Agreement or any other agreement with any member of the Company Group;
(iv) such Participant’s material breach of written Company Group policies applicable to the Participant which is substantially injurious to any member of the Company Group (whether financially or reputationally or otherwise); (v) a
material breach of any Restrictive Covenants or confidentiality obligations to any member of the Company Group; (vi) the commission by such Participant of any felony or other serious crime involving moral turpitude; or (vii) a violation by
such Participant of any applicable regulatory requirements resulting in a license suspension or revocation or a material enforcement action by any governmental body to which the any member of the Company Group is subject other than an immaterial
violation that does not significantly reflect on the Participant’s character. Any rights the Company Group may have hereunder in respect of the events giving rise to Cause shall be in addition to the rights the Company Group may have under any
other agreement with the Participant or at law or in equity. If, subsequent to a Participant’s termination for any reason other than by the Employer for Cause, the Employer determines that such Participant’s employment could have been
terminated for Cause, such Participant’s employment will be deemed to have been terminated for Cause for all purposes, and such Participant will be required to disgorge to the Company or New Pubco, as applicable, all amounts received pursuant
to this Plan on account of such termination that would not have been payable to such Participant had such termination been by the Employer for Cause. 

(g) “Closing Date” shall mean the date on which the Closing occurs. 

  
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 (h) “Closing Price” shall mean a good faith reasonable
estimate by the Administrator of the closing sales price on the New York Stock Exchange of an ordinary share of Purchaser on the last preceding date on which sales were reported prior to the Closing Date. 

(i) “Code” shall mean the Internal Revenue Code of 1986, as amended, and the rules and regulations promulgated
thereunder. 
 (j) “Common Stock” shall mean a share of New Pubco Class A Common Stock, par value
$0.0001 per share. 
 (k) “Company Group” shall mean the Company and each of its affiliates, subsidiaries or
successors. Following the Closing, the Company Group shall include New Pubco and each of its subsidiaries, affiliates, or successors. 

(l) “Continuing Unitholders” shall mean the Original Unitholders, other than the Blocker and the Blocker GP,
excluding for the avoidance of doubt, Purchaser, New Pubco or any of their respective affiliates as of immediately following the Pre-Closing Reorganization (as defined in the Transaction Agreement). 

(m) “Disability” shall have the meaning set forth in the Omnibus Incentive Plan. 

(n) “Distribution Date” shall mean, in respect of any Distribution, the date of such Distribution. 

(o) “Distributions” shall mean (i) any cash distributions (other than tax distributions unless otherwise
determined by the Administrator in its sole discretion) in respect of the Units, and (ii) any amounts paid in cash directly to Members in respect of a Transfer of Units whether pursuant to the Transaction Agreement or otherwise, in each case,
on or prior to the Closing Date; provided, however, that any amounts paid in cash directly to a Member by an affiliated Person in respect of a Transfer of Units to such affiliated Person shall not fall within the definition of
“Distributions”. The term “Distribute” shall have correlative meaning. 
 (p) “Earnout
Date” shall mean the First Earnout Achievement Date or the Second Earnout Achievement Date, each as defined in the Transaction Agreement. 

(q) “Eligible Amount” shall mean, with respect to each Phantom Unit outstanding at the time of an Eligible
Distribution, an amount equal to the product of (i) such Eligible Distribution, (ii) 10% and (iii) a fraction, the numerator of which is one and the denominator of which is 1,250. 

(r) “Eligible Distribution” shall mean a Distribution, or portion thereof, when Aggregate Distributions
(including such Distribution), or portion thereof, are in excess of the Hurdle during the period commencing on the Original Effective Date and ending on, but including, the Closing Date. 

  
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 (s) “Employer” shall mean, with respect to any Participant,
the applicable member of the Company Group that the Participant is principally employed by or to which Participant is providing services constituting employment. 

(t) “Exempted Employer” shall mean each entity that was a Subsidiary of the Company on January 1, 2016.

 (u) “Good Leaver Termination” shall mean the termination of a Participant’s employment with the
Employer by the Employer without Cause, by the Participant for Good Reason, or as a result of the Participant’s death or Disability. 

(v) “Good Reason” shall mean, when used in connection with the termination of a Participant’s employment,
unless otherwise defined in another written agreement with any member of the Company Group in effect at such time, without such Participant’s consent, (i) a material diminution in such Participant’s duties and responsibilities other
than a change in such Participant’s duties and responsibilities that results from becoming part of a larger organization following an addition of business lines, a material asset purchase or change in control, (ii) a failure by the
Employer to pay such Participant his or her base salary in effect at the time within 30 days of the date such payment was due, or (iii) a relocation of such Participant’s primary work location more than 50 miles from the Participant’s
work location on the date hereof; provided, that, within 30 days following the occurrence of any of the events set forth herein, such Participant will have delivered written notice to the Employer of his or her intention to terminate his or
her employment for Good Reason, which notice specifies in reasonable detail the circumstances claimed to give rise to such Participant’s right to terminate employment for Good Reason, and the Employer shall not have cured such circumstances
within 30 days following the Company’s receipt of such notice. Notwithstanding the foregoing, in the event that the Employer reasonably believes that a Participant may have engaged in conduct that could constitute Cause, the Employer may, in
its sole and absolute discretion, suspend such Participant from performing his or her duties to the Company for up to 60 days, and in no event shall any such suspension constitute an event pursuant to which such Participant may terminate employment
with Good Reason; provided, that no such suspension shall alter the Company Group’s obligations to such Participant during such period of suspension. 

(w) “Gross Asset Value” shall mean the fair market value of such asset at the time it was accepted by the
Company, unreduced by any liability secured by such asset, as reasonably determined by the Administrator or its designee. 

(x) “Hurdle” shall mean an amount equal to the sum of (i) $250,000,000, (ii) any Capital
Contributions made after the Original Effective Date, but prior to the Closing Date, and (iii) an amount equal to a 15% return on the Capital Contributions described in clause (ii), compounded annually. 

(y) “Member” shall mean, as of any date of determination, the holder of any Units. 

  
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 (z) “Omnibus Incentive Plan” shall mean the Finance of
America Companies Inc. 2021 Omnibus Incentive Plan, to be adopted and assumed by New Pubco effective as of the Purchaser Merger Effective Time (as defined in the Transaction Agreement), as the same may be amended and/or restated from time to time.

 (aa) “Original Effective Date” shall mean January 1, 2015. 

(bb) “Original Unitholders” shall mean the holders of the Company Units (as defined in the Transaction
Agreement) as of immediately following the Pre-Closing Reorganization. 
 (cc)
“Participant” shall mean, as of any date, an employee of a member of the Company Group who is eligible to participate in this Plan and to whom Phantom Units have been granted pursuant to this Plan and are outstanding on such date,
and, where applicable, shall include the Participant’s estate. A list of Participants shall be kept in the books and records of the Company and there shall be no requirement that such list be shared with any Participant or any other person (or
group) except as may be required by applicable law. 
 (dd) “Phantom Unit” shall mean each phantom unit
granted pursuant to this Plan. 
 (ee) “Plan” shall mean this Amended and Restated UFG Holdings LLC
Management Long-Term Incentive Plan, as the same may be amended and/or restated from time to time. 
 (ff) “Plan
Maximum Replacement RSUs” shall mean the quotient of (i) the Retained Value, divided by (ii) the Closing Price. 

(gg) “Replacement RSUs” shall mean the Restricted Stock Units (as defined in the Omnibus Incentive Plan)
issued pursuant to Section 7 hereof. 
 (hh) “Restrictive Covenants” shall mean the restrictive
covenants set forth in any confidentiality, non-solicitation, non-competition or similar agreements entered into by the Participant and any member of the Company Group.

 (ii) “Retained Value” shall mean 10% of the sum of (i) the fair market value of all Company Units
held by the Continuing Unitholders immediately following the Closing plus (ii) the product of (x) the number of shares of Common Stock held indirectly by Blocker and Blocker GP immediately following the Closing and (y) the
Closing Price plus (iii) the present value of the estimated payments to be made by New Pubco pursuant to the Tax Receivable Agreements (as defined in the Transaction Agreement) plus (iv) the aggregate principal value of notes
issued by the Company or any of its Subsidiaries (if any) that are distributed to Original Unitholders prior to Closing. Any determinations as to the calculations of the Retained Value shall be made by the Administrator in its sole discretion. 

(jj) “Retained Value per Phantom Unit” shall mean the quotient of (i) the Retained Value, divided
by (ii) 1,250. 

  
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 (kk) “Subsidiary” when used with respect to any party,
shall mean any corporation, limited liability company, partnership, association, trust or other entity of which securities or other ownership interests representing more than fifty percent of the equity and more than 50% of the ordinary voting power
(or, in the case of a partnership, more than 50% of the general partnership interests) are, as of such date, owned, directly or indirectly, by such party and/or by one or more Subsidiaries of such party. 

