Document:

Exhibit 10.1

 

EXECUTION VERSION

 

October 12, 2020

 

Replay Acquisition Corp.

767 Fifth Avenue, 46th Floor

New York, New York 10153

 

Finance of America Companies Inc.

767 Fifth Avenue, 46th Floor

New York, New York 10153

 

Finance of America Equity Capital LLC

909 Lake Carolyn Parkway, Suite 1550

Irving, Texas 75039

 

Re:          Sponsor
Agreement

 

Ladies and Gentlemen:

 

This letter (this “Sponsor Agreement”)
is being delivered to you in accordance with that certain Transaction Agreement, dated as of the date hereof, 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”), Finance of America Equity Capital LLC,
a Delaware limited liability company (the “Company”), and the other parties thereto (the “Transaction
Agreement”), and hereby amends and restates in its entirety that certain letter, dated April 3, 2019, from Replay
Sponsor, LLC, a Delaware limited liability company (the “Sponsor”), and each of the other undersigned persons
(each, an “Insider” and, together with the Sponsor, the “Sponsor Persons”) to Purchaser
(the “Prior Letter Agreement”). Certain capitalized terms used herein are defined in Paragraph 11. Capitalized
terms used but not defined herein shall have the respective meanings given to them in the Transaction Agreement.

 

The Sponsor Persons are currently, and
as of the Closing will be, the record owners of all of the outstanding Founder Shares and outstanding Private Placement Warrants,
with each such Sponsor Person’s ownership (and anticipated changes in ownership as a result of the Warrant Exchange) detailed
on Schedule A hereto. As described further in Paragraph 25, Schedule A will be updated from time to time to reflect
Sponsor Person ownership changes following the date hereof.

 

In order to induce Purchaser, New Pubco
and the Company to enter into the Transaction Agreement and for other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, each Sponsor Person hereby agrees, severally and not jointly, with Purchaser, New Pubco and
the Company as follows:

 

1.            Voting
Obligations. During the Interim Period, each Sponsor Person, in its capacity as a holder of Covered Shares, agrees irrevocably
and unconditionally that, at the Special Meeting, at any other meeting of the shareholders of Purchaser or, following the Purchaser
Merger, New Pubco (whether annual or special and whether or not an adjourned or postponed meeting, however called and including
any adjournment or postponement thereof), in connection with any written consent of shareholders of Purchaser or, following the
Purchaser Merger, New Pubco and in connection with any similar vote or consent of the holders of Private Placement Warrants in
their capacities as such, such Sponsor Person shall, and shall cause any other holder of record of any of such Sponsor Person’s
Covered Shares to:

 

     

     

    

 

(a)            when
such meeting is held, appear at such meeting or otherwise cause the Sponsor Person’s Covered Shares to be counted as present
thereat for the purpose of establishing a quorum;

 

(b)            vote
(or duly and promptly execute and deliver an action by written consent), or cause to be voted at such meeting (or cause such consent
to be duly and promptly executed and delivered with respect to), all of such Sponsor Person’s Covered Shares owned as of
the record date for determining holders entitled to vote at such meeting (or the record date for determining holders entitled
to provide consent) in favor of each Proposal and any other matters reasonably necessary for consummation of the Transactions
(including the Warrant Exchange, to the extent it is put to a vote or a request for written consent); and

 

(c)            vote
(or duly and promptly execute and deliver an action by written consent), or cause to be voted at such meeting (or cause such consent
to be duly and promptly executed and delivered with respect to), all of such Sponsor Person’s Covered Shares against any
Business Combination Proposal (as defined below) and any other action that would reasonably be expected to impede, interfere with
or materially delay or postpone the consummation of, or otherwise adversely affect, any of the Transactions or result in a material
breach of any representation, warranty, covenant or other obligation or agreement of any Purchaser-Side Party under the Transaction
Agreement or result in a material breach of any representation, warranty, covenant or other obligation or agreement of such Sponsor
Person under this Sponsor Agreement.

 

The obligations of the Sponsor Persons in this Paragraph 1
shall apply whether or not the board of directors of Purchaser (or, following the Purchaser Merger, New Pubco) or other governing
body or any committee, subcommittee or subgroup thereof recommends any of the Proposals and whether or not such board or other
governing body, committee, subcommittee or subgroup thereof changes, withdraws, withholds, qualifies or modifies, or publicly
proposes to change, withdraw, withhold, qualify or modify, the Purchaser Board Recommendation.

 

2.            Exclusivity.
During the Interim Period, each Sponsor Person shall not take, nor shall it permit any of its Affiliates or any of its or their
respective Representatives to take, whether directly or indirectly, any action to (i) solicit, initiate, continue or engage
in discussions or negotiations with, or enter into any agreement with, or encourage, respond to, provide information to or commence
due diligence with respect to, any Person (other than the Company, its equityholders or any of their controlled Affiliates or
Representatives), concerning, relating to or which is intended or could reasonably be likely to give rise to or result in, any
offer, inquiry, proposal or indication of interest, written or oral, relating to any Business Combination (a “Business
Combination Proposal”), or (ii) approve, endorse or recommend, or make any public statement approving, endorsing
or recommending, any Business Combination Proposal, in the case of each of clauses (i) and (ii), other than a Business Combination
Proposal with the Company, its equityholders or their respective controlled Affiliates. Each Sponsor Person shall, and shall cause
its Affiliates and its and their respective Representatives to, immediately cease any and all existing discussions or negotiations
with any Person conducted prior to the date hereof with respect to, or which are reasonably likely to give rise to or result in,
a Business Combination Proposal other than with the Company, its equityholders or their respective controlled Affiliates.

 

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3.            Waiver
of Certain Rights. Each Sponsor Person, on behalf of itself and its Affiliates, hereby irrevocably and unconditionally agrees:

 

(a)            not
to (i) demand that Purchaser redeem its Covered Shares in connection with the Transactions or (ii) otherwise participate
in any such redemption by tendering or submitting any of its Covered Shares for redemption;

 

(b)            not
to commence or participate in, and to take all actions necessary to opt out of any class in any class action with respect to,
any claim, derivative or otherwise, against Purchaser, New Pubco, the Company, any Affiliate or designee of a Sponsor Person acting
in its capacity as director, officer or manager or in any similar capacity or any of their respective successors and assigns relating
to the negotiation, execution or delivery of this Sponsor Agreement, the Transaction Agreement or the consummation of the Transactions;
and

 

(c)            (i) to
waive any rights for working capital loans made by or on its behalf to Purchaser or any of its Affiliates to be converted into
warrants exercisable for Purchaser Shares, New Pubco Shares or other securities of Purchaser, New Pubco or any of their Affiliates
or their successors and assigns and (ii) that no such loans shall be converted into such warrants or any such other securities.

 

4.            Reasonable
Best Efforts; Regulatory Undertakings.

 

(a)            During
the Interim Period, each Sponsor Person (i) shall, and shall cause its Affiliates to, use reasonable best efforts to take,
or cause to be taken, all actions to do, or cause to be done, all things reasonably necessary, proper or advisable to consummate
the Transactions on the terms and subject to the conditions set forth in the Transaction Agreement and (ii) shall not, and
shall cause its Affiliates not to, take any action that would reasonably be expected to prevent or materially delay the satisfaction
of any of the conditions to the Transactions set forth in Article IX of the Transaction Agreement.

 

(b)            Without
limiting the generality of subsection (a) above, each Sponsor Person shall provide, or cause to be provided, all agreements,
documents, instruments, affidavits, statements or information that may be required or requested by any Governmental Entity relating
to (i) such Sponsor Person and its Affiliates (including any of its, or its Affiliates’, directors, officers, employees,
partners, members or shareholders), (ii) all Persons who are deemed or may be deemed to “control” such Sponsor
Person and its Subsidiaries within the meaning of applicable Mortgage Laws and (iii) such Sponsor Person’s and its
Affiliates’ structure, ownership, businesses, operations, regulatory and legal compliance, assets, liabilities, financing,
financial condition or results of operations, or any of its or their directors, officers, employees, partners, members or shareholders.

 

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5.            Warrant
Exchange.

 

(a)            Immediately
prior to the Redomestication, each Sponsor Person that holds Private Placement Warrants as of the date hereof shall exchange the
Private Placement Warrants held by it for Purchaser Shares in the manner described in this Paragraph 5 (as to all Private Placement
Warrants that are so exchanged, the “Warrant Exchange”).

 

(b)            Purchaser
hereby represents and warrants that all of the Private Placement Warrants are held in book-entry form and that the transfer books
for the Private Placement Warrants are maintained by Continental Stock Transfer & Trust Company (the “Warrant
Agent”). During the Interim Period, Purchaser and New Pubco shall not, and shall cause the Warrant Agent not to, allow
the Transfer of any Private Placement Warrants or allow any of the Private Placement Warrants to be represented by a certificate
or other instrument. Further, no Sponsor Person shall request the Transfer of any Private Placement Warrant or request for any
of the Private Placement Warrants to be represented by a certificate or other instrument.

 

(c)            Immediately
prior to the Redomestication, Purchaser shall exchange all of the Private Placement Warrants for an aggregate of 775,000 validly
issued, fully paid and non-assessable Purchaser Shares, in each case, as allocated on Schedule A. Purchaser shall effect
the Warrant Exchange by issuing the applicable number of Purchaser Shares to each applicable Sponsor Person in accordance with
Schedule A. Following the Warrant Exchange, the Private Placement Warrants shall be void and of no further effect, and
no Private Placement Warrants shall be outstanding.

 

(d)            Purchaser
and each applicable Sponsor Person agrees to cooperate with each other and their respective officers, employees, attorneys, accountants
and other agents, and, generally, do such other reasonable acts and things in good faith as may be necessary to effectuate the
intents and purposes of the Warrant Exchange, subject to the terms and conditions hereof and compliance with applicable Law, including
taking reasonable action to facilitate the filing of any document or the taking of reasonable action to assist the other parties
hereto in complying with the terms hereof.

 

6.            Transfer
Restrictions.

 

(a)            Interim
Period. During the Interim Period, except as expressly contemplated by the Warrant Exchange, each Sponsor Person shall not,
and shall cause any other holder of record of any of such Sponsor Person’s Covered Shares not to, Transfer any of such Sponsor
Person’s Covered Shares.

 

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(b)            Post-Closing:
Covered Shares. During the one-year period immediately following the Closing Date (the “Lock-Up Period”),
each Sponsor Person shall not, and shall cause any other holder of record of any of such Sponsor Person’s Covered Shares
(other than Excluded Shares) not to, Transfer any of such Sponsor Person’s Covered Shares (other than Excluded Shares).
Notwithstanding the immediately preceding sentence, post-Closing Transfers of Covered Shares (other than Excluded Shares) that
are held by any Sponsor Person or any of its Permitted Transferees (as defined below) that have entered into a written agreement
contemplated by the proviso in this subsection (b) are permitted (i) to New Pubco’s officers or directors, any
Affiliates or family members of any of New Pubco’s officers or directors, any members of the Sponsor or any Affiliates of
the Sponsor; (ii) in the case of an individual, by gift to a member of the individual’s immediate family, or to a trust,
the beneficiary of which is a member of the individual’s immediate family or an Affiliate of such person, or to a charitable
organization; (iii) in the case of an individual, by virtue of laws of descent and distribution upon death of the individual;
(iv) in the case of an individual, pursuant to a qualified domestic relations order; (v) by virtue of the Laws of the
State of Delaware or the Sponsor’s limited liability company agreement, as amended from time to time, upon dissolution of
the Sponsor; or (vi) in the event of New Pubco’s completion of a liquidation, merger, amalgamation, share exchange,
reorganization or other similar transaction which results in the holders of all of the shares of New Pubco Class A Common
Stock and New Pubco Class B Common Stock having the right to exchange their shares for cash, securities or other property
subsequent to the completion of Purchaser’s initial Business Combination (including the entry into an agreement in connection
with such liquidation, merger, amalgamation, share exchange, reorganization or other similar transaction); provided, however,
that each transferee contemplated by clauses (i) through (v) (each, a “Permitted Transferee”) must
enter into a written agreement with New Pubco agreeing to be bound by the restrictions in this Sponsor Agreement.

 

(c)            Post-Closing:
Excluded Shares. During the 180-day period immediately following the Closing Date, each Sponsor Person shall not, and shall
cause any other holder of record of any of such Sponsor Person’s Excluded Shares (other than Excluded Shares purchased (i) pursuant
to a PIPE Agreement or (ii) on the open market after the date hereof) not to, Transfer any of such Sponsor Person’s
Excluded Shares (other than Excluded Shares purchased (i) pursuant to a PIPE Agreement or (ii) on the open market after
the date hereof). Notwithstanding the immediately preceding sentence, post-Closing Transfers of Excluded Shares (other than Excluded
Shares purchased (i) pursuant to a PIPE Agreement or (ii) on the open market after the date hereof) that are held by
any Sponsor Person or any of its Permitted Transferees that have entered into a written agreement contemplated by the proviso
in this subsection (c) are permitted to its Permitted Transferees; provided, however, that each Permitted Transferee
must enter into a written agreement with New Pubco agreeing to be bound by the restrictions in this Sponsor Agreement. For the
avoidance of doubt, the Excluded Shares purchased (1) pursuant to a PIPE Agreement or (2) on the open market after the
date hereof shall not be subject to the provisions of this Section 6(c).

 

(d)            Any
Transfer in violation of the provisions of this Paragraph 6 shall be null and void ab initio and of no force or effect.

 

7.            Vesting
Provisions Applicable to Founder Shares.

 

(a)            General.
Each Sponsor Person agrees that, as of immediately prior to the Purchaser Merger, all of the Founder Shares held by such Sponsor
Person shall be unvested and, from and after the Purchaser Merger, shall be subject to the vesting and forfeiture provisions set
forth in this Paragraph 7. For the avoidance of doubt, the Purchaser Shares received in the Warrant Exchange shall be vested immediately
upon the Warrant Exchange and shall not be subject to the provisions of this Section 7.

 

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(b)            Special
Transfer Restrictions for Unvested Founder Shares. Each Sponsor Person shall not, and shall cause any other holder of record
of any of such Sponsor Person’s unvested Founder Shares not to, Transfer any of such Sponsor Person’s unvested Founder
Shares prior to the time such unvested Founder Shares become vested pursuant to subsection (d) below, except to the extent
permitted by the second sentence of Paragraph 6(b). Each Sponsor Person understands that the Transfer restrictions in the immediately
preceding sentence are in addition to, and not in lieu of, those imposed under the first sentence of Paragraph 6(b).

 

(c)            Vesting
of Founder Shares Upon Purchaser Merger. 40% of the unvested Founder Shares Beneficially Owned by each Sponsor Person (or
Affiliate thereof) as of immediately prior to the Purchaser Merger shall vest upon the Purchaser Merger.

 

(d)            Performance
Vesting of Founder Shares.

 

(i)            If,
at any time during the six (6) years following the Closing, the VWAP of New Pubco Class A Common Stock is greater than
or equal to $12.50 for any twenty (20) Trading Days within a period of thirty (30) consecutive Trading Days (the date when the
foregoing is first satisfied, the “First Earnout Achievement Date”), 35% of the unvested Founder Shares Beneficially
Owned by each Sponsor Person (or Affiliate thereof) as of immediately prior to the Purchaser Merger shall vest. If the First Earnout
Achievement Date or a New Pubco Sale has not occurred after the Closing and prior to the date that is six (6) years following
the Closing Date, the Founder Shares that were eligible to vest pursuant to this clause (i) shall not vest and shall be forfeited
as provided in subsection (e) below.

 

(ii)            If,
at any time during the six (6) years following the Closing, the VWAP of New Pubco Class A Common Stock is greater than
or equal to $15.00 for any twenty (20) Trading Days within a period of thirty (30) consecutive Trading Days (the date when the
foregoing is first satisfied, the “Second Earnout Achievement Date”), 25% of the unvested Founder Shares Beneficially
Owned by each Sponsor Person (or Affiliate thereof) as of immediately prior to the Purchaser Merger shall vest. If the Second
Earnout Achievement Date or a New Pubco Sale has not occurred after the Closing and prior to the date that is six (6) years
following the Closing Date, the Founder Shares that were eligible to vest pursuant to this clause (ii) shall not vest and
shall be forfeited as provided in subsection (e) below.

