<SEC-DOCUMENT>0001104659-21-020074.txt : 20210211
<SEC-HEADER>0001104659-21-020074.hdr.sgml : 20210211
<ACCEPTANCE-DATETIME>20210210215517
ACCESSION NUMBER:		0001104659-21-020074
CONFORMED SUBMISSION TYPE:	8-K/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210209
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210211
DATE AS OF CHANGE:		20210210

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FG New America Acquisition Corp.
		CENTRAL INDEX KEY:			0001818502
		STANDARD INDUSTRIAL CLASSIFICATION:	BLANK CHECKS [6770]
		IRS NUMBER:				851648122
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39550
		FILM NUMBER:		21616412

	BUSINESS ADDRESS:	
		STREET 1:		105 S. MAPLE STREET
		CITY:			ITASCA
		STATE:			IL
		ZIP:			60143
		BUSINESS PHONE:		(847) 791-6817

	MAIL ADDRESS:	
		STREET 1:		105 S. MAPLE STREET
		CITY:			ITASCA
		STATE:			IL
		ZIP:			60143
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K/A
<SEQUENCE>1
<FILENAME>tm216184d1_8ka.htm
<DESCRIPTION>FORM 8-K/A
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<!-- Field: Rule-Page --><DIV STYLE="margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES </B></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K/A</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Amendment No. 1)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PURSUANT TO SECTION 13 OR 15(d) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF THE SECURITIES EXCHANGE ACT OF 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Date of Report (Date of earliest event
reported): February 9, 2021 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FG NEW AMERICA ACQUISITION CORP.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Exact name of registrant as specified
in its charter) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 1pt; margin-bottom: 1pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-size: 10pt"><B>Delaware</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-size: 10pt"><B>001-39550</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center; width: 32%"><FONT STYLE="font-size: 10pt"><B>85-1648122</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(State or other jurisdiction</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">of incorporation)</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Commission</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">File Number)</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(I.R.S. Employer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Identification No.)</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 100%; padding: 0.25pt"></TD>
    </TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>105 S. Maple Street</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Itasca, Illinois 60143</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P></TD>
    </TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt 0.25pt 1pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Address of principal executive offices, including area code)</FONT></TD>
    </TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Registrant&rsquo;s telephone number, including
area code: <B>(847) 791-6817 </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Not Applicable </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
since last report)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD><TD STYLE="text-align: justify">Written communications pursuant
to Rule 425 under the Securities Act (17 CFR 230.425)</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#120;</FONT></TD><TD STYLE="text-align: justify">Soliciting material pursuant to
Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications
pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications
pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD>
</TR></TABLE>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Securities registered pursuant to Section&nbsp;12(b) of the
Act:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 48%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="width: 18%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="width: 32%; padding: 0.25pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; padding: 0.25pt 0.25pt 1pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Title of each class</B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 0.25pt 0.25pt 0.5pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Trading</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Symbol(s)</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 0.25pt 0.25pt 0.5pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Name of each exchange</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>on which registered</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Units, each consisting of one share of Class A common stock and one-half of one redeemable warrant</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>FGNA.U</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>The New York Stock Exchange</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Class&nbsp;A common stock, par value $0.0001 per share</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>FGNA</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>The New York Stock Exchange</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Warrants, each whole warrant exercisable for one share of Class A common stock, each at an exercise price of $11.50 per share</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>FGNA WS</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>The New York Stock Exchange</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&sect;240.12b-2 of this chapter).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Emerging growth company&nbsp; <FONT STYLE="font-family: Wingdings">&#120;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If an emerging growth company, indicate by check mark if the
registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section&nbsp;13(a) of the Exchange Act.&nbsp;<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


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    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid">&nbsp;</DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Explanatory
Note</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt; background-color: white">This Amendment
amends Item 1.01 and supplements Item 9.01 (solely to add additional exhibits)&nbsp;of the Current Report on Form&nbsp;8-K&nbsp;of
FG New America Acquisition Corp. (the &ldquo;<B><I>Company</I></B>&rdquo;), filed with the Securities and Exchange Commission (the
 &ldquo;<B><I>SEC</I></B>&rdquo;) on February&nbsp;10, 2021 (the &ldquo;<B><I>Original Current Report</I></B>&rdquo;), in which
the Company reported, among other events, the execution of the Business Combination Agreement (as defined in the Original Current
Report). Item 3.02 and Item 7.01 of the Original Current Report remain unchanged. Interested parties should refer to the Original
Current Report for Item 1.01, Item 3.02 and Item 7.01 and the prior exhibits filed pursuant to Item 9.01.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 1.01 Entry into a Material Definitive Agreement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The description of the Amended Sponsor Letter in Item 1.01 of
the Original Current Report is hereby amended and restated as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>Amendment to the Sponsor Letter</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">At the Closing, certain current
officers and directors of the Company (including the Founder Holders (as defined in the Business Combination Agreement)), FG
New America Investors LLC (the &ldquo;<B><I>Sponsor</I></B>&rdquo;), the Company, OppFi and the Members&rsquo; Representative
will enter into an amendment (the &ldquo;<B><I>Amended Sponsor Letter</I></B>&rdquo;) to the letter agreement entered into on
September 29, 2020 in connection with the Company&rsquo;s initial public offering (the &ldquo;<B><I>Letter
Agreement</I></B>&rdquo;), pursuant to which, among other things, the Founder Holders will waive any and all anti-dilution
rights described in its current Certificate of Incorporation or otherwise with respect to the shares of Class A Common Stock
(that formerly constituted shares of Class B Common Stock held by the Founder Holders) held by the Founder Holders that may
be implicated by the Business Combination such that the Class B Common Stock Conversion will occur as discussed herein (and
as more fully described in the Amended Sponsor Letter). In addition, Joseph Moglia, one of the Founder Holders, will agree to extend the lock-up period for the shares of Class A Common Stock
(that formerly constituted shares of Class B Common Stock) held by him or which are distributed or distributable to him by the Sponsor
to two years following the closing date of the Business Combination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item&nbsp;9.01. Financial Statements and Exhibits.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(d) Exhibits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 6%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="width: 84%; padding: 0.25pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: black 1pt solid; padding: 0.25pt 0.25pt 0.5pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Exhibit&nbsp;No.</B></FONT></TD>
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 0.25pt 0.25pt 1pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>Description</B></FONT></TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding: 0.25pt; font-size: 10pt"><A HREF="tm216184d1_ex2-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">2.1*</FONT></A></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><A HREF="tm216184d1_ex2-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">Business Combination
    Agreement, dated as of February 9, 2021, by and among the Company, Opportunity Financial, LLC and Todd Schwartz, in his capacity
    as the Members&rsquo; Representative. </FONT></A></TD></TR>
<TR>
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.25pt; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">* Certain exhibits and schedules to this Exhibit have been omitted
in accordance with Item 601(a)(5) of Regulation S-K. The Company agrees to furnish supplementally a copy of any omitted exhibit
or schedule to the SEC upon its request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Exchange Act
of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 47%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="width: 5%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="width: 47%; padding: 0.25pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>FG NEW AMERICA ACQUISTION CORP. </B></FONT></TD></TR>
<TR>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.25pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="padding: 0.25pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding: 0.25pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; border-bottom: black 0.75pt solid">/s/ Larry G Swets,
Jr.</P></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Larry G. Swets, Jr.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding: 0.25pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0.25pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Chief Executive Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Date: February 11, 2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>tm216184d1_ex2-1.htm
<DESCRIPTION>EXHIBIT 2.1
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 2.1</B></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">BUSINESS COMBINATION AGREEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>by and among</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FG NEW AMERICA ACQUISITION CORP.,</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">OPPORTUNITY FINANCIAL, LLC,</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">OPPFI SHARES, LLC,</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TODD SCHWARTZ</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">AS THE MEMBERS&#8217; REPRESENTATIVE
HEREUNDER</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">DATED AS OF FEBRUARY 9, 2021</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>TABLE
OF CONTENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="width: 90%; text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article I</B> CERTAIN DEFINITIONS</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 6pt">3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 1.1</B>&nbsp;&nbsp;&nbsp;Certain Definitions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article II</B> PURCHASE AND SALE TRANSACTIONS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">23</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 2.1</B>&nbsp;&nbsp;&nbsp;Purchase and Sale of Closing Company Units; Issuance of Buyer Class V Voting Stock</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">23</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 2.2</B>&nbsp;&nbsp;&nbsp;Cash Consideration</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">24</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 2.3</B>&nbsp;&nbsp;&nbsp;Final Consideration Adjustment</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">25</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 2.4</B>&nbsp;&nbsp;&nbsp;Closing Transactions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">27</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 2.5</B>&nbsp;&nbsp;&nbsp;Closing Deliveries</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">27</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 2.6</B>&nbsp;&nbsp;&nbsp;Earnout</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 2.7</B>&nbsp;&nbsp;&nbsp;Withholding</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">31</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 2.8</B>&nbsp;&nbsp;&nbsp;Equitable Adjustments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">32</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article III</B> REPRESENTATIONS AND WARRANTIES REGARDING THE OPPFI COMPANIES</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">32</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.1</B>&nbsp;&nbsp;&nbsp;Organization; Authority; Enforceability</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">32</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.2</B>&nbsp;&nbsp;&nbsp;Noncontravention</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">33</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.3</B>&nbsp;&nbsp;&nbsp;Capitalization</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">33</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.4</B>&nbsp;&nbsp;&nbsp;Financial Statements; No Undisclosed Liabilities</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">34</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.5</B>&nbsp;&nbsp;&nbsp;No Material Adverse Effect</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">35</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.6</B>&nbsp;&nbsp;&nbsp;Absence of Certain Developments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">35</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.7</B>&nbsp;&nbsp;&nbsp;Real Property</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">35</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.8</B>&nbsp;&nbsp;&nbsp;Tax Matters</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">36</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.9</B>&nbsp;&nbsp;&nbsp;Contracts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">38</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.10</B>&nbsp;&nbsp;&nbsp;Intellectual Property</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">41</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.11</B>&nbsp;&nbsp;&nbsp;Data Security; Data Privacy</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">43</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.12</B>&nbsp;&nbsp;&nbsp;Litigation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.13</B>&nbsp;&nbsp;&nbsp;Brokerage</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.14</B>&nbsp;&nbsp;&nbsp;Labor Matters</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.15</B>&nbsp;&nbsp;&nbsp;Employee Benefit Plans</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.16</B>&nbsp;&nbsp;&nbsp;Insurance</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.17</B>&nbsp;&nbsp;&nbsp;Compliance with Laws; Permits</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">48</TD></TR>
</TABLE>
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<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="width: 90%; text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.18</B>&nbsp;&nbsp;&nbsp;Title to and Sufficiency of Assets; No Bankruptcy</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 6pt">49</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.19</B>&nbsp;&nbsp;&nbsp;Anti-Money Laundering Compliance</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">49</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.20</B>&nbsp;&nbsp;&nbsp;Affiliate Transactions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 3.21</B>&nbsp;&nbsp;&nbsp;No Other Representations and Warranties</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article IV</B> REPRESENTATIONS AND WARRANTIES OF THE BUYER</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.1</B>&nbsp;&nbsp;&nbsp;Organization; Authority; Enforceability</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">50</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.2</B>&nbsp;&nbsp;&nbsp;Capitalization</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">51</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.3</B>&nbsp;&nbsp;&nbsp;Brokerage</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">53</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.4</B>&nbsp;&nbsp;&nbsp;Trust Account</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">53</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.5</B>&nbsp;&nbsp;&nbsp;Buyer SEC Documents; Controls</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">54</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.6</B>&nbsp;&nbsp;&nbsp;Information Supplied; Proxy Statement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">55</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.7</B>&nbsp;&nbsp;&nbsp;Litigation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">55</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.8</B>&nbsp;&nbsp;&nbsp;Listing</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">56</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.9</B>&nbsp;&nbsp;&nbsp;Investment Company</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">56</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.10</B>&nbsp;&nbsp;&nbsp;Contracts; No Defaults</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">56</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.11</B>&nbsp;&nbsp;&nbsp;Noncontravention</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">57</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.12</B>&nbsp;&nbsp;&nbsp;Business Activities</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">57</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.13</B>&nbsp;&nbsp;&nbsp;Investment Intent</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">58</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.14</B>&nbsp;&nbsp;&nbsp;Tax Matters</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">58</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.15</B>&nbsp;&nbsp;&nbsp;Compliance with Laws</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">60</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.16</B>&nbsp;&nbsp;&nbsp;Inspections; Company and Members&#8217; Representations</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">60</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.17</B>&nbsp;&nbsp;&nbsp;Title to Property</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">60</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 4.18</B>&nbsp;&nbsp;&nbsp;Takeover Statutes and Charter Provisions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">60</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article V</B> PRE-CLOSING AGREEMENTS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">61</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.1</B>&nbsp;&nbsp;&nbsp;Interim Operating Covenants (Company)</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">61</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.2</B>&nbsp;&nbsp;&nbsp;Interim Operating Covenants (Buyer)</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">64</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.3</B>&nbsp;&nbsp;&nbsp;Commercially Reasonable Efforts; Further Assurances</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">65</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.4</B>&nbsp;&nbsp;&nbsp;Trust &amp; Closing Funding</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">66</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.5</B>&nbsp;&nbsp;&nbsp;Listing</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">66</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.6</B>&nbsp;&nbsp;&nbsp;LTIP</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">67</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.7</B>&nbsp;&nbsp;&nbsp;Confidential Information</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">67</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.8</B>&nbsp;&nbsp;&nbsp;Access to Information</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">67</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.9</B>&nbsp;&nbsp;&nbsp;Notification of Certain Matters</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">68</TD></TR>
</TABLE>
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    <TD STYLE="width: 90%; text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.10</B>&nbsp;&nbsp;&nbsp;Regulatory Approvals; Efforts</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 6pt">68</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.11</B>&nbsp;&nbsp;&nbsp;Communications; Press Release; SEC Filings</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">69</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.12</B>&nbsp;&nbsp;&nbsp;Expenses</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">73</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.13</B>&nbsp;&nbsp;&nbsp;Releases</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">74</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.14</B>&nbsp;&nbsp;&nbsp;Directors and Officers</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">75</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.15</B>&nbsp;&nbsp;&nbsp;Buyer Second A&amp;R Certificate of Incorporation and Buyer A&amp;R Bylaws</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">77</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.16</B>&nbsp;&nbsp;&nbsp;Name Change</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">77</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 5.17</B>&nbsp;&nbsp;&nbsp;Exclusivity</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">77</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article VI</B> ADDITIONAL AGREEMENTS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">78</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 6.1</B>&nbsp;&nbsp;&nbsp;Access to Books and Records</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">78</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article VII</B> TAX MATTERS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">79</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 7.1</B>&nbsp;&nbsp;&nbsp;Certain Tax Matters</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">79</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article VIII</B> CONDITIONS TO CLOSING</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">84</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 8.1</B>&nbsp;&nbsp;&nbsp;Conditions to the Obligations of the Parties</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">84</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article IX</B> TERMINATION</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">87</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 9.1</B>&nbsp;&nbsp;&nbsp;Termination</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">87</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 9.2</B>&nbsp;&nbsp;&nbsp;Effect of Termination</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">88</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -81pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 81pt"><B>Article X</B> MISCELLANEOUS</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">88</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.1</B>&nbsp;&nbsp;&nbsp;Amendment and Waiver</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">88</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.2</B>&nbsp;&nbsp;&nbsp;Waiver of Remedies; Survival of Representations and Warranties</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">88</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.3</B>&nbsp;&nbsp;&nbsp;Members&#8217; Representative</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">89</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.4</B>&nbsp;&nbsp;&nbsp;Notices</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">90</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.5</B>&nbsp;&nbsp;&nbsp;Assignment</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">91</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.6</B>&nbsp;&nbsp;&nbsp;Severability</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">91</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.7</B>&nbsp;&nbsp;&nbsp;Interpretation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">91</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.8</B>&nbsp;&nbsp;&nbsp;Entire Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">92</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.9</B>&nbsp;&nbsp;&nbsp;Counterparts; Electronic Delivery</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">92</TD></TR>
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    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.10</B>&nbsp;&nbsp;&nbsp;Governing Law; Waiver of Jury Trial; Jurisdiction</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">93</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.11</B>&nbsp;&nbsp;&nbsp;Trust Account Waiver</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">93</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.12</B>&nbsp;&nbsp;&nbsp;Specific Performance</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">94</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.13</B>&nbsp;&nbsp;&nbsp;No Third-Party Beneficiaries</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">94</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.14</B>&nbsp;&nbsp;&nbsp;Disclosure Letters and Exhibits</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">94</TD></TR>
</TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="width: 90%; text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.15</B>&nbsp;&nbsp;&nbsp;No Recourse</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 6pt">95</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.16</B>&nbsp;&nbsp;&nbsp;Legal Representation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">96</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -76.5pt; padding-top: 0in; padding-bottom: 6pt; padding-left: 94.5pt"><B>Section 10.17</B>&nbsp;&nbsp;&nbsp;Acknowledgements</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 6pt">97</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">EXHIBITS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Exhibit A</U> &#8211; Buyer Second A&amp;R Certificate of
Incorporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Exhibit B</U> &#8211; Buyer A&amp;R Bylaws</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Exhibit C</U> &#8211; Amended Sponsor Letter</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Exhibit D</U> &#8211; Company A&amp;R LLCA</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Exhibit E</U> &#8211; Tax Receivable Agreement</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Exhibit F</U> &#8211; Investor Rights Agreement</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Exhibit G</U> &#8211; Illustrative Working Capital Calculation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">BUSINESS COMBINATION AGREEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Business Combination
Agreement (this &#8220;<U>Agreement</U>&#8221;) is made and entered into as of February 9, 2021 (the &#8220;<U>Effective Date</U>&#8221;),
by and among (i) FG New America Acquisition Corp., a Delaware corporation (the &#8220;<U>Buyer</U>&#8221;), (ii) Opportunity Financial,
LLC, a Delaware limited liability company (the &#8220;<U>Company</U>&#8221;), (iii) OppFi Shares, LLC, a Delaware limited liability
company (&#8220;OFS&#8221;) and (iv) Todd Schwartz (the &#8220;<U>Members&#8217; Representative</U>&#8221;). Each of the Buyer,
the Company and the Members&#8217; Representative is also referred to herein as a &#8220;<U>Party</U>&#8221; and, collectively,
as the &#8220;<U>Parties</U>&#8221;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">RECITALS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Buyer
is a special purpose acquisition company formed for the purpose of effecting a merger, capital stock exchange, asset acquisition,
stock purchase, reorganization or similar business combination with one or more businesses;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Buyer
Board has (i) determined that the transactions contemplated by this Agreement are fair, advisable and in the best interests of
Buyer and Buyer Stockholders, and (ii) approved this Agreement and the transactions contemplated hereby, upon the terms and subject
to the conditions set forth herein;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Company
Board and the Founder (as such term is defined in the Company&#8217;s LLCA) have (i) determined that the transactions contemplated
hereby are fair, advisable and in the best interest of the Company, and (ii) approved this Agreement and the transactions contemplated
hereby, including the Company A&amp;R LLCA, upon and subject to the conditions set forth herein and in accordance with the Company's
LLCA (the &#8220;<U>Requisite Consent</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, not later
than immediately prior to the Closing, the Buyer shall amend and restate (i) the Buyer Certificate of Incorporation by adopting
the Second Amended and Restated Certificate of Incorporation of Buyer, substantially in the form attached hereto as <U>Exhibit
A</U> (the &#8220;<U>Buyer Second A&amp;R Certificate of Incorporation</U>&#8221;) and (ii) the Buyer Bylaws by adopting the Amended
and Restated Bylaws of Buyer, substantially in the form attached hereto as <U>Exhibit B</U> (the &#8220;<U>Buyer A&amp;R Bylaws</U>&#8221;),
to (among other things) establish a structure containing Buyer Class A Common Stock, which will carry such economic and voting
rights as set forth in the Buyer Second A&amp;R Certificate of Incorporation and Buyer A&amp;R Bylaws, and Buyer Class V Voting
Stock, which will carry only such voting rights as set forth in the Buyer Second A&amp;R Certificate of Incorporation and Buyer
A&amp;R Bylaws;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, pursuant to
the terms and conditions of the Buyer Certificate of Incorporation, in connection with the Closing, all then-outstanding shares
of Buyer Class B Common Stock will be converted into shares of Buyer Class A Common Stock (after giving effect to the Amended Sponsor
Letter (as defined below)) on a one-for-one basis and into shares of Buyer Class A Common Stock (the &#8220;<U>Buyer Class B Common
Stock Conversion</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, as of the
Effective Date, the Founder Holders have agreed, at and conditioned upon the Closing, to waive any and all anti-dilution rights
described in Buyer&#8217;s Certificate of Incorporation or otherwise with respect to the shares of Buyer Class A Common Stock (that</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">formerly constituted shares of Buyer Class
B Common Stock held by the Founder Holders) held by the Founder Holders, as more fully set forth in, and subject to the terms and
conditions of, an Amended and Restated Sponsor Letter, by and between the Founder Holders, the Members&#8217; Representative, the
Company and the Buyer, in the form attached hereto as <U>Exhibit C</U> (the &#8220;<U>Amended Sponsor Letter</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, prior to the
Closing, the Company will effectuate a recapitalization, pursuant to which all Preferred Shares, Economic Interests and Class A
Shares held by the members of the Company (the &#8220;<U>Members</U>&#8221;) will be converted or exchanged (whether by direct
exchange, merger or otherwise) into a number of Equity Interests designated as &#8220;Class A Common Units&#8221; (&#8220;<U>Company
Units</U>&#8221;) in the amounts determined in accordance with the Company A&amp;R LLCA (as defined below), the result of which
will be that the Members will collectively hold a single class of Company Units as of immediately prior to the Closing (the &#8220;<U>Recapitalization</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, simultaneously
with the Closing, the Company and the Members&#8217; Representative, in his capacity as controlling member of the Company, shall
amend and restate the Company&#8217;s LLCA by adopting the Third Amended and Restated Limited Liability Company Agreement of the
Company substantially in the form attached hereto as <U>Exhibit D</U> (the &#8220;<U>Company A&amp;R LLCA</U>&#8221;) to, among
other things, reflect the Recapitalization, to permit the issuance and ownership of the Equity Interests of the Company as contemplated
to be issued and owned upon consummation of the transactions contemplated by this Agreement, designate the Buyer as the sole manager
of the Company, otherwise amend and restate the rights and preferences of the Company Units and set forth the rights and preferences
of the Company Units, and establish the ownership of the Company Units by the Persons indicated in the Company A&amp;R LLCA, in
each case, as set forth in the Company A&amp;R LLCA;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, in connection
with Closing, on the Closing Date, the Members (on a Pro Rata Basis) will collectively subject (i) twenty-five million five hundred
thousand (25,500,000) Retained Company Units held by them (the &#8220;<U>Earnout Company Units</U>&#8221;) and (ii) twenty-five
million five hundred thousand (25,500,000) shares of the Buyer Class V Voting Stock distributed to them by the Company (the &#8220;<U>Earnout
Voting Shares</U>&#8221;) to certain restrictions and potential forfeiture pending the achievement (if any) of certain earnout
targets pursuant to the terms of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, upon the terms
and subject to the conditions set forth in this Agreement, the Buyer wishes to acquire the Closing Company Units from the Company
in exchange for the Cash Consideration, that number of shares of Buyer Class V Voting Stock equal to the number of Retained Company
Units (including the Earnout Company Units) and certain rights under the Tax Receivable Agreement, in each case, in accordance
with the terms of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, simultaneously
with the Closing, the Members, the Members&#8217; Representative, the Company and the Buyer will enter into a Tax Receivable Agreement
substantially in the form attached hereto as <U>Exhibit E</U> (the &#8220;<U>Tax Receivable Agreement</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, simultaneously
with the Closing, the Members, the Members&#8217; Representative, the Founder Holders and the Buyer will enter into an Investor
Rights Agreement substantially in the form attached hereto as <U>Exhibit F</U> (the &#8220;<U>Investor Rights Agreement</U>&#8221;);
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, as a condition
to the consummation of the transactions contemplated by this Agreement and by the Ancillary Agreements, the Buyer shall provide
an opportunity to the Buyer Stockholders to exercise their rights to participate in the Buyer Share Redemption, on the terms and
subject to the conditions and limitations, set forth in this Agreement and the applicable Buyer Governing Documents in conjunction
with, <I>inter alia, </I>obtaining approval from the Buyer Stockholders for the transactions contemplated by this Agreement and
by the Ancillary Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in
consideration of the foregoing and the respective representations, warranties, covenants and agreements set forth in this Agreement,
and subject to the terms and conditions set forth in this Agreement, the Parties, intending to be legally bound, hereby agree as
follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
I</B><BR>
CERTAIN DEFINITIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 1.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Certain Definitions</U>. For purposes of this Agreement, capitalized terms used in this Agreement but not otherwise
defined herein shall have the meanings set forth below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>ACA</U>&#8221;
has the meaning set forth in <U>Section 3.15(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Additional
Buyer Filings</U>&#8221; has the meaning set forth in <U>Section 5.11(f)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Additional
Company Units</U>&#8221; means the number of Company Units equal to the <U>quotient of</U> (a) the Excess Amount <U>divided by</U>
(b) ten dollars ($10.00), rounded up to the next whole Company Unit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Adjustment
Determination Date</U>&#8221; has the meaning set forth in <U>Section 2.3(b)(ii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Affiliate</U>&#8221;
of any particular Person means any other Person controlling, controlled by, or under common control with such Person, where &#8220;<U>control</U>&#8221;
means the possession, directly or indirectly, of the power to direct the management and policies of a Person, whether through the
ownership of voting securities, its capacity as a sole or managing member, or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Affiliated
Transactions</U>&#8221; has the meaning set forth in <U>Section 3.20</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Agreement</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Allocation</U>&#8221;
has the meaning set forth in <U>Section 7.1(g)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Alternative
Target</U>&#8221; has the meaning set forth in <U>Section 5.17(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Amended Sponsor
Letter</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Ancillary
Agreements</U>&#8221; means the Company A&amp;R LLCA, the Tax Receivable Agreement, the Investor Rights Agreement, the Amended
Sponsor Letter, the documents and approvals underlying the Requisite Consent and each other agreement, instrument and certificate
required by this Agreement to be executed by any of the Parties as contemplated by this Agreement, in each</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">case only as applicable to the relevant
Party or Parties to such Ancillary Agreement, as indicated by the context in which such term is used.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Annual Financial
Statements</U>&#8221; has the meaning set forth in <U>Section 3.4(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Anti-Money
Laundering Laws</U>&#8221; means applicable Laws related to money laundering, including the Currency and Foreign Transaction Reporting
Act of 1970 (also known as the Bank Secrecy Act), the Money Laundering Control Act of 1986 and any other applicable Law related
to money laundering of any jurisdictions in which any OppFi Company conducts business, including any anti-racketeering laws involving
money laundering or bribery as a racketeering act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Assets</U>&#8221;
has the meaning set forth in <U>Section 3.18(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Available
Closing Date Cash</U>&#8221; means, as of immediately prior to the Closing, an aggregate amount equal to the (without duplication)
(a) the cash in the Trust Account, (b) <U>less</U> amounts required for the Buyer Share Redemptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Business
Combination</U>&#8221; has the meaning ascribed to such term in the Buyer Certificate of Incorporation and the Buyer Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Business
Day</U>&#8221; means any day except a Saturday, a Sunday or any other day on which commercial banks are required or authorized
to close in the State of New York.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer A&amp;R
Bylaws</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Balance
Sheet</U>&#8221; has the meaning set forth in <U>Section 4.12(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Board</U>&#8221;
means, at any time, the board of directors of the Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Board
Recommendation</U>&#8221; has the meaning set forth in <U>Section 4.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Bylaws</U>&#8221;
means the bylaws of the Buyer, dated as of June 24, 2020, as in effect on the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Capital
Stock</U>&#8221; means (a) prior to the Closing, the Buyer Class A Common Stock, the Buyer Class B Common Stock and the Buyer Preferred
Stock and (b) following the Closing, the Buyer Class A Common Stock, the Buyer Class V Voting Stock and the Buyer Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Certificate
of Incorporation</U>&#8221; means the amended and restated certificate of incorporation of Buyer, dated as of September 29, 2020,
as in effect on the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Class
A Common Stock</U>&#8221; means the Class A common stock of the Buyer, par value one ten-thousandth of one dollar ($0.0001) per
share, authorized pursuant to the Buyer Certificate of Incorporation and the Buyer Second A&amp;R Certificate of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Class
B Common Stock</U>&#8221; means the Class B common stock of the Buyer, par value one ten-thousandth of one dollar ($0.0001) per
share, authorized pursuant to the Buyer Certificate of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Class
B Common Stock Conversion</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Class
V Voting Stock</U>&#8221; means the Class V common stock of the Buyer, par value one ten-thousandth of one dollar ($0.0001) per
share, authorized pursuant to the Buyer Second A&amp;R Certificate of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Competing
Transaction</U>&#8221; means any transaction involving, directly or indirectly, any merger or consolidation with, or acquisition
of, purchase of all or substantially all of the assets or equity of, consolidation or similar business combination with, or other
transaction that would constitute a Business Combination with or involving the Buyer and a third party, other than the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer&#8217;s
Disclosure Letter</U>&#8221; means the Disclosure Letter delivered by the Buyer to the Company concurrently with the execution
and delivery of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Executives</U>&#8221;
means Larry Swets and Hassan Baqar.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Fundamental
Representations</U>&#8221; means the representations and warranties set forth in <U>Section 4.1</U> (<I>Organization; Authority;
Enforceability</I>), <U>Section 4.2</U> (<I>Capitalization</I>.), <U>Section 4.3</U> (<I>Brokerage</I>), <U>Section 4.4</U> (<I>Trust
Account</I>) and <U>Section 4.13</U> (<I>Investment Intent</I>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Governing
Documents</U>&#8221; means, at any time prior to the Closing, the Buyer Certificate of Incorporation and the Buyer Bylaws, and,
at any time following the Closing, the Buyer Second A&amp;R Certificate of Incorporation and the Buyer A&amp;R Bylaws, as in effect
at such time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Material
Adverse Effect</U>&#8221; means any event, circumstance or state of facts that, individually or in the aggregate, has had a material
and adverse effect upon the ability of the Buyer to perform its obligations and to consummate the transactions contemplated by
this Agreement and the Ancillary Agreements; <U>provided</U> that the consummation of any Buyer Share Redemptions shall not be
deemed to constitute a Buyer Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Parties</U>&#8221;
has the meaning set forth in <U>Section 10.2(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Post-Closing
Representation</U>&#8221; has the meaning set forth in <U>Section 10.16(b)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Preferred
Stock</U>&#8221; means the preferred stock of the Buyer, par value one ten-thousandth of one dollar ($0.0001) per share, authorized
pursuant to the Buyer Certificate of Incorporation and the Buyer Second A&amp;R Certificate of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Prepared
Returns</U>&#8221; has the meaning set forth in <U>Section 7.1(a)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Public
Securities</U>&#8221; has the meaning set forth in <U>Section 4.8</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Released
Matters</U>&#8221; has the meaning set forth in <U>Section 5.13(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Released
Parties</U>&#8221; has the meaning set forth in <U>Section 5.13(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Releasing
Parties</U>&#8221; has the meaning set forth in <U>Section 5.13(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer SEC
Documents</U>&#8221; has the meaning set forth in <U>Section 4.5(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer SEC
Filing</U>&#8221; means the forms, reports, schedules, registration statements and other documents required to be filed by the
Buyer with the SEC, including the Proxy Statement, Additional Buyer Filings, the Signing Form 8-K and the Closing Form 8-K, and
all amendments, modifications and supplements thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Second
A&amp;R Certificate of Incorporation</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Share
Redemption</U>&#8221; means the election of an eligible holder of the Buyer Class A Common Stock (as determined in accordance with
the applicable Buyer Governing Documents and the Trust Agreement) to redeem all or a portion of such holder&#8217;s Buyer Class
A Common Stock, at the per-share price, payable in cash, equal to such holder&#8217;s pro rata share of the Trust Account (as determined
in accordance with the applicable Buyer Governing Documents and the Trust Agreement), by tendering such holders Buyer Class A Common
Stock for redemption not later than 5:00 p.m. Eastern Time on the date that is two (2) Business Days prior to the date of the Buyer
Stockholder Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Stockholder
Meeting</U>&#8221; means a special meeting of the Buyer Stockholders to vote on the Buyer Stockholder Voting Matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Stockholder
Voting Matters</U>&#8221; means, collectively, proposals to approve (a) the adoption of this Agreement and the transactions contemplated
by this Agreement, (b) the proposed Buyer Second A&amp;R Certificate of Incorporation, (c) the adoption of the LTIP, (d) the issuance
of the Buyer Class A Shares and Buyer Class V Voting Stock, including the Earnout Voting Shares, pursuant to this Agreement, to
the extent required by the Stock Exchange, and (e) any other proposals that are required for the consummation of the transactions
contemplated by this Agreement that are submitted to, and require the vote of, the Buyer Stockholders in the Proxy Statement and
agreed to by the Buyer and the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Stockholders</U>&#8221;
means the holders of the Buyer Class A Common Stock, Buyer Class B Common Stock and Buyer Preferred Stock, in each case, as of
immediately prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Transaction
Expenses</U>&#8221; means the aggregate Transaction Expenses incurred by, or attributable to, the Buyer, in each case, as set forth
herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Transaction
Expenses Certificate</U>&#8221; has the meaning set forth in <U>Section 2.2(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Buyer Warrants</U>&#8221;
has the meaning set forth in <U>Section 4.2(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>CARES Act</U>&#8221;
means the Coronavirus Aid, Relief, and Economic Security Act of 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Cash Adjustment</U>&#8221;
means the amount equal to the <U>sum of</U> (a) the Company Cash Amount, <U>minus</U> (b) the amount by which the Working Capital
is less than the Target Working Capital Amount, if any, <U>plus</U>, (c) the amount by which the Working Capital is greater than
the Target Working Capital Amount, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Cash Consideration</U>&#8221;
means an amount equal to (a) the Available Closing Date Cash, <U>minus</U> (b) the Closing Cash Shortfall, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Change of
Control</U>&#8221; means, solely for purposes of <U>Section 2.6</U>, (a) a direct or indirect sale, lease, transfer, or other disposition
of all or substantially all of the assets of the Buyer and the OppFi Companies (taken as a whole) in any transaction or series
of related transactions to a Person or a &#8220;group&#8221; (as such term is defined under Regulation 13D under the Securities
Exchange Act) that is not an Interested Party, (b) any merger, consolidation, or reorganization to which Buyer or the Company,
on the one hand, and a Person or a &#8220;group&#8221; (as such term is defined under Regulation 13D under the Securities Exchange
Act) that is not an Interested Party, on the other hand, are parties, except for a merger, consolidation, or reorganization in
which, after giving effect to such merger, consolidation, or reorganization, the holders of the Buyer&#8217;s outstanding voting
Equity Interests immediately prior to the merger, consolidation, or reorganization will own, directly or indirectly, immediately
following the merger, consolidation, or reorganization, Equity Interests representing a majority of the voting Equity Interests
in the surviving Person of such merger, consolidation, or reorganization, (c) any sale, transfer, or issuance, or series of related
sales, transfers, and/or issuances, of the voting Equity Interests of the Buyer or the Company which results in a Person or a &#8220;group&#8221;
(as such term is defined under Regulation 13D under the Securities Exchange Act) that is not an Interested Party beneficially owning
Equity Interests representing a majority of the voting Equity Interests of the Buyer or the Company; or (d) one or both of the
following has occurred: (x) any sale, transfer, or issuance, or series of related sales, transfers and/or issuances, of the Equity
Interests of the Buyer or the Company by one or more Members (or their Permitted Transferees (as defined in the Investor Rights
Agreement)), such that, following such sale, transfer, or issuance, Members and their Permitted Transferees (taken together) hold
less than fifty percent (50%) of the issued and outstanding voting Equity Interests of the Buyer and (y) which results in a &#8220;person&#8221;
or a &#8220;group&#8221; (as such term is defined under Regulation 13D under the Securities Exchange Act) that is not a Member
or a Permitted Transferee of a Member beneficially owning a percentage of the voting Equity Interests of the Buyer that is greater
than the percentage of the voting Equity Interests of the Buyer beneficially owned by Members and their Permitted Transferees (taken
together). For the avoidance of doubt, the Recapitalization shall not constitute a Change of Control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Class A Shares</U>&#8221;
means the Class A Shares (as defined in the Company&#8217;s LLCA) issued and outstanding immediately prior to the consummation
of the Recapitalization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closing</U>&#8221;
has the meaning set forth in <U>Section 2.4</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closing Cash
Shortfall</U>&#8221; means the amount, if any, by which (a) the aggregate amount of Transaction Expenses <U>plus</U> (b) the Minimum
Cash Amount exceeds (c) the Company Cash Amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closing Company
Units</U>&#8221; means a number of Company Units equal to the aggregate number of outstanding shares of Buyer Class A Common Stock
issued and outstanding as of immediately prior to the Closing (after giving effect to any Buyer Share Redemptions and the Buyer
Class B Common Stock Conversion).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closing Date</U>&#8221;
has the meaning set forth in <U>Section 2.4</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closing Form
8-K</U>&#8221; has the meaning set forth in <U>Section 5.11(g)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closing Members</U>&#8221;
means the Members who were Members immediately prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closing Press
Release</U>&#8221; has the meaning set forth in <U>Section 5.11(g)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closing Statement</U>&#8221;
has the meaning set forth in <U>Section 2.3(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Code</U>&#8221;
means the U.S. Internal Revenue Code of 1986.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company A&amp;R
LLCA</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Board</U>&#8221;
means, at any time, the board of managers of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Cash
Amount</U>&#8221; means, with respect to the OppFi Companies and as of 12:01 a.m. on the Closing Date, all cash, cash equivalents,
deposits and marketable securities held by or in the name of such OppFi Companies at such time, and shall include checks, ACH transactions
and other wire transfers and drafts deposited or available for deposit for the account of such Person at such time, in each case
as determined in accordance with GAAP; <U>provided</U> that Company Cash Amount shall be calculated net of issued but uncleared
checks, drafts and outgoing wires of such OppFi Companies; <U>provided</U>, <U>further</U>, that Company Cash Amount shall not
take into account any Transaction Expenses unpaid as of 12:01 a.m. on the Closing Date and shall be computed by adding back the
amount of any Transaction Expenses paid by any of the OppFi Companies (and not reimbursed by the Buyer) prior to such time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Employee
Benefit Plan</U>&#8221; means each &#8220;employee benefit plan&#8221; (as such term is defined in Section 3(3) of ERISA, whether
or not subject to ERISA) and each equity, phantom equity, or equity-based compensation, retirement, pension, savings, profit sharing,
bonus, incentive, severance, separation, employment, individual consulting or individual independent contractor, change in control,
retention, deferred compensation, vacation, paid time off, medical, dental, life or disability, retiree or post-termination health
or welfare, salary continuation, fringe or other compensatory or benefit plan, program, policy, arrangement or Contract, in each
case, that is maintained, sponsored or contributed to (or required to be contributed to) by OFMH on behalf of any current or former
employees, directors or other service providers of the OppFi Companies, any of the OppFi Companies, or under or with respect to
which any of the OppFi Companies has any material Liability (but, for scheduling purposes, excluding any offer letters and/or employment
agreements for at-will employment that do not include contractual severance obligations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Equity
Value</U>&#8221; means an amount equal to seven hundred forty three million dollars ($743,000,000).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Fundamental
Representations</U>&#8221; means the representations and warranties set forth in <U>Section 3.1</U> (<I>Organization Authority;
Enforceability</I>), <U>Section 3.3</U> (<I>Capitalization</I>), and <U>Section 3.13</U> (<I>Brokerage</I>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Parties</U>&#8221;
has the meaning set forth in <U>Section 10.2(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Permits</U>&#8221;
has the meaning set forth in <U>Section 3.17(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Post-Closing
Representation</U>&#8221; has the meaning set forth in <U>Section 10.16(a)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company PPP
Loan</U>&#8221; means that certain PPP Loan agreement, entered into between the Company and BMO Harris Bank National Association,
dated April 13, 2020 and that Note, entered into between the Company and BMO Harris Bank National Association, dated April 13,
2020, in the principal amount of $6,354,000.00.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Released
Matters</U>&#8221; has the meaning set forth in <U>Section 5.13(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Released
Parties</U>&#8221; has the meaning set forth in <U>Section 5.13(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Releasing
Parties</U>&#8221; has the meaning set forth in <U>Section 5.13(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Subsidiaries</U>&#8221;
means the direct and indirect Subsidiaries of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Transaction
Expenses</U>&#8221; means the aggregate Transaction Expenses incurred by, or attributable to (whether or not billed or accrued
for), (i) the Company, (ii) any Member, (iii) the Members&#8217; Representative and (iv) the OppFi Companies, in each case, as
set forth herein, and in the case of any Member, only to the extent an OppFi Company is obligated to pay, has paid, or has agreed
to pay such Transaction Expense, in each case, as set forth herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Transaction
Expenses Certificate</U>&#8221; has the meaning set forth in <U>Section 2.2(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Units</U>&#8221;
has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company&#8217;s
Disclosure Letter</U>&#8221; means the Disclosure Letter delivered by the Company to the Buyer concurrently with the execution
and delivery of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company&#8217;s
LLCA</U>&#8221; means the Second Amended and Restated Limited Liability Company Agreement of the Company, dated as of November
8, 2018, as in effect as of the Effective Date and as of immediately prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Competing
Buyer</U>&#8221; has the meaning set forth in <U>Section 5.17(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Competing
Transaction</U>&#8221; means (a) any transaction involving any OppFi Company, which, upon consummation thereof, would (x) result
in any OppFi Company becoming a public company or (y) which would impede, interfere with, or prevent the transactions contemplated
hereby, (b) any direct or indirect sale (including by way of a merger, consolidation, license,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">transfer, sale, or other business combination
or similar transaction) of any material portion of the assets (including sale or transfer of any material Intellectual Property)
or business of the OppFi Companies, taken as a whole (but excluding the sale of assets in the Ordinary Course of Business that
in the aggregate could not reasonably be expected to impede, interfere with, prevent the transactions contemplated hereby), (c)
