Document:

Exhibit

Exhibit 10.53

NON-STATUTORY STOCK OPTION AGREEMENT
UNDER THE FGL HOLDINGS 2017 OMNIBUS INCENTIVE PLAN
This Non-Statutory Stock Option Agreement (the “Agreement”), dated as of [Date] (the “Grant Date”), between FGL Holdings (the “Company”), and [Name] (the “Grantee”), is being entered into pursuant to the FGL Holdings 2017 Omnibus Incentive Plan (the “Plan”).   
The Company and the Grantee hereby agree as follows:
NON-STATUTORY STOCK OPTION AWARD OVERVIEW
	
		
	Number of Options Granted
	Exercise Price

	X
	$10.00

Section 1.Certain Definitions.  Capitalized terms used in this Agreement and not defined herein shall have the respective meaning ascribed to such terms in the Plan.  The following additional terms shall have the following meanings:
“Adjusted Operating Return on Common Shareholders’ Equity Excluding AOCI” or “ROE” is a non-GAAP financial measure.  It is calculated by dividing AOI Available to Common Shareholders by total average Common Shareholders’ Equity Excluding AOCI.  The Average Common Shareholders’ Equity Excluding AOCI for the twelve months period is the average of the beginning equity for the period and the 4 ending quarterly points throughout the period. Notwithstanding the foregoing, in the event of a corporate transaction that materially affects ROE, the Committee shall, in good faith, adjust the ROE performance goals set forth in Appendix B to reflect the impact of the transaction. 
“Aggregate Price” has the meaning set forth in Section 5(a).
“Agreement” means this Non-Statutory Stock Option Agreement, as amended from time to time in accordance with the terms hereof.
“AOI Available to Common Shareholders” is a non-GAAP economic measure. AOI available to common shareholders is calculated by adjusting net income (loss) available to common shareholders to eliminate (i) the impact of net investment gains including other than temporary impairment (“OTTI”) losses recognized in operations, but excluding gains and losses on derivatives hedging the Company’s indexed annuity policies, (ii) the effect of changes in fair values of FIA derivatives and embedded derivatives, (iii) the tax effect of change in fair value of affiliated reinsurance embedded derivatives, (iv) the effect of integration, merger related and other non-operating items, and (v) impact of extinguishment of debt.  All adjustments to AOI available to common shareholders are net of the corresponding impact on amortization of intangibles. The income tax impact related to these adjustments is measured using an effective tax rate of 21%, as appropriate. 

“Change in Control” has the meaning set forth in Section 2 of the Plan; provided, however, that clause (ii) thereof shall not result in a Change in Control for purposes of this Agreement, if following the transaction(s) described in clause (ii) thereof, a majority of the members of the Board are not replaced.
“Exercise Date” has the meaning set forth in Section 5(a).
“Exercise Price” means the price specified in the Award Overview above.
“Financing Agreements” means any guaranty, financing or security agreement or document entered into by the Company or any Subsidiary or Affiliate from time to time.
“Good Reason” has the meaning as set forth in Grantee’s employment agreement with the Company (or Subsidiary or Affiliate) if one exists.  In the absence of an employment agreement definition, “Good Reason” means that Grantee suffers one or more of the following changes to Grantee’s terms and conditions of employment: (i) Grantee’s base salary is reduced by more than 15%, (ii) if Grantee reports directly to the Company’s Chief Executive Officer, Grantee’s target bonus opportunity is reduced by more than 15%, or (iii) the Grantee’s primary worksite is moved by more than 50 miles; provided, however, that in no event 

will the occurrence of any such condition constitute Good Reason unless (1) Grantee gives notice to the Company of the existence of the condition giving rise to the purported Good Reason within thirty (30) days following the date Grantee first becomes aware of its existence, and (2) the Company fails to substantially cure the condition within thirty (30) days after the Company's receipt of such notice.
“Grant Year” means the 12-month period of March 16, 2018 to March 15, 2019 (even though the Grant Date is after March 16, 2018), and each subsequent annual 12-month period.  
“Grantee” means the grantee of the Non-Statutory Stock Options; provided that following such person’s death “Grantee” shall be deemed to include such person’s beneficiary or estate and following such person’s Disability, “Grantee” shall be deemed to include such person’s legal representative.
“Normal Termination Date” has the meaning set forth in Section 4(a).
“Performance Period” means the period beginning March 16, 2018 and ending March 15, 2023.  
“Plan Year” means the calendar year.  
“Protective Provisions” means as to any Grantee who is a party to an employment agreement with the Company (or a Subsidiary or Affiliate) that contains non-competition, non-solicitation, non-disclosure and/or other similar provisions, such provisions.  In the absence of such an employment agreement, “Protective Provisions” shall refer to the provisions set forth in Appendix A of this Agreement.  
“Retirement” means termination of employment with the Company (and its Subsidiaries and Affiliates) after a Grantee has (i) completed at least 5 years of continuous employment with the Company (or its Subsidiaries and Affiliates), and (ii) attained age 60.  
“ROE Metrics” means the performance metrics for ROE set forth on Appendix B. 
“ROE-Vested Options” means the Non-Statutory Stock Options granted hereunder which vest based on attainment of ROE Metrics and elapsed time, as set forth in Section 3(a)(ii) and Appendix B.  
“Securities Act” means the Securities Act of 1933, as amended, and the rules and regulations promulgated thereunder.
“Service Relationship” means a grantee’s relationship to the Company or any Subsidiary or Affiliate as an employee, consultant or director (as applicable).
“Stock Price” means the price of the Company’s (NYSE symbol: “FG”) common stock, measured based on average closing price for 20 consecutive trading days.   
“Stock Price Goal” means the goals for the Stock Price set forth on Appendix B.  
“Stock Price-Vested Options” means the Non-Statutory Stock Options granted hereunder which vest based on attainment of Stock Price Goals and elapsed time as set forth in Section 3(a)(iii) and Appendix B.     
Section 2.Grant of Non-Statutory Stock Options
(a)Confirmation of Grant.  The Company hereby evidences and confirms, effective as of the date hereof, its grant to the Grantee of Non-Statutory Stock Options to purchase the number of shares of Stock specified in the Award Overview above (the “Award”).  The Non-Statutory Stock Options are not intended to be incentive stock options under the Code.  This Agreement is entered into pursuant to, and the terms of the Non-Statutory Stock Options are subject to, the terms of the Plan.  If there is any inconsistency between this Agreement and the terms of the Plan, the terms of the Plan shall govern.  
(b)Exercise Price.  Each share of Stock covered by a Non-Statutory Stock Option shall have the Exercise Price specified in the Award Overview above.

Section 3.Vesting and Exercisability
(a)Vesting.  The Non-Statutory Stock Options shall become vested as follows, subject to Sections 3(b) and 6 below:

(i)    ROE-Vested Options. One-half (1/2) of the Non-Statutory Stock Options granted hereunder shall vest based on attainment of the ROE Metrics, as set forth on Appendix B, subject to the continuous existence of a Service Relationship between the Company and the Grantee until each applicable vesting date, except as otherwise provided in Sections 3(b) and 6 below.  
(ii)    Stock Price-Vested Options. One-half (1/2) of the Non-Statutory Stock Options granted hereunder shall vest based on attainment of the Stock Price Goals, as set forth on Appendix B, subject to the continuous existence of a Service Relationship between the Company and the Grantee until each applicable vesting date, except as otherwise provided in Sections 3(b) and 6 below. 
(b)    Additional Vesting Terms for Death, Disability, Involuntary Termination of Employment without Cause, Termination of Employment for Good Reason or Retirement Prior to March 15, 2023.  The following additional vesting terms shall apply if Grantee’s employment with the Company (or a Subsidiary or Affiliate) terminates after the Grant Date and prior to March 15, 2023 due to Disability or death, involuntary termination by the Company (or a Subsidiary or Affiliate) without Cause, resignation for Good Reason, or Retirement:  
(i)    With respect to the ROE-Vested Options, vesting shall be determined as follows:

(A)    If the Grantee’s employment with the Company (or a Subsidiary or Affiliate) ends before March 15, 2021, the ROE-Vested Options shall be forfeited.  

(B)    If the Grantee’s employment with the Company (or a Subsidiary or Affiliate) ends on or after March 15, 2021 and before March 15, 2023, then:

(I)    If the ROE Metric is attained for the Plan Year ending in the Grant Year in which the Grantee’s employment terminates, then the number of options that would otherwise have vested had the Grantee remained employed through the last day of such Grant Year shall be multiplied by a fraction, the numerator of which is the total number of months of employment completed by the Grantee during such Grant Year, and the denominator of which is 12, and vesting shall accelerate with respect to such number of ROE-Vested Options.  

(II)    If the ROE Metric is not attained for the Plan Year ending in the Grant Year in which the Grantee’s employment terminates, then vesting shall not be accelerated with respect to ROE-Vested Options.      

(ii)    With respect to the Stock Price-Vested Options, vesting shall be determined as follows:

(A)    If the Stock Price Goal is attained for the Grant Year in which the Grantee’s employment terminates, then the number of options that would otherwise have vested had the Grantee remained employed through the last day of such Grant Year shall be multiplied by a fraction, the numerator of which is the total number of months of employment completed by the Grantee during such Grant Year, and the denominator of which is 12, and vesting shall accelerate with respect to such number of Stock Price-Vested Options. 

(B)    If the Stock Price Goal is not attained for the Grant Year in which the Grantee’s employment terminates, then vesting shall not be accelerated with respect to Stock Price-Vested Options.   