(ll) “Transfer” shall mean, with respect to any Units, a direct or indirect, transfer, sale, exchange,
assignment, pledge, hypothecation or other encumbrance or other disposition of such Units, including the grant of an option or other right, whether directly or indirectly, whether voluntarily, involuntarily or by operation of law. 

(mm) “Units” shall mean the membership interests of the Company. 

 

	3.	 Administration of the Plan. 

3.1 The Administrator shall administer the Plan. 

3.2 The Administrator shall have the sole, final and absolute right to reconcile any inconsistency in this Plan, to interpret and construe the
provisions of this Plan in all particulars in such manner and to such extent as it deems proper and to take all action and make all decisions and determinations necessary under this Plan or in connection with its administration, interpretation and
application, including, without limitation, with respect to the acceleration or modification of any vesting conditions with respect to any payments or benefits upon a qualifying retirement of any Participant, as determined by the Administrator in
its sole discretion. Any interpretation or construction placed upon any term or provision of this Plan or in connection with its administration, interpretation and application by the Administrator, any decision of the Administrator with regard to
the eligibility of any person to become a Participant, the rights of a Participant, former Participant or any other person, any reconciliation of an inconsistency in this Plan made by the Administrator and any other action, determination or decision
whatsoever taken by the Administrator, shall be final, conclusive and binding upon all persons or parties interested or concerned in this Plan. Such decisions, determinations, selections and other actions of the Administrator and all decisions,
determinations, selections and other actions permitted or required to be taken or made by the Administrator with respect to the Plan shall be subject to the absolute discretion of the Administrator. The Administrator shall not be liable to any
Participant or any other person for any action, omission or determination relating to this Plan. To the full extent permitted by law, the Company Group shall indemnify and hold harmless each person made or threatened to be made a party to any civil
or criminal action or proceeding by reason of the fact that such person, or such person’s testator or intestate, is or was the Administrator. 
  

	4.	 Phantom Units Subject to the Plan. 

The Administrator may grant up to 1,250 Phantom Units; provided, that no Phantom Units may be granted on or following the Signing Date.

  
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	5.	 Phantom Units and Replacement RSUs. 

5.1 A Participant’s entitlement to any benefit or right with respect to a Phantom Unit, including, without limitation, with respect to any
Replacement RSUs (or the associated Earnout Rights) to be granted pursuant to Section 7 hereof, shall be finally and conclusively evidenced by the information set forth in this Plan and the Award Agreement; provided, that, in no event
shall a Participant have any right or entitlement with respect to Phantom Units that have been forfeited as provided herein. 
 5.2 Except as
expressly provided herein, no Participant shall be entitled to any payment or other distribution with respect to a Phantom Unit, including without limitation, to any payment of, or determined by reference to, actual Distributions or any events
following the Closing Date that would be Distributions had they occurred on or prior to the Closing Date. 
 5.3 It shall be a condition to
each Participant’s receipt of any Eligible Amount, any shares of Common Stock or cash, and the grant of any Replacement RSUs, as applicable, that such Participant agrees in writing that the payment of the Eligible Amount, the issuance of such
Common Stock, payment of cash and/or the grant of Replacement RSUs, as applicable, pursuant to this Plan shall be in full satisfaction of any rights or payments owed to the Participant under this Plan or the Original Plan and that each member of the
Company Group and New Pubco shall be released from any further liability other than its satisfaction of the obligations set forth herein. 
  

	6.	 Cash Payments. 

6.1 Subject to Section 5.3, if, on or prior to the Closing Date, any Member receives an Eligible Distribution, each Participant holding
Phantom Units that is actively employed by a member of the Company Group shall be eligible to receive from the Employer for each such Phantom Unit an amount equal to the Eligible Amount, which shall be paid by the Employer to the Participant
promptly following the applicable Distribution Date. 
 6.2 Amounts payable pursuant to this Section 6 shall be paid in cash, Common
Stock, other equity securities or property or any combination thereof in the sole discretion of the Administrator. The value of any equity securities or property delivered hereunder shall be determined by the Administrator in good faith. 

 

	7.	 Replacement RSUs. 

7.1 Subject to Section 5.3, on or promptly following the date on which shares of Common Stock reserved for issuance pursuant to the
Omnibus Incentive Plan are registered on an effective Form S-8 with the Securities and Exchange Commission, New Pubco shall grant to each Participant that (i) held Phantom Units as of the Closing Date and
(ii) remains employed with the Company Group as of the RSU Grant Date, in consideration for the cancellation of the Participant’s Phantom Units, a number of Replacement RSUs equal to the product of (x) the number of Phantom Units held
by such Participant as of the Closing Date and (y) the quotient of (A) the Retained Value per Phantom Unit divided by (B) the Closing Price (the date of grant of such Replacement RSUs, the “RSU Grant Date”),
rounded to the nearest whole Replacement RSU (with 0.5 rounding up). The Award Agreement shall have the following terms: 

  
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 (a) 25% of the Replacement RSUs will be vested on the RSU Grant Date (the
“Grant Date RSUs”); 
 (b) The remaining 75% of the Replacement RSUs will vest in equal installments on each
of the first three anniversaries of the Closing Date, subject to the Participant’s continued employment with a member of the Company Group through the applicable vesting date; 

(c) The Grant Date RSUs shall be settled on or promptly following the
181st date following the Closing Date; 
 (d) All other Replacement RSUs
will settle promptly following the applicable vesting date (and in any event within two and one-half months following the applicable vesting date); 

(e) To the extent such settlement is scheduled to occur at a time when trading by employees of the Company Group in shares of
Common Stock is restricted by New Pubco’s insider trading or similar policy (or a New Pubco imposed “blackout period”) (a “Closed Window”), New Pubco will settle such Replacement RSUs promptly following the end of the
Closed Window to the extent such delay in settlement will not cause adverse tax consequences under Section 409A of the Code; and 

(f) Notwithstanding the foregoing, if any fraction of a Replacement RSUs vests, then the actual number of Replacement RSUs to
vest will be rounded down to the nearest whole number and any such fraction shall be carried forward and be eligible to vest on the next vesting date. 

7.2 Notwithstanding the foregoing to the contrary, in the event that a Participant experiences a termination of employment other than a
termination (i) by the Employer for Cause or (ii) by the Participant when grounds for Cause exist, in each case prior, prior to the RSU Grant Date, subject to Section 5.3, New Pubco shall issue, or shall cause to be issued, to such
Participant a number of shares of Common Stock equal to (x) if such termination is a Good Leaver Termination, the number of shares of Common Stock underlying the Replacement RSUs that such Participant would have received had they remained
employed with the Employer as of the RSU Grant Date (taking into account the principles of Section 7.3) or (y) if such termination is not a Good Leaver Termination, the number of shares of Common Stock underlying the Grant Date RSUs that
such Participant would have received had they remained employed with the Employer as of the RSU Grant Date; provided, that in the sole discretion of the Administrator, the obligations to issue shares of Common Stock in this Section 7.2
may be fully or partially satisfied by New Pubco causing the Employer to make such Participant a cash payment equal to the fair market value of all or some portion of the Common Stock as of the date of the Participant’s termination of
employment; provided, that no such cash or shares of Common Stock shall be paid or issued, as applicable, to such Participant prior to the date that is the 181st date following the Closing
Date. 

  
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 7.3 In the event that a Participant experiences a Good Leaver Termination and such
Participant holds any unvested Replacement RSUs as of the date of such Good Leaver Termination, such Replacement RSUs shall become vested as of such date. Such Replacement RSUs will be settled promptly following the date of such Good Leaver
Termination, but in no event earlier than the 181st date following the Closing Date. Notwithstanding anything herein, the Administrator may, in its sole discretion, accelerate the vesting of any
Replacement RSUs without the consent of a Participant. 
 7.4 Upon the occurrence of an Earnout Date, as applicable, each Participant shall
receive the right to receive a number of additional shares of Common Stock equal to the product of (i) 900,000 and (ii) a fraction, the numerator of which is the number of Replacement RSUs granted to such Participant and the denominator of
which is the Plan Maximum Replacement RSUs (such right to receive shares of Common Stock, the “Earnout Rights”). The Earnout Rights shall be subject to the same vesting conditions as the Replacement RSUs to which they relate and
shall settle at the same time as such Replacement RSUs; provided that to the extent that a Replacement RSU has settled prior to the occurrence of the applicable Earnout Date, any Earnout Rights in respect of such Replacement RSUs shall be
vested as of the occurrence of the applicable Earnout Date and shall be settled promptly following such Earnout Date (or if such Earnout Date occurs during a Closed Window, promptly following the end of such Closed Window). Notwithstanding the
foregoing, (x) to the extent that any Replacement RSUs are forfeited on or prior to the occurrence of an Earnout Date, for purposes of calculating such Participant’s Earnout Rights with respect to such Earnout Date, the amount in the
numerator of the fraction in clause (ii) of the first sentence of this Section 7.4 shall be reduced by the number of Replacement RSUs forfeited by such Participant on or prior to the applicable Earnout Date and (y) to the extent that
the applicable Earnout Date occurs prior to the RSU Grant Date, such Participant’s Earnout Rights in respect of such Earnout Date shall be issued on the RSU Grant Date and shall be reduced to the extent that any Replacement RSUs to be issued to
such Participant are not otherwise issued pursuant to Section 7.2. 
 7.5 The Replacement RSUs (and the associated Earnout Rights) shall
be issued pursuant to the Omnibus Incentive Plan and shall be considered a “Substitute Award” for purposes thereof. The grant of the Replacement RSUs will be evidenced by an Award Agreement. Notwithstanding anything to the contrary, in the
sole discretion of the Administrator, the obligations to issue shares of Common Stock pursuant to this Section 7 or pursuant to the Award Agreement may be fully or partially satisfied by New Pubco or the Company causing the Employer to make to
such Participant a cash payment equal to the fair market value of all or some portion of the Common Stock otherwise required to be issued. 
  