 

(iii)            In
the event that there is an agreement with respect to a New Pubco Sale entered into after the Closing and prior to the date that
is six (6) years following the Closing Date:

 

		(A)	to the extent it has not already occurred, the First Earnout
                                         Achievement Date shall be deemed to occur on the day prior to the closing of such New
                                         Pubco Sale if the price paid per New Pubco Share in such New Pubco Sale is greater than
                                         or equal to $12.50, and the Founder Shares eligible for vesting pursuant to clause (i) above
                                         shall vest;

 

		(B)	to the extent it has not already occurred, the Second Earnout
                                         Achievement Date shall also be deemed to occur on the day prior to the closing of such
                                         New Pubco Sale if the price paid per New Pubco Share in such New Pubco Sale is greater
                                         than or equal to $15.00, and the Founder Shares eligible for vesting pursuant to clause
                                         (ii) above shall vest;

 

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		(C)	in the event (x) the price paid per New Pubco Share in
                                         such New Pubco Sale is greater than or equal to $10.00 (to the extent the Second Earnout
                                         Achievement Date has not occurred) but does not exceed $12.50 and (y) the consideration
                                         paid per New Pubco Share in such New Pubco Sale includes stock or other equity consideration,
                                         as a condition to the consummation of such New Pubco Sale, the acquiror in such New Pubco
                                         Sale shall agree that the unvested Founder Shares eligible for vesting pursuant to clause
                                         (i) above shall remain eligible for vesting following the closing of such New Pubco
                                         Sale, and the stock price thresholds set forth in clause (i) above shall be equitably
                                         adjusted for the conversion ratio and other terms and conditions of the transaction,
                                         as determined by the board of directors of New Pubco in good faith (but the Founder Shares
                                         eligible for vesting pursuant to clause (ii) above will no longer be eligible for
                                         vesting following such closing and will be forfeited pursuant to subsection (e) below);
                                         and

 

		(D)	in the event the price paid per New Pubco Share in such New
                                         Pubco Sale is (x) less than $10.00 or (y) less than $12.50 and payable solely
                                         in cash consideration, the unvested Founder Shares eligible for vesting pursuant to clauses
                                         (i) and (ii) above will no longer be eligible for vesting following the closing
                                         of such New Pubco Sale and will be forfeited pursuant to subsection (e) below);

 

provided, that (I) in each of the foregoing clauses
(A) through (D), to the extent the price paid per New Pubco Share includes contingent consideration or property other than
cash, the board of directors of New Pubco shall determine the price paid per New Pubco Share in such New Pubco Sale in good faith
(valuing any such consideration payable in publicly-traded securities of the acquiror, on a per-security basis, at the VWAP of
such security over the twenty (20) consecutive Trading Day period ending on (and including) the second Business Day prior to the
date of the entry into the binding definitive agreement providing for the consummation of such New Pubco Sale) and (II) any
determination by the board of directors of New Pubco with respect to any matters contemplated by, or related to, this Paragraph
7, including the price paid per New Pubco Share in any New Pubco Sale, the determination of whether any Founder Shares are eligible
for vesting under this Paragraph 7 or the form or requirement of any agreement by an acquirer under clause (C) above, shall
be made in good faith and shall be final and binding on the Sponsor Persons and each of their respective Affiliates.

 

(e)            Forfeiture
of Unvested Founder Shares. Unvested Founder Shares that are forfeited under this Paragraph 7 shall be transferred by the
forfeiting Sponsor Person (or Affiliate thereof) that Beneficially Owns such Founder Shares to New Pubco (x) on the day immediately
following the sixth anniversary of the Closing or (y) on the day immediately prior to the closing of any New Pubco Sale,
as applicable, in each case, without any consideration for such Transfer, and New Pubco shall be entitled to cancel such unvested
Founder Shares without any further action or consent of such forfeiting Sponsor Person (or Affiliate thereof).

 

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(f)            Proportional
Voting of Unvested Founder Shares.

 

(i)            Each
Sponsor Person hereby agrees that, with respect to all of the unvested Founder Shares Beneficially Owned by such Sponsor Person
(or Affiliate thereof), such Founder Shares shall be present at all meetings for purposes of a quorum and voted at all meetings
of the stockholders of New Pubco, or voted, consented or approved in any other circumstances, upon which such vote, consent or
other approval (including providing any written consent as of any specified date) is sought or obtained by or from the stockholders
of New Pubco, in the same manner (including by voting “for” or “against,” abstaining or withholding votes)
as, and in the same proportion to, the votes cast “for” or “against,” and abstentions or vote withholdings
made, in respect of all shares of New Pubco Class A Common Stock and New Pubco Class B Common Stock, taken together,
held by the holders thereof (other than the unvested Founder Shares held by the Sponsor Persons (of Affiliates thereof)).

 

(ii)            In
order to give effect to the proportional voting mechanics described in clause (i) above, solely to the extent of its unvested
Founder Shares, each Sponsor Person hereby irrevocably makes, constitutes and appoints each officer of New Pubco, with full power
of substitution and re-substitution, its true and lawful proxy and attorney-in-fact, for it and in its name, place and stead and
for its use and benefit, to act as its proxy and attorney-in-fact to attend any meeting of stockholders of New Pubco with respect
to any such unvested Founder Shares, vote any such unvested Founder Shares at any such meeting of stockholders of New Pubco, execute
and deliver any action by written consent in lieu of a meeting of stockholders of New Pubco with respect to such unvested Founder
Shares and take any other action with respect to such unvested Founder Shares in respect of any other approval of the stockholders
of New Pubco. The proxy and power of attorney granted pursuant to this clause (ii) is a special proxy coupled with an interest
and is irrevocable and shall remain in effect until the termination of this Sponsor Agreement in accordance with Paragraph 19.

 

(g)            No
Economic Rights of Unvested Founder Shares. Unvested Founder Shares shall not be entitled to, and each holder of any unvested
Founder Shares (in its capacity as such) hereby irrevocably waives any right to, receive any dividends or other distributions
(whether payable in the form of cash, stock or other assets), or to have any other economic rights (including, without limitation,
the right to receive any consideration payable upon conversion or exchange), for so long as such Unvested Founder Shares remain
unvested. No adjustments shall be made for dividends or distributions or other rights in respect of unvested Founder Shares for
which any record date occurs prior to the date upon which such Founder Shares become vested (i.e., unvested Founder Shares
will not be entitled to receive back dividends or other distributions or any other form of economic “catch-up” once
they become vested).

 

(h)            No
Application to Certain Sponsor Persons. Notwithstanding anything to the contrary contained in this Sponsor Agreement, this
Paragraph 7 shall not apply to any of the Founder Shares held by Daniel Marx, Mariano Bosch or Russell Colaco as of the Closing,
which such Founder Shares shall be 100% vested from and after the Closing; provided, that any such Founder Shares that
are Transferred to any other Sponsor Person (or any Permitted Transferee thereof) following the Closing shall be subject to this
Paragraph 7 (i.e., 40% of the Founder Shares so Transferred shall remain vested following such Transfer, but the remaining
60% of such Founder Shares shall revert to “unvested” status upon such Transfer and shall be subject to forfeiture
as described in this Paragraph 7).

 

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8.            Certain
Securities Law Representations and Warranties. Each Sponsor Person hereby represents and warrants as follows:

 

(a)            it
has never been suspended or expelled from membership in any securities or commodities exchange or association or had a securities
or commodities license or registration denied, suspended or revoked;

 

(b)            in
the case of Insiders only, its biographical information furnished to Purchaser, if any (including any such information included
in the Prospectus), is true and accurate in all respects and does not omit any material information with respect to such Insider’s
background;

 

(c)            its
questionnaire furnished to Purchaser, if any, is true and accurate in all respects;

 

(d)            it
is not subject to or a respondent in any legal action for any injunction, cease-and-desist order or order or stipulation to desist
or refrain from any act or practice relating to the offering of securities in any jurisdiction; and

 

(e)            it
has never been convicted of, or pleaded guilty to, any crime (i) involving fraud, (ii) relating to any financial transaction
or handling of funds of another Person or (iii) pertaining to any dealings in any securities, and it is not currently a defendant
in any such criminal proceeding.

 

9.            Certain
Payments. Except as disclosed in the Prospectus, no Sponsor Person, nor any Affiliate thereof, nor any director, officer or
manager of (or person acting in a similar capacity with respect to) Purchaser, shall receive from Purchaser any finder’s
fee, reimbursement, consulting fee, monies in respect of any repayment of a loan or other compensation prior to, or in connection
with any services rendered in order to effectuate the consummation of, Purchaser’s initial Business Combination (regardless
of the type of transaction that it is), other than the following, none of which will be made from the proceeds held in the Trust
Account prior to the completion of the initial Business Combination: (i) payment of customary fees for financial advisory
services; (ii) payment of annual director fees of $25,000 each to two of Purchaser’s independent directors; (iii) reimbursement
for any out-of-pocket expenses related to identifying, investigating and consummating an initial Business Combination; and (iv) repayment
of loans, if any, and on such terms as to be determined by Purchaser from time to time, made by the Sponsor, an Affiliate of the
Sponsor or any of Purchaser’s officers or directors to finance transaction costs in connection with an intended initial
Business Combination, provided, that, if Purchaser does not consummate an initial Business Combination, a portion of the working
capital held outside the Trust Account may be used by Purchaser to repay such loaned amounts so long as no proceeds from the Trust
Account are used for such repayment. During the Interim Period, each Sponsor Person agrees not to enter into, modify or amend
any Contract between or among any Sponsor Person or any Affiliate thereof, on the one hand, and New Pubco or any of its Subsidiaries,
on the other hand, that would contradict, limit, restrict or impair any Person’s ability to perform or satisfy any obligation
under this Sponsor Agreement or the Transaction Agreement.

 

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10.            Service
as Officer or Director. Each Sponsor Person has full right and power, without violating any agreement to which it is bound
(including, without limitation, any non-competition or non-solicitation agreement with any employer or former employer), to enter
into this Sponsor Agreement and, as applicable, to serve as an officer, director or manager of (or in a similar capacity with
respect to) Purchaser.

 

11.            Definitions.
As used herein, the following terms shall have the respective meanings set forth below:

 

(a)            “Beneficially
Own” has the meaning given to such term under Rule 13d-3 of the Exchange Act.

 

(b)            “Covered
Shares” means all Founder Shares, all Private Placement Warrants and all other Purchaser Shares (including Purchaser
Shares received in the Warrant Exchange), New Pubco Shares and other shares of capital stock or equity securities of Purchaser
(prior to the Purchaser Merger) or New Pubco (following the Purchaser Merger), or securities convertible into, exercisable or
exchangeable for the same, of which any Sponsor Person owns as of the date hereof or acquires record or beneficial ownership after
the date hereof, including by purchase, as a result of a stock dividend, stock split, recapitalization, combination, reclassification,
exchange or change of such shares, or upon exercise or conversion of any securities.

 

(c)            “Excluded
Shares” means any Purchaser Shares, New Pubco Shares or other shares of capital stock or equity securities of Purchaser
(prior to the Purchaser Merger) or New Pubco (following the Purchaser Merger), or securities convertible into, exercisable or
exchangeable for the same, of which any Sponsor Person acquired or acquires record or beneficial ownership in connection with
the Purchaser’s Public Offering, through a purchase on the open market, pursuant to a PIPE Agreement or through the Warrant
Exchange and including any additional shares acquired in respect of such shares whether as a result of a stock dividend, stock
split, recapitalization, combination, reclassification, exchange or change of such shares, or upon exercise or conversion of such
shares.

 

(d)            “Founder
Shares” means: (i) the 7,187,500 Purchaser Shares that were purchased in a private placement prior to the Public
Offering; and (ii) following the Purchaser Merger, the 7,187,500 New Pubco Shares into which the aggregate amount of Purchaser
Shares referred to in clause (i) are converted pursuant to the Purchaser Merger.

 

(e)            “Private
Placement Warrants” means the warrants to purchase up to 7,750,000 Purchaser Shares that were purchased in a private
placement concurrent with the Public Offering.

 

(f)            “Prospectus”
has the meaning given to it in the Prior Letter Agreement.

 

(g)            “Public
Offering” has the meaning given to it in the Prior Letter Agreement.

 

    10 

     

    

 

(h)            “Transfer”
means the (i) sale of, offer to sell, contract or agreement to sell, hypothecate, pledge, hedge, grant of any option to purchase
or otherwise dispose of in any manner (including by merger, consolidation, division, operation of law or otherwise) or agreement
to dispose of, directly or indirectly, or establishment or increase of a put equivalent position or liquidation with respect to
or decrease of a call equivalent position within the meaning of Section 16 of the Exchange Act and the rules and regulations
of the SEC promulgated thereunder with respect to, any security (including, for the avoidance of doubt, through a Transfer of
equity securities in a Person who owns such security), (ii) entry into any swap or other arrangement that transfers to another,
in whole or in part, any of the economic consequences of ownership of any security, whether any such transaction is to be settled
by delivery of such securities, in cash or otherwise, or (iii) public announcement of any intention to effect any transaction
specified in clause (i) or (ii).

 

12.            Entire
Agreement; Amendment; No Reliance. This Sponsor Agreement and the other agreements referenced herein constitute the entire
agreement and understanding of the parties hereto in respect of the subject matter hereof and supersede all prior understandings,
agreements, or representations by or among the parties hereto, written or oral, to the extent they relate in any way to the subject
matter hereof or the transactions contemplated hereby, including, without limitation, with respect to the Sponsor Persons, the
Prior Letter Agreement. This Sponsor Agreement may not be changed, amended, modified or waived (other than to correct a typographical
error) as to any particular provision, except by a written instrument executed by each Sponsor Person charged with such change,
amendment, modification or waiver and New Pubco, Purchaser and the Company. Each of Purchaser, New Pubco and the Sponsor Persons
hereby acknowledges and agrees, on behalf of itself, its Affiliates and its Representatives, that, in connection with its entry
into this Sponsor Agreement and (if applicable) the Transaction Agreement and agreement to consummate the Transactions, none of
the foregoing has relied on any representations or warranties of any Seller-Side Party or otherwise except for those expressly
set forth in the Transaction Agreement.

 

13.            Assignment.
No party hereto may, except as set forth herein, assign either this Sponsor Agreement or any of its rights, interests, or obligations
hereunder without the prior written consent of the other parties. Any purported assignment in violation of this Paragraph 13 shall
be void and ineffectual and shall not operate to transfer or assign any interest or title to the purported assignee. This Sponsor
Agreement shall be binding on the Sponsor Persons, Purchaser, New Pubco and the Company and their respective successors, heirs,
personal representatives, assigns and (in the case of the Sponsor Persons) Permitted Transferees.

 

14.            No
Third-Party Beneficiaries. Nothing in this Sponsor Agreement shall be construed to confer upon, or give to, any Person other
than the parties hereto any right, remedy or claim under or by reason of this Sponsor Agreement or of any covenant, condition,
stipulation, promise or agreement hereof. All covenants, conditions, stipulations, promises and agreements contained in this Sponsor
Agreement shall be for the sole and exclusive benefit of Purchaser, New Pubco, the Sponsor Persons and the Company, and their
respective successors, heirs, personal representatives and assigns and (in the case of the Sponsor Persons) Permitted Transferees.

 

15.            Counterparts.
This Sponsor Agreement may be executed in any number of original, electronic or facsimile counterparts and each of such counterparts
shall for all purposes be deemed to be an original, and all such counterparts shall together constitute but one and the same instrument.

 

    11 

     

    

 

16.            Severability.
This Sponsor Agreement shall be deemed severable, and the invalidity or unenforceability of any term or provision hereof shall
not affect the validity or enforceability of this Sponsor Agreement or of any other term or provision hereof. Furthermore, in
lieu of any such invalid or unenforceable term or provision, the parties hereto intend that there shall be added as a part of
this Sponsor Agreement a provision as similar in terms to such invalid or unenforceable provision as may be possible and be valid
and enforceable.

 

17.            Governing
Law; Venue; Waiver of Jury Trial. Sections 12.2 and 12.3 of the Transaction Agreement are incorporated herein by reference,
mutatis mutandis.

 

18.            Notices.
Any notice, consent or request to be given in connection with any of the terms or provisions of this Sponsor Agreement shall be
in writing and shall be sent or given in accordance with the terms of Section 12.4 of the Transaction Agreement to the applicable
party at its principal place of business.

