Document:

Exhibit 10.4

 

MONEYLION INC.

2021 EMPLOYEE STOCK PURCHASE PLAN

 

ARTICLE I.

PURPOSE

 

The purposes of this MoneyLion Inc. 2021 Employee
Stock Purchase Plan (as it may be amended or restated from time to time, the “Plan”) are to assist Eligible
Employees of MoneyLion Inc., a Delaware corporation (the “Company”) and its Designated Subsidiaries in acquiring
a stock ownership interest in the Company and to help Eligible Employees provide for their future security and to encourage them to remain
in the employment of the Company and its Designated Subsidiaries. The Plan has two components: (a) one component (the “423
Component”) is intended to qualify as an “employee stock purchase plan” within the meaning of Section 423(b) of
the Code, and the Plan will be interpreted in a manner that is consistent with that intent, and (b) the other component (the “Non-423
Component”), which is not intended to qualify as an “employee stock purchase plan” within the meaning of Section
423(b) of the Code, authorizes the grant of rights to purchase Common Stock pursuant to rules, procedures or sub-plans adopted by the
Administrator that are designed to achieve tax, securities laws or other objectives for Eligible Employees. Except as otherwise provided
herein, the Non-423 Component will operate and be administered in the same manner as the 423 Component.

 

ARTICLE II.

DEFINITIONS AND CONSTRUCTION

 

Wherever the following terms are used in the Plan,
they shall have the meanings specified below, unless the context clearly indicates otherwise. The singular pronoun shall include the plural
where the context so indicates. Masculine, feminine and neuter pronouns are used interchangeably and each comprehends the others.

 

2.1
“Administrator” shall mean the entity that conducts the general administration of the Plan as provided in Article XI.
The term “Administrator” shall refer to the Committee (as defined below) unless the Board has assumed the authority for administration
of the Plan as provided in Article XI.

 

2.2
“Applicable Law” means any applicable law, including the requirements relating to the administration of equity-based
awards under U.S. state corporate laws, U.S. federal and state securities laws, the Code, any stock exchange or quotation system on which
the Common Stock is listed or quoted and the applicable laws of any foreign country or jurisdiction where rights are, or will be, granted
under the Plan.

 

2.3
“Board” shall mean the Board of Directors of the Company.

 

2.4
“Code” shall mean the Internal Revenue Code of 1986, as amended, and the regulations issued thereunder.

 

2.5
“Common Stock” shall mean the Class A common stock of the Company, par value $0.0001 per share.

 

2.6
“Company” shall mean MoneyLion Inc., a Delaware corporation.

 

2.7
“Compensation” of an Eligible Employee shall mean the gross base compensation received by such Eligible Employee
as compensation for services to the Company or any Designated Subsidiary, including prior week adjustment and overtime payments but excluding
vacation pay, holiday pay, jury duty pay, funeral leave pay, military leave pay, commissions, incentive compensation, payments made under
any bonus program, one-time bonuses (e.g., retention or sign on bonuses), education or tuition reimbursements, travel expenses, business
and moving reimbursements, income received in connection with any stock options, stock appreciation rights, restricted stock, restricted
stock units or other compensatory equity awards, fringe benefits, other special payments and all contributions made by the Company or
any Designated Subsidiary for the Employee’s benefit under any employee benefit plan now or hereafter established.

 

     

     

    

 

2.8
“Designated Subsidiary” shall mean any Subsidiary or affiliate of the Company designated by the Administrator
in accordance with Section 11.3(b). For purposes of the 423 Component, only the Company’s Subsidiaries may be Designated Subsidiaries;
provided, however, that at any given time, a Subsidiary that is a Designated Subsidiary under the 423 Component will not
be a Designated Subsidiary under the Non-423 Component.

 

2.9
“Effective Date” shall mean the date on which the Plan is adopted by the Board and approved by
the shareholders of the Company.

 

2.10
“Eligible Employee” shall mean an Employee who does not, immediately after any rights under the Plan are granted,
own (directly or through attribution) stock possessing 5% or more of the total combined voting power or value of all classes of common
stock of the Company and other stock of the Company, a Parent or a Subsidiary (as determined under Section 423(b)(3) of the
Code). For purposes of the foregoing sentence, the rules of Section 424(d) of the Code with regard to the attribution of
stock ownership shall apply in determining the stock ownership of an individual, and stock that an Employee may purchase under outstanding
options shall be treated as stock owned by the Employee; provided, however, that the Administrator may provide in an Offering
Document that an Employee shall not be eligible to participate in an Offering Period if: (i) such Employee is a highly compensated
employee within the meaning of Section 423(b)(4)(D) of the Code, (ii) such Employee has not met a service requirement designated
by the Administrator pursuant to Section 423(b)(4)(A) of the Code (which service requirement may not exceed two years), (iii) such
Employee’s customary employment is for twenty hours or less per week, (iv) such Employee’s customary employment is for
less than five months in any calendar year and/or (v) such Employee is a citizen or resident of a foreign jurisdiction and the grant
of a right to purchase Common Stock under the Plan to such Employee would be prohibited under the laws of such foreign jurisdiction, as
determined by the Administrator in its sole discretion; provided, further, that any exclusion in clauses (i), (ii), (iii),
(iv) or (v) shall be applied in an identical manner under each Offering Period to all Employees, in accordance with Treasury
Regulation Section 1.423-2(e).

 

2.11
“Employee” shall mean any officer or other employee (as defined in accordance with Section 3401(c) of
the Code) of the Company or any Designated Subsidiary. “Employee” shall not include any director of the Company or a Designated
Subsidiary who does not render services to the Company or a Designated Subsidiary as an employee within the meaning of Section 3401(c) of
the Code. For purposes of the Plan, the employment relationship shall be treated as continuing intact while the individual is on sick
leave or other leave of absence approved by the Company or Designated Subsidiary and meeting the requirements of Treasury Regulation Section 1.421-1(h)(2).
Where the period of leave exceeds three months and the individual’s right to reemployment is not guaranteed either by statute or
by contract, the employment relationship shall be deemed to have terminated on the first day immediately following such three-month period.

 

2.12
“Enrollment Date” shall mean, with respect to an Offering Period, the first Trading Day of such Offering Period.

 

2.13
“Exchange Act” shall mean the Securities Exchange Act of 1934, as amended from time to time.

 

2.14
“Fair Market Value” shall mean, as of any date, the value of a Share determined as follows: (i) if the
Common Stock is listed on any established stock exchange, national market system or quoted or traded on any automated quotation system,
including without limitation the New York Stock Exchange, its Fair Market Value will be the closing sales price for a Share (or the closing
bid, if no sales were reported) as quoted on such exchange or system on the Trading Day immediately preceding the date of determination,
as reported in The Wall Street Journal or such other source as the Administrator deems reliable; (ii) if the Common Stock
is not listed on an established stock exchange, national market system or automated quotation system, but the Common Stock is regularly
quoted by a recognized securities dealer, the Fair Market Value of a Share will be the mean of the high bid and low asked prices for such
date or, if no high bids and low asks were reported on such date, the high bid and low asked prices for a Share on the last preceding
date such bids and asks were reported, as reported in The Wall Street Journal or such other source as the Administrator deems reliable;
or (iii) in the absence of an established market for the Common Stock, the Fair Market Value will be determined in good faith by
the Administrator.

 

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2.15
“Offering Document” shall have the meaning given to such term in Section 4.1.

 

2.16
“Offering Period” shall have the meaning given to such term in Section 4.1.

 

2.17
“Parent” shall mean any corporation, other than the Company, in an unbroken chain of corporations ending with
the Company if, at the time of the determination, each of the corporations other than the Company owns stock possessing 50% or more of
the total combined voting power of all classes of stock in one of the other corporations in such chain.

 

2.18
“Participant” shall mean any Eligible Employee who has executed a subscription agreement and been granted rights
to purchase Common Stock pursuant to the Plan.

 

2.19
“Person” shall mean any “person” or related “group” of “persons” (as such
terms are used in Sections 13(d) and 14(d)(2) of the Exchange Act).

 

2.20
“Plan” shall mean this MoneyLion Inc. 2021 Employee Stock Purchase Plan, as it may be amended from time to time.

 

2.21
“Purchase Date” shall mean the last Trading Day of each Purchase Period.

 

2.22
“Purchase Period” shall refer to one or more periods within an Offering Period, as designated in the applicable
Offering Document; provided, however, that, in the event no purchase period is designated by the Administrator in the applicable
Offering Document, the purchase period for each Offering Period covered by such Offering Document shall be the same as the applicable
Offering Period.

 

2.23
“Purchase Price” shall mean the purchase price designated by the Administrator in the applicable Offering Document
(which purchase price shall not be less than 85% of the Fair Market Value of a Share on the Enrollment Date or on the Purchase Date, whichever
is lower); provided, however, that, in the event no purchase price is designated by the Administrator in the applicable
Offering Document, the purchase price for the Offering Periods covered by such Offering Document shall be 85% of the Fair Market Value
of a Share on the Enrollment Date or on the Purchase Date, whichever is lower; provided, further, that the Purchase Price
may be adjusted by the Administrator pursuant to Article VIII and shall not be less than the par value of a Share.

 

2.24
“Securities Act” shall mean the Securities Act of 1933, as amended.

 

2.25
“Share” shall mean a share of Common Stock.

 

2.26
“Subsidiary” shall mean any corporation, other than the Company, in an unbroken chain of corporations beginning
with the Company if, at the time of the determination, each of the corporations other than the last corporation in an unbroken chain owns
stock possessing 50% or more of the total combined voting power of all classes of stock in one of the other corporations in such chain;
provided, however, that a limited liability company or partnership may be treated as a Subsidiary to the extent either (a) such
entity is treated as a disregarded entity under Treasury Regulation Section 301.7701-3(a) by reason of the Company or any other
Subsidiary that is a corporation being the sole owner of such entity, or (b) such entity elects to be classified as a corporation
under Treasury Regulation Section 301.7701-3(a) and such entity would otherwise qualify as a Subsidiary.