	8.	 Rights and Obligation Upon a Termination of Employment. 

8.1 Except as set forth in Section 7.3, any outstanding Phantom Units and unvested Replacement RSUs (and the corresponding Earnout Rights)
shall be forfeited immediately upon a Participant’s termination of employment for any reason. The Participant shall be entitled to retain any amounts previously paid or shares of Common Stock issued or transferred to such Participant in respect
of his or her Phantom Units or Replacement RSUs (including subsequent Earnout Rights which are due to such Participant in respect of Replacement RSUs which are not forfeited in accordance with Section 7.4), as applicable, prior to any
termination of employment, provided, that, if the Company Group terminates the Participant’s employment for Cause or such Participant has violated any of the Restrictive Covenants, any unrealized Earnout Rights held by such
Participant shall be forfeited, and the Participant, or the Participant’s estate, as applicable, shall be required to repay to the Employer any amounts previously paid in respect of any Phantom Units or gain realized on Replacement RSUs or
Common Stock issued pursuant to this Plan, as applicable, held by such Participant (as reduced by any taxes paid in connection with the distributions that are not recovered by deduction, credit or otherwise), without further adjustment for earnings,
losses or similar items. 

  
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 8.2 In the event that an Exempted Employer ceases to be a member of the Company Group by
reason of sale, divestiture, spin-off, or other similar transaction (other than a sale of all or substantially all of the assets of the Company), then continued employment or service by a Participant employed
by such Exempt Employer with the purchaser (or any of the purchaser’s affiliates) of such Exempted Employer following the sale of such Exempted Employer (whether by means of a stock or asset sale or a merger or similar transaction) will be
treated as continued employment with the Company Group for purposes of this Plan. 
 8.3 In the event that the Employer of any Participant
(other than an Exempted Employer) ceases to be a member of the Company Group by reason of sale, divestiture, spin-off, or other similar transaction (other than a sale of all or substantially all of the assets
of the Company Group), (i) each Participant that is employed by or provides services to such Employer shall be deemed to have suffered a termination of employment hereunder (and such termination shall not be a Good Leaver Termination) as of the
date of the consummation of such transaction, unless otherwise determined by the Administrator or such Participant’s employment or service is transferred to another entity that would constitute a member of the Company Group immediately
following such transaction, and (ii) the Administrator may, in its sole and absolute discretion, determine that continued employment or service by a Participant with the purchaser (or any of the purchaser’s affiliates) of any Subsidiary or
division of the Company following the sale of such Subsidiary or division (whether by means of a stock or asset sale or a merger or similar transaction) will be treated as continued employment with the Company Group for purposes of this Plan. 

 

	9.	 Termination and Amendment 

9.1 The Administrator shall have full power and authority to amend, modify or alter this Plan, including Exhibit A attached hereto, in
whole or in part at any time and from time to time; provided, that, without written approval of a Participant, no such amendments, modifications or alterations to Section 4 hereof shall have an adverse effect upon the amount paid or
payable or the number of Replacement RSUs (or the associated Earnout Rights) to be issued to such Participant pursuant to Sections 6 and 7 hereof, as applicable. No such modification, alteration or amendment shall terminate or diminish any rights or
benefits accrued by a Participant under this Plan as of the effective date of any such modification, alteration or amendment. 
 9.2
Notwithstanding any other provision of this Plan, the Administrator shall have full power and authority to suspend or terminate this Plan in whole or in part; provided, however, that any such suspension or termination shall not impair
or adversely affect a Participant’s rights under the Plan or the Replacement RSUs without such Participant’s written consent. 

  
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 9.3 Notwithstanding any other provision of this Plan, the Administrator shall have full
power and authority to make any adjustments it deems necessary to the extent that the Aggregate Distributions received from the Original Effective Date through the Closing Date do not exceed the Hurdle; provided, that no such adjustment shall
be effective without the written consent of the Original Unitholders who held a majority of the Company Units as of immediately following the Pre-Closing Reorganization; provided, further, that
any such majority of the Original Unitholders must include each of BTO Urban Holdings L.L.C. and Libman Family Holdings LLC. Each Original Unitholder shall be an express third-party beneficiary for purposes of this Section 9.3. 

10. Miscellaneous. 
 10.1 All payments
required to be paid hereunder shall be subject to any required Federal, state, local and other applicable withholdings or deductions. Notwithstanding anything herein to the contrary, neither the Company Group nor the Administrator are, or shall be
deemed to be, making any representations as to the actual tax treatment of any Phantom Units or Replacement RSUs (and the associated Earnout Rights) granted or any payments made pursuant to this Plan and each Participant is advised by the Company
Group to seek tax advice from such Participant’s own tax advisors regarding this Plan and the Replacement RSUs (and the associated Earnout Rights) and Phantom Units granted hereunder and any payments that may be made to such Participant
pursuant to this Plan. In no event shall the Administrator or any member of the Company Group be liable for any tax or penalties that may be imposed on a Participant on account of his or her participation in this Plan. 

10.2 Each Participant’s rights hereunder are personal and no Participant may assign or transfer any part of his or her rights or duties
hereunder, or any benefits due to him or her, to any other person, except that, in the event of the Participant’s death, any benefits payable to such Participant shall be paid instead to his or her estate. 

10.3 The payment obligations pursuant to Section 6 are intended to be an unfunded and unsecured obligation of the Company Group and prior
to the settlement of any Replacement RSUs, the Replacement RSUs (and associated Earnout Rights) will represent an unsecured obligation of New Pubco and the Employer. All payments pursuant to Section 6 or rights to Common Stock or cash, as
applicable, in respect of the Replacement RSU pursuant to Section 7 shall be made from the general assets of the Company Group or New Pubco, respectively, and to the extent that any person acquires the right to receive payment from the Employer
or payment of cash or issuance of Common Stock under the Plan, such right, except to the extent required by law, shall be no greater than the rights of any unsecured general creditor of the Employer or New Pubco, as applicable. 

10.4 Section headings included herein are for ease of reference only and shall not affect the interpretation of the Plan. 

10.5 Notwithstanding any provision of the Plan to the contrary, the Company Group shall have the right to retain or to use any amounts payable
under the Plan to satisfy or otherwise offset amounts a Participant, or the Participant’s estate, as applicable, owes to any member of the Company Group. 

10.6 If the Administrator determines that any person to whom a payment is due hereunder is a minor or incompetent by reason of physical or
mental disability, the Administrator shall have the power to cause the payments then due to such person to be made to another for the benefit of the minor or incompetent, without the responsibility of any member of the Company Group or the
Administrator to see the application of such payment, unless claim prior to such payment is made therefore by a duly appointed legal representative. Payments made pursuant to such power shall operate as a complete discharge of the Company Group and
Administrator. 

  
 - 11 - 

 10.7 The Plan shall be governed by, and it shall be construed and administered according to,
the laws of the State of New York, without reference to principles of conflicts of law. 
 10.8 Nothing contained in the Plan shall confer
upon any Participant any right with respect to the continuation of his or her employment by the Employer or any other member of the Company Group or interfere in any way with the right of the Employer at any time to terminate such employment. A
Participant is intended to be an employee of the Employer. Nothing herein shall be interpreted or construed to treat a Participant as a Member or partner of the Company. 

10.9 No person shall have any claim or right to receive a grant of Phantom Units hereunder. 

10.10 The invalidity or unenforceability of any provisions of this Plan in any jurisdiction shall not affect the validity, legality or
enforceability of the remainder of this Plan in such jurisdiction or the validity, legality or enforceability of any provision of this Plan in any other jurisdiction, it being intended that all rights and obligations of the parties hereunder shall
be enforceable to the fullest extent permitted by law. 
 10.11 This Plan supersedes all prior negotiations, discussions, correspondence,
communications, understandings, and agreements relating to the subject matter of this Plan, including, subject to Section 10.13, the Original Plan. 