 

19.            Termination.
This Sponsor Agreement shall terminate on the earliest of (i) the valid termination of the Transaction Agreement (in which
case this Sponsor Agreement shall be of no force or effect and shall revert to the Prior Letter Agreement), (ii) the consummation
of a New Pubco Sale and (iii) the later of (A) the earlier of (I) the occurrence (or deemed occurrence) of the
Second Earnout Achievement Date on or before the sixth anniversary of the Closing Date and (II) the sixth anniversary of
the Closing Date and (B) the expiration of the Lock-Up Period; provided, that no such termination (including one that
results in a reversion to the Prior Letter Agreement under clause (i)) shall relieve any party hereto from any liability resulting
from its pre-termination breach of this Sponsor Agreement.

 

    12 

     

    

 

20.            Other
Representations and Warranties. Each Sponsor Person hereby represents and warrants (severally and not jointly as to itself
only) to Purchaser, New Pubco and the Company as follows: (i) if such Person is not an individual, it is duly organized,
validly existing and in good standing under the laws of the jurisdiction in which it is incorporated, formed, organized or constituted,
and the execution, delivery and performance of this Sponsor Agreement and the consummation of the transactions contemplated hereby
are within such Person’s corporate, limited liability company or other organizational powers and have been duly authorized
by all necessary corporate, limited liability company or other organizational actions on the part of such Person; (ii) if
such Person is an individual, such Person has full legal capacity, right and authority to execute and deliver this Sponsor Agreement
and to perform its obligations hereunder; (iii) this Sponsor Agreement has been duly executed and delivered by such Person
and, assuming due authorization, execution and delivery by the other parties to this Sponsor Agreement, this Sponsor Agreement
constitutes a legally valid and binding obligation of such Person, enforceable against such Person in accordance with the terms
hereof (except as enforceability may be limited by bankruptcy Laws, other similar Laws affecting creditors’ rights and general
principles of equity affecting the availability of specific performance and other equitable remedies); (iv) the execution
and delivery of this Sponsor Agreement by such Person do not, and the performance by such Person of its obligations hereunder
will not, (A) if such Person is not an individual, conflict with or result in a violation of the organizational documents
of such Person, or (B) require any consent or approval that has not been given or other action that has not been taken by
any third party (including under any Contract binding upon such Person or such Person’s Covered Shares), in each case, to
the extent such consent, approval or other action would prevent, enjoin or materially delay the performance by such Person of
its obligations under this Sponsor Agreement; (v) there is no Action pending or, to the knowledge of such Person, threatened
against such Person before (or, in the case of a threatened Action, that would be before) any arbitrator or any Governmental Entity,
which in any manner challenges or seeks to prevent, enjoin or materially delay the performance by such Person of its obligations
under this Sponsor Agreement; (vi) except as disclosed pursuant to Section 7.10 of the Transaction Agreement, no financial
advisor, investment banker, broker, finder or other similar intermediary is entitled to any fee or commission from such Person,
Purchaser or New Pubco (or any of their respective Subsidiaries), or any Affiliates of any of the foregoing Persons in connection
with the Transaction Agreement or this Sponsor Agreement or any of the respective transactions contemplated thereby and hereby,
in each case, based upon any arrangement or agreement made by or, to the knowledge of such Person, on behalf of such Person, for
which Purchaser, New Pubco, the Company or any of their respective Affiliates would have any obligations or liabilities of any
kind or nature; (vii) such Person has had the opportunity to read the Transaction Agreement and this Sponsor Agreement and
has had the opportunity to consult with its tax and legal advisors; (viii) such Person has not entered into, and will not
enter into, any agreement that would restrict, limit or interfere with the performance of such Person’s obligations hereunder;
(ix) such Person has good and valid title to all Covered Shares held by it, and there exist no Liens or any other limitation
or restriction (including, without limitation, any restriction on the right to vote, sell or otherwise dispose of such securities
(other than transfer restrictions under the Securities Act) affecting any such securities, other than pursuant to (A) this
Sponsor Agreement, (B) the Memorandum and Articles of Association, (C) the Transaction Agreement or (D) any applicable
securities Laws; and (x) the Founder Shares and Private Placement Warrants listed on Schedule A are the only equity
securities in New Pubco or any of its Subsidiaries (including, without limitation, any equity securities convertible into, or
which can be exercised or exchanged for, equity securities of New Pubco or any of its Subsidiaries) owned of record or Beneficially
Owned by such Person as of the date hereof and as of the Closing Date and such Person has the sole power to dispose of (or sole
power to cause the disposition of) and the sole power to vote (or sole power to direct the voting of) such Founder Shares and
Private Placement Warrants and none of such Founder Shares or Private Placement Warrants is subject to any proxy, voting trust
or other agreement or arrangement with respect to the voting of such Founder Shares or Private Placement Warrants, except as provided
in this Sponsor Agreement.

 

21.            Equitable
Adjustments. If, and as often as, there are any changes in Purchaser, New Pubco, the Founder Shares or the Private Placement
Warrants by way of stock split, stock dividend, combination or reclassification, or through merger, consolidation, reorganization,
recapitalization or business combination, or by any other means, equitable adjustment shall be made to the provisions of this
Sponsor Agreement as may be required so that the rights, privileges, duties and obligations hereunder shall continue with respect
to Purchaser, New Pubco, the Founder Shares or the Private Placement Warrants, each as so changed. For the avoidance of doubt,
such equitable adjustment shall be made to the performance criteria set forth in Paragraph 7.

 

    13 

     

    

 

22.            Stop
Transfer Order; Legend. Each Sponsor Person hereby authorizes Purchaser and New Pubco to maintain a copy of this Sponsor Agreement
at either the executive office or the registered office of Purchaser. In furtherance of this Sponsor Agreement, each Sponsor Person
hereby authorizes and will instruct Purchaser and New Pubco, promptly after the date hereof, to enter, or cause its transfer agent
to enter, a stop transfer order with respect to all of such Sponsor Person’s Covered Shares with respect to any Transfer
not permitted hereunder and to include the following legend on any certificates or other instruments representing (or any notice
given pursuant to Section 151(f) of the General Corporation Law of the State of Delaware in respect of) such Sponsor’s
Covered Shares: “THE SHARES OF STOCK OR OTHER SECURITIES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO CERTAIN VOTING AND
TRANSFER RESTRICTIONS PURSUANT TO THAT CERTAIN SPONSOR AGREEMENT, DATED AS OF OCTOBER 12, 2020, BY AND AMONG REPLAY ACQUISITION
CORP., A CAYMAN ISLANDS EXEMPTED COMPANY, FINANCE OF AMERICA COMPANIES INC., A DELAWARE CORPORATION, FINANCE OF AMERICA EQUITY
CAPITAL LLC, A DELAWARE LIMITED LIABILITY COMPANY, REPLAY SPONSOR, LLC, A DELAWARE LIMITED LIABILITY COMPANY, AND CERTAIN OTHER
PERSONS PARTY THERETO. ANY TRANSFER OF SUCH SHARES OF STOCK OR OTHER SECURITIES IN VIOLATION OF THE TERMS AND PROVISIONS OF SUCH
SPONSOR AGREEMENT SHALL BE NULL AND VOID AB INITIO AND HAVE NO FORCE OR EFFECT WHATSOEVER.”

 

23.            Specific
Performance. Each Sponsor Person acknowledges and agrees that Purchaser, New Pubco and the Company shall be irreparably harmed
and that there shall be no adequate remedy at Law for any breach, or threatened breach, by any Sponsor Person of any of the covenants
or agreements contained in this Sponsor Agreement, and that any breach or threatened breach of this Sponsor Agreement by a Sponsor
Person would not be adequately compensated by monetary damages alone. It is accordingly agreed, notwithstanding anything to the
contrary set forth in this Sponsor Agreement, that each of Purchaser, New Pubco and the Company shall have the right to obtain
injunctive relief to restrain a breach or threatened breach of, or otherwise to obtain specific performance of, the Sponsor Persons’
covenants and agreements contained in this Sponsor Agreement. Each Sponsor Person hereby agrees (i) to waive the defense
in any such suit that Purchaser, New Pubco or the Company has an adequate remedy at law, (ii) not to raise any objections
to the availability of the equitable remedy of specific performance to prevent or restrain breaches or threatened breaches of
this Sponsor Agreement or to enforce compliance with the covenants and obligations of the Sponsor Persons under this Sponsor Agreement
and (iii) to waive any requirement to post any bond, in each case, in connection with obtaining such relief. All rights and
remedies of the parties under this Sponsor Agreement shall be cumulative, and the exercise of one or more rights or remedies shall
not preclude the exercise of any other right or remedy available under this Sponsor Agreement or applicable Law.

 

24.            Interpretation.
Sections 12.5 and 12.8 of the Transaction Agreement are incorporated herein by reference, mutatis mutandis. Wherever this
Sponsor Agreement uses “it”, “its” or derivations thereof to refer to natural person Sponsor Persons,
such references shall be deemed references to “her”, “him” or “his”, as applicable.

 

    14 

     

    

 

25.            Updates
to Schedule A; Admission of New Sponsor Persons. During the Interim Period, each Sponsor Person shall promptly notify Purchaser
of any increase, decrease or other change in the number of Founder Shares, Private Placement Warrants or other Covered Shares
held by or on behalf of such Sponsor Person (for the avoidance of doubt, each Sponsor Person acknowledges and agrees that Paragraph
6(a) prohibits all Transfers of its Covered Shares during the Interim Period, except as expressly contemplated by the Warrant
Exchange). From and after the Closing, each Sponsor Person shall promptly notify New Pubco of any increase, decrease or other
change in the number of Founder Shares or other Covered Shares held by or on behalf of such Sponsor Person, including as a result
of a Transfer in compliance with this Sponsor Agreement. Promptly following each such notification, Purchaser or New Pubco (as
applicable) shall update Schedule A to reflect the applicable changes as they relate to Founder Shares or Private Placement
Warrants (in the case of an Interim Period change) or Founder Shares (in the case of a post-Closing change) and provide a copy
of such updated Schedule A to each of the parties hereto, and such updated Schedule A shall control for all purposes
of this Sponsor Agreement (unless and until it is later updated in accordance with this Paragraph 25). Any update to Schedule
A in accordance with this Sponsor Agreement shall not be deemed an amendment to this Sponsor Agreement for purposes of Paragraph
12.

 

26.            Termination
of Existing Registration Rights Agreement. Effective as of (but subject to the consummation of) the Closing, (a) that
certain Registration Rights Agreement, dated as of April 3, 2019, by and among Purchaser, Sponsor and the other parties thereto
is hereby terminated and of no force or effect, and (b) none of the parties thereto shall have any rights or obligations
thereunder.

 

27.            Additional
Agreements.

 

(a)            The
Sponsor hereby represents and warrants to New Pubco, Purchaser and the Company that (i) on or prior to the date hereof, it
has delivered to New Pubco, Purchaser and the Company a capitalization table showing all of the direct equity owners of the Sponsor
(the “Sponsor Cap Table”), (ii) the Sponsor Cap Table is true, correct and complete in all respects as
of the date hereof and (iii) as of the date hereof, no person who is contemplated to be a director, board observer or officer
of New Pubco following the Closing holds a direct or indirect economic interest in the Sponsor.

 

(b)            Notwithstanding
anything to the contrary herein, following the date hereof, the Sponsor shall provide written notice to New Pubco, Purchaser and
the Company promptly following (i) any change in the Sponsor Cap Table or (ii) any director, board observer or officer
of New Pubco (or, if in the pre-Closing period, any person who is contemplated to be a director, board observer or officer of
New Pubco following the Closing) becoming a direct or indirect holder of an economic interest in the Sponsor.

 

(c)            Notwithstanding
anything to the contrary herein (including Paragraphs 6(b) and 6(c)), if any director, board observer or officer of New Pubco
holds an economic interest directly or indirectly in any Sponsor Person and/or any Permitted Transferee of any such Sponsor Person
(such Sponsor Person and such Sponsor Person’s Permitted Transferee being the “Invested Party”), the
Invested Party (and for the avoidance of doubt, no other Sponsor Person hereof other than the Invested Party) shall be subject
to the New Pubco insider trading policies (including any “cooling off” period specified therein) applicable to its
directors and officers.

 

    15 

     

    

 

28.            Further
Assurances. Each of the parties hereto agrees to execute and deliver hereafter any further document, agreement or instrument
of assignment, transfer or conveyance as may be necessary or desirable to effectuate the purposes hereof and as may be reasonably
requested in writing by another party hereto.

 

[Signature pages follow]

 

    16 

     

    

 

Sincerely,

 

	 	REPLAY SPONSOR, LLC
	 	 
	 	By:	/s/ Edmond M. Safra
	 	Name: 	Edmond M. Safra
	 	Title: 	Manager
	 	 
	 	By: 	/s/ Gregorio Werthein
	 	Name:	Gregorio Werthein
	 	Title: 	Manager
	 	 
	 	EMS OPPORTUNITY LTD.
	 	 
	 	By: 	/s/ Edmond M. Safra
	 	Name:	Edmond M. Safra
	 	Title: 	Authorized Signatory
	 	 
	 	 
	 	/s/ Russell Colaco
	 	Russell Colaco
	 	 
	 	/s/ Daniel Marx
	 	Daniel Marx
	 	 
	 	/s/ Mariano Bosch
	 	Mariano Bosch
	 	 
	 	/s/ Edmond M. Safra
	 	Edmond M. Safra
	 	 
	 	/s/ Gregorio Werthein
	 	Gregorio Werthein
	 	 
	 	/s/ Brendan Driscoll
	 	Brendan Driscoll
	 	 
	 	/s/ Gerardo Werthein
	 	Gerardo Werthein
	 	 
	 	/s/ Leonardo Madcur
	 	Leonardo Madcur
	 	 
	 	/s/ Ezra Cohen
	 	Ezra Cohen

 

[Signature page
to Sponsor Agreement]

 

    

     

    

 

Acknowledged and agreed:

 

	REPLAY ACQUISITION CORP.	 
	 	 
	By:	/s/
    Edmond Safra	 
	 	Name:	Edmond M. Safra	 
	 	Title:	Co-Chief Executive Officer	 

 

	By:	/s/ Gregorio Werthein	 
	 	Name:	Gregorio Werthein	 
	 	Title:	Co-Chief Executive Officer	 

 

	FINANCE OF AMERICA COMPANIES INC.	 
	 	 
	By:	/s/
    Edmond M. Safra	 
	 	Name: 	 Edmond M. Safra	 
	 	Title:	President	 

 

	FINANCE OF AMERICA EQUITY CAPITAL LLC 	 
	 	 
	By:	/s/
    Graham Fleming	 
	 	Name: 	 Graham Fleming	 
	 	Title:	President	 

 

[Signature page
to Sponsor Agreement]Exhibit 10.2

 

FINAL FORM

 

Subscription
Agreement

 

This SUBSCRIPTION AGREEMENT (this “Subscription
Agreement”) is entered into this 12th day of October, 2020, by and among Replay Acquisition Corp, a Cayman
Islands exempted company (the “Cayman Issuer”); Finance of America Companies Inc., a Delaware corporation (“New
Pubco”); BTO Urban Holdings LLC, a Delaware limited liability company and Libman Family Holdings LLC, a Connecticut limited
liability company, acting jointly as representative of the Sellers (as defined below) (the “Seller Representative”);
Finance of America Equity Capital LLC, a Delaware limited liability company (“FoA”); and the undersigned (“Subscriber”
or “you”, and together with the Cayman Issuer, New Pubco, the Seller Representative and FoA, the “Parties”,
and each a “Party”). Defined terms used but not otherwise defined herein shall have the respective meanings
ascribed thereto in the Transaction Agreement (as defined below).