 

2.27
“Trading Day” shall mean a day on which national stock exchanges in the United States are open for trading.

 

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ARTICLE III.

SHARES SUBJECT TO THE PLAN

 

3.1
Number of Shares. Subject to Article VIII, the aggregate number of Shares that may be issued pursuant to rights granted under
the Plan shall be 3,936,035. In addition to the foregoing, subject to Article VIII, during the term of the Plan, commencing on January
1, 2022 and ending on (and including), January 1, 2032, the number of Shares available for issuance under the Plan shall be increased
by that number of Shares equal to the least of (a) 3,936,035 Shares (subject to any adjustment pursuant to Article VIII), (b) 1.5%
of the outstanding shares of all classes of the Company’s common stock on the final day of the immediately preceding calendar year
or (c) such smaller number of Shares as determined by the Board. If any right granted under the Plan shall for any reason terminate
without having been exercised, the Common Stock not purchased under such right shall again become available for issuance under the Plan.

 

3.2
Stock Distributed. Any Common Stock distributed pursuant to the Plan may consist, in whole or in part, of authorized and unissued
Common Stock, treasury stock or Common Stock purchased on the open market.

 

ARTICLE IV.

OFFERING PERIODS; OFFERING DOCUMENTS; PURCHASE DATES

 

4.1
Offering Periods. The Administrator may, from time to time, grant or provide for the grant of rights to purchase Common Stock under
the 423 Component or the Non-423 Component of the Plan to Eligible Employees during one or more periods (each, an “Offering
Period”) selected by the Administrator. The terms and conditions applicable to each Offering Period shall be set forth in
an “Offering Document” adopted by the Administrator, which Offering Document shall be in such form and shall
contain such terms and conditions as the Administrator shall deem appropriate and shall be incorporated by reference into and made part
of the Plan and shall be attached hereto as part of the Plan. The provisions of separate Offering Periods under the Plan need not be identical.

 

4.2
Offering Documents. Each Offering Document with respect to an Offering Period shall specify (through incorporation of the provisions
of the Plan by reference or otherwise):

 

(a)
the length of the Offering Period, which period shall not exceed twenty-seven months;

 

(b)
the maximum number of Shares that may be purchased by any Eligible Employee during such Offering Period; and

 

(c)
such other provisions as the Administrator determines are appropriate, subject to the Plan.

 

ARTICLE V.

ELIGIBILITY AND PARTICIPATION

 

5.1
Eligibility. Any Eligible Employee who shall be employed by the Company or a Designated Subsidiary on a given Enrollment Date for
an Offering Period shall be eligible to participate in the Plan during such Offering Period, subject to the requirements of this Article V
and the limitations imposed by Section 423(b) of the Code.

 

5.2
Enrollment in Plan.

 

(a)
Except as otherwise set forth in an Offering Document or determined by the Administrator, an Eligible Employee may become a Participant
in the Plan for an Offering Period by delivering a subscription agreement to the Company by such time prior to the Enrollment Date for
such Offering Period (or such other date specified in the Offering Document) designated by the Administrator and in such form (which may
be electronic) as the Company provides.

 

(b)
Each subscription agreement shall designate a whole percentage of such Eligible Employee’s Compensation to be withheld by the Company
or the Designated Subsidiary employing such Eligible Employee on each payday during the Offering Period as payroll deductions under the
Plan. The designated percentage may not be less than 1% and may not be more than the maximum percentage specified by the Administrator
in the applicable Offering Document (which percentage shall be 15% in the absence of any such designation) as payroll deductions. The
payroll deductions made for each Participant shall be credited to an account for such Participant under the Plan and shall be deposited
with the general funds of the Company.

 

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(c)
A Participant may decrease the percentage of Compensation designated in his or her subscription agreement, subject to the limits of this
Section 5.2, or may suspend his or her payroll deductions, at any time during an Offering Period; provided, however,
that the Administrator may limit the number of changes a Participant may make to his or her payroll deduction elections during each Offering
Period in the applicable Offering Document (and in the absence of any specific designation by the Administrator, a Participant shall be
allowed one decrease (and no increases) to his or her payroll deduction elections during each Offering Period). Any such change or suspension
of payroll deductions shall be effective with the first full payroll period following five business days after the Company’s receipt
of the new subscription agreement (or such shorter or longer period as may be specified by the Administrator in the applicable Offering
Document).  In the event a Participant suspends his or her payroll deductions, such Participant’s cumulative payroll deductions
prior to the suspension shall remain in his or her account and shall be applied to the purchase of Shares on the next occurring Purchase
Date and shall not be paid to such Participant unless he or she withdraws from participation in the Plan pursuant to Article VII.

 

(d)
Except as otherwise set forth in an Offering Document or determined by the Administrator, a Participant may participate in the Plan only
by means of payroll deduction and may not make contributions by lump sum payment for any Offering Period.

 

5.3
Payroll Deductions. Except as otherwise provided in the applicable Offering Document, payroll deductions for a Participant shall
commence on the first payroll following the Enrollment Date and shall end on the last payroll in the Offering Period to which the Participant’s
authorization is applicable, unless sooner terminated by the Participant as provided in Article VII or suspended by the Participant
or the Administrator as provided in Section 5.2 and Section 5.6, respectively.

 

5.4
Effect of Enrollment. A Participant’s completion of a subscription agreement will enroll such Participant in the Plan for
each subsequent Offering Period on the terms contained therein until the Participant either submits a new subscription agreement, withdraws
from participation under the Plan as provided in Article VII or otherwise becomes ineligible to participate in the Plan.

 

5.5
Limitation on Purchase of Common Stock. An Eligible Employee may not be granted rights under the 423 Component of the Plan if such
rights, together with any other rights granted to such Eligible Employee under “employee stock purchase plans” of the Company,
any Parent or any Subsidiary, as specified by Section 423(b)(8) of the Code, permit such employee’s rights to purchase
stock of the Company or any Parent or Subsidiary to accrue at a rate that exceeds $25,000 of the fair market value of such stock (determined
as of the first day of the Offering Period during which such rights are granted) for each calendar year in which such rights are outstanding
at any time. This limitation shall be applied in accordance with Section 423(b)(8) of the Code.

 

5.6
Decrease or Suspension of Payroll Deductions. Notwithstanding the foregoing, to the extent necessary to comply with Section 423(b)(8) of
the Code and Section 5.5 or the other limitations set forth in the Plan, a Participant’s payroll deductions may be suspended
by the Administrator at any time during an Offering Period. The balance of the amount credited to the account of each Participant that
has not been applied to the purchase of Shares by reason of Section 423(b)(8) of the Code, Section 5.5 or the other limitations
set forth in the Plan shall be paid to such Participant in one lump sum in cash as soon as reasonably practicable after the Purchase Date.

 

5.7
Foreign Employees. In order to facilitate participation in the Plan, the Administrator may provide for such special terms applicable
to Participants who are citizens or residents of a foreign jurisdiction, or who are employed by a Designated Subsidiary outside of the
United States, as the Administrator may consider necessary or appropriate to accommodate differences in local law, tax policy or custom,
including through participation in an Offering Period under the Non-423 Component of the Plan. Except as otherwise provided herein, such
special terms may not be more favorable than the terms of rights granted under the 423 Component of the Plan to Eligible Employees who
are residents of the United States. Moreover, the Administrator may approve such supplements to, or amendments, restatements or alternative
versions of, the Plan as it may consider necessary or appropriate for such purposes without thereby affecting the terms of the Plan as
in effect for any other purpose. No such special terms, supplements, amendments or restatements shall include any provisions that are
inconsistent with the terms of the Plan as then in effect unless the Plan could have been amended to eliminate such inconsistency without
further approval by the stockholders of the Company.

 

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5.8
Leave of Absence. During leaves of absence approved by the Company meeting the requirements of Treasury Regulation Section 1.421-1(h)(2) under
the Code, a Participant may continue participation in the Plan by making cash payments to the Company on his or her normal payday equal
to his or her authorized payroll deduction.

 

ARTICLE VI.

GRANT AND EXERCISE OF RIGHTS

 

6.1
Grant of Rights. On the Enrollment Date of each Offering Period, each Eligible Employee participating in such Offering Period shall
be granted a right to purchase the maximum number of Shares specified in the Offering Documents under Section 4.2, subject to the
limits in Section 5.5, and shall have the right to buy, on each Purchase Date during such Offering Period (at the applicable Purchase
Price), such number of whole Shares as is determined by dividing (a) such Participant’s payroll deductions accumulated prior
to such Purchase Date and retained in the Participant’s account as of the Purchase Date, by (b) the applicable Purchase Price
(rounded down to the nearest Share). The right shall expire on the earliest of: (x) the last Purchase Date of the Offering Period,
(y) the last day of the Offering Period and (z) the date on which the Participant withdraws in accordance with Section 7.1
or Section 7.3.

 

6.2
Exercise of Rights. On each Purchase Date, each Participant’s accumulated payroll deductions and any other additional payments
specifically provided for in the applicable Offering Document will be applied to the purchase of whole Shares, up to the maximum number
of Shares permitted pursuant to the terms of the Plan and the applicable Offering Document, at the Purchase Price. No fractional Shares
shall be issued upon the exercise of rights granted under the Plan, unless the Offering Document specifically provides otherwise. Any
cash in lieu of fractional Shares remaining after the purchase of whole Shares upon exercise of a purchase right will be credited to a
Participant’s account and carried forward and applied toward the purchase of whole Shares for the next following Offering Period.
Shares issued pursuant to the Plan may be evidenced in such manner as the Administrator may determine and may be issued in certificated
form or issued pursuant to book-entry procedures.