any direct or indirect sale (including by way of an issuance, dividend, distribution, merger, consolidation, license, transfer,
sale, or other business combination or similar transaction) of Equity Interests of any OppFi Company (excluding any such sale between
or among the OppFi Companies) (except, in each case, as contemplated by this Agreement), or (d) any liquidation or dissolution
(or the adoption of a plan of liquidation or dissolution) of any OppFi Company (except to the extent contemplated by the terms
of this Agreement), in all cases of <U>clauses (a)</U> through <U>(d)</U>, either in one or a series of related transactions, where
such transaction(s) is to be entered into with a Competing Buyer (including any Interested Party or any representatives of any
Interested Party); <U>provided</U> that, notwithstanding anything herein to the contrary, &#8220;Competing Transaction&#8221; shall
be deemed to exclude any transaction, arrangement, Contract or understanding involving any Person (other than an OppFi Company)
that is an Affiliate of any Interested Party so long as such transaction, arrangement, Contract or understanding does not involve
any OppFi Company or any assets or Equity Interests of the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Confidentiality
Agreement</U>&#8221; means that certain Non-Disclosure Agreement, dated as of October 30, 2020, by and between the Buyer and the
Company, as the same may be further amended or supplemented from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Contract</U>&#8221;
means any written contract, agreement, license, sublicense, Lease, use or occupancy agreement, sublease, sales order, purchase
order, credit agreement, indenture, mortgage, note, bond or warrant (including all amendments, supplements and modifications thereto).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Copyleft
Terms</U>&#8221; has the meaning set forth in <U>Section 3.10(d)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>COVID-19</U>&#8221;
means SARS-CoV-2 or COVID-19, and any evolutions or mutations thereof or related or associated epidemics, pandemics, or disease
outbreaks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>COVID-19
Actions</U>&#8221; means all reasonable actions taken, planned, or planned to be taken by an OppFi Company in the Ordinary Course
of Business in response to events, occurrences, conditions, circumstances, or developments arising directly or indirectly as a
result of the COVID-19 outbreak, its impact on economic conditions, its impact on the operations of the Company, risks to the health
and safety of any Person, or actions taken by an applicable Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>COVID-19
Measures</U>&#8221; means any applicable quarantine, &#8216;shelter in place,&#8217; &#8216;stay at home,&#8217; workforce reduction,
social distancing, shut down, closure, sequester, safety or similar Law, Order, directive, guideline, or recommendation promulgated
by an applicable Governmental Entity (including the Centers for Disease Control and Prevention and the World Health Organization,
or an industry group providing for business closures), in each case, in connection with or in response to COVID-19, including,
but not limited to, the Coronavirus Aid, Relief, and Economic Security Act of 2020 (CARES) and the Families First Coronavirus Response
Act of 2020 (FFCRA).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>D&amp;O Provisions</U>&#8221;
has the meaning set forth in <U>Section 5.14(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Data Room</U>&#8221;
has the meaning set forth in <U>Section 10.7</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>DGCL</U>&#8221;
means the Delaware General Corporation Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Disclosure
Letters</U>&#8221; means the Buyer&#8217;s Disclosure Letter and the Company&#8217;s Disclosure Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>DLA</U>&#8221;
has the meaning set forth in <U>Section 10.16(a)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>DRE Subsidiaries</U>&#8221;
has the meaning set forth in <U>Section 7.1(g)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Earnout Company
Units</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Earnout Notice</U>&#8221;
has the meaning set forth in <U>Section 2.6(b)(ii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Earnout Restrictions</U>&#8221;
has the meaning set forth in <U>Section 2.6(b)(iv)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Earnout Voting
Shares</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Economic
Interests</U>&#8221; means the Economic Interests (as defined in the Company&#8217;s LLCA) issued and outstanding immediately prior
to the consummation of the Recapitalization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Effective
Date</U>&#8221; has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Equity Interests</U>&#8221;
means, with respect to any Person, all of the shares of capital stock, or equity of (or other ownership or profit interests in)
such Person, all of the warrants, options, or other rights for the purchase or acquisition from such Person of shares of capital
stock or equity of (or other ownership or profit interests in) such Person, all of the securities convertible into or exchangeable
for shares of capital stock or equity of (or other ownership or profit interests in) such Person, or warrants, rights, or options
for the purchase or acquisition from such Person of such shares or equity (or such other interests), restricted stock awards, restricted
stock units, equity appreciation rights, phantom equity rights, profit participation and all of the other ownership or profit interests
of such Person (including partnership or member interests therein), whether voting or nonvoting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>ERISA</U>&#8221;
means the Employee Retirement Income Security Act of 1974.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Estimated
Available Closing Date Cash Statement</U>&#8221; has the meaning set forth in <U>Section 2.2(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Estimated
Cash Adjustment</U>&#8221; means the amount equal to the <U>sum of</U> (a) the Estimated Company Cash Amount, <U>minus</U> (b)
the amount by which the Estimated Working Capital is less than the Target Working Capital Amount, if any, <U>plus</U>, (c) the
amount by which the Estimated Working Capital is greater than the Target Working Capital Amount, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Estimated
Closing Statement</U>&#8221; has the meaning set forth in <U>Section 2.2(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Estimated
Company Cash Amount</U>&#8221; has the meaning set forth in <U>Section 2.2(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Estimated
Working Capital</U>&#8221; has the meaning set forth in <U>Section 2.2(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Excess Amount</U>&#8221;
has the meaning set forth in <U>Section 2.3(b)(ii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Executives</U>&#8221;
means Jared Kaplan and Shiven Shah.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Family Member</U>&#8221;
means (a) (i) the Executives, (ii) the spouse and lineal descendants (whether natural or adopted) of any Executive, (iii) any spouse
of any of the individuals described in <U>clause (ii)</U>, and (iv) a trust solely for the benefit of any individuals described
in the foregoing <U>clauses (i)</U> through <U>(iii)</U>; and (b) any siblings or parents of any of the individuals described in
<U>clause&nbsp;(a)(i)</U> through <U>(iii)</U>; <U>provided</U> that, with respect any representation or warranty related to an
Interested Party or Family Member, <U>clause (b)</U> shall be limited to the Knowledge of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Federal Trade
Commission Act</U>&#8221; means the Federal Trade Commission Act of 1914.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Final Allocation</U>&#8221;
has the meaning set forth in <U>Section 7.1(g)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Final Buyer
Transaction Expenses</U>&#8221; means the finally determined Buyer Transaction Expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Final Company
Transaction Expenses</U>&#8221; means the finally determined Company Transaction Expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Final Tax
Basis Balance Sheet</U>&#8221; has the meaning set forth in <U>Section 7.1(g)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Financial
Statements</U>&#8221; has the meaning set forth in <U>Section 3.4(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Founder Holders</U>&#8221;
means each of the Sponsor, D. Kyle Cerminara, Larry G. Swets, Jr., Joseph Moglia, Nicholas Rudd, Hassan Baqar and Robert Weeks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Fraud</U>&#8221;
means a claim for Delaware common law fraud brought against a Party hereto based on a representation of such Party contained in
this Agreement; <U>provided</U> that at the time such representation was made (a) such representation was inaccurate, (b) such
Party had actual knowledge (and not imputed or constructive knowledge) of the inaccuracy of such representation, (c) such Party
had the specific intent to deceive another Party hereto and (d) the other Party acted in reliance on such inaccurate representation
and suffered losses as a result of such inaccuracy. For the avoidance of doubt, &#8220;Fraud&#8221; does not include any claim
for equitable fraud, promissory fraud, unfair dealings fraud, or any torts (including a claim for fraud) based on negligence or
recklessness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>GAAP</U>&#8221;
means United States generally accepted accounting principles, consistently applied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Governing
Documents</U>&#8221; means (a) in the case of a corporation, its certificate of incorporation (or analogous document) and bylaws;
(b) in the case of a limited liability company, its certificate of formation (or analogous document) and limited liability company
operating</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">agreement; or (c) in the case of a Person
other than a corporation or limited liability company, the documents by which such Person (other than an individual) establishes
its legal existence or which govern its internal affairs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Governmental
Entity</U>&#8221; means any nation or government, any state, province, county, municipal or other political subdivision thereof,
any entity exercising executive, legislative, tribal, judicial, regulatory or administrative functions of or pertaining to government,
including any court, arbitrator (public or private) or other body or administrative, regulatory or quasi-judicial authority, agency,
department, board, commission or instrumentality of any federal, state, local or foreign jurisdiction, or any self-regulated organization
or other non-governmental regulatory authority (to the extent that the rules, regulations or orders of such organization or authority
have the force of law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Income Tax
Returns</U>&#8221; means Tax Returns relating to Income Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Income Taxes</U>&#8221;
means Taxes (a) imposed on, or with reference to, net income or gross receipts, or (b) imposed on, or with reference to, multiple
bases including net income or gross receipts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Indebtedness</U>&#8221;
means, with respect to a Party, without duplication: (a) the outstanding principal amount of, and accrued (but unpaid) interest
arising for borrowed money owed to a third party; (b) all indebtedness evidenced by any note, bond, debenture, mortgage, or other
debt instrument or debt security; (c) all indebtedness for borrowed money of any Person for which such Party has guaranteed payment;
(d) all capitalized Lease obligations or obligations required to be capitalized in accordance with GAAP; (e) any Liabilities in
respect of deferred purchase price for property or services with respect to which such Person is liable, contingently or otherwise,
as obligor or otherwise for additional purchase price (excluding any purchase commitments for capital expenditures or otherwise
incurred in the Ordinary Course of Business); (f) reimbursement obligations under any drawn letters of credit; and (g) obligations
under derivative financial instruments, including hedges, currency and interest rate swaps and other similar instruments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Independent
Accountant</U>&#8221; has the meaning set forth in <U>Section 2.6(b)(ii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Independent
Auditor</U>&#8221; has the meaning set forth in <U>Section 2.3(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Insurance
Policies</U>&#8221; has the meaning set forth in <U>Section 3.16</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Intellectual
Property</U>&#8221; means all of the following in any jurisdiction throughout the world: (a) all inventions (whether patentable
or unpatentable and whether or not reduced to practice) and invention disclosures, all improvements thereto, and all patents, utility
models and industrial designs and all applications for any of the foregoing, together with all reissuances, provisionals, continuations,
continuations-in-part, divisionals, extensions, renewals and reexaminations thereof, (b) all trademarks, service marks, certification
marks, trade dress, logos, slogans, trade names, corporate and business names, and other indicia of source, including all goodwill
associated therewith, and all applications, registrations, and renewals in connection therewith (collectively, &#8220;<U>Trademarks</U>&#8221;),
(c) Internet domain names and rights of publicity and in social media usernames, handles, and accounts; (d) all works of authorship,
copyrightable works, all copyrights and rights in Software, databases, and all applications, registrations, and renewals in connection
therewith</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">and all moral rights associated with any
of the foregoing, (e) all mask works and design rights and all applications, registrations, and renewals in connection therewith,
and (f) all trade secrets, confidential business information, and confidential or proprietary ideas, research and development,
know-how, formulas, compositions, algorithms, source code, data analytics, manufacturing and production processes and techniques,
technical data and information, designs, drawings, specifications, customer and supplier lists, pricing and cost information, and
business and marketing plans and proposals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Intended
Tax Treatment</U>&#8221; has the meaning set forth in <U>Section 7.1(f)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Interested
Party</U>&#8221; means the Members and any Family Member or Affiliate of such Member (other than any OppFi Company).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Investor
Rights Agreement</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>IRS</U>&#8221;
means Internal Revenue Service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>IT Assets</U>&#8221;
means Software, systems, servers, computers, hardware, firmware, middleware, applications, networks, data communications lines,
routers, hubs, switches and all other information technology equipment, and all associated documentation, in each case, owned by
one of the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Knowledge</U>&#8221;
(a) as used in the phrase &#8220;to the Knowledge of the Company&#8221; or phrases of similar import means the actual knowledge
of any of the Executives, after reasonable inquiry and (b) as used in the phrase &#8220;to the Knowledge of the Buyer&#8221; or
phrases of similar import means the actual knowledge of the Buyer Executives, after reasonably inquiry.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Latest Balance
Sheet</U>&#8221; has the meaning set forth in <U>Section 3.4(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Latest Balance
Sheet Date</U>&#8221; means December 31, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Laws</U>&#8221;
means all applicable federal, state, local, municipal, foreign or other laws, acts, statutes, constitutions, treaties, ordinances,
codes, rules, requirements, regulations and rulings of a Governmental Entity, including common law. All references to &#8220;Laws&#8221;
shall be deemed to include any amendments thereto, and any successor Law, unless the context otherwise requires.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Leased Real
Property</U>&#8221; means all leasehold or subleasehold estates and other rights to use or occupy any land, buildings, structures,
improvements, fixtures or other interest in real property held by the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Leases</U>&#8221;
means all leases, subleases, licenses, concessions and other Contracts pursuant to which any OppFi Company holds any Leased Real
Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Liability</U>&#8221;
or &#8220;<U>Liabilities</U>&#8221; means any and all debts, liabilities and obligations, whether accrued or fixed, known or unknown,
absolute or contingent, matured or unmatured or determined or determinable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Liens</U>&#8221;
means, with respect to any specified asset, any and all liens, mortgages, hypothecations, claims, encumbrances, options, pledges,
licenses, rights of priority, easements, covenants, restrictions and security interests thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Lookback
Date</U>&#8221; means the date which is three (3) years prior to the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>LTIP</U>&#8221;
has the meaning set forth in <U>Section 5.6</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Material
Adverse Effect</U>&#8221; means any event, circumstance, state of facts, condition, change, development, occurrence or effect that
(a) individually or in the aggregate, has had a material and adverse effect upon the business, results of operations, or financial
condition of the OppFi Companies, taken as a whole, or (b) does, individually or in the aggregate, prevent the ability of the OppFi
Companies, taken as a whole, to perform their respective obligations and to consummate the transactions contemplated by this Agreement
and the Ancillary Agreements; <U>provided</U>, <U>however</U>, that, with respect to the foregoing <U>clause (a)</U>, none of the
following (or the effect of the following), alone or in combination, will constitute a Material Adverse Effect, or will be considered
in determining whether a Material Adverse Effect has occurred: (i) changes that are the result of factors generally affecting the
industries or markets in which the OppFi Companies operate; (ii) the public announcement or pendency of the transactions contemplated
by this Agreement; (iii) changes in Law or GAAP or the interpretation thereof, in each case effected after the Effective Date;
(iv) any failure of any OppFi Company to achieve any projected revenue, earnings, expense, sales or other projections, forecasts,
predictions or budgets prior to the Closing (it being understood that the underlying event, circumstance, or state of facts giving
rise to such failure that are not otherwise excluded from the definition of Material Adverse Effect may be taken into account in
determining whether a Material Adverse Effect has occurred); (v) changes that are the result of economic factors affecting the
national, regional, or world economy or financial markets; (vi) any change in the financial, banking, or securities markets; (vii)
any strike, embargo, labor disturbance, riot, earthquake, hurricane, tsunami, tornado, flood, mudslide, wild fire, other weather-related
or meteorological event, pandemic (including COVID-19, or the worsening thereof, and any COVID-19 Measures), epidemic, disease
outbreak or other natural disaster or act of god; (viii) any national or international political conditions in or affecting any
jurisdiction in which the OppFi Companies conduct business; (ix) the engagement by the United States or any district or state thereof
in hostilities or the escalation thereof, whether or not pursuant to the declaration of a national or state emergency or war, or
the occurrence or the escalation of any military or terrorist attack upon the United States or any district or state thereof, or
any United States territories, possessions or diplomatic or consular offices or upon any United States government or military installation,
equipment, or personnel; (x) any consequences arising from any action by a Party required or permitted by this Agreement; or (xi)
any consequences arising from any action taken (or omitted to be taken) by any OppFi Company at the written request of Buyer; <U>provided</U>,
<U>however</U>, that any event, circumstance, or state of facts resulting from a matter described in any of the foregoing <U>clauses
(i)</U>, <U>(iii)</U>, <U>(v)</U>, <U>(vi)</U> and <U>(ix)</U> may be taken into account in determining whether a Material Adverse
Effect has occurred only to the extent such event, circumstance, or state of facts, condition, change, development, occurrence
or effect has a material and disproportionate effect on the OppFi Companies, taken as a whole, relative to other comparable entities
operating in the industries or markets in which the OppFi Companies operate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Material
Contract</U>&#8221; has the meaning set forth in <U>Section 3.9(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Material
Leases</U>&#8221; means all Leases for each Leased Real Property that provide for a current monthly base rent of more than $150,000.00.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Material
Vendors</U>&#8221; means the top ten (10) vendors (determined by the amount purchased) of the OppFi Companies, taken as a whole,
for the fiscal years ended December 31, 2019 and December 31, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Member</U>&#8221;
or &#8220;<U>Members</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Members Prepared
Returns</U>&#8221; has the meaning set forth in <U>Section 7.1(a)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Members&#8217;
Representative</U>&#8221; has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Minimum Cash
Amount</U>&#8221; means fifteen million dollars ($15 million), or such other amount as the Company and Buyer shall mutually determine.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Negotiation
Period</U>&#8221; has the meaning set forth in <U>Section 2.3(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Non-Party
Affiliate</U>&#8221; has the meaning set forth in <U>Section 10.15</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Objection
Disputes</U>&#8221; has the meaning set forth in <U>Section 2.3(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Objection
Statement</U>&#8221; has the meaning set forth in <U>Section 2.3(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>OFMH</U>&#8221;
means OppFi Management Holdings, LLC, a Delaware limited liability company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>OFS</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>OppFi Companies</U>&#8221;
means, collectively, the Company and the Company Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>OppFi Indemnified
Person</U>&#8221; has the meaning set forth in <U>Section 5.14(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Order</U>&#8221;
means any order, writ, judgment, injunction, temporary restraining order, stipulation, determination, decree or award entered by
or with any Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Ordinary
Course of Business</U>&#8221; means, with respect to any Person, (a) any action taken or not taken by such Person in the ordinary
course of business consistent with past practice, and (b) any other reasonable action taken or not taken by such Person in good
faith in response to the actual or anticipated effect on such Person&#8217;s business of COVID-19 or any COVID-19 Measures, in
each case with respect to this <U>clause (b)</U> in connection with or in response to COVID-19.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Ordinary
Course Tax Sharing Agreement</U>&#8221; means any written commercial agreement entered into in the Ordinary Course of Business
of which the principal subject matter is not Tax but which contains customary Tax indemnification provisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Outside Date</U>&#8221;
has the meaning set forth <U>Section 9.1(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Owned Intellectual
Property</U>&#8221; means all Intellectual Property owned or purported to be owned, in whole or in part, by any of the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Party</U>&#8221;
or &#8220;<U>Parties</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>PCAOB</U>&#8221;
means the Public Company Accounting Oversight Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Permits</U>&#8221;
means all permits, licenses, registrations (excluding Intellectual Property registrations and certifications), approvals, consents,
accreditations, waivers, charters, no-action letters, memberships, bonds, privileges, certificates, orders, regulatory waivers
or exemptive relief, qualifications, exemptions or authorizations of any Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Permitted
Liens</U>&#8221; means (a) Liens securing obligations under capital leases; (b) easements, permits, rights of way, restrictions,
covenants, reservations or encroachments, minor defects, irregularities in and other similar Liens of record affecting title to
the property which do not materially impair the use or occupancy of such real property in the operation of the business of any
of the OppFi Companies as currently conducted thereon; (c) Liens for Taxes, assessments or governmental charges or levies imposed
with respect to property which are not yet due and payable or which are being contested in good faith by appropriate proceedings
(provided appropriate reserves required pursuant to GAAP have been made in respect thereof on the books and records of the OppFi
Companies); (d) Liens in favor of suppliers of goods for which payment is not yet due or delinquent (provided appropriate reserves
required pursuant to GAAP have been made in respect thereof); (e) mechanics&#8217;, materialmen&#8217;s, workmen&#8217;s, repairmen&#8217;s,
warehousemen&#8217;s, carrier&#8217;s and other similar Liens arising or incurred in the Ordinary Course of Business which are
not yet due and payable or which are being contested in good faith (provided appropriate reserves required pursuant to GAAP have
been made in respect thereof); (f) Liens arising under workers&#8217; compensation Laws or similar legislation, unemployment insurance
or similar Laws; (g) Liens arising under municipal bylaws, development agreements, restrictions or regulations, and zoning, entitlement,
land use, building or planning restrictions or regulations, in each case, promulgated by any Governmental Entity, which do not
restrict or are not violated by the OppFi Companies&#8217; current use of its real property; (h) in the case of Leased Real Property,
any Liens to which the underlying fee interest in the leased premises (or the land on which or the building in which the leased
premises may be located) is subject, including rights of the landlord under the Lease and all superior, underlying and ground Leases
and renewals, extensions, amendments or substitutions thereof, in each case that do not materially interfere with any OppFi Company&#8217;s
occupancy or use of such Leased Real Property for purposes for which it is currently used in connection the conduct of such OppFi
Company&#8217;s business; (i) Securities Liens; (j) non-exclusive licenses of Owned Intellectual Property granted to customers
in the Ordinary Course of Business; and (k) those Liens set forth on the <U>Section 1.1</U> of the Company&#8217;s Disclosure Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Person</U>&#8221;
means any natural person, sole proprietorship, partnership, joint venture, trust, unincorporated association, corporation, limited
liability company, entity or Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Personal
Information</U>&#8221; means any information relating to an identified or identifiable natural person (one who can be identified,
directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an
online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">identity of that natural person) to the
extent that such data is defined as Personal Information or similar term as defined under applicable Privacy and Security Requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Post-Closing
Adjustment</U>&#8221; has the meaning set forth in <U>Section 2.3(b)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>PPP Loan</U>&#8221;
means any covered loan obtained under 15 U.S.C. 636(a)(36) (as added to the Small Business Act by Section 1102 of the CARES Act).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Pre-Closing
Period</U>&#8221; has the meaning set forth in on <U>Section 5.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Pre-Closing
Tax Period</U>&#8221; means any taxable period ending on or before the Closing Date and the portion of any Straddle Period through
and including the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Preferred
Shares</U>&#8221; means the Preferred Shares (as defined in the Company&#8217;s LLCA) issued and outstanding immediately prior
to the consummation of the Recapitalization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Premium Cap</U>&#8221;
has the meaning set forth in <U>Section 5.14(b)(ii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Privacy and
Security Requirements</U>&#8221; means all applicable laws, regulations, internal and external Company policies and requirements
in Material Contracts concerning data privacy, data security, cybersecurity and data protection.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Pro Rata
Basis</U>&#8221; means with respect to each Member, in accordance with the ratio calculated by <U>dividing</U> (x) the number of
Retained Company Units held by such Member as of immediately following the Closing, by (y) the aggregate number of Retained Company
Units held by all of the Members as of immediately following the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Proceeding</U>&#8221;
means any action, suit, charge, litigation, arbitration, notice of violation or citation received, or other proceeding at law or
in equity (whether civil, criminal or administrative) by or before any Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Process</U>&#8221;
or &#8220;<U>Processing</U>&#8221; means the creation, collection, use (including for the purposes of sending telephone calls,
text messages and emails), storage, maintenance, processing, recording, distribution, transfer, transmission, receipt, import,
export, protection (including safeguarding, security measures and notification in the event of a breach of security), access, disposal
or disclosure or other activity regarding Personal Information (whether electronically or in any other form or medium).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Proxy Clearance
Date</U>&#8221; has the meaning set forth in <U>Section 5.11(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Proxy Statement</U>&#8221;
means the Proxy Statement on Schedule 14A to be filed with the SEC by the Buyer in connection with the Buyer Stockholder Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Publicly
Available Software</U>&#8221; means any Software (or portion thereof) (a) that is distributed (i) as free Software or open source
Software (including, for example, Software distributed under the GNU General Public License, the GNU Lesser General Public License,
the Affero General Public License, Mozilla Public License, or Apache Software License), or (ii) pursuant to open source, copyleft
or similar licensing and distribution models, or (b) that requires</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">as a condition of use, modification and/or
distribution of such Software that such Software or other Software incorporated into, derived from or distributed with such Software
(i) be disclosed or distributed in source code form, (ii) be licensed for the purpose of making derivative works, or (iii) be redistributable
at no or minimal charge.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Recapitalization</U>&#8221;
has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Required
Vote</U>&#8221; means the vote of the Buyer Stockholders set forth in the Proxy Statement to the extent required to approve the
Buyer Stockholder Voting Matters, as determined in accordance with applicable Law and the Buyer Second A&amp;R Certificate of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Retained
Company Equity Value</U>&#8221; means an amount equal to (A) the Company Equity Value, <U>plus</U> (B) Estimated Company Cash Amount,
<U>minus</U> (C) the amount by which the Estimated Working Capital is less than the Target Working Capital Amount, if any, <U>plus</U>,
(D) the amount by which the Estimated Working Capital is greater than the Target Working Capital Amount, if any, <U>minus</U> (E)
Cash Consideration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Retained
Company Units</U>&#8221; means the aggregate number of Company Units held by the Closing Members immediately following the Closing,
which shall be calculated as (a) a number of Company Units equal to the <U>quotient of</U> (i) the Retained Company Equity Value
<U>divided by</U> (ii) ten dollars ($10.00), <U>plus</U> (b) the Earnout Company Units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>SEC</U>&#8221;
means the United States Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Section 6226
Election</U>&#8221; has the meaning set forth in <U>Section 7.1(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Securities
Act</U>&#8221; means the Securities Act of 1933.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Securities
Exchange Act</U>&#8221; means the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Securities
Liens</U>&#8221; means Liens arising out of, under or in connection with (a) applicable federal, state and local securities Laws
and (b) restrictions on transfer, hypothecation or similar actions contained in any Governing Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Security
Breach</U>&#8221; means any loss, damage, or unauthorized access, disclosure, use, or breach of security of any IT networks or
systems, and the data (including Personal Information or sensitive or proprietary business information) thereon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Self-Help
Code</U>&#8221; means any back door, time bomb, drop dead device, or other Software routine designed to disable a computer program
without input from, knowledge of, or notice to the user of the program.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Shortfall
Amount</U>&#8221; has the meaning set forth in <U>Section 2.3(b)(iii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Signing Form
8-K</U>&#8221; has the meaning set forth in <U>Section 5.11(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Signing Press
Release</U>&#8221; has the meaning set forth in <U>Section 5.11(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Software</U>&#8221;
means all computer software, applications, and programs (and all versions, releases, fixes, upgrades and updates thereto, as applicable),
including software compilations, development tools, compilers, files, scripts, manuals, design notes, programmers&#8217; notes,
architecture, application programming interfaces, mobile applications, algorithms, data, databases, and compilations of data, comments,
user interfaces, menus, buttons, icons, and other items and documentation related thereto or associated therewith as well as any
foreign language versions, fixes, upgrades, updates, enhancements, new versions, previous versions, new releases and previous releases
thereof, in each case, whether in source code, object code or human readable form.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>SPD</U>&#8221;
has the meaning set forth in <U>Section 3.15(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Sponsor</U>&#8221;
means FG New America Investors LLC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Stock Exchange</U>&#8221;
means the New York Stock Exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Straddle
Period</U>&#8221; means any taxable period that begins on or before (but does not end on) the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Subsidiaries</U>&#8221;
means, of any Person, any corporation, association, partnership, limited liability company, joint venture or other business entity
of which more than fifty percent (50%) of the voting power or equity is owned or controlled directly or indirectly by such Person,
or one (1) or more of the Subsidiaries of such Person, or a combination thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tail Policy</U>&#8221;
has the meaning set forth in <U>Section 5.14(b)(ii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Target Working
Capital Amount</U>&#8221; means three million four hundred thousand dollars ($3,400,000).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax</U>&#8221;
or &#8220;<U>Taxes</U>&#8221; means (a) all United States federal, state, local, foreign, and other net or gross income, net or
gross receipts, net or gross proceeds, payroll, employment, excise, severance, stamp, occupation, windfall or excess profits, profits,
customs, capital stock, net worth, withholding, social security, unemployment, disability, real property, personal property (tangible
and intangible), sales, use, transfer, value added, alternative or add-on minimum, capital gains, user, leasing, lease, natural
resources, ad valorem, franchise, license, capital, estimated, goods and services, fuel, interest equalization, registration, recording,
premium, turnover, environmental or other taxes, charges, duties, fees, levies or other governmental charges of any kind whatsoever,
including all interest, penalties, assessments and additions imposed with respect to the foregoing, imposed by (or otherwise payable
to) any Governmental Entity, and, in each case, whether disputed or not, whether payable directly or by withholding and whether
or not requiring the filing of a Tax Return, and (b) any liability for any items described in clause (a) payable by reason of (i)
an obligation under a Contract, (ii) transferee or successor liability, (iii) operation of Treasury Regulations Section 1.1502-6(a)
(or any predecessor or successor thereof of any analogous or similar provision under applicable Law) or any other applicable Law,
or (iv) otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Accounting
Firm</U>&#8221; has the meaning set forth in <U>Section 7.1(g)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Basis
Balance Sheet</U>&#8221; has the meaning set forth in <U>Section 7.1(g)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Positions</U>&#8221;
has the meaning set forth in <U>Section 7.1(h)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Proceeding</U>&#8221;
means any audit, examination, claim or Proceeding with respect to Taxes, Tax matters, or Tax Returns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Receivable
Agreement</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Returns</U>&#8221;
means all United States federal, state, local, foreign and other returns, declarations, forms, reports, claims for refund, information
returns, elections, disclosures, statements, or other documents (including any related or supporting schedules, attachments, statements
or information, and including any amendments thereof) filed or required to be filed with a Taxing Authority in connection with,
or relating to, Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Sharing
Agreement</U>&#8221; means any agreement or arrangement (including any provision of a Contract) pursuant to which any OppFi Company
or the Buyer is or may be obligated to indemnify any Person for, or otherwise pay, any Tax of or imposed on another Person, or
indemnify, or pay over to, any other Person any amount determined by reference to actual or deemed Tax benefits, Tax assets, or
Tax savings, excluding, for the avoidance of doubt, the Tax Receivable Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Taxing Authority</U>&#8221;
means any Governmental Entity having jurisdiction over the assessment, determination, collection, administration or imposition
of any Tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Trading Day</U>&#8221;
means any day on which the Buyer Class A Common Stock is traded on the Stock Exchange, or, if Stock Exchange is not the principal
trading market for the Buyer Class A Common Stock on such day, then on the principal national securities exchange or securities
market on which the Buyer Class A Common Stock is then traded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Transaction
Expenses</U>&#8221; means:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>all fees, costs and expenses designated as Buyer Transaction Expenses or Company Transaction Expenses in this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>only to the extent Buyer is or becomes obligated to pay, has paid, or has agreed to pay, all fees, costs, bonuses and expenses
(including fees, costs and expenses of third-party advisors, legal counsel, investment bankers, or other representatives) incurred
or payable by the Buyer or the Sponsor through the Closing in connection with the preparation of the financial statements, the
negotiation, preparation and execution of this Agreement, the Ancillary Agreements and the Proxy Statement and the consummation
of the transactions contemplated hereby and thereby (including due diligence) or in connection with the Buyer&#8217;s pursuit of
a Business Combination with the Company, and the performance and compliance with all agreements and conditions contained herein
or therein to be performed or complied with (which fees, costs and expenses shall be deemed Buyer Transaction Expenses hereunder);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>only to the extent an OppFi Company is obligated to pay, has paid, or has agreed to pay, all fees, costs and expenses (including
fees, costs and expenses of third-party advisors, legal counsel, investment bankers, or other representatives) incurred or payable
by any of the OppFi Companies, the Members, or the Members&#8217; Representative through the Closing in</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">connection with the preparation of the
financial statements, the negotiation, preparation and execution of this Agreement, the Ancillary Agreements and the Proxy Statement
and the consummation of the transactions contemplated hereby and thereby (including due diligence) or in connection with the Company&#8217;s
pursuit of the transactions contemplated by this Agreement, and the performance and compliance with all agreements and conditions
contained herein or therein to be performed or complied with (which fees, costs and expenses shall be deemed Company Transaction
Expenses hereunder), which for purposes of clarification shall be deemed to include legal fees of Skadden, Arps, Slate, Meagher
 &amp; Flom LLP, counsel to TCS Group, LLC;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any Liability of the OppFi Companies in the nature of compensation under any sale, change-of-control, &#8220;stay around,&#8221;
retention, severance or similar bonus or payment plans or similar arrangements paid or payable to current or former directors,
officers or employees of the OppFi Companies, in whole or in part, as a result of or in connection with the transactions contemplated
this Agreement or any Ancillary Agreement (which fees, costs and expenses shall be deemed Company Transaction Expenses hereunder);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>all fees, costs and expenses paid or payable pursuant to the Tail Policy (which fees, costs and expenses shall be deemed
Buyer Transaction Expenses hereunder); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>all Transfer Taxes (one hundred percent (100%) of which shall be deemed Buyer Transaction Expenses hereunder).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Transfer
Taxes</U>&#8221; means all transfer, documentary, sales, use, stamp, registration, notarial fees and other similar Taxes and fees
incurred in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Treasury
Regulations</U>&#8221; means the United States Treasury Regulations promulgated under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Triggering
Event</U>&#8221; has the meaning set forth in <U>Section 2.6(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Trust Account</U>&#8221;
means the trust account established by the Buyer pursuant to the Trust Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Trust Agreement</U>&#8221;
means the Investment Management Trust Agreement, effective as of September 29, 2020, by and between the Buyer and the Trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Trust Amount</U>&#8221;
has the meaning set forth in <U>Section 4.4(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Trust Distributions</U>&#8221;
has the meaning set forth in <U>Section 10.11</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Trustee</U>&#8221;
means Continental Stock Transfer &amp; Trust Company, acting as trustee of the Trust Account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Unaudited
Financial Statements</U>&#8221; has the meaning set forth in <U>Section 3.4(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Unauthorized
Code</U>&#8221; means any virus, Trojan horse, worm, or other Software routines or hardware components designed to permit unauthorized
access, to disable, erase, or otherwise harm</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Software, hardware or data that is not
developed or authorized by any OppFi Company or the licensor of the Software or hardware components.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>VWAP</U>&#8221;
means the volume-weighted average share price of Buyer Class A Common Stock as displayed on Buyer&#8217;s page on Bloomberg (or
any successor service) in respect of the period from 9:30 a.m. to 4:00 p.m., New York City time, on such Trading Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>W&amp;C</U>&#8221;
has the meaning set forth in <U>Section 10.16(b)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Waiving Parties</U>&#8221;
has the meaning set forth in <U>Section 10.16(a)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>WARN Act</U>&#8221;
means the Worker Adjustment and Retraining Notification Act of 1988, or any similar or related Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Working Capital</U>&#8221;
means, with respect to the OppFi Companies, as of 12:01 a.m. New York City time on the Closing Date (a) the current assets (excluding
the Company Cash Amount) of the OppFi Companies, minus (b) the current liabilities (excluding any Transaction Expenses) of the
OppFi Companies, in each case, based solely on the asset and liability accounts set forth on <U>Exhibit G</U> and determined on
a combined basis in accordance with GAAP applied consistently with the principles applied in the preparation of the Annual Financial
Statements; <U>provided</U>, <U>however</U>, that in the event of any conflict between such principles and GAAP, such principles
shall control; <U>provided</U>, <U>further</U>, that neither deferred Tax assets nor any assets with respect to income Taxes shall
be included in combined current assets, and that neither deferred Tax Liabilities nor any Liabilities with respect to income Taxes
shall be included in combined current liabilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
II</B><BR>
PURCHASE AND SALE TRANSACTIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Purchase and Sale of Closing Company Units; Issuance of Buyer Class V Voting Stock</U>. Subject to the satisfaction
or waiver of the conditions set forth in <U>Section 8.1</U> (other than those conditions that by their nature are to be satisfied
at Closing, but subject to the satisfaction or waiver of those conditions), and upon the terms and subject to the conditions set
forth in this Agreement, at the Closing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company shall issue, sell, transfer, convey, assign and deliver to the Buyer the Closing Company Units, free and clear
of all Liens (other than Securities Liens).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer shall (i) issue, sell, transfer, convey, assign and deliver to the Company, in the aggregate, one (1) share of
Buyer Class V Voting Stock for each Retained Company Unit (including Earnout Company Units, the Earnout Voting Shares with respect
to which shall be subject to vesting and potential forfeiture in accordance with <U>Section 2.6</U>) held by the Company, free
and clear of all Liens (other than Securities Liens), and (ii) make appropriate book entries evidencing the issuance to the Company
of such shares of Buyer Class V Voting Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer shall be designated as the sole manager of the Company pursuant to the terms of the Company A&amp;R LLCA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Immediately after the transactions set forth in Section 2.1(a), Section 2.1(b) and Section 2.1(c), (i) the Company shall
distribute the shares of Buyer Class V Voting Stock received by the Company under Section 2.1(b) to the Members pursuant to Section
5.3 of the Company A&amp;R LLCA, and (ii) the Buyer shall make appropriate book entries (to the accounts designated by the Company
in writing prior to Closing) evidencing the distribution to the Members of such shares of Buyer Class V Voting Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company shall make a payment of the unpaid Transaction Expenses by wire transfer of immediately available funds on behalf
of the Persons that incurred such Transaction Expenses or by whom such Transaction Expenses are payable, including by utilizing
any amounts received by the Company in respect of the Closing Cash Shortfall pursuant to <U>Section 2.1(f)(i)</U>, if applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer shall disburse all Available Closing Date Cash for the following purposes and in the following order of priority:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>first, payment of the Closing Cash Shortfall, if any, to the Company (A) for purposes of the Company effectuating the payment
of Transaction Expenses pursuant to <U>Section 2.1(e)</U> and (B) to satisfy the Minimum Cash Amount; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>second, payment to the Company, by wire transfer of immediately available funds to the account or accounts designated in
writing by the Company no later than three (3) Business Days prior to the Closing, an aggregate amount in cash equal to the Cash
Consideration, which amount shall be distributed to the Closing Members on a Pro Rata Basis; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>third, contribution to the Company of any remaining Available Closing Date Cash for use by any OppFi Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Cash Consideration</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Available Closing Date Cash</U>. At least three (3) Business Days prior to the Closing Date, the Buyer shall prepare
and deliver to the Company a certificate setting forth in reasonable detail the Buyer&#8217;s good faith calculation (and attaching
reasonable supporting details to enable a review thereof by the Company) of Available Closing Date Cash, based upon, among other
things, the Company Transaction Expenses Certificate and the Buyer Transaction Expenses Certificate (the &#8220;<U>Estimated Available
Closing Date Cash Statement</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Third Party Invoices</U>. At least five (5) Business Days prior to the Closing Date, (i) the Company shall deliver to
the Buyer (A) copies of all invoices for Company Transaction Expenses (whether payable on, prior to, or after the Closing), (B)
as well as a certificate setting forth in reasonable detail the Company&#8217;s good faith calculation of the aggregate amount
of Company Transaction Expenses (the &#8220;<U>Company Transaction Expenses Certificate</U>&#8221;), (C) wire transfer or other
applicable delivery instructions for payment of each item of Company Transaction Expenses to be paid at Closing, and (D) any IRS
Form W-9, Form 1099 or other tax forms reasonably requested in connection with payment thereof, and (ii) the Buyer shall deliver
to the Company (A) copies of all invoices for Buyer Transaction Expenses (whether payable on, prior to, or after the Closing),
(B) as well as a certificate setting forth in reasonable detail the Buyer&#8217;s</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">good faith calculation of the aggregate
amount of Buyer Transaction Expenses (the &#8220;<U>Buyer Transaction Expenses Certificate</U>&#8221;), (C) wire transfer or other
applicable delivery instructions for payment of each item of Buyer Transaction Expenses to be paid at Closing, and (D) any IRS
Form W-9, Form 1099 or other tax forms reasonably requested in connection with payment thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Estimated Closing Statement</U>. Not fewer than three (3) Business Days prior to the Closing Date, the Company shall
deliver to the Buyer (i) a written statement (an &#8220;<U>Estimated Closing Statement</U>&#8221;), signed and certified by the
Chief Financial Officer of the Company in his or her capacity as such, that shall set forth the Company&#8217;s good faith calculation
of (A) Working Capital (the &#8220;<U>Estimated Working Capital</U>&#8221;), (B) the Company Cash Amount (the &#8220;<U>Estimated
Company Cash Amount</U>&#8221;), and (C) based on the amounts set forth in clauses (A) and (B), the Estimated Cash Adjustment,
(ii) the bank account designated by the Company, and (iii) all documentation reasonably necessary to compute and verify the information
set forth in such Estimated Closing Statement. During the period between delivery of its Estimated Closing Statement and the Closing,
(i) the Buyer and its representatives shall be permitted to make inquiries of the Company and its representatives regarding questions,
concerns, or disagreements with respect to such Estimated Closing Statement arising in the course of its review thereof, (ii) the
Company shall (A) make available to the Buyer and its representatives such information as the Buyer may reasonably request in connection
with its review of such Estimated Closing Statement, (B) review in good faith any comments proposed by the Buyer with respect to
the applicable Estimated Closing Statement, and (C) solely if the Company is in agreement with the Buyer&#8217;s proposed changes,
deliver a revised Estimated Closing Statement at any time prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Final Consideration Adjustment</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Determination</U>. As promptly as possible, but in any event within ninety (90) days after the Closing Date, the Buyer
in consultation with the Sponsor shall prepare and deliver to the Members&#8217; Representative (i) a statement setting forth the
Buyer&#8217;s good faith calculation of (A) the Working Capital, (B) the Company Cash Amount, and (C) based on the amounts set
forth in clauses (A) and (B), the Cash Adjustment (a &#8220;<U>Closing Statement</U>&#8221;) and (ii) all documentation reasonably
necessary to compute and verify the information set forth in such Closing Statement. After delivery of the applicable Closing Statement
by the Buyer, the Members&#8217; Representative and its representatives shall be permitted to make inquiries of the Buyer and its
representatives regarding questions, concerns, or disagreements with respect to such Closing Statement arising in the course of
their review thereof. If the Members&#8217; Representative has any objections to any of the items set forth in such Closing Statement,
then the Members&#8217; Representative shall deliver to the Buyer a statement (an &#8220;<U>Objection Statement</U>&#8221;) setting
forth in reasonable detail those items that it disputes (the &#8220;<U>Objection Disputes</U>&#8221;), the basis for each such
Objection Dispute and, to the extent practical, the Members&#8217; Representative&#8217;s proposed resolution of each such Objection
Dispute, and attaching reasonably detailed supporting documentation. If an Objection Statement is not delivered by the Members&#8217;
Representative to the Buyer within thirty (30) days after receipt of the Closing Statement, then such Closing Statement as originally
delivered by the Buyer shall be final, binding, and non-appealable by the Parties. If an Objection Statement is timely delivered,
then the Buyer and the Members&#8217; Representative shall negotiate in good faith to resolve any Objection Disputes, but if they
do not reach a final resolution within thirty (30) days after the delivery of such Objection Statement (the &#8220;<U>Negotiation
Period</U>&#8221;), the Buyer and the Members&#8217; Representative shall retain and submit each unresolved Objection Dispute to
a nationally recognized independent</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">accounting firm mutually agreed upon by
Buyer and Members&#8217; Representative (the &#8220;<U>Independent Auditor</U>&#8221;) to resolve such Objection Disputes. If,
during the Negotiation Period, the Company and the Members&#8217; Representative are able to resolve any Objection Disputes, then
such amounts as agreed upon in writing shall become final, binding, non-appealable, and conclusive on the Parties. The Independent
Auditor shall be instructed to set forth a procedure to provide for prompt resolution of any unresolved Objection Disputes and,
in any event, to make its determination in respect of such Objection Disputes within thirty (30) days following its retention.
For the avoidance of doubt, the Independent Auditor shall also resolve any disputes which may arise as to whether the terms and
procedures of this <U>Section 2.3(a)</U> have been complied with by the Parties. Neither the Buyer nor the Members&#8217; Representative
shall have or conduct any communication, either written or oral, with the Independent Auditor without the other Party either being
present (or having waived or declined its right to be present) or receiving a concurrent copy of any written communication. The
Buyer and the Members&#8217; Representative, and their respective representatives, shall cooperate fully with the Independent Auditor
during its engagement and respond on a timely basis to all reasonable requests for information or access to documents or personnel
made by the Independent Auditor, all with the intent to fairly and in good faith resolve all Objection Disputes as promptly as
reasonably practicable. The Parties shall be entitled to have a judgment entered on such written report in any court of competent
jurisdiction. In resolving any disputed item, the Independent Auditor (w) may not assign a value to any particular item greater
than the greatest value for such item claimed by either the Buyer or the Members&#8217; Representative, or less than the lowest
value for such item claimed by either the Buyer or the Members&#8217; Representative, in each case, contained in such Closing Statement
or Objection Dispute, as applicable, (x) shall be bound by the principles set forth in this Agreement, (y) shall act as an expert
and not as an arbitrator, and (z) shall limit its review to the unresolved Objection Disputes specifically set forth in the Objection
Statement. The Independent Auditor&#8217;s determination of such Objection Disputes shall be final and binding upon the Parties.