(c)     Forfeiture.  Any Non-Statutory Stock Options which have not vested under either Section 3(a) or 3(b) upon Grantee’s termination of employment shall be forfeited and shall expire at that time. 
(d)    Exercise.  Once vested in accordance with the provisions of this Agreement, the Non-Statutory Stock Options may be exercised at any time and from time to time prior to the date such Non-Statutory Stock Options terminate pursuant to Section 4.  Non-Statutory Stock Options may only be exercised with respect to whole shares of Stock and must be exercised in accordance with Section 5.
(e)    Clawback Provisions.  

(i)    Notwithstanding anything to the contrary in this Agreement, this Award is expressly made subject to the terms of the clawback provisions set forth below.  As a result, Grantee may be required to forfeit 

his or her Award and return to the Company amounts distributed with respect to his or her Award in the situations described below.  Grantee agrees that the Company may enforce the forfeiture by all legal means available, including, without limitation, by withholding the forfeited amount from other sums owed to Grantee by the Company (or a Subsidiary or Affiliate).  

(ii)    In the event of a restatement of the Company’s financial results within three years of original reporting to correct a material error, then, if the Board determines that Grantee’s acts or omissions were a significant contributing factor to the need to issue such restatement and that all or any portion of Grantee’s Award, if the award was made prior to the restatement, would not have been awarded based upon the restated financial results, or if payment thereunder would not have been made or would have been made in a lesser amount, then Grantee agrees to forfeit and return to the Company, to the extent permitted by applicable law, the portion (which may be all) of this Award that the Board, in its discretion, determines to be appropriate.

(iii)    In the event that (A) Grantee’s employment is terminated by the Company for Cause, (B) following the termination of Grantee’s employment, the Company is or becomes aware that Grantee committed an act that would have given rise to a termination for Cause, or (C) during or following Grantee’s employment, Grantee violates a Protective Provision, then in any such event Grantee agrees to forfeit to the Company (and if return to the Company if already paid) to the extent permitted by applicable law, the portion (which may be all) of this Award or of the cash distributed in respect of vested Stock (regardless of whether vesting has occurred and cash distributed), that Grantee was awarded and that the Board, in its discretion, determines to be appropriate.  

(iv)    The Award (including cash distributed in respect of vested Stock) shall also be subject to forfeiture to the extent required by applicable law, and to the clawback provision in Section 22 of the Plan.

		
	Section 4.
	Termination of Non-Statutory Stock Options

(a)Normal Termination Date.  Unless earlier terminated pursuant to Section 4(b), 5(c), or Section 6, the Non-Statutory Stock Options shall terminate on the seventh anniversary of the Grant Date (the “Normal Termination Date”), if not exercised prior to such date.
(b)    Early Termination.  If the Grantee’s Service Relationship terminates, any Non-Statutory Stock Options held by the Grantee that have not vested before the effective date of such termination in accordance with Section 3 shall expire upon such termination of the Grantee’s Service Relationship, and, if the Grantee’s Service Relationship is terminated for Cause, all Non-Statutory Stock Options (whether or not then vested or exercisable) shall automatically expire immediately upon such termination of the Grantee’s Service Relationship.
(c)    Extension Due to Trading Policy.  If Grantee’s Non-Statutory Stock Options would otherwise expire at a time when Grantee is precluded by the Company’s trading policy from exercising his or her options, such expiration date shall be extended for 10 business days following the end of the period during which such trading policy exercise restriction is in effect.     
		
	Section 5.
	Manner of Exercise

(a)General.  Subject to such reasonable administrative regulations as the Committee may adopt from time to time, the Grantee may exercise vested Non-Statutory Stock Options by giving advance notice to the Company specifying the proposed date on which the Grantee desires to exercise a vested Non-Statutory Stock Option (the “Exercise Date”), the number of whole shares with respect to which the Non-Statutory Stock Options are being exercised (the “Exercise Shares”) and the aggregate Exercise Price for such Exercise Shares (the “Aggregate Price”).  Subject to Section 6(c) of the Plan, on or before the Exercise Date the Grantee shall deliver to the Company full payment for the Exercise Shares in United States dollars in cash, or cash equivalents satisfactory to the Company, or, if so permitted by the Committee (and on such conditions as the Committee shall determine) (i) through a net issuance arrangement pursuant to which a number of shares of Stock subject to the portion of the Non-Statutory Stock Options being exercised, having a Fair Market Value equal to the applicable exercise price plus the required minimum withholding taxes, are retained by the Company or (ii) by using a broker assisted cashless exercise program acceptable to the Committee, and the Company shall direct such issuance to be registered by the Company’s transfer agent. The Company may require the Grantee to furnish or execute such other documents as the Company shall reasonably deem necessary (A) to evidence such exercise, or (B) to comply with or satisfy the requirements of the Securities Act, applicable state or non-U.S. securities laws or any other law.
(b)Restrictions on Exercise.  Notwithstanding any other provision of this Agreement, the Non-Statutory Stock Options may not be exercised in whole or in part, and no certificates representing Exercise Shares shall be delivered, (i) unless (A) all requisite approvals and consents of any governmental authority of any kind shall have been secured, 

(B) the Exercise Shares shall have been registered under such laws, and (C) all applicable U.S. federal, state and local and non-U.S. tax withholding requirements shall have been satisfied, or (ii) if such exercise would result in a violation of the terms or provisions of or a default or an event of default under, any of the Financing Agreements.  The Company shall use its commercially reasonable efforts to obtain any consents or approvals referred to in clause (i) (A) of the preceding sentence, but shall otherwise have no obligations to take any steps to prevent or remove any impediment to exercise described in such sentence.  
(c)Treatment of Vested Non-Statutory Stock Options upon Termination of Employment.  All vested Non-Statutory Stock Options held by the Grantee following the effective date of a termination of employment shall expire if not exercised by the Grantee within the applicable period set forth below:
(i)If termination of employment is due to Retirement, the post-termination exercise period shall be three years (or the Normal Termination Date, if earlier). 
(ii)If termination of employment is due to death or Disability, the post-termination exercise period shall be one year (or the Normal Termination Date, if earlier).    
(iii)    If termination of employment occurs for any other reason (other than involuntary termination for Cause), the post-termination exercise period shall be three months (or the Normal Termination Date, if earlier).
(iv)    Notwithstanding the foregoing, with respect to ROE-Vested Options that accelerate under Section 3(b)(ii)(B)(I) upon attainment of ROE Metrics for the Plan Year ending within the Grant Year in which Grantee’s employment ends, the post-termination exercise period shall be extended until the end of the three-month period following the Committee’s certification of attainment of the ROE Metrics for such Plan Year.  
(v)    Notwithstanding the foregoing, with respect to Stock Price-Vested Options that accelerate under Section 3(b)(iii)(A) upon attainment of the Stock Price Goal for the Grant Year in which Grantee’s employment ends, the post-termination exercise period shall be extended until the end of the three-month period following the end of such Grant Year.       
		
	Section 6.
	Change in Control.

(a)General. In the event of a Change in Control, the Committee, in its discretion, may take any one or more of the following actions, to the extent permitted by Section 409A of the Code, with respect to all or any portion of the Non-Statutory Stock Options: (i) acceleration of vesting; (ii) acceleration or change of the exercise and/or expiration dates of the Non-Statutory Stock Options to require that settlement be made; (iii) cancellation of the Non-Statutory Stock Options in exchange for payment to the Grantee of the excess Fair Market Value of the Stock subject to the Non-Statutory Stock Options over the Exercise Price of the Non-Statutory Stock Options as of the date of the Change in Control; (iv) in any case where equity securities of another entity are proposed to be delivered in exchange for or with respect to the Company’s Stock, arrangement to have such other entity honor or assume the Non-Statutory Stock Options, or for new rights substituted therefor following the Change in Control in the manner set forth in Section 6(b) below (such honored, assumed, or substituted award, an “Alternative Award”); and (v) with respect to any performance metrics, conversion, on such basis as the Committee deems in its discretion, including determining performance levels as it deems appropriate, or continuation or adjustment of any of the performance metrics as it deems appropriate.
(b)Alternative Award.  Without limitation of the foregoing Section 6(a), no cancellation, acceleration, vesting, lapse of restrictions or other payment shall occur with respect to any Non-Statutory Stock Options in connection with a Change in Control if the Committee reasonably determines in good faith, prior to the occurrence of the Change in Control that the Grantee holding such Non-Statutory Stock Options shall receive an Alternative Award following the Change in Control, provided that any Alternative Award must:
(i)Give the Grantee who held such Non-Statutory Stock Options rights and entitlements substantially equivalent to or better than the rights and terms applicable under such Non-Statutory Stock Options, including but not limited to an identical or better exercise and vesting schedule and terms, and identical or better timing and methods of payment; and
(ii)Have the following terms (which shall apply if this Award is assumed, or if a replacement Award is issued):
		
	
	 (A)    if, within 2 years following a Change in Control, a Grantee’s Service Relationship is involuntarily terminated other than for Cause, or terminates for Good Reason, at a time when any portion of the Alternative Award is non-vested, vesting of the Alternative Award shall accelerate in full.  