 

6.3
Pro Rata Allocation of Shares. If the Administrator determines that, on a given Purchase Date, the number of Shares with respect
to which rights are to be exercised may exceed (a) the number of Shares that were available for issuance under the Plan on the Enrollment
Date of the applicable Offering Period, or (b) the number of Shares available for issuance under the Plan on such Purchase Date,
the Administrator may in its sole discretion provide that the Company shall make a pro rata allocation of the Shares available for purchase
on such Enrollment Date or Purchase Date, as applicable, in as uniform a manner as shall be practicable and as it shall determine in its
sole discretion to be equitable among all Participants for whom rights to purchase Common Stock are to be exercised pursuant to this Article VI
on such Purchase Date, and shall either (i) continue all Offering Periods then in effect, or (ii) terminate any or all Offering
Periods then in effect pursuant to Article IX. The Company may make pro rata allocation of the Shares available on the Enrollment
Date of any applicable Offering Period pursuant to the preceding sentence, notwithstanding any authorization of additional Shares for
issuance under the Plan by the Company’s stockholders subsequent to such Enrollment Date. The balance of the amount credited to
the account of each Participant that has not been applied to the purchase of Shares shall be paid to such Participant in one lump sum
in cash as soon as reasonably practicable after the Purchase Date.

 

6.4
Withholding. At the time a Participant’s rights under the Plan are exercised, in whole or in part, or at the time some or
all of the Common Stock issued under the Plan is disposed of, the Participant must make adequate provision for the Company’s federal,
state, or other tax withholding obligations, if any, that arise upon the exercise of the right or the disposition of the Common Stock.
At any time, the Company may, but shall not be obligated to, withhold from the Participant’s compensation the amount necessary for
the Company to meet applicable withholding obligations.

 

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6.5
Conditions to Issuance of Common Stock. The Company shall not be required to issue or deliver any certificate or certificates for,
or make any book entries evidencing, Shares purchased upon the exercise of rights under the Plan prior to fulfillment of all of the following
conditions:

 

(a)
The admission of such Shares to listing on all stock exchanges, if any, on which the Common Stock is then listed;

 

(b)
The completion of any registration or other qualification of such Shares under any state or federal law or under the rulings or regulations
of the Securities and Exchange Commission or any other governmental regulatory body that the Administrator shall, in its absolute discretion,
deem necessary or advisable;

 

(c)
The obtaining of any approval or other clearance from any state or federal governmental agency that the Administrator shall, in its absolute
discretion, determine to be necessary or advisable;

 

(d)
The payment to the Company of all amounts that it is required to withhold under federal, state or local law upon exercise of the rights,
if any; and

 

(e)
The lapse of such reasonable period of time following the exercise of the rights as the Administrator may from time to time establish
for reasons of administrative convenience.

 

ARTICLE VII.

WITHDRAWAL; CESSATION OF ELIGIBILITY

 

7.1
Withdrawal. A Participant may withdraw all but not less than all of the payroll deductions credited to his or her account and not
yet used to exercise his or her rights under the Plan at any time by giving written notice to the Company in a form acceptable to the
Company no later than one week prior to the end of the Offering Period. All of the Participant’s payroll deductions credited to
his or her account during an Offering Period shall be paid to such Participant as soon as reasonably practicable after receipt of notice
of withdrawal, such Participant’s rights for the Offering Period shall be automatically terminated, and no further payroll deductions
for the purchase of Shares shall be made for such Offering Period. If a Participant withdraws from an Offering Period, payroll deductions
shall not resume at the beginning of the next Offering Period unless the Participant timely delivers to the Company a new subscription
agreement.

 

7.2
Future Participation. A Participant’s withdrawal from an Offering Period shall not have any effect upon his or her eligibility
to participate in any similar plan that may hereafter be adopted by the Company or a Designated Subsidiary or in subsequent Offering Periods
that commence after the termination of the Offering Period from which the Participant withdraws.

 

7.3
Cessation of Eligibility. Upon a Participant’s ceasing to be an Eligible Employee for any reason, he or she shall be deemed
to have elected to withdraw from the Plan pursuant to this Article VII and the payroll deductions credited to such Participant’s
account during the Offering Period shall be paid to such Participant or, in the case of his or her death, to the Person or Persons entitled
thereto under Section 12.4, as soon as reasonably practicable, and such Participant’s rights for the Offering Period shall
be automatically terminated.

 

7.4   Transfer
of Employment. If a Participant transfers from an Offering Period under the 423 Component to an Offering Period under the Non-423
Component, the exercise of the Participant’s right to purchase Common Stock will be qualified under the 423 Component only to the
extent that such exercise complies with Section 423 of the Code. If a Participant transfers from an Offering Period under the Non-423
Component to an Offering Period under the 423 Component, the exercise of the Participant’s rights will remain non-qualified under
the Non-423 Component.

 

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ARTICLE VIII.

ADJUSTMENTS UPON CHANGES IN STOCK

 

8.1
Changes in Capitalization. Subject to Section 8.3, in the event that the Administrator determines that any dividend or other
distribution (whether in the form of cash, Common Stock, other securities, or other property), reorganization, merger, amalgamation, consolidation,
combination, repurchase, recapitalization, liquidation, dissolution, or sale, transfer, exchange or other disposition of all or substantially
all of the assets of the Company, or sale or exchange of Common Stock or other securities of the Company, issuance of warrants or other
rights to purchase Common Stock or other securities of the Company, or other similar corporate transaction or event, as determined by
the Administrator, affects the Common Stock such that an adjustment is determined by the Administrator to be appropriate in order to prevent
dilution or enlargement of the benefits or potential benefits intended by the Company to be made available under the Plan or with respect
to any outstanding purchase rights under the Plan, the Administrator shall make equitable adjustments, if any, to reflect such change
with respect to (a) the aggregate number and type of Shares (or other securities or property) that may be issued under the Plan (including,
but not limited to, adjustments of the limitations in Section 3.1 and the limitations established in each Offering Document pursuant
to Section 4.2 on the maximum number of Shares that may be purchased); (b) the class(es) and number of Shares and price per
Share subject to outstanding rights; and (c) the Purchase Price with respect to any outstanding rights.

 

8.2
Other Adjustments. Subject to Section 8.3, in the event of any transaction or event described in Section 8.1 or any unusual
or nonrecurring transactions or events affecting the Company, any affiliate of the Company, or the financial statements of the Company
or any affiliate, or of changes in Applicable Law or accounting principles, the Administrator, in its discretion, and on such terms and
conditions as it deems appropriate, is hereby authorized to take any one or more of the following actions whenever the Administrator determines
that such action is appropriate in order to prevent the dilution or enlargement of the benefits or potential benefits intended to be made
available under the Plan or with respect to any right under the Plan, to facilitate such transactions or events or to give effect to such
changes in laws, regulations or principles:

 

(a)
To provide for either (i) termination of any outstanding right in exchange for an amount of cash, if any, equal to the amount that
would have been obtained upon the exercise of such right had such right been currently exercisable or (ii) the replacement of such
outstanding right with other rights or property selected by the Administrator in its sole discretion;

 

(b)
To provide that the outstanding rights under the Plan shall be assumed by the successor or survivor corporation, or a parent or subsidiary
thereof, or shall be substituted for by similar rights covering the stock of the successor or survivor corporation, or a parent or subsidiary
thereof, with appropriate adjustments as to the number and kind of shares and prices;

 

 

(c)
To make adjustments in the number and type of Shares (or other securities or property) subject to outstanding rights under the Plan and/or
in the terms and conditions of outstanding rights and rights that may be granted in the future;

 

(d)
To provide that Participants’ accumulated payroll deductions may be used to purchase Common Stock prior to the next occurring Purchase
Date on such date as the Administrator determines in its sole discretion and the Participants’ rights under the ongoing Offering
Period(s) shall be terminated; and

 

(e)
To provide that all outstanding rights shall terminate without being exercised.

 

8.3
No Adjustment Under Certain Circumstances. No adjustment or action described in this Article VIII or in any other provision
of the Plan shall be authorized to the extent that such adjustment or action would cause the 423 Component of the Plan to fail to satisfy
the requirements of Section 423 of the Code.

 

8.4
No Other Rights. Except as expressly provided in the Plan, no Participant shall have any rights by reason of any subdivision or
consolidation of shares of stock of any class, the payment of any dividend, any increase or decrease in the number of shares of stock
of any class or any dissolution, liquidation, merger, or consolidation of the Company or any other corporation. Except as expressly provided
in the Plan or pursuant to action of the Administrator under the Plan, no issuance by the Company of shares of stock of any class, or
securities convertible into shares of stock of any class, shall affect, and no adjustment by reason thereof shall be made with respect
to, the number of Shares subject to outstanding rights under the Plan or the Purchase Price with respect to any outstanding rights.

 

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ARTICLE IX.

AMENDMENT, MODIFICATION AND TERMINATION

 

9.1
Amendment, Modification and Termination. The Administrator may amend, suspend or terminate the Plan at any time and from time to
time; provided, however, that approval of the Company’s stockholders shall be required to amend the Plan to:
(a) increase the aggregate number, or change the type, of shares that may be sold pursuant to rights under the Plan under Section 3.1
(other than an adjustment as provided by Article VIII); (b) change the corporations or classes of corporations whose employees
may be granted rights under the Plan; or (c) change the Plan in any manner that would cause the 423 Component of the Plan to no longer
be an “employee stock purchase plan” within the meaning of Section 423(b) of the Code.