 

WHEREAS, the Cayman Issuer, New Pubco, the
Seller Representative, FoA and the other parties named therein are, concurrently with the execution of this Subscription Agreement,
entering into that certain Transaction Agreement, dated as of the date hereof (as amended, modified, supplemented or waived from
time to time in accordance with its terms, the “Transaction Agreement”), to effect an “UP-C” structure
through a series of related transactions (collectively, the “Transactions”) pursuant to which, among other things,
(i) New Pubco will acquire, directly and/or indirectly, from existing owners of FoA (the “Sellers”) a controlling
equity interest in FoA, (ii) Cayman Issuer will domesticate to a Delaware limited liability company that will become a wholly
owned subsidiary of New Pubco and each Share (as defined below) outstanding (including the Subscribed Shares (as defined below))
shall be converted into a limited liability company unit and then converted into the right to receive one share of New Pubco Class A
common stock, par value $0.0001 per share (“Class A Shares”), (iii) the Sellers will hold Class A
Shares or limited liability company interests in FoA (“FoA Units”) that are exchangeable on a one-for-one basis
for Class A Shares and (iv) holders of FoA Units other than New Pubco (or any wholly owned subsidiary) will hold New
Pubco’s shares of Class B common stock, par value $0.0001 per share, which will have no economic rights but will entitle
each holder to a number of votes that is equal to the aggregate number of FoA Units held by such holder on all matters on which
stockholders of New Pubco are entitled to vote generally.

 

WHEREAS, as used in this Subscription Agreement,
 “Issuer” means (i) prior to the consummation of the Transactions, the Cayman Issuer and (ii) from
and after the consummation of the Transactions, New Pubco; and “Shares” means (i) prior to the consummation
of the Transactions, the Cayman Issuer’s Ordinary Shares, par value $0.0001 per share (“Ordinary Shares”)
and (ii) from and after the consummation of the Transactions, the Class A Shares of New Pubco.

 

WHEREAS, in connection with the Transactions,
Subscriber desires to subscribe for and purchase from the Issuer that number of Shares set forth on the signature page hereto
(the “Subscribed Shares”) for a purchase price of $10.00 per share (the “Purchase Price”),
and the Issuer desires to issue and sell to Subscriber the Shares in consideration of the payment of the Purchase Price therefor
by or on behalf of Subscriber to the Issuer, all on the terms and conditions set forth herein;

 

     

     

    

 

WHEREAS, certain other “qualified institutional
buyers” (as defined in Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”)) or
 “accredited investors” (within the meaning of Rule 501(a) under the Securities Act) (each, an “Other
Subscriber”) have, severally and not jointly, entered into separate subscription agreements with the Issuer (the “Other
Subscription Agreements”), pursuant to which such Other Subscribers have agreed to purchase Shares on the Closing Date
at the same per share purchase price as the Subscriber, and the aggregate amount of securities to be sold by the Issuer or its
subsidiaries pursuant to this Subscription Agreement and the Other Subscription Agreements equals, as of the date hereof, 25,000,000
Shares; and

 

WHEREAS, except as otherwise defined herein
or otherwise expressly provided in this Subscription Agreement, capitalized terms shall have the respective meanings contained
in the Transaction Agreement.

 

NOW, THEREFORE, in consideration of the foregoing
and the mutual representations, warranties and covenants, and subject to the conditions, herein contained, and intending to be
legally bound hereby, the Parties hereby agree as follows:

 

For ease of administration, this single Subscription
Agreement is being executed so as to enable each Subscriber identified on the signature page to enter into a Subscription
Agreement, severally, but not jointly. The parties agree that (i) the Subscription Agreement shall be treated as if it were
a separate agreement with respect to each Subscriber listed on the signature page, as if each Subscriber entity had executed a
separate Subscription Agreement naming only itself as Subscriber, and (ii) no Subscriber listed on the signature page shall
have any liability under the Subscription Agreement for the obligations of any other Subscriber so listed.

 

1.            Subscription.
Subject to the terms and conditions hereof, at the Closing, Subscriber hereby agrees to subscribe for and purchase, and the Issuer
hereby agrees to issue and sell to Subscriber, upon the payment of the Purchase Price, the Subscribed Shares (such subscription
and issuance, the “Subscription”). Subscriber understands and agrees that Subscriber’s Subscription shall
be deemed to be accepted by the Issuer when this Subscription Agreement is signed by a duly authorized person by or on behalf of
the Issuer; the Issuer may do so in counterpart form. In the event of rejection of the Subscription by the Issuer or the termination
of this Subscription in accordance with the terms hereof, Subscriber’s payment hereunder, if any, will be returned promptly
to Subscriber along with this Subscription Agreement.

 

2.            Representations,
Warranties and Agreements.

 

2.1            Subscriber’s
Representations, Warranties and Agreements. To induce the Issuer to issue the Shares to Subscriber, Subscriber hereby represents
and warrants to each of the Cayman Issuer and New Pubco and acknowledges and agrees with the Cayman Issuer and New Pubco as follows:

 

2.1.1            If
Subscriber is not an individual, Subscriber has been duly formed or incorporated and is validly existing in good standing under
the laws of its jurisdiction of incorporation or formation, with power and authority to enter into, deliver and perform its obligations
under this Subscription Agreement. If Subscriber is an individual, Subscriber has the authority to enter into, deliver and perform
its obligations under this Subscription Agreement.

 

    Page 2 of 31

     

    

 

2.1.2            If
Subscriber is not an individual, this Subscription Agreement has been duly authorized, validly executed and delivered by Subscriber.
If Subscriber is an individual, the signature on this Subscription Agreement is genuine, and Subscriber has legal competence and
capacity to execute the same. Assuming that this Subscription Agreement constitutes the valid and binding agreement of each of
the Cayman Issuer, New Pubco, the Seller Representative and FoA, this Subscription Agreement is the valid and binding obligation
of the Subscriber, is enforceable against Subscriber in accordance with its terms, except as may be limited or otherwise affected
by (i) bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium or other laws relating to or affecting the
rights of creditors generally, and (ii) principles of equity, whether considered at law or equity.

 

2.1.3            The
execution, delivery and performance by Subscriber of this Subscription Agreement and the consummation of the transactions contemplated
herein do not and will not (i) conflict with or result in a breach or violation of any of the terms or provisions of, or constitute
a default under, or result in the creation or imposition of any lien, charge or encumbrance upon any of the property or assets
of Subscriber or any of its subsidiaries pursuant to the terms of any indenture, mortgage, deed of trust, loan agreement, lease,
license or other agreement or instrument to which Subscriber or any of its subsidiaries is a party or by which Subscriber or any
of its subsidiaries is bound or to which any of the property or assets of Subscriber or any of its subsidiaries is subject, which
would reasonably be expected to have a material adverse effect on the legal authority of Subscriber to enter into and timely perform
its obligations under this Subscription Agreement (a “Subscriber Material Adverse Effect”), (ii) if Subscriber
is not an individual, result in any violation of the provisions of the organizational documents of Subscriber or any of its subsidiaries
or (iii) result in any violation of any statute or any judgment, order, rule or regulation of any court or governmental
agency or body, domestic or foreign, having jurisdiction over Subscriber or any of its subsidiaries or any of their respective
properties that would reasonably be expected to have a Subscriber Material Adverse Effect.

 

2.1.4            Subscriber
(i) is a “qualified institutional buyer” (as defined in Rule 144A under the Securities Act) or an “accredited
investor” (within the meaning of Rule 501(a) under the Securities Act) satisfying the applicable requirements set
forth on Schedule I, (ii) is acquiring the Shares only for its own account and not for the account of others, or if
Subscriber is subscribing for the Shares as a fiduciary or agent for one or more investor accounts, each owner of such account
is a qualified institutional buyer, and Subscriber has full investment discretion with respect to each such account, and the full
power and authority to make the acknowledgements, representations, warranties and agreements herein on behalf of each owner of
each such account and (iii) is not acquiring the Shares with a view to, or for offer or sale in connection with, any distribution
thereof in violation of the Securities Act (and shall provide the requested information on Schedule I following the signature
page hereto). Subscriber is not an entity formed for the specific purpose of acquiring the Shares.

 

    Page 3 of 31

     

    

 

2.1.5            Subscriber
is (i) an institutional account as defined in FINRA Rule 4512(c), (ii) a sophisticated investor, experienced in
investing in private equity transactions and capable of evaluating investment risks independently, both in general and with regard
to all transactions and investment strategies involving a security or securities and (iii) has exercised independent judgment
in evaluating its participation in the purchase of the Shares. Accordingly, Subscriber understand that the Subscription meets (i) the
exemptions from filing under FINRA Rule 5123(b)(1)(A) and (ii) the institutional customer exemption under FINRA
Rule 2111(b).

 

2.1.6            Subscriber
understands that the Shares are being offered in a transaction not involving any public offering within the meaning of the Securities
Act and that the Shares have not been registered under the Securities Act. Subscriber understands that the Shares may not be resold,
transferred, pledged or otherwise disposed of by Subscriber absent an effective registration statement under the Securities Act,
except (i) to the Issuer or a subsidiary thereof, (ii) to non-U.S. persons pursuant to offers and sales that occur solely
outside the United States within the meaning of Regulation S under the Securities Act or (iii) pursuant to another applicable
exemption from the registration requirements of the Securities Act, and in each of cases (i) and (iii), in accordance with
any applicable securities laws of the states and other jurisdictions of the United States, and that any certificates representing
the Shares shall contain a legend to such effect. Subscriber acknowledges that the Shares will not be eligible for resale pursuant
to Rule 144A promulgated under the Securities Act. Subscriber understands and agrees that the Shares will be subject to the
foregoing transfer restrictions and, as a result of these transfer restrictions, Subscriber may not be able to readily resell the
Shares and may be required to bear the financial risk of an investment in the Shares for an indefinite period of time. Subscriber
understands that it has been advised to consult legal counsel prior to making any offer, resale, pledge or transfer of any of the
Shares.

 

2.1.7            Subscriber
understands and agrees that Subscriber is purchasing the Shares directly from the Issuer. Subscriber further acknowledges that
there have been no representations, warranties, covenants or agreements made to Subscriber by the Cayman Issuer, New Pubco, the
Seller Representative, FoA or any of their respective officers or directors, expressly or by implication, other than those representations,
warranties, covenants and agreements expressly set forth in this Subscription Agreement.

 

2.1.8            In
making its decision to purchase the Shares, Subscriber represents that it has relied solely upon independent investigation made
by Subscriber. Without limiting the generality of the foregoing, Subscriber has not relied on any statements or other information
provided by anyone other than the Cayman Issuer and its representatives concerning the Issuer or the Shares or the offer and sale
of the Shares. Subscriber acknowledges and agrees that Subscriber has received such information as Subscriber deems necessary in
order to make an investment decision with respect to the Shares, including with respect to the Cayman Issuer, New Pubco, the Seller
Representative, FoA and the Transactions. Subscriber represents and agrees that Subscriber and Subscriber’s professional
advisor(s), if any, have had the full opportunity to ask such questions, receive such answers and obtain and review such information
as Subscriber and such Subscriber’s professional advisor(s), if any, have deemed necessary to make an investment decision
with respect to the Shares, and Subscriber has made its own assessment and satisfied itself concerning the relevant tax and other
economic considerations relevant to its Subscription.

 

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2.1.9            Subscriber
became aware of this offering of the Shares solely by means of direct contact between Subscriber and the Cayman Issuer or its representatives.
Subscriber has a pre-existing substantive relationship (as interpreted in guidance from the Commission under the Securities Act)
with the Cayman Issuer or its representative, and the Shares were offered to Subscriber solely by direct contact between Subscriber
and the Cayman Issuer or its representatives. Subscriber did not become aware of this offering of the Shares, nor were the Shares
offered to Subscriber, by any other means. Subscriber acknowledges that the Cayman Issuer represents and warrants that the Shares
(i) were not offered by any form of general solicitation or general advertising, including methods described in section 502(c) of
Regulation D under the Securities Act and (ii) are not being offered in a manner involving a public offering under, or in
a distribution in violation of, the Securities Act, or any state securities laws.

 

2.1.10            Subscriber
acknowledges that it is aware that there are substantial risks incident to the purchase and ownership of the Shares. Subscriber
has such knowledge and experience in financial and business matters as to be capable of evaluating the merits and risks of an investment
in the Shares, and Subscriber has sought such accounting, legal and tax advice as Subscriber has considered necessary to make an
informed investment decision.

 

2.1.11            Alone,
or together with any professional advisor(s), Subscriber represents and acknowledges that Subscriber has adequately analyzed and
fully considered the risks of an investment in the Shares and determined that the Shares are a suitable investment for Subscriber
and that Subscriber is able at this time and in the foreseeable future to bear the economic risk of a total loss of Subscriber’s
investment in the Issuer. Subscriber acknowledges specifically that a possibility of total loss exists.

 

2.1.12            Subscriber
understands and agrees that no federal or state agency has passed upon or endorsed the merits of the offering of the Shares or
made any findings or determination as to the fairness of an investment in the Shares.

 

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2.1.13            Subscriber
represents and warrants that Subscriber is not (i) a person or entity named on the List of Specially Designated Nationals
and Blocked Persons administered by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”)
or in any Executive Order issued by the President of the United States and administered by OFAC (“OFAC List”),
or a person or entity prohibited by any OFAC sanctions program, (ii) a Designated National as defined in the Cuban Assets
Control Regulations, 31 C.F.R. Part 515 or (iii) a non-U.S. shell bank or providing banking services indirectly to a
non-U.S. shell bank (collectively, a “Prohibited Investor”). Subscriber agrees to provide law enforcement agencies,
if requested thereby, such records as required by applicable law, provided that Subscriber is permitted to do so under applicable
law. Subscriber represents that if it is a financial institution subject to the Bank Secrecy Act (31 U.S.C. Section 5311 et
seq.) (the “BSA”), as amended by the USA PATRIOT Act of 2001 (the “PATRIOT Act”), and its
implementing regulations (collectively, the “BSA/PATRIOT Act”), that Subscriber maintains policies and procedures
reasonably designed to comply with applicable obligations under the BSA/PATRIOT Act. Subscriber also represents that, to the extent
required, it maintains policies and procedures reasonably designed for the screening of its investors against the OFAC sanctions
programs, including the OFAC List. Subscriber further represents and warrants that, to the extent required, it maintains policies
and procedures reasonably designed to ensure that the funds held by Subscriber and used to purchase the Shares were legally derived.

 

2.1.14            If
Subscriber is, or is acting on behalf of, (i) an “employee benefit plan” within the meaning of Section 3(3) of
the Employee Retirement Security Act of 1974, as amended (“ERISA”) that is subject to Title I of ERISA, (ii) a
plan, an individual retirement account or other arrangement that is described in Section 4975(e)(1) of the Internal Revenue
Code of 1985, as amended (the “Code”) that is subject to section 4975 of the Code, (iii) an employee benefit plan
that is a governmental plan (as defined in section 3(32) of ERISA), a church plan (as defined in section 3(33) of ERISA), a non-U.S.
plan (as described in section 4(b)(4) of ERISA) or other plan that is subject to provisions under any other federal, state,
local, non-U.S. or other laws or regulations that are similar to the fiduciary responsibility or prohibited transaction provisions
of Title I of ERISA or Section 4975 of the Code (collectively, “Similar Laws”), or (iv) an entity
whose underlying assets are considered to include “plan assets” of any of the foregoing described in clauses (i), (ii) and
(iii) (each of the foregoing described in clauses (i), (ii), (iii) and (iv) referred to as a “Plan”),
Subscriber represents and warrants that (x) neither Cayman Issuer, nor any of its respective affiliates (the “Transaction
Parties”) has acted as the Plan’s fiduciary, or has been relied on for advice, with respect to its decision to
acquire or hold the Shares, and none of the Transaction Parties shall at any time be relied upon as the Plan’s fiduciary
with respect to any decision to acquire, continue to hold or transfer the Shares and (y) the acquisition and holding of the
Shares will not constitute or result in a non-exempt prohibited transaction under Section 406 of ERISA, Section 4975
of the Code, or a similar violation of any applicable Similar Law.

 

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2.1.15            Except
as expressly disclosed in a Schedule 13D or Schedule 13G (or amendments thereto) filed by such Subscriber with the Commission with
respect to the beneficial ownership of the Cayman Issuer’s Ordinary Shares prior to the date hereof, Subscriber is not currently
(and at all times through Closing will refrain from being or becoming) a member of a “group” (within the meaning of
Section 13(d)(3) or Section 14(d)(2) of the Securities Exchange Act of 1934, as amended (the “Exchange
Act”), or any successor provision) acting for the purpose of acquiring, holding or disposing of equity securities of
the Issuer (within the meaning of Rule 13d-5(b)(1) under the Exchange Act).