The fees, costs and expenses of such Independent Auditor incurred in resolving the disputed matter shall be equitably apportioned
by such Independent Auditor based on the extent to which the Buyer, on the one hand, or the Members&#8217; Representative, on the
other hand, is determined by the Independent Auditor to be the prevailing Party in the resolution of such unresolved Objection
Disputes. The final Closing Statement, however determined pursuant to this <U>Section 2.3(a)</U>, will produce the Working Capital
and the Company Cash Amount to be used to determine the Cash Adjustment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Payment of Post-Closing Adjustment</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For the purposes of this Agreement, the &#8220;<U>Post-Closing Adjustment</U>&#8221; shall be an amount equal to the Cash
Adjustment <U>minus</U> the Estimated Cash Adjustment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the extent the Post-Closing Adjustment is a positive amount (an &#8220;<U>Excess Amount</U>&#8221;), then, within three
(3) Business Days following the final, binding, non-appealable and conclusive determination of the Cash Adjustment in accordance
with <U>Section 2.3(a)</U> (the &#8220;<U>Adjustment Determination Date</U>&#8221;), (A) the Company shall issue, sell, transfer,
convey, assign and deliver to the Closing Members (on a Pro Rata Basis) a number of Company Units equal to the number of Additional
Company Units and (B) the Buyer shall issue, sell, transfer, convey, assign and deliver to OFS the corresponding number of shares
of Buyer Class V Voting Stock, in each case, free and clear of all Liens (other than Securities Liens), and shall make appropriate
book</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">entries evidencing the issuance to the
Members of such Company Units and to OFS of such shares of Buyer Class V Voting Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the extent the Post-Closing Adjustment is a negative amount (the absolute value of such amount, a &#8220;<U>Shortfall
Amount</U>&#8221;), then, within three (3) Business Days following the Adjustment Determination Date, (A) the Company shall redeem
from the Closing Members (on a Pro Rata Basis), and such Members shall sell, assign and transfer to the Company (on a Pro Rata
Basis), a number of Company Units equal to the number of Additional Company Units and (B) OFS shall forfeit to the Buyer the corresponding
number of shares of Buyer Class V Voting Stock held by OFS, in each case, free and clear of all Liens (other than Securities Liens),
and each such Additional Company Units and share of Buyer Class V Voting Stock shall automatically be cancelled by the Company
and the Buyer, respectively, without any further action by any Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Closing Transactions</U>. The closing of the transactions contemplated by this Agreement (the &#8220;<U>Closing</U>&#8221;)
shall take place (a) by conference call and by exchange of signature pages by email or other electronic transmission as promptly
as practicable (and in any event no later than 9:00 a.m. New York City time on the third (3rd) Business Day after the conditions
set forth in <U>Section 8.1</U> have been satisfied, or, if permissible, waived by the Party entitled to the benefit of the same
(other than those conditions which by their terms are required to be satisfied at the Closing, but subject to the satisfaction
or waiver of such conditions)) or (b) such other date and time as the Parties mutually agree (the date upon which the Closing occurs,
the &#8220;<U>Closing Date</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Closing Deliveries</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Company and Members&#8217; Representative&#8217;s Deliveries</U>. At the Closing, the Company or the Members&#8217; Representative,
as applicable, shall deliver to the Buyer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>evidence reasonably acceptable to the Buyer that the Recapitalization has been effectuated as described in the Recitals;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a certificate, duly executed by an authorized Person of the Company, in form and substance reasonably acceptable to the
Buyer, dated as of the Closing Date, certifying that the conditions set forth in <U>Section 8.1(b)(i)</U> and <U>Section 8.1(b)(ii)</U>
with respect to the Company have been satisfied;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Company A&amp;R LLCA, duly executed by the Company and the Members;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Tax Receivable Agreement, duly executed by the Members, the Company and the Members&#8217; Representative;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Investor Rights Agreement, duly executed by the Members and the Members&#8217; Representative; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Amended Sponsor Letter, duly executed by the Members&#8217; Representative and the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <U>Buyer Closing Deliveries</U>. At the Closing, the Buyer shall deliver to the Company:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a certificate, duly executed by an authorized Person of the Buyer, in form and substance reasonably acceptable to the Company,
dated as of the Closing Date, certifying that the conditions set forth in <U>Section 8.1(c)(i)</U> and <U>Section 8.1(c)(ii)</U>
have been satisfied;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Company A&amp;R LLCA, duly executed by the Buyer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Tax Receivable Agreement, duly executed by the Buyer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Investor Rights Agreement, duly executed by the Buyer and the Founder Holders; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Amended Sponsor Letter, duly executed by the Buyer and the Founder Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Earnout</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Earnout Voting Shares and Earnout Company Units</U>. Upon the Closing, the Earnout Voting Shares and Earnout Company
Units shall be subject to restrictions on transfer, as more fully described in <U>Section 2.6(b)(iv)</U>, and subject to forfeiture
in the event such Earnout Voting Shares and Earnout Company Units are not earned in accordance with <U>Section 2.6(c)</U>. The
Earnout Company Units shall be allocated to the Closing Members on a Pro Rata Basis and the Earnout Voting Shares shall be issued
to OFS in accordance with this <U>Section 2.6</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Procedures Applicable to the Earnout of the Earnout Voting Shares and Earnout Company Units</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>At the Closing, (x) the Buyer shall place the restrictive legends, in substantially the form set forth in this <U>Section
2.6(b)(i)</U>, on the certificates or book entries representing the Earnout Voting Shares, and (y) the Company shall place the
restrictive legends, in substantially the form set forth in this <U>Section 2.6(b)(i)</U> on the certificates or book entries representing
the Earnout Company Units: <FONT STYLE="text-transform: uppercase">&#8220;THESE SECURITIES ARE SUBJECT TO THE TRANSFER RESTRICTIONS
SET FORTH IN THE BUSINESS COMBINATION AGREEMENT, DATED FEBRUARY 9, 2021 (THE &#8220;<U>COMBINATION AGREEMENT</U>&#8221;), BY AND
AMONG FG New America Acquisition Corp., Opportunity Financial, LLC and CERTAIN OTHER PARTIES THERETO, AS THE SAME MAY BE AMENDED
OR RESTATED FROM TIME TO TIME, AND NO TRANSFER OF THESE SECURITIES WILL BE VALID OR EFFECTIVE UNTIL THE CONDITIONS CONTAINED IN
THE COMBINATION AGREEMENT, IF ANY, HAVE BEEN FULFILLED.&#8221;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Promptly upon the occurrence of any Triggering Event, or as soon as practicable after the Buyer or the Company becomes aware
of the occurrence of such Triggering Event or receives written notice of a Triggering Event from the Members&#8217; Representative,
the Buyer shall prepare and deliver, or cause to be prepared and delivered, in consultation with the Company, a mutually agreeable
written notice to the Members&#8217; Representative (each, an &#8220;<U>Earnout Notice</U>&#8221;), which Earnout Notice shall
set forth in reasonable detail the Triggering Event giving rise</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">to the Earnout Voting Shares and Earnout
Company Units becoming earned and the number of Earnout Voting Shares and Earnout Company Units that are so earned. The Buyer and
the Members&#8217; Representative shall use commercially reasonable efforts to resolve any disputes in good faith that may arise
between any of them with respect to the determination of the occurrence of a Triggering Event and the preparation of the applicable
Earnout Notice. In the event the Buyer and the Members&#8217; Representative are unable to reach mutual agreement with each other
with respect to the determination of the occurrence of a Triggering Event, all unresolved disputed items shall be promptly referred
to an impartial nationally recognized firm of independent certified public accountants appointed by mutual agreement of the Buyer
and the Members&#8217; Representative (the &#8220;<U>Independent Accountant</U>&#8221;). The Independent Accountant shall be directed
to render a written report on the unresolved disputed items with respect to the applicable Triggering Event and related Earnout
Notice as promptly as practicable and to resolve only those unresolved disputed items. The Buyer and the Members&#8217; Representative
shall each furnish to the Independent Accountant such work papers, schedules and other documents and information relating to the
unresolved disputed items as the Independent Accountant may reasonably request. The Independent Accountant shall resolve the disputed
items based solely on the terms and conditions in this Agreement and the presentations made on behalf of the Buyer&nbsp;and the
Members&#8217; Representative and not by independent review. The resolution of any such dispute by the Independent Accountant shall
be final and binding on the parties hereto absent manifest error in its determination, in which case the matter will be brought
back to the Independent Accountant for correction no more than one time by the Buyer or the Members&#8217; Representative, after
which the determination of the Independent Accountant shall be final and binding. The fees and expenses of the Independent Accountant
shall be borne equally by the Buyer and the Members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Promptly following the date of an Earnout Notice (or the final resolution of any disputes with respect to such Earnout Notice
in accordance with <U>Section 2.6(b)(ii)</U>), the Buyer (with respect to the Earnout Voting Shares that are so determined to have
been earned) and the Company (with respect to the Earnout Company Units that are finally determined to have been earned) shall
cause the restrictive legends set forth in <U>Section 2.6(b)(i)</U> to be removed from certificates or book entries representing
such Earnout Voting Shares and Earnout Company Units, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to the terms of the Investor Rights Agreement and/or the Company A&amp;R LLCA, as may be applicable, the holders
of the Earnout Voting Shares and/or Earnout Company Units shall not directly or indirectly, sell, transfer, assign, pledge, encumber,
hypothecate or similarly dispose of, either voluntarily or involuntarily, any of the Earnout Voting Shares or Earnout Company Units,
in case until the date on which the relevant Triggering Events have been satisfied as described in <U>Section 2.6(c)</U> and it
is finally determined that such Earnout Voting Shares or Earnout Company Units have been earned pursuant to <U>Section 2.6(b)(ii)</U>
(the restrictions in clauses (A), the &#8220;<U>Earnout Restrictions</U>&#8221;), and thereafter, such Earnout Voting Shares and
Earnout Company Units shall continue to be subject to the terms and restrictions of the Investor Rights Agreement, the Buyer Second
A&amp;R Certificate of Incorporation, the Buyer A&amp;R Bylaws and the Company A&amp;R LLCA, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For the avoidance of doubt, no additional shares of Buyer Capital Stock or Company Units will subject to the Earnout Restrictions
in this <U>Section 2.6</U>, and upon the earlier of (A) all of the Earnout Voting Shares and Earnout Company Units becoming earned
in</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">accordance with this <U>Section 2.6</U>,
or (B) the final determination that no un-earned Earnout Voting Shares and Earnout Company Units will become earned, the provisions
of this <U>Section 2.6</U> shall no longer have any force or effect. Notwithstanding the foregoing, any Earnout Voting Shares and
Earnout Company Units that are not earned in accordance with the terms of <U>Section 2.6</U> as of the end of the day on the three
(3)-year anniversary of the Closing Date (or such later date as may be applicable in the case of the Triggering Event set forth
in <U>Section 2.6(c)(iv)</U>) shall thereafter be forfeited to the Buyer, with respect to the Earnout Voting Shares, and the Company,
with respect to the Earnout Company Units, and cancelled and retired and the Buyer, OFS, and/or the Members, as applicable, shall
not have any rights with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Triggering Events</U>. The Earnout Voting Shares and the Earnout Company Units shall be earned, and as a result no longer
subject to the Earnout Restrictions, as follows (each such event, a &#8220;<U>Triggering Event</U>&#8221;):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if, on or any time prior to the third (3rd) anniversary of the Closing Date, the VWAP equals or exceeds twelve dollars ($12.00)
per share for twenty (20) Trading Days of any thirty (30) consecutive Trading Day period following the Closing, thirty three and
one third percent (33.3%) of each of the Earnout Voting Shares and the Earnout Company Units shall be earned and no longer subject
to the Earnout Restrictions;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if, on or any time prior to the third (3rd) year anniversary of the Closing Date, the VWAP equals or exceeds thirteen dollars
($13.00) per share for twenty (20) Trading Days of any thirty (30) consecutive Trading Day period following the Closing, thirty
three and one third percent (33.3%) of each of the Earnout Voting Shares and the Earnout Company Units shall be earned and no longer
subject to the Earnout Restrictions;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if, on or any time prior to the third (3rd) anniversary of the Closing Date, the VWAP equals or exceeds fourteen dollars
($14.00) per share for twenty (20) Trading Days of any thirty (30) consecutive Trading Day period following the Closing, thirty
three and one third percent (33.3%) of each of the Earnout Voting Shares and the Earnout Company Units shall be earned and no longer
subject to the Earnout Restrictions; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if a definitive agreement with respect to a Change of Control is entered into on or prior to the third (3rd) anniversary
of the Closing Date, then, effective as of immediately prior to closing of such Change of Control, (A) thirty three and one third
percent (33.3%) of each of the Earnout Voting Shares and the Earnout Company Units shall be earned and no longer subject to the
Earnout Restrictions if the price per share payable to the holders of Buyer Class A Common Stock in connection with such Change
of Control is equal to or exceeds twelve dollars ($12.00), (B) an additional thirty three and one third percent (33.3%) of each
of the Earnout Voting Shares and the Earnout Company Units shall be earned and no longer subject to the Earnout Restrictions if
the price per share payable to the holders of Buyer Class A Common Stock in connection with such Change of Control is equal to
or exceeds thirteen dollars ($13.00), and (C) an additional thirty three and one third percent (33.3%) of each of the Earnout Voting
Shares and the Earnout Company Units shall be earned and no longer subject to the Earnout Restrictions if the price per share payable
to the holders of Buyer Class A Common Stock in connection with such Change of Control is equal to or exceeds fourteen dollars
($14.00).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <U>Achievement of Multiple of Triggering Events; Equitable Adjustments</U>. For the avoidance of doubt, if the condition
for more than one Triggering Event is met pursuant to <U>Section 2.6(c)</U>, (i) the Earnout Voting Shares and Earnout Company
Units earned in connection with each such Triggering Event shall be earned and no longer subject to the Earnout Restrictions accordance
with this <U>Section 2.6</U>, and shall be cumulative with the Earnout Voting Shares and Earnout Company Units earned prior to
such time in connection with the satisfaction of any other Triggering Event (if any) and (ii) in no event shall the Buyer, the
Members, OFS or any other Person be entitled to a number of Earnout Voting Shares or the Earnout Company Units, as applicable,
which is greater than the number of Earnout Voting Shares and Earnout Company Units, as applicable. For the avoidance of doubt,
the terms of this <U>Section 2.6</U> shall be subject to <U>Section 2.8</U> with respect to equitable adjustments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Withholding</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer and the Company (and any of their respective representatives) shall be entitled to deduct and withhold (or cause
to be deducted and withheld) from any amount otherwise payable under this Agreement such amounts as are required to be deducted
and withheld with respect to the making of such payment under the Code or any other provision of applicable Laws; <U>provided</U>,
<U>however</U>, that the relevant payor will reasonably cooperate with the relevant payee prior to the making of such deductions
and withholding payments to determine whether any such deductions or withholding payments (other than with respect to compensatory
payments, if any) are required under applicable Law and in obtaining any available exemption or reduction of, or otherwise minimizing
to the extent permitted by applicable Law, such deduction and withholding. To the extent that such withheld amounts are paid over
to or deposited with the applicable Governmental Entity, such withheld amounts shall be treated for all purposes of this Agreement
as having been paid to the Person in respect of which such deduction and withholding were made. The Buyer and the Company acknowledge
that no withholding is required under applicable U.S. federal Income Tax Law as in effect as of the Effective Date (other than
with respect to compensatory payments or any deduction or withholding required by reason of the failure by the relevant payee to
timely provide a duly executed and properly completed IRS Form W-9 confirming that such payee is a U.S. person that is not subject
to backup withholding) with respect to any amounts payable by the Buyer to the Company under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If a Member is unable to provide a duly executed and properly completed IRS Form W-9, then (i) such Member shall provide
a certificate substantially in the form described in Proposed Regulations Section 1.1446(f)-2(c)(2)(ii)(B) or (ii) the Company
shall deliver&nbsp;a&nbsp;certificate substantially in the form described in Treasury Regulations Section&nbsp;1.1446(f)&#45;2(c)(2)(ii)(C),
in each case setting forth the liabilities of the Company allocated to the Company Units sold or deemed to be sold pursuant to
this Agreement under Section 752 of the Code, and the Buyer or the Company, as applicable, shall be permitted to withhold from
the amount realized by such Member in respect of such Company Units as provided in Section 1446(f) of the Code and Treasury Regulations
thereunder and consistent with the certificate provided pursuant to <U>clause&nbsp;(i)</U> or <U>(ii)</U> of this sentence, as
applicable; <U>provided</U>, <U>however</U>, that the Buyer or the Company, as applicable, shall be permitted to withhold a different
amount as the Buyer or the Company determines to be required by applicable Law to be withheld if the Buyer or the Company, as applicable,
has actual knowledge that the certificate provided pursuant to <U>clause (i)</U> or <U>(ii)</U> is incorrect or unreliable; <U>provided</U>,
<U>further</U>, that, prior to making any such withholding, the Buyer</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">provides to the Members&#8217; Representative
notice and the basis for the Buyer&#8217;s determination that the certificate provided pursuant to <U>clause (i)</U> or <U>(ii)</U>
is incorrect or unreliable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Equitable Adjustments</U>. If the outstanding shares of Buyer Capital Stock shall have been changed into a different
number of shares or a different class, with the prior written consent of the Members&#8217; Representative to the extent required
by this Agreement, by reason of any stock dividend, share capitalization, subdivision, reclassification, recapitalization, split,
combination, consolidation or exchange of shares, or any similar event shall have occurred, then any number or amount contained
in this Agreement that is based upon the number of shares of Buyer Capital Stock or price of Buyer Capital Stock shall be appropriately
adjusted to provide to the same economic effect as contemplated by this Agreement prior to such event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
III</B><BR>
REPRESENTATIONS AND WARRANTIES REGARDING THE <FONT STYLE="text-transform: none">OPPFI </FONT>COMPANIES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As an inducement to
the Buyer to enter into this Agreement and consummate the transactions contemplated by this Agreement, except (i) as set forth
in the Company&#8217;s Disclosure Letter (which shall be interpreted in accordance with <U>Section 10.14</U>), or (ii) for the
consequences of COVID-19 on the OppFi Companies, their Affiliates or their respective businesses, or the implementation or effect
of any COVID-19 Actions or COVID-19 Measures, all of which Buyer acknowledges may have been or may be material to the OppFi Companies,
their Affiliates and their respective businesses, the Company hereby represents and warrants to the Buyer as follows as of the
Effective Date and as of the Closing Date (or in the case of representations and warranties that speak of a specified date, as
of such specified date):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Organization; Authority; Enforceability</U>. Each OppFi Company is (a) duly organized or formed, validly existing
and in good standing (or the equivalent) under the Laws of its jurisdiction of organization or formation (or, if continued in another
jurisdiction, under the Laws of its current jurisdiction of registration (as applicable)), (b) qualified to do business and is
in good standing (or the equivalent) in the jurisdictions in which the conduct of its business or locations of its assets and/or
its leasing, ownership, or operation of properties makes such qualification necessary, except where the failure to be so qualified
to be in good standing (or the equivalent) would not have a Material Adverse Effect and (c) each OppFi Company has the requisite
limited liability company power and authority to own, lease and operate its properties and to carry on its businesses as presently
conducted. The Company has the limited liability company power and authority to execute and deliver this Agreement and the Ancillary
Agreements to which it is a party and to consummate the transactions contemplated hereby and thereby, and each of the OppFi Companies
have taken all limited liability company action necessary in order to execute, deliver and perform their respective obligations
hereunder and under and the Ancillary Agreements to which it is a party and to consummate the transactions contemplated hereby
and thereby and no other limited liability company proceedings on the part of any OppFi Company are necessary to approve and authorize
the execution, delivery and performance of this Agreement and the Ancillary Agreement to which it is a party and to consummate
the transactions contemplated hereby and thereby. This Agreement has been duly executed and delivered by the Company and constitutes
the valid and binding agreement of the Company, enforceable against the Company in accordance with its terms, subject to bankruptcy,
insolvency, reorganization or other Laws affecting creditors&#8217; rights generally and by general equitable principles. Correct
and complete</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">copies of the Governing Documents of each
OppFi Company, as in effect on the Effective Date, have been made available to the Buyer. None of the OppFi Companies is the subject
of any bankruptcy, dissolution, liquidation, reorganization or similar proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Noncontravention</U>. The consummation by the Company of the transactions contemplated by this Agreement and the
Ancillary Agreements to which the Company is a party do not (a) conflict with or result in any breach of any of the terms, conditions
or provisions of, (b) constitute a default under (whether with or without the giving of notice, the passage of time or both), (c)
result in a violation of, (d) give any third party the right to terminate or accelerate, or cause any termination or acceleration
of, any right or obligation under, (e) result in the creation of any Lien upon the Company Units under, (f) require any approval
under, from, or pursuant to, or (g) require any filing with, (i) any Material Contract or Material Lease, (ii) any Governing Document
of an OppFi Company, (iii) any Company Permit, or (iv) any Governmental Entity under or pursuant to any Law or Order to which any
OppFi Company is bound or subject, in each case, which would have a Material Adverse Effect. No OppFi Company is in violation of
any of the Governing Documents of such OppFi Company except as would not have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Section 3.3(a)</U> of the Company&#8217;s Disclosure Letter sets forth with respect to each OppFi Company as of the Effective
Date, (i) its name and jurisdiction of organization or formation, (ii) its form of organization or formation and (iii) the Equity
Interests issued by each OppFi Company (including the number and class (as applicable) of vested and unvested Equity Interests)
and the record ownership (including the percentage interests held thereby) thereof. The Equity Interests set forth on <U>Section
3.3(a)</U> of the Company&#8217;s Disclosure Letter comprise all of the Equity Interests of the OppFi Companies that are issued
and outstanding as of the Effective Date, immediately prior to giving effect to the transactions occurring on the Closing Date
(including prior to the Recapitalization) set forth in this Agreement and in the Ancillary Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as set forth on <U>Section 3.3(b)</U> of the Company&#8217;s Disclosure Letter, or set forth in this Agreement, and
if applicable, as further detailed in the Ancillary Agreements or the Governing Documents of the OppFi Companies:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>there are no outstanding options, warrants, Contracts, calls, puts, rights to subscribe, conversion rights or other similar
rights to which any OppFi Company is a party or which are binding upon any OppFi Company providing for the offer, issuance, redemption,
exchange, conversion, voting, transfer, disposition or acquisition of any of its Equity Interests;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>none of the OppFi Companies is subject to any obligation (contingent or otherwise) to repurchase or otherwise acquire or
retire any of its Equity Interests;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>none of the OppFi Companies is a party to any voting trust, proxy or other agreement or understanding with respect to the
voting of any of its Equity Interests;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> there are no contractual equityholder preemptive or similar rights, rights of first refusal, rights of first offer or registration
rights in respect of Equity Interests of any of the OppFi Companies to which any OppFi Company is a party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>none of the OppFi Companies has violated in any material respect any applicable securities Laws or any preemptive or similar
rights created by Law, Governing Document or Contract to which such OppFi Company is a party in connection with the offer, sale
or issuance of any of its Equity Interests; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>other than pursuant to applicable Law, there are no contractual restrictions which prevent the payment of dividends or distributions
by any of the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All of the issued and outstanding Equity Interests of the OppFi Companies have been duly authorized, validly issued, fully
paid and non-assessable and are free of any preemptive rights in respect thereto, and were not issued in violation of any preemptive
rights, call options, rights of first refusal, subscription rights, transfer restrictions or similar rights of any Person or applicable
Law (other than Securities Liens and other than as set forth in the Governing Documents of the OppFi Companies). All of the Closing
Company Units and Additional Company Units, if applicable, have been duly authorized and when issued against payment therefor as
contemplated by this Agreement will be validly issued, fully paid and non-assessable and free of any preemptive rights in respect
thereto, and will not be issued in violation of any preemptive rights, call options, rights of first refusal, subscription rights,
transfer restrictions or similar rights of any Person or applicable Law (other than Securities Liens and other than as set forth
in the Governing Documents of the OppFi Companies). Upon delivery of and payment for the Closing Company Units at the Closing,
(i) Buyer will acquire good and valid title to all of the Closing Company Units, free and clear of any Liens (other than Securities
Liens and other than as set forth in the Company A&amp;R LLCA, this Agreement or the Ancillary Agreements) and (ii) the Closing
Company Units together with the Retained Company Units (including the Earnout Company Units), will represent all of the Equity
Interests of the Company, other than as set forth in the Company A&amp;R LLCA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No OppFi Company currently owns, directly or indirectly, any Equity Interests in any Person (other than another OppFi Company),
and no OppFi Company has agreed to acquire any Equity Interests of any Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Financial Statements; No Undisclosed Liabilities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Attached as <U>Section 3.4(a)</U> of the Company&#8217;s Disclosure Letter are (i) the audited consolidated balance sheet
of the OppFi Companies as of December 31, 2019 and December 31, 2018 and the related audited consolidated statements of income,
members&#8217; equity and cash flows for the years ended December&nbsp;31, 2019 and December 31, 2018 (the &#8220;<U>Annual Financial
Statements</U>&#8221;) and (ii) the unaudited consolidated balance sheets of the OppFi Companies as of December 31, 2020 (the &#8220;<U>Latest
Balance Sheet</U>&#8221;), and the related unaudited consolidated statements of operations for the fiscal periods then ended (the
 &#8220;<U>Unaudited Financial Statements</U>&#8221;, and, together with the Annual Financial Statements, the &#8220;<U>Financial
Statements</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Each of the Financial Statements have been derived from the books and records of the OppFi Companies. Each of the Financial
Statements (i) has been prepared in all material respects in accordance with GAAP applied on a consistent basis throughout the
periods indicated therein and (ii) fairly presents, in all material respects, the combined assets, liabilities and financial condition
as of the respective dates thereof and the operating results of the OppFi Companies for the periods covered thereby, except in
each of clauses (i) and (ii): (A) as otherwise noted therein, (B) that the Unaudited Financial Statements do not include footnotes,
schedules, statements of equity and statements of cash flow and disclosures required by GAAP, (C) that the Unaudited Financial
Statements have not been prepared in accordance with Regulation S-X of the SEC or the standards of the PCAOB, and (D) that the
Unaudited Financial Statements do not include all year-end adjustments required by GAAP, in each case of clauses (A), (B), (C),
or (D), which are not, material, individually or in the aggregate, in amount or effect. The Annual Financial Statements were prepared
in accordance with Regulation S-X of the SEC and the standards of the PCAOB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each of the independent auditors for the OppFi Companies, with respect to their report included in the Annual Financial
Statements, is an independent registered public accounting firm within the meaning of the Securities Act and the applicable rules
and regulations adopted by the SEC and the PCAOB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The OppFi Companies have no material Liabilities that are required to be disclosed on a balance sheet in accordance with
GAAP, other than (i) Liabilities set forth in or reserved against in the Unaudited Financial Statements or the notes thereto or
books and records of the OppFi Companies; (ii) Liabilities that have arisen after the date of the Latest Balance Sheet in the Ordinary
Course of Business; (iii) Liabilities arising under this Agreement, the Ancillary Agreements and/or the performance by the OppFi
Companies of their respective obligations hereunder or thereunder or incurred in connection with the transactions contemplated
by this Agreement or the Ancillary Agreements, including the Transaction Expenses; (iv) Liabilities disclosed in the Company&#8217;s
Disclosure Letter; or (v) Liabilities for Company Transaction Expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>No Material Adverse Effect</U>. Since the Latest Balance Sheet Date through the Effective Date, there has been no
Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Absence of Certain Developments</U>. Since the Latest Balance Sheet Date, except as required by Law (including any
COVID-19 Measures), (a) each OppFi Company has conducted its business in all material respects in the Ordinary Course of Business
and (b) no OppFi Company has taken (or has had taken on its behalf) any action that would, if taken after the Effective Date, would
require Buyer&#8217;s consent under <U>Section 5.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Real Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither the Company nor any other OppFi Company owns, or has ever owned, any real property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Set forth on <U>Section 3.7(b)</U> of the Company&#8217;s Disclosure Letter is a correct and complete list (with address)
of all Material Leases. With respect to each of the Material</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Leases: (i) no OppFi Company subleases,
licenses, or otherwise grants to any Person the right to use or occupy the Leased Real Property or any portion thereof; (ii) the
applicable OppFi Company&#8217;s possession and quiet enjoyment of the Leased Real Property under such Material Lease, to the extent
applicable, is not being disturbed in any material respect; (iii) each applicable OppFi Company has made available to the Buyer
a correct and complete copy of all Material Leases; (iv) all rent and other material undisputed amounts due and payable with respect
to the Material Leases on or prior to the Effective Date have been paid and all rent and other material undisputed amounts due
and payable with respect to the Leased Real Property on or prior to the Closing Date, to the extent then due and payable, will
have been paid prior to the Closing Date; and (v) the Company is not in material default under any such Material Lease nor, to
the Company&#8217;s Knowledge, has an event occurred which would, with the giving of notice or the expiration of time, result in
such material default by it or by any other party to such Material Lease.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Leased Real Property comprises all of the real property used in the business of the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Since the Lookback Date, no portion of the Leased Real Property that is the subject of a Material Lease has suffered damage
by fire or other casualty loss, which has not been repaired and restored in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Tax Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each OppFi Company has timely filed all Income and other material Tax Returns required to be filed by it on or prior to
the Closing Date pursuant to applicable Laws (taking into account any validly obtained extensions of time within which to file).
All Income and other material Tax Returns filed by each of the OppFi Companies are correct and complete in all material respects
and have been prepared in compliance with all applicable Laws. All Income and other material amounts of Taxes and all Income and
other material amounts of Tax Liabilities due and payable by each of the OppFi Companies for which the applicable statute of limitations
remains open have been timely paid (whether or not shown as due and payable on any Tax Return).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each OppFi Company has timely and properly withheld or collected and paid to the applicable Taxing Authority all material
amounts of Taxes required to have been withheld and paid by it in connection with any amounts paid or owing to any employee, independent
contractor, creditor, equityholder or other third party and has otherwise complied in all material respects with all applicable
Laws relating to such withholding, collection and payment of Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No written claim has been made by a Taxing Authority in a jurisdiction where an OppFi Company does not file a particular
type of Tax Return, or pay a particular type of Tax, that such OppFi Company is or may be subject to taxation of that type by,
or required to file that type of Tax Return in, that jurisdiction, which claim has not been settled or resolved.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No OppFi Company is currently or has been within the prior five (5) taxable years the subject of any Tax Proceeding with
respect to any Taxes or Tax Returns of or with respect to any OppFi Company, no such Tax Proceeding is pending, and, to the Knowledge
of the Company, no such Tax Proceeding has been threatened in writing, in each case, that has not been</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">settled or resolved. No OppFi Company has
commenced a voluntary disclosure proceeding in any jurisdiction that has not been resolved or settled. All deficiencies, assessments,
claims, or adjustments with respect to a material amount of Taxes asserted or assessed in writing against any OppFi Company have
been fully and timely (taking into account applicable extensions) paid, settled or withdrawn, and, to the Knowledge of the Company,
no such deficiency, assessment, claim, or adjustment has been threatened or proposed in writing against any OppFi Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>There are no outstanding agreements extending or waiving the statute of limitations applicable to any Tax or Tax Return
with respect to any OppFi Company or extending a period of collection, assessment or deficiency for Taxes due from or with respect
to any OppFi Company, which period (after giving effect to such extension or waiver) has not yet expired, and no written request
for any such waiver or extension is currently pending. No OppFi Company is the beneficiary of any extension of time (other than
an automatic extension of time not requiring the consent of the applicable Governmental Entity) within which to file any Tax Return
that has not been previously filed. No private letter ruling, administrative relief, technical advice, or other similar ruling
or request has been granted or issued by, or is pending with, any Governmental Entity that relates to any Taxes or Tax Returns
of any OppFi Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No OppFi Company has been a party to any &#8220;reportable transaction&#8221; within the meaning of Treasury Regulations
Section 1.6011-4(b) (or any similar provision of U.S. state or local or non-U.S. Tax Law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company is and at all times since its formation has been classified as a partnership for U.S. federal income tax purposes
and each of the Company Subsidiaries is and at all times since its formation been classified as an entity disregarded as separate
from the Company for U.S. federal Income Tax purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No OppFi Company will be required to include any material item of income, or exclude any material item of deduction, from
taxable income for any taxable period (or portion thereof) beginning after the Closing Date as a result of: (i) an installment
sale transaction occurring on or before the Closing Date governed by Code Section 453 (or any similar provision of state, local
or non-U.S. Laws) or open transaction; (ii) a disposition occurring on or before the Closing Date reported as an open transaction
for U.S. federal income Tax purposes (or any similar doctrine under state, local, or non-U.S. Laws); (iii) any prepaid amounts
received on or prior to the Closing Date or deferred revenue realized, accrued or received outside the Ordinary Course of Business
on or prior to the Closing Date; (iv) a change in method of accounting that occurs or was requested on or prior to the Closing
Date (or as a result of an impermissible method used in a Pre-Closing Tax Period), including by reason of the application of Section
481 of the Code (or any analogous provision of state, local or non-U.S. Laws); or (v) an agreement entered into with any Governmental
Entity (including a &#8220;closing agreement&#8221; under Code Section 7121) on or prior to the Closing Date. No OppFi Company
uses the cash method of accounting for income Tax purposes. No OppFi Company has any &#8220;long-term contracts&#8221; that are
subject to a method of accounting provided for in Section 460 of the Code or has any deferred income pursuant to IRS Revenue Procedure
2004-34, Treasury Regulations Section 1.451-5, Section 455 of the Code, or Section 456 of the Code (or any corresponding provision
of state or local Law). No OppFi Company has ever owned (directly or indirectly) an interest in any &#8220;controlled foreign corporation&#8221;
within the meaning of Code Section 957.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> There is no Lien for Taxes on any of the assets of any OppFi Company, other than Permitted Liens.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No OppFi Company has any Liability for Taxes of any other Person (other than any OppFi Company) as a successor or transferee,
by Contract, by operation of Law, or otherwise (other than pursuant to an Ordinary Course Tax Sharing Agreement). No OppFi Company
is party to or bound by any Tax Sharing Agreement, except for any Ordinary Course Tax Sharing Agreement (and except that the Company&#8217;s
LLCA provides for the payment of tax distributions to the Members). All amounts payable by each OppFi Company with respect to (or
reference to) Taxes pursuant to any Ordinary Course Tax Sharing Agreement have been timely paid in accordance with the terms of
such Contracts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No Member is a foreign person within the meaning of Section 1445 or Section 1446(f) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No election has been made under Treasury Regulations Section&nbsp;301.9100-22 (or any similar provision of state, local,
or non-U.S. Laws) with respect to any OppFi Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company has a valid election under Section 754 of the Code (and any similar provision of state, local or non-U.S. Law)
in effect, and such elections will remain in effect for any taxable period that includes the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No Section 197 intangible (within the meaning of Section 197 of the Code) of any of the OppFi Companies existing as of the
end of the day on the Closing Date will be excluded from the term &#8220;amortizable section 197 intangible&#8221; pursuant to
Section 197(f)(9) of the Code and Treasury Regulations Section 1.197-2(h).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Contracts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Section 3.9(a)</U> of the Company&#8217;s Disclosure Letter contains a listing of all Contracts described in <U>clauses&nbsp;(i)</U>
through <U>(xxi)</U> below (collectively, such Contracts that are listed or should be listed in <U>Section 3.9(a)</U> of the Company&#8217;s
Disclosure Letter, &#8220;<U>Material Contracts</U>&#8221;) to which any OppFi Company is a party to, or otherwise bound. No OppFi
Company is a party to, or otherwise bound by, any (other than any Contracts that are no longer in effect and under which no OppFi
Company has any continuing or potential Liability):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>collective bargaining agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract with any Material Vendor that required payments to such Material Vendor by one or more OppFi Companies during the
2020 calendar year of an aggregate amount exceeding $1,000,000;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Material Lease;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(x) Contract for the employment or engagement of any directors, officers, employees, or individual independent contractors
providing for an annual base compensation in excess of $300,000, (y) Contract providing for severance payments in excess of $300,000,
in the aggregate, or (z) Contract requiring the payment of any compensation by any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">OppFi Company that is triggered as a result
of the consummation of the transactions contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract under which any OppFi Company has created, incurred, assumed, or borrowed any money or issued any note, indenture,
or other evidence of Indebtedness or guaranteed Indebtedness of others, in each case having an outstanding principal amount in
excess of $500,000 (other than borrowings under the existing credit facilities of the OppFi Companies);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>written license or royalty Contract licensing-in or granting to any OppFi Company any right in or immunity under any Intellectual
Property, other than Contracts (w) concerning uncustomized, commercially available Software (whether software, software-as-a-service
services, platform-as-a-service services, and/or infrastructure-as-a-service services) licensed for less than $500,000 in annual
fees; (x) that are immaterial to the business of the OppFi Companies; (y) that include a license in of any commercially available
Intellectual Property pursuant to stock, boilerplate, or other generally non-negotiable terms, such as, for example, website and
mobile application terms and conditions or terms of use, stock photography licenses, and similar Contracts; or (z) whereby Intellectual
Property is implicitly licensed;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>written license or royalty Contract licensing out or granting any rights in or immunity under any Owned Intellectual Property
to any Person (other than another OppFi Company), other than Contracts (x) pursuant to which an OppFi Company grants non-exclusive
licenses that are immaterial to the business of the OppFi Companies; (y) whereby Owned Intellectual Property is non-exclusively
implicitly licensed or non-exclusively licensed to service providers, subcontractors, or suppliers of any OppFi Company solely
to the extent necessary for such Person to provide services thereto; or (z) pursuant to which an OppFi Company grants non-exclusive
licenses of Owned Intellectual Property to customers in the Ordinary Course of Business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(viii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract that the Company reasonably expects will require aggregate future payments to or from any OppFi Company in excess
of $1,000,000 in the twelve (12)-month period immediately following Closing, other than those that can be terminated without material
penalty by such OppFi Company upon ninety (90) days&#8217; notice or less and can be replaced with a similar Contract on materially
equivalent terms in the Ordinary Course of Business; <U>provided</U> that the listing of a Contract on <U>Section 3.9(a)(viii)</U>
of the Company&#8217;s Disclosure Letter is not a representation or warranty that such Contract will actually require aggregate
future payments in such period in excess of $1,000,000;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>joint venture, partnership, or similar Contract;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(x)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>other than this Agreement, Contract for the sale or disposition of any material assets or Equity Interests of any OppFi
Company with an aggregate fair market value greater than $1,000,000 (other than those providing for sales or dispositions of (x)
assets and inventory in the Ordinary Course of Business, (y) assets no longer used in the businesses of the OppFi Companies, and
(z) non-exclusive licenses of Owned Intellectual Property granted to customers in the Ordinary Course of Business), in each case,
under which there are material outstanding obligations of the applicable OppFi Company (including any sale or disposition agreement
that has been executed, but has not closed);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Contract that materially limits or restricts, or purports to limit or restrict, any OppFi Company (or after the Closing,
the Buyer or any OppFi Company) from engaging or competing in any line of business or business activity in any jurisdiction;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract that contains a provision providing for the sharing of any revenue or cost-savings with any other Person in excess
of $1,000,000 in any one-year period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xiii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract involving the payment of any earnout or similar contingent payment with a value in excess of $500,000 in any single
instance or in excess of $2,000,000 in the aggregate;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xiv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract involving the settlement, conciliation or similar agreement of any Proceeding or threatened Proceeding (x) involving
payments (exclusive of attorney&#8217;s fees) in excess of $500,000 in any single instance or in excess of $2,000,000 in the aggregate,
or (y) that by its terms limits or restricts any OppFi Company from engaging or competing in any line of business in any jurisdiction;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract requiring any capital commitment or capital expenditure (or series of capital commitments or expenditures) following
the Closing Date by any OppFi Company in an amount in excess of $500,000 annually or $2,000,000 over the life of the Contract;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xvi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract that relates to the future acquisition of material business, assets or properties by any OppFi Company (including
the acquisition of any business, stock or material assets of any Person or any real property and whether by merger, sale of stock,
sale of assets or otherwise) for a purchase price in excess of $1,000,000 in any single instance or in excess of $3,000,000 in
the aggregate, except for (x) any agreement related to the transactions contemplated by this Agreement, (y) any non-disclosure,
indications or interest, term sheets, letters of intent or similar agreements entered into in connection with such acquisitions,
and (z) any agreement for the purchase of inventory or other assets or properties in the Ordinary Course of Business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xvii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract pursuant to which any Person (other than an OppFi Company) has guaranteed the Liabilities of an OppFi Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xviii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT>Contract limiting, in any material respect, the freedom of any OppFi Company to compete in any line of business or industry,
with any Person or in any geographic area;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>supervisory Contract with a Governmental Entity;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xx)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>terms of conditional approval from any Governmental Entity for any Company Permit; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xxi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Contract set forth on <U>Section 3.20</U> of the Company&#8217;s Disclosure Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Material Contract is in full force and effect and is valid, binding and enforceable against the applicable OppFi Company
party thereto and, to the Knowledge of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Company, against each other party thereto,
except as such may be limited by bankruptcy, insolvency, reorganization or other Laws affecting creditors&#8217; rights generally
and by general equitable principles. The Company has made available to the Buyer a correct and complete copy of each Material Contract.