10.12 This Plan is intended to be exempt from the provisions of Section 409A of the Code. Notwithstanding anything herein to the contrary,
the Administrator shall have the power and authority to amend, supplement or eliminate any provision hereof to the extent that it determines, in its sole discretion, that such action would be necessary or appropriate in order to effectuate the
intention stated in the first sentence of this Section 10.12 or to otherwise cause the Plan to comply with Section 409A of the Code. 

10.13 Notwithstanding anything to the contrary, this Amended and Restated Plan shall be conditioned upon the occurrence of the Closing and to
the extent that the Transaction Agreement is terminated in accordance with its terms, this Plan shall be void ab initio and the Original Plan shall be deemed to have continued in accordance with its terms from the Signing Date through the
date of such termination of the Transaction Agreement. 

  
 - 12 - 

 Exhibit A 

RESTRICTED STOCK UNIT GRANT NOTICE 

UNDER THE 
 FINANCE OF
AMERICA COMPANIES INC. 
 2021 OMNIBUS INCENTIVE PLAN 

(Replacement Restricted Stock Units) 

Finance of America Companies Inc., a Delaware corporation (the “Company”), pursuant to its 2021 Omnibus Incentive Plan, as it
may be amended and restated from time to time (the “Plan”), hereby grants to the Participant set forth below, the number of Restricted Stock Units set forth below. The grant of Restricted Stock Units hereto (taken together with the
payment of any Eligible Amounts (as defined in the Amended and Restated UFG Holdings LLC Management Long-Term Incentive Plan (the “LTIP”) pursuant to the terms and conditions of the LTIP) shall be in full satisfaction of any rights
and obligations owed to the Participant under the LTIP and the UFG Holdings LLC Management Long-Term Incentive Plan (the “Prior LTIP”) and by executing this Grant Notice, the Participant acknowledges and agrees that each member of
the Company Group has satisfied its obligations pursuant to the LTIP and the Prior LTIP and the Participant hereby releases each member of the Company Group from any obligations owed to the Participant under the Prior LTIP and the Participant’s
Grant Agreement(s) (as defined in the Prior LTIP). The Restricted Stock Units are subject to all of the terms and conditions as set forth herein, in the Restricted Stock Unit Agreement (attached hereto or previously provided to the Participant in
connection with a prior grant), and in the Plan, all of which are incorporated herein in their entirety. Capitalized terms not otherwise defined herein shall have the meaning set forth in the Plan. 

 

			
	Participant:	  	[•]
		
	Date of Grant:	  	[•]
		
	Vesting Reference Date	  	April 1, 2021
		
	Number of Restricted Stock Units:	  	[•]
		
	Vesting Schedule:	  	Provided the Participant has not undergone a Termination prior to the time of each applicable vesting date, 25% of the Restricted Stock Units will vest on each of the Vesting Reference Date and each of the first three anniversaries
of the Vesting Reference Date; provided that upon a Good Leaver Termination (as defined in the LTIP), any then-unvested Restricted Stock Units shall vest as of the date of such Good Leaver Termination. Notwithstanding the foregoing, if any
fraction of a Restricted Stock Unit vests, then the actual number of Restricted Stock Units to vest will be rounded down to the nearest whole number and any such fraction shall be carried forward and be eligible to vest on the next vesting
date.

 *     *     * 

 THE UNDERSIGNED PARTICIPANT ACKNOWLEDGES RECEIPT OF THIS RESTRICTED STOCK UNIT GRANT NOTICE, THE
RESTRICTED STOCK UNIT AGREEMENT, THE LTIP AND THE PLAN, AND, AS AN EXPRESS CONDITION TO THE GRANT OF RESTRICTED STOCK UNITS HEREUNDER, AGREES TO BE BOUND BY THE TERMS OF THIS RESTRICTED STOCK UNIT GRANT NOTICE, THE RESTRICTED STOCK UNIT AGREEMENT,
THE LTIP AND THE PLAN. THE RESTRICTED STOCK UNITS SHALL BE FORFEITED FOR NO CONSIDERATION AS OF THE THIRTIETH (30TH) DAY FOLLOWING THE DATE OF GRANT IN THE EVENT THE UNDERSIGNED PARTICIPANT DOES
NOT EXECUTE AND RETURN A COPY OF THIS RESTRICTED STOCK UNIT GRANT NOTICE TO THE COMPANY WITHIN THIRTY (30) DAYS FOLLOWING THE DATE OF GRANT. 
  

									
	FINANCE OF AMERICA COMPANIES INC.	 		 	PARTICIPANT1
			
	  
	 		 	  

	By:	 	[•]	 		 	[•]
	Title:	 	[•]	 		 	

  
  

	1	 To the extent that the Company has established, either
itself or through a third-party plan administrator, the ability to accept this award electronically, such acceptance shall constitute the Participant’s signature hereto. 

  
 [Signature Page to
Restricted Stock Unit Grant Notice] 

 RESTRICTED STOCK UNIT AGREEMENT 

UNDER THE 
 FINANCE OF
AMERICA COMPANIES INC. 
 2021 OMNIBUS INCENTIVE PLAN 

Pursuant to the Restricted Stock Unit Grant Notice (the “Grant Notice”) delivered to the Participant (as defined in the Grant
Notice), and subject to the terms of this Restricted Stock Unit Agreement (this “Restricted Stock Unit Agreement”) and the Finance of America Companies Inc. 2021 Omnibus Incentive Plan, as it may be amended and restated from time to
time (the “Plan”), Finance of America Companies Inc., a Delaware corporation, (the “Company”) and the Participant agree as follows. Capitalized terms not otherwise defined herein shall have the same meaning as set
forth in the Plan. 
 1. Grant of Restricted Stock Units. Subject to the terms and conditions set forth herein and in the Plan,
the Company hereby grants to the Participant the number of Restricted Stock Units provided in the Grant Notice (with each Restricted Stock Unit representing an unfunded, unsecured right to receive one share of Common Stock). The Company may make one
or more additional grants of Restricted Stock Units to the Participant under this Restricted Stock Unit Agreement by providing the Participant with a new grant notice, which may also include any terms and conditions differing from this Restricted
Stock Unit Agreement to the extent provided therein. The Company reserves all rights with respect to the granting of additional Restricted Stock Units hereunder and makes no implied promise to grant additional Restricted Stock Units. 

2. Vesting. Subject to the conditions contained herein and in the Plan, the Restricted Stock Units shall vest as provided in the
Grant Notice. 
 3. Settlement of Restricted Stock Units. The provisions of Section 9(d)(ii) of the Plan are incorporated
herein by reference and made a part hereof and, in accordance therewith, any vested Restricted Stock Units shall be settled in shares of Common Stock as soon as reasonably practicable (and, in any event, within two and
one-half months, except with respect to the Restricted Stock Units that vest on the Vesting Reference Date (as defined in the Grant Notice) which shall be settled promptly on or following the 181st date following the Vesting Reference Date) following the expiration of the applicable Restricted Period; provided, however, that the Committee may, in its sole discretion, elect to
(A) pay cash or part cash and part shares of Common Stock in lieu of issuing only shares of Common Stock in respect of such Restricted Stock Units or (B) defer the issuance of shares of Common Stock (or cash or part cash and part shares of
Common Stock, as the case may be) beyond the expiration of the Restricted Period if such extension would not cause adverse tax consequences under Section 409A of the Code. Notwithstanding the foregoing, to the extent that any Restricted Stock
Units vest (or would otherwise be settled) during a time when trading in shares of Common Stock by employees of the Company Group is restricted by the Company’s insider trading or similar policy (or a Company imposed “blackout
period”) (a “Closed Window”), such Restricted Stock Units will be settled promptly following the end of the Closed Window to the extent such delay in settlement will not cause adverse tax consequences under Section 409A of
the Code. With respect to any Restricted Stock Unit, the period of time on and prior to the applicable vesting date in which such Restricted Stock Unit is subject to vesting shall be its Restricted Period. Notwithstanding anything in this Restricted
Stock Unit Agreement to the contrary, the Company shall have no obligation to issue or transfer any shares of Common Stock as contemplated by this Restricted Stock Unit Agreement unless and until such issuance or transfer complies with all relevant
provisions of law and the requirements of any stock exchange on which the Company’s shares of Common Stock are listed for trading. Prior to settlement of any vested Restricted Stock Units, the Restricted Stock Units will represent an unsecured
obligation of the Company, payable (if at all) only from the general assets of the Company. 