 

2.1.16            No
foreign person (as defined in 31 C.F.R. Part 800.224) in which the national or subnational governments of a single foreign
state have a substantial interest (as defined in 31 C.F.R. Part 800.244) will acquire a substantial interest in the Issuer
as a result of the purchase and sale of Shares hereunder such that a declaration to the Committee on Foreign Investment in the
United States would be mandatory under 31 C.F.R. Part 800.401, and no foreign person will have control (as defined in 31 C.F.R.
Part 800.208) over the Issuer from and after the Closing as a result of the purchase and sale of Shares hereunder.

 

2.1.17            Subscriber
has, and on each date the Purchase Price would be required to be funded to the Issuer pursuant to Section 3.1 will
have, sufficient immediately available funds to pay the Purchase Price pursuant to Section 3.1 and was not formed for
the purpose of acquiring the Shares.

 

2.1.18            No
broker, finder or other financial consultant has acted on behalf of Subscriber in connection with this Subscription Agreement or
the transactions contemplated hereby in such a way as to create any liability on the Issuer.

 

2.1.19            Subscriber
understands and agrees that no disclosure or offering document has been prepared in connection with the Subscription by Morgan
Stanley & Co. LLC or any of its affiliates (“Morgan Stanley”), Goldman Sachs & Co. LLC or any of
its affiliates (“Goldman Sachs”) or Credit Suisse Securities (USA) LLC or any of its affiliates (“Credit Suisse”
and, together with Morgan Stanley and Goldman Sachs, the “Placement Agents”).

 

2.1.20            Subscriber
has conducted its own investigation of the Issuer and the Shares and has not relied on any statements or other information provided
by the Placement Agents concerning the Issuer, the Shares or the Subscription. Subscriber understands and agrees that the Placement
Agents and their respective directors, officers, employees, representatives and controlling persons have made no independent investigation
with respect to the Issuer or the Shares or the accuracy, completeness or adequacy of any information supplied to Subscriber by
the Issuer. In connection with the Subscription, none of the Placement Agents has acted as Subscriber’s financial advisor
or fiduciary and Subscriber has not relied on any Placement Agent or any statement, representation or warranty made thereby.

 

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2.2            Issuer’s
Representations, Warranties and Agreements. To induce Subscriber to purchase the Shares, each of the Cayman Issuer and New
Pubco hereby represent and warrant to Subscriber and agrees with Subscriber as follows:

 

2.2.1            The
Cayman Issuer has been duly incorporated and is validly existing as a company in good standing under the laws of Cayman Islands,
with corporate power and authority to own, lease and operate its properties and conduct its business as presently conducted and
to enter into, deliver and perform its obligations under this Subscription Agreement.

 

2.2.2            New
Pubco has been duly incorporated and is validly existing as a corporation in good standing under the laws of the State of Delaware,
with corporate power and authority to own, lease and operate its properties and conduct its business as presently conducted and
to enter into, deliver and perform its obligations under this Subscription Agreement.

 

2.2.3            The
Shares have been duly authorized and, when issued and delivered to Subscriber against full payment for the Shares in accordance
with the terms of this Subscription Agreement and registered with the Issuer’s transfer agent, the Shares will be validly
issued, fully paid and non-assessable and will not have been issued in violation of or subject to any preemptive or similar rights
created under the Issuer’s amended and restated certificate of incorporation or under the Delaware General Corporation Law.

 

2.2.4            This
Subscription Agreement has been duly authorized, validly executed and delivered by each of the Cayman Issuer and New Pubco and,
assuming that this Subscription Agreement constitutes the valid and binding obligation of the Subscriber, is the valid and binding
obligation of each of the Cayman Issuer and New Pubco, is enforceable against each of the Cayman Issuer, and New Pubco in accordance
with its terms, except as may be limited or otherwise affected by (i) bankruptcy, insolvency, fraudulent conveyance, reorganization,
moratorium or other laws relating to or affecting the rights of creditors generally and (ii) principles of equity, whether
considered at law or equity.

 

2.2.5            The
execution, delivery and performance of this Subscription Agreement (including compliance by each of the Cayman Issuer and New Pubco
with all of the provisions hereof), issuance and sale of the Shares and the consummation of the certain other transactions contemplated
herein will not (i) conflict with or result in a breach or violation of any of the terms or provisions of, or constitute a
default under, or result in the creation or imposition of any lien, charge or encumbrance upon any of the property or assets of
any of the Cayman Issuer, New Pubco or any of their respective subsidiaries pursuant to the terms of any indenture, mortgage, deed
of trust, loan agreement, lease, license or other agreement or instrument to which any of the Cayman Issuer, New Pubco or any of
their respective subsidiaries is a party or by which any of the Cayman Issuer, New Pubco or any of their respective subsidiaries
is bound or to which any of the property or assets of any of the Cayman Issuer, New Pubco or any of their respective subsidiaries
is subject, which would reasonably be expected to have a material adverse effect on the ability of any of the Cayman Issuer or
New Pubco to enter into and timely perform their obligations under this Subscription Agreement (a “Issuer Material Adverse
Effect”), (ii) result in any violation of the provisions of the organizational documents of any of the Cayman Issuer,
New Pubco or any of their respective subsidiaries or (iii) result in any violation of any statute or any judgment, order,
rule or regulation of any court or governmental agency or body, domestic or foreign, having jurisdiction over any of the Cayman
Issuer, New Pubco or any of their respective subsidiaries or any of their respective properties that would reasonably be expected
to have an Issuer Material Adverse Effect.

 

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2.2.6            Neither
the Cayman Issuer, New Pubco nor any person acting on their respective behalf has, directly or indirectly, made any offers or sales
of any Issuer security or solicited any offers to buy any security under circumstances that would adversely affect reliance by
the Issuer on Section 4(a)(2) of the Securities Act for the exemption from registration for the transactions contemplated
hereby or would require registration of the issuance of the Shares under the Securities Act.

 

2.2.7            Neither
the Cayman Issuer, New Pubco nor any person acting on their respective behalf has conducted any general solicitation or general
advertising, including methods described in section 502(c) of Regulation D under the Securities Act, in connection with the
offer or sale of any of the Shares and neither the Cayman Issuer, New Pubco nor any person acting on their respective behalf offered
any of the Shares in a manner involving a public offering under, or in a distribution in violation of, the Securities Act or any
state securities laws.

 

2.2.8            As
of the date of this Subscription Agreement, the authorized capital shares of the Cayman Issuer consists of (a) 200,000,000
Shares and (b) 2,000,000 shares of Preferred Shares, par value $0.0001 per share (“Preferred Shares”).
As of immediately prior to the Closing, the authorized capital shares of New Pubco will consist of (i) 6,000,000,000 Class A
Shares, (ii) 1,000,000 shares of Class B common stock, par value $0.0001 per share (“Class B Shares”)
and 600,000,000 shares of preferred stock, par value $0.0001 per share. As of the date hereof: (i) no Preferred Shares are
issued and outstanding; (ii) 35,937,500 Ordinary Shares are issued and outstanding (“Existing Shares”);
(iii) 7,750,000 warrants exercisable to purchase 7,750,000 Ordinary Shares (the “Private Placement Warrants”)
are outstanding; and (v) 28,750,000 warrants exercisable to purchase 14,375,000 Ordinary Shares (the “Public Warrants”)
are outstanding. All (i) issued and outstanding Existing Shares have been duly authorized and validly issued, are fully paid
and are non-assessable and are not subject to preemptive rights and (ii) outstanding Private Placement Warrants and Public
Warrants have been duly authorized and validly issued, are fully paid and are not subject to preemptive rights. Except as set forth
above and pursuant to the Other Subscription Agreements and the Transaction Agreement, there are no outstanding options, warrants
or other rights to subscribe for, purchase or acquire from the Issuer any Shares or any other equity interests in the Issuer, or
securities convertible into or exchangeable or exercisable for such equity interests. As of the date hereof, other than, New Pubco,
Purchaser Merger Sub and Blocker Merger Sub, the Cayman Issuer has no subsidiaries and does not own, directly or indirectly, interests
or investments (whether equity or debt) in any person, whether incorporated or unincorporated. There are no stockholder agreements,
voting trusts or other agreements or understandings to which the Issuer is a party or by which it is bound relating to the voting
of any securities of the Issuer, other than (A) as set forth in the SEC Documents and (B) as contemplated by the Transaction
Agreement.

 

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2.2.9            Assuming
the accuracy of Subscriber’s representations and warranties set forth in Section 2.1 of this Subscription Agreement,
(x) no registration under the Securities Act is required for the offer and sale of the Shares by the Issuer to Subscriber
and (y) no consent, approval, order or authorization of, or registration, qualification, designation, declaration or filing
with, any federal, state or local Governmental Authority is required on the part of the Issuer in connection with the consummation
of the transactions contemplated by this Subscription Agreement, except for (i) filings pursuant to Regulation D of the Securities
Act and applicable state securities laws, (ii) filings required by the NYSE, including with respect to obtaining shareholder
approval, (iii) filings required to consummate the Transactions as provided under the definitive documents relating to the
Transactions and (iv) where the failure of which to obtain would not be reasonably likely to have an Issuer Material Adverse
Effect.

 

2.2.10            The
Cayman Issuer has made available to Subscriber (including via the Securities and Exchange Commission’s (the “Commission”)
EDGAR system) a true, correct and complete copy of each form, report, statement, schedule, prospectus, proxy, registration statement
and other documents filed by the Cayman Issuer with the Commission prior to the date of this Subscription Agreement (the “SEC
Documents”) which SEC Documents, as of their respective filing dates, complied in all material respects with the requirements
of the Exchange Act applicable to the SEC Documents and the rules and regulations of the Commission promulgated thereunder
applicable to the SEC Documents. None of the SEC Documents filed under the Exchange Act, contained, when filed or, if amended prior
to the date of this Subscription Agreement, as of the date of such amendment with respect to those disclosures that are amended,
any untrue statement of a material fact or omitted to state a material fact required to be stated therein or necessary to make
the statements therein, in light of the circumstances under which they were made, not misleading; provided, that the
Cayman Issuer makes no such representation or warranty with respect to the proxy statement/prospectus to be filed by the Cayman
Issuer and/or New Pubco with respect to the Transactions or any other information relating to FoA or any of its affiliates included
in any SEC Document or filed as an exhibit thereto. The financial statements of the Cayman Issuer included in the SEC Documents
comply in all material respects with applicable accounting requirements and the rules and regulations of the Commission with
respect thereto as in effect at the time of filing and fairly present in all material respects the financial position of the Cayman
Issuer as of and for the dates thereof and the results of operations and cash flows for the periods then ended, subject, in the
case of unaudited statements, to normal, year-end audit adjustments. The Cayman Issuer has timely filed each report, statement,
schedule, prospectus, and registration statement that the Cayman Issuer was required to file with the Commission since its inception
and through the date hereof. As of the date hereof, there are no material outstanding or unresolved comments in comment letters
from the Commission staff with respect to any of the SEC Documents.

 

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2.2.11            No
broker, finder or other financial consultant has acted on behalf of the Cayman Issuer or New Pubco in connection with this Subscription
Agreement or the transactions contemplated hereby in such a way as to create any liability on the Subscriber. Each of the Cayman
Issuer and New Pubco agrees to indemnify and hold harmless Subscriber from any claim or demand for commission or other compensation
by any broker, finder, financial consultant or similar agent claiming to have been employed by or on behalf of the Cayman Issuer
or New Pubco and to bear the cost of legal expenses incurred by Subscriber in defending against any such claim.

 

2.2.12            The
execution, delivery and performance of its obligations hereunder by Subscriber are, or are based on, commercial acts for purposes
of applicable law.

 

2.2.13            The
Ordinary Shares are registered pursuant to Section 12(b) of the Exchange Act, and listed for trading on the NYSE. There
is no suit, action, proceeding or investigation pending or, to the knowledge of the Cayman Issuer or New Pubco, threatened against
the Cayman Issuer or New Pubco by the NYSE or the Commission with respect to any intention by such entity to deregister the Ordinary
Shares or prohibit or terminate the listing of the Ordinary Shares on the NYSE. Neither the Cayman Issuer or New Pubco has taken
any action that is designed to terminate the registration of the Shares under the Exchange Act.

 

2.2.14            As
of the date hereof, there are no pending or, to the knowledge of the Issuer, threatened actions, which, if determined adversely,
would, individually or in the aggregate, reasonably be expected to have a material adverse effect on the ability of the Issuer
to enter into and perform its obligations under this Subscription Agreement. As of the date hereof, there is no unsatisfied judgment
or any open injunction binding upon the Issuer which would, individually or in the aggregate, reasonably be expected to have a
material adverse effect on the ability of the Issuer to enter into and perform its obligations under this Subscription Agreement.

 

2.2.15            The
Issuer has not entered into any subscription agreement, side letter or similar agreement with any Other Subscriber or any other
investor in connection with such Other Subscriber’s or investor’s direct or indirect investment in the Issuer other
than (i) the Transaction Agreement and (ii) the Other Subscription Agreements. No Other Subscription Agreement includes
terms and conditions that are materially more advantageous to any such Other Subscriber than Subscriber hereunder. The Other Subscription
Agreements have not been amended in any material respect following the date of this Subscription Agreement.

 

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3.            Settlement
Date and Delivery.

 

3.1            Closing.
The closing of the Subscription contemplated hereby (the “Closing”) shall occur on the date of, and immediately
prior to, the consummation of the Transactions. Upon written notice from (or on behalf of) the Issuer to Subscriber (the “Closing
Notice”) at least 5 Business Days prior to the date that the Issuer reasonably expects all conditions to the closing
of the Transactions to be satisfied (the “Expected Closing Date”), Subscriber shall deliver to the Issuer no
later than three Business Days prior to the Expected Closing Date, the Purchase Price for the Subscribed Shares, by wire transfer
of United States dollars in immediately available funds to the account specified by the Issuer in the Closing Notice, such funds
to be held by the Issuer in escrow until the Closing. If the Transactions are not consummated within five Business Days of the
Expected Closing Date, the Issuer shall return the Purchase Price to Subscriber by wire transfer of United States dollars in immediately
available funds to an account specified by Subscriber. Notwithstanding such return, (i) a failure to close on the Expected
Closing Date shall not, by itself, be deemed to be a failure of any of the conditions to Closing set forth in this Section 3
to be satisfied or waived on or prior to the Closing Date, and (ii) Subscriber shall remain obligated (A) to redeliver
funds to the Issuer in escrow following the Issuer’s delivery to Subscriber of a new Closing Notice and (B) to consummate
the Closing upon satisfaction of the conditions set forth in this Section 3, subject to termination of this Agreement
in accordance with Section 5 below. At the Closing, upon satisfaction (or, if applicable, waiver) of the conditions set forth
in this Section 3, the Issuer shall deliver to Subscriber the Shares in book entry form in the name of Subscriber (or
its nominee in accordance with its delivery instructions) or to a custodian designated by Subscriber, as applicable. For purposes
of this Subscription Agreement, “Business Day” means any day that, in New York, New York, is neither a legal
holiday nor a day on which banking institutions are generally authorized or required by law or regulation to close.

 

3.2            Conditions
to Closing of the Issuer.

 

The Issuer’s obligations to sell and
issue the Subscribed Shares at the Closing are subject to the fulfillment or (to the extent permitted by applicable law) written
waiver by Issuer, on or prior to the Closing Date, of each of the following conditions:

 

3.2.1            Representations
and Warranties Correct. The representations and warranties made by Subscriber in Section 2.1 hereof shall be true
and correct in all material respects on and as of the Closing Date (unless they specifically speak as of another date in which
case they shall be true and correct in all material respects as of such date) (other than representations and warranties that are
qualified as to materiality or Subscriber Material Adverse Effect, which representations and warranties shall be true in all respects)
with the same force and effect as if they had been made on and as of the Closing Date, but in each case without giving effect to
consummation of the Transactions.

 

3.2.2            Compliance
with Covenants. Subscriber shall have performed, satisfied and complied in all material respects with the covenants, agreements
and conditions required by this Subscription Agreement to be performed, satisfied or complied with by Subscriber at or prior to
the Closing.

 

3.2.3            Closing
of the Transactions. All conditions precedent to the Issuer’s obligations to consummate, or cause to be consummated,
the Transactions set forth in the Transaction Agreement shall have been satisfied or waived by the party entitled to the benefit
thereof under the Transaction Agreement (other than those conditions that may only be satisfied at the consummation of the Transactions,
but subject to satisfaction or waiver by such party of such conditions as of the consummation of the Transactions).