(B)    If clause (A) is not triggered because Grantee remains employed by the acquirer, then:

(I)    The Committee may determine to convert any of the ROE Metrics on such basis as the Committee deems in its discretion, including determining performance levels as it deems appropriate, or continuation or adjustment of any of the ROE Metrics as it deems appropriate; and
(II)    The Stock Price-Vested Options shall be forfeited to the extent an applicable Stock Price Goal has not been achieved upon the Change in Control.  To the extent a Stock Price Goal has been achieved, Grantee shall continue to vest in the Stock Price-Vested Options based on continued service during the Performance Period.
(c)Limitation of Benefits.  In the event that it is determined that any acceleration of vesting, payment or other value provided under this Agreement in connection with a change in control would be considered “parachute payments” within the meaning of Section 280G of the Code (the “Parachute Payments”) that, but for this Section 6(c) would be payable to the Grantee hereunder, and would, when combined with any other Parachute Payments under any other agreement or arrangement, exceed the greatest amount of Parachute Payments that could be paid to the Grantee without giving rise to any liability for the excise tax imposed by Section 4999 of the Code (the “Excise Tax”), then the aggregate amount of Parachute Payments payable to the Grantee hereunder shall be reduced such that it shall not exceed the amount that produces the greatest after-tax benefit to the Grantee after taking into account any Excise Tax to be payable by the Grantee.  

Section 7.Miscellaneous.
(a)Withholding.  The Company or a Subsidiary or Affiliate, shall have the power to withhold, or to require the Grantee to remit to the Company an amount in cash sufficient to satisfy any applicable U.S. federal, state and local and non-U.S. tax withholding or other similar charges or fees that may arise in connection with the grant, vesting, exercise or purchase of the Non-Statutory Stock Options.
(b)Authorization to Share Personal Data.  The Grantee authorizes any affiliate of the Company that has or lawfully obtains personal data relating to the Grantee to divulge or transfer such personal data to the Company or to a third party, in each case in any jurisdiction, if and to the extent necessary or appropriate in connection with this Agreement or the administration of the Plan.
(c)No Rights as Stockholder; No Voting Rights.  The Grantee shall have no rights as a stockholder of the Company with respect to any shares of Stock covered by the Non-Statutory Stock Options until the exercise of the Non-Statutory Stock Options and delivery of the shares of Stock.  Except as provided in Section 14 of the Plan, no adjustment shall be made for dividends or other rights for which the record date is prior to the delivery of the shares of Stock.  
(d)No Right to Continued Service Relationship.  Nothing in this Agreement shall be deemed to confer on the Grantee any right to a continued Service Relationship or to interfere with or limit in any way the right of the Company or a Subsidiary or Affiliate to terminate such Service Relationship at any time. 
(e)Notices.  All notices and other communications required or permitted to be given under this Agreement shall be in writing and shall be deemed to have been given if delivered personally or sent by certified or express mail, return receipt requested, postage prepaid, or by any recognized international equivalent of such delivery, to the Company or the Grantee, as the case may be, at the following addresses or to such other address as the Company or the Grantee, as the case may be, shall specify by notice to the other:
(i)if to the Company, to it at:
FGL Holdings
P.O. Box 309
Ugland House
Grand Cayman
KY1-1104
Cayman Islands
Attn: General Counsel

with a copy to:

FGL Holdings
Two Ruan Center
601 Locust Street
Suite 1400
Des Moines, IA  50309
Attn: General Counsel

(ii)if to the Grantee, to the Grantee at his or her most recent address as shown on the books and records of the Company.
All such notices and communications shall be deemed to have been received on the date of delivery if delivered personally or on the third business day after the mailing thereof.  
As an alternative to delivery of a physical notice or other communication, either party may provide notice or communicate by email, using an email address provided by the other party.   
(f)Binding Effect; Benefits.  This Agreement shall be binding upon and inure to the benefit of the parties to this Agreement and their respective successors and assigns.  Nothing in this Agreement, express or implied, is intended or shall be construed to give any person other than the parties to this Agreement or their respective successors or assigns any legal or equitable right, remedy or claim under or in respect of any agreement or any provision contained herein.
(g)Waiver.  Any party hereto or beneficiary hereof may by written notice to the other parties (i) extend the time for the performance of any of the obligations or other actions of the other parties under this Agreement, (ii) waive compliance with any of the conditions or covenants of the other parties contained in this Agreement, and (iii) waive or modify performance of any of the obligations of the other parties under this Agreement.  Except as provided in the preceding sentence, no action taken pursuant to this Agreement, including, without limitation, any investigation by or on behalf of any party or beneficiary, shall be deemed to constitute a waiver by the party or beneficiary taking such action of compliance with any representations, warranties, covenants or agreements contained herein.  The waiver by any party hereto or beneficiary hereof of a breach of any provision of this Agreement shall not operate or be construed as a waiver of any preceding or succeeding breach and no failure by a party or beneficiary to exercise any right or privilege hereunder shall be deemed a waiver of such party’s or beneficiary’s rights or privileges hereunder or shall be deemed a waiver of such party’s or beneficiary’s rights to exercise the same at any subsequent time or times hereunder.
(h)Amendment.  This Agreement may be amended by the Company from time to time; provided, however, that no amendment may be made that would materially adversely affect the Grantee, without the written consent of the Grantee. 
(i)Assignability.  Neither this Agreement nor any right, remedy, obligation or liability arising hereunder or by reason hereof shall be assignable by the Company or the Grantee without the prior written consent of the other party.
(j)Arbitration; Waiver of Jury Trial.   Any dispute between the parties hereto arising under or relating to this Agreement shall be resolved in accordance with the procedures of the American Arbitration Association.  Any resulting hearing shall be held in the Des Moines, Iowa metropolitan area.  The resolution of any dispute achieved through such arbitration shall be binding and enforceable by a court of competent jurisdiction.  THE PARTIES TO THIS AGREEMENT HEREBY WAIVE THEIR RIGHT TO A JURY TRIAL.
(k)Titles and Headings.  The titles and headings of the sections in this Agreement are for convenience of reference only and shall not affect the meaning or interpretation of this Agreement.
(l)Gender and Number.  Except where otherwise indicated by the context, any masculine term used herein shall also include the feminine; the plural shall include the singular and the singular shall include the plural.
(m)Counterparts.  This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original and all of which together shall constitute one and the same instrument.
IN WITNESS WHEREOF, the Company and the Grantee have executed this Agreement as of the date first above written.
FGL HOLDINGS
		
	By:
	___________________________

Name: Christopher J. Littlefield
Title: CEO & President
GRANTEE:
                                                                _______________________________
Name: 

APPENDIX A

NON-COMPETITION AND OTHER PROTECTIVE PROVISIONS

Definitions.  For purposes of this Appendix A, the following terms shall have the meanings set forth below:
“Client” or “Client List” means all Past, Present and Potential Clients as defined below;
“Company” means FGL Holdings and its direct and indirect subsidiaries;
“Confidential Information” means all secret, confidential or otherwise non-public information, knowledge or data relating to the Company, and their respective businesses or financial affairs, whether or not in writing, including but not limited to information related to:  their suppliers and their businesses; prices charged to and terms of business with their customers; their marketing plans and sales forecasts; their financial information, results and forecasts; their proposals or plans for the acquisition or disposal of a company or business or any part thereof; their proposals or plans for any expansion or reduction of activities; their employees, including the employees’ performance, compensation and benefits; their research activities, inventions, trade secrets, designs, formulas and product lines; any information provided to the Company in confidence by its affiliates, customers, suppliers or other parties; and the identity and other information concerning and related to Clients;
 “Past Client” means any person or entity who had been an advisee, investment advisory or insurance customer, distributor or client of the Company;
“Potential Client” means any person or entity to whom the Company has offered (by means of a personal meeting, telephone call, or a letter or written proposal specifically directed to the particular person or entity) to serve as investment adviser or to provide or distribute insurance products but which is not at such time an advisee, investment advisory or insurance customer, distributor or client of the Company or any person or entity for which a plan exists to make such an offer; persons or entities solicited or to be solicited solely by non-personalized form letters and blanket mailings are excluded from this definition;
“Present Client” means any person or entity who is an advisee, investment advisory or insurance customer, distributor or client of the Company.
1.    All Business to Be the Property of the Company; Assignment of Intellectual Property.

(A)Grantee agrees that any and all presently existing investment advisory and insurance business of the Company and all business developed by Grantee or any other employee of the Company, including without limitation all investment advisory and insurance contracts, distribution agreements, fees, commissions, compensation records, performance records, Client Lists, agreements and any other incident of any business developed or sought by the Company or earned or carried on by Grantee during his/her employment with the Company are and shall be the exclusive property of the Company for its sole use, and (where applicable) shall be payable directly to the Company.  Grantee grants to the Company the Grantee’s entire right, title and interest throughout the world, if any, in and to all research, information, Client Lists, product lists, distributor lists, identities, investment profiles and particular needs and characteristics of Clients, performance records, and all other investment advisory, insurance, technical and research data made, conceived, developed and/or acquired by Grantee solely, jointly or in common with others during the period of Grantee’s employment by the Company, that relate to the Company’s business as it was or is now rendered or as it may, from time to time, hereafter be rendered or proposed to be rendered while Grantee is employed by the Company.
(B)Any inventions and any copyrightable material developed by Grantee in the scope of his/her employment with the Company shall be promptly disclosed to the Company and will be “works for hire” owned by the Company.  Grantee will, at the Company’s expense, do whatever is necessary to transfer to the Company, and document its ownership of, any such property.