 

9.2
Certain Changes to Plan. Without stockholder consent and without regard to whether any Participant rights may be considered to
have been adversely affected, to the extent permitted by Section 423 of the Code, the Administrator shall be entitled to change the
Offering Periods, limit the frequency and/or number of changes in the amount withheld from Compensation during an Offering Period, establish
the exchange ratio applicable to amounts withheld in a currency other than U.S. dollars, permit payroll withholding in excess of the amount
designated by a Participant in order to adjust for delays or mistakes in the Company’s processing of payroll withholding elections,
establish reasonable waiting and adjustment periods and/or accounting and crediting procedures to ensure that amounts applied toward the
purchase of Common Stock for each Participant properly correspond with amounts withheld from the Participant’s Compensation, and
establish such other limitations or procedures as the Administrator determines in its sole discretion to be advisable that are consistent
with the Plan.

 

9.3
Actions in the Event of Unfavorable Financial Accounting Consequences. In the event the Administrator determines that the ongoing
operation of the Plan may result in unfavorable financial accounting consequences, the Administrator may, in its discretion and, to the
extent necessary or desirable, modify or amend the Plan to reduce or eliminate such accounting consequence including, but not limited
to:

 

(a)
altering the Purchase Price for any Offering Period including an Offering Period underway at the time of the change in Purchase Price;

 

(b)
shortening any Offering Period so that the Offering Period ends on a new Purchase Date, including an Offering Period underway at the time
of the Administrator action; and

 

(c)
allocating Shares.

 

Such modifications or amendments shall not require
stockholder approval or the consent of any Participant.

 

9.4
Payments Upon Termination of Plan. Upon termination of the Plan, the balance in each Participant’s Plan account shall be
refunded as soon as practicable after such termination, without any interest thereon.

 

ARTICLE X.

TERM OF PLAN

 

The Plan shall be effective on the Effective Date.
No right may be granted under the Plan prior to stockholder approval of the Plan. No rights may be granted under the Plan during any period
of suspension of the Plan or after termination of the Plan.

 

    9

     

    

 

ARTICLE XI.

ADMINISTRATION

 

11.1
Administrator. Unless otherwise determined by the Board, the Administrator of the Plan shall be the Compensation Committee of the
Board (or another committee or a subcommittee of the Board to which the Board delegates administration of the Plan) (such committee, the
“Committee”). The Board may at any time vest in the Board any authority or duties for administration of the
Plan.

 

11.2
Action by the Administrator. Each member of the Administrator is entitled to, in good faith, rely or act upon any report or other
information furnished to that member by any officer or other Employee, the Company’s independent certified public accountants, or
any executive compensation consultant or other professional retained by the Company to assist in the administration of the Plan.

 

11.3
Authority of Administrator. The Administrator shall have the power, subject to, and within the limitations of, the express provisions
of the Plan:

 

(a)
To determine when and how rights to purchase Common Stock shall be granted and the provisions of each offering of such rights (which need
not be identical).

 

(b)
To designate from time to time which Subsidiaries and/or affiliates of the Company shall be Designated Subsidiaries, which designation
may be made without the approval of the stockholders of the Company.

 

(c)
To adopt sub-plans or special rules applicable to Participants in particular Designated Subsidiaries or locations, which sub-plans or
special rules may be designed to be outside the scope of Section 423 of the Code and under the Non-423 Component.

 

(d) To
construe and interpret the Plan and rights granted under it, and to establish, amend and revoke rules and regulations for its administration.
The Administrator, in the exercise of this power, may correct any defect, omission or inconsistency in the Plan, in a manner and to the
extent it shall deem necessary or expedient to make the Plan fully effective.

 

(e)
To amend, suspend or terminate the Plan as provided in Article IX.

 

(f)
Generally, to exercise such powers and to perform such acts as the Administrator deems necessary or expedient to promote the best interests
of the Company and its Subsidiaries and to carry out the intent that the 423 Component of the Plan be treated as an “employee stock
purchase plan” within the meaning of Section 423 of the Code.

 

11.4
Decisions Binding. The Administrator’s interpretation of the Plan, any rights granted pursuant to the Plan, any subscription
agreement and all decisions and determinations by the Administrator with respect to the Plan are final, binding, and conclusive on all
parties.

 

ARTICLE XII.

MISCELLANEOUS

 

12.1
Restriction upon Assignment. A right granted under the Plan shall not be transferable other than by will or the applicable laws
of descent and distribution, and is exercisable during the Participant’s lifetime only by the Participant. Except as provided in
Section 12.4 hereof, a right under the Plan may not be exercised to any extent except by the Participant. The Company shall not recognize
and shall be under no duty to recognize any assignment or alienation of the Participant’s interest in the Plan, the Participant’s
rights under the Plan or any rights thereunder.

 

12.2
Rights as a Stockholder. With respect to Shares subject to a right granted under the Plan, a Participant shall not be deemed to
be a stockholder of the Company, and the Participant shall not have any of the rights or privileges of a stockholder, until such Shares
have been issued to the Participant or his or her nominee following exercise of the Participant’s rights under the Plan. No adjustments
shall be made for dividends (ordinary or extraordinary, whether in cash securities, or other property) or distribution or other rights
for which the record date occurs prior to the date of such issuance, except as otherwise expressly provided herein or as determined by
the Administrator.

 

12.3
Interest. No interest shall accrue on the payroll deductions or contributions of a Participant under the Plan.

 

    10

     

    

 

 

12.4
Designation of Beneficiary.

 

(a)
A Participant may, in the manner determined by the Administrator, file a written or electronic (subject to Section 12.11, as applicable)
designation of a beneficiary who is to receive any Shares and/or cash, if any, from the Participant’s account under the Plan in
the event of such Participant’s death subsequent to a Purchase Date on which the Participant’s rights are exercised but prior
to delivery to such Participant of such Shares and cash. In addition, a Participant may file a written designation of a beneficiary who
is to receive any cash from the Participant’s account under the Plan in the event of such Participant’s death prior to exercise
of the Participant’s rights under the Plan. If the Participant is married and resides in a community property state, a designation
of a Person other than the Participant’s spouse as his or her beneficiary shall not be effective without the prior written consent
of the Participant’s spouse.

 

(b)
Such designation of beneficiary may be changed by the Participant at any time by written notice to the Company. In the event of the death
of a Participant and in the absence of a beneficiary validly designated under the Plan who is living at the time of such Participant’s
death, the Company shall deliver such Shares and/or cash to the executor or administrator of the estate of the Participant, or if no such
executor or administrator has been appointed (to the knowledge of the Company), the Company, in its discretion, may deliver such Shares
and/or cash to the spouse or to any one or more dependents or relatives of the Participant, or if no spouse, dependent or relative is
known to the Company, then to such other Person as the Company may designate.

 

12.5
Notices. All notices or other communications by a Participant to the Company under or in connection with the Plan shall be deemed
to have been duly given when received in the form specified by the Company at the location, or by the Person, designated by the Company
for the receipt thereof.

 

12.6
Equal Rights and Privileges. Subject to Section 5.7, all Eligible Employees who are granted rights under the 423 Component
of the Plan will have equal rights and privileges so that the Plan qualifies as an “employee stock purchase plan” within the
meaning of Section 423 of the Code. Subject to Section 5.7, any provision of the 423 Component of the Plan that is inconsistent
with Section 423 of the Code will, without further act or amendment by the Company, the Board or the Administrator, be reformed to
comply with the equal rights and privileges requirement of Section 423 of the Code.

 

12.7
Use of Funds. All payroll deductions received or held by the Company under the Plan may be used by the Company for any corporate
purpose, and the Company shall not be obligated to segregate such payroll deductions.

 

12.8
No Employment Rights. Nothing in the Plan shall be construed to give any Person (including any Eligible Employee or Participant)
the right to remain in the employ of the Company or any Parent or Subsidiary or affect the right of the Company or any Parent or Subsidiary
to terminate the employment of any Person (including any Eligible Employee or Participant) at any time, with or without cause.

 

12.9
Notice of Disposition of Shares. Each Participant shall, if requested by the Company, give prompt notice to the Company of any
disposition or other transfer of any Shares purchased upon exercise of a right under the 423 Component of the Plan if such disposition
or transfer is made: (a) within two years from the Enrollment Date of the Offering Period in which the Shares were purchased or (b) within
one year after the Purchase Date on which such Shares were purchased. Such notice shall specify the date of such disposition or other
transfer and the amount realized, in cash, other property, assumption of indebtedness or other consideration, by the Participant in such
disposition or other transfer.

 

12.10
Governing Law. The Plan and any agreements hereunder shall be administered, interpreted and enforced under the internal laws of
the State of Delaware without regard to conflicts of laws thereof or of any other jurisdiction.

 

12.11
Electronic Forms. To the extent permitted by Applicable Law and in the discretion of the Administrator, an Eligible Employee may
submit any designation, subscription agreement, form or notice as set forth herein by means of an electronic form approved by the Administrator.
Before the commencement of an Offering Period, the Administrator shall prescribe the time limits within which any such electronic form
shall be submitted to the Administrator with respect to such Offering Period in order to be a valid election.

 

 

11Exhibit
10.5

 

EMPLOYMENT
AGREEMENT

 

This
Employment Agreement ("Agreement") is entered into as of November 19, 2019 by and between MoneyLion Inc., a Delaware
corporation, with its principal place of business at 30 West 21st Street, 9th Floor, New York City, New York, and Diwakar Choubey
("Executive”). Company and Executive shall sometimes be referred to individually as the "Party" or collectively
as the "Parties."