 

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3.2.4            Legality.
There shall not be in force any order, judgment, injunction, decree, writ, stipulation, determination or award, in each case, entered
by or with any Governmental Authority, statute, rule or regulation enjoining or prohibiting the consummation of the Subscription.

 

3.3            Conditions
to Closing of Subscriber.

 

Subscriber’s obligation to purchase
the Subscribed Shares at the Closing is subject to the fulfillment or (to the extent permitted by applicable law) written waiver
by Subscriber, on or prior to the Closing Date, of each of the following conditions:

 

3.3.1            Representations
and Warranties Correct. The representations and warranties made by the Issuer in Section 2.2 hereof shall be true
and correct in all material respects as of the Closing Date (other than representations and warranties that are qualified as to
materiality or Issuer Material Adverse Effect, which representations and warranties shall be true in all respects) without giving
effect to the consummation of the Transactions.

 

3.3.2            Compliance
with Covenants. The Issuer shall have performed, satisfied and complied in all material respects with the covenants, agreements
and conditions required by this Subscription Agreement to be performed, satisfied or complied with by the Issuer at or prior to
the Closing.

 

3.3.3            No
Amendment of Transaction Terms. No amendment or modification of the Transaction Agreement shall have occurred that would reasonably
be expected to materially and adversely affect the economic benefits that the Subscriber would reasonably expect to receive under
this Subscription Agreement without having received Subscriber’s prior written consent (not to be unreasonably withheld,
conditioned or delayed).

 

3.3.4            Closing
of the Transactions. All conditions precedent to the Issuer’s obligations to consummate, or cause to be consummated,
the Transactions set forth in the Transaction Agreement shall have been satisfied or waived by the party entitled to the benefit
thereof under the Transaction Agreement (other than those conditions that may only be satisfied at the consummation of the Transactions,
but subject to satisfaction or waiver by such party of such conditions as of the consummation of the Transactions).

 

3.3.5            Legality.
There shall not be in force any order, judgment, injunction, decree, writ, stipulation, determination or award, in each case, entered
by or with any governmental authority, statute, rule or regulation enjoining or prohibiting the transactions contemplated
by this Subscription Agreement.

 

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4.            Registration
Statement.

 

4.1            The
Issuer agrees that, within 45 calendar days after the consummation of the Transactions (the “Filing Date”),
the Issuer will file with the Commission (at the Issuer’s sole cost and expense) a registration statement (the “Registration
Statement”) registering the resale of the Shares, and the Issuer shall use its commercially reasonable efforts to have
the Registration Statement declared effective as soon as practicable after the filing thereof, but no later than the earlier of
(i) the 75th calendar day (or 135th calendar day if the SEC notifies the Issuer that it will “review” the Registration
Statement) following the Closing and (ii) the 10th Business Day after the date the Issuer is notified (orally or in writing,
whichever is earlier) by the SEC that the Registration Statement will not be “reviewed” or will not be subject to further
review (such date, the “Effectiveness Date”); provided, however, that the Issuer’s
obligations to include the Shares in the Registration Statement are contingent upon Subscriber furnishing a completed and executed
selling shareholders questionnaire in customary form to the Issuer that contains the information required by Commission rules for
a Registration Statement regarding Subscriber, the securities of the Issuer held by Subscriber and the intended method of disposition
of the Shares to effect the registration of the Shares, and Subscriber shall execute such documents in connection with such registration
as the Issuer may reasonably request that are customary of a selling stockholder in similar situations, including providing that
the Issuer shall be entitled to postpone and suspend the effectiveness or use of the Registration Statement during any customary
blackout or similar period or as permitted hereunder. For purposes of clarification, any failure by the Issuer to file the Registration
Statement by the Filing Date or to make such Registration Statement effective shall not otherwise relieve the Issuer of its obligations
to file the Registration Statement or make such Registration Statement effective as set forth above in this Section 4.

 

4.2            In
the case of the registration effected by the Issuer pursuant to this Subscription Agreement, the Issuer shall, upon reasonable
request, inform Subscriber as to the status of such registration. If the Commission requests that the Subscriber be identified
as a statutory underwriter in the Registration Statement, the Subscriber will have an opportunity to withdraw from the Registration
Statement. At its expense the Issuer shall:

 

4.2.1            except
for such times as the Issuer is permitted hereunder to suspend the use of the prospectus forming part of a Registration Statement,
use its commercially reasonable efforts to keep such registration, and any qualification, exemption or compliance under state securities
laws which the Issuer determines to obtain, continuously effective with respect to Subscriber, and to keep the applicable Registration
Statement or any subsequent shelf registration statement free of any material misstatements or omissions, until the earlier of
the following: (i) two years from the consummation of the Transactions, (ii) Subscriber ceases to hold any Shares and
(iii) the date all Shares held by Subscriber may be sold without restriction under Rule 144, including without limitation,
any volume and manner of sale restrictions which may be applicable to affiliates under Rule 144 and without the requirement
for the Issuer to be in compliance with the current public information required under Rule 144(c)(1) (or Rule 144(i)(2),
if applicable) ;

 

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4.2.2            advise
Subscriber within five (5) Business Days:

 

(a)            when
a Registration Statement or any post-effective amendment thereto has become effective;

 

 

(b)            of
the issuance by the Commission of any stop order suspending the effectiveness of any Registration Statement or the initiation of
any proceedings for such purpose;

 

(c)            of
the receipt by the Issuer of any notification with respect to the suspension of the qualification of the Shares included therein
for sale in any jurisdiction or the initiation or threatening of any proceeding for such purpose; and

 

(d)            subject
to the provisions in this Subscription Agreement, of the occurrence of any event that requires the making of any changes in any
Registration Statement or prospectus so that, as of such date, the statements therein are not misleading and do not omit to state
a material fact required to be stated therein or necessary to make the statements therein (in the case of a prospectus, in the
light of the circumstances under which they were made) not misleading.

 

Notwithstanding anything to the contrary
set forth herein, the Issuer shall not, when so advising Subscriber of such events, provide Subscriber with any material, nonpublic
information regarding the Issuer other than to the extent that providing notice to Subscriber of the occurrence of the events listed
in (a) through (d) above constitutes material, nonpublic information regarding the Issuer;

 

4.2.3            use
its commercially reasonable efforts to obtain the withdrawal of any order suspending the effectiveness of any Registration Statement
as soon as reasonably practicable;

 

4.2.4            upon
the occurrence of any event contemplated in Section 4.2.2(d), except for such times as the Issuer is permitted hereunder
to suspend, and has suspended, the use of a prospectus forming part of a Registration Statement, the Issuer shall use its commercially
reasonable efforts to as soon as reasonably practicable prepare a post-effective amendment to such Registration Statement or a
supplement to the related prospectus, or file any other required document so that, as thereafter delivered to purchasers of the
Shares included therein, such prospectus will not include any untrue statement of a material fact or omit to state any material
fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading;
and

 

4.2.5            use
its commercially reasonable efforts to cause all Shares to be listed on each securities exchange or market, if any, on which the
Issuer’s Shares are then listed.

 

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4.3            Notwithstanding
anything to the contrary in this Subscription Agreement, the Issuer shall be entitled to delay or postpone the effectiveness of
the Registration Statement, and from time to time to require Subscriber not to sell under the Registration Statement or to suspend
the effectiveness thereof if the filing, effectiveness or continued use of any Registration Statement would require the Issuer
to make any public disclosure of material non-public information, which disclosure, in the good faith determination of the board
of directors of the Issuer, after consultation with counsel to the Issuer, (a) would be required to be made in any Registration
Statement in order for the applicable Registration Statement not to contain any untrue statement of a material fact or omit to
state a material fact necessary to make the statements contained therein not misleading, (b) would not be required to be made
at such time if the Registration Statement were not being filed, and (c) the Issuer has a bona fide business purpose for not
making such information public (each such circumstance, a “Suspension Event”); provided, however,
that the Issuer may not delay or suspend the Registration Statement on more than three occasions or for more than sixty (60) consecutive
calendar days in any three-month period, or more than ninety (90) total calendar days, in each case during any twelve-month period.
Upon receipt of any written notice from the Issuer of the happening of any Suspension Event during the period that the Registration
Statement is effective or if as a result of a Suspension Event the Registration Statement or related prospectus contains any untrue
statement of a material fact or omits to state any material fact required to be stated therein or necessary to make the statements
therein, in light of the circumstances under which they were made (in the case of the prospectus) not misleading, Subscriber agrees
that (i) it will immediately discontinue offers and sales of the Shares under the Registration Statement until Subscriber
receives copies of a supplemental or amended prospectus (which the Issuer agrees to promptly prepare) that corrects the misstatement(s) or
omission(s) referred to above and receives notice that any post-effective amendment has become effective or unless otherwise
notified by the Issuer that it may resume such offers and sales, and (ii) it will maintain the confidentiality of any information
included in such written notice delivered by the Issuer unless otherwise required by law. If so directed by the Issuer, Subscriber
will deliver to the Issuer or, in Subscriber’s sole discretion destroy, all copies of the prospectus covering the Shares
and in Subscriber’s possession; provided, however, that this obligation to deliver or destroy all copies
of the prospectus covering the Shares shall not apply (i) to the extent Subscriber is required to retain a copy of such prospectus
(a) in order to comply with applicable legal, regulatory, self-regulatory or professional requirements or (b) in accordance
with a bona fide pre-existing document retention policy or (ii) to copies stored electronically on archival servers as a result
of automatic data back-up.

 

4.4            The
Issuer shall, notwithstanding any termination of this Subscription Agreement, indemnify, defend and hold harmless each Subscriber
(to the extent a seller under the Registration Statement), the officers, directors, employees and agents of each of them, and each
person who controls such Subscriber (within the meaning of Section 15 of the Securities Act or Section 20 of the Exchange
Act) to the fullest extent permitted by applicable law, from and against any and all out-of-pocket losses, claims, damages, liabilities,
costs (including, without limitation, reasonable attorneys’ fees) and expenses (collectively, “Losses”),
as incurred, that arise out of or are based upon (i) any untrue or alleged untrue statement of a material fact contained in
the Registration Statement, any prospectus included in the Registration Statement or any form of prospectus or in any amendment
or supplement thereto or in any preliminary prospectus, or arising out of or relating to any omission or alleged omission to state
a material fact required to be stated therein or necessary to make the statements therein (in the case of any prospectus or form
of prospectus or supplement thereto, in light of the circumstances under which they were made) not misleading, or (ii) any
violation or alleged violation by the Issuer of the Securities Act, Exchange Act or any state securities law or any rule or
regulation thereunder, in connection with the performance of its obligations under this Section 4, except to the extent,
but only to the extent, that such untrue statements, alleged untrue statements, omissions or alleged omissions are based upon information
regarding such Subscriber furnished in writing to the Issuer by such Subscriber expressly for use therein or such Subscriber has
omitted a material fact from such information or otherwise violated the Securities Act, Exchange Act or any state securities law
or any other law, rule or regulation thereunder; provided, however, that the indemnification contained in this
Section 4 shall not apply to amounts paid in settlement of any Losses if such settlement is effected without the consent
of the Issuer (which consent shall not be unreasonably withheld, conditioned or delayed), nor shall the Issuer be liable for any
Losses to the extent they arise out of or are based upon a violation which occurs (A) in reliance upon and in conformity with
written information furnished by a Subscriber, (B) in connection with any failure of such person to deliver or cause to be
delivered a prospectus made available by the Issuer in a timely manner, (C) as a result of offers or sales effected by or
on behalf of any person by means of a “free writing prospectus” (as defined in Rule 405 under the Securities Act)
that was not authorized in writing by the Issuer, or (D) in connection with any offers or sales effected by or on behalf of
Subscriber in violation of Section 4.3 hereof.  The Issuer shall notify such Subscriber promptly of the institution,
threat or assertion of any proceeding arising from or in connection with the transactions contemplated by this Section 4
of which the Issuer is aware.  Such indemnity shall remain in full force and effect regardless of any investigation made by
or on behalf of an indemnified party and shall survive the transfer of the Shares by such Subscriber.

 

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4.5            Each
Subscriber shall, severally and not jointly, indemnify and hold harmless the Issuer, its directors, officers, agents and employees,
and each person who controls the Issuer (within the meaning of Section 15 of the Securities Act and Section 20 of the
Exchange Act), to the fullest extent permitted by applicable law, from and against all Losses, as incurred, arising out of or are
based upon any untrue or alleged untrue statement of a material fact contained in any Registration Statement, any prospectus included
in the Registration Statement, or any form of prospectus, or in any amendment or supplement thereto or in any preliminary prospectus,
or arising out of or relating to any omission or alleged omission of a material fact required to be stated therein or necessary
to make the statements therein (in the case of any prospectus, or any form of prospectus or supplement thereto, in light of the
circumstances under which they were made) not misleading to the extent, but only to the extent, that such untrue statements or
omissions are based upon information regarding such Subscriber furnished in writing to the Issuer by such Subscriber expressly
for use therein; provided, however, that the indemnification contained in this Section 4 shall not apply
to amounts paid in settlement of any Losses if such settlement is effected without the consent of such Subscriber (which consent
shall not be unreasonably withheld, conditioned or delayed).  Notwithstanding anything to the contrary herein, in no event
shall the liability of any Subscriber be greater in amount than the dollar amount of the net proceeds received by such Subscriber
upon the sale of the Shares giving rise to such indemnification obligation.  Each Subscriber shall notify the Issuer promptly
of the institution, threat or assertion of any proceeding arising from or in connection with the transactions contemplated by this
Section 4 of which such Subscriber is aware.  Such indemnity shall remain in full force and effect regardless
of any investigation made by or on behalf of an indemnified party and shall survive the transfer of the Shares by such Subscriber.

 

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4.6            If
the indemnification provided under this Section 4 from the indemnifying party is unavailable or insufficient to hold
harmless an indemnified party in respect of any Losses referred to herein, then the indemnifying party, in lieu of indemnifying
the indemnified party, shall contribute to the amount paid or payable by the indemnified party as a result of such Losses in such
proportion as is appropriate to reflect the relative fault of the indemnifying party and the indemnified party, as well as any
other relevant equitable considerations.  The relative fault of the indemnifying party and indemnified party shall be determined
by reference to, among other things, whether any action in question, including any untrue or alleged untrue statement of a material
fact or omission or alleged omission to state a material fact, was made by, or relates to information supplied by, such indemnifying
party or indemnified party, and the indemnifying party’s and indemnified party’s relative intent, knowledge, access
to information and opportunity to correct or prevent such action.  The amount paid or payable by a party as a result of the
Losses or other liabilities referred to above shall be deemed to include, subject to the limitations set forth in Sections 4.4
and 4.5 above, any legal or other fees, charges or expenses reasonably incurred by such party in connection with any investigation
or proceeding.  No person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities
Act) shall be entitled to contribution pursuant to this Section 4.6 from any person who was not guilty of such fraudulent
misrepresentation. Notwithstanding anything to the contrary herein, in no event shall the liability of any Subscriber be greater
in amount than the dollar amount of the net proceeds received by such Subscriber upon the sale of the Shares giving rise to such
contribution obligation.

 

5.            Termination.
This Subscription Agreement shall terminate and be void and of no further force and effect, and all rights and obligations of the
Parties hereunder shall terminate without any further liability on the part of any Party in respect thereof, upon the earlier to
occur of (i) such date and time as the Transaction Agreement is validly terminated in accordance with its terms and (ii) upon
the mutual written agreement of each of the Parties to terminate this Subscription Agreement; provided, that nothing herein
will relieve any Party from liability for any willful breach hereof prior to the time of termination, and each Party will be entitled
to any remedies at law or in equity to recover losses, liabilities or damages arising from such breach. The Issuer shall promptly
notify Subscriber of the termination of the Transaction Agreement promptly after the termination of such agreement.

 

6.            Miscellaneous.

 

6.1            Further
Assurances. At the Closing, the Parties shall execute and deliver such additional documents and take such additional actions
as the parties reasonably may deem to be practical and necessary in order to consummate the Subscription as contemplated by this
Subscription Agreement.