2.    Confidentiality.  Grantee shall not, either during the period of Grantee’s employment with the Company or thereafter, use for Grantee’s own benefit or disclose to or use for the benefit of any person outside the Company, any information not already lawfully available to the public concerning Confidential Information, whether Grantee has such information in Grantee’s memory or embodied in writing or other tangible or electronic form.  All Confidential Information, and all originals and copies of any Confidential Information, and any other written material relating to the business of the Company, including information stored electronically, shall be the sole property of the Company.  Grantee acknowledges and agrees that the Confidential Information has been and will be developed by the effort and expense of the Company; that such Confidential Information has economic value to the Company and would have significant economic value to the Company’s competitors if divulged; that the Confidential Information is not available to the Company’s competitors; and that keeping the Confidential Information from the Company’s competitors has economic value to the Company.  Upon the termination of Grantee’s employment in any manner or for any reason, 

Grantee shall promptly surrender to the Company all originals and copies of any Confidential Information, and Grantee shall not thereafter retain or use any Confidential Information for any purpose.
3.    Client Information.  Grantee acknowledges that while employed by the Company, Grantee will have contact with and become aware of the Company’s Clients and distributors and the representatives of those Clients and distributors, names and addresses, specific client and distributor needs and requirements, and leads and references to Potential Clients (together with the Client List, collectively, the “Client Information”).  Grantee agrees that the Client Information constitutes a trade secret and otherwise is a valuable asset of the Company.  Grantee further agrees that the Client Information has been and will be developed by the Company and would have significant economic value to the Company’s competitors if divulged; that the Client Information is not available to the Company’s competitors; that keeping the Client Information confidential from the Company’s competitors has economic value to the Company; and that the Company takes reasonable steps to protect the confidentiality of the Client Information.
4.    Restrictive Covenants.
(A)For eighteen (18) months following the Termination Date, irrespective of the reason for the termination, Grantee shall not, directly or indirectly, solicit or attempt to solicit, or assist others in soliciting or attempting to solicit any Client of the Company for the purpose of providing investment advisory or insurance services or products or distribution services.  Grantee agrees that the restriction contained in this Section is necessary to protect the Company’s business and property in which the Company has made a considerable investment, and to prevent misuse of the Confidential and Client Information.  For purposes of this Paragraph 4(A), Client means:

“Past Client” means any person or entity who had been an advisee, investment advisory or insurance customer, distributor or client of the Company during the one (1) year period immediately preceding the termination of Grantee’s employment with the Company and with which Grantee dealt while at the Company or which became known to Grantee during the course of his/her employment at the Company.
“Potential Client” means any person or entity to whom the Company has offered (by means of a personal meeting, telephone call, or a letter or written proposal specifically directed to the particular person or entity) within the one (1) year immediately preceding the termination of Grantee’s employment to serve as investment adviser or to provide or distribute insurance products but which is not at such time an advisee, investment advisory or insurance customer, distributor or client of the Company and with which Grantee dealt while at the Company or which became known to Grantee during the course of his/her employment at the Company; this definition includes persons or entities for which a plan exists to make such an offer, but excludes persons or entities solicited or to be solicited solely by non-personalized form letters and blanket mailings.
“Present Client” means any person or entity who at the time of Grantee’s termination of employment is an advisee, investment advisory or insurance customer, distributor or client of the Company and with which Grantee dealt while at the Company or which became known to Grantee during the course of his/her employment at the Company.
(B)For eighteen (18) months following the termination of Grantee’s employment with the Company, irrespective of the reason for the termination, Grantee shall not directly or indirectly solicit, recruit, induce away, or attempt to solicit, recruit, or induce away, or hire any employee, director, officer or agent of, contractor or consultant of the Company with whom Grantee had contact during Grantee’s employment with the Company.  For purposes of this paragraph, “contact” means any personal interaction whatsoever between the individual and Grantee.
(C)For six (6) months following the termination of the Grantee’s employment with the Company, irrespective of the reason for the termination, the Grantee shall not without the written consent of the Company, directly or indirectly carry on or participate in a Competing Business (as defined below).  A “Competing Business” shall mean a life insurance or annuity business, or a business in the life insurance or annuity industry, in the United States of America.  The term “carry on or participate in a Competing Business” shall include engaging in any of the following activities, directly or indirectly:  (i) Carrying on or engaging in a Competing Business as a principal, or on the Grantee’s own account, or solely or jointly with others as a director, officer, agent, employee, consultant or partner, or stockholder, limited partner or other interest holder owning more than five (5) percent of the stock or equity interests or securities convertible into more than five (5) percent of the stock or equity interests in any entity that is carrying on or engaging in a Competing Business; (ii) as agent or principal, carrying on or engaging in any activities or negotiations with respect to the acquisition or disposition of a Competing Business; (iii) extending credit for the purpose of establishing or operating a Competing Business; (iv) lending or allowing the Grantee’s name or reputation to be used in a Competing Business; (v) otherwise allowing the Grantee’s skill, knowledge or experience to be used in a Competing Business.
(D)Grantee and the Company agree that the periods of time and the unlimited geographic area applicable to the covenants of this Appendix A are reasonable and necessary to protect the legitimate business interests and goodwill of the Company in view of (1) Grantee’s senior Grantee position within the Company, (2) the geographic scope and nature of the business 

in which the Company is engaged, (3) Grantee’s knowledge of the Company’s business and (4) Grantee’s relationships with the Clients.
5.    The Company shall have the right to communicate Grantee’s ongoing obligations under this Agreement to any entity or individual with whom Grantee becomes employed by or otherwise engaged following termination of employment with the Company and Grantee consents to the Company making that communication.
6.    To the extent any of the covenants of this Appendix A shall be deemed illegal or unenforceable by a court or other tribunal of competent jurisdiction with respect to (A) geographic area, (B) time period, (C) any activity or capacity covered by such covenant or contractual provision, or (D) any other term or provision of such covenant or contractual provision, the covenant or contractual provision shall be construed to the maximum breadth determined to be legal and enforceable and the illegality or unenforceability of any one covenant or contractual provision shall not affect the legality and enforceability of the other covenants or contractual provisions.

APPENDIX B
VESTING TERMS (REFERENCED IN SECTION 3(a) OF THE GRANT AGREEMENT)
ROE-Vested Options.  One-half (1/2) of the Non-Statutory Stock Options granted hereunder shall vest in 1/3 increments based on attainment of the following ROE Metrics, subject to the continuous existence of a Service Relationship between the Company and the Grantee until each applicable vesting date, as follows.  If the stated ROE Metric for a Plan Year ending within a Grant Year is not satisfied as of the last day of such Plan Year, the 1/3 increment for such Grant Year shall be forfeited. 
	
				
	 
	ROE (measured as of December 31, 2020): 16.50%
Vesting Date:
March 15, 2021
	ROE (measured as of December 31, 2021): 17.50%
Vesting Date:
March 15, 2022
	ROE (measured as of December 31, 2022): 18.50%
Vesting Date:
March 15, 2023

	Incremental Vested Percentage of the 1/2 (Number of Options)
	1/3
X options
	1/3
X options
	1/3
X options

CONTINUED ON FOLLOWING PAGE

Stock Price-Vested Options.  One-half (1/2) of the Non-Statutory Stock Options granted hereunder shall vest based on attainment of the following Stock Price Goals, subject to the continuous existence of a Service Relationship between the Company and the Grantee until each applicable vesting date, as follows.  If the stated Stock Price Goal for a Grant Year has not been satisfied during the Grant Year, the 20% increment for such Grant Year shall be forfeited. 
	
						
	 
	Minimum Stock Price: $12.00
Vesting  Date: 
March 15, 2019
	Minimum Stock Price: $14.50
Vesting Date:
March 15, 2020
	Minimum Stock Price: $17.00
Vesting Date:
March 15, 2021
	Minimum Stock Price: $21.00
Vesting Date:
March 15, 2022
	Minimum Stock Price: $25.00
Vesting Date:
March 15, 2023

	Incremental Vested Percentage of the 1/2 (Number of Options)
	20%
X options
	20%
X options
	20%
X options
	20%
X options
	20%
X optionsExhibit

Exhibit 10.58
    

INDEMNIFICATION AGREEMENT
This Indemnification Agreement (this “Agreement”), dated as of ____________________ is made by and between FGL Holdings, a Cayman Islands exempted company, (the “Company”), and _____________________ (“Indemnitee”).
RECITALS
The Company desires to attract and retain the services of highly qualified individuals, such as Indemnitee, to serve the Company and its affiliates.
In order to induce Indemnitee to continue to provide services to the Company and its affiliates the Company wishes to provide for the indemnification of, and advancement of expenses to, Indemnitee to the maximum extent permitted by law.
The Amended and Restated Memorandum and Articles of Association (the “Charter”) of the Company provide for indemnification of the officers and directors of the Company, and Indemnitee may also be entitled to indemnification pursuant to the Companies Law of the Cayman Islands (the “Companies Law”). 
The Charter and the Companies Law expressly provide that the indemnification provisions set forth therein are not exclusive, and thereby contemplate that contracts may be entered into between the Company and members of the board of directors, officers and other persons with respect to indemnification.
The Company and Indemnitee recognize the continued difficulty in obtaining liability insurance for the Company’s directors, officers, employees, agents and fiduciaries, the significant and continual increases in the cost of such insurance and the general trend of insurance companies to reduce the scope of coverage of such insurance.
The Company and Indemnitee further recognize the substantial increase in corporate litigation in general, subjecting directors, officers, employees, agents and fiduciaries to expensive litigation risks at the same time as the availability and scope of coverage of liability insurance provide increasing challenges for the Company.
Indemnitee does not regard the protection currently provided by applicable law, the Company’s governing documents and available insurance as adequate under the present circumstances, and Indemnitee may not be willing to continue to serve in such capacity without additional protection.
The Board of Directors of the Company (the “Board”) has determined that the increased difficulty in attracting and retaining highly qualified persons such as Indemnitee is detrimental to the best interests of the Company’s shareholders and that the Company should act to assure Indemnitee that there will be increased certainty of such protection in the future.
It is reasonable, prudent and necessary for the Company contractually to obligate itself to indemnify, and to advance expenses on behalf of, such persons to the fullest extent permitted by applicable law, regardless of any amendment or revocation of the Charter, so that they will serve or continue to serve the Company free from undue concern that they will not be so indemnified.
This Agreement is a supplement to and in furtherance of the indemnification provided in the Charter and the Companies Law and any resolutions adopted pursuant thereto, and shall not be deemed a substitute therefor, nor to diminish or abrogate any rights of Indemnitee thereunder.
The Company and Indemnitee hereby as follows:
Section 1.Services to the Company.  Indemnitee agrees to serve as a director or officer of the Company and in such other capacities as Indemnitee may serve at the request of the Company from time to time.  Subject to the terms and conditions of any applicable employment agreement between Indemnitee and the Company, Indemnitee may at any time and for any reason resign from such position, in which event the Company shall have no obligation under this Agreement to continue Indemnitee in such position.  This Agreement shall not be deemed an employment contract between the Company (or any of its subsidiaries or any Enterprise) and Indemnitee.  The foregoing notwithstanding, this Agreement shall be effective as of the date the Indemnitee commenced services as a director or officer of the Company as applicable and in such other capacities as Indemnitee may serve 