With respect to all Material Contracts, none of the OppFi Companies or, to the Knowledge of the Company, any other party to any
such Material Contract is in breach or default thereunder (or is alleged in writing to be in breach or default thereunder), and
there does not exist under any Material Contract any event or circumstance which, with the giving of notice or the lapse of time
(or both), would constitute such a breach or default by any OppFi Company thereunder, or to the Knowledge of the Company, any other
party to such Material Contract. During the twelve (12) months prior to the Effective Date, no OppFi Company has received any written
claim or notice, or, to the Knowledge of the Company, oral claim or notice, of material breach of or material default under any
such Material Contract (which claim or notice has not been rescinded).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Set forth on <U>Section 3.9(c)</U> of the Company&#8217;s Disclosure Letter is a list of the Material Vendors. Since the
Latest Balance Sheet Date, no such Material Vendor has canceled, terminated, or, to the Knowledge of the Company, materially and
adversely altered its relationship with any OppFi Company or threatened in writing to cancel, terminate, or materially and adversely
alter its relationship with any OppFi Company. There have been no material disputes between any OppFi Company and any Material
Vendor since the Lookback Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Intellectual Property</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except where it would not be, individually or in the aggregate, material to the OppFi Companies, taken as a whole, (x) the
OppFi Companies and the former and current products and services and operation of the business of the OppFi Companies, in each
case, as advertised, marketed, offered for sale, sold, performed, or conducted (as applicable), have not, since the Lookback Date,
infringed, misappropriated or otherwise violated, and do not currently infringe, misappropriate or otherwise violate, any Intellectual
Property rights of any Person, and (y) there are no Proceedings pending (or, to the Knowledge of the Company, threatened, and,
in the three (3) years prior to the Effective Date, no OppFi Company has received any written charge, complaint, claim, demand,
or notice that has not been fully resolved with prejudice) alleging any such infringement, misappropriation or other violation
(including any claim that such OppFi Company must license or refrain from using any material Intellectual Property rights of any
Person) or challenging the ownership, registration, validity or enforceability of any Owned Intellectual Property. To the Knowledge
of the Company, no Person is, infringing upon, misappropriating, or otherwise violating any Owned Intellectual Property in a manner
that is material to any of the OppFi Companies (nor has done so since the Lookback Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i) Except where the failure to so own or have the right to use would not be, individually or in the aggregate, material
to the OppFi Companies, taken as a whole, the OppFi Companies are the sole and exclusive owner of all right, title and interest
in and to all Owned Intellectual Property, free and clear of all Liens (other than Permitted Liens), and each OppFi Company owns,
or has the valid right to use, all other Intellectual Property and IT Assets that are used in or necessary for the conduct of the
business of such OppFi Company as currently conducted and none of the foregoing will be materially adversely impacted by (nor will
require the payment or grant of additional material amounts or material consideration as a result of) the execution,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">delivery, or performance of this Agreement
or any Ancillary Agreement or the consummation of the transactions contemplated hereby or thereby. (ii) Set forth on <U>Section
3.10(b)</U> of the Company&#8217;s Disclosure Letter is a true and complete listing of each active and subsisting patent issuance,
Trademark registration, Internet domain name and copyright registration, and all active and subsisting applications for patents,
Trademarks and copyrights filed with a Governmental Entity, in each case which is owned by an OppFi Company or, with respect to
Internet domain names, is registered in the name of an OppFi Company. All the Intellectual Property required to be disclosed on
<U>Section 3.10(b)</U> of the Company&#8217;s Disclosure Letter is subsisting valid and enforceable. (iii) The Owned Intellectual
Property is not subject to any outstanding Order restricting the use or licensing thereof by such OppFi Company or the business
of the OppFi Companies. All the Owned Intellectual Property required to be disclosed on <U>Section 3.10(b)</U> of the Company&#8217;s
Disclosure Letter that is an issued patent, patent application, registration, or application for registration has been maintained
effective, subject to any expiration of term under applicable Law, by the filing of all necessary filings, maintenance and renewals
that have been required to be filed and timely payment of requisite fees that have become due, except in the event the OppFi Companies
have decided in the exercise of good business judgment not to maintain such application, registration, or issuance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Section 3.10(c)</U> of the Company&#8217;s Disclosure Letter sets forth a true and complete list of all Software that
is Owned Intellectual Property that are currently made available as products or services of any OppFi Company or that is otherwise
material to the OppFi Companies. All such Software (i) conforms and functions and is designed to function in all material respects
in accordance with all specifications, representations, warranties and other descriptions established in written Contracts by the
OppFi Companies or in other documents conveyed thereby to their customers or other licensees, and (ii) has been maintained for
its intended purpose and is free of any material defects or material deficiencies and, to the Knowledge of the Company, does not
contain any Self-Help Code or Unauthorized Code or similar programs; and (iii) is in all material respects sufficient for the OppFi
Companies&#8217; current (and to the Knowledge of the Company, reasonably anticipated future) needs. No Person other than an OppFi
Company possesses, or has a right to possess, a copy, in any form (print, electronic or otherwise), of any source code for such
Software (other than employees, contractors and consultants of the OppFi Companies that have confidentiality obligations to the
OppFi Companies with respect to such source code and solely to the extent necessary for them to maintain and develop such Software
for an OppFi Company) and all such source code is in the sole possession of the OppFi Companies and has been maintained as confidential.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All Publicly Available Software used by the OppFi Companies in connection with the OppFi Companies&#8217; business has been
used in all material respects in accordance with the terms of its governing license. None of the OppFi Companies has used any Publicly
Available Software in connection with Owned Intellectual Property, nor licensed or distributed to any third party any combination
of Publicly Available Software and Owned Intellectual Property, in each case, in a manner that (i) requires or conditions the use
or distribution of any Software that is Owned Intellectual Property on the disclosure, licensing, or distribution of any source
code for any Owned Intellectual Property or (ii) otherwise imposes any limitation, restriction, or condition on the right or ability
of the OppFi Companies to use, distribute, or enforce Owned Intellectual Property in any manner (the terms of such Publicly Available
Software giving rise to the events in <U>clauses (i)</U> and <U>(ii)</U>, &#8220;<U>Copyleft Terms</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> No current or former director, officer, manager, employee, agent or third-party representative of an OppFi Company has
any right, title, or interest, directly or indirectly, in whole or in part, in any material Intellectual Property owned or used
by the OppFi Companies, in each case except as would not be, individually or in the aggregate, material to the OppFi Companies.
Each OppFi Company has obtained from all Persons (including all current and former founders, officers, directors, stockholders,
employees, contractors, consultants and agents) who have contributed to the creation of any Owned Intellectual Property a valid
written present assignment of all rights, title, and interest in and to any such Owned Intellectual Property to such OppFi Company,
or all such rights, title, and interest in and to such Owned Intellectual Property have vested in such OppFi Company by operation
of Law, in each case except where the failure to do so is not, individually or in the aggregate, material to the OppFi Companies.
To the Knowledge of the Company, no Person is in violation of any such written assignment agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each OppFi Company has taken commercially reasonable measures to protect the confidentiality of all trade secrets and any
other material confidential information (including material proprietary source code) owned by such OppFi Company (and any confidential
information owned by any Person to whom any of the OppFi Companies has a confidentiality obligation). Except as required by Law
or as part of any audit or examination by a regulatory authority or self-regulatory authority, no such trade secret or confidential
information has been disclosed by any OppFi Company to any Person other than to Persons subject to a duty of confidentiality or
pursuant to a written agreement restricting the disclosure and use of such trade secrets or any other confidential information
by such Person. To the Knowledge of the Company, no Person is in violation of any such written confidentiality agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The IT Assets are sufficient in all material respects for the current business operations of the OppFi Companies. The OppFi
Companies have in place commercially reasonable disaster recovery and security plans and procedures and have taken commercially
reasonable steps to safeguard the confidentiality, availability, security and integrity of the IT Assets owned by the OppFi Companies
and all confidential or sensitive data and information stored thereon, such as Personal Information, including from unauthorized
access and infection by Unauthorized Code. The OppFi Companies have maintained in the Ordinary Course of Business all required
licenses and service contracts, including the purchase of a sufficient number of license seats, for all Software material to the
operation of the OppFi Companies as currently conducted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each item of Intellectual Property owned or used by the OppFi Companies immediately prior to the Closing will be owned or
available for use by the OppFi Companies immediately subsequent to the Closing on identical terms and conditions as owned or used
by the OppFi Companies immediately prior to the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Data Security; Data Privacy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Since the Lookback Date, to the Knowledge of the OppFi Companies, the OppFi Companies have not received any written notice
of a Security Breach from any vendor processing Personal Information on their behalf. The OppFi Companies have implemented and,
as applicable, required their third party vendors to implement, and maintain adequate policies and commercially reasonable security
measures regarding: (i) the confidentiality, integrity, and availability of Personal Information and proprietary or sensitive business
information in their</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">possession, custody, or control or held
or processed on their behalf, and (ii) the integrity and availability of the IT Assets. To the Knowledge of the OppFi Companies,
the IT Assets are free from malicious software, hardware, or any other implement designed to disrupt, damage, or gain unauthorized
access to any software or hardware. Except as set forth on <U>Section 3.11(a)</U> of the Company&#8217;s Disclosure Letter, the
OppFi Companies have not experienced any material information security incident that has materially compromised the confidentiality,
integrity or availability of the IT Assets or the data thereon. Since the Lookback Date, no OppFi Company has received any written
complaint, claim, demand, inquiry or other notice, including a notice of investigation, from any Person (including any Governmental
Entity or self-regulatory authority or entity) regarding any of the OppFi Companies&#8217; Processing of Personal Information,
any Security Breach or compliance with applicable Privacy and Security Requirements. Since the Lookback Date, no OppFi Company
has notified in writing, or, to the Knowledge of the OppFi Companies, has been required by any Privacy and Security Requirement
to notify in writing, any person or entity of any Security Breach.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each OppFi Company is, and since the Lookback Date has been, in material compliance with all applicable Privacy and Security
Requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Litigation</U>. There are no Proceedings (or to the Knowledge of the Company, investigations by a Governmental Entity)
pending or, to the Knowledge of the Company, threatened in writing against any OppFi Company or any director or officer of an OppFi
Company (in their capacity as such) in which the reasonably expected damages are in excess of $1,000,000 and since the Lookback
Date the OppFi Companies have not been subject to or bound by any material outstanding Orders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Brokerage</U>. No OppFi Company has any Liability in connection with this Agreement or the Ancillary Agreements,
or the transactions contemplated hereby or thereby, that would result in the obligation of any OppFi Company or the Buyer to pay
any finder&#8217;s fee, brokerage, or agent&#8217;s commissions or other like payments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Labor Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company has made available to the Buyer a complete list of all employees of the OppFi Companies as of on or about January
31, 2021, and, as applicable, their classification as exempt or non-exempt under the Fair Labor Standards Act, employer, title
and/or job description, job location (city and state) and base compensation and any bonuses paid with respect to the 2020 fiscal
year. As of the Effective Date, to the Knowledge of the Company, all employees of the OppFi Companies are legally permitted to
be employed by the OppFi Companies in the jurisdiction in which such employees are employed in their current job capacities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No OppFi Company is a party to or negotiating any collective bargaining agreement with respect to employees of any OppFi
Company. There are no strikes, work stoppages, slowdowns, or other material labor disputes pending or, to the Knowledge of the
Company, threatened against any OppFi Company, and no such strikes, work stoppages, slowdowns, or other material disputes have
occurred since the Lookback Date. Since the Lookback Date, (i) no labor union or other labor organization, or group of employees
of any OppFi Company, has made a written demand for recognition or certification with respect to any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">employees of any OppFi Company, and there
are no representation or certification proceedings presently pending or, to the Knowledge of the Company, threatened to be brought
or filed with the National Labor Relations Board or any similar labor relations tribunal or authority, (ii) to the Knowledge of
the Company, there have been no pending or threatened union organizing activities with respect to employees of any OppFi Company,
and (iii) there has been no actual or, to the Knowledge of the Company, threatened, material unfair labor practice charges against
any OppFi Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as would not reasonably be expected to result in material Liabilities to the OppFi Companies, the OppFi Companies,
are, and since the Lookback Date have been, in compliance, in all material respects, with all applicable Laws relating to the employment
of labor, including (where applicable) provisions thereof relating to wages and hours, classification (including employee, independent
contractor classification and the proper classification of employees as exempt employees and nonexempt employees under the Fair
Labor Standards Act and applicable state and local Laws), equal opportunity, employment harassment, discrimination or retaliation,
disability rights, workers&#8217; compensation, affirmative action, collective bargaining, workplace health and safety, immigration
(including the completion of Forms I-9 for all employees and the proper confirmation of employee visas), whistleblowing, plant
closures and layoffs (including the WARN Act), employee trainings and notices, labor relations, employee leave issues, unemployment
insurance, and the payment of social security and other Taxes. Since the Lookback Date, none of the OppFi Companies has implemented
any plant closing or mass layoff of their employees triggering notice requirements under the WARN Act, nor is there presently any
outstanding liability under the WARN Act with respect to any such actions, and as of the Effective Date, no such plant closings
or employee layoffs are currently planned or announced by the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as would not reasonably be expected to result in material Liabilities to the OppFi Companies, since the Lookback
Date, (i) each of the OppFi Companies has withheld all amounts required by Law or by agreement to be withheld from the wages, salaries
and other payments that have become due and payable to employees; (ii) no OppFi Company has been liable for any arrears of wages,
compensation or related Taxes, penalties, or other sums with respect to its employees; (iii) each of the OppFi Companies has paid
in full to all employees and individual independent contractors all wages, salaries, commissions, bonuses and other compensation
due and payable to or on behalf of such employees and such individual independent contractors; and (iv) to the Knowledge of the
Company, each individual who since the Lookback Date has provided or is providing services to any OppFi Company, and has been classified
as (y) an independent contractor, consultant, leased employee, or other non-employee service provider, or (z) an exempt employee,
has been properly classified as such under all applicable Laws relating to wage and hour and Tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the Knowledge of the Company, no employee or individual independent contractor of any OppFi Company is, with respect
to his or her employment by or relationship with any OppFi Company, in material breach of the terms of any employment agreement,
nondisclosure agreement, noncompetition agreement, nonsolicitation agreement, restrictive covenant or similar obligation (i) owed
to the OppFi Companies; or (ii) owed to any third party with respect to such Person&#8217;s employment or engagement by the OppFi
Companies. To the Knowledge of the Company, no senior executive has provided oral or written notice, and no key employee of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">OppFi Companies has provided written notice,
of any present intention to terminate his or her relationship with any OppFi Company within the first twelve (12) months following
the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Since the Lookback Date, the OppFi Companies have used commercially reasonable efforts to investigate all sexual harassment,
other discrimination, or retaliation allegations that have been reported to the appropriate individuals at the OppFi Companies
responsible for reviewing such allegations in accordance with the policies and procedures established by the OppFi Companies. With
respect to each such allegation with potential merit, the OppFi Companies have taken such corrective action that is reasonably
calculated to prevent further improper conduct. The OppFi Companies do not reasonably expect any material Liabilities with respect
to any such allegations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Since the Lookback Date, there are no pending or, to the Company&#8217;s Knowledge, threatened charges, complaints, arbitrations,
audits, or investigations before any Governmental Entity brought against the OppFi Companies by or on behalf of any current or
former employee (or any person alleging to be an employee), any applicant for employment, any class of the foregoing, or any Governmental
Entity, that involve the labor or employment relations and practices of the OppFi Companies that would reasonably be expected to
result, individually or in the aggregate, in material liability to the OppFi Companies taken as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Employee Benefit Plans</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Section 3.15(a)</U> of the Company&#8217;s Disclosure Letter sets forth a list of each material Company Employee Benefit
Plan (other than offer letters for &#8220;at-will&#8221; employment that do not contain severance). With respect to each material
Company Employee Benefit Plan, the Company has made available to the Buyer correct and complete copies of, as applicable, (i) the
current plan document (and all amendments thereto), (ii) the most recent summary plan description (&#8220;<U>SPD</U>&#8221;) (with
all summaries of material modifications thereto), (iii) the most recent determination, advisory or opinion letter received from
the IRS, (iv) the most recently filed Form 5500 annual report with all schedules and attachments as filed, (v) all current related
material insurance Contracts, trust agreements or other funding arrangements, and (vi) all material non-routine correspondence
to or from the IRS, the United States Department of Labor, the Pension Benefit Guaranty Corporation, or any other Governmental
Entity received in the two (2) years prior to the Effective Date with respect to any Company Employee Benefit Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No OppFi Company has any current or contingent obligation to provide retiree or post-employment health or life insurance
or any other retiree or post-employment welfare-type benefits to any Person other than as required under Section 4980B of the Code
or any similar state Law and for which the covered Person pays the full cost of coverage. No OppFi Company sponsors, maintains,
or contributes to (or is required to contribute to), or has any Liability under or with respect to, a &#8220;defined benefit plan&#8221;
(as defined in Section&nbsp;3(35) of ERISA) or a plan that is or was subject to Title IV of ERISA or Section&nbsp;412 or 430 of
the Code. No OppFi Company contributes to, or has any obligation to contribute to, or has any Liability under or with respect to,
any &#8220;multiemployer plan,&#8221; as defined in Section 3(37) of ERISA. No Company Employee Benefit Plan is (i) a &#8220;multiple
employer plan&#8221; within the meaning of Section 413(c) of the Code or Section 210 of ERISA, or (ii) a &#8220;multiple employer
welfare arrangement&#8221; (as defined in Section 3(40) of ERISA). No OppFi Company has any, or is reasonably expected to have
any,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Liability under Title IV of ERISA on account
of being considered a single employer under Section 414 of the Code with any other Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Company Employee Benefit Plan that is intended to be qualified within the meaning of Section 401(a) of the Code has
received, or may rely upon, a current favorable determination, advisory or opinion letter from the IRS, and to the Knowledge of
the Company, nothing has occurred with respect to the participation of the OppFi Companies in such plan that would reasonably be
expected to cause the loss of the tax-qualified status or to materially adversely affect the qualification of such Company Employee
Benefit Plan. Each Company Employee Benefit Plan has been established, operated, maintained, funded and administered in accordance
in all material respects with its respective terms and in compliance in all material respects with all applicable Laws, including
ERISA and the Code. No OppFi Company, nor to the Knowledge of the Company, any other Person, has engaged in any material &#8220;prohibited
transactions&#8221; within the meaning of Section 4975 of the Code or Sections 406 or 407 of ERISA that are not otherwise exempt
under Section 408 of ERISA and to the Knowledge of the Company, no material breaches of fiduciary duty (as determined under ERISA)
have occurred with respect to any Company Employee Benefit Plan since the Lookback Date. There is no Proceeding (other than routine
claims for benefits) pending or, to the Knowledge of the Company, threatened, with respect to any Company Employee Benefit Plan
or against the assets of any Company Employee Benefit Plan, in each case that would result in material liability to the OppFi Companies.
The OppFi Companies have complied in all material respects with the requirements of the Patient Protection and Affordable Care
Act, including the Health Care and Education Reconciliation Act of 2010 (the &#8220;<U>ACA</U>&#8221;), and none of the OppFi Companies
have incurred (whether or not assessed), nor is reasonably expected to incur, any material penalty or Tax under the ACA (including
with respect to the reporting requirements under Sections 6055 and 6056 of the Code, as applicable) or under Section 4980H, 4980B
or 4980D of the Code. All contributions, distributions, reimbursements and premium payments that are required to be made or paid
by any of the OppFi Companies have been timely made in all material respects in accordance with the terms of the Company Employee
Benefit Plans and in all material respects in compliance with the requirements of applicable Law and all contributions, distributions,
reimbursements and premium payments required to be made or paid by any of the OppFi Companies for any period ending on or before
the Closing Date that are not yet due have in all material respects been made or properly accrued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The consummation of the transactions contemplated by this Agreement, alone or together with any other event will not (i)
result in any material payment or benefit becoming due or payable to any current or former officer, employee, director, or individual
independent contractor under a Company Employee Benefit Plan, (ii) increase the amount or value of any benefit or compensation
otherwise payable or required to be provided to any current or former officer, employee, director, or individual independent contractor
under a Company Employee Benefit Plan, (iii) result in the acceleration of the time of payment, vesting or funding, or forfeiture,
of any such benefit or compensation under a Company Employee Benefit Plan, or (iv) result in the forgiveness in whole or in part
of any outstanding loans made by the OppFi Companies to any current or former officer, employee, director, or individual independent
contractor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> No Person has any right against the OppFi Companies to be grossed up for, reimbursed or otherwise indemnified for any Tax
or interest imposed under Section 409A of the Code or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither the execution or delivery of this Agreement nor the consummation of the transactions contemplated by this Agreement
could reasonably be expected to, either alone or in conjunction with any other event, result in the payment of any amount that
could, individually or in combination with any other payment, constitute a &#8220;parachute payment&#8221; (as defined in Section
280G(b)(2) of the Code). No OppFi Company has agreed to pay, gross-up, reimburse or otherwise indemnify any Person for any Tax
imposed under Section 4999 of the Code or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Insurance</U>. The OppFi Companies have in effect policies of insurance (including all policies of property, fire
and casualty, liability, workers&#8217; compensation, directors and officers and other forms of insurance as may be applicable
to the businesses of the OppFi Companies) in amounts and scope of coverage as are customary for companies of a similar nature and
size operating in the industries in which the OppFi Companies operate (the &#8220;<U>Insurance Policies</U>&#8221;). As of the
Effective Date: (a) all of the Insurance Policies held by, or for the benefit of, the OppFi Companies with respect to policy periods
that include the Effective Date are in full force and effect, and (b) since the Lookback Date, no OppFi Company has received a
written notice of cancellation of any of the Insurance Policies or of any changes that are required in the conduct of the business
of the OppFi Companies as a condition to the continuation of coverage under, or renewal of, any of the Insurance Policies. The
Insurance Policies satisfy all insurance-related requirements necessary for the OppFi Companies to maintain in good standing all
Company Permits. No OppFi Company is in breach or default under, nor has it taken any action or failed to take any action which,
with notice or the lapse of time, or both, would constitute a breach or default under, or permit an increase in premium, cancellation,
reduction in coverage, denial or non-renewal with respect to any Insurance Policy. During the twelve (12) months prior to the Effective
Date, there have been no claims by or with respect to the OppFi Companies under any Insurance Policy as to which coverage has been
denied or disputed by the underwriters of such Insurance Policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Compliance with Laws; Permits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each OppFi Company is and, since the Lookback Date, has been, in material compliance with all Laws applicable to the conduct
of the business of such OppFi Company and, since the Lookback Date, no written notices have been received by any OppFi Company
from any Governmental Entity or any other Person alleging a violation of any such Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each OppFi Company holds all Permits required for the ownership and use of its assets and properties or the conduct of their
businesses (including for the occupation and use of the Leased Real Property) as currently conducted (collectively, &#8220;<U>Company
Permits</U>&#8221;). The operations of the OppFi Companies are and, since the Lookback Date, have been conducted in compliance
in all material respects with all terms and conditions of all Company Permits. <U>Section 3.17(b)</U> of the Company&#8217;s Disclosure
Letter sets forth (i) all Company Permits of each OppFi Company and (ii) all pending Permits of each OppFi Company. All Company
Permits are valid and in full force and effect and none of such Company Permits will be terminated or become terminable as a result
of, or in connection with, the consummation of the transactions contemplated</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">by this Agreement. No OppFi Company is
or has, since the Lookback Date, been in default under any Permit, and no Company Permit has been suspended, terminated, revoked,
withdrawn, modified, or limited since the Lookback Date. To the Knowledge of the Company, no condition exists that, with the giving
of notice or lapse of time or both, would constitute a default under any Company Permit, and no Proceeding (or to the Knowledge
of the Company, investigation by a Governmental Entity) is pending or, to the Knowledge of the Company, threatened, to suspend,
terminate, revoke, or withdraw any Company Permit, or to modify or limit any Company Permit in a manner that has had or would reasonably
be expected to have a material adverse effect on the ability of the applicable OppFi Company to use such Company Permit or conduct
its business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Section 3.17(c)</U> of the Company&#8217;s Disclosure Letter sets forth, as of the date hereof, all bank accounts of
the OppFi Companies. Since the Lookback Date, no bank has closed or, to the Knowledge of the Company, threatened to close, any
bank account of an OppFi Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The OppFi Companies have implemented all policies, procedures, and processes required of them by their bank partners and
otherwise as would be consistent with standard industry practices, but in no event less than commercially reasonable practices,
to ensure compliance with applicable Law, including sufficient allocation of resources, internal and external, and appropriate
board of directors review of such policies, procedures, and processes and oversight day to day by qualified management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.18<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Title to and Sufficiency of Assets; No Bankruptcy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each OppFi Company has good and marketable title to, or, in the case of leased or subleased assets, a valid and binding
leasehold interest in, or, in the case of licensed assets, a valid license in, all of its tangible or intangible assets, properties
and rights free and clear of all Liens other than Permitted Liens (collectively, the &#8220;<U>Assets</U>&#8221;). All such tangible
Assets that are material to the operation of the business of the OppFi Companies are in reasonably good condition and in a state
of reasonably good maintenance and repair (ordinary wear and tear excepted) and are suitable for the purposes used.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Assets constitute all of the material tangible and intangible assets, properties and rights necessary to conduct the
business of the OppFi Companies immediately after the Closing, in all material respects, as it has been operated for the six (6)
months leading up to the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>None of the OppFi Companies is the subject of any bankruptcy, dissolution, liquidation, reorganization, or similar Proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.19<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Anti-Money Laundering Compliance</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The OppFi Companies maintain and implement policies and procedures designed to reasonably prevent money laundering and otherwise
ensure compliance with all applicable Anti-Money Laundering Laws. There have been no matters of material non-compliance with any
Anti-Money Laundering Laws by the OppFi Companies in the five (5) years prior to the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> No OppFi Company nor, to the Knowledge of the Company, any of their respective directors, officers, managers, employees,
agents or third-party representatives (in their capacities as such) has knowingly engaged in a transaction that involves the proceeds
of crime in violation of any Anti-Money Laundering Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>There are no legal, regulatory, or administrative Proceedings, filings, Orders, or, to the Knowledge of the Company, governmental
investigations, alleging any violations of any Anti-Money Laundering Laws by any OppFi Company or any of their respective directors,
officers, managers, or employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.20<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Affiliate Transactions</U>. There are no Contracts (except for the Governing Documents) between any of the OppFi
Companies, on the one hand, and any Interested Party (other than another OppFi Company) on the other hand and no Interested Party
(other than another OppFi Company) (a) owes any amount to any OppFi Company, (b) owns any material assets, tangible or intangible,
necessary for the conduct of the business of any OppFi Company as it has been operated for the twelve (12) months prior to the
Effective Date, or (c) owns any interest in, or is a director, officer, or owner of, or lender to or borrower from, or has the
right to participate in the profits of, any Person that is a competitor, supplier, or landlord of any OppFi Company (other than
in connection with ownership of less than five percent (5%) of the stock of a publicly traded company) (such Contracts or arrangements,
 &#8220;<U>Affiliated Transactions</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.21<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>No Other Representations and Warranties</U>. EXCEPT FOR THE REPRESENTATIONS AND WARRANTIES EXPRESSLY SET FORTH IN
THIS <U>ARTICLE III</U> (AS MODIFIED BY THE COMPANY&#8217;S DISCLOSURE LETTER) OR IN ANY ANCILLARY AGREEMENT, NO OPPFI COMPANY
NOR ANY OF THEIR RESPECTIVE REPRESENTATIVES, DIRECTORS, MANAGERS, PARTNERS, OFFICERS, MANAGERS OR DIRECT OR INDIRECT EQUITYHOLDERS
HAS MADE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, OF ANY NATURE WHATSOEVER RELATING TO ANY OPPFI COMPANY OR THE BUSINESS
OF SUCH OPPFI COMPANY, OR OTHERWISE IN CONNECTION WITH THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY, INCLUDING ANY REPRESENTATIONS
AND WARRANTIES AS TO THE ACCURACY OR COMPLETENESS OF ANY EVALUATION MATERIAL OR AS TO THE FUTURE SALES, REVENUE, PROFITABILITY,
OR SUCCESS OF ANY OPPFI COMPANY, OR ANY REPRESENTATIONS OR WARRANTIES ARISING FROM STATUTE OR OTHERWISE IN LAW, FROM A COURSE OF
DEALING, OR USAGE OF TRADE. ALL SUCH OTHER REPRESENTATIONS AND WARRANTIES ARE EXPRESSLY DISCLAIMED BY THE COMPANY.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
IV</B><BR>
REPRESENTATIONS AND WARRANTIES OF THE BUYER</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As an inducement to
the Company to enter into this Agreement and consummate the transactions contemplated by this Agreement, except (i) as set forth
in the applicable section of the Buyer&#8217;s Disclosure Letter (which shall be interpreted in accordance with <U>Section 10.14</U>),
or (ii) as disclosed in the Buyer SEC Documents filed or furnished with the SEC prior to the Effective Date (excluding any disclosures
in any risk factors section that do not constitute statements of fact, disclosures in any forward-looking statements disclaimer
and other disclosures that are generally</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">cautionary, predictive or forward-looking
in nature), the Buyer hereby represents and warrants to the Company as follows as of the Effective Date:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Organization; Authority; Enforceability</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer is a corporation duly incorporated, validly existing and in good standing under the Laws of the State of Delaware.
The Buyer is qualified to do business and is in good standing as a foreign entity in each jurisdiction in which the character of
its properties, or in which the transaction of its business, makes such qualification necessary, except where the failure to be
so qualified and in good standing (or equivalent) would not have a Buyer Material Adverse Effect. The Buyer has the requisite power
and authority to execute and deliver this Agreement and the Ancillary Agreements to which it is a party and to consummate the transactions
contemplated hereby and thereby. The execution, delivery and performance of this Agreement, the Ancillary Agreements to which the
Buyer is a party and the transactions contemplated hereby and thereby have been duly approved and authorized by all requisite Buyer
Board action on the part of the Buyer (the &#8220;<U>Buyer Board Recommendation</U>&#8221;). No other proceedings on the part of
the Buyer (including any action by the Buyer Board or the Buyer Stockholders), except for the receipt of the Required Vote, are
necessary to approve and authorize the execution, delivery or performance of this Agreement and the Ancillary Agreements to which
the Buyer is a party and the consummation of the transactions contemplated hereby and thereby. This Agreement has been, and the
Ancillary Agreements to be executed and delivered by the Buyer at Closing will be, duly executed and delivered by Buyer and constitute
valid and binding agreement of the Buyer, enforceable against the Buyer in accordance with their respective terms, except as such
may be limited by bankruptcy, insolvency, reorganization or other Laws affecting creditors&#8217; rights generally and by general
equitable principles. The Buyer is not the subject of any bankruptcy, dissolution, liquidation, reorganization or similar proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer has received all consents, approvals, orders or authorizations of or registrations, declarations or filings with
any Governmental Entity that are required by or with respect to Buyer in connection with the execution and delivery of this Agreement
or any Ancillary Agreement by Buyer or the consummation of the transactions contemplated hereby or thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Capitalization</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The authorized share capital of Buyer consists of (i) 380,000,000 shares of Buyer Class A Common Stock, (ii) 20,000,000
shares of Buyer Class B Common Stock, and (iii) 1,000,000 shares of Buyer Preferred Stock. As of the Effective Date and as of immediately
prior to the Closing (without giving effect to the Buyer Share Redemptions or the Buyer Class B Common Stock Conversion), (A) 24,356,375
shares of Buyer Class A Common Stock are and will be issued and outstanding, (B) 5,943,750 shares of Buyer Class B Common Stock
are and will be issued and outstanding, (C) no shares of Buyer Preferred Stock are and will be issued and outstanding, and (D)
17,539,437 warrants of Buyer are and will be issued and outstanding, in such amounts, type, exercise price and with such expiration
date as set forth on <U>Section 4.2(a)</U> of the Buyer&#8217;s Disclosure Letter (the &#8220;<U>Buyer Warrants</U>&#8221;). The
exercise price of each Buyer Warrant has not been reduced to an amount less than $11.50 per Buyer Warrant. The Equity Interests
set forth in this <U>Section 4.2(a)</U> comprise all of the Equity Interests of the Buyer that are issued and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">outstanding (without giving effect to the
Buyer Share Redemptions or the Buyer Class B Common Stock Conversion).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as (w) set forth on <U>Section 4.2(b)</U> of the Buyer&#8217;s Disclosure Letter, (x) set forth in this Agreement
(including as set forth in <U>Section 4.2(a)</U>), the Ancillary Agreements or the Governing Documents of the Buyer, (y) as contemplated
by the Amended Sponsor Letter, and (z) for the Buyer Share Redemptions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>there are no outstanding options, warrants, Contracts, calls, puts, bonds, debentures, notes, rights to subscribe, conversion
rights or other similar rights to which the Buyer is a party or which are binding upon Buyer providing for the offer, issuance,
redemption, exchange, conversion, voting, transfer, disposition or acquisition of any of its Equity Interests, and the Buyer has
not granted any share appreciation rights or any other contractual rights the value of which is derived from the financial performance
of the Buyer or the value of any of its Equity Interests;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>there are no contractual obligations of the Buyer pursuant to which the Buyer could be required to register shares of the
Buyer Capital Stock or other securities under the Securities Act;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Buyer is not subject to any obligation (contingent or otherwise) to repurchase or otherwise acquire or retire any of its
Equity Interests;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Buyer is not a party to any stockholder agreement, investment agreement, side letter, subscription agreement, voting trust,
proxy or other agreement or understanding with respect to the voting or transfer of any of its Equity Interests;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>there are no contractual equityholder preemptive or similar rights, rights of first refusal, rights of first offer, or registration
rights in respect of Equity Interests of Buyer; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Buyer has not violated in any material respect any applicable securities Laws or any preemptive or similar rights created
by Law, Governing Document, or Contract to which Buyer is a party in connection with the offer, sale or issuance of any of its
Equity Interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All of the issued and outstanding Equity Interests of the Buyer have been duly authorized, validly issued and fully paid
and are non-assessable and free of any preemptive rights in respect thereto, and were not issued in violation of any preemptive
rights, call options, rights of first refusal or similar rights of any Person or applicable Law, other than in each case Securities
Liens.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as set forth on <U>Section 4.2(d)</U> of the Buyer&#8217;s Disclosure Letter, Buyer does not own, directly or indirectly,
any Equity Interests, participation or voting right or other investment (whether debt, equity or otherwise) in any Person (including
any Contract in the nature of a voting trust or similar agreement or understanding) or any other equity equivalents in or issued
by any other Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Upon issuance and delivery of the Buyer Class V Voting Stock to the Company at the Closing, and upon the further distribution
of the Buyer Class V Voting Stock to the Members pursuant to Section 5.3 of the Company A&amp;R LLCA, such Buyer Class V Voting
Stock will (i) be duly authorized and validly issued, and fully paid and nonassessable, (ii) be issued in compliance in all material
respects with applicable Law, (iii) not be issued in breach or violation of any preemptive rights or any Contract, (iv) be issued
to the Company with good and valid title, free and clear of any Liens other than Securities Liens and forfeiture rights as described
in <U>Section 2.6</U> in relation to the Earnout Voting Shares, and (v) represent all of the Buyer Class V Voting Stock issued
or outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as set forth on <U>Section 4.2(f)</U> of the Buyer&#8217;s Disclosure Letter, Buyer has no Liability with respect
to indebtedness for borrowed money.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Brokerage</U>. Except as set forth on <U>Section 4.3</U> of the Buyer&#8217;s Disclosure Letter, the Buyer has not
incurred any Liability in connection with this Agreement or the Ancillary Agreements, or the transactions contemplated hereby or
thereby, that would result in the obligation of any OppFi Company or Buyer to pay a finder&#8217;s fee, brokerage or agent&#8217;s
commissions or other like payments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Trust Account</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As of the Effective Date, the Buyer has at least two hundred forty three million three hundred seventy five thousand dollars
($243,375,000) (the &#8220;<U>Trust Amount</U>&#8221;) in the Trust Account, with such funds invested in United States government
securities or in money market funds meeting certain conditions under Rule 2a-7 promulgated under the Investment Company Act of
1940, and held in trust by the Trustee pursuant to the Trust Agreement. The Trust Agreement is in full force and effect and is
a legal, valid and binding obligation of the Buyer, and, to the Knowledge of the Buyer, the Trustee, enforceable in accordance
with its terms. The Trust Agreement has not been terminated, repudiated, rescinded, amended, supplemented or modified, in any respect
by the Buyer or the Trustee, and no such termination, repudiation, rescission, amendment, supplement or modification is contemplated
by the Buyer. The Buyer is not party to or bound by any side letters with respect to the Trust Agreement or (except for the Trust
Agreement) any Contracts, arrangements or understandings, whether written or oral, with the Trustee or any other Person that would
(i) cause the description of the Trust Agreement in the Buyer SEC Documents to be inaccurate in any material respect or (ii) explicitly
by their terms, entitle any Person (other than (A) the Buyer Stockholders who shall have exercised their rights to participate
in the Buyer Share Redemptions, (B) the underwriters of the Buyer&#8217;s initial public offering, who are entitled to the deferred
discount (as such is described in the Trust Agreement) and (C) the Buyer with respect to income earned on the proceeds in the Trust
Account to cover any of its Tax obligations and up to one hundred thousand dollars ($100,000) of interest on such proceeds to pay
dissolution expenses) to any portion of the proceeds in the Trust Account. Prior to the Closing, none of the funds held in the
Trust Account may be released except in accordance with the Trust Agreement or the Governing Documents of the Buyer. There are
no Proceedings (or to the Knowledge of the Buyer, investigations) pending or, to the Knowledge of the Buyer, threatened with respect
to the Trust Account. The Buyer has not released any money from the Trust Account (other than interest income earned on the principal
held in the Trust Account as permitted by the Trust Agreement). As of the Closing, the obligations of the Buyer to dissolve or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">liquidate pursuant to the Governing Documents
of the Buyer shall terminate, and, as of the Closing, the Buyer shall have no obligation whatsoever pursuant to the Governing Documents
of the Buyer to dissolve and liquidate the assets of the Buyer by reason of the consummation of the transactions contemplated hereby.
Following the Closing, no stockholder of the Buyer shall be entitled to receive any amount from the Trust Account other than any
stockholder of the Buyer who properly effectuates a Buyer Share Redemption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As of the Effective Date, assuming the accuracy of the representations and warranties of the Company herein and the compliance
by the Company with its obligations hereunder, the Buyer has no reason to believe that any of the conditions to the use of funds
in the Trust Account will not be satisfied or funds available in the Trust Account will not be available to the Buyer on the Closing
Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Buyer SEC Documents; Controls</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer has timely filed or furnished all material forms, reports, schedules, statements and other documents required
to be filed by it with the SEC since the consummation of the initial public offering of the Buyer&#8217;s securities, together
with any material amendments, restatements or supplements thereto, and all such forms, reports, schedules, statements and other
documents required to be filed or furnished under the Securities Act or the Securities Exchange Act (excluding Section 16 under
the Securities Exchange Act) (all such forms, reports, schedules, statements and other documents filed with the SEC, the &#8220;<U>Buyer
SEC Documents</U>&#8221;). As of their respective dates, each of the Buyer SEC Documents, as amended (including all financial statements
included therein, exhibits and schedules thereto and documents incorporated by reference therein), complied in all material respects
with the applicable requirements of the Securities Act, or the Securities Exchange Act, as the case may be, and the rules and regulations
of the SEC thereunder applicable to such Buyer SEC Documents. None of the Buyer SEC Documents contained, when filed or, if amended
prior to the Effective Date, as of the date of such amendment with respect to those disclosures that are amended, any untrue statement
of a material fact or omitted to state a material fact required to be stated therein or necessary to make the statements therein,
in light of the circumstances under which they were made, not misleading. To the Knowledge of Buyer, as of the Effective Date,
(i) none of the Buyer SEC Documents are the subject of ongoing SEC review or outstanding SEC comment and (ii) neither the SEC nor
any other Governmental Entity is conducting any investigation or review of any Buyer SEC Document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each of the financial statements of the Buyer included in the Buyer SEC Documents, including all notes and schedules thereto,
complied in all material respects, when filed or if amended prior to the Effective Date, as of the date of such amendment, with
the rules and regulations of the SEC with respect thereto, were prepared in accordance with GAAP applied on a consistent basis
during the periods involved (except as may be indicated in the notes thereto or, in the case of the unaudited statements, as permitted
by Rule 10-01 of Regulation S-X of the SEC) and fairly present in all material respects in accordance with applicable requirements
of GAAP (subject, in the case of the unaudited statements, to normal year-end audit adjustments) the financial position of the
Buyer, as of their respective dates and the results of operations and the cash flows of the Buyer, for the periods presented therein.
Each of the financial statements of the Buyer included in the Buyer SEC Documents were derived from the books and records of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Buyer, which books and records are, in
all material respects, correct and complete and have been maintained in all material respects in accordance with commercially reasonable
business practices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No notice of any SEC review or investigation of the Buyer or Buyer SEC Documents has been received by the Buyer. Since the
consummation of its initial public offering, all comment letters received by the Buyer from the SEC or the staff thereof and all
responses to such comment letters filed by or on behalf of the Buyer are publicly available on the SEC&#8217;s EDGAR website.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Since the consummation of the initial public offering of the Buyer&#8217;s securities, the Buyer has timely filed all certifications
and statements required by (x) Rule 13a-14 or Rule 15d-14 under the Securities Exchange Act or (y) 18 U.S.C. Section 1350 (Section
906 of the Sarbanes-Oxley Act of 2002) with respect to any Buyer SEC Document. Each such certification is correct and complete.