 

6.1.1            Subscriber
acknowledges that the Cayman Issuer, New Pubco, the Seller Representative, FoA and others will rely on the acknowledgments, understandings,
agreements, representations and warranties made by Subscriber contained in this Subscription Agreement. Prior to the Closing, Subscriber
agrees to promptly notify the Cayman Issuer, New Pubco, the Seller Representative and FoA if any of the acknowledgments, understandings,
agreements, representations and warranties set forth herein are no longer accurate in all material respects.

 

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6.1.2            Each
of the Cayman Issuer, New Pubco, Subscriber, the Seller Representative and FoA is entitled to rely upon this Subscription Agreement
and is irrevocably authorized to produce this Subscription Agreement or a copy hereof to any interested party in any administrative
or legal proceeding or official inquiry with respect to the matters covered hereby.

 

6.1.3            The
Issuer may request from Subscriber such additional information as the Issuer may deem necessary to evaluate the eligibility of
Subscriber to acquire the Shares, and Subscriber shall provide such information as may be reasonably requested, to the extent within
Subscriber’s possession and control or otherwise readily available to Subscriber and to the extent consistent with its internal
policies and procedures; provided that Issuer agrees to keep any such information provided by Subscriber confidential (except as
may be required by applicable law or legal process).

 

6.1.4            Each
Party shall pay all of its own expenses in connection with this Subscription Agreement and the transactions contemplated herein.

 

6.1.5            Each
of Subscriber and the Issuer shall take, or cause to be taken, all actions and do, or cause to be done, all things necessary, proper
or advisable to consummate the transactions contemplated by this Subscription Agreement on the terms and conditions described therein
no later than immediately prior to the consummation of the Transactions.

 

6.2            Notices.
Any notice or communication required or permitted hereunder shall be in writing and either delivered personally, emailed or sent
by overnight mail via a reputable overnight carrier, or sent by certified or registered mail, postage prepaid, and shall be deemed
to be given and received (i) when so delivered personally, (ii) when sent, with no mail undeliverable or other rejection
notice, if sent by email, or (iii) three Business Days after the date of mailing to the address below or to such other address
or addresses as such person may hereafter designate by notice given hereunder:

 

(i)            if
to Subscriber, to such address or addresses set forth on the signature page hereto;

 

(ii)            if
to the Cayman Issuer or New Pubco, to:

 

Replay Acquisition Corp.

 

767 Fifth Avenue, 46th Floor

New York, New York 10153

Attention: Legal and Compliance

Email: info@replayacquisition.com

 

with a required copy (which copy shall not constitute
notice) to:

 

Greenberg Traurig, P.A.

333 SE 2nd Ave., Suite 4400

Miami, FL 33131

Attention: Alan I. Annex, Esq.

Email: annexa@gtlaw.com

 

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(iii)            if
the Seller Representative or FoA, to:

 

c/o UFG Holdings

909 Lake Carolyn Parkway, Suite 1550

Irving, TX 75039

Attention: Lauren Richmond, General Counsel

Email: larichmond@financeofamerica.com

 

with a required copy (which copy shall not constitute
notice) to:

 

Simpson Thacher & Bartlett

425 Lexington Ave

New York, NY 10017

Attn: Elizabeth Cooper

Email: ecooper@stblaw.com

 

6.3            Entire
Agreement. This Subscription Agreement constitutes the entire agreement, and supersedes all other prior agreements, understandings,
representations and warranties, both written and oral, among the parties, with respect to the subject matter hereof, including
any commitment letter entered into relating to the subject matter hereof.

 

6.4            Modifications
and Amendments. This Subscription Agreement may not be amended, modified, supplemented or waived (i) except by an instrument
in writing, signed by the Party against whom enforcement of such amendment, modification, supplement or waiver is sought and (ii) without
the prior written consent of each of the Seller Representative and FoA; provided that any rights (but not obligations) of
a Party under this Subscription Agreement may be waived, in whole or in part, by such Party on its own behalf without the prior
consent of any other Party.

 

6.5            Assignment.
Neither this Subscription Agreement nor any rights, interests or obligations that may accrue to the Parties (including Subscriber’s
rights to purchase the Shares) may be transferred or assigned without the prior written consent of each of the other Parties; provided
that Subscriber’s rights and obligations hereunder may be assigned to any fund or account managed by the same investment
manager as Subscriber, without the prior consent of the Issuer, provided that such assignee(s) agrees in writing to
be bound by the terms hereof, and upon such assignment by a Subscriber, the assignee(s) shall become Subscriber hereunder
and have the rights and obligations and be deemed to make the representations and warrants of Subscriber provided for herein to
the extent of such assignment; provided further that, no assignment shall relieve the assigning Party of any of its obligations
hereunder.

 

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6.6            Benefit.

 

6.6.1            Except
as otherwise provided herein, this Subscription Agreement shall be binding upon, and inure to the benefit of the Parties and their
heirs, executors, administrators, successors, legal representatives, and permitted assigns, and the agreements, representations,
warranties, covenants and acknowledgments contained herein shall be deemed to be made by, and be binding upon, such heirs, executors,
administrators, successors, legal representatives and permitted assigns. This Subscription Agreement shall not confer rights or
remedies upon any person other than the Parties and their respective successors and assigns.

 

6.6.2            Subscriber
acknowledges and agrees that (a) this Subscription Agreement is being entered into in order to induce the Sellers and FoA
to execute and deliver the Transaction Agreement and without the representations, warranties, covenants and agreements of Subscriber
hereunder, the Sellers and FoA would not enter into the Transaction Agreement, (b) each representation, warranty, covenant
and agreement of Subscriber hereunder is being made also for the benefit of the Sellers, FoA and the Placement Agents, and (c) each
Seller that is a party to the Transaction Agreement and FoA may directly enforce (including by an action for specific performance,
injunctive relief or other equitable relief) each of the covenants and agreements of Subscriber under this Subscription Agreement.

 

6.6.3            Each
of the Parties agrees that each Seller that is a party to the Transaction Agreement is a third party beneficiary of this Agreement
and such Sellers may directly enforce (including by an action for specific performance, injunctive relief or other equitable relief)
each of the covenants and agreements of Subscriber under this Agreement, as amended, modified, supplemented or waived in accordance
with Section 6.4. Each of the Parties further agrees that each Placement Agent is a third party beneficiary of the
representations and warranties of Subscriber under this Subscription Agreement.

 

6.7            Governing
Law. This Subscription Agreement, and any claim or cause of action hereunder based upon, arising out of or related to this
Subscription Agreement (whether based on law, in equity, in contract, in tort or any other theory) or the negotiation, execution,
performance or enforcement of this Subscription Agreement, shall be governed by and construed in accordance with the Laws of the
State of Delaware, without giving effect to the principles of conflicts of law thereof.

 

6.8            Consent
to Jurisdiction; Waiver of Jury Trial. Each of the parties irrevocably consents to the exclusive jurisdiction and venue of
the Court of Chancery of the State of Delaware, provided, that if subject matter jurisdiction over the matter that is the
subject of the legal proceeding is vested exclusively in the U.S. federal courts, such legal proceeding shall be heard in the U.S.
District Court for the District of Delaware (together with the Court of Chancery of the State of Delaware “Chosen Courts”),
in connection with any matter based upon or arising out of this Subscription Agreement. Each Party hereby waives, and shall not
assert as a defense in any legal dispute, that (i) such person is not personally subject to the jurisdiction of the Chosen
Courts for any reason, (ii) such legal proceeding may not be brought or is not maintainable in the Chosen Courts, (iii) such
person’s property is exempt or immune from execution, (iv) such legal proceeding is brought in an inconvenient forum
or (v) the venue of such legal proceeding is improper. Each Party hereby consents to service of process in any such proceeding
in any manner permitted by Delaware law, further consents to service of process by nationally recognized overnight courier service
guaranteeing overnight delivery, or by registered or certified mail, return receipt requested, at its address specified pursuant
to Section 6.2 and waives and covenants not to assert or plead any objection which they might otherwise have to such
manner of service of process. Notwithstanding the foregoing in this Section 6.8, a Party may commence any action, claim,
cause of action or suit in a court other than the Chosen Courts solely for the purpose of enforcing an order or judgment issued
by the Chosen Courts. TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW WHICH CANNOT BE WAIVED, EACH OF THE PARTIES WAIVES ANY RIGHT
TO TRIAL BY JURY ON ANY CLAIMS OR COUNTERCLAIMS ASSERTED IN ANY LEGAL DISPUTE RELATING TO THIS SUBSCRIPTION AGREEMENT WHETHER NOW
EXISTING OR HEREAFTER ARISING. IF THE SUBJECT MATTER OF ANY SUCH LEGAL DISPUTE IS ONE IN WHICH THE WAIVER OF JURY TRIAL IS PROHIBITED,
NO PARTY SHALL ASSERT IN SUCH LEGAL DISPUTE A NONCOMPULSORY COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS SUBSCRIPTION AGREEMENT.
FURTHERMORE, NO PARTY SHALL SEEK TO CONSOLIDATE ANY SUCH LEGAL DISPUTE WITH A SEPARATE ACTION OR OTHER LEGAL PROCEEDING IN WHICH
A JURY TRIAL CANNOT BE WAIVED.

 

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6.9            Severability.
Whenever possible, each provision or portion of any provision of this Subscription Agreement shall be interpreted in such manner
as to be effective and valid under applicable Law, but if any provision or portion of any provision of this Agreement is held to
be invalid, illegal or unenforceable in any respect under any applicable Law or rule in any jurisdiction, such invalidity,
illegality or unenforceability shall not affect any other provision or portion of any provision in such jurisdiction, and the Parties
shall work together in good faith to modify the terms and conditions of this Subscription Agreement such that the economic terms
and conditions, when taken in their totality, are substantially the same as the economic terms and conditions of the unmodified
Subscription Agreement, when taken in their totality.

 

6.10          No
Waiver of Rights, Powers and Remedies. No failure or delay by a Party in exercising any right, power or remedy under this Subscription
Agreement, and no course of dealing between the Parties, shall operate as a waiver of any such right, power or remedy of such Party.
No single or partial exercise of any right, power or remedy under this Subscription Agreement by a Party, nor any abandonment or
discontinuance of steps to enforce any such right, power or remedy, shall preclude such Party from any other or further exercise
thereof or the exercise of any other right, power or remedy hereunder. The election of any remedy by a Party shall not constitute
a waiver of the right of such Party to pursue other available remedies. No notice to or demand on a Party not expressly required
under this Subscription Agreement shall entitle the Party receiving such notice or demand to any other or further notice or demand
in similar or other circumstances or constitute a waiver of the rights of the Party giving such notice or demand to any other or
further action in any circumstances without such notice or demand.

 

6.11          Remedies.

 

6.11.1          The
parties agree that irreparable damage would occur if this Subscription Agreement was not performed in accordance with its specific
terms or was otherwise breached and that money damages or other legal remedies would not be an adequate remedy for any such damage.
It is accordingly agreed that the Parties shall be entitled to equitable relief, including in the form of an injunction or injunctions,
to prevent breaches or threatened breaches of this Subscription Agreement and to enforce specifically the terms and provisions
of this Subscription Agreement in an appropriate court of competent jurisdiction as set forth in Section 6.8, this
being in addition to any other remedy to which any Party is entitled at law, in equity, in contract, in tort or otherwise including
money damages.  The right to specific enforcement shall include the right of the Cayman Issuer, the Seller Representative,
New Pubco or FoA to cause Subscriber and the right of the Seller Representative and FoA to cause the Issuer to cause the transactions
contemplated hereby to be consummated on the terms and subject to the conditions and limitations set forth in this Subscription
Agreement. The Parties further agree (i) to waive any requirement for the security or posting of any bond in connection with
any such equitable remedy, (ii) not to assert that a remedy of specific enforcement pursuant to this Section 6.11
is unenforceable, invalid, contrary to applicable law or inequitable for any reason and (iii) to waive any defenses in any
action for specific performance, including the defense that a remedy at law would be adequate.  In connection with any Action
for which the Seller Representative or FoA is being granted an award of money damages, each of the Cayman Issuer, New Pubco and
Subscriber agrees that such damages, to the extent payable by such Party, shall include, without limitation, damages related to
the cash consideration that is or was to be paid to the Sellers under the Transaction Agreement and/or this Subscription Agreement
and such damages are not limited to an award of out-of-pocket fees and expenses related to the Transaction Agreement and Subscription
Agreement.

 

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6.11.2          The
parties acknowledge and agree that this Section 6.11 is an integral part of the transactions contemplated hereby and
without that right, the Parties would not have entered into this Subscription Agreement.

 

6.11.3          If
the Closing does not occur prior to the consummation of the Transactions due to a breach by Subscriber of any of its obligations
hereunder, then the Seller Representative shall have the right (exercisable by written notice to Subscriber (the “Demand
Notice”) on or before the date that is 30 days after the consummation of the Transactions and as a non-exclusive remedy
for any such breach and in addition to and without in any limiting or amending the provisions of Section 6.11.1) to
cause Subscriber to purchase from Seller Representative for the account of the Sellers (or its assignee(s) or designee(s),
including the Sellers) all or a portion of the number of Shares that Subscriber failed to purchase at the Closing (the “Subject
Shares”) for a purchase price of $10 per Subject Share. The consummation of such purchase and sale shall take place on
a date fixed by the Seller Representative in the Demand Notice, which date shall be not sooner than 10 Business Days after the
date of Subscriber’s receipt of the Demand Notice. Seller Representative shall be entitled to receive customary representations
and warranties from Subscriber regarding such purchase and sale, and Subscriber agrees to execute and deliver all customary purchase
documentation, and to engage in all other acts incident to such transaction (including making government filings and obtaining
all government approvals and consents that are required to be made or obtained prior to such purchase and sale), as Seller Representative
may reasonably request.

 

6.11.4          In
any dispute arising out of or related to this Subscription Agreement, or any other agreement, document, instrument or certificate
contemplated hereby, or any transactions contemplated hereby or thereby, the applicable adjudicating body shall award to the prevailing
Party, if any, the reasonable and documented out-of-pocket costs and attorneys’ fees reasonably incurred by the prevailing
Party in connection with the dispute and the enforcement of its rights under this Subscription Agreement or any other agreement,
document, instrument or certificate contemplated hereby and, if the adjudicating body determines a Party to be the prevailing Party
under circumstances where the prevailing Party won on some but not all of the claims and counterclaims, the adjudicating body may
award the prevailing Party an appropriate percentage of the costs and attorneys’ fees reasonably incurred by the prevailing
Party in connection with the adjudication and the enforcement of its rights under this Subscription Agreement or any other agreement,
document, instrument or certificate contemplated hereby or thereby.

 

6.12          Survival
of Representations and Warranties. All representations and warranties made by the Parties shall survive the Closing. For the
avoidance of doubt, if for any reason the Closing does not occur prior to the consummation of the Transactions, all representations,
warranties, covenants and agreements of the Parties shall survive the consummation of the Transactions and remain in full force
and effect.

 

6.13          No
Broker or Finder. Each of the Issuer and Subscriber agrees to indemnify and hold the other Parties harmless from any claim
or demand for commission or other compensation by any broker, finder, financial consultant or similar agent claiming to have been
employed by or on behalf of such Party and to bear the cost of legal expenses incurred in defending against any such claim.

 

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6.14          Headings
and Captions. The headings and captions of the various subdivisions of this Subscription Agreement are for convenience of reference
only and shall in no way modify or affect the meaning or construction of any of the terms or provisions hereof.

 

6.15          Counterparts.
This Subscription Agreement may be executed in one or more counterparts, all of which when taken together shall be considered one
and the same agreement and shall become effective when counterparts have been signed by each Party and delivered to the other parties,
it being understood that the parties need not sign the same counterpart. In the event that any signature is delivered by facsimile
transmission or any other form of electronic delivery, such signature shall create a valid and binding obligation of the Party
executing (or on whose behalf such signature is executed) with the same force and effect as if such signature page were an
original thereof.

 

6.16          Construction.
The words “include,” “includes,” and “including” will be deemed to be
followed by “without limitation.” Pronouns in masculine, feminine, and neuter genders will be construed to include
any other gender, and words in the singular form will be construed to include the plural and vice versa, unless the context otherwise
requires. The words “this Subscription Agreement,” “herein,” “hereof,”
 “hereby,” “hereunder,” and words of similar import refer to this Subscription Agreement as
a whole and not to any particular subdivision unless expressly so limited. The word “or” is not exclusive. The Parties
intend that each representation, warranty, and covenant contained herein will have independent significance. If any Party has breached
any representation, warranty, or covenant contained herein in any respect, the fact that there exists another representation, warranty
or covenant relating to the same subject matter (regardless of the relative levels of specificity) which such Party has not breached
will not detract from or mitigate the fact that such Party is in breach of the first representation, warranty, or covenant. All
references in this Subscription Agreement to numbers of shares, per share amounts and purchase prices shall be appropriately adjusted
to reflect any stock split, stock dividend, stock combination, recapitalization or the like occurring after the date hereof.