 

RECITALS

 

WHEREAS,
the Company desires to retain Executive as an employee to provide services to the Company, and wishes to provide Executive with certain
compensation and benefits in return for Executive's services;

 

WHEREAS,
Executive desires to be employed by the Company and provide such services to the Company as an Executive in return for certain compensation
and benefits;

 

WHEREAS,
this Agreement amends, restates, supersedes and otherwise replaces any existing employment agreement, whether written or oral, currently
in existence between the Company and Executive, and provides benefits to Executive that Executive is not currently, and would not otherwise
be, entitled to without this Agreement; and

 

WHEREAS,
the Company and Executive wish to set forth in this Agreement the terms and conditions under which Executive will be employed by Company.

 

TERMS

 

NOW,
THEREFORE, incorporating herein by reference the foregoing Recitals and in consideration of Executive's employment with Company and of
the mutual covenants and agreements contained herein, and of other good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the Parties, intending to be legally bound, agree as follows:

 

1.
employment.

 

The
Company hereby agrees to employ Executive, and Executive hereby accepts such employment, on the terms and conditions set forth herein.

 

1.1
Term. This Agreement is effective on and from November 19, 2019 (the "Effective Date") and will continue for an initial
period of two years (the "Initial Term"). Thereafter, this Agreement will automatically renew upon the same terms and conditions
set forth below for successive one year terms (the "Term") unless either Party provides six months' prior notice to the other
Party of intent not to renew the Agreement.

 

1.2
Position and Duties. Executive shall be employed in the position of Chief Executive Officer of the Company ("CEO"). Executive
shall report directly to the Board of Directors ("BoD"), and shall have the duties and responsibilities commensurate with such
position and such other duties and responsibilities not inconsistent with the performance of his duties as CEO and as the BoD shall direct.

 

The
services to be rendered by Executive shall include such services as are customarily rendered by persons engaged in the same capacity
or in a similar capacity in the Company's industry, pursuant to the terms and conditions set forth in this Agreement. Executive acknowledges
and agrees that in Executive's capacity as an officer of the Company, Executive owes fiduciary duties to the Company and any of their
affiliated companies in accordance with applicable law.

 

     

     

    

 

1.3
Exclusive Services. During the Term, Executive will devote substantially his full business time and attention to the performance
of his duties for the Company and will not engage in any other business activity (whether for compensation or otherwise) without the
prior written consent of the BoD. Notwithstanding anything herein to the contrary, this Agreement shall not be interpreted to prohibit
the Executive from serving in charitable and civic positions or on corporate boards and committees of for-profit companies, in each case
with the prior written consent of the Board of Directors, which consent shall not be unreasonably withheld if those activities do not
materially interfere with the services required under this Agreement.

 

1.4
Executive’s Principal Place of Employment. The location of the Executive's principal place of employment shall be at the Company's
headquarters in New York City, New York. In addition, Executive shall be expected to travel to other locations where the Company does
business.

 

1.5
Executive’s Representations. With respect to performing the services, Executive represents and warrants that he has no rights,
duties or obligations and is not subject to any restrictions under any prior agreement with any previous employer or other person or
entity which prohibits him from performing the services called for hereunder. Executive also represents and warrants to the Company that
the execution of this Agreement by Executive and his employment by the Company and the performance of his duties hereunder do not and
will not violate or constitute a breach of any agreement, including any non-competition agreement, invention or secrecy agreement, with
any previous employer or any other person or entity, and will not violate any injunction or other equitable order entered against his.
Executive further represents that she is not currently a party to any lawsuit, administrative proceeding, arbitration or other legal
dispute with any previous employer or any other person or entity, and if she has been a party to a lawsuit, administrative proceeding,
arbitration or other legal dispute with any previous employer or any other person, she has provided the Company with copies of any judgments
or orders entered in connection therewith. Executive agrees to promptly notify the Company immediately if any such conflicts occur in
the future.

 

Executive
further specifically represents to the Company that she has not brought to (and will not bring to) the Company, nor does she use any
materials or documents (whether or not of a confidential nature) of any previous employer or other person or entity. The provisions of
this section shall survive the termination of Executive's employment with the Company.

 

1.6
Executive Indemnification. Executive agrees to indemnify, defend and hold harmless the Company and its successors and assigns from
and against any claims, demands and causes of action made against the Company and any liability, judgments, deficiencies, damages, costs
and expenses (including without limitation costs of suit, reasonable attorneys' fees, consulting fees and experts' fees) incurred or
suffered by the Company referring or relating to: (a) Executive's prior employment(s); (b) alleged use or use by Executive of another's
confidential information; (c) any duties or any obligations owed by Executive to any prior employers; (d) any alleged or actual breach
by Executive of any agreements relating to confidential information; or (e) any breach of or failure by Executive to perform any warranties,
covenants or agreements contained in this Agreement. The provisions of this section for indemnity shall survive the termination of Executive's
employment with the Company.

 

    2

     

    

 

2.
compensation and benefits.

 

2.1
Salary. The Company shall pay Executive as compensation for his services hereunder a base salary at the annualized rate of $400,000
(the "Base Salary"), less applicable withholdings, which amount shall be paid in accordance with the Company's regular payroll
practices. Executive's Base Salary shall be reviewed periodically and may be increased by an amount determined by the Company, in its
sole and absolute discretion. Notwithstanding the foregoing, the Company may reduce Executive's salary if it is part of a management-wide
reduction in salaries in which Executive's salary is not reduced a disproportionately greater percentage.

 

2.2
Incentive Stock Options. Subject to the approval of the of the Compensation Committee of the Company's Board of Directors, Executive
will be awarded Incentive Stock Options (ISOs) on a discretionary basis. The details of the ISOs will follow in a separate document.

 

2.3
Discretionary Bonus. With respect to each fiscal year during the Term, beginning in the 2019 fiscal year, which ends on December
31, 2019, Executive will be eligible to earn a discretionary bonus ("Discretionary Bonus"). In all instances, following the
close of each fiscal year, the actual amount of the Discretionary Bonus, if any, shall be determined by the BoD and Compensation Committee,
in their sole and absolute discretion, and may be based on, among other things, the portion of the fiscal year falling in the Term, Executive's
overall performance, and the performance of the Company. No Discretionary Bonus shall be earned until the BoD and Compensation Committee
determine the amount thereof, if any, and communicates the same in writing to Executive. No amount of the Discretionary Bonus is guaranteed
and Executive must be an employee of the Company in good standing on the Discretionary Bonus payment date to be eligible to receive a
Discretionary Bonus and only absent an issue of solvency and/or a material adverse effect on the U.S. business; e.g. a material regulatory
compliance breach/material customer data breach/material brand impact, or similar event.

 

Notwithstanding
the foregoing, per Section 3.7.3 in the event Executive is terminated without Cause or terminates for Good Reason (as those terms are
defined below), or per Section 3.7.4 in the event Executive is terminated due to a Change in Control (as that term is defined below),
prior to the payment date of the Discretionary Bonus, Executive will still be eligible to earn the Discretionary Bonus, if any.

 

Executive
shall not receive any Discretionary Bonus: (a) for any fiscal year in which Executive does not work for the Company, regardless of the
reason(s) for Executive's termination; (b) if Executive is terminated for Cause; (c) if Executive terminates without Good Reason; or
(d) because of Executive's death, as those terms are defined or referenced in this Agreement.

 

2.4
Benefit Plans. Executive shall be eligible for Company benefits in accordance with Company policy.

 

3.
termination of employment.

 

The
Parties acknowledge that Executive's employment relationship with the Company is at-will, subject to the following terms and conditions.

 

    3

     

    

 

3.1
Termination By The Company For Cause. Notwithstanding any other provision of this Agreement, Executive's employment under this Agreement
may be terminated at any time by the Company for Cause (as defined below in Section 3.6.1) by delivery of written notice to Executive.
Any such notice of termination shall effect termination as of the elate the written notice is delivered, or as of such later date as
specified in the notice. All outstanding equity awards shall cease to vest.

 

3.2
Resignation by Executive. Notwithstanding any other provision of this Agreement, Executive may resign from his employment under this
Agreement without Good Reason by delivery of written notice to the Company. Any such notice o resignation shall effect termination three
months after Executive gives written notice to the Company of Executive's resignation; provided that the Company may set a termination
date at any time between the date of notice and the stated effective date of resignation, in which case Executive's resignation shall
be effective as of, and the date of termination of employment shall be, the date determined by the Company provided further that Executive
shall continue to be paid Base Salary and benefits, less applicable withholdings, which amounts shall be paid in accordance with the
Company's regular payroll practices for the entire six month period. The Company shall also have the right during the period between
the date of the notice and the stated effective date of resignation, or any part of that period, to place Executive on leave, paying
Base Salary and benefits to which Executive is entitled as set forth above, less applicable withholdings, which amounts shall be paid
in accordance with the Company's regular payroll practices. During this leave period, Executive is not to visit the Company premises
or conduct any business on behalf of Company unless at the written request of the Company. For avoidance of doubt, in the event that
the Company so shortens the time period between the date Executive gives written notice of Executive's resignation and the effective
date of Executive's resignation, this shall not be construed as a termination by the Company without Cause. All vested equity shall be
handled in accordance with the applicable incentive plans and award agreements.

 

3.3
Termination by the company without Cause or by Executive for Good Reason. Notwithstanding any other provision of this Agreement,
Executive's employment under this Agreement may be terminated either (i) by the Company without Cause (which shall not include the expiration
of this Agreement, including by Nonrenewal and other than in Connection with a Change of Control) by delivery of written notice to Executive
or (ii) by Executive for Good Reason, as defined below in Section 3.6.3, (which shall not include the expiration of this Agreement, including
by Nonrenewal), at any time. A termination without Cause shall be effective on the date Executive is so informed, or as otherwise specified
by the Company. A termination for Good Reason shall be effective on the date the Company receives a Good Reason Final Termination Notice
from Executive.