The Buyer maintains disclosure controls and procedures required by Rule 13a-15 or Rule 15d-15 under the Securities Exchange Act;
such controls and procedures are reasonably designed to ensure that all material information concerning the Buyer is made known
on a timely basis to the individuals responsible for the preparation of the Buyer&#8217;s SEC Filings. As used in this <U>Section
4.5(d)</U>, the term &#8220;file&#8221; shall be broadly construed to include any manner in which a document or information is
furnished, supplied or otherwise made available to the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer has designed and maintains a system of internal controls over financial reporting, as defined in Rules 13a-15(f)
and 15d-15(f) of the Securities Exchange Act, sufficient to provide reasonable assurances regarding the reliability of financial
reporting and the preparation of financial statements for external purposes in accordance with GAAP. The Buyer maintains a system
of internal accounting controls sufficient to provide reasonable assurance that (i) transactions are executed in accordance with
management&#8217;s general or specific authorizations, (ii) transactions are recorded as necessary to permit preparation of financial
statements in conformity with GAAP and to maintain asset accountability and (iii) access to assets is permitted only in accordance
with management&#8217;s general or specific authorization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Information Supplied; Proxy Statement</U>. The information supplied or to be supplied by the Buyer for inclusion
in the Proxy Statement, the Additional Buyer Filings, any other Buyer SEC Filing, any document submitted to any other Governmental
Entity or any announcement or public statement regarding the transactions contemplated by this Agreement (including the Signing
Press Release and the Closing Press Release) shall not contain any untrue statement of a material fact or omit to state a material
fact necessary to make the statements therein, in light of the circumstances in which they are made, not misleading at (a) the
time such information is filed, submitted or made publicly available, (b) the time the Proxy Statement (or any amendment thereof
or supplement thereto) is first mailed to the Buyer Stockholders, or (c) the time of the Buyer Stockholder Meeting (subject to
the qualifications and limitations set forth in the materials provided by the Buyer or that are included in such filings and/or
mailings), except that (i) no warranty or representation is made by the Buyer with respect to statements made or incorporated by
reference therein based on information supplied by the OppFi Companies or their Affiliates for inclusion therein and (ii) or (ii)
any projections or forecasts included in such materials. The Proxy Statement will comply in all material respects with the applicable</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">requirements of the Securities Exchange
Act and the rules and regulations of the SEC thereunder applicable to the Proxy Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Litigation</U>. There are no material Proceedings (or to the Knowledge of the Buyer, investigations) pending or,
to the Knowledge of the Buyer, threatened against the Buyer or, to the Knowledge of the Buyer, any director, officer or employee
of the Buyer (in their capacity as such) and since the Lookback Date there have not been any such Proceedings and the Buyer is
not subject to or bound by any material outstanding Orders. There are no material Proceedings pending or threatened by the Buyer
against any other Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Listing</U>. The issued and outstanding Buyer Class A Common Stock and the Buyer Warrants (the foregoing, collectively,
the &#8220;<U>Buyer Public Securities</U>&#8221;) are registered pursuant to Section 12(b) of the Securities Exchange Act and are
listed for trading on the Stock Exchange under the symbols &#8220;FGNA,&#8221; and &#8220;FGNAWS,&#8221; respectively. There is
no Proceeding or investigation pending or, to the Knowledge of the Buyer, threatened against the Buyer by the Stock Exchange or
the SEC with respect to any intention by such entity to deregister the Buyer Public Securities or prohibit or terminate the listing
of the Buyer Public Securities on the Stock Exchange. The Buyer has taken no action that is designed to terminate the registration
of the Buyer Public Securities under the Securities Exchange Act. The Buyer is in compliance in all material respects with the
listing rules of the Stock Exchange and has not received any written or, to the Knowledge of the Buyer, oral deficiency notice
from the Stock Exchange relating to the continued listing requirements of the Buyer Public Securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Investment Company</U>. The Buyer is not an &#8220;investment company&#8221; within the meaning of the Investment
Company Act of 1940.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Contracts; No Defaults</U>. <U>Section 4.10</U> of the Buyer&#8217;s Disclosure Letter contains a listing of every
 &#8220;material contract&#8221; (as such term is defined in Item 601(b)(10) of Regulation S-K of the SEC) (other than confidentiality
and non-disclosure agreements and this Agreement), to which, as of the Effective Date, the Buyer is a party or by which any of
its assets are bound. True, correct and complete copies of the Contracts listed in Section 4.10 of the Buyer&#8217;s Disclosure
Letter have been delivered to or made available to the Company or its agents or representatives. Each Contract of a type required
to be listed in Section 4.10 of the Buyer&#8217;s Disclosure Letter, whether or not set forth in <U>Section 4.10</U> of the Buyer&#8217;s
Disclosure Letter, was entered into at arm&#8217;s length and in the ordinary course of business. Except for any Contract that
has terminated or will terminate upon the expiration of the stated term thereof prior to the Closing Date, with respect to any
Contract of the type described in <U>Section 4.10</U> of the Buyer&#8217;s Disclosure Letter, whether or not set forth in <U>Section
4.10</U> of the Buyer&#8217;s Disclosure Letter, (i) such Contracts are in full force and effect and represent the legal, valid
and binding obligations of the Buyer and, to the knowledge of the Buyer, represent the legal, valid and binding obligations of
the other parties thereto, and, to the knowledge of the Buyer, are enforceable by the Buyer in accordance with their terms, subject
in all respects to the effects of bankruptcy, insolvency, fraudulent conveyance, reorganization, moratorium and other laws relating
to or affecting creditors&#8217; rights generally and general equitable principles (whether considered in a proceeding in equity
or at law), (ii) none of the Buyer or, to the knowledge of the Buyer, any other party thereto is in material breach of or material
default (or would be in material breach, violation or default but for the existence of a cure period) under any such Contract,
(iii) the Buyer has not received any written or, to the knowledge</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">of the Buyer, oral claim or notice of material
breach of or material default under any such Contract, (iv) to the knowledge of the Buyer, no event has occurred which, individually
or together with other events, would reasonably be expected to result in a material breach of or a material default under any such
Contract by the Buyer or its Subsidiaries or, to the knowledge of the Buyer, any other party thereto (in each case, with or without
notice or lapse of time or both) and (v) through the Effective Date, the Buyer has not received written notice from any other party
to any such Contract that such party intends to terminate or not renew any such Contract.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Noncontravention</U>. Except for the filings pursuant to <U>Section 5.10</U>, the consummation by the Buyer of the
transactions contemplated by this Agreement and the Ancillary Agreements do not (a) conflict with or result in any breach of any
of the material terms, conditions or provisions of, (b) constitute a material default under (whether with or without the giving
of notice, the passage of time or both), (c) result in a material violation of, (d) give any third party the right to terminate
or accelerate, or cause any termination or acceleration of, any material right or material obligation under, (e) result in the
creation of any Lien upon its Equity Interests under, (f) require any approval under, from or pursuant to, or (g) require any filing
with, (i) any Contract or Lease to which the Buyer is a party, (ii) any Governing Document of the Buyer, or (iii) any Governmental
Entity under or pursuant to any Law or Order to which the Buyer is bound or subject, with respect to <U>clauses (i)</U> and <U>(iii)</U>
that are or would reasonably be expected to be material to Buyer. The Buyer is not in material violation of any of its Governing
Documents except as would not have a Buyer Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Business Activities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Since its organization, other than as described in the Buyer SEC Documents, the Buyer has not conducted any material business
activities other than activities related to the Buyer&#8217;s initial public offering or directed toward the accomplishment of
a Business Combination. Except as set forth in the Buyer Governing Documents, there is no Contract, commitment, or Order binding
upon the Buyer or to which the Buyer is a party which has or would reasonably be expected to have the effect of prohibiting or
impairing any business practice of the Buyer or any acquisition of property by the Buyer or the conduct of business by the Buyer
after the Closing, other than such effects, individually or in the aggregate, which are not, and would not reasonably be expected
to be, material to the Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except for this Agreement and the transactions contemplated by this Agreement, the Buyer has no interests, rights, obligations
or Liabilities with respect to, and the Buyer is not party to, bound by or has its assets or property subject to, in each case
whether directly or indirectly, any Contract or transaction which is, or could reasonably be interpreted as constituting, a Business
Combination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer has no material Liabilities that are required to be disclosed on a balance sheet in accordance with GAAP, other
than (i) Liabilities set forth in or reserved against in the balance sheet of the Buyer as of December 31, 2019 (the &#8220;<U>Buyer
Balance Sheet</U>&#8221;); (ii) Liabilities which have arisen after the date of the Buyer Balance Sheet in the Ordinary Course
of Business (none of which results from, arises out of, or was caused by any breach of warranty, breach of Contract or infringement
or violation of Law); (iii) Liabilities arising under this Agreement, the Ancillary Agreements and/or the performance by the Buyer
of its obligations</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">hereunder or thereunder; or (iv) for fees,
costs and expenses for advisors and Affiliates of the Buyer or the Sponsor, including with respect to legal, accounting or other
advisors incurred by the Buyer in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As of the Effective Date and except for this Agreement and the Ancillary Agreements and transactions contemplated hereby
and thereby (including with respect to expenses and fees incurred in connection therewith), the Buyer is not party to any Contract
with any other Person that would require payments by the Buyer or any of its Subsidiaries after the Effective Date in excess of
$50,000 in the aggregate with respect to any individual Contract.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Investment Intent</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer understands and acknowledges that the acquisition of the Closing Company Units involves substantial risk. The
Buyer can bear the economic risk of its investment (which the Buyer acknowledges may be for an indefinite period) and has such
knowledge and experience in financial or business matters that the Buyer is capable of evaluating the merits and risks of its investment
in the Closing Company Units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer is acquiring the Closing Company Units for its own account, for investment purposes only and not with a view toward,
or for sale in connection with, any distribution thereof, or with any present intention of distributing or selling any Closing
Company Units in violation of the federal securities Laws, any applicable foreign or state securities Laws or any other applicable
Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer qualifies as an &#8220;accredited investor,&#8221; as such term is defined in Rule 501(a) promulgated pursuant
to the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer understands and acknowledges that the Closing Company Units have not been registered under the Securities Act,
any United States state securities Laws or any other applicable foreign Law. The Buyer acknowledges that such securities may not
be transferred, sold, offered for sale, pledged, hypothecated or otherwise disposed of without registration under the Securities
Act and any other provision of applicable United States federal, United States state, or other Law or pursuant to an applicable
exemption therefrom. The Buyer acknowledges that there is no public market for the Closing Company Units and that there can be
no assurance that a public market will develop.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Tax Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer has timely filed all Income and other material Tax Returns required to be filed by it on or prior to the Closing
Date pursuant to applicable Laws (taking into account any validly obtained extensions of time within which to file). All Income
and other material amounts of Tax Returns filed by the Buyer are correct and complete in all material respects and have been prepared
in compliance with all applicable Laws. All Income and other material amounts of Taxes and all Income and other material amounts
of Tax Liabilities due and payable by the Buyer for which the applicable statute of limitations remains open have been timely paid
(whether or not shown as due and payable on any Tax Return).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> The Buyer has timely and properly withheld or collected and paid to the applicable Taxing Authority all material amounts
of Taxes required to have been withheld and paid by it in connection with any amounts paid or owing to any employee, independent
contractor, creditor, equityholder or other third party and has otherwise complied in all material respects with all applicable
Laws relating to such withholding, collection and payment of Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No written claim has been made by a Taxing Authority in a jurisdiction where the Buyer does not file a particular type of
Tax Return, or pay a particular type of Tax, that the Buyer is or may be subject to taxation of that type by, or required to file
that type of Tax Return in, that jurisdiction that has not been settled or resolved.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer is not currently and has never been the subject of any Tax Proceeding with respect to any Taxes or Tax Returns
of or with respect to the Buyer, no such Tax Proceeding is pending, and, to the Knowledge of the Buyer, no such Tax Proceeding
has been threatened in writing, in each case, that has not been settled or resolved. The Buyer has not commenced a voluntary disclosure
proceeding in any jurisdiction that has not been resolved or settled. All deficiencies, assessments, claims or adjustments with
respect to a material amount of Taxes asserted or assessed in writing against the Buyer have been fully and timely (taking into
account applicable extensions) paid, settled or withdrawn, and, to the Knowledge of the Buyer, no such deficiency, assessment,
claim or adjustment has been threatened or proposed in writing against the Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>There are no outstanding agreements extending or waiving the statute of limitations applicable to any Tax or Tax Return
with respect to the Buyer or extending a period of collection, assessment or deficiency for Taxes of the Buyer, which period (after
giving effect to such extension or waiver) has not yet expired, and no written request for any such waiver or extension is currently
pending. The Buyer is not the beneficiary of any extension of time (other than an automatic extension of time not requiring the
consent of the applicable Governmental Entity) within which to file any Tax Return that has not been previously filed. No private
letter ruling, administrative relief, technical advice, or other similar ruling or request has been granted or issued by, or is
pending with, any Governmental Entity that relates to any Taxes or Tax Returns of Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer has not been a party to any &#8220;reportable transaction&#8221; within the meaning of Treasury Regulations Section
1.6011-4(b) (or any similar provision of U.S. state or local or non-U.S. Tax Law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>There is no Lien for Taxes on any of the assets of the Buyer, other than Permitted Liens.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer has not been a member of an affiliated group as defined in Section 1504 of the Code (or any analogous combined,
consolidated or unitary group defined under state, local or non-U.S. Law) and does not have any liability for Taxes of any other
Person as a result of Treasury Regulations Section 1.1502-6 (or any similar provision of state, local, or non-U.S. Laws), as a
successor or transferee, by Contract, by operation of Law, or otherwise (other than pursuant to this Agreement or any of the Ancillary
Agreements, if any). The Buyer is not party to or bound by any Tax Sharing Agreement except for any Ordinary Course Tax Sharing</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Agreement. All amounts payable by the Buyer
with respect to (or reference to) Taxes pursuant to any Ordinary Course Tax Sharing Agreement have been timely paid in accordance
with the terms of such Contracts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All material accrued but unpaid Taxes of the Buyer (i) for periods covered by the financial statements incorporated by reference
in the Buyer SEC Documents have been accrued and adequately disclosed on the Buyer&#8217;s financial statements in accordance with
GAAP and (ii) for periods not covered by any financial statements incorporated by reference in the Buyer SEC Documents have been
accrued on the books and records of the Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer has not distributed stock of another Person, or has had its stock distributed by another Person, in a transaction
that was governed, or intended or reported to be governed, in whole or in part by Section 355 or Section 361 of the Code or that
could otherwise constitute part of a &#8220;plan&#8221; or &#8220;series of related transactions&#8221; (within the meaning of
Section 355(e) of the Code) that includes the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Since the date of its formation, the Buyer has been classified as a U.S. corporation for U.S. federal, state and local Income
Tax purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Compliance with Laws</U>. Buyer is, and has been since June 24, 2020, in compliance in all material respects with
all Laws applicable to the conduct of the business of the Buyer, and no uncured written notices have been received by Buyer from
any Governmental Entity or any other Person alleging a material violation of any such Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Inspections; Company and Members&#8217; Representations</U>. Buyer is an informed and sophisticated purchaser, and
has engaged advisors, experienced in the evaluation and investment in businesses such as the OppFi Companies. Buyer has undertaken
such investigation and has been provided with and has evaluated such documents and information as it has deemed necessary to enable
it to make an informed and intelligent decision with respect to the execution, delivery and performance of this Agreement. Buyer
agrees to engage in the transactions contemplated by this Agreement based upon its own inspection and examination of the OppFi
Companies and on the accuracy of the representations and warranties set forth in <U>Article III</U> and any Ancillary Agreement
or certificate delivered by any OppFi Company or the Members&#8217; Representative pursuant to this Agreement and hereby disclaims
reliance upon any express or implied representations or warranties of any nature made by the Company or its Affiliates or representatives,
including the Members&#8217; Representative, except for those set forth in <U>Article III</U> and in any Ancillary Agreement or
certificate delivered by any OppFi Company or the Members&#8217; Representative pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Title to Property</U>. The Buyer (a) does not own or leases any real or personal property or (b) is not a party to
any agreement or option to purchase any real property, personal property or other material interest therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.18<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Takeover Statutes and Charter Provisions</U>. The board of directors of the Buyer has taken all action necessary
so that the restrictions on a &#8220;business combination&#8221; (as such term is used in Section 203 of the DGCL) contained in
Section 203 of the DGCL or any similar restrictions under any foreign Laws will be inapplicable to this Agreement and the transactions</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">contemplated hereby, including the Business
Combination and the issuance to the Company of the Buyer Class V Voting Stock and the Earnout Company Units. As of the Effective
Date, no &#8220;fair price,&#8221; &#8220;moratorium,&#8221; &#8220;control share acquisition&#8221; or other anti-takeover statute
or similar domestic or foreign Law applies with respect to the Buyer in connection with this Agreement, the Business Combination,
the issuance of the Buyer Class V Voting Stock and the Earnout Company Units, or any of the other transactions contemplated hereby.
As of the Effective Date, there is no stockholder rights plan, &#8220;poison pill&#8221; or similar anti-takeover agreement or
plan in effect to which the Buyer is subject, party or otherwise bound.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
V</B><BR>
PRE-CLOSING AGREEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Interim Operating Covenants (Company)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>From the Effective Date until the earlier of: (1) the date this Agreement is terminated in accordance with <U>Article IX</U>
and (2) the Closing Date (such period, the &#8220;<U>Pre-Closing Period</U>&#8221;), unless the Buyer shall otherwise give prior
consent (which consent shall not be unreasonably withheld, conditioned, or delayed) in writing and except (u) in the Ordinary Course
of Business, (v) as specifically contemplated by this Agreement or the Ancillary Agreements (including the Recapitalization), (w)
as set forth on <U>Section 5.1(a)</U> of the Company&#8217;s Disclosure Letter, (x) as required by any Law or Order (including
any COVID-19 Measures) applicable to any OppFi Company or the assets, or operation of the business, of any OppFi Company, (y) as
required by any Contract in effect as of the Effective Date to which an OppFi Company is party or by which any of the OppFi Companies&#8217;
assets or properties are bound, or (z) to the extent that any action is taken or omitted to be taken in response to or related
to the actual or anticipated effect on any of the OppFi Companies&#8217; businesses of COVID-19 or any COVID-19 Actions or COVID-19
Measures (in each case with respect to this <U>clause (z)</U> in connection with or in response to COVID-19), the Company shall,
and shall cause the other OppFi Companies to, conduct and operate their business in all material respects in the Ordinary Course
of Business and use its commercially reasonable efforts in the Ordinary Course of Business to preserve their existing relationships
with Governmental Entities, material customers, suppliers and distributors, and the Company shall not, and shall cause the other
OppFi Companies not to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>amend or otherwise modify any of the Governing Documents of any OppFi Company in any manner that would be adverse to the
Buyer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>make any material changes to its accounting policies, methods or practices, other than as required by GAAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>sell, issue, redeem, assign, transfer, pledge (other than in connection with existing credit facilities or pursuant to any
existing Company Employee Benefits Plans), convey or otherwise dispose of (A) any Equity Interests of any OppFi Company or (B)
any options, warrants, rights of conversion or other rights or agreements, arrangements or commitments obligating any OppFi Company
to issue, deliver or sell any Equity Interests of any OppFi Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>adjust, split, combine or reclassify any of its Equity Interests;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> (A) incur, assume, guarantee, receive or otherwise become liable for (whether directly, contingently or otherwise) any
Indebtedness or any PPP Loans (other than (1) additional Indebtedness under existing credit facilities or refinancings, replacements,
or extensions thereof, (2) capital leases entered into in the Ordinary Course of Business, (3) the Company PPP Loan, and (4) other
Indebtedness incurred in the Ordinary Course of Business or as set forth on <U>Section 5.1(a)(v)</U> of the Company&#8217;s Disclosure
Letter, not to exceed $100,000,000 in the aggregate, or (B) make any advances or capital contributions to, or investments in, any
Person, other than an OppFi Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>commit to, authorize or enter into any agreement in respect of, any capital expenditure (or series of commitments or capital
expenditures), other than capital expenditures in an amount not to exceed $1,000,000;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>enter into any material amendment or termination (other than an expiration in accordance with the terms thereof) of, or
waive compliance with, any material term of any Material Contract or Material Lease or enter into any Contract that if entered
into prior to the Effective Date would be a Material Contract or Material Lease;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(viii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>acquire the business, properties or assets, including Equity Interests of another Person, except, in each case, for acquisitions
whose consideration in an aggregate amount (for all such acquisitions) is not greater than $10,000,000 and the consideration for
which is payable only in cash, so long as, based upon the advice of the Company&#8217;s accountants, such acquisition, individually
or in the aggregate, would not require any additional disclosure pursuant to the rules and regulations adopted by PCAOB (whether
through merger, consolidation, share exchange, business combination or otherwise);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>propose, adopt or effect any plan of complete or partial liquidation, dissolution, recapitalization or reorganization, or
voluntarily subject to any material Lien, any of the material rights or material assets owned by, or leased or licensed to, any
OppFi Company, except for (A) Permitted Liens, (B) Liens under existing credit facilities or other Indebtedness permitted pursuant
to <U>Section 5.1(a)(v)</U> and (C) as required or contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(x)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>compromise, commence or settle any pending or threatened Proceeding (A) involving payments (exclusive of attorney&#8217;s
fees) by an OppFi Company not covered by insurance in excess of $1,000,000 in any single instance or in excess of $2,500,000 in
the aggregate, (B) granting injunctive or other equitable remedy against an OppFi Company that would reasonably be expected to
a Material Adverse Effect, (C) which imposes any restrictions on the operations of businesses of the OppFi Companies that would
reasonably be expected to a Material Adverse Effect, or (D) by the equityholders of the Company or any other Person which relates
to the transactions contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>except as required under applicable Law or the terms of any Company Employee Benefit Plan existing as of the Effective Date,
(A) materially increase in any manner the compensation, bonus, severance or termination pay of any of the current or former directors,
officers, employees or individual consultants of the OppFi Companies, other than increases to any such individuals who are not
directors or officers of the OppFi Companies that do not exceed ten percent (10%) individually or five percent (5%) in the aggregate,
(B) become a</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">party to, establish, materially amend (other
than as part of an annual renewal for health and/or welfare benefits) commence participation in, or terminate any stock option
plan or other stock-based compensation plan, or any Company Employee Benefit Plan, (C) grant any new awards or Equity Interests
under any Company Employee Benefit Plan, (D) enter into, amend or terminate any collective bargaining agreement or other agreement
with a labor union, works council or similar organization respecting employees of the OppFi Companies, (E) hire or engage any new
employee or consultant or terminate the employment or engagement, other than for cause, of any employee or consultant if such new
employee or consultant will receive, or such terminated employee or consultant does receive, annual base compensation (or annual
base wages or fees) in excess of $350,000, or (F) implement any employee layoffs, plant closings, or similar events that individually
or in the aggregate would give rise to any obligations or liabilities on the part of the OppFi Companies under the WARN Act;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(A) sell, lease, assign, transfer, convey, license, sublicense, covenant not to assert, permit to lapse, abandon, allow
to lapse, or otherwise dispose of, create, grant or issue any Liens (other than Permitted Liens), debentures or other securities
in or on, any material rights or assets owned by, or leased or licensed to, any OppFi Company, other than (1) inventory or products
in the Ordinary Course of Business, (2) assets with an aggregate fair market value less than $1,000,000, (3) pursuant to non-exclusive
licenses of Owned Intellectual Property granted by any OppFi Company to customers in the Ordinary Course of Business, (4) immaterial
Owned Intellectual Property, or (5) in connection with the incurrence of Indebtedness that is permitted to be incurred under this
Agreement; or (B) subject any Owned Intellectual Property to Copyleft Terms;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xiii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>fail to take any action required to maintain any material insurance policies of any OppFi Company in force (other than (A)
substitution of an insurance policy by an insurance policy with a substantially similar coverage or (B) with respect to any policy
that covers any asset or matter that has been disposed or is no longer subsisting or application), or knowingly take or omit to
take any action that could reasonably result in any such insurance policy being void or voidable (other than (A) substitution of
an insurance policy by an insurance policy with a substantially similar coverage, (B) with respect to any policy that covers any
asset or matter that has been disposed or is no longer subsisting or application, or (C) actions set forth on <U>Section 5.1(a)(xiii)</U>
of the Company&#8217;s Disclosure Letter);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xiv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>except to the extent required by applicable Law, (A) make, change or revoke any material election relating to Taxes, (B)
change (or request to change) any method of accounting for Tax purposes, (C) enter into any agreement, settlement or compromise
with any Taxing Authority relating to a material amount of Taxes, (D) consent to any extension or waiver of the statutory period
of limitations applicable to any Tax matter, (E) file any amended material Tax Return, (F) fail to timely file (taking into account
valid extensions) any Income Tax Return and other material Tax Return required to be filed, (G) fail to pay any material amount
of Taxes as it becomes due and payable, (H) enter into any Tax Sharing Agreement (other than an Ordinary Course Tax Sharing Agreement),
(I) surrender any right to claim any refund of a material amount of Taxes, (J) initiate any discussion, voluntary disclosure or
examination with any Taxing Authority regarding Taxes or Tax Returns with respect to any OppFi Company, or (K) take any action
or fail to take any action that would reasonably be expected to prevent, impair or impede the Intended Tax Treatment;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> amend, modify, terminate or waive any material right under any Company Permit; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xvi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>agree or commit to do any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Nothing contained in this Agreement shall be deemed to give the Buyer, directly or indirectly, the right to control or direct
the Company or any operations of any OppFi Company prior to the Closing. Prior to the Closing, the OppFi Companies shall exercise,
consistent with the terms and conditions of this Agreement, control over their respective businesses and operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Interim Operating Covenants (Buyer)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>During the Pre-Closing Period, unless the Company shall otherwise give prior consent (which consent shall not be unreasonably
withheld, conditioned, or delayed) in writing and except as contemplated by this Agreement or the Ancillary Agreements or as set
forth on <U>Section 5.2(a)</U> of the Buyer&#8217;s Disclosure Letter, the Buyer shall not:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>conduct any activities or enter into any Contracts directed toward or in contemplation of an alternative Business Combination
to the Business Combination contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>amend or otherwise modify the (A) Trust Agreement, (B) Founder Warrants Purchase Agreement, dated September 29, 2020, by
and among the Buyer and the Sponsor, (C) $15 Exercise Price Warrants Purchase Agreement, dated September 29, 2020, by and among
the Buyer and the Sponsor, (D) Private Placement Units Purchase Agreement, dated September 29, 2020, by and among and the Buyer
and the Sponsor, or (E) Buyer Governing Documents;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>withdraw any of the Trust Amount, other than as permitted by the Buyer Governing Documents or the Trust Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>make any material changes to its accounting policies, methods or practices, other than as required by GAAP or applicable
Law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>except to the extent required by applicable Law, (A) make, change or revoke any material election relating to Taxes, (B)
change (or request to change) any method of accounting for Tax purposes, (C) enter into any agreement, settlement or compromise
with any Taxing Authority relating to a material amount of Taxes, (D) consent to any extension or waiver of the statutory period
of limitations applicable to any Tax matter, (E) file any amended material Tax Return, (F) fail to timely file (taking into account
valid extensions) any Income Tax Return and other material Tax Return required to be filed, (G) fail to pay any material amount
of Taxes as it becomes due and payable, (H) enter into any Tax Sharing Agreement (other than an Ordinary Course Tax Sharing Agreement),
(I) surrender any right to claim any refund of a material amount of Taxes, (J) initiate any discussion, voluntary disclosure or
examination with any Taxing Authority regarding Taxes or Tax Returns with respect to the Buyer, or (K) take any action or fail
to take any action that would reasonably be expected to prevent, impair or impede the Intended Tax Treatment;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> other than in connection with a Buyer Share Redemption, sell, issue, redeem, assign, transfer, convey or otherwise dispose
of (A) any of its Equity Interests, or (B) any options, warrants, rights of conversion or other rights or agreements, arrangements
or commitments obligating the Buyer to issue, deliver or sell any Equity Interests of the Buyer, other than Contracts for Indebtedness
from the Sponsor or its Affiliates or any director or officer of the Buyer or the Sponsor incurred in order to finance working
capital and Tax expenses needs and expenses in an amount not to exceed $1,500,000;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>other than the Buyer Share Redemption, declare, make or pay any dividend, other distribution or return of capital (whether
in cash or in kind) to the equityholders of the Buyer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(viii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>adjust, split, combine or reclassify (other than a reclassification pursuant to a conversion of shares of Buyer Class B
Common Stock into shares Buyer Class A Common Stock pursuant to the Buyer Governing Documents) any of its Equity Interests;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ix)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>reduce the exercise price of any Buyer Warrant;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(x)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>incur, assume, guarantee or otherwise become liable for (whether directly, contingently or otherwise) any Indebtedness,
material Liabilities, debts or obligations other than Contracts for Indebtedness from the Sponsor or its Affiliates or any director
or officer of the Buyer or the Sponsor incurred in order to finance working capital and Tax expenses needs and expenses in an amount
not to exceed $1,500,000;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>enter into any transaction or Contract with the Sponsor or any of its Affiliates for the payment of finder&#8217;s fees,
consulting fees, monies in respect of any payment of a loan or other compensation paid by Buyer to the Sponsor, Buyer&#8217;s officers
or directors, or any Affiliate of the Sponsor or Buyer&#8217;s officers, for services rendered prior to, or for any services rendered
in connection with, the consummation of the transactions contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>compromise, commence or settle any pending or threatened Proceeding (A) involving payments (exclusive of attorney&#8217;s
fees) by Buyer not covered by insurance in excess of $500,000 or in excess of $1,000,000 in the aggregate, (B) granting material
injunctive or other equitable remedy against the Buyer, (C) which imposes any material restrictions on the operations of businesses
of the Buyer, or (D) by the public stockholders or any other Person which relates to the transactions contemplated by this Agreement;
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(xiii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>agree or commit to do any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Nothing contained in this Agreement shall be deemed to give the Members or the Company, directly or indirectly, the right
to control or direct the Buyer prior to the Closing. Prior to the Closing, the Buyer shall exercise, consistent with the terms
and conditions of this Agreement, control over its business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Commercially Reasonable Efforts; Further Assurances</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Subject to the terms and conditions set forth in this Agreement, and to applicable Laws, during the Pre-Closing Period,
the Parties shall cooperate and use their respective commercially reasonable efforts to take, or cause to be taken, all appropriate
action (including executing and delivering any documents, certificates, instruments and other papers that are necessary for the
consummation of the transactions contemplated by this Agreement), and do, or cause to be done, and assist and cooperate with the
other Parties in doing, all things necessary to consummate and make effective, in the most expeditious manner practicable, the
transactions contemplated by this Agreement. No Party shall willfully take any action that would have the effect of delaying, impairing
or impeding in any material respect the consummation of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company shall use its commercially reasonable efforts, and the Buyer shall cooperate in all reasonable respects with
the Company, to solicit and obtain the consents of the Persons who are parties to the Contracts listed on <U>Section 5.1</U> of
the Company&#8217;s Disclosure Letter prior to the Closing; <U>provided</U>, <U>however</U>, that no Party nor any of their Affiliates
shall be required to pay or commit to pay any amount to (or incur any obligation in favor of) any Person from whom any such consent
may be required (unless such payment is required in accordance with the terms of the relevant Contract requiring such consent).
Any payment pursuant to the foregoing proviso shall be a Transaction Expense (which payment shall be treated as a Company Transaction
Expense hereunder).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer acknowledges that certain consents and waivers with respect to the transactions contemplated by this Agreement
may be required from parties to Contracts to which an OppFi Company is party or by which it or its assets are otherwise bound and
that such consents and waivers may not be obtained prior to Closing and that receipt of any such consent shall in no event be a
condition to the consummation of the transactions contemplated hereby. The Company shall not have any liability whatsoever to the
Buyer arising out of or relating to the failure to obtain any such consents or the termination of any Contract as a result of the
transactions contemplated hereby. The Buyer acknowledges that no representation, warranty or covenant of the Company contained
herein shall be breached or deemed inaccurate or breached, and no condition shall be deemed not satisfied, as a result of (i) the
failure to obtain any such consent or waiver, (ii) any such termination, or (iii) any Proceeding commenced or threatened by or
on behalf of any Person arising out of or relating to the failure to obtain any such consent or waiver or any such termination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Trust &amp; Closing Funding</U>. Subject to the satisfaction or waiver of the conditions set forth in <U>Section
8.1</U> (other than those conditions that by their nature are to be satisfied at Closing, but subject to the satisfaction or waiver
of those conditions) and provision of notice thereof to the Trustee (which notice the Buyer shall provide to the Trustee in accordance
with the terms of the Trust Agreement), (i) in accordance with the Trust Agreement and the Buyer Governing Documents, at the Closing,
the Buyer shall cause (a) the documents, opinions and notices required to be delivered to the Trustee pursuant to the Trust Agreement
to be so delivered, and (b) the Trustee to pay as and when due (x) all amounts payable to Buyer Stockholders who shall have validly
elected to redeem their shares of Buyer Class A Common Stock pursuant to the Buyer Certificate of Incorporation, and (y) all amounts
payable pursuant to <U>Section 2.1(d)</U> and (ii) thereafter, the Trust Account shall terminate, except as otherwise provided
Trust Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Listing</U>. During the Pre-Closing Period, the Buyer shall remain listed as a public company on, and for the Buyer
Class A Common Stock and Buyer Warrants to be listed on, the Stock Exchange. The Buyer shall use its reasonable best efforts to
cause the Buyer Class V Voting Stock to be approved for listing on the Stock Exchange as promptly as practicable following the
issuance thereof, subject to official notice of issuance, prior to the Closing. During the Pre-Closing Period, the Buyer will
keep current and timely file all of its public filings with the SEC and otherwise comply in all material respects with applicable
securities Laws. During the Pre-Closing Period, if the Buyer receives any written or, to the knowledge of the Buyer, oral notice
from the Stock Exchange that the Buyer has failed, or would reasonably be expected to fail, to meet the Stock Exchange listing
requirements as of the Closing or within one (1) year thereafter for any reason, then the Buyer shall give prompt written notice
of such Stock Exchange notice to the Company, including a copy of any written notice received from the Stock Exchange or a summary
of any oral notice received from the Stock Exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>LTIP</U>. Prior to the Closing Date, the Buyer shall approve and, subject to the approval of the Buyer Stockholders,
adopt, an omnibus incentive equity plan, based on the terms and conditions as reasonably mutually agreed upon between Buyer, the
Company and the Members&#8217; Representative to be effective upon and following the Closing (the &#8220;<U>LTIP</U>&#8221;). Nothing
contained in this <U>Section 5.6</U> (whether express or implied) shall confer any rights, remedies or benefits whatsoever (including
any third-party beneficiary rights) on any Person other than the Parties to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Confidential Information</U>. During the Pre-Closing Period, each Party shall be bound by and comply with the provisions
set forth in the Confidentiality Agreement as if such provisions were set forth herein, and such provisions are hereby incorporated
herein by reference. Each Party acknowledges and agrees that each is aware, and each of their respective Affiliates and representatives
is aware (or upon receipt of any material nonpublic information of the other Party, will be advised), of the restrictions imposed
by the United States federal securities Laws and other applicable foreign and domestic Laws on Persons possessing material nonpublic
information about a public company. Each Party hereby agrees, that during the Pre-Closing Period, except in connection with or
support of the transactions contemplated by this Agreement, while any of them are in possession of such material nonpublic information,
none of such Persons shall, directly or indirectly (through its Affiliates or otherwise), acquire, offer or propose to acquire,
agree to acquire, sell or transfer or offer or propose to sell or transfer any securities of the Buyer, communicate such information
to any other Person or cause or encourage any Person to do any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Access to Information</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>During the Pre-Closing Period, upon reasonable prior written notice, the OppFi Companies shall afford the representatives
of the Buyer reasonable access, during normal business hours, to the properties, books and records of the OppFi Companies and furnish
to the representatives of the Buyer such additional financial and operating data and other information regarding the business of
the OppFi Companies as the Buyer or its representatives may from time to time reasonably request for purposes of consummating the
transactions contemplated by this Agreement, but only to the extent that the OppFi Companies may do so without violating any obligations
to any third party or any applicable Law and to the extent that the OppFi Companies</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">have the authority to grant such access
without breaching any restrictions binding on them (and <U>provided</U> that the Buyer shall abide by the terms of the Confidentiality
Agreement). The Buyer agrees to be responsible for the reasonable and documented out-of-pocket expenses incurred by the OppFi Companies
as a result of providing such access (which shall be treated as Buyer Transaction Expenses hereunder).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer shall coordinate its access rights with the Company to reasonably minimize any inconvenience to or interruption
of the conduct of the business of the OppFi Companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary in this <U>Section 5.8</U>, neither the Members&#8217; Representative nor any OppFi
Company or any of their respective representatives shall be required to disclose any information to Buyer during the Pre-Closing
Period if such disclosure would (i) jeopardize any attorney-client or other applicable legal privilege, (ii) require disclosure
of any trade secrets of the OppFi Companies or of third parties, cause a violation of any OppFi Company&#8217;s obligations with
respect to confidentiality, or violate any Privacy and Security Requirement, or (iii) contravene any applicable Contracts or Laws.
Prior to the Closing, without the prior written consent of the Company, which may be withheld for any reason, Buyer shall not contact
any suppliers to, or customers or other material business relationships of, any OppFi Company in relation to the transactions contemplated
by this Agreement and Buyer shall have no right to perform invasive or subsurface investigations of any of the Leased Real Property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Notification of Certain Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>During the Pre-Closing Period, each of the Parties shall give prompt notice to the other Parties if such Party or its Affiliates:
(a) fails to comply with or satisfy any covenant, condition or agreement to be complied with or satisfied by it or its Affiliates
hereunder in any material respect; (b) receives any notice or other communication in writing from any third party (including any
Governmental Entity) alleging (i) that the consent, approval, waiver or filing of such third party is or may be required in connection
with the transactions contemplated by this Agreement or (ii) any non-compliance with any Law by such Party or its Affiliates; (c)
receives any notice or other communication from any Governmental Entity in connection with the transactions contemplated by this
Agreement; or (d) becomes aware of the commencement or threat, in writing, of any action against such Party or any of its Affiliates,
or any of their respective properties or assets, or, to the knowledge of such Party, any officer, director, partner, member or
manager, in his, her or its capacity as such, of such Party or of its Affiliates with respect to the consummation of the transactions
contemplated by this Agreement. No such notice shall constitute an acknowledgement or admission by the Party providing the notice
regarding whether or not any of the conditions to the Closing have been satisfied or in determining whether or not any of the representations,
warranties or covenants contained in this Agreement have been breached.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>During the Pre-Closing Period, the Company shall disclose to the Buyer in writing any development, fact or circumstance
of which the Company has Knowledge, arising before or after the Effective Date, that would cause or would reasonably be expected
to result in the failure of the conditions set forth in <U>Section 8.1(a)</U> or <U>Section 8.1(b)</U> to be satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> During the Pre-Closing Period, Buyer shall disclose to the Company in writing any development, fact or circumstance of
which Buyer has Knowledge, arising before or after the Effective Date, that would cause or would reasonably be expected to result
in the failure of the conditions set forth in <U>Section 8.1(a)</U> or <U>Section 8.1(c)</U> to be satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Regulatory Approvals; Efforts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Party shall, as promptly as reasonably practicable, use commercially reasonable efforts to obtain, or cause to be obtained,
all consents, authorizations, orders, clearances and approvals from all Governmental Entities that may be or become necessary for
its execution and delivery of this Agreement and the performance of its obligations pursuant to this Agreement (including those
required by applicable Company Permits of the OppFi Companies (the &#8220;<U>Regulatory Filings</U>&#8221;)). Each Party shall
use commercially reasonable efforts to cooperate fully with the other Parties and their Affiliates in promptly seeking to obtain
all such consents, authorizations, orders and approvals and effect any such Regulatory Filing. With respect to the Regulatory Filings,
each Party agrees to use its commercially reasonable efforts and cooperate with the other Parties (i) in timely making inquiries
with Governmental Entities regarding the Regulatory Filings, (ii) in determining if any Regulatory Filings are required by Governmental
Entities, and (iii) in timely making all Regulatory Filings (except with respect to such jurisdictions where the Parties agree
that a Regulatory Filing is not required). If the Buyer determines that it is required to make any Regulatory Filing or otherwise
provide information with respect to the Buyer or any of the Buyer&#8217;s personnel or Affiliates to a Governmental Entity in connection
with any Company Permit, then the Company will, except as prohibited by applicable Law (in which case the Company will use commercially
reasonable efforts to obtain any required permission to allow disclosure), provide upon the Buyer&#8217;s request relevant portions
of all past filings and correspondence with Governmental Entities with respect to any Company Permits related to such Regulatory
Filing or information provision requirement that the Buyer reasonably determines to be necessary to make a complete, accurate and
timely Regulatory Filing or provision of information. The Parties hereto shall not willfully take any action that will have the
effect of delaying, impairing or impeding in any material respect the receipt of any Regulatory Filings or any other required consents,
authorizations, orders, clearances and approvals that, if not received, would have or would reasonably be expected to have, a Material
Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything in this Agreement to the contrary, but subject to compliance with <U>Section 5.7</U>, nothing in
this <U>Section 5.10</U> shall require Buyer, Sponsor, Members&#8217; Representative or any of their respective Affiliates to take
any action with respect to any of their respective Affiliates (other than, with respect to Buyer and Sponsor, Buyer&#8217;s Subsidiaries
and the OppFi Companies), any of their respective affiliated investment funds or any portfolio company (as such term is commonly
understood in the private equity industry) or investment of Buyer, Sponsor, Members&#8217; Representative or their respective Affiliates
(other than, with respect to Buyer and Sponsor, Buyer&#8217;s Subsidiaries and the OppFi Companies), or any interests therein,
including selling, divesting or otherwise disposing of, licensing, holding separate, or otherwise restricting or limiting its freedom
to operate with respect to, any business, products, rights, services, licenses, investments, or assets, of Buyer, Sponsor, Members&#8217;
Representative or their respective Affiliates (other than, with respect to Buyer and Sponsor, Buyer&#8217;s Subsidiaries and the
OppFi Companies), any of their respective affiliated investment funds or any portfolio company (as such term is commonly understood
in the private equity industry) or investment of Buyer, Sponsor, Members&#8217;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Representative or their respective Affiliates
(other than the OppFi Companies), or any interests therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Communications; Press Release; SEC Filings</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Prior to the Closing, any press or other public release or public announcement concerning this Agreement or the transactions
contemplated by this Agreement or any matter contemplated by the foregoing shall not be issued without the prior written consent
of each of the Buyer and the Company, which consent shall not be unreasonably withheld, conditioned, or delayed; <U>provided</U>,
<U>however</U>, that each Party may make any public announcement that is required by applicable Law or the requirements of any
national securities exchange (it being understood that, to the extent practicable, the Party making such public announcement shall
provide such announcement to the other Parties prior to release and consider in good faith any comments from such other Parties);
and <U>provided</U>, <U>further</U>, that each Party may make announcements regarding this Agreement and the transactions contemplated
hereby consisting solely of information contained in and otherwise consistent with any such mutually agreed press release or public
announcement and the Buyer SEC Documents to their directors, officers, employees, customers, suppliers and other interested parties
without the consent of the other Parties; and <U>provided</U>, <U>further</U>, that subject to this <U>Section 5.11</U>, the foregoing
shall not prohibit any Party from communicating with third parties to the extent necessary for the purpose of seeking any third
party consent that is required under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As promptly as practicable following the Effective Date, the Buyer shall prepare and file a Current Report on Form 8-K pursuant
to the Securities Exchange Act to report the execution of this Agreement (the &#8220;<U>Signing Form 8-K</U>&#8221;) and the Parties
shall issue a mutually agreeable press release announcing the execution of this Agreement (the &#8220;<U>Signing Press Release</U>&#8221;).