  
 A-1 

 4. Treatment of Restricted Stock Units Upon Termination. Subject to the Grant
Notice, the provisions of Section 9(c)(ii) of the Plan are incorporated herein by reference and made a part hereof. 
 5. Company;
Participant. 
 a. The term “Company” as used in this Restricted Stock Unit Agreement with reference to employment
shall include the applicable Service Recipient. 
 b. Whenever the word “Participant” is used in any provision of this
Restricted Stock Unit Agreement under circumstances where the provision should logically be construed to apply to the executors, the administrators, or the person or persons to whom the Restricted Stock Units may be transferred in accordance with
Section 13(b) of the Plan, the word “Participant” shall be deemed to include such person or persons. 
 6. Non-Transferability. The Restricted Stock Units are not transferable by the Participant (unless such transfer is specifically required pursuant to a domestic relations order or by applicable law). Except as
otherwise provided herein, no assignment or transfer of the Restricted Stock Units, or of the rights represented thereby, whether voluntary or involuntary, by operation of law or otherwise, shall vest in the assignee or transferee any interest or
right herein whatsoever, but immediately upon such assignment or transfer the Restricted Stock Units shall terminate and become of no further effect. 

7. Rights as Stockholder; Dividend Equivalents. The Participant shall have no rights as a stockholder with respect to any share
of Common Stock underlying a Restricted Stock Unit (including no rights with respect to voting) unless and until the Participant shall have become the holder of record or the beneficial owner of such Common Stock, and no adjustment shall be made for
dividends or distributions or other rights in respect of such share of Common Stock for which the record date is prior to the date upon which the Participant shall become the holder of record or the beneficial owner thereof. 

8. Legend. To the extent applicable, all book entries (or certificates, if any) representing the shares of Common Stock delivered
to Participant as contemplated by Section 3 above shall be subject to the rules, regulations, and other requirements of the Securities and Exchange Commission, any stock exchange upon which such shares of Common Stock are listed, and any
applicable Federal or state laws, and the Company may cause notations to be made next to the book entries (or a legend or legends put on certificates, if any) to make appropriate reference to such restrictions. Any such book entry notations (or
legends on certificates, if any) shall include a description to the effect of any restrictions. 
 9. Tax Withholding. The
provisions of Section 13(d) of the Plan are incorporated herein by reference and made a part hereof. 
 10. Notice. Every
notice or other communication relating to this Restricted Stock Unit Agreement between the Company and the Participant shall be in writing, which may include by electronic mail and shall be mailed to or delivered to the party for whom it is intended
at such address as may from time to time be designated by such party in a notice mailed or delivered to the other party as herein provided; provided that, unless and until some other address be so designated, all notices or communications by
the Participant to the Company shall be mailed or delivered to the Company at its principal executive office, to the attention of the Company’s General Counsel or its designee, and all notices or communications by the Company to the Participant
may be given to the Participant personally or may be mailed to the Participant at the Participant’s last known address, as reflected in the Company’s records. Notwithstanding the above, all notices and communications between the
Participant and any third-party plan administrator shall be mailed, delivered, transmitted or sent in accordance with the procedures established by such third-party plan administrator and communicated to the Participant from time to time. 

  
 A-2 

 11. No Right to Continued Service. This Restricted Stock Unit Agreement does
not confer upon the Participant any right to continue as an employee or service provider to the Service Recipient or any other member of the Company Group. 

12. Binding Effect. This Restricted Stock Unit Agreement shall be binding upon the heirs, executors, administrators and
successors of the parties hereto. 
 13. Waiver and Amendments. Except as otherwise set forth in Section 12 of the Plan,
any waiver, alteration, amendment or modification of any of the terms of this Restricted Stock Unit Agreement shall be valid only if made in writing and signed by the parties hereto; provided, however, that any such waiver, alteration,
amendment or modification is consented to on the Company’s behalf by the Committee. No waiver by either of the parties hereto of their rights hereunder shall be deemed to constitute a waiver with respect to any subsequent occurrences or
transactions hereunder unless such waiver specifically states that it is to be construed as a continuing waiver. 
 14.
Clawback/Repayment. This Restricted Stock Unit Agreement shall be subject to reduction, cancellation, forfeiture or recoupment to the extent necessary to comply with (i) any clawback, forfeiture or other similar policy adopted by
the Board or the Committee and as in effect from time to time; and (ii) applicable law. In addition, if the Participant receives any amount in excess of what the Participant should have received under the terms of this Restricted Stock Unit
Agreement for any reason (including, without limitation, by reason of a financial restatement, mistake in calculations or other administrative error), then the Participant shall be required to repay any such excess amount to the Company. 

15. Detrimental Activity. Notwithstanding anything to the contrary contained herein or in the Plan, if the Participant has
engaged in or engages in any Detrimental Activity, as determined by the Committee, then the Committee may, in its sole discretion, take actions permitted under the Plan, including, but not limited to: (i) cancelling any and all Restricted Stock
Units, or (ii) requiring that the Participant forfeit any gain realized on the vesting of the Restricted Stock Units, and repay such gain to the Company. 

16. Right to Offset. The provisions of Section 13(x) of the Plan are incorporated herein by reference and made a part
hereof. 
 17. Governing Law. This Restricted Stock Unit Agreement shall be construed and interpreted in accordance with the
internal laws of the State of Delaware, without regard to the principles of conflicts of law thereof. Notwithstanding anything contained in this Restricted Stock Unit Agreement, the Grant Notice or the Plan to the contrary, if any suit or claim is
instituted by the Participant or the Company relating to this Restricted Stock Unit Agreement, the Grant Notice or the Plan, the Participant hereby submits to the exclusive jurisdiction of and venue in the courts of Delaware. THE PARTICIPANT
IRREVOCABLY WAIVES ALL RIGHT TO A TRIAL BY JURY IN ANY SUIT, ACTION OR OTHER PROCEEDING INSTITUTED BY OR AGAINST SUCH PARTICIPANT IN RESPECT OF THE PARTICIPANT’S RIGHTS OR OBLIGATIONS HEREUNDER. 

18. Plan. The terms and provisions of the Plan are incorporated herein by reference. In the event of a conflict or inconsistency
between the terms and provisions of the Plan and the provisions of this Restricted Stock Unit Agreement (including the Grant Notice), the Plan shall govern and control. 

  
 A-3 

 19. Section 409A. It is intended that the
Restricted Stock Units granted hereunder shall be exempt from Section 409A of the Code pursuant to the “short-term deferral” rule applicable to such section, as set forth in the regulations or other guidance published by the Internal
Revenue Service thereunder. Without limiting the foregoing, the Committee will have the right to amend the terms and conditions of this Restricted Stock Unit Agreement and/or the Grant Notice in any respect as may be necessary or appropriate to
comply with Section 409A of the Code, including without limitation by delaying the issuance of the shares of Common Stock contemplated hereunder. Notwithstanding any other provision of this Restricted Stock Unit Agreement to the contrary,
(i) the Company and its respective officers, directors, employees, or agents make no guarantee that the terms of this Restricted Stock Unit Agreement as written comply with the provisions of Section 409A of the Code, and none of the
foregoing shall have any liability for the failure of the terms of this Restricted Stock Unit Agreement as written to comply with the provisions of Section 409A of the code and (ii) if the Participant is a “specified employee”
within the meaning of Section 409A(a)(2)(B)(i) of the Code, no payments in respect of any Awards that are “deferred compensation” subject to Section 409A of the Code and which would otherwise be payable upon the
Participant’s “separation from service” (as defined in Section 409A of the Code) shall be made to such Participant prior to the date that is six (6) months after the date of such Participant’s “separation from
service” or, if earlier, the date of the Participant’s death. Following any applicable six (6) month delay, all such delayed payments will be paid in a single lump sum on the earliest date permitted under Section 409A of the Code
that is also a business day. Each payment in a series of payments hereunder will be deemed to be a separate payment for purposes of Section 409A of the Code. 

20. Imposition of Other Requirements. The Company reserves the right to impose other requirements on the Participant’s
participation in the Plan, on the Restricted Stock Units and on any shares of Common Stock acquired under the Plan, to the extent the Company determines it is necessary or advisable for legal or administrative reasons, and to require the Participant
to sign any additional agreements or undertakings that may be necessary to accomplish the foregoing. 
 21. Electronic Delivery and
Acceptance. The Company may, in its sole discretion, decide to deliver any documents related to current or future participation in the Plan by electronic means. The Participant hereby consents to receive such documents by electronic delivery
and agrees to participate in the Plan through an on-line or electronic system established and maintained by the Company or a third party designated by the Company. 

22. Entire Agreement. This Restricted Stock Unit Agreement, the Grant Notice, the LTIP (as defined in the Grant Notice) and the
Plan constitute the entire agreement of the parties hereto in respect of the subject matter contained herein and supersede all prior agreements and understandings of the parties, oral and written, with respect to such subject matter. 

  
 A-4EX-10.9

 Exhibit 10.9 

INDEMNIFICATION AGREEMENT 
 This
Indemnification Agreement is effective as of April 1, 2021 (this “Agreement”) and is between Finance of America Companies Inc., a Delaware corporation (the “Company”), and the undersigned
director/officer of the Company (the “Indemnitee”). 
 Background 

The Company believes that, in order to attract and retain highly competent persons to serve as directors or in other capacities, including as officers, it must
provide such persons with adequate protection through indemnification against the risks of claims and actions against them arising out of their services to and activities on behalf of the Company. 