at the request of the Company from time to time and continue in force after Indemnitee has ceased to serve as a director or officer of the Company and any of its affiliates.
Section 2.Definitions.  As used in this Agreement:
(a)“Corporate Status” describes the status of a person as a current or former director, officer, employee, agent, fiduciary or trustee of the Company or of any other Enterprise which such person is or was serving at the request of the Company.
(b)“Enforcement Expenses” shall include all reasonable attorneys’ fees, retainers, court costs, transcript costs, fees of experts, witness fees, travel expenses, duplicating costs, printing and binding costs, telephone charges, postage, delivery service fees and all other disbursements or expenses of the types customarily incurred in connection with an action to enforce indemnification or advancement rights, or an appeal from such action, including, without limitation, the premium, security for and other costs relating to any cost bond, supersedeas bond or other appeal bond or its equivalent.
(c)“Enterprise” shall mean any corporation (other than the Company), partnership, joint venture, trust, employee benefit plan or other legal entity of which Indemnitee is or was serving at the request of the Company as a director, officer, employee, agent, trustee, fiduciary or other Corporate Status.
(d)“Expenses” shall include all reasonable attorneys’ fees, retainers, court costs, transcript costs, fees of experts, witness fees, travel expenses, duplicating costs, printing and binding costs, telephone charges, postage, delivery service fees and all other disbursements or expenses of the types customarily incurred in connection with prosecuting, defending, preparing to prosecute or defend, investigating, being or preparing to be a witness in, or otherwise participating in, a Proceeding or an appeal resulting from a Proceeding, including, without limitation, the premium, security for and other costs relating to any cost bond, supersedeas bond or other appeal bond or its equivalent.  Expenses, however, shall not include amounts paid in settlement by Indemnitee or the amount of judgments or fines against Indemnitee.
(e)“Indemnitee-Related Entity” means any corporation, partnership, joint venture, trust, employee benefit plan or other legal entity (other than the Company or any Enterprise) from whom an Indemnitee may be entitled to indemnification or advancement with respect to which, in whole or in part, the Company may also have an indemnification or advancement obligation (other than as a result of obligations under an insurance policy).
(f)“Independent Counsel” means a law firm, or a partner (or, if applicable, member) of such a law firm, that is experienced in matters of Cayman Islands corporation law and neither presently is, nor in the past five years has been, retained to represent: (i) the Company, any Enterprise or Indemnitee or any of their affiliates in any matter material to any such party (other than with respect to matters concerning Indemnitee under this Agreement, or of other indemnitees under similar indemnification agreements), or (ii) any other party to the Proceeding giving rise to a claim for indemnification hereunder.  Notwithstanding the foregoing, the term “Independent Counsel” shall not include any person who, under the applicable standards of professional conduct then prevailing, would have a conflict of interest in representing either the Company or Indemnitee in an action to determine Indemnitee’s rights under this Agreement.  The Company agrees to pay the reasonable fees and expenses of the Independent Counsel and to fully indemnify such counsel against any and all expenses, claims, liabilities and damages arising out of or relating to this Agreement or its engagement pursuant hereto.
(g)“Jointly Indemnifiable Proceeding” means any Proceeding for which the Indemnitee shall be entitled to indemnification from both an Indemnitee-Related Entity and the Company pursuant to applicable law, any indemnification agreement or the memorandum and articles of association, certificate of incorporation, bylaws, partnership agreement, operating agreement, certificate of formation, certificate of limited partnership or comparable organizational documents of the Company and an Indemnitee-Related Entity.
(h)The term “Proceeding” shall include any threatened, pending or completed action, suit, arbitration, alternate dispute resolution mechanism, investigation, inquiry, administrative hearing or any other actual, threatened or completed proceeding, whether brought in the right of the Company or otherwise and whether of a civil, criminal, administrative or investigative nature, in which Indemnitee was, is or will be involved as a party or otherwise by reason of the fact that Indemnitee is or was a director or officer of the Company or is or was serving at the request of the Company as a director, officer, employee, agent, fiduciary or trustee of any Enterprise or by reason of any action taken by him or of any action taken on his part while acting as director or officer of the Company or while serving at the request of the Company as a director, officer, employee, agent, fiduciary or trustee of any Enterprise, in each case whether or not serving in such capacity at the time any liability or expense is incurred for which indemnification, reimbursement or advancement of expenses can be provided under this Agreement; provided, however, that the term “Proceeding” shall not include any action, suit or arbitration, or part thereof, initiated by Indemnitee to enforce Indemnitee’s rights under this Agreement as provided for in Section 13(e) of this Agreement.
Section 3.Indemnity in Third-Party Proceedings.  The Company shall indemnify Indemnitee in accordance with the provisions of this Section 3 if Indemnitee is, or is threatened to be made, a party to or a participant in any Proceeding, other than a Proceeding by or in the right of the Company to procure a judgment in its favor.  Pursuant to this Section 3, Indemnitee shall be indemnified against all Expenses, judgments, fines and amounts paid in settlement actually and reasonably incurred by Indemnitee or on his behalf in connection with such Proceeding or any claim, issue or matter therein, if Indemnitee acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the Company and, in the case of a criminal proceeding, had no reasonable cause to believe that his conduct was unlawful.

Section 4.Indemnity in Proceedings by or in the Right of the Company.  The Company shall indemnify Indemnitee in accordance with the provisions of this Section 4 if Indemnitee is, or is threatened to be made, a party to or a participant in any Proceeding by or in the right of the Company to procure a judgment in its favor.  Pursuant to this Section 4, Indemnitee shall be indemnified against all Expenses actually and reasonably incurred by him or on his behalf in connection with such Proceeding or any claim, issue or matter therein, if Indemnitee acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the Company.  No indemnification for Expenses shall be made under this Section 4 in respect of any claim, issue or matter as to which Indemnitee shall have been finally adjudged by a court to be liable to the Company, unless and only to the extent that the Grand Court of the Cayman Islands (the “Islands Court”) or any court in which the Proceeding was brought shall determine upon application that, despite the adjudication of liability but in view of all the circumstances of the case, Indemnitee is fairly and reasonably entitled to indemnification for such expenses as the Cayman Islands Court or such other court shall deem proper.
Section 5.Indemnification for Expenses of a Party Who is Wholly or Partly Successful.  Notwithstanding any other provisions of this Agreement and except as provided in Section 8, to the extent that Indemnitee is a party to or a participant in and is successful, on the merits or otherwise, in any Proceeding or in defense of any claim, issue or matter therein, the Company shall indemnify Indemnitee against all Expenses actually and reasonably incurred by him or on his behalf in connection therewith.  If Indemnitee is not wholly successful in such Proceeding but is successful, on the merits or otherwise, as to one or more but less than all claims, issues or matters in such Proceeding, the Company shall indemnify Indemnitee against all Expenses actually and reasonably incurred by him or on his behalf in connection with each successfully resolved claim, issue or matter.  For purposes of this Section 5 and without limitation, the termination of any claim, issue or matter in such a Proceeding by dismissal, with or without prejudice, shall be deemed to be a successful result as to such claim, issue or matter.
Section 6.Indemnification For Expenses of a Witness.  Notwithstanding any other provision of this Agreement, to the extent that Indemnitee is, by reason of his Corporate Status, a witness, or is made (or asked to) respond to discovery requests, in any Proceeding to which Indemnitee is not a party and is not threatened to be made a party, he shall be indemnified against all Expenses actually and reasonably incurred by him or on his behalf in connection therewith.
Section 7.Additional Indemnification.
(a)Except as provided in Section 8, notwithstanding any limitation in Sections 3, 4 or 5, the Company shall indemnify Indemnitee to the fullest extent permitted by law if Indemnitee is a party to or is threatened to be made a party to any Proceeding (including a Proceeding by or in the right of the Company to procure a judgment in its favor) against all Expenses, judgments, fines and amounts paid in settlement actually and reasonably incurred by Indemnitee in connection with the Proceeding.
(b)For purposes of Section 7(a), the meaning of the phrase “to the fullest extent permitted by law” shall include, but not be limited to:
i.to the fullest extent permitted by the provision of the Companies Law that authorizes or contemplates additional indemnification by agreement, or the corresponding provision of any amendment to or replacement of the Companies Law or such provision thereof; and
ii.to the fullest extent authorized or permitted by any amendments to or replacements of the Companies Law adopted after the date of this Agreement that increase the extent to which a corporation may indemnify its officers and directors.
Section 8.Exclusions.  Notwithstanding any provision in this Agreement to the contrary, the Company shall not be obligated under this Agreement:
(a)subject  to Section 14(e), to make any indemnity for amounts otherwise indemnifiable hereunder (or for which advancement is provided hereunder) if and to the extent that Indemnitee has otherwise actually received such amounts under any insurance policy, contract, agreement or otherwise;
(b)to make any indemnity for an accounting of profits made from the purchase and sale (or sale and purchase) by Indemnitee of securities of the Company within the meaning of Section 16(b) of the Securities Exchange Act of 1934, as amended, or similar provisions of state statutory law or common law; or
(c)to make any indemnity or advancement that is prohibited by applicable law.
Section 9.Advances of Expenses.  The Company shall advance the Expenses incurred by Indemnitee in connection with any Proceeding, and such advancement shall be made within five (5) business days after the receipt by the Company of a statement or statements requesting such advances (which shall include invoices received by Indemnitee in connection with such Expenses but, in the case of invoices in connection with legal services, any references to legal work performed or to expenditures made that would cause Indemnitee to waive any privilege accorded by applicable law shall not be included with the invoice) from time to time, whether prior to or after final disposition of any Proceeding.  Advances shall be unsecured and interest free.  Advances shall be made without regard to Indemnitee’s ability to repay the expenses and without regard to Indemnitee’s ultimate entitlement to indemnification under the other provisions of this Agreement.  Indemnitee shall qualify for advances upon the execution and delivery to the Company of this Agreement which shall constitute an undertaking providing that Indemnitee undertakes to the fullest extent required by law to repay the advance if and to the extent that it is ultimately determined by a court of competent jurisdiction in a final judgment, not subject to appeal, that Indemnitee is not entitled to be indemnified by the Company.  The right 