Buyer shall provide the Company with a reasonable opportunity to review and comment on the Signing Form 8-K prior to its filing
and shall consider such comments in good faith. The Buyer shall not file any such documents with the SEC without the prior written
consent of the Company (such consent not to be unreasonably withheld, conditioned, or delayed).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>As promptly as reasonably practicable after the Effective Date, but in any event following delivery of any information required
to be delivered by the Company pursuant to this <U>Section 5.11</U>, (i) the Buyer and the Company shall prepare and the Buyer
shall file with the SEC a preliminary Proxy Statement, which shall comply as to form, in all material respects, with, as applicable,
the provisions of the Securities Exchange Act and the rules and regulations promulgated thereunder, for the purpose of (A) providing
Buyer Stockholders with the opportunity to participate in the Buyer Share Redemption and (B) soliciting proxies from the Buyer
Stockholders to vote at the Buyer Stockholder Meeting in favor of the Buyer Stockholder Voting Matters. The Buyer shall file the
definitive Proxy Statement with the SEC and cause the Proxy Statement to be mailed to its stockholders of record, as of the record
date to be established by the Buyer Board in accordance with <U>Section 5.11(j)</U>, at such time as reasonably agreed by Buyer
and the Company promptly following (x) in the event the preliminary Proxy Statement is not reviewed by the SEC, the expiration
of the waiting period in Rule 14a-6(a) under the Securities Exchange Act or (y) in the event the preliminary Proxy Statement is
reviewed by the SEC, receipt of oral or written notification of the completion of the review by the SEC (the date in (x) or (y),
the &#8220;<U>Proxy Clearance Date</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Prior to filing with the SEC, the Buyer will make available to the Company drafts of the Proxy Statement and any other
documents to be filed with the SEC that relate to the transactions completed hereby, both preliminary and final, and drafts of
any amendment or supplement to the Proxy Statement or such other document and will provide the Company with a reasonable opportunity
to comment on such drafts and shall consider such comments in good faith. The Buyer will advise the Company promptly after it receives
notice thereof, of (i) the time when the Proxy Statement has been filed, (ii) in the event the preliminary Proxy Statement is not
reviewed by the SEC, the expiration of the waiting period in Rule 14a-6(a) under the Securities Exchange Act, (iii) in the event
the preliminary Proxy Statement is reviewed by the SEC, receipt of oral or written notification of the completion of the review
by the SEC, (iv) the filing of any supplement or amendment to the Proxy Statement, (v) any request by the SEC for amendment of
the Proxy Statement, (vi) any comments, written or oral, from the SEC relating to the Proxy Statement and responses thereto and
(vii) requests by the SEC for additional information in connection with the Proxy Statement. The Buyer shall promptly respond to
any comments of the SEC on the Proxy Statement, and shall use its commercially reasonable efforts to have the Proxy Statement cleared
by the SEC under the Securities Exchange Act as soon after filing as practicable; <U>provided</U> that prior to responding to any
requests or comments from the SEC, Buyer will make available to the Company drafts of any such response and provide the Company
with reasonable opportunity to comment on such drafts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If at any time prior to the Closing (including prior to the Buyer Stockholder Meeting) any Party discovers or becomes aware
of any information that is required to be set forth in an amendment or supplement to the Proxy Statement so that the Proxy Statement
would not include any misstatement of a material fact or omit to state any material fact necessary to make the statements therein,
in light of the circumstances under which they were made, not misleading, such Party shall promptly inform the other Parties hereto
and the Parties shall cooperate reasonably in connection with preparing and, to the extent required by Law, disseminating (including
by promptly transmitting to the Buyer Stockholders) any such amendment or supplement to the Proxy Statement containing such information;
<U>provided</U> that no information received by the Buyer pursuant to this <U>Section 5.11(e)</U> shall operate as a waiver or
otherwise affect any representation, warranty or agreement given or made hereunder by any Party, and no such information shall
be deemed to change, supplement or amend the Schedules hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Parties acknowledge that a substantial portion of the Proxy Statement and certain other forms, reports and other filings
required to be made by the Buyer under the Securities Exchange Act in connection with the transactions contemplated by this Agreement
(collectively, &#8220;<U>Additional Buyer Filings</U>&#8221;) shall include disclosure regarding the OppFi Companies and the business
of the OppFi Companies and the OppFi Companies&#8217; management, operations and financial condition. Accordingly, the Company
agrees to, and agrees to cause the other OppFi Companies to, as promptly as reasonably practicable, provide the Buyer with all
information concerning the Members, the Company and the other OppFi Companies, and their respective business, management, operations
and financial condition, in each case, that is reasonably requested by the Buyer to be included in the Proxy Statement, Additional
Buyer Filings or any other Buyer SEC Filing. The Company shall make, and shall cause the other OppFi Companies to, make, and shall
cause their Affiliates, directors, officers, managers and employees to make, available to the Buyer and its counsel, auditors and
other representatives in connection with the drafting of the Proxy Statement and Additional Buyer Filings, as reasonably requested
by the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Buyer, and responding in a timely manner
to comments thereto from the SEC. The Buyer shall make all necessary filings with respect to the transactions contemplated by this
Agreement under the Securities Act, the Securities Exchange Act and applicable blue sky Laws and the rules and regulations thereunder,
and the Members and the Company shall reasonably cooperate in connection therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Prior to Closing, the Buyer shall begin preparing a draft Current Report on Form 8-K in connection with and announcing the
Closing, together with, or incorporating by reference, such information that is or may be required to be disclosed with respect
to the transactions contemplated by this Agreement pursuant to Form 8-K (the &#8220;<U>Closing Form 8-K</U>&#8221;). Buyer shall
provide the Company with a reasonable opportunity to review and comment on the Closing Form 8-K prior to its filing and shall consider
such comments in good faith. Prior to the Closing, the Parties shall prepare a mutually agreeable press release announcing the
consummation of the transactions contemplated by this Agreement (&#8220;<U>Closing Press Release</U>&#8221;). Buyer shall not file
any such documents with the SEC without the prior written consent of the Company (such consent not to be unreasonably withheld,
conditioned or delayed). Concurrently with the Closing, the Buyer shall distribute the Closing Press Release, and within four (4)
Business Days thereafter, file the Closing Form 8-K with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company shall provide to the Buyer as promptly as reasonably practicable after the Effective Date, (i) audited consolidated
balance sheets of the OppFi Companies as of December 31, 2020 and December 31, 2019, and related audited consolidated statements
of operations, members&#8217; equity and cash flows for the fiscal years ended on such dates, together with all related notes and
schedules thereto, accompanied by the reports thereon of the OppFi Companies&#8217; independent auditors, prepared in accordance
with GAAP, applied on a consistent basis throughout the covered periods and Regulation S-X of the SEC and in each case, audited
in accordance with the standards of the PCAOB, (ii) all other audited and unaudited financial statements of the OppFi Companies
and any company or business units acquired by the OppFi Companies, as applicable, required under the applicable rules and regulations
and guidance of the SEC to be included in the Proxy Statement and/or the Closing Form 8-K (including pro forma financial information),
(iii) all selected financial data of the OppFi Companies required by Item 301 of Regulation S-K, as necessary for inclusion in
the Proxy Statement and Closing Form 8-K and (iv) management&#8217;s discussion and analysis of financial condition and results
of operations prepared in accordance with Item 303 of Regulation S-K of the SEC (as if the OppFi Companies were subject thereto)
with respect to the periods described in <U>clauses (i)</U> and <U>(ii)</U> above, as necessary for inclusion in the Proxy Statement
and Closing Form 8-K (including pro forma financial information).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Party covenants and agrees that the information supplied or to be supplied by such Party or its Affiliates for inclusion
in the Proxy Statement, the Additional Buyer Filings, any other Buyer SEC Filing, any document submitted to any other Governmental
Entity or any announcement or public statement regarding the transactions contemplated by this Agreement (including the Signing
Press Release and the Closing Press Release) shall not contain any untrue statement of a material fact or omit to state a material
fact necessary to make the statements therein, in light of the circumstances in which they are made, not misleading at (i) the
time such information is filed, submitted or made publicly available, (ii) the time the Proxy Statement (or any amendment thereof
or supplement thereto) is first mailed to the Buyer</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Stockholders, (iii) the time of the Buyer
Stockholder Meeting, or (iv) the Closing (subject to the qualifications and limitations set forth in the materials provided by
such Party or that are included in such filings and/or mailings).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer shall, prior to or as promptly as practicable following the Proxy Clearance Date (and in no event later than the
date the Proxy Statement is required to be mailed in accordance with <U>Section 5.11(c)</U>), establish a record date (which date
shall be mutually agreed with the Company) for, duly call and give notice of, the Buyer Stockholder Meeting. The Buyer shall convene
and hold a meeting of Buyer Stockholders, for the purpose of obtaining the approval of the Buyer Stockholder Voting Matters, which
meeting shall be held not more than forty-five (45) days after the date on which Buyer commences the mailing of the Proxy Statement
to its stockholders. The Buyer shall use its reasonable best efforts to take all actions necessary to obtain the approval of the
Buyer Stockholder Voting Matters at the Buyer Stockholder Meeting, including as such Buyer Stockholder Meeting may be adjourned
or postponed in accordance with this Agreement, including by soliciting proxies as promptly as practicable in accordance with applicable
Law for the purpose of seeking the approval of the Buyer Stockholder Voting Matters. The Buyer shall include the Buyer Board Recommendation
in the Proxy Statement. The Buyer Board shall not (and no committee or subgroup thereof shall) change, withdraw, withhold, qualify
or modify, or publicly propose to change, withdraw, withhold, qualify or modify, the Buyer Board Recommendation. The Buyer agrees
that its obligation to establish a record date for, duly call, give notice of, convene and hold the Buyer Stockholder Meeting for
the purpose of seeking approval of the Buyer Stockholder Voting Matters shall not be affected by any intervening event or circumstance,
and Buyer agrees to establish a record date for, duly call, give notice of, convene and hold the Buyer Stockholder Meeting and
submit for the approval of the Buyer Stockholders the Buyer Stockholder Voting Matters, in each case as contemplated by this <U>Section
5.11(j)</U>, regardless of whether or not there shall have occurred any intervening event or circumstance. Notwithstanding anything
to the contrary contained in this Agreement, the Buyer shall be entitled to (and in the case of the following <U>clauses (ii)</U>
and <U>(iv)</U>, at the request of the Company, shall) postpone or adjourn the Buyer Stockholder Meeting for a period of no longer
than 15 Business Days: (i) to ensure that any supplement or amendment to the Proxy Statement that the Buyer Board has determined
in good faith is required by applicable Law is disclosed to Buyer&#8217;s stockholders and for such supplement or amendment to
be promptly disseminated to Buyer&#8217;s stockholders prior to the Buyer Stockholder Meeting; (ii) if, as of the time for which
the Buyer Stockholder Meeting is originally scheduled (as set forth in the Proxy Statement), there are insufficient shares of outstanding
Buyer Capital Stock represented (either in person or by proxy) to constitute a quorum necessary to conduct the business to be conducted
at the Buyer Stockholder Meeting; (iii) to seek withdrawals of redemption requests from Buyer Stockholders; or (iv) in order to
solicit additional proxies from Buyer Stockholders for purposes of obtaining approval of the Buyer Stockholder Voting Matters;
<U>provided</U> that, in the event of any such postponement or adjournment, the Buyer Stockholder Meeting shall be reconvened as
promptly as practicable following such time as the matters described in such clauses have been resolved.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Expenses</U>. Except as otherwise provided in this Agreement (including <U>Section 2.1</U>), each Party shall be
solely liable for and pay all of its own costs and expenses (including attorneys&#8217;, accountants&#8217; and investment bankers&#8217;
fees and other out-of-pocket expenses) incurred by such Party or its Affiliates in connection with the negotiation and execution
of this Agreement and the Ancillary Agreements, the performance of such Party&#8217;s obligations</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">hereunder and thereunder and the consummation
of the transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Releases</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to the other provisions in this <U>Section 5.13</U>, effective upon the Closing, and in consideration of the transactions
contemplated by this Agreement, and the additional covenants and promises set forth in this Agreement, the Company, on behalf of
itself and its current and former Subsidiaries, Affiliates, Members and their respective successors and assigns (collectively,
the &#8220;<U>Company Releasing Parties</U>&#8221;), hereby releases and discharges the Buyer, Sponsor, each OppFi Company and
their respective Affiliates and each of their respective current and former managers, directors, officers, employees, members,
stockholders, partners, benefit plan fiduciaries and administrators and their respective successors and assigns (the &#8220;<U>Company
Released Parties</U>&#8221;) from and against any and all Liabilities, and causes of actions of the Company, of any kind or nature
whatsoever arising out of the Company&#8217;s ownership of any OppFi Company (whether directly or indirectly) as to facts, conditions,
transactions, events or circumstances prior to the Closing (the &#8220;<U>Company Released Matters</U>&#8221;), and the Company
shall not, and shall cause the other Company Releasing Parties not to, seek to recover any amounts in connection with such Company
Released Matters from any Company Released Party; <U>provided</U>, <U>however</U>, that nothing contained in this <U>Section 5.13(a)</U>
shall waive, release or discharge any Company Released Party from any Liability such Person may have to any Company Releasing Party
with respect to indemnification under the Governing Documents of the OppFi Companies or any Liability such Person may have to any
Company Releasing Party pursuant to any contract, advance or balance set forth on <U>Section 3.20</U> of the Company&#8217;s Disclosure
Letter that is not cancelled in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to the other provisions in this <U>Section 5.13</U>, effective upon the Closing, and in consideration of the transactions
contemplated by this Agreement, and the additional covenants and promises set forth in this Agreement, the Buyer, on behalf of
itself and the OppFi Companies, the Buyer&#8217;s controlled Affiliates and their respective successors and assigns (collectively,
the &#8220;<U>Buyer Releasing Parties</U>&#8221;), hereby releases and discharges each Member and its Affiliates and each of their
respective current and former managers, directors, officers, employees, members, stockholders, partners, benefit plan fiduciaries
and administrators and their respective successors and assigns (the &#8220;<U>Buyer Released Parties</U>&#8221;) from and against
any and all Liabilities, and causes of actions of any OppFi Company, of any kind or nature whatsoever arising out of such the Company&#8217;s
ownership of any OppFi Company (whether directly or indirectly), as to facts, conditions, transactions, events or circumstances
prior to the Closing (the &#8220;<U>Buyer Released Matters</U>&#8221;), and Buyer shall not, and shall cause the other Buyer Releasing
Parties not to, seek to recover any amounts in connection with such Buyer Released Matters from any Buyer Released Party; <U>provided</U>,
<U>however</U>, that nothing contained in this <U>Section 5.13(b)</U> shall waive, release or discharge any Buyer Released Party
from any Liability such Person may have to any Buyer Releasing Party with respect to indemnification under the Governing Documents
of the Buyer or pursuant to any contract, advance or balance set forth on <U>Section 4.2</U> of the Buyer&#8217;s Disclosure Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>It is the intention of the Company in executing the release contained in <U>Section 5.13(a)</U> and in giving and receiving
the consideration called for in this Agreement, that this</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">release shall be effective as a full and
final accord and satisfaction and general release of and from all Company Released Matters. The Company hereby represents to the
Buyer that (i) the Company has not voluntarily or involuntarily assigned or transferred or purported to assign or transfer to any
Person any Company Released Matters or possible Company Released Matters against any Company Released Parties, (ii) the Company
fully intends to release, except in the case of claims against a Person in respect of such Person&#8217;s actual fraud, all Company
Released Matters against the Company Released Parties including unknown and contingent Company Released Matters (other than those
specifically reserved above), (iii) the Company has consulted with counsel with respect to the execution and delivery of this general
release and has been fully apprised of the consequences hereof; and (iv) to the Knowledge of the Company, no Person other than
the Company has any interest in any Company Released Matters by applicable Law or contract by virtue of any action or inaction
by the Company in a manner that would derogate from or otherwise prejudice the foregoing waiver. Furthermore, the Company further
agrees not to institute any litigation, lawsuit, claim, action or Proceeding against any Company Released Party with respect to
the Company Released Matters, except in the case of claims against a Person in respect of such Person&#8217;s actual fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>It is the intention of Buyer in executing the release contained in <U>Section 5.13(b)</U> and in giving and receiving the
consideration called for in this Agreement, that this release shall be effective as a full and final accord and satisfaction and
general release of and from all Buyer Released Matters. Buyer represents to Company that (i) the Buyer has not voluntarily or involuntarily
assigned or transferred or purported to assign or transfer to any Person any Buyer Released Matters or possible Buyer Released
Matters against any Buyer Released Parties, (ii) the Buyer fully intends to release, except in the case of claims against a Person
in respect of such Person&#8217;s actual fraud, all Buyer Released Matters against the Buyer Released Parties including unknown
and contingent Buyer Released Matters (other than those specifically reserved above), (iii) the Buyer has consulted with counsel
with respect to the execution and delivery of this general release and has been fully apprised of the consequences hereof; and
(iv) to the Knowledge of the Buyer, no Person other than Buyer has any interest in any Buyer Released Matters by applicable Law
or contract by virtue of any action or inaction by Buyer in a manner that would derogate from or otherwise prejudice the foregoing
waiver. Furthermore, the Buyer further agrees not to institute any litigation, lawsuit, claim, action or Proceeding against any
Buyer Released Party with respect to the Buyer Released Matters, except in the case of claims against a Person in respect of such
Person&#8217;s actual fraud.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary in this <U>Section 5.13</U>, nothing in this <U>Section 5.13</U> shall waive, release,
discharge, limit, modify, restrict, operate as a waiver with respect to or otherwise affect, any Liabilities or rights any Party
may have (i) under this Agreement, any Ancillary Agreement or the transactions contemplated hereby and thereby, (ii) under the
Confidentiality Agreement, (iii) arising out of actions or omissions occurring after the Closing or (iv) arising out of, or resulting
from, Fraud of the released Person. The invalidity or unenforceability of any part of this <U>Section 5.13</U> shall not affect
the validity or enforceability of the remainder of this <U>Section 5.13</U>, which shall remain in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Directors and Officers</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <U>Indemnification</U>. Beginning on the Closing Date and continuing until the sixth (6th) anniversary of the Closing Date,
the Buyer (i) shall cause each OppFi Company to maintain in effect all rights to indemnification, advancement of expenses, exculpation
and other limitations on Liability to the extent provided in the Governing Documents of such OppFi Company in effect as of the
Effective Date (&#8220;<U>D&amp;O Provisions</U>&#8221;) in favor of any current or former director, officer, or manager, or, to
the extent authorized under the applicable D&amp;O Provisions, any employee, agent or representative of any OppFi Company (collectively,
with such Person&#8217;s heirs, executors or administrators, the &#8220;<U>OppFi Indemnified Persons</U>&#8221;), and (ii) shall
not, and shall not permit any OppFi Company to, amend, repeal or modify in a manner adverse to the beneficiary thereof any provision
in the D&amp;O Provisions as it relates to any OppFi Indemnified Person, in each case relating to a state of facts existing prior
to Closing, without the written consent of such affected OppFi Indemnified Person (it being agreed that each OppFi Indemnified
Person shall be a third party beneficiary of this <U>Section 5.14)</U>. After the Closing, in the event that any OppFi Company
or its successors (i) consolidates with or merges into any other Person and is not the continuing or surviving company or entity
of such consolidation or merger or (ii) transfers or conveys all or substantially all of its properties and assets to any Person,
then in each such case, Buyer shall cause proper provision to be made so that the successors of the OppFi Company shall succeed
to and be bound by the obligations set forth in this <U>Section 5.14</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tail Policy</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For a period of six (6) years from and after the Closing Date, the Buyer shall purchase and maintain in effect policies
of directors&#8217; and officers&#8217; liability insurance covering those Persons who are currently covered by such policies of
the OppFi Companies and the Buyer with respect to claims arising from facts or events that occurred on or before the Closing and
with no less favorable coverage and amounts as, and contain terms and conditions no less advantageous than, in the aggregate, the
coverage currently provided by such current policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>At or prior to the Closing Date, the Buyer shall purchase and maintain in effect for a period of six (6) years thereafter,
 &#8220;run-off&#8221; coverage as provided by any OppFi Company&#8217;s and the Buyer&#8217;s fiduciary and employee benefit policies,
in each case, covering those Persons who are covered on the Effective Date by such policies and with terms, conditions, retentions
and limits of liability that are no less advantageous than the coverage provided under any OppFi Company&#8217;s or the Buyer&#8217;s
existing policies (the policies contemplated by the foregoing <U>clauses (i)</U> and <U>(ii)</U>, collectively, the &#8220;<U>Tail
Policy</U>&#8221;); <U>provided</U> that in no event shall the Buyer be required to expend on the premium thereof in excess of
three hundred percent (300%) of the aggregate annual premiums currently payable by the Company and the Buyer with respect to such
current policies (the &#8220;<U>Premium Cap</U>&#8221;); <U>provided</U>, <U>further</U>, that if such minimum coverage under any
such Tail Policy is or becomes not available at the Premium Cap, then any such Tail Policy shall contain the maximum coverage available
at the Premium Cap. No claims made under or in respect of such Tail Policy related to any fiduciary or employee of any OppFi Company
shall be settled without the prior written consent of the Company and the Members&#8217; Representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The provisions of this <U>Section 5.14</U> are (i) intended to be for the benefit of, and shall be enforceable by, each
OppFi Indemnified Person, his or her heirs and his or her representatives and (ii) in addition to, and not in substitution for,
any other rights to indemnification or contribution that any such individual may have under the applicable party&#8217;s</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Governing Documents or in any Contract
of the applicable party or its respective Subsidiaries in effect as of the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Nothing in this Agreement is intended to, shall be construed to, or shall release, waive or impair any rights to directors&#8217;
and officers&#8217; insurance claims under any policy that is or has been in existence with respect to the Buyer or the Company
or any of their respective Subsidiaries for any of their respective directors, officers, or other employees, it being understood
and agreed that the indemnification provided for in this <U>Section 5.14</U> is not prior to or in substitution for any such claims
under such policies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This <U>Section 5.14</U> shall survive the consummation of the transactions contemplated by this Agreement and shall be
binding on all successors and assigns of the Buyer and the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Post-Closing Buyer Board and Officers</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as otherwise agreed in writing by the Buyer and the Company, prior to the Closing, and conditioned upon the occurrence
of the Closing, the Parties shall take all necessary action, including causing the directors of the Buyer to resign (effective
as of the Closing), so that, effective as of immediately following the Closing, the Buyer Board will consist of (A) the number
of directors as is specified on <U>Section 5.14(f)(i)</U> of the Buyer&#8217;s Disclosure Letter and (B) the individuals listed
on <U>Section 5.14(f)(i)</U> of the Buyer&#8217;s Disclosure Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Parties shall take all action necessary, including causing the officers of the Buyer to resign, so that effective as
of the Closing, the officers of the Buyer will consist of the individuals listed on <U>Section 5.14(f)(ii)</U> of the Buyer&#8217;s
Disclosure Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Buyer Second A&amp;R Certificate of Incorporation and Buyer A&amp;R Bylaws</U>. Subject to receipt of the Required
Vote, immediately prior to the Closing, the Buyer shall (a) file the Buyer Second A&amp;R Certificate of Incorporation in accordance
with the provisions hereof and the DGCL and (b) adopt the Buyer A&amp;R Bylaws as its bylaws until thereafter amended in accordance
with the provisions thereof, the Buyer Second A&amp;R Certificate of Incorporation and the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Name Change</U>. In connection with the adoption of the Buyer Second A&amp;R Certificate of Incorporation and Buyer
A&amp;R Bylaws, the Buyer will change its name from &#8220;FG New America Acquisition Corp.&#8221; to &#8220;OppFi Inc.&#8221;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Exclusivity</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>From the Effective Date, until the earlier of the Closing or the termination of this Agreement in accordance with <U>Section
9.1</U>, the Company shall not, directly or indirectly, (i) solicit, initiate or take any action to facilitate or encourage any
inquiries or the making, submission or announcement of, any proposal or offer from any Person or group of Persons other than the
Buyer and the Sponsor (and their respective representatives, acting in their capacity as such) (a &#8220;<U>Competing Buyer</U>&#8221;)
that may constitute, or could reasonably be expected to lead to, a Competing Transaction; (ii) enter into, participate in, continue
or otherwise engage in, any discussions or negotiations with any Competing Buyer regarding a Competing Transaction; (iii)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">furnish (including through any virtual
data room) any information relating to any OppFi Company or any of its assets or businesses, or afford access to the assets, business,
properties, books or records of any OppFi Company to a Competing Buyer, in all cases for the purpose of assisting with or facilitating,
or that could otherwise reasonably be expected to lead to, a Competing Transaction; (iv) approve, endorse or recommend any Competing
Transaction; or (v) enter into a Competing Transaction or any agreement, arrangement or understanding (including any letter of
intent or term sheet) relating to a Competing Transaction or publicly announce an intention to do so; <U>provided</U> that none
of the foregoing restrictions shall prohibit any OppFi Company from taking the actions permitted by the exceptions set forth in
<U>Section 5.1</U> of this Agreement or the related sections of the Company&#8217;s Disclosure Letter, and any such action shall
not be deemed a violation of this <U>Section 5.17(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>From the Effective Date, until the earlier of the Closing or the termination of this Agreement in accordance with <U>Section
9.1</U>, the Sponsor and the Buyer shall not directly or indirectly, (i) solicit, initiate or take any action to facilitate or
encourage any inquiries or the making, submission or announcement of, any proposal or offer from any Person or group of Persons
other than the Company (and their respective representatives, acting in their capacity as such) (an &#8220;<U>Alternative Target</U>&#8221;)
that may constitute or could reasonably be expected to lead to, a Buyer Competing Transaction, (ii) enter into, participate in,
continue or otherwise engage in, any discussions or negotiations with any Alternative Target regarding a Buyer Competing Transaction;
(iii) furnish (including through any virtual data room) any non-public information relating to Buyer or any of its assets or businesses,
or afford access to the assets, business, properties, books or records of Buyer to an Alternative Target, in all cases for the
purpose of assisting with or facilitating, or that could otherwise reasonably be expected to lead to, a Buyer Competing Transaction;
(iv) approve, endorse or recommend any Buyer Competing Transaction; or (v) enter into a Buyer Competing Transaction or any agreement,
arrangement or understanding (including any letter of intent or term sheet) relating to a Buyer Competing Transaction or publicly
announce an intention to do so.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
VI</B><BR>
ADDITIONAL AGREEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 6.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Access to Books and Records</U>. From and after the Closing, the Buyer and its Affiliates shall make or cause to
be made available to the Members&#8217; Representative (including the right to copy at the Members&#8217; Representative&#8217;s
sole expense, as applicable) all books, records and documents relating to periods prior to the Closing Date of any OppFi Company
(and the assistance of employees responsible for such books, records and documents) during regular business hours and upon reasonable
prior written request as may be reasonably necessary for (a) investigating, settling, preparing for the defense or prosecution
of, defending or prosecuting any Proceeding (other than an actual or potential Proceeding (i) brought or threatened to be brought
by the Members&#8217; Representative or its Affiliates arising under this Agreement or (ii) brought or threatened to be brought
by the Buyer or their Affiliates against the Members&#8217; Representative or its Affiliate relating to or arising under this Agreement),
(b) preparing reports to Governmental Entities or (c) such other purposes (that do not involve an actual or potential Proceeding
brought by the Members&#8217; Representative or its Affiliates against the Buyer or by the Buyer or its Affiliates against the
Members&#8217; Representative arising under this Agreement) for which access to such documents is reasonably necessary. The Buyer
shall (at the Company&#8217;s sole expense) cause each</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">OppFi Company to maintain and preserve
all such books, records and other documents in the possession of the OppFi Companies as of the Closing Date for the greater of
(i) six (6) years after the Closing Date and (ii) any applicable statutory or regulatory retention period, as the same may be extended,
and in each case, shall offer to transfer such records to the Members&#8217; Representative, at the end of such period. Notwithstanding
anything in this Agreement to the contrary, the Buyer shall not be required to provide any access or information to the Sponsor,
the Members&#8217; Representative, their respective Affiliates or any of their respective representatives which constitutes information
protected by attorney-client privilege or which would violate any obligation owed to a third party under Contract or Law. This
<U>Section 6.1</U> shall not apply to Taxes or Tax matters, which are the subject of <U>Section 7.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
VII</B><BR>
TAX MATTERS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Certain Tax Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tax Returns</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Members&#8217; Representative shall prepare and file, or cause to be prepared and filed, at the cost and expense of
the OppFi Companies, (A) all Tax Returns of each OppFi Company that are due on or prior to the Closing Date (taking into account
applicable extensions) and (B) all Income Tax Returns of each OppFi Company for any taxable period ending on or prior to the Closing
Date, in each case, that are due after the Closing Date (collectively, the &#8220;<U>Members Prepared Returns</U>&#8221;). Each
Members Prepared Return filed after the Closing Date shall be prepared in a manner consistent with the OppFi Companies&#8217; past
practices except as otherwise required by applicable Law. Each Members Prepared Return filed after the Closing Date (taking into
account applicable extensions) shall be submitted to the Buyer no later than thirty (30) days prior to the due date for filing
such Tax Return (taking into account applicable extensions) for review. The Members&#8217; Representative shall consider in good
faith all reasonable comments received from the Buyer no later than ten (10) days prior to the due date for filing any such Tax
Return (taking into account applicable extensions) and shall not file such Tax Return without the consent of the Buyer, such consent
not to be unreasonably withheld, conditioned, or delayed. Except as otherwise required by law or would not reasonably be expected
to have a material effect on the Buyer, no filed Members Prepared Return may be amended after the Closing without the prior written
consent of the Buyer, which consent shall not be unreasonably withheld, conditioned or delayed; <U>provided</U> that in all cases
the Members&#8217; Representative shall submit to the Buyer no later than thirty (30) days prior to filing any amended Members
Prepared Return for review and comment by the Buyer and the Members&#8217; Representative shall consider in good faith all reasonable
comments received from Buyer within twenty (20) days of delivering any such Tax Returns to the Buyer. The Buyer shall prepare and
file, or cause to be prepared and filed, at the cost and expense of the OppFi Companies, all Tax Returns of each OppFi Company
(other than Members Prepared Returns) for any Pre-Closing Tax Period or Straddle Period that are due after the Closing Date (taking
into account applicable extensions) (the &#8220;<U>Buyer Prepared Returns</U>&#8221;). Each Buyer Prepared Return shall be prepared
in a manner consistent with the OppFi Companies&#8217; past practices except as otherwise required by applicable Law. Each Buyer
Prepared Return shall be submitted to the Members&#8217; Representative no later than thirty (30) days prior to the due date for
filing such Tax Return (taking into account applicable extensions) for review and approval, which approval shall</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">not be unreasonably withheld, conditioned
or delayed. Notwithstanding the foregoing, each Income Tax Return described in this <U>Section 7.1(a)</U> for a taxable period
that includes the Closing Date (x) for which the &#8220;interim closing method&#8221; under Section 706 of the Code (or any similar
provision of state, local or non-U.S. Law) is available shall be prepared in accordance with such method, (y) for which an election
under Section 754 of the Code (or any similar provision of state, local or non-U.S. Law) may be made shall make such election and
(z) shall be prepared in a manner such that any and all deductions, losses, or credits of any of the OppFi Companies resulting
from, attributable to or accelerated by the payment of the Transaction Expenses in connection with the transactions contemplated
by this Agreement are reported by the OppFi Companies and allocated to the taxable period ending on the Closing Date (or the portion
of any Straddle Period ending on the Closing Date) to the maximum extent permitted by applicable Law (and the parties agree that
70% of any success-based fees shall be deductible for U.S. federal or state Income Tax purposes pursuant to Revenue Procedure 2011-29,
2011-18 IRB to the extent permitted by applicable Law). For the avoidance of doubt, all Tax Returns of each OppFi Company (other
than Members Prepared Returns and Buyer Prepared Returns) that are filed after the Closing Date shall be prepared and filed in
accordance with the terms of the Company A&amp;R LLCA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>After the Closing, without the prior written consent of the Members&#8217; Representative (which consent shall not be unreasonably
withheld, conditioned or delayed), Buyer shall not (and shall neither cause nor permit any OppFi Company to) take any of the following
actions: (w) file (except for Buyer Prepared Returns as permitted under <U>Section 7.1(a)(i)</U>), amend, re-file or otherwise
modify any Tax Return relating in whole or part to any OppFi Company with respect to any Pre-Closing Tax Period or Straddle Period,
(x) enter into an agreement to extend the statute of limitations with respect to Tax Returns relating in whole or part to any OppFi
Company with respect to any Pre-Closing Tax Period or Straddle Period, (y) make any Tax election or take any position on any Tax
Return with respect to any OppFi Company that would have retroactive effect to a Pre-Closing Tax Period or Straddle Period, or
(z) initiate discussion, voluntary disclosure or examination with any Taxing Authority regarding Taxes or Tax Returns with respect
to any OppFi Company for any Pre-Closing Tax Period or Straddle Period (except that the Buyer and the OppFi Companies shall be
permitted to continue to comply with any voluntary disclosure program that was initiated prior to the Closing Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding the deadlines set forth in <U>Section 7.1(a)(i)</U> and <U>Section 7.1(a)(ii)</U> with respect to any Tax
Return described therein, the Members&#8217; Representative and Buyer shall reasonably cooperate to set later deadlines if it is
reasonably necessary in order to allow sufficient time for preparation and review of such Tax Return prior to the due date of such
Tax Return (including applicable extensions).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For purposes of determining whether the following Taxes are attributable to a Pre-Closing Tax Period:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the case of property Taxes and other similar Taxes imposed for a Straddle Period, the amounts that are allocable to the
Pre-Closing Tax Period shall be deemed to be the amount of such Tax for the entire taxable period multiplied by a fraction, the
numerator of which is the number of days in the portion of the taxable period ending on and including the Closing Date and the
denominator of which is the number of days in the entire Straddle Period;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> in the case of all other Taxes for a Straddle Period (including Taxes based on or measured by income, receipts, payments,
or payroll (to the extent not covered by <U>clause (i)</U> above)), the amount allocable to the Pre-Closing Tax Period shall be
determined based on an interim closing of the books as of the end of the day on the Closing Date using a &#8220;closing of the
books&#8221; methodology (including deductions under Section 168(k) of the Code); <U>provided</U> that for purposes of this <U>clause
(ii)</U>, any item determined on an annual or periodic basis (including amortization and depreciation deductions and the effects
of graduated rates but not including deductions under Section&nbsp;168(k) of the Code) shall be allocated to the portion of the
Straddle Period ending on the Closing Date based on the mechanics set forth in <U>clause (i)</U> for periodic Taxes unless otherwise
required by applicable Law; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>in the case of Taxes in the form of interest, penalties or additions, all such Taxes shall be treated as attributable to
a Pre-Closing Tax Period to the extent relating to a Tax for a Pre-Closing Tax Period (determined in accordance with <U>clauses
(i)</U> and <U>(ii)</U> above) whether such items are incurred, accrued, assessed or similarly charged on, before or after the
Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Party shall reasonably cooperate (and cause its Affiliates to reasonably cooperate), as and to the extent reasonably
requested by each other Party, in connection with the preparation and filing of Tax Returns required to be filed by the Company
and Tax Returns pursuant to <U>Section 7.1(a)</U>, including Buyer signing Members Prepared Returns that have been prepared in
accordance with <U>Section 7.1(a)(i)</U> on behalf of an OppFi Company, the preparation of the Allocation and the Tax Basis Balance
Sheet, and any Tax Proceeding with respect to Taxes or Tax Returns of any OppFi Company. Such cooperation shall include the provision
of records and information which are reasonably relevant to any such Tax Return, Tax Proceeding or other Tax related matter and
making employees available on a mutually convenient basis to provide additional information and explanation of any material provided
hereunder. Following the Closing, the Buyer and the Company shall (and the Company shall cause the OppFi Companies to) retain all
books and records with respect to Tax matters pertinent to the OppFi Companies relating to any taxable period beginning before
the Closing Date until the seven (7) year anniversary of the Closing Date, and to abide by all record retention agreements entered
into with any Taxing Authority. The Company shall (and shall cause their respective Affiliates to) provide any information reasonably
requested to allow the Buyer or any OppFi Company to comply with any information reporting or withholding requirements contained
in the Code or other applicable Laws or to compute the amount of payroll or other employment Taxes due with respect to any payment
made in connection with this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Party shall promptly notify the other Parties in writing upon receipt by the applicable Party or its Affiliates of
notice of any Tax Proceeding with respect to Taxes or Tax Returns of any OppFi Company relating to any Pre-Closing Tax Period or
Straddle Period. Such notification shall specify in reasonable detail the basis for such Tax Proceeding and shall include a copy
of the relevant portion of any correspondence received from the Taxing Authority.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> The Members&#8217; Representative shall have the right to control, at the cost and expense of the OppFi Companies, any
Tax Proceeding in respect of any OppFi Company with respect to any Income Tax matters for any taxable period ending on or before
the Closing Date; <U>provided</U>, <U>however</U>, that (A) the Buyer shall have the right, at the cost and expense of the OppFi
Companies, to participate in any such Tax Proceeding, (B) the Members&#8217; Representative shall provide the Buyer with a timely
and reasonably detailed account of each stage of such Tax Proceeding, (C) the Members&#8217; Representative shall not settle, compromise
or abandon any such Tax Proceeding without obtaining the prior written consent of the Buyer, which consent shall not be unreasonably
withheld, conditioned or delayed and (D) the Members&#8217; Representative shall defend such Tax Proceeding diligently and in good
faith and consult with the Buyer in good faith concerning the appropriate strategy for contesting such Tax Proceeding; <U>provided</U>,
<U>further</U>, that the Buyer, at the cost and expense of the OppFi Companies, may control and contest any such Tax Proceeding
(1) for which the Members&#8217; Representative would otherwise have the right to control under this <U>Section 7.1(d)(ii)</U>
if the Members&#8217; Representative elects in writing not to conduct such Tax Proceeding and (2) in respect of any OppFi Company
with respect to any Income Tax matters for any Straddle Period; <U>provided</U>, <U>further</U>, <U>however</U>, that if the Buyer
exercises its right to control any such Tax Proceeding under the preceding clause, the Members&#8217; Representative shall have
the right, at the cost and expense of the OppFi Companies, to participate in any such Tax Proceeding and the Buyer shall (x) provide
the Members&#8217; Representative with a timely and reasonably detailed account of each stage of such Tax Proceeding, (y) not settle,
compromise or abandon any such Tax Proceeding without obtaining the prior written consent of the Members&#8217; Representative,
which consent shall not be unreasonably withheld, conditioned or delayed, and (z) consult with the Members&#8217; Representative
in good faith concerning the appropriate strategy for contesting such Tax Proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company shall prepare and file or shall cause the applicable OppFi Company to prepare and file in a timely manner, all
necessary Tax Returns and other documentation with respect to all Transfer Taxes, and, if required by applicable Law, the Company
and the Buyer will, and will cause their respective Affiliates to, reasonably cooperate and join in the execution of any such Tax
Returns and other documentation. The Parties shall reasonably cooperate to establish any available exemption from (or reduction
in) any Transfer Tax. The Company shall provide the other Parties with evidence reasonably satisfactory to such other Party or
Parties that such Transfer Taxes have been paid, or if the relevant transactions are exempt from Transfer Taxes, evidence of the
filing of an appropriate certificate or other evidence of exemption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Parties acknowledge and agree that for U.S. federal (and, as applicable, state and local) Income Tax purposes, they
intend that (i) the amounts contributed to the Company pursuant to <U>Section 2.1(f)(i)</U> and <U>Section 2.1(f)(iii)</U> (but
only to the extent not otherwise accounted for in clause (ii) of this <U>Section 7.1(f)</U>) be governed by Section 721 of the
Code, and (ii) the shares and amounts contributed to the Company pursuant to <U>Section 2.1(b)</U>, <U>Section 2.1(f)(ii)</U>,
and <U>Section 2.1(f)(iii)</U> and distributed to Members or used for the redemption of Company Units by the Company pursuant to
<U>Section 2.1(d)</U> and <U>Section 2.1(f)(ii)</U> and certain rights provided under the Tax Receivable Agreement, shall be treated
together as a disguised sale of partnership interests governed by Section 707(a)(2)(B) of the Code and the Treasury Regulations
thereunder (the &#8220;<U>Deemed Sale</U>&#8221;), which Deemed Sale gives rise to an adjustment to the Buyer&#8217;s tax basis
in the direct and indirect assets of the Company pursuant to Section 743(b) of the Code (collectively, the &#8220;<U>Intended Tax
Treatment</U>&#8221;).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Within one hundred eighty (180) days following the final determination of the Final Buyer Transaction Expenses and the
Final Company Transaction Expenses, the Company will prepare, and deliver (or cause to be prepared and delivered) to Members&#8217;
Representative, (i) an allocation statement allocating the Cash Consideration and any other amounts treated as consideration for
U.S. federal income Tax purposes with respect to the Deemed Sale among the assets of the Company (other than its Equity Interests
in the Company Subsidiaries that are classified as entities that are disregarded as separate from the Company for U.S. federal
Income Tax purposes (&#8220;<U>DRE Subsidiaries</U>&#8221;)) and the assets of the DRE Subsidiaries (the &#8220;<U>Allocation</U>&#8221;)
and (ii) a balance sheet, as of the Closing Date, that sets out the Tax basis of the assets then owned by the Company (other than
its Equity Interests in the DRE Subsidiaries) and assets of the DRE Subsidiaries on the Closing Date and the amount of the liabilities
of the Company and the DRE Subsidiaries on the Closing Date (the &#8220;<U>Tax Basis Balance Sheet</U>&#8221;). The Allocation
shall contain sufficient detail to permit the Parties to make the computations and adjustments required under Sections 734(b),
743(b), 751 and 755 of the Code and the Treasury Regulations thereunder. Within thirty (30) days after the receipt of the Tax Basis
Balance Sheet and Allocation, the Members&#8217; Representative will propose any changes or will indicate its concurrence therewith.
If the Buyer and Members&#8217; Representative do not agree with the Tax Basis Balance Sheet or Allocation, then the Buyer and
Members&#8217; Representative shall attempt in good faith to reach agreement on the Tax Basis Balance Sheet or the Allocation,
as applicable, in a manner consistent with applicable Income Tax Law. If the Buyer and Members&#8217; Representative cannot reach
an agreement on the Tax Basis Balance Sheet or the Allocation within fifteen (15) days after receipt of the Members&#8217; Representative&#8217;s
proposed changes, then the Buyer and Members&#8217; Representative shall submit the dispute to a nationally recognized accounting
firm mutually acceptable to the Buyer and Members&#8217; Representative (the &#8220;<U>Tax Accounting Firm</U>&#8221;) for resolution,
acting as an accounting expert (and not as an arbitrator). For this purpose, (x) the Tax Accounting Firm may not assign a value
to any disputed item greater than the greatest value for such disputed item claimed by any party or less than the lowest value
for such disputed item claimed by any party and (y) all fees and expenses relating to the work, if any, to be performed by the
Tax Accounting Firm will be allocated between the Buyer on the one hand, and Members&#8217; Representative, on the other hand,
in the same proportion that the aggregate amount of the disputed items so submitted to the Tax Accounting Firm that is unsuccessfully
disputed by each such Party (as finally determined by the Tax Accounting Firm) bears to the total amount of such disputed items
so submitted. The Tax Basis Balance Sheet and the Allocation, as agreed to by the Buyer and Members&#8217; Representative or as
finally determined by the Tax Accounting Firm, as the case may be, shall be binding on all Parties (the &#8220;<U>Final Tax Basis
Balance Sheet</U>&#8221; and the &#8220;<U>Final Allocation</U>,&#8221; respectively). Within thirty (30) days following a Deemed
Sale, the Buyer shall deliver a Section 743 notification to the Company in accordance with Treasury Regulation Sections 1.743-1(k)(2).
The Parties also agree that no value shall be allocated to the Buyer Class V Voting Stock and shall report consistently with such
determination for U.S. federal (and applicable state and local) Income Tax purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Parties shall, and shall cause each of their respective applicable Affiliates to: (1) prepare and file all Tax Returns
consistent with the Final Tax Basis Balance Sheet, Final Allocation and Intended Tax Treatment (collectively, the &#8220;<U>Tax
Positions</U>&#8221;) unless otherwise required to do so by a &#8220;determination&#8221; as defined in Section 1313 of the Code
(or any similar provision of applicable state, local or non-U.S. Law); (2) take no position in any communication (whether written
or unwritten) with any Governmental Entity or any other action inconsistent with the Tax Positions; (3) promptly inform each other
of any challenge by any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Governmental Entity to any portion of the
Tax Positions; (4) consult with and keep one another informed with respect to the status of, and any discussion, proposal or submission
with respect to, any such challenge to any portion of the Tax Positions; and (5) use their respective commercially reasonable efforts
to defend the Tax Positions in any Tax Proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Without the prior written consent of the Buyer, the Company shall not, and shall cause its Affiliates not to, make or cause
to be made any election under Treasury Regulations Section 301.9100-22 (or any similar provision of state, local, or non-U.S. Laws)
with respect to any OppFi Company. With respect to any Tax Proceeding of any OppFi Company treated as a partnership for U.S. federal
Income Tax purposes for any Pre-Closing Tax Period or any Straddle Period and such Tax Proceeding is governed under subchapter
C of Chapter 63 of the Code, as amended by the Bipartisan Budget Act of 2015 (or any similar provision of state, local or non-U.S.