The Company desires and has requested Indemnitee to serve as a director and/or officer of the Company and, in order to induce the Indemnitee to serve in such
capacity, the Company is willing to grant the Indemnitee the indemnification provided for herein. Indemnitee is willing to so serve on the basis that such indemnification be provided. 

The parties by this Agreement desire to set forth their agreement regarding indemnification and the advancement of expenses. 

In consideration of Indemnitee’s service to the Company, the covenants and agreements set forth below and for other good and valuable consideration, the
receipt and adequacy of which are hereby acknowledged, the parties hereto, intending to be legally bound, hereby agree as follows: 

Section 1. Indemnification. 

To the fullest extent permitted by the General Corporation Law of the State of Delaware (the “DGCL”): 

(a) The Company shall indemnify Indemnitee if Indemnitee was or is made or is threatened to be made a party to, or is otherwise involved in, as a witness or
otherwise, any threatened, pending or completed action, suit or proceeding (brought in the right of the Company or otherwise), whether civil, criminal, administrative or investigative and whether formal or informal, including appeals, by reason of
the fact that Indemnitee is or was or has agreed to serve as a director or officer, or while serving as a director or officer of the Company, is or was serving or has agreed to serve at the request of the Company as a director, officer, employee or
agent (which, for purposes hereof, shall include a trustee, fiduciary, partner or manager or similar capacity) of another corporation, limited liability company, partnership, joint venture, trust, employee benefit plan or other enterprise, or by
reason of any action alleged to have been taken or omitted in any such capacity. 
 (b) The indemnification provided by this
Section 1 shall be from and against all loss and liability suffered and expenses (including attorneys’ fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by or on behalf of
Indemnitee in connection with such action, suit or proceeding, including any appeals. 
 Section 2. Advance Payment of
Expenses. To the fullest extent permitted by the DGCL, expenses (including attorneys’ fees) incurred by Indemnitee in appearing at, participating in or defending any action, suit or proceeding or in connection with an enforcement
action as contemplated by Section 3(e), shall be paid by the Company in advance of the final disposition of such action, suit or proceeding within 30 days after receipt by the Company of a statement or statements from
Indemnitee requesting such advance or advances from time to time. The Indemnitee hereby undertakes to repay any amounts advanced (without interest) to the extent that it is ultimately determined that Indemnitee is not entitled under this Agreement
to be indemnified by the Company in respect thereof. No other form of undertaking shall be required of Indemnitee other than the execution of this Agreement. This Section 2 shall be subject to
Section 3(b) and shall not apply to any claim made by Indemnitee for which indemnity is excluded pursuant to Section 7 and Section 8. 

 

 Section 3. Procedure for Indemnification; Notification and Defense of
Claim. 
 (a) Promptly after receipt by Indemnitee of notice of the commencement of any action, suit or proceeding, Indemnitee shall, if a claim in
respect thereof is to be made against the Company hereunder, notify the Company in writing of the commencement thereof. The failure to promptly notify the Company of the commencement of the action, suit or proceeding, or of Indemnitee’s request
for indemnification, will not relieve the Company from any liability that it may have to Indemnitee hereunder, except to the extent the Company is actually and materially prejudiced in its defense of such action, suit or proceeding as a result of
such failure. To obtain indemnification under this Agreement, Indemnitee shall submit to the Company a written request therefor including such documentation and information as is reasonably available to Indemnitee and is reasonably necessary to
enable the Company to determine whether and to what extent Indemnitee is entitled to indemnification. 
 (b) With respect to any action, suit or proceeding
of which the Company is so notified as provided in this Agreement, the Company shall, subject to the last two sentences of this paragraph, be entitled to assume the defense of such action, suit or proceeding, with counsel reasonably acceptable to
Indemnitee, upon the delivery to Indemnitee of written notice of its election to do so. After delivery of such notice, approval of such counsel by Indemnitee and the retention of such counsel by the Company, the Company will not be liable to
Indemnitee under this Agreement for any subsequently-incurred fees of separate counsel engaged by Indemnitee with respect to the same action, suit or proceeding unless the employment of separate counsel by Indemnitee has been previously authorized
in writing by the Company. Notwithstanding the foregoing, if Indemnitee, based on the advice of his or her counsel, shall have reasonably concluded (with written notice being given to the Company setting forth the basis for such conclusion) that, in
the conduct of any such defense, there is or is reasonably likely to be a conflict of interest or position between the Company and Indemnitee with respect to a significant issue, then the Company will not be entitled, without the written consent of
Indemnitee, to assume such defense. In addition, the Company will not be entitled, without the written consent of Indemnitee, to assume the defense of any claim brought by or in the right of the Company. 

(c) To the fullest extent permitted by the DGCL, the Company’s assumption of the defense of an action, suit or proceeding in accordance with paragraph
(b) above will constitute an irrevocable acknowledgement by the Company that any loss and liability suffered by Indemnitee and expenses (including attorneys’ fees), judgments, fines and amounts paid in settlement by or for the
account of Indemnitee incurred in connection therewith are indemnifiable by the Company under Section 1 of this Agreement. 
 (d)
The determination whether to grant Indemnitee’s indemnification request shall be made promptly and in any event within 30 days following the Company’s receipt of a request for indemnification in accordance with
Section 3(a). If the Company determines that Indemnitee is entitled to such indemnification or, as contemplated by paragraph (c) above, the Company has acknowledged such entitlement, the Company will make
payment to Indemnitee of the indemnifiable amount within such 30 day period. If the Company is not deemed to have so acknowledged such entitlement or the Company’s determination of whether to grant Indemnitee’s indemnification request
shall not have been made within such 30 day period, the requisite determination of entitlement to indemnification shall, subject to Section 7, nonetheless be deemed to have been made and Indemnitee shall be entitled to such
indemnification, absent (i) a misstatement by Indemnitee of a material fact, or an omission of a material fact necessary to make Indemnitee’s statement not materially misleading, in connection with the request for indemnification, or
(ii) a prohibition of such indemnification under the DGCL. 
 (e) In the event that (i) the Company determines in accordance with this
Section 3 that Indemnitee is not entitled to indemnification under this Agreement, (ii) the Company denies a request for indemnification, in whole or in part, or fails to respond or make a determination of entitlement
to indemnification within 30 days following receipt of a request for indemnification as described above, (iii) payment of indemnification is not made within such 30 day period, (iv) advancement of expenses is not timely made in accordance
with Section 2, or (v) the Company or any other person takes or threatens to take any action to declare this Agreement void or unenforceable, or institutes any litigation or other action or proceeding designed to deny,
or to recover from, the Indemnitee the benefits provided or intended to be provided to Indemnitee hereunder, Indemnitee shall be entitled to an adjudication in any court of competent jurisdiction of his or her entitlement to such indemnification or
advancement of expenses. Indemnitee’s expenses (including attorneys’ fees) incurred in connection with successfully establishing Indemnitee’s right to indemnification or advancement of expenses, in whole or in part, in any such
proceeding or otherwise shall also be indemnified by the Company to the fullest extent permitted by the DGCL. 

  
 2 

 (f) Indemnitee shall be presumed to be entitled to indemnification and advancement of expenses under this
Agreement upon submission of a request therefor in accordance with Section 2 or Section 3 of this Agreement, as the case may be. The Company shall have the burden of proof in overcoming such
presumption, and such presumption shall be used as a basis for a determination of entitlement to indemnification and advancement of expenses unless the Company overcomes such presumption by clear and convincing evidence. 

Section 4. Change in Control. 

(a) The Company agrees that if there is a Change in Control of the Company, then with respect to all matters thereafter arising concerning the rights of
Indemnitee to indemnification and advancement of expenses under this Agreement, any other agreement or the Company’s certificate of incorporation or bylaws now or hereafter in effect, the Company shall seek legal advice only from independent
counsel selected by Indemnitee and approved by the Company (which approval shall not be unreasonably withheld). In addition, upon written request by Indemnitee for indemnification pursuant to Section 3(a), a determination, if required by the
DGCL, with respect to Indemnitee’s entitlement thereto shall be made by such independent counsel in a written opinion to the board of directors of the Company, a copy of which shall be delivered to Indemnitee. The Company agrees to pay the
reasonable fees of the independent counsel referred to above and to indemnify fully such counsel against any and all expenses (including attorney’s fees), claims, liabilities and damages arising out of or relating to this Agreement or its
engagement pursuant hereto. 
 (b) For purposes of this Section 4, the following definitions shall apply: 

(i) A “Change in Control” shall have the meaning ascribed thereto in the Finance of America Companies Inc. 2021 Omnibus Incentive Plan.

 (ii) The term “independent counsel” means a law firm, or a member of a law firm, that is experienced in matters of corporation law
and neither presently is, nor in the past five years has been, retained to represent: (A) the Company or Indemnitee in any matter material to either such party, or (B) any other party to the action, suit or proceeding giving rise to a
claim for indemnification hereunder. Notwithstanding the foregoing, the term “independent counsel” shall not include any person who, under the applicable standards of professional conduct then prevailing, would have a conflict of interest
in representing either the Company or Indemnitee in an action to determine Indemnitee’s rights under this Agreement. 