to advances under this paragraph shall in all events continue until final disposition of any Proceeding, including any appeal therein.  Nothing in this Section 9 shall limit Indemnitee’s right to advancement pursuant to Section 13(e) of this Agreement.
Section 10.Procedure for Notification and Defense of Claim.  To obtain indemnification under this Agreement, Indemnitee shall submit to the Company a written request therefor and, if Indemnitee so chooses pursuant to Section 11 of this Agreement, such written request shall also include a request for Indemnitee to have the right to indemnification determined by Independent Counsel.
Section 11.Procedure Upon Application for Indemnification.
(a)Upon written request by Indemnitee for indemnification pursuant to Section 10(a), a determination, if such determination is required by applicable law, with respect to Indemnitee’s entitlement thereto shall be made in the specific case: (i) by Independent Counsel in a written opinion to the Board if Indemnitee so requests in such written request for indemnification pursuant to Section 10, or (ii) by the Company in accordance with applicable law if Indemnitee does not so request such determination be made by Independent Counsel.  In the case that such determination is made by Independent Counsel, a copy of Independent Counsel’s written opinion shall be delivered to Indemnitee and, if it is so determined that Indemnitee is entitled to indemnification, payment to Indemnitee shall be made within ten (10) days after such determination.  Indemnitee shall cooperate with the Independent Counsel or the Company, as applicable, making such determination with respect to Indemnitee’s entitlement to indemnification, including providing to such counsel or the Company, upon reasonable advance request, any documentation or information which is not privileged or otherwise protected from disclosure and which is reasonably available to Indemnitee and reasonably necessary to such determination.  Any costs or expenses (including attorneys’ fees and disbursements) incurred by Indemnitee in so cooperating with the Independent Counsel or the Company shall be borne by the Company (irrespective of the determination as to Indemnitee’s entitlement to indemnification) and the Company hereby indemnifies and agrees to hold Indemnitee harmless therefrom.
(b)In the event that Indemnitee exercises his right to have his entitlement to indemnification determined by Independent Counsel pursuant to Sections 10 and 11(a)(i), the Independent Counsel shall be selected by Indemnitee.  The Company may, within ten (10) days after written notice of such selection, deliver to Indemnitee a written objection to such selection; provided, however, that such objection may be asserted only on the ground that the Independent Counsel so selected does not meet the requirements of “Independent Counsel” as defined in Section 2 of this Agreement, and the objection shall set forth with particularity the factual basis of such assertion.  Absent a proper and timely objection, the person so selected shall act as Independent Counsel.  If such written objection is so made and substantiated, the Independent Counsel so selected may not serve as Independent Counsel unless and until such objection is withdrawn or a court has determined that such objection is without merit.  If, within twenty (20) days after the later of (i) submission by Indemnitee of a written request for indemnification and Independent Counsel pursuant to Sections 10 and 11(a)(i) hereof, respectively, and (ii) the final disposition of the Proceeding, including any appeal therein, no Independent Counsel shall have been selected without objection, Indemnitee may petition a court of competent jurisdiction for resolution of any objection which shall have been made by the Company to the selection of Independent Counsel and/or for the appointment as Independent Counsel of a person selected by the court or by such other person as the court shall designate.  The person with respect to whom all objections are so resolved or the person so appointed shall act as Independent Counsel under Section 11(a) hereof.  Upon the due commencement of any judicial proceeding or arbitration pursuant to Section 13(a) of this Agreement, Independent Counsel shall be discharged and relieved of any further responsibility in such capacity (subject to the applicable standards of professional conduct then prevailing).
Section 12.Presumptions and Effect of Certain Proceedings.
(a)In making a determination with respect to entitlement to indemnification hereunder, it shall be presumed that Indemnitee is entitled to indemnification under this Agreement if Indemnitee has submitted a request for indemnification in accordance with Section 10 of this Agreement, and the Company shall have the burden of proof to overcome that presumption in connection with the making of any determination contrary to that presumption.  In an action to enforce this Agreement, neither (i) the failure of the Company or of Independent Counsel to have made a determination prior to the commencement of any action pursuant to this Agreement that indemnification is proper in the circumstances because Indemnitee has met the applicable standard of conduct, nor (ii) an actual determination by the Company or by Independent Counsel that Indemnitee has not met such applicable standard of conduct, shall be a defense to the action or create a presumption that Indemnitee has not met the applicable standard of conduct.
(b)Indemnitee shall be deemed to have acted in good faith to the extent Indemnitee’s action is based on the records or books of account of the Company or any other Enterprise, including financial statements, or on information supplied to Indemnitee by the officers of the Company or any other Enterprise in the course of their duties, or on the advice of legal counsel for the Company or any other Enterprise, or for any committee of the Board or the board of directors of any other Enterprise, or on information or records given or reports made to the Company or any other Enterprise, or to any committee of the Board or the board of directors of any other Enterprise, by an independent certified public accountant or by an appraiser or other expert selected with reasonable care by the Company or any other Enterprise, or by any committee of the Board or the board of directors of any other Enterprise.
(c)The termination of any Proceeding or of any claim, issue or matter therein, by judgment, order, settlement or conviction, or upon a plea of guilty, nolo contendere or its equivalent, shall not (except as otherwise expressly provided in this Agreement) of itself adversely affect the right of Indemnitee to indemnification or create a presumption that 