Law), the Company shall (and Buyer shall cause the Company to), and shall cause its eligible Subsidiaries to, timely make an election
under Section 6226 of the Code (or any similar provision of state, local or non-U.S. Law) in accordance with applicable Laws (and
the Members expressly consent to, and shall reasonably cooperate to the extent requested by the Buyer in, the making of all such
elections) (a &#8220;<U>Section 6226 Election</U>&#8221;). The Company shall (and Buyer shall cause the Company to), and shall
cause all of its respective eligible Subsidiaries, if any, to, make or cause to remain in effect, as applicable, a valid election
under Section 754 of the Code (and any similar provision of state, local or non-U.S. Law) for any taxable period that includes
the Closing Date (and, with respect to the Company and its eligible Subsidiaries, if any, for any taxable period that includes
the date of any Exchange (as defined in the Company A&amp;R LLCA)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Members and the OppFi Companies shall terminate or cause to be terminated any and all of the Tax Sharing Agreements
(excluding, for the avoidance of doubt, the Company A&amp;R LLCA) in effect between any Members, on the one hand, and any OppFi
Company, on the other hand, written or unwritten, on the Closing Date, and there shall be no continuing obligation for the OppFi
Companies to make any payments under any such agreements, arrangements or undertakings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No more than thirty (30) days prior to the Closing Date, the Company shall have delivered to the Buyer a properly signed
certification, dated as of the Closing Date, pursuant to Treasury Regulations Section 1.1445-11T(d)(2), signed under penalties
of perjury by a member of the Company with management authority over the Company in form and substance reasonably satisfactory
to the Buyer, certifying that fifty percent (50%) or more of the value of the gross assets of the Company does not consist of &#8220;U.S.
real property interests&#8221; (as used in Treasury Regulations Section 1.1445-11T), or that ninety percent (90%) or more of the
value of the gross assets of the Company does not consist of &#8220;U.S. real property interests&#8221; plus &#8220;cash or cash
equivalents&#8221; (as used in Treasury Regulations Section 1.1445-11T).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
VIII</B><BR>
CONDITIONS TO CLOSING</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 8.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Conditions to the Obligations of the Parties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Conditions to the Obligations of Each Party</U>. The obligation of each Party to consummate the transactions to be performed
by it in connection with the Closing is subject to</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">the satisfaction or written waiver, at
or prior to the Closing Date, of each of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Orders or Illegality</U>. There shall not be any applicable Law in effect that makes the consummation of the transactions
contemplated by this Agreement illegal or any Order in effect preventing the consummation of the transactions contemplated by this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Required Vote</U>. The Required Vote shall have been obtained.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Conditions to Obligations of the Buyer</U>. The obligation of the Buyer to consummate the transactions to be performed
by the Buyer in connection with the Closing is subject to the satisfaction or written waiver, at or prior to the Closing Date,
of each of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Representations and Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(A)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The representations and warranties of the Company set forth in <U>Article III</U> of this Agreement (other than the Company
Fundamental Representations), in each case, without giving effect to any materiality or Material Adverse Effect qualifiers contained
therein, shall be true and correct as of the Effective Date and as of the Closing Date as though then made (or if such representations
and warranties relate to a specific date, such representations and warranties shall be true and correct as of such date), except
in each case, to the extent such failure of the representations and warranties to be so true and correct, individually or in the
aggregate, has not had a Material Adverse Effect; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(B)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company Fundamental Representations, in each case, without giving effect to any materiality or Material Adverse Effect
qualifiers contained therein, shall be true and correct in all material respects as of the Effective Date and as of the Closing
Date as though then made (or if such representations and warranties relate to a specific date, such representations and warranties
shall be true and correct in all material respects as of such date);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Performance and Obligations of the Company</U>. The Company shall have performed or complied in all material respects
with all covenants required by this Agreement to be performed or complied with by the Company on or prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Material Adverse Effect</U>. Since the Effective Date, there shall not have been a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Recapitalization</U>. The Recapitalization shall have been effectuated as described in the Recitals and in compliance
with the terms and conditions of the Company&#8217;s LLCA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Company Closing Deliveries</U>. The Buyer shall have received the Closing deliveries set forth in <U>Section 2.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Requisite Consent</U>. The Requisite Consent shall have been obtained, provided as of the date hereof and be in full
force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <U>Conditions to Obligations of the Company</U>. The obligation of the Company to consummate the transactions to be performed
by the Company in connection with the Closing is subject to the satisfaction or written waiver, at or prior to the Closing Date,
of each of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Representations and Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(A)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The representations and warranties of the Buyer set forth in <U>Article IV</U> of this Agreement (other than the Buyer Fundamental
Representations), in each case, without giving effect to any materiality or Buyer Material Adverse Effect qualifiers contained
therein, shall be true and correct as of the Effective Date and as of the Closing Date as though then made (or if such representations
and warranties relate to a specific date, such representations and warranties shall be true and correct as of such date), except
in each case, to the extent such failure of the representations and warranties to be so true and correct, individually or in the
aggregate, has not had a Buyer Material Adverse Effect; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(B)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer Fundamental Representations, in each case, without giving effect to any materiality or Buyer Material Adverse
Effect qualifiers contained therein, shall be true and correct in all material respects as of the Effective Date and as of the
Closing Date as though then made (or if such representations and warranties relate to a specific date, such representations and
warranties shall be true and correct in all material respects as of such date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Performance and Obligations of the Buyer</U>. The Buyer shall have performed or complied in all material respects with
all covenants required by this Agreement to be performed or complied with by the Buyer on or prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Available Closing Date Cash</U>. Available Closing Date Cash shall not be less than two hundred million dollars ($200,000,000).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Buyer Governing Documents</U>. The Buyer Second A&amp;R Certificate of Incorporation shall have been filed with the Secretary
of State of the State of Delaware, and the Buyer shall have adopted the Buyer A&amp;R Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Buyer Closing Deliveries</U>. The Company and the Members&#8217; Representative shall have received the Closing deliveries
set forth in <U>Section 2.5(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Frustration of Closing Conditions</U>. None of the Company or the Buyer may rely on the failure of any condition set
forth in this <U>Section 8.1</U> to be satisfied if such failure was caused by such Party&#8217;s failure to act in good faith
or to use commercially reasonable efforts to cause the Closing conditions of such other Party to be satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Waiver of Closing Conditions</U>. Upon the occurrence of the Closing, any condition set forth in this <U>Section 8.1</U>
that was not satisfied as of the Closing shall be deemed to have been waived as of and from the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
IX</B><BR>
TERMINATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 9.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Termination</U>. This Agreement may be terminated, and the transactions contemplated by this Agreement abandoned,
at any time prior to the Closing only as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>by the mutual written consent of the Company and the Buyer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>by the Company or the Buyer by written notice to the other Party or Parties if any applicable Law is in effect making the
consummation of the transactions contemplated by this Agreement illegal or any final, non-appealable Order is in effect permanently
preventing the consummation of the transactions contemplated by this Agreement; <U>provided</U>, <U>however</U>, that the right
to terminate this Agreement pursuant to this <U>Section 9.1(b)</U> shall not be available to any Party whose breach of or failure
to perform any of its representations, warranties, covenants, agreements, or other obligations contained in this Agreement has
been the cause of or has resulted in such final, non-appealable Order or other action;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>by the Company or the Buyer by written notice to the other Party or Parties if the consummation of the transactions contemplated
by this Agreement shall not have occurred on or before August 9, 2021 (the &#8220;<U>Outside Date</U>&#8221;); <U>provided</U>,
<U>however</U>, that the right to terminate this Agreement pursuant to this <U>Section 9.1(c)</U> shall not be available to any
Party whose breach of or failure to perform any of its representations, warranties, covenants, agreements, or other obligations
contained in this Agreement has been the cause of or has resulted in the failure of the Closing to occur on or prior to the Outside
Date;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>by the Company if the Buyer breaches in any material respect any of its representations or warranties contained in this
Agreement or breaches or fails to perform in any material respect any of its agreements or covenants contained in this Agreement,
which breach or failure to perform (i) would render a condition precedent to the Company&#8217;s obligations to consummate the
transactions set forth in <U>Section 8.1(a)</U> or <U>Section 8.1(c)</U> of this Agreement not capable of being satisfied, and
(ii) after the giving of written notice of such breach or failure to perform to the Buyer by the Company, cannot be cured or has
not been cured by the earlier of the Outside Date and thirty (30) days after receipt of such written notice and the Company has
not waived in writing such breach or failure; <U>provided</U>, <U>however</U>, that the right to terminate this Agreement under
this <U>Section 9.1(d)</U> shall not be available to the Company if the Company is then in material breach of any representation,
warranty, covenant, or agreement contained in this Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>by the Buyer if the Company breaches in any material respect any of its representations or warranties contained in this
Agreement or the Company breaches or fails to perform in any material respect any of its agreements or covenants contained in this
Agreement, which breach or failure to perform (i) would render a condition precedent to the Buyer&#8217;s obligations to consummate
the transactions set forth in <U>Section 8.1(a)</U> or <U>Section 8.1(b)</U> of this Agreement not capable of being satisfied,
and (ii) after the giving of written notice of such breach or failure to perform to the Company by the Buyer, cannot be cured or
has not been cured by the earlier of the Outside Date and thirty (30) days after the delivery of such written notice and the Buyer
has not waived in writing such breach or failure; <U>provided</U>, <U>however</U>, that the right to</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">terminate this Agreement under this <U>Section
9.1(e)</U> shall not be available to the Buyer if the Buyer is then in material breach of any representation, warranty, covenant,
or agreement contained in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 9.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Effect of Termination</U>. In the event of the termination of this Agreement pursuant to <U>Section 9.1</U>, this
Agreement shall immediately become null and void, without any Liability on the part of any Party or any other Person, and all rights
and obligations of each Party shall cease; <U>provided</U> that (a) the Confidentiality Agreement and the agreements contained
in <U>Section 3.13</U>, <U>Section 4.3</U>, <U>Section 5.11(a)</U>, <U>Section 5.12</U>, this <U>Section 9.2</U> and <U>Article
X</U> of this Agreement shall survive any termination of this Agreement and remain in full force and effect and (b) no such termination
shall relieve any Party from any Liability arising out of or incurred as a result of its Fraud or its willful and material breach
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>Article
X</B><BR>
MISCELLANEOUS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Amendment and Waiver</U>. No amendment of any provision of this Agreement shall be valid unless the same shall be
in writing and signed by the Buyer, the Company and the Members&#8217; Representative. No waiver of any provision or condition
of this Agreement shall be valid unless the same shall be in writing and signed by the Party against which such waiver is to be
enforced. No waiver by any Party of any default, breach of representation or warranty, or breach of covenant hereunder, whether
intentional or not, shall be deemed to extend to any other, prior or subsequent default or breach or affect in any way any rights
arising by virtue of any other, prior, or subsequent such occurrence. Any such amendment or waiver may occur after the approval
of the Buyer Stockholder Voting Matters at the Buyer Stockholder Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Waiver of Remedies; Survival of Representations and Warranties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except (i) in the case of Fraud, (ii) as set forth in <U>Section 9.2</U>, or (iii) claims to enforce the performance of
the covenants required to be performed in whole or in part after the Closing in accordance with <U>Section 10.12</U>, the Company
Parties shall have no liability to the Buyer, the OppFi Companies, or its and their respective successors and permitted assigns,
officers, directors, managers, equityholders, members, partners, employees, Affiliates, agents and representatives (collectively,
the &#8220;<U>Buyer Parties</U>&#8221;) for any or all losses that are sustained or incurred by any of the Buyer Parties by reason
of, resulting from, or arising out of any breach of or inaccuracy in any of the Company&#8217;s representations or warranties or
breach of any covenant to the extent providing for performance prior to the Closing contained in this Agreement or any Ancillary
Agreement. Except (i) in the case of Fraud, (ii) as set forth in <U>Section 9.2</U>, or (iii) claims to enforce the performance
of the covenants required to be performed in whole or in part after the Closing in accordance with <U>Section 10.12</U>, the Buyer
Parties shall have no liability to the Company and its successors and permitted assigns, officers, directors, managers, equityholders,
members, partners, employees, Affiliates, agents and representatives (collectively, the &#8220;<U>Company Parties</U>&#8221;) for
any or all losses that are sustained or incurred by any of the Company Parties by reason of, resulting from, or arising out of
any breach of or inaccuracy in any of the Buyer&#8217;s representations or warranties or breach of any covenant to the extent providing
for performance prior to the Closing contained in this Agreement or any certificate delivered in connection with this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> The representations and warranties of the Parties set forth in <U>Article III</U> and <U>Article IV</U> and all covenants
of any of the Parties that are to be fully performed prior to Closing, shall not survive the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Members&#8217; Representative</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In connection with the Recapitalization, the Members shall appoint the Members&#8217; Representative as agent and attorney
in fact (with the full power of substitution) for and on behalf of the Members to (i) interpret the terms and provisions of this
Agreement and the Ancillary Agreements, (ii) execute, deliver and receive deliveries of all agreements, certificates, statements,
notices, approvals, extensions, waivers, undertakings, amendments and other documents required or permitted to be given in connection
with this Agreement, the Ancillary Agreements and the consummation of the transactions contemplated hereby, (iii) receive service
of process in connection with any claims under this Agreement, (iv) agree to, negotiate, enter into settlements and compromises
of, assume the defense of any Proceedings, and demand arbitration and comply with orders of courts and awards of arbitrators with
respect to such Proceedings, and to take all actions necessary or appropriate in the judgment of the Members&#8217; Representative
for the accomplishment of the foregoing, (v) give and receive notices and communications, (vi) make any determinations and settle
any matters related to any Tax matters pursuant to <U>Article VII</U>, the matters contemplated by <U>Section 2.6</U>, (vii) administer,
pay out, deduct, hold back or redirect any funds (including any Earnout Voting Shares and/or Earnout Company Units), which may
be payable or distributable to any Member pursuant to the terms of this Agreement or any Ancillary Agreement for, (A) any amount
that may be payable by the Members pursuant to this Agreement, including <U>Section 2.6</U> and <U>Article VII</U> or (B) any costs,
fees, expenses and other liabilities incurred by the Members&#8217; Representative, acting in such capacity, in connection with
this Agreement and the Ancillary Agreements, and (viii)&nbsp;take all actions necessary or appropriate in the judgment of the Members&#8217;
Representative on behalf of the Members in connection with this Agreement and the Ancillary Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Members&#8217; Representative, or any successor hereafter appointed, may resign at any time by written notice to the
Buyer. Any change in the Members&#8217; Representative will become effective upon notice to the Buyer in accordance with this <U>Section
10.3</U>. All power, authority, rights and privileges conferred in this Agreement to the Members&#8217; Representative will apply
to any successor Members&#8217; Representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Members&#8217; Representative will not be liable for any act done or omitted under this Agreement as Members&#8217;
Representative while acting in good faith, and any act taken or omitted to be taken pursuant to the advice of counsel will be conclusive
evidence of such good faith. The Buyer agrees that it will not look to the assets of the Members&#8217; Representative, acting
in such capacity, for the satisfaction of any obligations to be performed by the OppFi Companies. In performing any of its duties
under this Agreement or any Ancillary Agreements, the Members&#8217; Representative will not be liable to the Members for any losses
that any such Person may incur as a result of any act, or failure to act, by the Members&#8217; Representative under this Agreement
or any Ancillary Agreements, and the Members&#8217; Representative will be indemnified and held harmless by the Company for all
losses, except to the extent that the actions or omissions of the Members&#8217; Representative constituted fraud, gross negligence
or willful misconduct. The limitation of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">liability provisions of this <U>Section
10.3(c)</U> will survive the termination of this Agreement and the resignation of the Members&#8217; Representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Buyer shall be entitled to rely exclusively upon any notices and other acts of the Members&#8217; Representative relating
to the Members&#8217; rights and obligations hereunder as being legally binding acts of each Member individually and collectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Notices</U>. All notices, demands and other communications to be given or delivered under this Agreement shall be
in writing and shall be deemed to have been given (a) when personally delivered (or, if delivery is refused, upon presentment)
or received by email (with non-automated confirmation of receipt by the recipient) prior to 5:00 p.m. eastern time on a Business
Day and, if otherwise, on the next Business Day, or (b) when received (or, if delivery is refused, upon presentment) following
sending by reputable overnight express courier (charges prepaid) or certified or registered mail and return receipt requested (postage
prepaid). Unless another address is specified in writing pursuant to the provisions of this <U>Section 10.4</U>, notices, demands
and other communications to the Company, the Members&#8217; Representative and the Buyer shall be sent to the addresses indicated
below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Notices to the Company prior to the Closing</U>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Opportunity Financial, LLC</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">130 E. Randolph Street, Suite 3300</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Chicago, IL 60601</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Attention: Jared Kaplan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Email: jkaplan@opploans.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD>
    <TD STYLE="width: 50%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt"><U>with a copy to (which shall not constitute notice)</U>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">DLA Piper LLP (US)</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">200 S. Biscayne Boulevard, Suite 2500</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Miami, FL 33131</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Attention: Joshua M. Samek, Esq.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Email: joshua.samek@dlapiper.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Notices to the Members&#8217; Representative</U>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">TCS Group, LLC</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">One North Wacker Drive</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Suite 3605</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Chicago, IL 60606</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Attention: David Vennettilli</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Email: dvennettilli@schwartzcap.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt"><U>with copies to (which shall not constitute notice)</U>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Skadden, Arps, Slate, Meagher &amp; Flom LLP</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">525 University Avenue, Suite 1400</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Palo Alto, CA 94301</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Attention: Thomas J. Ivey, Esq.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Email: thomas.ivey@skadden.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">DLA Piper LLP (US)</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">200 S. Biscayne Boulevard, Suite 2500</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Miami, FL 33131</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Attention: Joshua M. Samek, Esq.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Email: joshua.samek@dlapiper.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">&nbsp;</P></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Notices to the Buyer, and following the Closing, the Company</U>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">FG New America Acquisition Corp.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">105 S. Maple Street</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Itasca, IL 60143</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Attention: Larry G Swets, Jr.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Email: lswets@itascafinancial.com</P></TD>
    <TD STYLE="width: 50%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt"><U>with a copy to (which shall not constitute notice)</U>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">White &amp; Case LLP</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">1221 Avenue of the Americas</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">New York, NY 10020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Attention: Gary Silverman</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 63pt">Elliott Smith</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt">Email: gary.silverman@whitecase.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 45pt">elliott.smith@whitecase.com</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -9pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; font-size: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Assignment</U>. This Agreement and all of the provisions hereof shall be binding upon and inure to the benefit of
the Parties and their respective successors and assigns; <U>provided</U> that neither this Agreement nor any of the rights, interests
or obligations hereunder may be assigned or delegated by any Party (including by operation of Law) without the prior written consent
of the other Parties. Any purported assignment or delegation not permitted under this <U>Section 10.5</U> shall be null and void.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Severability</U>. Whenever possible, each provision of this Agreement shall be interpreted in such manner as to be
effective and valid under applicable Law, but if any provision of this Agreement or the application of any such provision to any
Person or circumstance shall be held to be prohibited by or invalid, illegal, or unenforceable under applicable Law in any respect
by a court of competent jurisdiction, such provision shall be ineffective only to the extent of such prohibition or invalidity,
illegality, or unenforceability, without invalidating the remainder of such provision or the remaining provisions of this Agreement.
Furthermore, in lieu of such illegal, invalid, or unenforceable provision, there shall be added automatically as a part of this
Agreement a legal, valid and enforceable provision as similar in terms to such illegal, invalid, or unenforceable provision as
may be possible.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Interpretation</U>. The headings and captions used in this Agreement and the table of contents to this Agreement
are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Any capitalized
terms used in any Disclosure Letter, Schedule, or Exhibit attached hereto or delivered at the same time and not otherwise defined
therein shall have the meanings set forth in this Agreement. The use of the word &#8220;including&#8221; herein shall mean &#8220;including
without limitation.&#8221; The words &#8220;hereof,&#8221; &#8220;herein,&#8221; and &#8220;hereunder&#8221; and words of similar
import, when used in this Agreement, shall refer to this Agreement as a whole and not to any particular provision of this Agreement.
References herein to a specific Section, Subsection, Clause, Recital, Section of a Disclosure Letter, Schedule or Exhibit shall
refer, respectively, to Sections, Subsections, Clauses, Recitals, Sections of a Disclosure Letter, Schedules or Exhibits of this
Agreement. Terms defined in the singular shall have a comparable meaning when used in the plural, and vice versa. References herein
to any gender shall include each other gender. The word &#8220;or&#8221; shall not be exclusive unless the context clearly requires
the selection of one (1) (but not more than one (1)) of a number of items. References to &#8220;written&#8221; or &#8220;in writing&#8221;
include in electronic form. References herein to any Person shall include such Person&#8217;s heirs, executors, personal representatives,
administrators, successors and permitted assigns; <U>provided</U>, <U>however</U>, that nothing contained in this <U>Section 10.7</U>
is intended to authorize any assignment or transfer not otherwise permitted by this Agreement. References herein to a Person in
a particular capacity or capacities shall exclude such Person in any other capacity. Any reference to &#8220;days&#8221; shall
mean calendar days unless Business Days are specified; <U>provided</U> that if any action is required to be done or taken on a
day that is not a Business Day, then such action shall be required to be done or taken not on such day but on the first succeeding
Business Day</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">thereafter. References herein to any Contract
(including this Agreement) mean such Contract as amended, restated, supplemented or modified from time to time in accordance with
the terms thereof; <U>provided</U> that with respect to any Contract listed (or required to be listed) on the Disclosure Letters,
all material amendments and modifications thereto (but excluding any purchase orders, work orders or statements of work) must also
be listed on the appropriate section of the applicable Disclosure Letter. With respect to the determination of any period of time,
the word &#8220;from&#8221; means &#8220;from and including&#8221; and the words &#8220;to&#8221; and &#8220;until&#8221; each
means &#8220;to but excluding.&#8221; References herein to any Law shall be deemed also to refer to such Law, as amended, and all
rules and regulations promulgated thereunder. If any Party has breached any representation, warranty, covenant, or agreement contained
in this Agreement in any respect, the fact that there exists another representation, warranty, covenant, or agreement relating
to the same subject matter (regardless of the relative levels of specificity) which the Party has not breached shall not detract
from or mitigate the fact that the Party is in breach of the first representation, warranty, covenant, or agreement. The word &#8220;extent&#8221;
in the phrase &#8220;to the extent&#8221; (or similar phrases) shall mean the degree to which a subject or other thing extends,
and such phrase shall not mean simply &#8220;if.&#8221; An accounting term not otherwise defined in this Agreement has the meaning
assigned to it in accordance with GAAP. Except where otherwise provided, all amounts in this Agreement are stated and shall be
paid in United States dollars. The Parties and their respective counsel have reviewed and negotiated this Agreement as the joint
agreement and understanding of the Parties, and the language used in this Agreement shall be deemed to be the language chosen by
the Parties to express their mutual intent, and no rule of strict construction shall be applied against any Person. Any information
or materials shall be deemed provided, made available or delivered to the Buyer if such information or materials have been uploaded
to the electronic data room maintained by the Company and its financial advisors on the Intralinks online-platform for purposes
of the transactions contemplated by this Agreement (the &#8220;<U>Data Room</U>&#8221;) or otherwise provided to the Buyer&#8217;s
representatives (including counsel) via electronic mail, in each case, prior to the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Entire Agreement</U>. This Agreement, the Ancillary Agreements and the Confidentiality Agreement (together with the
Disclosure Letters and the Exhibits to this Agreement) contain the entire agreement and understanding among the Parties with respect
to the subject matter hereof and thereof and supersede all prior and contemporaneous agreements, understandings and discussions,
whether written or oral, relating to such subject matter in any way. No Party shall be liable or bound to any other Party in any
manner by any representations, warranties, or covenants relating to such subject matter except as specifically set forth herein
or in the Ancillary Agreements and the Confidentiality Agreement (together with the Disclosure Letters and the Exhibits to this
Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></B><U>Counterparts; Electronic Delivery</U>. This Agreement, the Ancillary Agreements and the other agreements, certificates,
instruments and documents delivered pursuant to this Agreement may be executed and delivered in one or more counterparts and by
email or other electronic transmission, each of which shall be deemed an original and all of which shall be considered one and
the same agreement. No Party shall raise the use of email or other electronic transmission to deliver a signature or the fact that
any signature or agreement or instrument was transmitted or communicated through the use of email or other electronic transmission
as a defense to the formation or enforceability of a Contract and each Party forever waives any such defense.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;
 &nbsp;&nbsp;</FONT></B><U>Governing Law; Waiver of Jury Trial; Jurisdiction</U>. The Law of the State of Delaware shall govern
(a) all claims or matters related to or arising from this Agreement (including any tort or non-contractual claims) and (b) any
questions concerning the construction, interpretation, validity and enforceability of this Agreement, and the performance of the
obligations imposed by this Agreement, in each case without giving effect to any choice-of-law or conflict-of-law rules or provisions
(whether of the State of Delaware or any other jurisdiction) that would cause the application of the Law of any jurisdiction other
than the State of Delaware. EACH PARTY TO THIS AGREEMENT HEREBY IRREVOCABLY WAIVES ALL RIGHTS TO TRIAL BY JURY IN ANY PROCEEDING
BROUGHT TO RESOLVE ANY DISPUTE BETWEEN OR AMONG ANY OF THE PARTIES (WHETHER ARISING IN CONTRACT, TORT OR OTHERWISE) ARISING OUT
OF, CONNECTED WITH, RELATED OR INCIDENTAL TO THIS AGREEMENT, THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT AND/OR THE RELATIONSHIPS
ESTABLISHED AMONG THE PARTIES UNDER THIS AGREEMENT. THE PARTIES HERETO FURTHER WARRANT AND REPRESENT THAT EACH HAS REVIEWED THIS
WAIVER WITH ITS LEGAL COUNSEL, AND THAT EACH KNOWINGLY AND VOLUNTARILY WAIVES ITS JURY TRIAL RIGHTS FOLLOWING CONSULTATION WITH
LEGAL COUNSEL. Each of the Parties submits to the exclusive jurisdiction of first, the Chancery Court of the State of Delaware
or if such court declines jurisdiction, then to the Federal District Court for the District of Delaware, in any Proceeding arising
out of or relating to this Agreement, agrees that all claims in respect of the Proceeding shall be heard and determined in any
such court and agrees not to bring any Proceeding arising out of or relating to this Agreement in any other courts. Nothing in
this <U>Section 10.10</U>, however, shall affect the right of any Party to serve legal process in any other manner permitted by
Law or at equity. Each Party agrees that a final judgment in any Proceeding so brought shall be conclusive and may be enforced
by suit on the judgment or in any other manner provided by Law or at equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;
</FONT></B><U>Trust Account Waiver</U>. The Company acknowledges that the Buyer has established the Trust Account for the benefit
of its public Buyer Stockholders, which holds proceeds of its initial public offering. For and in consideration of the Buyer entering
into this Agreement and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged,
the Company, for itself and the Affiliates it has the authority to bind, hereby agrees it does not now and shall not at any time
hereafter have any right, title, interest or claim of any kind in or to any assets in the Trust Account (or distributions therefrom
to (i) the public Buyer Stockholders upon the redemption of their shares and (ii) the underwriters of Buyer&#8217;s initial public
offering in respect of their deferred underwriting commissions held in the Trust Account, in each case as set forth in the Trust
Agreement (collectively, the &#8220;<U>Trust Distributions</U>&#8221;)), and hereby waives any claims it has or may have at any
time solely against the Trust Account (including the Trust Distributions) as a result of, or arising out of, any discussions, contracts
or agreements (other than this Agreement and the Ancillary Agreements) among the Buyer and the Company. The Company agrees and
acknowledges that such irrevocable waiver is material to this Agreement and specifically relied upon by the Buyer to induce Buyer
to enter in this Agreement, and the Company further intends and understands such waiver to be valid, binding and enforceable against
the Company and its Affiliates that it has the authority to bind under applicable Law. To the extent the Company or any of its
Affiliates that the Company has the authority to bind commences any action or proceeding against the Buyer or any of its Affiliates
based upon, in connection with, relating to or arising out of any matter relating to the Buyer, its Affiliates or its representatives,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">which Proceeding seeks, in whole or in
part, monetary relief against the Buyer, its Affiliates or its representatives, the Company hereby acknowledges and agrees that
the Company&#8217;s and such Affiliates&#8217; sole remedy shall be against assets of the Buyer or such Affiliate or representatives
not in the Trust Account and that such claim shall not permit the Company or such Affiliates (or any Person claiming on any of
their behalves) to have any claim against the Trust Account (including the Trust Distributions) or any amounts contained in the
Trust Account while in the Trust Account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;
</FONT></B><U>Specific Performance</U>. Each Party acknowledges that the rights of each Party to consummate the transactions contemplated
by this Agreement are unique and recognize and affirm that in the event any of the provisions of this Agreement are not performed
in accordance with their specific terms or otherwise are breached, money damages would be inadequate (and therefore the non-breaching
Party would have no adequate remedy at Law) and the non-breaching Party would be irreparably damaged. Accordingly, each Party agrees
that each other Party shall be entitled to specific performance, an injunction or other equitable relief (without posting of bond
or other security or needing to prove irreparable harm) to prevent breaches of the provisions of this Agreement and to enforce
specifically this Agreement and the terms and provisions hereof in any Proceeding, in addition to any other remedy to which such
Person may be entitled. Each Party agrees that it will not oppose the granting of specific performance and other equitable relief
on the basis that the other Parties have an adequate remedy at Law or that an award of specific performance is not an appropriate
remedy for any reason at Law or equity. The Parties acknowledge and agree that any Party seeking an injunction to prevent breaches
of this Agreement and to enforce specifically the terms and provisions of this Agreement in accordance with this <U>Section 10.12</U>
shall not be required to provide any bond or other security in connection with any such injunction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;
</FONT></B><U>No Third-Party Beneficiaries</U>. This Agreement is for the sole benefit of the Parties and their permitted assigns
and nothing herein expressed or implied shall give or be construed to give any Person, other than the Parties and such permitted
assigns, any legal or equitable rights hereunder (other than in respect of the OppFi Indemnified Persons and Non-Party Affiliates,
each of whom is an express third-party beneficiary hereunder to the specific provisions in which such Person is referenced and
entitled to enforce only such obligations hereunder).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;
</FONT></B><U>Disclosure Letters and Exhibits</U>. The Disclosure Letters and Exhibits attached hereto or referred to in this Agreement
are (a) each hereby incorporated in and made a part of this Agreement as if set forth in full herein and (b) qualified in their
entirety by reference to specific provisions of this Agreement. Any fact or item disclosed in any Section of a Disclosure Letter
shall be deemed disclosed in each other Section of the applicable Disclosure Letter to which such fact or item may apply so long
as (i) such other Section is referenced by applicable cross&#45;reference or (ii) it is reasonably apparent on the face of such
disclosure that such disclosure is applicable to such other Section or portion of the Disclosure Letter. The headings contained
in the Disclosure Letters are for convenience of reference only and shall not be deemed to modify or influence the interpretation
of the information contained in the Disclosure Letters or this Agreement. The Disclosure Letters are not intended to constitute,
and shall not be construed as, an admission or indication that any such fact or item is required to be disclosed. The Disclosure
Letters shall not be deemed to expand in any way the scope or effect of any representations, warranties or covenants described
in this Agreement. Any fact or item, including the specification of any dollar amount, disclosed in the Disclosure Letters shall
not by reason only of such inclusion</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">be deemed to be material, to establish
any standard of materiality or to define further the meaning of such terms for purposes of this Agreement, and matters reflected
in the Disclosure Letters are not necessarily limited to matters required by this Agreement to be reflected herein and may be included
solely for information purposes; and no Party shall use the fact of the setting of the amounts or the fact of the inclusion of
any item in the Disclosure Letters in any dispute or controversy between the Parties as to whether any obligation, item or matter
not described or included in the Disclosure Letters is or is not required to be disclosed (including whether the amount or items
are required to be disclosed as material or threatened) or is within or outside of the Ordinary Course of Business. No disclosure
in the Disclosure Letters relating to any possible breach or violation of any Contract, Law or Order shall be construed as an admission
or indication that any such breach or violation exists or has actually occurred. Moreover, in disclosing the information in the
Disclosure Letters, the Company does not waive any attorney-client privilege associated with such information or any protection
afforded by the work-product doctrine with respect to any of the matters disclosed or discussed therein. The information contained
in the Disclosure Letters shall be kept strictly confidential by the Parties and no third party may rely on any information disclosed
or set forth therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;
</FONT></B><U>No Recourse</U>. Notwithstanding anything that may be expressed or implied in this Agreement (except in the case
of the immediately succeeding sentence) or any Ancillary Agreement, and notwithstanding the fact that any Party may be a corporation,
partnership, limited liability company, or otherwise, each Party hereto, by its acceptance of the benefits of this Agreement, covenants,
agrees and acknowledges that no Persons other than the Parties shall have any obligation hereunder and that it has no rights of
recovery hereunder against, and no recourse hereunder or under any Ancillary Agreements or other instruments delivered contemporaneously
herewith or in respect of any oral representations made or alleged to be made in connection herewith or therewith shall be had
against any former, current, or future director, officer, agent, Affiliate, manager, assignee, incorporator, controlling Person,
fiduciary, representative or employee of any Party (or any of their successors or permitted assignees), against any former, current,
or future general or limited partner, manager, stockholder, or member of any Party (or any of their successors or permitted assignees)
or any Affiliate thereof, or against any former, current, or future director, officer, agent, employee, Affiliate, manager, assignee,
incorporator, controlling Person, fiduciary, representative, general or limited partner, stockholder, manager or member of any
of the foregoing, but in each case not including the Parties (each, but excluding for the avoidance of doubt, the Parties, a &#8220;<U>Non-Party
Affiliate</U>&#8221;), whether by or through attempted piercing of the corporate veil, by or through a claim (whether in tort,
Contract or otherwise) by or on behalf of such Party against the Non-Party Affiliates, by the enforcement of any assessment or
by any Proceeding, or by virtue of any statute, regulation or other applicable Law, or otherwise; it being agreed and acknowledged
that no personal Liability whatsoever shall attach to, be imposed on, or otherwise be incurred by any Non-Party Affiliate, as such,
for any obligations of the applicable Party under this Agreement or the transactions contemplated by this Agreement, under any
documents or instruments delivered contemporaneously herewith, in respect of any oral representations made or alleged to be made
in connection herewith or therewith, or for any claim (whether in tort, Contract or otherwise) based on, in respect of, or by reason
of, such obligations or their creation. Notwithstanding the forgoing, a Non-Party Affiliate may have obligations under any documents,
agreements, or instruments delivered contemporaneously herewith or otherwise required by this Agreement if such Non-Party Affiliate
is party to such document, agreement or instrument. Except to the extent otherwise set forth in, and subject in all cases to the
terms and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">conditions of and limitations herein, this
Agreement may only be enforced against, and any claim or cause of action of any kind based upon, arising out of, or related to
this Agreement, or the negotiation, execution or performance of this Agreement, may only be brought against the entities that are
named as Parties hereto and then only with respect to the specific obligations set forth herein with respect to such Party. Each
Non-Party Affiliate is intended as a third-party beneficiary of this <U>Section 10.15</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;
</FONT></B><U>Legal Representation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>The Company</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Party hereby agrees, on its own behalf and on behalf of its directors, managers, officers, owners, employees and Affiliates
and each of their successors and assigns (all such parties, the &#8220;<U>Waiving Parties</U>&#8221;), that DLA Piper LLP (US)
(or any successor thereto) (&#8220;<U>DLA</U>&#8221;) may represent any OppFi Company or any direct or indirect director, manager,
officer, owner, employee or Affiliate thereof, in connection with any dispute, claim, Proceeding or Liability arising out of or
relating to this Agreement, any Ancillary Agreement or the transactions contemplated hereby or thereby (any such representation,
the &#8220;<U>Company Post-Closing Representation</U>&#8221;) notwithstanding its representation (or any continued representation)
of the OppFi Companies in connection with the transactions contemplated by this Agreement, and each Party on behalf of itself and
the Waiving Parties hereby consents thereto and irrevocably waives (and will not assert) any conflict of interest or any objection
arising therefrom or relating thereto, even though the interests of the Company Post-Closing Representation may be directly adverse
to the Waiving Parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each of the Buyer and the Company acknowledges that the foregoing provision applies whether or not DLA provides legal services
to the OppFi Companies after the Closing Date. Each of the Buyer and the Company, for itself and the Waiving Parties, hereby irrevocably
acknowledges and agrees that all communications among DLA, the OppFi Companies and/or any director, manager, officer, owner, employee
or representative of any of the foregoing made in connection with the negotiation, preparation, execution, delivery and performance
under, or any dispute, claim, Proceeding or Liability arising out of or relating to, this Agreement, any Ancillary Agreement or
the transactions contemplated hereby or thereby or any matter relating to any of the foregoing, are privileged communications and
the attorney-client privilege and the expectation of client confidence belongs solely to the OppFi Companies and is exclusively
controlled by the OppFi Companies and shall not pass to or be claimed by the Members&#8217; Representative or the Buyer. From and
after the Closing, none of the Buyer or any Person purporting to act on behalf of or through the Buyer or any of the Waiving Parties,
will seek to obtain the same by any process. From and after the Closing, the Buyer on behalf of itself and the Waiving Parties,
irrevocably waives and will not assert any attorney-client privilege with respect to any communication among DLA, any OppFi Company
and/or any director, manager, officer, owner, employee or representative of any of the foregoing occurring prior to the Closing
in connection with any Company Post-Closing Representation. Notwithstanding the foregoing, in the event that a dispute arises between
the Buyer, on the one hand, and a third party other than an OppFi Company, on the other hand, the Buyer may assert the attorney-client
privilege to prevent disclosure of confidential communications to such third party; <U>provided</U>, <U>however</U>, that the Buyer
may not waive such privilege without the prior written consent of an OppFi Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <U>The Buyer</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Waiving Party hereby agrees that White &amp; Case LLP (or any successor thereto) (&#8220;<U>W&amp;C</U>&#8221;) may
represent the Buyer or any direct or indirect director, manager, officer, owner, employee or Affiliate of the Buyer (including
the OppFi Companies), in connection with any dispute, claim, Proceeding or Liability arising out of or relating to this Agreement,
any Ancillary Agreement or the transactions contemplated hereby or thereby (any such representation, the &#8220;<U>Buyer Post&#45;Closing
Representation</U>&#8221;) notwithstanding its representation (or any continued representation) of the Buyer in connection with
the transactions contemplated by this Agreement, and the Company, on behalf of itself and the Waiving Parties, hereby consents
thereto and irrevocably waive (and will not assert) any conflict of interest or any objection arising therefrom or relating thereto,
even though the interests of the Buyer Post-Closing Representation may be directly adverse to the Waiving Parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each of the Buyer and the Company acknowledges that the foregoing provision applies whether or not W&amp;C provides legal
services to the Buyer after the Closing Date. Each of the Buyer and the Company, for itself and the Waiving Parties, hereby irrevocably
acknowledges and agrees that all communications among W&amp;C, the Buyer and/or any director, manager, officer, owner, employee
or representative of any of the foregoing made in connection with the negotiation, preparation, execution, delivery and performance
under, or any dispute, claim, Proceeding or Liability arising out of or relating to, this Agreement, any Ancillary Agreement or
the transactions contemplated hereby or thereby or any matter relating to any of the foregoing, are privileged communications and
the attorney-client privilege and the expectation of client confidence belongs solely to the Buyer and is exclusively controlled
by the Buyer and shall not pass to or be claimed by the Buyer or any of the OppFi Companies. From and after the Closing, none of
the Buyer, the Company, nor any Person purporting to act on behalf of or through the Buyer, the Company, or any of the Waiving
Parties, will seek to obtain the same by any process. From and after the Closing, each of the Buyer, the Company, and the Waiving
Parties, irrevocably waives and will not assert any attorney-client privilege with respect to any communication among W&amp;C,
the Buyer, the Sponsor and/or any director, manager, officer, owner, employee or representative of any of the foregoing occurring
prior to the Closing in connection with any Buyer Post-Closing Representation. Notwithstanding the foregoing, in the event that
a dispute arises between the Buyer, the Company, on the one hand, and a third party, on the other hand, the Buyer and the Company
may assert the attorney-client privilege to prevent disclosure of confidential communications to such third party; <U>provided</U>,
<U>however</U>, that the Company may waive such privilege without the prior written consent of the Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;
</FONT></B><U>Acknowledgements</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>The Company</U>. Each of the OppFi Companies specifically acknowledges and agrees to the Buyer&#8217;s disclaimer of
any representations or warranties other than those set forth in <U>Article IV</U> and any Ancillary Agreement or certificate delivered
by the Buyer pursuant to this Agreement, whether made by the Buyer or any of its Affiliates or representatives, and of all Liability
and responsibility for any representation, warranty, projection, forecast, statement, or information made, communicated, or furnished
(orally or in writing) to the OppFi Companies and the Members&#8217; Representative, their Affiliates or representatives (including
any opinion, information, projection, or advice that may have been or may be provided to the Buyer, its</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Affiliates or representatives by either
the Buyer or any of its Affiliates or representatives), other than those set forth in <U>Article IV</U> and any Ancillary Agreement
or certificate delivered by the Buyer pursuant to this Agreement. The Buyer specifically acknowledges and agrees that, without
limiting the generality of this <U>Section 10.17</U>, no OppFi Company nor any of their respective Affiliates or representatives
has made any representation or warranty with respect to any projections or other future forecasts. The Buyer specifically acknowledges
and agrees that except for the representations and warranties set forth in <U>Article IV</U> and any Ancillary Agreement or certificate
delivered by the Buyer pursuant to this Agreement, the Buyer makes no, nor has the Buyer made, any other express or implied representation
or warranty with respect to the Buyer, its assets or Liabilities, the businesses of the Buyer or the transactions contemplated
by this Agreement or the Ancillary Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>The Buyer</U>. The Buyer specifically acknowledges and agrees to the Company disclaimer of any representations or warranties
other than those set forth in <U>Article III</U> and any Ancillary Agreement or certificate delivered by any OppFi Company, or
the Members&#8217; Representative pursuant to this Agreement, whether made by the Company or any of its Affiliates or representatives,
and of all Liability and responsibility for any representation, warranty, projection, forecast, statement, or information made,
communicated, or furnished (orally or in writing) to the Buyer, its Affiliates or representatives (including any opinion, information,
projection, or advice that may have been or may be provided to the Buyer, its Affiliates or representatives by any OppFi Company
or any of its respective Affiliates or representatives), other than those set forth in <U>Article III</U> and any Ancillary Agreement
or certificate delivered by any OppFi Company or the Members&#8217; Representative pursuant to this Agreement. The Buyer specifically
acknowledges and agrees that, without limiting the generality of this <U>Section 10.17</U>, no OppFi Company nor any of their respective
Affiliates or representatives has made any representation or warranty with respect to any projections or other future forecasts.
The Buyer specifically acknowledges and agrees that except for the representations and warranties set forth in <U>Article III</U>
and any Ancillary Agreement or certificate delivered by any OppFi Company or the Members&#8217; Representative pursuant to this
Agreement, the Company does not make, nor has the Company made, any other express or implied representation or warranty with respect
to the OppFi Companies, their assets or Liabilities, the businesses of the OppFi Companies or the transactions contemplated by
this Agreement or the Ancillary Agreements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Pages Follow</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
each of the undersigned has caused this Business Combination Agreement to be duly executed as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>BUYER</U></B>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">FG NEW AMERICA ACQUISITION CORP.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By: <U>/s/ Larry G. Swets,
        Jr.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name: Larry G. Swets, Jr.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Title: Chief Executive Officer</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Business Combination
Agreement</I>]</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
each of the undersigned has caused this Business Combination Agreement to be duly executed as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>COMPANY</U></B>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">OPPORTUNITY FINANCIAL, LLC</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By: <U>/s/ Jared
        Kaplan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name: Jared Kaplan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Title: Chief Executive Officer</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">[<I>Signature Page to Business Combination
Agreement</I>]</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
each of the undersigned has caused this Business Combination Agreement to be duly executed as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>OFS</U></B>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="text-transform: uppercase">OppFi Shares, LLC</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By: <U>/s/ Todd G.