Section 5. Insurance and Subrogation. 

(a) The Company shall use its reasonable best efforts to purchase and maintain a policy or policies of insurance with reputable insurance companies with A.M.
Best ratings of “A-” or better (or, if A.M. Best does not rate the insurance company, an equivalent rating by an equivalent licensed insurance rating organization or agency), providing Indemnitee
with coverage for any liability asserted against, and incurred by, Indemnitee or on Indemnitee’s behalf by reason of the fact that Indemnitee is or was or has agreed to serve as a director or officer, or while serving as a director or officer
of the Company, is or was serving or has agreed to serve at the request of the Company as a director, officer, employee or agent (which, for purposes hereof, shall include a trustee, fiduciary, partner or manager or similar capacity) of another
corporation, limited liability company, partnership, joint venture, trust, employee benefit plan or other enterprise, or arising out of Indemnitee’s status as such, whether or not the Company would have the power to indemnify Indemnitee against
such liability under the provisions of this Agreement. Such insurance policies shall have coverage terms and policy limits at least as favorable to Indemnitee as the insurance coverage provided to any other director or officer of the Company. If the
Company has such insurance in effect at the time the Company receives from Indemnitee any notice of the commencement of an action, suit or proceeding, the Company shall give prompt notice of the commencement of such action, suit or proceeding to the
insurers in accordance with the procedures set forth in the policy. The Company shall thereafter take all necessary or desirable action to cause such insurers to pay, on behalf of Indemnitee, all amounts payable as a result of such proceeding in
accordance with the terms of such policy. 

  
 3 

 (b) Subject to Section 10(b), in the event of any payment by the Company under
this Agreement, the Company shall be subrogated to the extent of such payment to all of the rights of recovery of Indemnitee with respect to any insurance policy. Indemnitee shall execute all papers required and take all action necessary to secure
such rights, including execution of such documents as are necessary to enable the Company to bring suit to enforce such rights in accordance with the terms of such insurance policy. The Company shall pay or reimburse all expenses actually and
reasonably incurred by Indemnitee in connection with such subrogation. 
 (c) Subject to Section 10(b), the Company shall not be
liable under this Agreement to make any payment of amounts otherwise indemnifiable hereunder (including, but not limited to, judgments, fines and amounts paid in settlement, and excise taxes or penalties relating to the Employee Retirement Income
Security Act of 1974, as amended) if and to the extent that Indemnitee has otherwise actually received such payment under this Agreement or any insurance policy, contract, agreement or otherwise. 

Section 6. Certain Definitions. For purposes of this Agreement, the following definitions shall apply: 

(a) The term “action, suit or proceeding” shall be broadly construed and shall include, without limitation, the investigation,
preparation, prosecution, defense, settlement, arbitration and appeal of, and the giving of testimony in, any threatened, pending or completed claim, action, suit, arbitration, alternative dispute mechanism or proceeding, whether civil, criminal,
administrative or investigative. 
 (b) The term “by reason of the fact that Indemnitee is or was or has agreed to serve as a director or officer
of the Company, or while serving as a director or officer of the Company, is or was serving or has agreed to serve at the request of the Company as a director, officer, employee or agent (which, for purposes hereof, shall include a trustee, partner
or manager or similar capacity) of another corporation, limited liability company, partnership, joint venture, trust, employee benefit plan or other enterprise” shall be broadly construed and shall include, without limitation, any
actual or alleged act or omission to act. 
 (c) The term “expenses” shall be broadly construed and shall include, without
limitation, all direct and indirect costs of any type or nature whatsoever (including, without limitation, all attorneys’ fees and related disbursements, appeal bonds, other
out-of-pocket costs and reasonable compensation for time spent by Indemnitee for which Indemnitee is not otherwise compensated by the Company or any third party),
actually and reasonably incurred by Indemnitee in connection with either the investigation, defense or appeal of an action, suit or proceeding or establishing or enforcing a right to indemnification under this Agreement or otherwise incurred in
connection with a claim that is indemnifiable hereunder. 
 (d) The term “judgments, fines and amounts paid in settlement” shall be
broadly construed and shall include, without limitation, all direct and indirect payments of any type or nature whatsoever, as well as any penalties or excise taxes assessed on a person with respect to an employee benefit plan). 

Section 7. Limitation on Indemnification. 

Notwithstanding any other provision herein to the contrary, the Company shall not be obligated pursuant to this Agreement: 

(a) Claims Initiated by Indemnitee. Prior to a change of control, to indemnify or advance expenses to Indemnitee with respect to an action, suit or
proceeding (or part thereof), however denominated, initiated by Indemnitee, other than (i) an action, suit or proceeding brought to establish or enforce a right to indemnification or advancement of expenses under this Agreement (which shall be
governed by the provisions of Section 7(b) of this Agreement) and (ii) an action, suit or proceeding (or part thereof) that was authorized or consented to by the board of directors of the Company, it being understood
and agreed that such authorization or consent shall not be unreasonably withheld in connection with any compulsory counterclaim brought by Indemnitee in response to an action, suit or proceeding otherwise indemnifiable under this Agreement. 

  
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 (b) Action for Indemnification. To indemnify Indemnitee for any expenses incurred by Indemnitee with
respect to any action, suit or proceeding instituted by Indemnitee to enforce or interpret this Agreement, unless Indemnitee is successful in such action, suit or proceeding in establishing Indemnitee’s right, in whole or in part, to
indemnification or advancement of expenses hereunder (in which case such indemnification or advancement shall be to the fullest extent permitted by the DGCL), or unless and to the extent that the court in such action, suit or proceeding shall
determine that, despite Indemnitee’s failure to establish his or her right to indemnification, Indemnitee is entitled to indemnification for such expenses; provided, however, that nothing in this
Section 7(b) is intended to limit the Company’s obligations with respect to the advancement of expenses to Indemnitee in connection with any such action, suit or proceeding instituted by Indemnitee to enforce or
interpret this Agreement, as provided in Section 2 hereof. 
 (c) Actions Based on Federal Statutes Regarding Profit Recovery
and Return of Bonus Payments. To indemnify Indemnitee on account of (i) any suit in which judgment is rendered against Indemnitee for disgorgement of profits made from the purchase or sale by Indemnitee of securities of the Company pursuant
to the provisions of Section 16(b) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or (ii) any reimbursement of the Company by the Indemnitee of any bonus or other incentive-based or
equity-based compensation or of any profits realized by the Indemnitee from the sale of securities of the Company, as required in each case under the Exchange Act (including any such reimbursements that arise from an accounting restatement of the
Company pursuant to Section 304 of the Sarbanes-Oxley Act of 2002 (the “Sarbanes-Oxley Act”), or the payment to the Company of profits arising from the purchase and sale by Indemnitee of securities in violation of
Section 306 of the Sarbanes-Oxley Act). 
 (d) Fraud or Willful Misconduct. To indemnify Indemnitee on account of conduct by Indemnitee where
such conduct has been determined by a final (not interlocutory) judgment or other adjudication of a court or arbitration or administrative body of competent jurisdiction as to which there is no further right or option of appeal or the time within
which an appeal must be filed has expired without such filing to have been knowingly fraudulent or constitute willful misconduct. 
 (e) Prohibited by
Law. To indemnify Indemnitee in any circumstance where such indemnification has been determined by a final (not interlocutory) judgment or other adjudication of a court or arbitration or administrative body of competent jurisdiction as to which
there is no further right or option of appeal, or the time within which an appeal must be filed has expired without such filing having been made, to be prohibited by law. 

Section 8. Certain Settlement Provisions. The Company shall have no obligation to indemnify Indemnitee under this
Agreement for any amounts paid in settlement of any action, suit or proceeding without the Company’s prior written consent. The Company shall not settle any action, suit or proceeding in any manner that would impose any fine or other obligation
on Indemnitee without Indemnitee’s prior written consent. Neither the Company nor Indemnitee will unreasonably withhold his, her, its or their consent to any proposed settlement. 

Section 9. Savings Clause. If any provision or provisions (or portion thereof) of this Agreement shall be invalidated
on any ground by any court of competent jurisdiction, then the Company shall nevertheless indemnify Indemnitee if Indemnitee was or is made or is threatened to be made a party or is otherwise involved in any threatened, pending or completed action,
suit or proceeding (brought in the right of the Company or otherwise), whether civil, criminal, administrative or investigative and whether formal or informal, including appeals, by reason of the fact that Indemnitee is or was or has agreed to serve
as a director or officer of the Company, or while serving as a director or officer of the Company, is or was serving or has agreed to serve at the request of the Company as a director, officer, employee or agent (which, for purposes hereof, shall
include a trustee, partner or manager or similar capacity) of another corporation, limited liability company, partnership, joint venture, trust, employee benefit plan or other enterprise, or by reason of any action alleged to have been taken or
omitted in such capacity, from and against all loss and liability suffered and expenses (including attorneys’ fees), judgments, fines and amounts paid in settlement reasonably incurred by or on behalf of Indemnitee in connection with such
action, suit or proceeding, including any appeals, to the fullest extent permitted by any applicable portion of this Agreement that shall not have been invalidated. 