Indemnitee did not act in good faith or in a manner which he reasonably believed to be in or not opposed to the best interests of the Company or, with respect to any criminal Proceeding, that Indemnitee had reasonable cause to believe that his conduct was unlawful.  The Company acknowledges that a settlement or other disposition short of final judgment may be successful if it permits a party to avoid expense, delay, distraction, disruption and uncertainty.
(d)The knowledge and/or actions, or failure to act, of any director, officer, agent, fiduciary or employee of the Company or any Enterprise shall not be imputed to Indemnitee for purposes of determining the right to indemnification under this Agreement.  Whether or not the foregoing provisions of this Section 12 are satisfied, it shall in any event be presumed that Indemnitee has at all times acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the Company.  Anyone seeking to overcome this presumption shall have the burden of proof and the burden of persuasion by clear and convincing evidence.
Section 13.Remedies of Indemnitee.
(a)Subject to Section 13(f), in the event that (i) a determination is made pursuant to Section 11 of this Agreement that Indemnitee is not entitled to indemnification under this Agreement, (ii) advancement of Expenses is not timely made pursuant to Section 9 of this Agreement, (iii) Indemnitee has submitted a request for indemnification that does not include a request for Independent Counsel and no determination of entitlement to indemnification shall have been made pursuant to Section 11(a) of this Agreement within sixty (60) days after receipt by the Company of such request, (iv) Indemnitee has submitted a request for indemnification that does include a request for Independent Counsel and no determination of entitlement to indemnification shall have been made pursuant to Section 11(a) of this Agreement within sixty (60) days after either (A) the ten (10) day period for objection to the selection of Independent Counsel has expired with no objection made or (B), if such an objection has been made, resolution of any such objection, (v) payment of indemnification is not made pursuant to Section 5 or 6 or the last sentence of Section 11(a) of this Agreement within ten (10) days after receipt by the Company of a written request therefor, or (vi) payment of indemnification pursuant to Section 3, 4 or 7 of this Agreement is not made within ten (10) days after a determination has been made that Indemnitee is entitled to indemnification, Indemnitee shall be entitled to an adjudication by a court of his entitlement to such indemnification or advancement. Alternatively, Indemnitee, at his option, may seek an award in arbitration to be conducted by a single arbitrator pursuant to the Commercial Arbitration Rules of the American Arbitration Association.  Indemnitee shall commence such proceeding seeking an adjudication or an award in arbitration within one hundred and eighty (180) days following the date on which Indemnitee first has the right to commence such proceeding pursuant to this Section 13(a); provided, however, that the foregoing time limitation shall not apply in respect of a proceeding brought by Indemnitee to enforce his rights under Section 5 of this Agreement.  The Company shall not oppose Indemnitee’s right to seek any such adjudication or award in arbitration.
(b)In the event that a determination shall have been made pursuant to Section 11(a) of this Agreement that Indemnitee is not entitled to indemnification, any judicial proceeding or arbitration commenced pursuant to this Section 13 shall be conducted in all respects as a de novo trial, or arbitration, on the merits and Indemnitee shall not be prejudiced by reason of that adverse determination.  In any judicial proceeding or arbitration commenced pursuant to this Section 13, the Company shall have the burden of proving Indemnitee is not entitled to indemnification or advancement, as the case may be.
(c)If a determination shall have been made pursuant to Section 11(a) of this Agreement that Indemnitee is entitled to indemnification, the Company shall be bound by such determination in any judicial proceeding or arbitration commenced pursuant to this Section 13, to the fullest extent permitted by law.
(d)The Company shall be precluded from asserting in any judicial proceeding or arbitration commenced pursuant to this Section 13 that the procedures and presumptions of this Agreement are not valid, binding and enforceable and shall stipulate in any such court or before any such arbitrator that the Company is bound by all the provisions of this Agreement.
(e)The Company shall indemnify Indemnitee against any and all Enforcement Expenses and, if requested by Indemnitee, subject to Section 9, shall (within ten (10) days after receipt by the Company of a written request therefor) advance, to the extent not prohibited by law, such Enforcement Expenses to Indemnitee, which are incurred by Indemnitee in connection with any action brought by Indemnitee for indemnification or advancement from the Company under this Agreement or under any directors’ and officers’ liability insurance policies maintained by the Company, regardless of whether Indemnitee ultimately is determined to be entitled to such indemnification, advancement or insurance recovery, as the case may be, in the suit for which indemnification or advancement is being sought; provided, that the Indemnitee shall be required to repay such Enforcement Expenses in the event it shall have been finally adjudged by a court that such action brought by Indemnitee was frivolous or in bad faith.
(f)Notwithstanding anything in this Agreement to the contrary, no determination as to entitlement to indemnification under this Agreement shall be required to be made prior to the final disposition of the Proceeding, including any appeal therein.
Section 14.Non-exclusivity; Survival of Rights; Insurance; Jointly Indemnifiable Proceedings.
(a)The rights of indemnification and to receive advancement as provided by this Agreement shall not be deemed exclusive of any other rights to which Indemnitee may at any time be entitled under applicable law, the Charter, any agreement, a vote of shareholders or a resolution of directors, any liability insurance policy or otherwise.  No amendment, alteration or repeal of this Agreement or of any provision hereof shall limit or restrict any right of Indemnitee under this Agreement 

in respect of any action taken or omitted by such Indemnitee in his Corporate Status prior to such amendment, alteration or repeal.  To the extent that a change in Cayman Islands law, whether by statute or judicial decision, permits greater indemnification or advancement than would be afforded currently under the Charter and this Agreement, it is the intent of the parties hereto that Indemnitee shall enjoy by this Agreement the greater benefits so afforded by such change.  No right or remedy herein conferred is intended to be exclusive of any other right or remedy, and every other right and remedy shall be cumulative and in addition to every other right and remedy given hereunder or now or hereafter existing at law or in equity or otherwise.  The assertion or employment of any right or remedy hereunder, or otherwise, shall not prevent the concurrent assertion or employment of any other right or remedy.
(b)To the extent that the Company or any of its affiliates maintains an insurance policy or policies providing liability insurance for directors, officers, employees, agents, fiduciaries or trustees of the Company or of any other Enterprise, Indemnitee shall be covered by such policy or policies in accordance with its or their terms to the maximum extent of the coverage available for any such director, officer, employee, agent, fiduciaries or trustee under such policy or policies.  If, at the time of the receipt of a notice of a claim pursuant to the terms hereof, the Company has director and officer liability insurance in effect, the Company shall give prompt notice of the commencement of such proceeding to the insurers in accordance with the procedures set forth in the respective policies.  The Company shall thereafter take all necessary or desirable action to cause such insurers to pay, on behalf of Indemnitee, all amounts payable as a result of such proceeding in accordance with the terms of such policies.
(c)Subject to Section 14(e), in the event of payment by the Company under this Agreement, the Company shall be subrogated to the extent of such payment to all of the rights of recovery of the Indemnitee with respect to any insurance policy.  Indemnitee shall take all action reasonably necessary or desirable, to secure such rights, including the execution of such documents necessary to enable the Company effectively to bring suit to enforce such rights.  The Company shall pay or reimburse all expenses actually and reasonably incurred by Indemnitee in connection with such subrogation.
(d)The Company’s obligation to provide indemnification or advancement hereunder to Indemnitee who is or was serving at the request of the Company as a director, officer, employee, agent, fiduciary or trustee of any other Enterprise shall be reduced by any amount Indemnitee has actually received as indemnification or advancement from such other Enterprise.
(e)Given that certain Jointly Indemnifiable Proceedings may arise due to the relationship between the Indemnitee-Related Entities and the Company and the service of the Indemnitee as a director, officer, employee, agent, fiduciary or trustee of the Company at the request of the Indemnitee-Related Entities, the Company acknowledges and agrees that the Company shall be fully and primarily responsible for the payment to the Indemnitee in respect of indemnification and advancement in connection with any such Jointly Indemnifiable Proceedings, pursuant to and in accordance with the terms of this Agreement, irrespective of any right of recovery the Indemnitee may have from the Indemnitee-Related Entities.  Under no circumstance shall the Company be entitled to any right of subrogation or contribution by the Indemnitee-Related Entities and no right of recovery the Indemnitee may have from the Indemnitee-Related Entities shall reduce or otherwise alter the rights of the Indemnitee or the obligations of the Company hereunder.  In the event that any of the Indemnitee-Related Entities shall make any payment to the Indemnitee in respect of indemnification or advancement with respect to any Jointly Indemnifiable Proceedings, the Indemnitee-Related Entity making such payment shall be subrogated to the extent of such payment to all of the rights of recovery of the Indemnitee against the Company, and the Indemnitee shall execute all papers reasonably required and shall do all things that may be reasonably necessary to secure such rights, including the execution of such documents as may be necessary to enable the Indemnitee-Related Entities effectively to bring suit to enforce such rights.  Each of the Indemnitee-Related Entities shall be third-party beneficiaries with respect to this Section 14(e), entitled to enforce this Section 14(e) against the Company as though each such Indemnitee-Related Entity were a party to this Agreement.
(f)Subject to Section 14(e), the Company shall not be liable under this Agreement to make any payment in connection with any Proceedings made against the Indemnitee to the extent the Indemnitee has otherwise actually received payment (under any insurance policy, any provision of the Company’s Charter, or otherwise) of the amounts otherwise indemnifiable hereunder.
Section 15.Defense of Claims.  The Company shall be entitled to participate in the defense of any Proceedings or to assume the defense thereof, with counsel reasonably satisfactory to the Indemnitee; provided that if the Indemnitee believes, after consultation with counsel selected by the Indemnitee, that (a) the use of counsel chosen by the Company to represent the Indemnitee would present such counsel with an actual or potential conflict of interest, (b) the named parties in any such Proceedings (including any impleaded parties) include the Company (or any of its subsidiaries or any Enterprise) and the Indemnitee and the Indemnitee concludes that there may be one or more legal defenses available to him that are different from or in addition to those available to the Company (or any of its subsidiaries or any Enterprise) or (c) any such representation by such counsel would be precluded under the applicable standards of professional conduct then prevailing, then the Indemnitee shall be entitled to retain separate counsel (but not more than one law firm plus, if applicable, local counsel in respect of any particular Proceedings) at the Company’s expense.  The Company shall not be liable to the Indemnitee under this Agreement for any amounts paid in settlement of any Proceedings effected without the Company’s prior written consent.  The Company shall not, without the prior written consent of the Indemnitee, effect any settlement of any Proceedings which the Indemnitee is or could have been a party unless such settlement solely involves the payment of money and includes a complete and unconditional release of the Indemnitee 