 

3.4
Termination for Death or Complete Disability. Executive’s employment with the Company shall automatically terminate effective
upon the date of Executive's Death or Disability (as defined below in Section 3.6.2). In the event of Disability, Executive shall be
eligible for benefits under the Company's long-term disability insurance coverage, if any .. All outstanding equity awards shall cease
to vest. All vested equity shall be handled in accordance with the applicable incentive plans and award agreements. Any equity awards
that are not vested as of Executive's Termination Date will be cancelled immediately.

 

3.5
Termination Without Good Cause Following Change of Control. If at any time during the Term of this Agreement there is a Change in
Control of the Company, as defined below in Section 3.6.4, the Company or is successor may elect to terminate Executive's employment
by delivery of written notice to Executive. A termination following a Change of Control shall be effective on the date Executive is so
informed.

 

    4

     

    

 

3.6
Definitions. For purposes of this Agreement, the following terms shall have the following meanings:

 

3.6.1
Cause. Cause shall mean the occurrence of any of the following events, as determined by the Board of Directors:

 

(a)
Executive’s conviction by, or entry of a plea of guilty or nolo contendere, in a court of competent and final jurisdiction for
any crime involving moral turpitude, any felony offense, or which could have a material adverse impact on the business operations or
financial or other condition of the Company, or which has resulted in imprisonment;

 

(b)
Executive's breach of any of the terms and conditions of the Confidentiality and Assignment of Inventions Agreement attached hereto as
Exhibit 1 or the IP Assignment Agreement (Exhibit 2) and discussed below in Section 4;

 

(c)
Executive's fraud, embezzlement or willful misconduct injurious to the Company;

 

(d)
Executive's continuing repeated, intentional or willful failure or refusal to perform Executive's duties and responsibilities as required
by this Agreement, including but without limitation, Executive's inability to perform Executive's duties hereunder as a result of chronic
alcoholism or drug addiction and/or as a result of Executive's intentional or willful failure to comply with any laws, rules, or regulations
of an governmental entity applicable to Executive's employment by the Company;

 

(e)
Executive's gross misconduct, gross negligence, material violation of any fiduciary duty or duty of loyalty to the Company, or Executive's
intentional or willful breach of any material provision of this Agreement;

 

(f)
Executive's intentional commission of any act which could be materially detrimental to Company's business or goodwill or willful act
or omission which is materially injurious to the financial condition or business reputation of the Company; or

 

(g)
Executive's failure to fully cooperate in any Company investigation or violation of a Company written policy and/or procedure, including,
but not limited to, policies and procedures pertaining to prevention of harassment, discrimination, bullying, abusive conduct, and workplace
violence.

 

3.6.2
Disability. Executive shall be determined to be disabled if, as a result of a physical or mental illness or injury, a physician
selected by the Company determines that Executive’s incapacity constitutes a disability for purposes of the Company's long-term
disability insurance coverage, if any; or in the event the Company does not have a long-term disability policy, "Disability"
shall mean any physical or mental disability that prevents or is objectively expected to prevent Executive from substantial performance
of Executive's duties, with or without an accommodation. For purposes of this Section, at the Company's request, Executive agrees to
make himself available and to cooperate in a reasonable examination by such independent physician. A termination of Executive's employment
by the Company for Disability shall be communicated to Executive by written notice, and shall be effective as stated therein.

 

    5

     

    

 

3.6.3
Good Reason. "Good Reason" means the occurrence of any of the following events without Executive's prior
written consent:

 

(a)
The assignment to Executive of duties materially inconsistent with his position or a materially adverse alteration in the nature of Executive's
duties and/or responsibilities, titles or authority; or

 

(b)
Commencement of any case under Title 11 of the United States Code or any other bankruptcy, reorganization, receivership, custodianship,
or similar proceeding under any state or federal law by or against Company and, with respect to any such case or proceeding that is involuntary,
such case or proceeding is not dismissed within ninety (90) days of the filing thereof; or

 

(c)
Company's breach of any material terms and conditions of this Agreement.

 

Notwithstanding
the foregoing, Good Reason shall not be deemed to exist unless Executive gives the Company written notice within 30 days after the occurrence
of the event which Executive believes constitutes the basis for Good Reason, specifying the particular act or failure to act which Executive
believes constitutes the basis for Good Reason. If the Company fails to cure such act or failure to act within 30 days after receipt
of such notice, Executive may terminate his employment for Good Reason within ten days of the expiration of such 30 day Company cure
period by written notice to the Company (a "Good Reason Termination Final Notice").

 

3.6.4
Change in Control. For purposes of this Agreement, a "Change in Control" shall occur or be deemed to occur upon
a merger, acquisition, affiliation or sale of at least 51 % of the Company's assets, but only if 50% or more of the members of the Board
of Directors of the resulting organization acquiring at least 51 % of the Company's assets were not members of the Company's Board of
Directors immediately prior to such merger, acquisition, affiliation or sale.

 

3.7
Compensation Upon Termination.

 

3.7.1
If the Executive's employment is terminated under this Agreement for any of the reasons described in this Section 3, Executive or
his estate shall be entitled to receive (a) any accrued but unpaid Base Salary up to the effective date of termination, (b) any benefits
under any plans of the Company in which Executive is a participant to the full extent Executive is entitled to receive such benefits
at the time of his death or termination of employment, and (c) any unreimbursed business expenses incurred by Executive in connection
with his duties hereunder for which Executive is entitled to reimbursement, all to the date of termination. Except as set forth below,
Executive shall not be entitled to any other compensation or reimbursement of any kind.

 

3.7.2
Additionally, in the event of a termination of employment under Section 3.3 above on or after six consecutive months of continuous
employment (Executive is not on any type of a leave of absence) from the Effective Date, subject to Executive furnishing to the Company
an executed waiver and general release of any and all known and unknown claims, in the form attached hereto as Exhibit 3 (the
"Release") within 60 days following Executive's "separation from service" (as defined under Treasury Regulation Section
1.409A-1 (h) and without regard to any alternate definition thereunder) (a "Separation from Service"), and not revoking the
Release as described in therein, then: (a) Executive shall be entitled to continuation of Executive's Base Salary (at the annual Base
Salary rate in effect at the time of termination and subject to standard payroll deductions and withholdings) for a period of six months
following the termination date (the "Severance Period"); provided, however, that any payments otherwise scheduled
to be made prior to the effective date of the Release (namely, the date it can no longer be revoked) shall accrue and be paid in the
first payroll date that follows such effective date with subsequent payments occurring on each subsequent Company payroll date, (b),
subject to Executive's timely election to exercise Executive's rights under federal law (29 U.S.C. § 1161 et seq. (commonly known
as "COBRA"), the Company shall pay, or reimburse Executive for, the cost of continued participation in the Company's group
medical and/or dental plans which cover Executive (and eligible dependents) pursuant to COBRA, but only for the portion of the premiums
equal to the portion being paid by the Company for Executive as of immediately prior to the termination date from the date of employment
termination through the earliest of (i) the last day of the month which falls six months from the effective date of termination, (ii)
the date Executive is no longer eligible for COBRA, or (iii) the date that Executive first becomes eligible for comparable health care
or dental care coverage, as applicable, pursuant to the health and dental care plan of a new employer; provided, however,
that any such payments or reimbursements otherwise scheduled to be made prior to the effective date of the Release (namely, the date
it can no longer be revoked) shall accrue and be paid in the first payroll date that follows such effective date; (c) a Discretionary
Bonus, if any, if the Boo and Compensation Committee in their sole discretion decide to award a Discretionary Bonus; and (d) notwithstanding
any provision to the contrary in the Company's Stock Option Plan (or a successor plan) all shares held by the Executive at the time of
his termination date that would have vested through the end of the 12-month period following the Executive's termination date shall immediately
vest in full and/or become immediately exercisable or payable on the Executive's termination.

 

    6

     

    

 

Notwithstanding
anything to the contrary in this Agreement, if the period during which Executive may sign the Release begins in one calendar year and
ends in another, then any severance pay and any COBRA premium payment (collectively "Severance Payment") or reimbursement benefits
shall accrue and be paid in the calendar year that follows such Separation from Service.

 

The
payments required to be made under Section 3.7.2 shall be reduced by the amount of any severance pay due or otherwise paid to Executive
pursuant to any severance pay plan of the Company to the extent permissible under Section 409A of the Internal Revenue Code of 1986,
as amended (the "Code"), and the regulations and other guidance issued thereunder and any state law of similar effect (collectively,
"Section 409A").

 

Notwithstanding
anything contained in this Agreement to the contrary, the obligation to make the addition payments described in this section shall cease
immediately in the event of a breach of the Confidentiality and Assignment of Inventions Agreement (Exhibit 1), the IP Assignment
Agreement (Exhibit 2), as discussed below in Section 4 or the Stock Option Program; provided, that nothing in this Agreement shall
be construed to affect Executive's right to receive continuation of group health plan benefits under COBRA to the extent authorized and
in accordance with federal law at Executive's own cost.