  
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 Section 10. Contribution/Jointly Indemnifiable Claims. 

(a) In order to provide for just and equitable contribution in circumstances in which the indemnification provided for herein is held by a court of competent
jurisdiction to be unavailable to Indemnitee in whole or in part, it is agreed that, in such event, the Company shall, to the fullest extent permitted by the DGCL, contribute to the payment of all of Indemnitee’s loss and liability suffered and
expenses (including attorneys’ fees), judgments, fines and amounts paid in settlement reasonably incurred by or on behalf of Indemnitee in connection with any action, suit or proceeding, including any appeals, in an amount that is just and
equitable in the circumstances; provided, that, without limiting the generality of the foregoing, such contribution shall not be required where such holding by the court is due to any limitation on indemnification set forth in
Section 5(c), 7 (other than clause (e)) or 8 hereof. 
 (b) Given that certain jointly indemnifiable claims
may arise due to the service of the Indemnitee as a director and/or officer of the Company at the request of the Indemnitee-related entities, the Company acknowledges and agrees that the Company shall be fully and primarily responsible for the
payment to the Indemnitee in respect of indemnification or advancement of expenses in connection with any such jointly indemnifiable claim, pursuant to and in accordance with the terms of this Agreement, irrespective of any right of recovery the
Indemnitee may have from the Indemnitee-related entities. Under no circumstance shall the Company be entitled to any right of subrogation against or contribution by the Indemnitee-related entities and no right of advancement, indemnification or
recovery the Indemnitee may have from the Indemnitee-related entities shall reduce or otherwise alter the rights of the Indemnitee or the obligations of the Company hereunder. In the event that any of the Indemnitee-related entities shall make any
payment to the Indemnitee in respect of indemnification or advancement of expenses with respect to any jointly indemnifiable claim, the Indemnitee-related entity making such payment shall be subrogated to the extent of such payment to all of the
rights of recovery of the Indemnitee against the Company, and Indemnitee shall execute all papers reasonably required and shall do all things that may be reasonably necessary to secure such rights, including the execution of such documents as may be
necessary to enable the Indemnitee-related entities effectively to bring suit to enforce such rights. The Company and Indemnitee agree that each of the Indemnitee-related entities shall be third-party beneficiaries with respect to this
Section 10(b), entitled to enforce this Section 10(b) as though each such Indemnitee-related entity were a party to this Agreement. For purposes of this Section 10(b), the
following terms shall have the following meanings: 
 (i) The term “Indemnitee-related entities” means any corporation, limited liability company,
partnership, joint venture, trust, employee benefit plan or other enterprise (other than the Company or any other corporation, limited liability company, partnership, joint venture, trust, employee benefit plan or other enterprise Indemnitee has
agreed, on behalf of the Company or at the Company’s request, to serve as a director, officer, employee or agent and which service is covered by the indemnity described in this Agreement) from whom an Indemnitee may be entitled to
indemnification or advancement of expenses with respect to which, in whole or in part, the Company may also have an indemnification or advancement obligation (other than as a result of obligations under an insurance policy). 

(ii) The term “jointly indemnifiable claims” shall be broadly construed and shall include, without limitation, any action, suit or proceeding for
which the Indemnitee shall be entitled to indemnification or advancement of expenses from both the Indemnitee-related entities and the Company pursuant to the DGCL, any agreement or the certificate of incorporation, bylaws, partnership agreement,
operating agreement, certificate of formation, certificate of limited partnership or comparable organizational documents of the Company or the Indemnitee-related entities, as applicable. 

Section 11. Form and Delivery of Communications. All notices, requests, demands and other communications under this
Agreement shall be in writing and shall be deemed to have been duly given if (a) delivered by hand, upon receipt by the party to whom said notice or other communication shall have been directed, (b) mailed by certified or registered mail
with postage prepaid, on the third business day after the date on which it is so mailed, (c) mailed by reputable overnight courier, one day after deposit with such courier and with written verification of receipt or (d) sent by email or
facsimile transmission, with receipt of oral or written confirmation that such transmission has been received. Notice to the Company shall be directed to Anthony Villani, Chief Legal Officer, by email at [email] or by telephone at [phone number].
Notice to Indemnitee shall be directed to Indemnitee’s contact information on file with the Company’s Secretary or its Human Resources Department. 

Section 12. Nonexclusivity. The provisions for indemnification and advancement of expenses set forth in this Agreement
shall not be deemed exclusive of any other rights which Indemnitee may have under any provision of law, in any court in which a proceeding is brought, other agreements or otherwise, and Indemnitee’s rights hereunder shall inure to the benefit
of the heirs, executors and administrators of Indemnitee. No amendment or alteration of the Company’s Certificate of Incorporation or Bylaws or any other agreement shall adversely affect the rights provided to Indemnitee under this Agreement.

  

  
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 Section 13. No Construction as Employment Agreement. Nothing
contained herein shall be construed as giving Indemnitee any right to be retained as a director of the Company or in the employ of the Company. For the avoidance of doubt, the indemnification and advancement of expenses provided under this Agreement
shall continue as to the Indemnitee even though he may have ceased to be a director or officer of the Company. 
 Section 14.
Interpretation of Agreement. It is understood that the parties hereto intend this Agreement to be interpreted and enforced so as to provide indemnification to Indemnitee to the fullest extent now or hereafter permitted by the DGCL.

 Section 15. Entire Agreement. This Agreement and the documents expressly referred to herein constitute the entire
agreement between the parties hereto with respect to the matters covered hereby, and any other prior or contemporaneous oral or written understandings or agreements with respect to the matters covered hereby are expressly superseded by this
Agreement. 
 Section 16. Modification and Waiver. No supplement, modification, waiver or amendment of this
Agreement shall be binding unless executed in writing by both of the parties hereto. No waiver of any of the provisions of this Agreement shall be deemed or shall constitute a waiver of any other provision hereof (whether or not similar) nor shall
such waiver constitute a continuing waiver. For the avoidance of doubt, this Agreement may not be terminated by the Company without Indemnitee’s prior written consent. 

Section 17. Successor and Assigns. All of the terms and provisions of this Agreement shall be binding upon, shall
inure to the benefit of and shall be enforceable by the parties hereto and their respective successors, assigns, heirs, executors, administrators and legal representatives. The Company shall require and cause any direct or indirect successor
(whether by purchase, merger, consolidation or otherwise) to all or substantially all of the business or assets of such the Company, by written agreement in form and substance reasonably satisfactory to Indemnitee, expressly to assume and agree to
perform this Agreement in the same manner and to the same extent that the Company would be required to perform if no such succession had taken place. 

Section 18. Service of Process and Venue. The Company and Indemnitee hereby irrevocably and unconditionally
(i) agree that any action or proceeding arising out of or in connection with this Agreement shall be brought only in the Chancery Court of the State of Delaware (the “Delaware Court”), and not in any other state or federal court in
the United States of America or any court in any other country, (ii) consent to submit to the exclusive jurisdiction of the Delaware Court for purposes of any action or proceeding arising out of or in connection with this Agreement,
(iii) appoint, to the extent such party is not otherwise subject to service of process in the State of Delaware, irrevocably Corporation Service Company, 251 Little Falls Drive, Wilmington, DE 19808 as its agent in the State of Delaware as such
party’s agent for acceptance of legal process in connection with any such action or proceeding against such party with the same legal force and validity as if served upon such party personally within the State of Delaware, (iv) waive any
objection to the laying of venue of any such action or proceeding in the Delaware Court, and (v) waive, and agree not to plead or to make, any claim that any such action or proceeding brought in the Delaware Court has been brought in an
improper or inconvenient forum. 
 Section 19. Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Delaware. If a court of competent jurisdiction shall make a final determination that the provisions of the law of any state other than Delaware govern indemnification by the Company of Indemnitee, then the
indemnification provided under this Agreement shall in all instances be enforceable to the fullest extent permitted under such law, notwithstanding any provision of this Agreement to the contrary. 

Section 20. Counterparts. This Agreement may be executed in two or more counterparts, each of which shall be deemed to
be an original and all of which together shall be deemed to be one and the same instrument, notwithstanding that both parties are not signatories to the original or same counterpart. 

  
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 Section 21. Headings. The section and subsection headings contained
in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. 
  

  
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 This Agreement has been duly executed and delivered to be effective as of the date first above written. 

 

			
	 Company:
  

Finance of America Companies Inc.
	  	Indemnitee:
		
	By:                                     
                                         
                       	  	  

	 Name:
 Title:
	  	[Name]

 [Finance of America – Signature Page to Indemnification Agreement]

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