 

6.17          Mutual
Drafting. This Subscription Agreement is the joint product of the Parties and each provision hereof has been subject to the
mutual consultation, negotiation and agreement of the parties and shall not be construed for or against any Party.

 

    Page 24 of 31

     

    

 

7.            Cleansing
Statement; Disclosure.

 

7.1            The
Cayman Issuer shall, by 9:00 a.m., New York City time, on or prior to the third Business Day immediately following the date of
this Subscription Agreement, issue one or more press releases or file with the Commission a Current Report on Form 8-K disclosing
all material terms of the transactions contemplated hereby, including the Transactions and by the Other Subscription Agreements
(collectively, the “Disclosure Document”). From and after the issuance of the Disclosure Document, to the Issuer’s
knowledge, Subscriber shall not be in possession of any material, non-public information received from the Issuer or any of its
officers, directors or employees, and the Subscriber shall no longer be subject to any confidentiality or similar obligations under
any current agreement, whether written or oral with Issuer or any of its affiliates, in each case relating to the transactions
contemplated by this Subscription Agreement.

 

7.2            Subscriber
hereby consents to the publication and disclosure in (x) any Form 8-K filed by the Cayman Issuer with the Commission
in connection with the execution and delivery of the Transaction Agreement, the Proxy Statement or any other filing with the Commission
pursuant to applicable securities laws, in each case, as and to the extent required by the federal securities laws or the Commission
or any other securities authorities, and (y) any other documents or communications provided by the Cayman Issuer, New Pubco,
Seller Representative or FoA to any Governmental Authority or to securityholders of the Issuer, in each case, as and to the extent
required by applicable law or the Commission or any other Governmental Authority, of Subscriber’s name and identity and the
nature of Subscriber’s commitments, arrangements and understandings under and relating to this Subscription Agreement and,
if deemed required or appropriate by the Cayman Issuer, New Pubco, Seller Representative or FoA, a copy of this Subscription Agreement.
Other than as set forth in the immediately preceding sentence, without Subscriber’s prior written consent, each of the Cayman
Issuer, New Pubco, Seller Representative or FoA will not use or disclose the name of Subscriber or any information relating to
Subscriber or this Subscription Agreement, other than to the Issuer’s, Seller Representative’ or FoA’s lawyers,
independent accountants and to other advisors and service providers who reasonably require such information in connection with
the provision of services to such person, are advised of the confidential nature of such information and are obligated to keep
such information confidential. Subscriber will promptly provide any information reasonably requested by the Cayman Issuer, New
Pubco, Seller Representative or FoA for any regulatory application or filing made or approval sought in connection with the Transactions
(including filings with the Commission).

 

    Page 25 of 31

     

    

 

8.            Trust
Account Waiver. Each of Seller Representative, FoA and Subscriber acknowledges that the Issuer has established a trust account
containing the proceeds of its initial public offering and from certain private placements (collectively, with interest accrued
from time to time thereon, the “Trust Account”). Each of Seller Representative, FoA and Subscriber agrees that
(i) it has no right, title, interest or claim of any kind in or to any monies held in the Trust Account, and (ii) it
shall have no right of set-off or any right, title, interest or claim of any kind (“Claim”) to, or to any monies
in, the Trust Account, in each case in connection with this Subscription Agreement, and hereby irrevocably waives any Claim to,
or to any monies in, the Trust Account that it may have in connection with this Subscription Agreement; provided, however,
that nothing in this Section 8 shall be deemed to limit Subscriber’s right, title, interest or claim to the Trust
Account by virtue of such Subscriber’s record or beneficial ownership of securities of the Issuer acquired by any means other
than pursuant to this Subscription Agreement, including, but not limited to, any redemption right with respect to any such securities
of the Issuer. In the event Seller Representative, FoA or Subscriber has any Claim against the Issuer under this Subscription Agreement,
each of Seller Representative, FoA or Subscriber shall pursue such Claim solely against the Issuer and its assets outside the Trust
Account and not against the property or any monies in the Trust Account. Each of Seller Representative, FoA and Subscriber agrees
and acknowledges that such waiver is material to this Subscription Agreement and has been specifically relied upon by the Issuer
to induce the Issuer to enter into this Subscription Agreement and each of Seller Representative, FoA and Subscriber further intends
and understands such waiver to be valid, binding and enforceable under applicable law. In the event Seller Representative, FoA
or Subscriber, in connection with this Subscription Agreement, commences any action or proceeding which seeks, in whole or in part,
relief against the funds held in the Trust Account or distributions therefrom or any of the Issuer’s stockholders, whether
in the form of monetary damages or injunctive relief, Seller Representative, FoA or Subscriber, as applicable, shall be obligated
to pay to the Issuer all of its legal fees and costs in connection with any such action in the event that the Issuer prevails in
such action or proceeding.

 

9.            [Waiver
of Sovereign Immunity. With respect to the liability of Subscriber to perform its obligations under this Subscription Agreement,
with respect to itself or its property, Subscriber:

 

9.1            agrees
that, for purposes of the doctrine of sovereign immunity, the execution, delivery and performance by it of this Subscription Agreement
constitutes private and commercial acts done for private and commercial purposes;

 

9.2            agrees
that, should any proceedings be brought against it or its assets in any jurisdiction in relation to this Subscription Agreement
or any transaction contemplated by this Subscription Agreement in accordance with the terms hereof, Subscriber is not entitled
to any immunity on the basis of sovereignty in respect of its obligations under this Subscription Agreement, and no immunity from
such proceedings (including, without limitation, immunity from service of process from suit, from the jurisdiction of any court,
from an order or injunction of such court or the enforcement of same against its assets) shall be claimed by or on behalf of such
Party or with respect to its assets;

 

    Page 26 of 31

     

    

 

9.3            waives,
in any such proceedings, to the fullest extent permitted by law, any right of immunity which it or any of its assets now has or
may acquire in the future in any jurisdiction;

 

9.4            subject
to the terms and conditions hereof, consents generally in respect of the enforcement of any judgment or award against it in any
such proceedings to the giving of any relief or the issue of any process in any jurisdiction in connection with such proceedings
(including, without limitation, pre-judgment attachment, post judgment attachment, the making, enforcement or execution against
or in respect of any assets whatsoever irrespective of their use or intended use of any order or judgment that may be made or given
in connection therewith); and

 

9.5            specifies
that, for the purposes of this provision, “assets” shall be taken as excluding “premises of the mission”
as defined in the Vienna Convention on Diplomatic Relations signed at Vienna, April 18, 1961, “consular premises”
as defined in the Vienna Convention on Consular Relations signed in 1963, and military property or military assets or property
of the Investor.] 1

 

10.            Non-Reliance.
Subscriber acknowledges that it is not relying upon, and has not relied upon, any statement, representation or warranty made by
any person, firm or corporation (including, without limitation, Seller Representative, FoA, any of their respective affiliates
or any of its or their respective control persons, officers, directors or employees), other than the representations and warranties
of the Issuer expressly set forth in this Subscription Agreement, in making its investment or decision to invest in the Issuer.
Subscriber agrees that neither (i) any other Subscriber pursuant to this Subscription Agreement or any other agreement related
to the private placement of shares of the Issuer’s capital stock (including the controlling persons, officers, directors,
partners, agents or employees of any such Subscriber) nor (ii) Seller Representative or FoA, their respective affiliates or
any of their or their respective affiliates’ control persons, officers, directors, partners, agents or employees, shall be
liable to any other Subscriber pursuant to this Subscription Agreement or any other agreement related to the private placement
of shares of the Issuer’s capital stock for any action heretofore or hereafter taken or omitted to be taken by any of them
in connection with the purchase of the Shares hereunder.

 

[Signature Page Follows]

 

 

1 Note to Draft: To be included for all sovereign
wealth or similar investors.

 

    Page 27 of 31

     

    

 

FINAL
FORM

 

IN WITNESS WHEREOF, each of the Cayman
Issuer, New Pubco, Seller Representative, FoA and Subscriber has executed or caused this Subscription Agreement to be executed
by its duly authorized representative as of the date set forth below.

 

	 	REPLAY
    ACQUISITION CORP.
	 	 
	 	By:	          
	 	Name:
	 	Title:
	 	 
	 	FINANCE
    OF AMERICA COMPANIES INC.
	 	 
	 	By:	          
	 	Name:
	 	Title:
	 	 
	 	LIBMAN
    FAMILY HOLDINGS LLC
	 	(as
    the joint Seller Representative)
	 	 
	 	By:	          
	 	Name:
	 	Title:
	 	 
	 	BTO
    URBAN HOLDINGS L.L.C.
	 	(as
    the joint Seller Representative)
	 	 
	 	By:	          
	 	Name:
	 	Title:
	 	 
	 	FINANCE
    OF AMERICA EQUITY CAPITAL LLC
	 	 
	 	By:	         
	 	Name:
	 	Title:

 

     

     

    

 

Accepted
and agreed this 12th day of October, 2020.    

 

	SUBSCRIBER:	 	 
	 	 	 
	Signature of Subscriber:	 	Signature of Joint Subscriber, if applicable:
	 	 	 
	By:	           	 	By:	                  
	Name:	 	Name:
	Title:	 	Title:
	 	 	 
	Date:     October 12, 2020	 	 
	 	 	 
	Name of Subscriber:	 	Name of Joint Subscriber, if applicable:
	 	 	
	 	 	 
	(Please print. Please indicate name and capacity of person
    signing above)	 	(Please Print. Please indicate name and capacity of person
    signing above)
	 	 	 
	 	 	 
	Name in which securities are to be registered (if different from
    the name of Subscriber listed directly above):	 	 
	 	 	 
	Email Address:	 	 

 

	If there are joint investors, please check one:	 	 
	 	 	 
	 ̈ Joint
    Tenants with Rights of Survivorship	 	 
	 	 	 
	 ̈
    Tenants-in-Common	 	 
	 	 	 
	 ̈
    Community Property	 	 

 

	Subscriber’s EIN:	 	 	Joint Subscriber’s EIN:	
	 	 	 	 	 
	Business Address-Street:	 	Mailing Address-Street (if different):
	 	 	 
	 	 	 
	 	 	 
	City, State, Zip:	 	City, State, Zip:
	Attn:	 	Attn:

 

	Telephone No.:		 	Telephone No.:	

 

	Facsimile No.:		 	Facsimile No.:	
	 	 	 
	Aggregate Number of Shares subscribed for:	 	 
	 	 	 

 

	Aggregate Purchase Price: $	 	.	 	 

 

You
must pay the Purchase Price by wire transfer of U.S. dollars in immediately available funds, to be held in escrow until the Closing,
to the account specified by the Issuer in the Closing Notice.

 

     

     

    

 

SCHEDULE I

ELIGIBILITY REPRESENTATIONS OF SUBSCRIBER

 

		A.	QUALIFIED INSTITUTIONAL BUYER STATUS

(Please check the applicable subparagraphs):

 

		1.	 ̈ 
                                                              We are a “qualified institutional buyer” (as defined in Rule 144A under the Securities Act of 1933, as
                                                              amended (the “Securities Act”) (a “QIB”)).

 

		2.	 ̈ 
                                                              We are subscribing for the Shares as a fiduciary or agent for one or more investor accounts, and each owner of such account
                                                              is a QIB.

 

*** OR ***

 

		B.	INSTITUTIONAL ACCREDITED INVESTOR STATUS (Please check the applicable subparagraphs):

 

		1.	 ̈ 
                                                              We are an “accredited investor” (within the meaning of Rule 501(a) under the Securities Act) or an
                                                              entity in which all of the equity holders are accredited investors within the meaning of Rule 501(a) under the
                                                              Securities Act, and have marked and initialed the appropriate box on the following page indicating the provision under
                                                              which we qualify as an “accredited investor.”

 

		2.	 ̈ 
                                                              We are not a natural person.

 

*** AND ***

 

		C.	AFFILIATE STATUS

(Please check the applicable box) SUBSCRIBER:

 

		 ̈ 	is:

 

		 ̈ 	is not:

 

an “affiliate” (as
defined in Rule 144 under the Securities Act) of the Issuer or acting on behalf of an affiliate of the Issuer.

 

This page should be completed
by Subscriber

and constitutes a part of the Subscription Agreement.

 

     

     

    

 

Rule 501(a) under the Securities
Act, in relevant part, states that an “accredited investor” shall mean any person who comes within any of the below
listed categories, or who the issuer reasonably believes comes within any of the below listed categories, at the time of the sale
of the securities to that person. Subscriber has indicated, by marking and initialing the appropriate box below, the provision(s) below
which apply to Subscriber and under which Subscriber accordingly qualifies as an “accredited investor.”

 

 ̈ 
Any bank as defined in section 3(a)(2) of the Securities Act, or any savings and loan association or other institution
as defined in section 3(a)(5)(A) of the Securities Act whether acting in its individual or fiduciary capacity;

 

 ̈ 
Any broker or dealer registered pursuant to section 15 of the Securities Exchange Act of 1934, as amended;

 

 ̈ 
Any insurance company as defined in section 2(a)(13) of the Securities Act;

 

 ̈ 
Any investment company registered under the Investment Company Act of 1940, as amended (the “Investment Company
Act”) or a business development company as defined in section 2(a)(48) of the Investment Company Act;

 

 ̈ 
Any Small Business Investment Company licensed by the U.S. Small Business Administration under section 301(c) or
(d) of the Small Business Investment Act of 1958, as amended;

 

 ̈ Any
plan established and maintained by a state, its political subdivisions, or any agency or instrumentality of a state or its political
subdivisions, for the benefit of its employees, if such plan has total assets in excess of $5,000,000;

 

 ̈ 
Any employee benefit plan within the meaning of the Employee Retirement Income Security Act of 1974, as amended
(“ERISA”), if (i) the investment decision is made by a plan fiduciary, as defined in section 3(21) of
ERISA, which is either a bank, a savings and loan association, an insurance company, or a registered investment adviser,
(ii) the employee benefit plan has total assets in excess of $5,000,000 or, (iii) such plan is a self-directed
plan, with investment decisions made solely by persons that are “accredited investors”;

 

 ̈ 
Any private business development company as defined in section 202(a)(22) of the Investment Advisers Act of 1940, as
amended;

 

 ̈ 
Any (i) corporation, limited liability company or partnership, (ii) Massachusetts or similar business trust, or
(iii) organization described in section 501(c)(3) of the Internal Revenue Code of 1986, as amended, not formed for
the specific purpose of acquiring the securities offered, and with total assets in excess of $5,000,000;

 

 ̈ 
Any director, executive officer, or general partner of the issuer of the securities being offered or sold, or any director,
executive officer, or general partner of a general partner of that issuer;

 

 ̈ 
Any natural person whose individual net worth, or joint net worth with that person’s spouse, exceeds $1,000,000. For
purposes of calculating a natural person’s net worth: (a) the person’s primary residence shall not be
included as an asset; (b) indebtedness that is secured by the person’s primary residence, up to the estimated fair
market value of the primary residence at the time of the sale of securities, shall not be included as a liability (except
that if the amount of such indebtedness outstanding at the time of sale of securities exceeds the amount outstanding 60 days
before such time, other than as a result of the acquisition of the primary residence, the amount of such excess shall be
included as a liability); and (c) indebtedness that is secured by the person’s primary residence in excess of the
estimated fair market value of the primary residence at the time of the sale of securities shall be included as a
liability;

 

 ̈ 
Any natural person who had an individual income in excess of $200,000 in each of the two most recent years or joint income
with that person’s spouse in excess of $300,000 in each of those years and has a reasonable expectation of reaching the
same income level in the current year;

 

 ̈ 
Any trust, with total assets in excess of $5,000,000, not formed for the specific purpose of acquiring the securities
offered, whose purchase is directed by a sophisticated person as described in Section 230.506(b)(2)(ii) of
Regulation D; or

 

 ̈ 
Any entity in which all of the equity owners are “accredited investors.”

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