 

3.7.3
Additionally, in the event of a termination of employment under Section 3.5 above, within 12 months after a Change in Control, subject
to Executive furnishing to the Company an executed waiver and general release of any and all known and unknown claims, in the form attached
hereto as Exhibit 3 (the "Release") within 60 days following Executive's "separation from service" ( as defined
under Treasury Regulation Section 1.409A-1 (h) and without regard to any alternate definition thereunder) (a "Separation from Service"),
and not revoking the Release as described in therein, then: (a) Executive shall be entitled to continuation of Executive's Base Salary
(at the annual Base Salary rate in effect at the time of termination and subject to standard payroll deductions and withholdings) for
a period of 12 months following the termination date (the "Severance Period"); provided, however, that any payments otherwise
scheduled to be made prior to the effective date of the Release (namely, the date it can no longer be revoked) shall accrue and be paid
in the first payroll date that follows such effective date with subsequent payments occurring on each subsequent Company payroll date,
(b), subject to Executive's timely election to exercise Executive's rights under federal law (29 U.S.C. § 1161 et seq. (commonly
known as "COBRA"), the Company shall pay, or reimburse Executive for, the cost of continued participation in the Company's
group medical and/or dental plans which cover Executive (and eligible dependents) pursuant to COBRA, but only for the portion of the
premiums equal to the portion being paid by the Company for Executive as of immediately prior to the termination date from the date of
employment termination through the earliest of (i) the last day of the month which falls 12 months from the effective date of termination,
(ii) the date Executive is no longer eligible for COBRA, or (iii) the date that Executive first becomes eligible for comparable health
care or dental care coverage, as applicable, pursuant to the health and dental care plan of a new employer; provided, however,
that any such payments or reimbursements otherwise scheduled to be made prior to the effective date of the Release (namely, the date
it can no longer be revoked) shall accrue and be paid in the first payroll date that follows such effective date; (c) a Discretionary
Bonus, if any, if BoD and Compensation Committee in their sole discretion decide to award a Discretionary Bonus; and (d) notwithstanding
any provision to the contrary in the Company's Stock Option Plan (or a successor plan) all shares held by the Executive at the time of
his termination date shall immediately vest in full and/or become immediately exercisable or payable on the Executive's termination date.

 

Notwithstanding
anything to the contrary in this Agreement, if the period during which Executive may sign the Release begins in one calendar year and
ends in another, then any severance pay and any COBRA premium payment (collectively "Severance Payment") or reimbursement benefits
shall accrue and be paid in the calendar year that follows such Separation from Service.

 

    7

     

    

 

The
payments required to be made under Section 3.7.3 shall be reduced by the amount of any severance pay due or otherwise paid to Executive
pursuant to any severance pay plan of the Company to the extent permissible under Section 409A of the Internal Revenue Code of 1986,
as amended (the "Code"), and the regulations and other guidance issued thereunder and any state law of similar effect (collectively,
"Section 409A").

 

Notwithstanding
anything contained in this Agreement to the contrary, the obligation to make the addition payments described in this section shall cease
immediately in the event of a breach of the Confidentiality and Assignment of Inventions Agreement (Exhibit 1) or IP Assignment
Agreement (Exhibit 2), as discussed below in Section 4 or the Stock Option Program; provided, that nothing in this Agreement shall
be construed to affect Executive's right to receive continuation of group health plan benefits under COBRA to the extent authorized and
in accordance with federal law at Executive's own cost.

 

3.8
Application of Internal Revenue Code Section 409A. Notwithstanding anything to the contrary set forth herein, any payments and benefits
provided under this Agreement (the "Benefits") that constitute "deferred compensation" within the meaning
of Section 409A shall not commence in connection with Executive's termination of employment unless and until Executive has also incurred
a Separation from Service, unless the Company reasonably determines that such amounts may be provided to Executive without causing Executive
to incur the additional 20% tax under Section 409A. It is intended that each installment of the Benefits payments provided for in this
Agreement is a separate "payment" for purposes of Treasury Regulation Section 1.409A-2(b)(2)(i). For the avoidance of doubt,
it is intended that the Benefits payments set forth in this Agreement satisfy, to the greatest extent possible, the exemptions from the
application of Section 409A provided under Treasury Regulation Sections 1.409A-1(b)(4), 1.409A-1(b)(5) and 1.409A-1(b)(9). However, if
the Company (or, if applicable, the successor entity thereto) determines that the Benefits constitute "deferred compensation"
under Section 409A and Executive is, on the termination of service, a "specified employee" of the Company or any successor
entity thereto, as such term is defined in Section 409A(a)(2)(B)(i) of the Code, then, solely to the extent necessary to avoid the incurrence
of the adverse personal tax consequences under Section 409A, the timing of the Benefits payments shall be delayed until the earlier to
occur of: (i) the date that is six months and one day after Executive's Separation from Service, or (ii) the date of Executive's death
(such applicable date, the "Specified Employee Initial Payment Date"), the Company (or the successor entity thereto,
as applicable) shall (A) pay to Executive a lump sum amount equal to the sum of the Benefits payments that Executive would otherwise
have received through the Specified Employee Initial Payment Date if the commencement of the payment of the Benefits had not been so
delayed pursuant to this Section and (B) commence paying the balance of the Benefits in accordance with the applicable payment schedules
set forth in this Agreement. While it is intended that all payments and benefits provided under this Agreement or otherwise to Executive
will be exempt from or comply with Section 409A, the Company makes no representation or covenant to ensure that any such payments or
benefits are exempt from or compliant with Section 409A. The Company will have no liability to Executive or any other party if a payment
or benefit under this Agreement is challenged by any taxing authority or is ultimately determined not to be exempt or compliant. Executive
further understands and agrees that Executive will be entirely responsible for any and all taxes on any payments and benefits provided
to Executive as a result of this Agreement. All reimbursements and in-kind benefits provided under this Agreement shall be made or provided
in accordance with the requirements of Section 409A to the extent that such reimbursements or in-kind benefits are subject to Section
409A, including, where applicable, the requirements that (i) any reimbursement is for expenses incurred during Executive's lifetime (or
during a shorter period of time specified in this Agreement), (ii) the amount of expenses eligible for reimbursement during a calendar
year may not affect the expenses eligible for reimbursement in any other calendar year, (iii) the reimbursement of an eligible expense
will be made on or before the last day of the calendar year following the year in which the expense is incurred and (iv) the right to
reimbursement is not subject to set off or liquidation or exchange for any other benefit.

 

3.9
No Further Obligations. Except as set forth above, the Company shall have no further obligations to Executive under this Agreement,
except as otherwise provided by law or under any benefit plan then in effect in which Executive participates and then only in accordance
with such benefit plan.

 

3.10
Return of Property. Upon termination of employment for any reason, Executive shall immediately return to the Company without condition
all files, records, keys, and other property of the Company.

 

    8

     

    

 

4.
confidentiality and intellectual property agreements.

 

The
Executive acknowledges, understands, and agrees that the Executive's employment with the Company is subject to and conditioned upon the
Executive's execution of the Confidentiality and Assignment of Inventions Agreement, attached hereto as Exhibit 1 and the IP Assignment
Agreement, attached hereto as Exhibit 2, the terms of which are incorporated herein by reference. The Executive also acknowledges,
understands, and agrees that the terms and conditions of these two agreements shall survive the termination of this Agreement.

 

5.
dispute resolution.

 

5.1
Arbitration. Any and all disputes, claims or controversies ("Claims") arising out of or relating to this Agreement or the
breach, termination, enforcement, interpretation or validity hereof, or the Executive's employment or its termination, that the Company
may have against Executive or that Executive may have against (a) the Company (b) its officers, directors, shareholders, employees or
agents, (c) the Company's affiliated entities, and/or (d) all successors past, present or future, and assigns of any of them, shall be
resolved by binding arbitration as set forth herein.

 

The
Claims to be arbitrated include, but are not limited to: claims for wages or other compensation due; claims for breach of any contract
or covenant (express or implied); tort claims; claims for unlawful discrimination or unlawful harassment (including, but not limited
to, race, sex, sexual orientation, religion, national origin, age, marital status, physical or mental disability or handicap, or medical
condition, pregnancy or pregnancy related condition, or any other condition against which discrimination is unlawful under federal, state,
or local law, ordinance, or regulation); claims for benefits (except claims under an executive benefit or pension plan that either specifies
that its claims procedure shall culminate in an arbitration procedure different from this one, or is underwritten by a commercial insurer
which decides claims); and claims for violation of any federal, state, or other governmental law, statute, regulation, or ordinance.
Nothing in this Agreement shall be construed as precluding the Executive from filing a: (i) claim for workers' compensation or unemployment
compensation benefits; and (ii) claim with the Equal Employment Opportunity Commission, or similar fair employment practices agency in
New York, or an administrative charge within the jurisdiction of the National Labor Relations Board, or the New York Labor Department;
however, any such administrative claim that cannot be resolved administratively through such an agency shall be subject to this Agreement.

 

Except
as otherwise provided herein, arbitration shall be governed by and proceed in accordance with and be subject to the provisions of the
Federal Arbitration Act ("FAA"). However, to the extent that the FAA is inapplicable or held not to require arbitration of
a particular Claim or Claims, the New York Arbitration Act (NY CLS CPLR §§ 7501, et seq.) or any successor or replacement statute(s),
shall apply.

 

Except
as otherwise provided herein, the arbitration shall be commenced and conducted in accordance with the Employment Arbitration Rules &
Mediation Procedures of JAMS as in effect at the time of commencement of the Arbitration ("JAMS Rules") https://www.jamsadr.com/rules-employment-arbitration/english.
Any arbitration shall be held in New York City, New York. The exact time and location of the arbitration proceeding will be determined
by the arbitrator. The parties shall jointly select one arbitrator from the JAMS panel of arbitrators who shall be either a retired judge
or an attorney who is experienced in the area of dispute.

 

    9

     

    

 

Any
demand for arbitration shall be in writing and must be made within a reasonable time after the claim, dispute, or other matter in question
has arisen. In no event shall the demand for arbitration be made after the date that institution of legal or equitable proceedings based
upon such claim, dispute or other matter would be barred by the applicable statute of limitations.