from all liability on all claims that are the subject matter of such Proceedings.  Neither the Company nor the Indemnitee shall unreasonably withhold its or his consent to any proposed settlement; provided that the Indemnitee may withhold consent to any settlement that does not provide a complete and unconditional release of the Indemnitee.  To the fullest extent permitted by Cayman Islands law, the Company’s assumption of the defense of a Proceedings pursuant to this Section 15 will constitute an irrevocable acknowledgement by the Company that all Expenses, judgments, fines and amounts paid in settlement actually and reasonably incurred by Indemnitee or on his behalf in connection therewith are indemnifiable by the Company under this Agreement.
Section 16.Security.  If the Company is unwilling or unable to provide, within five (5) business days following receipt by the Company of the written request of the Indemnitee therefor, reasonable assurances that it has the resources to satisfy the obligations of the Company hereunder, to the extent requested by the Indemnitee, the Company shall provide security to the Indemnitee for the obligations of the Company hereunder through an irrevocable bank line of credit, funded trust or other collateral or by other means.  Any such security, once provided to the Indemnitee, may not be revoked or released without the prior written consent of such Indemnitee.
Section 17.Duration of Agreement.  This Agreement shall continue until and terminate upon the later of: (a) ten (10) years after the date that Indemnitee shall have ceased to serve as a director or officer (or in any other Corporate Status) of any of the Company or its affiliates or (b) one (1) year after the final termination of all Proceedings, including any appeal, pending ten (10) years after the date that Indemnitee shall have ceased to serve as a director or officer (or in any other Corporate Status) of any of the Company or its affiliates, in respect of which Indemnitee is granted rights of indemnification or advancement hereunder and of any proceeding, including any appeal, commenced by Indemnitee pursuant to Section 13 of this Agreement relating thereto.  This Agreement shall be binding upon the Company and its successors and assigns and shall inure to the benefit of Indemnitee and his heirs, executors and administrators.  The Company shall require and cause any successor, and any direct or indirect parent of any successor, whether direct or indirect by purchase, merger, consolidation or otherwise, to all, substantially all or a substantial part, of the business and/or assets of the Company, by written agreement in form and substance satisfactory to Indemnitee, expressly to assume and agree to perform this Agreement in the same manner and to the same extent that the Company would be required to perform if no such succession had taken place.
Section 18.Period of Limitations.  No legal action shall be brought and no cause of action shall be asserted by or in the right of the Company against the Indemnitee, the Indemnitee’s spouse, heirs, executors, administrators or personal or legal representatives after the expiration of two (2) years from the date of accrual of such cause of action, and any claim or cause of action of the Company shall be extinguished and deemed released unless asserted by the timely filing of a legal action within such two (2)year period; provided, however, that if any shorter period of limitations is otherwise applicable to any such cause of action such shorter period shall govern.
Section 19.Severability.  If any provision or provisions of this Agreement shall be held to be invalid, illegal or unenforceable for any reason whatsoever: (a) the validity, legality and enforceability of the remaining provisions of this Agreement (including, without limitation, each portion of any section of this Agreement containing any such provision held to be invalid, illegal or unenforceable, that is not itself invalid, illegal or unenforceable) shall not in any way be affected or impaired thereby and shall remain enforceable to the fullest extent permitted by law; (b) such provision or provisions shall be deemed reformed to the extent necessary to conform to applicable law and to give the maximum effect to the intent of the parties hereto; and (c) to the fullest extent possible, the provisions of this Agreement (including, without limitation, each portion of any section of this Agreement containing any such provision held to be invalid, illegal or unenforceable, that is not itself invalid, illegal or unenforceable) shall be construed so as to give effect to the intent manifested thereby.
Section 20.Enforcement. 
(a)The Company expressly confirms and agrees that it has entered into this Agreement and assumed the obligations imposed on it hereby in order to induce Indemnitee to serve as a director or officer of the Company and in such other capacities as the Company may request from time to time, and the Company acknowledges that Indemnitee is relying upon this Agreement in serving as a director or officer of the Company and in such other capacities as the Company may request from time to time.
(b)This Agreement constitutes the entire agreement between the parties hereto with respect to the subject matter hereof and supersedes all prior agreements and understandings, oral, written and implied, between the parties hereto with respect to the subject matter hereof; provided, however, that this Agreement is a supplement to and in furtherance of the Charter, applicable law and prior agreements, and shall not be deemed a substitute therefor, nor to diminish or abrogate any rights of Indemnitee thereunder.  
Section 21.Modification and Waiver.  No supplement, modification or amendment of this Agreement shall be binding unless executed in writing by the parties thereto.  No waiver of any breach of any provision of this Agreement will be effective or binding unless made in writing and signed by the party purporting to give the same.  No waiver of any of the provisions of this Agreement shall be deemed or shall constitute a waiver of any other provisions of this Agreement nor shall any waiver constitute a continuing waiver.
Section 22.Notice by Indemnitee.  Indemnitee agrees promptly to notify the Company in writing upon being served with any summons, citation, subpoena, complaint, indictment, information or other document relating to any Proceeding or matter 

which may be subject to indemnification or advancement as provided hereunder.  The failure of Indemnitee to so notify the Company shall not relieve the Company of any obligation which it may have to Indemnitee under this Agreement or otherwise.
Section 23.Notices.  All notices, requests, demands and other communications under this Agreement shall be in writing and shall be deemed to have been duly given if (a) delivered by hand and receipted for by the party to whom said notice or other communication shall have been directed, (b) mailed by certified or registered mail with postage prepaid, on the third business day after the date on which it is so mailed, (c) mailed by reputable overnight courier and receipted for by the party to whom said notice or other communication shall have been directed or (d) sent by facsimile transmission, with receipt of oral confirmation that such transmission has been received:
	
		
	(a)
	If to Indemnitee, to:
[Address]
Email:  
Attn: [INDEMNITEE]

	(b)
	If to the Company, to:
FGL Holdings
601 Locust Street, 14th Floor
Des Moines, IA 50309
Email: legalgovernance@fglife.bm
Attn:  General Counsel

or to any other address as may have been furnished to Indemnitee by the Company, or to the Company by Indemnitee, as the case may be. 
Section 24.Contribution.  
(a)Whether or not the indemnification provided for in this Agreement is available, in respect of any threatened, pending or completed action, suit or proceeding in which the Company is jointly liable with Indemnitee (or would be if joined in such action, suit or proceeding), the Company shall pay, in the first instance, the entire amount of any judgments, fines, penalties, excise taxes, amounts paid or to be paid in settlement and Expenses without requiring Indemnitee to contribute to such payment and the Company hereby waives and relinquishes any right of contribution it may have against Indemnitee.  The Company shall not enter into any settlement of any action, suit or proceeding in which the Company is jointly liable with Indemnitee (or would be if joined in such action, suit or proceeding) unless such settlement provides for a full and final release of all claims asserted against Indemnitee.
(b)Without diminishing or impairing the obligations of the Company set forth in the preceding subparagraph, if, for any reason, Indemnitee shall elect or be required to pay all or any portion of any judgment or settlement in any threatened, pending or completed action, suit or proceeding in which the Company is jointly liable with Indemnitee (or would be if joined in such action, suit or proceeding), the Company shall contribute to the amount of judgments, fines, penalties, excise taxes, amounts paid or to be paid in settlement and Expenses actually and reasonably incurred and paid or payable by Indemnitee in proportion to the relative benefits received by the Company and all officers, directors or employees of the Company, other than Indemnitee, who are jointly liable with Indemnitee (or would be if joined in such action, suit or proceeding), on the one hand, and Indemnitee, on the other hand, from the transaction from which such action, suit or proceeding arose; provided, however, that the proportion determined on the basis of relative benefit may, to the extent necessary to conform to law, be further adjusted by reference to the relative fault of the Company and all officers, directors or employees of the Company other than Indemnitee who are jointly liable with Indemnitee (or would be if joined in such action, suit or proceeding), on the one hand, and Indemnitee, on the other hand, in connection with the events that resulted in such Expenses, judgments, fines or settlement amounts, as well as any other equitable considerations which applicable law may require to be considered. The relative fault of the Company and all officers, directors or employees of the Company, other than Indemnitee, who are jointly liable with Indemnitee (or would be if joined in such action, suit or proceeding), on the one hand, and Indemnitee, on the other hand, shall be determined by reference to, among other things, the degree to which their actions were motivated by intent to gain personal profit or advantage, the degree to which their liability is primary or secondary and the degree to which their conduct is active or passive.
(c)The Company hereby agrees to fully indemnify and hold Indemnitee harmless from any claims of contribution which may be brought by officers, directors or employees of the Company or its affiliates, other than Indemnitee, who may be jointly liable with Indemnitee.

Section 25.Applicable Law and Consent to Jurisdiction.  This Agreement and the legal relations among the parties shall be governed by, and construed and enforced in accordance with, the laws of the Cayman Islands, without regard to its conflict of laws rules.  Except with respect to any arbitration commenced by Indemnitee pursuant to Section 13(a) of this Agreement, the Company and Indemnitee hereby irrevocably and unconditionally (i) agree that any action or proceeding arising out of or in connection with this Agreement shall be brought only in the Cayman Islands Court, and not in any other state or federal court in the United States of America or any court in any other country, (ii) consent to submit to the exclusive jurisdiction of the Cayman Islands Court for purposes of any action or proceeding arising out of or in connection with this Agreement, (iii) consent to service of process at the address set forth in Section 23 of this Agreement with the same legal force and validity as if served upon such party personally within the Cayman Islands, (iv) waive any objection to the laying of venue of any such action or proceeding in the Cayman Islands Court and (v) waive, and agree not to plead or to make, any claim that any such action or proceeding brought in the Cayman Islands Court has been brought in an improper or inconvenient forum.
Section 26.Identical Counterparts.  This Agreement may be executed in one or more counterparts, each of which shall for all purposes be deemed to be an original but all of which together shall constitute one and the same Agreement.  Only one such counterpart signed by the party against whom enforceability is sought needs to be produced in order to evidence the existence of this Agreement.
Section 27.Miscellaneous.  The headings of the paragraphs of this Agreement are inserted for convenience only and shall not be deemed to constitute part of this Agreement or to affect the construction thereof.
[Signature Page Follows]

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first above written.
FGL HOLDINGS
By:  ____________________________        
Name:  Eric L. Marhoun
Title:  Secretary and General Counsel
________________________________                
[INSERT NAME]

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