 

The
arbitrator shall apply the law of the state of New York or federal law, or both, as applicable to the issues asserted and shall be without
jurisdiction to apply any different substantive law. The arbitrator shall hear and rule on pre-hearing disputes and is authorized to
hold pre-hearing conferences by telephone or in person, as the arbitrator deems advisable. The arbitrator shall have the authority to
entertain a motion to dismiss and/or a motion for summary judgment by any party and shall apply the standards governing such motions
under New York law. The arbitrator may issue orders to protect the confidentiality of proprietary information, trade secrets or other
sensitive information.

 

Although
conformity to legal rules of evidence shall not be necessary, the arbitrator shall determine the admissibility, relevance, and materiality
of the evidence offered and may exclude evidence deemed by the arbitrator to be cumulative or irrelevant, and shall take into account
applicable principles of legal privilege, such as those involving the confidentiality of communications between a lawyer and client.

 

The
arbitrator shall render an award and a written opinion, which will consist of a written statement signed by the arbitrator regarding
the disposition of each Claim and the relief, if any, as to each Claim and also contain a concise written statement of the reasons for
the award, stating the essential findings and conclusions of law upon which the award is based, no later than thirty days from the date
the arbitration hearing concludes or the post hearing briefs (if requested) are received, whichever is later. The award of the arbitrator,
which may include equitable relief, shall be final and binding upon the parties and judgment may be entered upon it in accordance with
applicable law in any court having jurisdiction thereof. Either party may bring an action in any court of competent jurisdiction to compel
arbitration and to enforce an arbitration award.

 

5.2
Mediation. The Parties agree that any and all Claims subject to arbitration as described in Section 5.1 of this Agreement, shall
be first submitted to JAMS, or its successor, for mediation in New York City, New York, and if the matter is not resolved through mediation,
then it shall be submitted to JAMS, or its successor, for final and binding arbitration pursuant to the arbitration clause set forth
in Section 5.1 above. Either Party may commence mediation by providing to JAMS and the other Party a written request for mediation, setting
forth the subject of the dispute and the relief requested. The Parties will cooperate with JAMS and with one another in selecting a mediator
from JAMS' panel of neutrals, and in scheduling the mediation proceedings as soon as possible. The Parties covenant that they will participate
in the mediation in good faith. All offers, promises, conduct and statements, whether oral or written, made in the course of the mediation
by any of the Parties, their agents, employees, experts and attorneys, and by the mediator or any JAMS employees, are confidential, privileged
and inadmissible for any purpose, including impeachment, in any arbitration or other proceeding involving the Parties, provided that
evidence that is otherwise admissible or discoverable shall not be rendered inadmissible or non-discoverable as a result of its use in
the mediation. Either Party may initiate arbitration with respect to the matters submitted to mediation by filing a written demand for
arbitration at any time following the initial mediation session. The mediation may continue after the commencement of arbitration if
the Parties so desire. Unless otherwise agreed by the Parties, the mediator shall be disqualified from serving as arbitrator in the case.
The provisions of this clause may be enforced by any court of competent jurisdiction, and the party seeking enforcement shall be entitled
to an award of all costs, fees and expenses, including attorneys' fees, to be paid l:Sy the Party against whom enforcement is ordered.

 

    10

     

    

 

5.3
Mediation and arbitration Costs. The Party initiating the mediation and arbitration will be responsible for paying the initial filing
fees with JAMS. The fees of the arbitrator and costs of the mediation and arbitration (except the initial filing fee) shall be borne
equally by the Parties. Each Party shall pay for its own costs and attorneys' fees, if any.

 

5.4
Exclusive Remedy. Except as set forth in Section 5.5 below, the Parties understand and agree that the mediation and arbitration provisions
of this Agreement shall provide each Party with its/his exclusive remedy with respect to this Agreement, and each Party expressly waives
any right it might have to seek redress in any other forum, except as otherwise expressly provided in this Agreement. By electing arbitration
as the means for final settlement of all claims, the Parties hereby waive their respective rights to, and agree not to, sue each other
in any action in a federal, state or local court with respect to such claims, but may seek to enforce in court an arbitration award rendered
pursuant to this Agreement. The Parties specifically agree to waive their respective rights to a trial by jury, and further agree that
no demand, request or motion will be made for trial by jury.

 

5.5
Equitable Relief. Notwithstanding the above, either Party may file a request with a court of competent jurisdiction for equitable
relief and expedited discovery, including but not limited to injunctive relief, pending resolution of any Claim through the arbitration
procedure set forth herein; provided, however, in such cases the merits of the Claims will be decided by the Arbitrator, who will have
the same ability to order legal or equitable remedies as a court of general jurisdiction.

 

6.
other terms and conditions.

 

6.2
Entire Agreement; Modification. This Agreement, the Stock Option Program, and attached Confidentiality and Assignment of Inventions
Agreement and IP Agreement set forth the entire understanding and agreement of the Parties with respect to the subject matter hereof
and thereof, supersede all existing agreements, arrangements or understandings, whether oral or written, between them concerning such
subject matter, and may be modified only by a written instrument duly executed by each party.

 

6.3
Assignment. This Agreement and all rights hereunder are personal to the Executive and may not be assigned by Executive, nor may any
of Executive's duties hereunder be delegated at any time. The Company may assign its rights, together with its obligations hereunder,
to any parent, subsidiary, affiliate or successor, or in connection with any sale, transfer or other disposition of all or substantially
all of its business and assets; provided, however, that any such assignee expressly assumes the Company's obligations hereunder. Subject
to the foregoing, this Agreement shall inure to the benefit of, and be binding upon, the parties and their respective successors and
permitted assigns.

 

6.4
Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the state of New York without regard
to principles of conflicts of law.

 

6.5
Survival. The covenants, agreements, representations and warranties contained in Sections 1.5 and 1.6 or made by Executive in Sections
4, 5, and 6 hereof shall survive the termination of this Agreement and Executive's employment with the Company.

 

    11

     

    

 

6.6
Third Party Beneficiaries. Except as expressly provided herein with respect to successors and assigns of the parties, this Agreement
does not create, and shall not be construed as creating, any rights enforceable by any person or entity not a party to this Agreement.

 

6.7
Waiver. The failure of either Party hereto at any time to enforce performance by the other Party of any provision of this Agreement
shall in no way affect such Party's rights thereafter to enforce the same, nor shall the waiver by either Party of any breach of any
provision hereof be deemed to be a waiver by such party of any other breach of the same or any other provision hereof.

 

6.8
Section Headings. The headings of the several sections in this Agreement are inserted solely for the convenience of the Parties and
are not a part of and are not intended to govern, limit or aid in the construction of any term or provision hereof.

 

6.9
Notices. All notices and other communications required or permitted under this Agreement shall be in writing and shall be deemed
effectively given (a) upon personal delivery, (b) on the third day following deposit in the United States Post Office, by registered
or certified mail with postage and fees prepaid, or (c) on the next day following deposit with a nationally recognized courier service
such as Federal Express) for overnight delivery, addressed to the other Party hereto at such Party's address hereinafter shown below
or at such other address as such party may designate by written notice to the other party hereto:

 

	 	To
    Executive at:	Diwakar
    Choubey
	 	 	260
    5th Ave Penthouse
	 	 	New
    York, New York 10001
	 	 	 
	 	To
    Company at:	MoneyLion
	 	 	30
    West 21st Street,
	 	 	9th
    Floor,
	 	 	New
    York City, New York 10010
	 	 	Attn:
    The Board of Directors
	 	 	 
	 	With
    a copy to:	Nossaman
    LLP
	 	 	18101
    Von Karman Avenue, 18th Floor
	 	 	Irvine,
    CA 92612
	 	 	Attn:
    Veronica M. Gray

 

6.10
Severability. In the event any one or more of the terms, conditions or provisions contained in this Agreement should be found in
a final award or judgment to be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining
terms, conditions and provisions contained herein shall not in any way be affected or impaired thereby, and this Agreement shall be interpreted
and construed as if such term, condition or provision, to the extent the same shall have been held invalid, illegal or unenforceable,
bad never been contained herein, provided that such interpretation and construction is consistent with the intent of the parties as expressed
in this Agreement. If any term, condition or provision contained in this Agreement shall be determined under applicable law to be overly
broad in duration, geographical coverage or substantive scope, such term, condition or provision shall be deemed narrowed to the broadest
terms permitted by applicable law.

 

6.11
Counterparts. This Agreement may be executed in one or more counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same Agreement.

 

EXECUTIVE
ACKNOWLEDGES THAT HE HAS CAREFULLY READ THIS AGREEMENT, THAT SHE UNDERSTAND ITS TERMS, THAT ALL UNDERSTANDINGS AND AGREEMENTS BETWEEN
COMPANY AND EXECUTIVE RELATING TO THE SUBJECTS COVERED IN THE AGREEMENT ARE CONTAINED IN IT, AND THAT EXECUTIVE HAS ENTERED INTO THE
AGREEMENT VOLUNTARILY AND NOT IN RELIANCE ON ANY PROMISES OR REPRESENTATIONS BY COMPANY OTHER THAN THOSE CONTAINED IN THIS AGREEMENT
ITSELF.

 

EXECUTIVE
UNDERSTANDS THAT BY SIGNING THIS AGREEMENT EXECUTIVE IS GIVING UP ANY RIGHT TO A JURY TRIAL.

 

	 	 	 	 	Executive initials:	 /s/ DC

 

    12

     

    

 

IN
WITNESS WHEREOF, the Parties hereto have caused this Agreement to be duly executed as of the day and year first above written.

 

	COMPANY:	MoneyLion Inc.
	 	 
	 	By:	/s/
    Diwakar Choubey as President & CEO
	 	 	The
    Board of Directors

 

	EXECUTIVE:	 	/s/
    Diwakar Choubey
	 	 	Diwakar
    Choubey

 

 

13

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