        Schwartz&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name:&nbsp;Todd G. Schwartz</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Title:&nbsp;Manager</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page to Business Combination
Agreement</I>]</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
each of the undersigned has caused this Business Combination Agreement to be duly executed as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>MEMBERS&#8217; REPRESENTATIVE</U></B>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>/s/ Todd G. Schwartz&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;</U></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name:&nbsp;Todd G. Schwartz</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Business Combination
Agreement</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT A</B></P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt; font-family: Times New Roman, Times, Serif">SECOND AMENDED AND RESTATED<BR>
CERTIFICATE OF INCORPORATION<BR>
OF<BR>
FG NEW AMERICA ACQUISITION CORP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">______________, 2021</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">FG New America Acquisition Corp., a corporation
organized and existing under the laws of the State of Delaware (the &#8220;<B><I>Existing Corporation</I></B>&#8221;), DOES HEREBY
CERTIFY AS FOLLOWS:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">1.<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The name of the Existing Corporation is &#8220;FG New America Acquisition Corp.&#8221; The original certificate of incorporation
was filed with the Secretary of State of the State of Delaware on June 24, 2020 (the &#8220;<B><I>Original Certificate</I></B>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Existing Corporation&#8217;s First Amended and Restated Certificate of Incorporation, which amended and restated the
provisions of the Original Certificate, was filed with the Secretary of State of the State of Delaware on June 24, 2020 (as amended,
the &#8220;<B><I>First Amended and Restated Certificate</I></B>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Second Amended and Restated Certificate of Incorporation (the &#8220;<B><I>Second Amended and Restated Certificate</I></B>&#8221;),
which both restates and amends the provisions of the First Amended and Restated Certificate, was duly adopted in accordance with
Sections 228, 242 and 245 of the General Corporation Law of the State of Delaware, as amended from time to time (the &#8220;<B><I>DGCL</I></B>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Second Amended and Restated Certificate is restating and amending the provisions of the First Amended and Restated
Certificate in connection with the business combination (the &#8220;<B><I>Initial Business Combination</I></B>&#8221;) contemplated
by that certain Business Combination Agreement, dated as of February 9, 2021, by and among the Corporation, Opportunity Financial,
LLC and Todd Schwartz, as Members&#8217; Representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Second Amended and Restated Certificate shall become effective on the date of filing with the Secretary of State of
Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Certain capitalized terms used in this Second Amended and Restated Certificate are defined where appropriate herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The text of the First Amended and Restated Certificate is hereby restated and amended in its entirety to read as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE I<BR>
NAME</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The name of the corporation is OppFi Inc.
(the &#8220;<B><I>Corporation</I></B>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE II<BR>
PURPOSE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The purpose of the Corporation is to engage
in any lawful act or activity for which corporations may now or hereafter be organized under the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE III<BR>
REGISTERED AGENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The address of the Corporation&#8217;s registered
office in the State of Delaware is 251 Little Falls Drive, in the City of Wilmington, County of New Castle, State of Delaware,
19808, and the name of the Corporation&#8217;s registered agent at such address is Corporation Service Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE IV<BR>
CAPITALIZATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authorized
Capital Stock</U>. The total number of shares of all classes of capital stock, each with a par value of $0.0001 per share, which
the Corporation is authorized to issue is __________________ shares, consisting of (a) __________________ shares of common stock
(the &#8220;<B><I>Common Stock</I></B>&#8221;), including (i) __________________ shares of Class A common stock (the &#8220;<B><I>Class
A Common Stock</I></B>&#8221;), (ii) __________________ shares of Class B common stock (the &#8220;<B><I>Class B Common Stock</I></B>&#8221;
and, together with the Class A Common Stock, the &#8220;<B><I>Economic Common Stock</I></B>&#8221;), and (iii) __________________
shares of Class V common stock (the &#8220;<B><I>Class V Common Stock</I></B>&#8221;), and (b) __________________ shares of preferred
stock (the &#8220;<B><I>Preferred Stock</I></B>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 4.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Preferred
Stock</U>. Subject to <I>Article IX </I>of this Amended and Restated Certificate, the board of directors of the Corporation (the
 &#8220;<B><I>Board</I></B>&#8221;) is hereby expressly authorized to provide out of the unissued shares of the Preferred Stock
for one or more series of Preferred Stock and to establish from time to time the number of shares to be included in each such series
and to fix the voting rights, if any, designations, powers, preferences and relative, participating, optional, special and other
rights, if any, of each such series and any qualifications, limitations and restrictions thereof, as shall be stated in the resolution
or resolutions adopted by the Board providing for the issuance of such series and included in a certificate of designation (a &#8220;<B><I>Preferred
Stock Designation</I></B>&#8221;) filed pursuant to the DGCL, and the Board is hereby expressly vested with the authority to the
full extent provided by law, now or hereafter, to adopt any such resolution or resolutions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 4.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Common
Stock</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">(a)<I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Voting</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Except as otherwise required by law or this Second Amended and Restated Certificate (including any Preferred Stock Designation),
the holders of the Common Stock shall exclusively possess all voting power with respect to the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(ii) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise required by law or this Second Amended and Restated Certificate (including any Preferred Stock Designation), the holders
of shares of Common Stock shall be entitled to one vote for each such share on each matter properly submitted to the stockholders
on which the holders of the Common Stock are entitled to vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Except as otherwise required by law or this Second Amended and Restated Certificate (including any Preferred Stock Designation),
at any annual or special meeting of the stockholders of the Corporation, holders of the Class A Common Stock, holders of the Class
B Common Stock and holders of the Class V Common Stock, voting together as a single class, shall have the exclusive right to vote
for the election of directors and on all other matters properly submitted to a vote of the stockholders. Notwithstanding the foregoing,
except as otherwise required by law or this Second Amended and Restated Certificate (including any Preferred Stock Designation),
holders of shares of any series of Common Stock shall not be entitled to vote on</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">any amendment to this Second Amended and Restated
Certificate (including any amendment to any Preferred Stock Designation) that relates solely to the terms of one or more outstanding
series of Preferred Stock or other series of Common Stock if the holders of such affected series of Preferred Stock or Common Stock,
as applicable, are entitled exclusively, either separately or together with the holders of one or more other such series, to vote
thereon pursuant to this Second Amended and Restated Certificate (including any Preferred Stock Designation) or the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Class B Common Stock.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Shares of Class B Common Stock shall be convertible into shares of Class A Common Stock on a one-for-one basis (the &#8220;<B><I>Initial
Conversion Ratio</I></B>&#8221;) automatically concurrently with or immediately following the closing of a merger, capital stock
exchange, asset acquisition, stock purchase, reorganization or similar business combination involving the Corporation and one or
more businesses (a &#8220;<B><I>Business Combination</I></B>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Notwithstanding the Initial Conversion Ratio, in the case that additional shares of Class&nbsp;A Common Stock or equity-linked
securities are issued or deemed issued in excess of the amounts sold in the Corporation&#8217;s initial public offering of securities
(the &#8220;<B><I>Offering</I></B>&#8221;) and related to or in connection with the closing of the initial Business Combination,
all issued and outstanding shares of Class&nbsp;B Common Stock shall automatically convert into shares of Class&nbsp;A Common Stock
at the time of the closing of the Corporation&#8217;s initial Business Combination, the ratio for which the shares of Class B Common
Stock shall convert into shares of Class A Common Stock will be adjusted so that the number of shares of Class A Common Stock issuable
upon conversion of all shares of Class B Common Stock will equal, in the aggregate, twenty-five percent (25%) of the sum of (a)
the total number of all shares of Class A Common Stock issued in the Offering (including any shares of Class A Common Stock issued
pursuant to the underwriters&#8217; over-allotment option) plus (b) the sum of (i) all shares of Class A Common Stock issued or
deemed issued or issuable upon conversion or exercise of any equity-linked securities or rights issued or deemed issued in connection
with or in relation to the consummation of a Business Combination, excluding any shares of Class A Common Stock or equity-linked
securities or rights issued, or to be issued, to any seller in a Business Combination, any private placement warrants issued to
FG New America Investors LLC (the &#8220;<B><I>Sponsor</I></B>&#8221;), any private placement units issued to the Sponsor or and
any warrants issued to an affiliate of the Sponsor or the Corporation&#8217;s officers and directors upon the conversion of working
capital loans made to the Corporation, minus (ii) the number of shares of Class A Common Stock redeemed in connection with a Business
Combination, provided that such conversion of shares of Class B Common Stock shall never be less than the Initial Conversion Ratio.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">Notwithstanding anything to the
contrary contained herein, the foregoing adjustment to the Initial Conversion Ratio may be waived as to any particular issuance
or deemed issuance of additional shares of Class&nbsp;A Common Stock or equity-linked securities by the written consent or agreement
of holders of a majority of the shares of Class&nbsp;B Common Stock then outstanding consenting or agreeing separately as a single
class in the manner provided in&nbsp;<U>Section 4.3(b)(iii)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 38.25pt">The foregoing conversion ratio
shall also be adjusted to account for any subdivision (by stock split, subdivision, exchange, stock dividend, reclassification,
recapitalization or otherwise) or combination (by reverse stock split, exchange, reclassification, recapitalization or otherwise)
or similar reclassification or recapitalization of the outstanding shares of Class A Common Stock into a greater or lesser number
of shares occurring after the original filing of this Second Amended and Restated Certificate without a proportionate and corresponding
subdivision,</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">combination or similar reclassification or recapitalization
of the outstanding shares of Class B Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 38.25pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">Each share of Class B Common Stock
shall convert into its <I>pro rata</I> number of shares of Class A Common Stock pursuant to this <U>Section 4.3(b)</U>. The <I>pro
rata</I> share for each holder of Class B Common Stock will be determined as follows: Each share of Class B Common Stock shall
convert into such number of shares of Class A Common Stock as is equal to the product of one (1) multiplied by a fraction, the
numerator of which shall be the total number of shares of Class A Common Stock into which all of the issued and outstanding shares
of Class B Common Stock shall be converted pursuant to this <U>Section 4.3(b)</U> and the denominator of which shall be the total
number of issued and outstanding shares of Class B Common Stock at the time of conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<I>Voting.</I> Except as otherwise required by law or this Second Amended and Restated Certificate (including any Preferred Stock
Designation), for so long as any shares of Class B Common Stock shall remain outstanding, the Corporation shall not, without the
prior vote or written consent of the holders of a majority of the shares of Class B Common Stock then outstanding, voting separately
as a single class, amend, alter or repeal any provision of this Second Amended and Restated Certificate, whether by merger, consolidation
or otherwise, if such amendment, alteration or repeal would alter or change the powers, preferences or relative, participating,
optional or other or special rights of the Class B Common Stock. Any action required or permitted to be taken at any meeting of
the holders of Class B Common Stock may be taken without a meeting, without prior notice and without a vote, if a consent or consents
in writing, setting forth the action so taken, shall be signed by the holders of the outstanding Class B Common Stock having not
less than the minimum number of votes that would be necessary to authorize or take such action at a meeting at which all shares
of Class B Common Stock were present and voted and shall be delivered to the Corporation by delivery to its registered office in
the State of Delaware, its principal place of business, or an officer or agent of the Corporation having custody of the book in
which minutes of proceedings of stockholders are recorded. Delivery made to the Corporation&#8217;s registered office shall be
by hand or by certified or registered mail, return receipt requested. Prompt written notice of the taking of corporate action without
a meeting by less than unanimous written consent of the holders of Class B Common Stock shall, to the extent required by law, be
given to those holders of Class B Common Stock who have not consented in writing and who, if the action had been taken at a meeting,
would have been entitled to notice of the meeting if the record date for notice of such meeting had been the date that written
consents signed by a sufficient number of holders of Class B Common Stock to take the action were delivered to the Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Dividends</I>.
Subject to applicable law, the rights, if any, of the holders of any outstanding series of the Preferred Stock and the provisions
of Article IX hereof, the holders of shares of Economic Common Stock shall be entitled to receive such dividends and other distributions
(payable in cash, property or capital stock of the Corporation) when, as and if declared thereon by the Board from time to time
out of any assets or funds of the Corporation legally available therefor and shall share equally on a per share basis in such dividends
and distributions. Dividends or distributions of cash, property or shares of capital stock of the Corporation may not be declared
or paid on the Non-Economic Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Liquidation,
Dissolution or Winding Up of the Corporation. </I>Subject to applicable law, the rights, if any, of the holders of any outstanding
series of the Preferred Stock and the provisions of Article IX hereof, in the event of any voluntary or involuntary liquidation,
dissolution or winding up of the Corporation, after payment or provision for payment of the debts and other liabilities of the
Corporation, the holders of shares of Economic Common Stock shall be entitled to receive all the remaining assets of</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">the Corporation available for distribution to its stockholders,
ratably in proportion to the number of shares of Economic Common Stock held by them. The holders of shares of Non-Economic Common
Stock, as such, will not be entitled to receive, with respect of such shares, any assets of the Corporation in excess of the par
value thereof, in the event of any voluntary or involuntary liquidation, dissolution or winding up of the affairs of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 4.4 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rights
and Options</U>. The Corporation has the authority to create and issue rights, warrants and options entitling the holders thereof
to acquire from the Corporation any shares of its capital stock of any class or classes, with such rights, warrants and options
to be evidenced by or in instrument(s) approved by the Board. The Board is empowered to set the exercise price, duration, times
for exercise and other terms and conditions of such rights, warrants or options; provided, however, that the consideration to be
received for any shares of capital stock issuable upon exercise thereof may not be less than the par value thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE V<BR>
BOARD OF DIRECTORS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 5.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Board
Powers</U>. The business and affairs of the Corporation shall be managed by, or under the direction of, the Board. In addition
to the powers and authority expressly conferred upon the Board by statute, this Second Amended and Restated Certificate or the
Amended and Restated By Laws of the Corporation (&#8220;<B><I>By Laws</I></B>&#8221;), the Board is hereby empowered to exercise
all such powers and do all such acts and things as may be exercised or done by the Corporation, subject, nevertheless, to the provisions
of the DGCL, this Second Amended and Restated Certificate and any By Laws adopted by the stockholders; provided, however, that
no By Laws hereafter adopted by the stockholders shall invalidate any prior act of the Board that would have been valid if such
By Laws had not been adopted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 5.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Number,
Election and Term</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise provided for or fixed pursuant to the Investor Rights Agreement dated as of __________, 2021 by and between the Corporation
and the stockholders party thereto (the &#8220;<B><I>Investor Rights Agreement</I></B>&#8221;) or any certificate of designation
with respect to any series of Preferred Stock, the total number of directors of the Corporation shall be fixed from time to time
exclusively by the Board pursuant to a resolution adopted by a majority of the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Subject to <U>Section 5.5</U> hereof, the Board shall be divided into three classes, as nearly equal in number as possible and
designated Class I, Class II and Class III. The Board is authorized to assign members of the Board already in office to Class I,
Class II or Class III. The term of the initial Class I Directors shall expire at the 2022 annual meeting of the stockholders of
the Corporation, the term of the initial Class II Directors shall expire at the 2023 annual meeting of the stockholders of the
Corporation and the term of the initial Class III Directors shall expire at the 2024 annual meeting of the stockholders of the
Corporation. At each succeeding annual meeting of the stockholders of the Corporation, beginning with the 2022 annual meeting of
the stockholders of the Corporation, each of the successors elected to replace the class of directors whose term expires at that
annual meeting shall be elected for a three-year term or until the election and qualification of their respective successors in
office, subject to their earlier death, resignation or removal. Subject to <U>Section 5.5</U> hereof, if the number of directors
that constitutes the Board is changed, any increase or decrease shall be apportioned by the Board among the classes so as to maintain
the number of directors in each class as nearly equal as possible, but in no case shall a decrease in the number of directors constituting
the Board shorten the term of any incumbent director. Subject to the rights of the holders of one or more series of Preferred Stock,
voting separately by class or series, to elect directors pursuant to the terms of one or more series of Preferred Stock, the election
of directors shall be determined by a plurality of the votes cast by the stockholders present in person or represented by</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">proxy at the meeting and entitled to vote thereon. The Board
is hereby expressly authorized, by resolution or resolutions thereof, to assign members of the Board already in office to the aforesaid
classes at the time this Second Amended and Restated Certificate (and therefore such classification) becomes effective in accordance
with the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to <U>Section 5.5</U> hereof, a director shall hold office until the annual meeting for the year in which his or her term expires
and until his or her successor has been elected and qualified, subject, however, to such director&#8217;s earlier death, resignation,
retirement, disqualification or removal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
and except to the extent that the By Laws shall so require, the election of directors need not be by written ballot. The holders
of shares of Common Stock shall not have cumulative voting rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 5.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Newly
Created Directorships and Vacancies</U>. Subject to <U>Section 5.5</U> hereof and without limiting the rights of any party to the
Investor Rights Agreement (as defined below), at any time when the SCG Holders (as defined under the Investor Rights Agreement)
beneficially own, in the aggregate, thirty-five percent (35%) or more of the voting power of the stock of the Corporation entitled
to vote generally in the election of directors, any newly created directorships resulting from an increase in the number of directors
and any vacancies on the Board resulting from death, resignation, retirement, disqualification, removal or other cause may be filled
by (i) the affirmative vote or written consent of the holders of at least a majority in voting power of all then outstanding shares
of Common Stock, voting together as a single class, (ii) the affirmative vote or written consent of a majority of the remaining
directors then in office, even if less than a quorum, or (iii) a sole remaining director, and any director so chosen shall hold
office for the remainder of the full term of the class of directors to which the new directorship was added or in which the vacancy
occurred and until his or her successor has been elected and qualified, subject, however, to such director&#8217;s earlier death,
resignation, retirement, disqualification or removal; provided, however, that at any time when the SCG Holders beneficially own,
in the aggregate, less than thirty-five percent (35%) of the voting power of the stock of the Corporation entitled to vote generally
in the election of directors, any such newly created directorships and vacancies shall be filled solely and exclusively by a majority
vote of the remaining directors then in office, even if less than a quorum, or by a sole remaining director (and not by stockholders).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Removal</U>.
Subject to <U>Section 5.5</U> hereof and without limiting the rights of any party to the Investor Rights Agreement, at any time
when the SCG Holders beneficially own, in the aggregate, thirty-five percent (35%) or more of the voting power of the stock of
the Corporation entitled to vote generally in the election of directors, any or all of the directors may be removed from office
at any time, either with or without cause and only by the affirmative vote or written consent of the holders of at least a majority
in voting power of all then outstanding shares of Common Stock, voting together as a single class; provided, however, that at any
time when the SCG Holders beneficially own, in the aggregate, less than thirty-five percent (35%) or more of the voting power of
the stock of the Corporation entitled to vote generally in the election of directors, any such director or all such directors may
be removed at any time but only for cause and only by the affirmative vote or written consent of the holders of at least a majority
in voting power of all then outstanding shares of Common Stock, voting together as a single class.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Preferred Stock - Directors</U>. Notwithstanding any other provision of this <I>Article V</I>, and except as otherwise required
by law, whenever the holders of one or more series of the Preferred Stock shall have the right, voting separately by class or series,
to elect one or more directors, the term of office, the filling of vacancies, the removal from office and other features of such
directorships shall be governed by the terms of such series of the Preferred Stock as set forth in this Second Amended and Restated
Certificate (including any Preferred Stock Designation) and such directors shall not be included in any of the classes created
pursuant to this <I>Article V </I>unless expressly provided by such terms.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 5.6 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Quorum</U>.
A quorum for the transaction of business by the directors shall be set forth in the By Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE VI<BR>
BY LAWS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In furtherance and not in limitation of
the powers conferred upon it by law, the Board shall have the power and is expressly authorized to adopt, amend, alter or repeal
the By Laws. The affirmative vote of a majority of the Board or action by written consent of the Board shall be required to adopt,
amend, alter or repeal the By Laws. The By Laws also may be adopted, amended, altered or repealed by the stockholders; provided,
however, that in addition to any vote of the holders of any class or series of capital stock of the Corporation required by law
or by this Second Amended and Restated Certificate (including any Preferred Stock Designation), the affirmative vote or written
consent of the holders of at least a majority of the voting power of all then outstanding shares of capital stock of the Corporation
entitled to vote generally in the election of directors, voting together as a single class, shall be required for the stockholders
to adopt, amend, alter or repeal the By Laws; and provided further, however, that no By Laws hereafter adopted by the stockholders
shall invalidate any prior act of the Board that would have been valid if such By Laws had not been adopted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE VII<BR>
MEETINGS OF STOCKHOLDERS; ACTION BY WRITTEN CONSENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 7.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Meetings of Stockholders; Action by Written Consent</U>. Subject to the rights, if any, of the holders of any outstanding series
of the Preferred Stock, and to the requirements of applicable law:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Special
meetings of stockholders of the Corporation may be called only (i) by the Chairman of the Board, (ii) by the Chief Executive Officer
of the Corporation, (iii) by the Board pursuant to a resolution adopted by a majority of the Board, or (iv) at any time when the
SCG Holders beneficially own, in the aggregate, thirty-five percent (35%) or more of the voting power of the stock of the Corporation
entitled to vote generally in the election of directors, by a representative of the SCG Holders, and the ability of the other stockholders
of the Corporation to call a special meeting is hereby specifically denied. Except as provided in the foregoing sentence, special
meetings of stockholders may not be called by another person or persons;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
any time when the SCG Holders beneficially own, in the aggregate, less than thirty-five percent (35%) of the voting power of the
stock of the Corporation entitled to vote generally in the election of directors, any action required or permitted to be taken
by the stockholders of the Corporation must be effected at a duly called annual or special meeting of such holders and may not
be effected by written consent of the stockholders; provided, however, that any action required or permitted to be taken by the
holders of Preferred Stock, voting separately as a series or separately as a class with one or more other such series, may be taken
without a meeting, without prior notice and without a vote, to the extent expressly so provided by the applicable certificate of
designation relating to such series of Preferred Stock; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
any time when the SCG Holders beneficially own, in the aggregate, thirty-five percent (35%) or more of the voting power of the
stock of the Corporation entitled to vote generally in the election of directors, any action required or permitted to be taken
at any annual or special meeting of stockholders of the Corporation may be taken without a meeting, without prior notice and without
a vote, if a consent or consents in writing, setting forth the action so taken, shall be signed by the holders of outstanding stock
having not less than the minimum number of votes that would be necessary to authorize</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">or take such action at a meeting at which all shares entitled
to vote thereon were present and voted and shall be delivered to the Corporation by delivery to its registered office in the State
of Delaware, its principal place of business, or an officer or agent of the Corporation having custody of the books in which proceedings
of meetings of stockholders are recorded. Delivery made to the Corporation&#8217;s registered office shall be made by hand, or
by certified or registered mail, return receipt requested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Advance Notice</U>. Advance notice of stockholder nominations for the election of directors and of business to be brought by
stockholders before any meeting of the stockholders of the Corporation shall be given in the manner provided in the By Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 7.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Action
by Written Consent</U>. Except as may be otherwise provided for or fixed pursuant to this Second Amended and Restated Certificate
(including any Preferred Stock Designation) relating to the rights of the holders of any outstanding series of Preferred Stock,
subsequent to the consummation of the Offering and until the consummation of the initial Business Combination, any action required
or permitted to be taken by the stockholders of the Corporation must be effected by a duly called annual or special meeting of
such stockholders and may not be effected by written consent of the stockholders other than with respect to the Class B Common
Stock with respect to which action may be taken by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE VIII<BR>
LIMITED LIABILITY; INDEMNIFICATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 8.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Limitation of Director Liability</U>. A director of the Corporation shall not be personally liable to the Corporation or its
stockholders for any monetary damages for breach of fiduciary duty as a director, except to the extent such exemption from liability
or limitation thereof is not permitted under the DGCL as the same exists or may hereafter be amended unless a director violated
his or her duty of loyalty to the Corporation or its stockholders, acted in bad faith, knowingly or intentionally violated the
law, authorized unlawful payments of dividends, unlawful stock purchases or unlawful redemptions, or derived improper personal
benefit from his or her actions as a director. Any amendment, modification or repeal of the foregoing sentence shall not adversely
affect any right or protection of a director of the Corporation hereunder in respect of any act or omission occurring prior to
the time of such amendment, modification or repeal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 8.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification
and Advancement of Expenses</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the fullest extent permitted by applicable law, as the same exists or may hereafter be amended, the Corporation shall indemnify
and hold harmless each person who is or was made a party or is threatened to be made a party to or is otherwise involved in any
threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative (a &#8220;<B><I>proceeding</I></B>&#8221;)
by reason of the fact that he or she is or was a director or officer of the Corporation or, while a director or officer of the
Corporation, is or was serving at the request of the Corporation as a director, officer, employee or agent of another corporation
or of a partnership, joint venture, trust, other enterprise or nonprofit entity, including service with respect to an employee
benefit plan (an &#8220;<B><I>indemnitee</I></B>&#8221;), whether the basis of such proceeding is alleged action in an official
capacity as a director, officer, employee or agent, or in any other capacity while serving as a director, officer, employee or
agent, against all liability and loss suffered and expenses (including, without limitation, attorneys&#8217; fees, judgments, fines,
ERISA excise taxes and penalties and amounts paid in settlement) reasonably incurred by such indemnitee in connection with such
proceeding. The Corporation shall to the fullest extent not prohibited by applicable law pay the expenses (including attorneys&#8217;
fees) incurred by an indemnitee in defending or otherwise participating in any proceeding in advance of its final disposition;
provided, however, that, to the extent required by applicable law, such payment of expenses in advance of the final disposition
of the</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">proceeding shall be made only upon receipt of an undertaking,
by or on behalf of the indemnitee, to repay all amounts so advanced if it shall ultimately be determined that the indemnitee is
not entitled to be indemnified under this <U>Section 8.2 </U>or otherwise. The rights to indemnification and advancement of expenses
conferred by this <U>Section 8.2 </U>shall be contract rights and such rights shall continue as to an indemnitee who has ceased
to be a director, officer, employee or agent and shall inure to the benefit of his or her heirs, executors and administrators.
Notwithstanding the foregoing provisions of this <U>Section 8.2(a)</U>, except for proceedings to enforce rights to indemnification
and advancement of expenses, the Corporation shall indemnify and advance expenses to an indemnitee in connection with a proceeding
(or part thereof) initiated by such indemnitee only if such proceeding (or part thereof) was authorized by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
rights to indemnification and advancement of expenses conferred on any indemnitee by this <U>Section 8.2</U> shall not be exclusive
of any other rights that any indemnitee may have or hereafter acquire under law, this Second Amended and Restated Certificate,
the By Laws, an agreement, vote of stockholders or disinterested directors, or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
repeal or amendment of this <U>Section 8.2</U> by the stockholders of the Corporation or by changes in law, or the adoption of
any other provision of this Second Amended and Restated Certificate inconsistent with this <U>Section 8.2</U>, shall, unless otherwise
required by law, be prospective only (except to the extent such amendment or change in law permits the Corporation to provide broader
indemnification rights on a retroactive basis than permitted prior thereto), and shall not in any way diminish or adversely affect
any right or protection existing at the time of such repeal or amendment or adoption of such inconsistent provision in respect
of any proceeding (regardless of when such proceeding is first threatened, commenced or completed) arising out of, or related to,
any act or omission occurring prior to such repeal or amendment or adoption of such inconsistent provision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This <U>Section 8.2</U> shall not limit the right of the Corporation, to the extent and in the manner authorized or permitted by
law, to indemnify and to advance expenses to persons other than indemnitees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE IX</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>BUSINESS COMBINATION REQUIREMENTS; EXISTENCE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.1 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The provisions of this <I>Article IX </I>shall apply during the period commencing upon the effectiveness of this Second Amended
and Restated Certificate and terminating upon the consummation of the Corporation&#8217;s initial Business Combination and no amendment
to this <I>Article IX </I>shall be effective prior to the consummation of the initial Business Combination unless approved by the
affirmative vote of the holders of at least sixty-five percent (65%) of all then outstanding shares of the Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Immediately after the Offering, a certain amount of the net offering proceeds received by the Corporation in the Offering (including
the proceeds of any exercise of the underwriters&#8217; over-allotment option) and certain other amounts specified in the Corporation&#8217;s
registration statement on Form S-1, initially filed with the U.S. Securities and Exchange Commission (the &#8220;<B><I>SEC</I></B>&#8221;)
on August 26, 2020, as amended (the &#8220;<B><I>Registration Statement</I></B>&#8221;), shall be deposited in a trust account
(the &#8220;<B><I>Trust Account</I></B>&#8221;), established for the benefit of the Public Stockholders (as defined below) pursuant
to a trust agreement described in the Registration Statement. Except for the withdrawal of interest to pay taxes, none of the funds
held in the Trust Account (including the interest earned on the funds held in the Trust Account) will be released from the Trust
Account until the earliest to occur of (i) the completion of the initial Business Combination, (ii) the redemption of 100% of the
Offering Shares (as defined below) if the Corporation is</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">unable to complete its initial Business Combination within 24
months from the closing of the Offering and (iii) the redemption of shares in connection with a vote seeking to amend such provisions
of this Second Amended and Restated Certificate as described in <U>Section 9.7</U>. Holders of shares of Common Stock included
as part of the units sold in the Offering (the &#8220;<B><I>Offering Shares</I></B>&#8221;) (whether such Offering Shares were
purchased in the Offering or in the secondary market following the Offering and whether or not such holders are the Sponsor or
officers or directors of the Corporation, or affiliates of any of the foregoing) are referred to herein as &#8220;<B><I>Public
Stockholders.</I></B>&#8221;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Redemption Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the consummation of the initial Business Combination, the Corporation shall provide all holders of Offering Shares with the
opportunity to have their Offering Shares redeemed upon the consummation of the initial Business Combination pursuant to, and subject
to the limitations of, <U>Sections 9.2(b)</U> and <U>9.2(c)</U> hereof (such rights of such holders to have their Offering Shares
redeemed pursuant to such Sections, the &#8220;<B><I>Redemption Rights</I></B>&#8221;) for cash equal to the applicable redemption
price per share determined in accordance with <U>Section 9.2(b)</U> hereof (the &#8220;<B><I>Redemption Price</I></B>&#8221;);
provided, however, that the Corporation shall not redeem Offering Shares in an amount that would cause the Corporation to have
net tangible assets to be less than $5,000,001 (such limitation hereinafter called the &#8220;<B><I>Redemption Limitation</I></B>&#8221;).
Notwithstanding anything to the contrary contained in this Second Amended and Restated Certificate, there shall be no Redemption
Rights or liquidating distributions with respect to any warrant issued pursuant to the Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) If the Corporation offers to redeem
the Offering Shares other than in conjunction with a stockholder vote on an initial Business Combination with a proxy solicitation
pursuant to Regulation 14A of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;) (or any successor
rules or regulations) and filing proxy materials with the SEC, the Corporation shall offer to redeem the Offering Shares upon the
consummation of the initial Business Combination, subject to lawfully available funds therefor, in accordance with the provisions
of Section 9.2(a) hereof pursuant to a tender offer in accordance with Rule 13e-4 and Regulation 14E of the Exchange Act (or any
successor rule or regulation) (such rules and regulations hereinafter called the &#8220;Tender Offer Rules&#8221;) which it shall
commence prior to the consummation of the initial Business Combination and shall file tender offer documents with the SEC prior
to the consummation of the initial Business Combination that contain substantially the same financial and other information about
the initial Business Combination and the Redemption Rights as is required under Regulation 14A of the Exchange Act (or any successor
rule or regulation) (such rules and regulations hereinafter called the &#8220;Proxy Solicitation Rules&#8221;), even if such information
is not required under the Tender Offer Rules; provided, however, that if a stockholder vote is required by law to approve the proposed
initial Business Combination, or the Corporation decides to submit the proposed initial Business Combination to the stockholders
for their approval for business or other legal reasons, the Corporation shall offer to redeem the Offering Shares, subject to lawfully
available funds therefor, in accordance with the provisions of Section 9.2(a) hereof in conjunction with a proxy solicitation pursuant
to the Proxy Solicitation Rules (and not the Tender Offer Rules) at a price per share equal to the Redemption Price calculated
in accordance with the following provisions of this Section 9.2(b). In the event that the Corporation offers to redeem the Offering
Shares pursuant to a tender offer in accordance with the Tender Offer Rules, the Redemption Price per share of the Common Stock
payable to holders of the Offering Shares tendering their Offering Shares pursuant to such tender offer shall be equal to the quotient
obtained by dividing: (i) the aggregate amount on deposit in the Trust Account as of two business days prior to the consummation
of the initial Business Combination, including interest earned on the funds held in the Trust Account (which interest shall be
net of taxes payable), by (ii) the total number of then outstanding Offering Shares. If the Corporation offers to redeem the Offering
Shares in conjunction with a stockholder vote on the proposed initial Business Combination pursuant to a proxy solicitation, the
Redemption Price per share of the Common Stock payable to holders of the Offering</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Shares exercising their Redemption Rights (irrespective of whether
they voted in favor or against the Business Combination) shall be equal to the quotient obtained by dividing: (x) the aggregate
amount on deposit in the Trust Account as of two business days prior to the consummation of the initial Business Combination, including
interest earned on the funds held in the Trust Account (which interest shall be net of taxes payable), by (y) the total number
of then outstanding Offering Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c) If the Corporation offers to redeem
the Offering Shares in conjunction with a stockholder vote on an initial Business Combination pursuant to a proxy solicitation,
a Public Stockholder, together with any affiliate of such stockholder or any other person with whom such stockholder is acting
in concert or as a &#8220;group&#8221; (as defined under Section 13(d)(3) of the Exchange Act), shall be restricted from seeking
Redemption Rights with respect to more than an aggregate of 15% of the Offering Shares without the prior consent of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d) In the event that the Corporation has
not consummated an initial Business Combination within 24 months from the closing of the Offering, the Corporation shall (i) cease
all operations except for the purpose of winding up, (ii) as promptly as reasonably possible but not more than ten business days
thereafter subject to lawfully available funds therefor, redeem 100% of the Offering Shares in consideration of a per-share price,
payable in cash, equal to the quotient obtained by dividing (A) the aggregate amount then on deposit in the Trust Account, including
interest earned on the funds held in the Trust Account (which interest shall be net of taxes payable and up to $100,000 of interest
to pay dissolution expenses), by (B) the total number of then outstanding Offering Shares, which redemption will completely extinguish
rights of the Public Stockholders (including the right to receive further liquidating distributions, if any), subject to applicable
law, and (iii) as promptly as reasonably possible following such redemption, subject to the approval of the remaining stockholders
and the Board in accordance with applicable law, dissolve and liquidate, subject in each case to the Corporation&#8217;s obligations
under the DGCL to provide for claims of creditors and other requirements of applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If the Corporation offers to redeem the Offering Shares in conjunction with a stockholder vote on an initial Business Combination,
the Corporation shall consummate the proposed initial Business Combination only if (i) such initial Business Combination is approved
by the affirmative vote of the holders of a majority of the shares of the Common Stock that are voted at a stockholder meeting
held to consider such initial Business Combination and (ii) the Redemption Limitation is not exceeded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
If the Corporation conducts a tender offer pursuant to <U>Section 9.2(b)</U>, the Corporation shall consummate the proposed initial
Business Combination only if the Redemption Limitation is not exceeded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Distributions
from the Trust Account</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
A Public Stockholder shall be entitled to receive funds from the Trust Account only as provided in <U>Sections 9.2(a)</U>, <U>9.2(b)</U>,
<U>9.2(d)</U> or <U>9.7</U> hereof. In no other circumstances shall a Public Stockholder have any right or interest of any kind
in or to distributions from the Trust Account, and no stockholder other than a Public Stockholder shall have any interest in or
to the Trust Account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Each Public Stockholder that does not exercise its Redemption Rights shall retain its interest in the Corporation and shall be
deemed to have given its consent to the release of the remaining funds in the Trust Account to the Corporation, and following payment
to any Public Stockholders exercising their Redemption Rights, the remaining funds in the Trust Account shall be released to the
Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The exercise by a Public Stockholder of the Redemption Rights shall be conditioned on such Public Stockholder following the specific
procedures for redemptions set forth by the Corporation in any applicable tender offer or proxy materials sent to the Public Stockholders
relating to the proposed initial Business Combination. Payment of the amounts necessary to satisfy the Redemption Rights properly
exercised shall be made as promptly as practical after the consummation of the initial Business Combination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.4 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Share
Issuances</U>. Prior to the consummation of the Corporation&#8217;s initial Business Combination, the Corporation shall not issue
any additional shares of capital stock of the Corporation that would entitle the holders thereof to receive funds from the Trust
Account or vote as a class with the Class A Common Stock on any initial Business Combination, on any pre-Business Combination activity
or on any amendment to this <I>Article IX</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.5 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Transactions
with Affiliates</U>. In the event the Corporation enters into an initial Business Combination with a target business that is affiliated
with the Sponsor, or the directors or officers of the Corporation, the Corporation, or a committee of the independent directors
of the Corporation, shall obtain an opinion from an independent investment banking firm that is a member of the Financial Industry
Regulatory Authority or a valuation or appraisal firm that such Business Combination is fair to the Corporation from a financial
point of view.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>No Transactions with Other Blank Check Companies</U>. The Corporation shall not enter into an initial Business Combination with
another blank check company or a similar company with nominal operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.7 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Additional
Redemption Rights</U>. If, in accordance with <U>Section 9.1(a)</U>, any amendment is made to this Second Amended and Restated
Certificate (a) to modify the substance or timing of the Corporation&#8217;s obligation to redeem 100% of the Offering Shares if
the Corporation has not consummated an initial Business Combination within 24 months from the date of the closing of the Offering
or (b) with respect to any other material provisions of this Second Amended and Restated Certificate relating to stockholders&#8217;
rights or pre-initial Business Combination activity, the Public Stockholders shall be provided with the opportunity to redeem their
Offering Shares upon the approval of any such amendment, at a per-share price, payable in cash, equal to the aggregate amount then
on deposit in the Trust Account, including interest earned on the funds held in the Trust Account (which interest shall be net
of taxes payable), divided by the number of then outstanding Offering Shares; provided, however, that any such amendment will be
voided, and this Article IX will remain unchanged, if any stockholders who wish to redeem are unable to redeem due to the Redemption
Limitation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 9.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Minimum Value of Initial Business Combination</U>. The Corporation&#8217;s initial Business Combination must be comprised of
one or more Business Combinations having an aggregate fair market value of at least 80% of the value of the assets held in the
Trust Account (excluding any deferred underwriting commissions) at the time the Corporation signs a definitive agreement in connection
with the initial Business Combination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE X<BR>
DGCL SECTION 203 AND BUSINESS COMBINATIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 10.1.&#9;<U>DGCL Section 203</U>.
Effective immediately following the closing of the initial Business Combination, the Corporation hereby expressly elects not to
be governed by Section 203 of the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 10.2.&#9;<U>Business Combinations</U>.
Notwithstanding the foregoing, effective immediately following the closing of the initial Business Combination, the Corporation
shall not engage in any business combination (as defined below), at any point in time at which the Corporation&#8217;s Common Stock
is registered under Section 12(b) or 12(g) of the Exchange Act, with any interested stockholder (as defined below) for a period
of three (3) years following the time that such stockholder became an interested stockholder, unless:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(a)&#9;prior to such time, the Board
approved either the business combination or the transaction that resulted in the stockholder becoming an interested stockholder,
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(b)&#9;upon consummation of the transaction
that resulted in the stockholder becoming an interested stockholder, the interested stockholder owned at least eighty-five percent
(85%) of the voting stock (as defined below) of the Corporation outstanding at the time the transaction commenced, excluding for
purposes of determining the voting stock outstanding (but not the outstanding voting stock owned by the interested stockholder)
those shares owned by (i) persons who are directors and also officers and (ii) employee stock plans in which employee participants
do not have the right to determine confidentially whether shares held subject to the plan will be tendered in a tender or exchange
offer, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(c)&#9;at or subsequent to such time,
the business combination is approved by the Board and authorized at an annual or special meeting of stockholders, and not by written
consent, by the affirmative vote of at least sixty-six and two-thirds percent (66 2/3%) of the outstanding voting stock of the
Corporation that is not owned by the interested stockholder, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(d)&#9;the stockholder became an interested
stockholder inadvertently and (i) as soon as practicable divested itself of ownership of sufficient shares so that the stockholder
ceased to be an interested stockholder and (ii) was not, at any time within the three-year period immediately prior to a business
combination between the Corporation and such stockholder, an interested stockholder but for the inadvertent acquisition of ownership.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 10.3. &#9;<U>Definitions</U>. For
purposes of this <I>Article X</I>, references to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(a)&#9;&#8220;<B><I>affiliate</I></B>&#8221;
means a person that directly, or indirectly through one or more intermediaries, controls, or is controlled by, or is under common
control with, another person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(b)&#9;&#8220;<B><I>associate</I></B>,&#8221;
when used to indicate a relationship with any person, means: (i) any corporation, partnership, unincorporated association or other
entity of which such person is a director, officer or partner or is, directly or indirectly, the owner of twenty percent (20%)
or more of any class of voting stock; (ii) any trust or other estate in which such person has at least a twenty percent (20%) beneficial
interest or as to which such person serves as trustee or in a similar fiduciary capacity; and (iii) any relative or spouse of such
person, or any relative of such spouse, who has the same residence as such person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(c)&#9;&#8220;<B><I>SCG</I></B>&#8221;
means any affiliates of Schwartz Capital Group, together with its affiliates, subsidiaries, successors and assigns (other than
the Corporation and its subsidiaries).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(d)&#9;&#8220;<B><I>SCG Direct Transferee</I></B>&#8221;
means any person that acquires (other than in a registered public offering) directly from SCG or any of its successors or any &#8220;group&#8221;,
or any member of any such group, of which such persons are a party under Rule 13d-5 of the Exchange Act beneficial ownership of
fifteen percent (15%) or more of the then outstanding voting stock of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(e)&#9;&#8220;<B><I>business combination</I></B>,&#8221;
when used in reference to the Corporation and any interested stockholder of the Corporation, means:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&#9;(i)&#9;any merger or consolidation
of the Corporation or any direct or indirect majority-owned subsidiary of the Corporation (a) with the interested stockholder,
or (b) with any other corporation, partnership, unincorporated association or other entity if the merger or consolidation is caused
by the interested stockholder and as a result of such merger or consolidation Section (B) of this <I>Article X </I>is not applicable
to the surviving entity;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&#9;(ii)&#9;any sale, lease, exchange,
mortgage, pledge, transfer or other disposition (in one transaction or a series of transactions), except proportionately as a stockholder
of the Corporation, to or with the interested stockholder, whether as part of a dissolution or otherwise, of assets of the Corporation
or of any direct or indirect majority-owned subsidiary of the Corporation which assets have an aggregate market value equal to
ten percent (10%) or more of either the aggregate market value of all the assets of the Corporation determined on a consolidated
basis or the aggregate market value of all the outstanding stock of the Corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&#9;(iii)&#9;any transaction that results
in the issuance or transfer by the Corporation or by any direct or indirect majority-owned subsidiary of the Corporation of any
stock of the Corporation or of such subsidiary to the interested stockholder, except: (a) pursuant to the exercise, exchange or
conversion of securities exercisable for, exchangeable for or convertible into stock of the Corporation or any such subsidiary
which securities were outstanding prior to or at the time that the interested stockholder became such, including without limitation,
the conversion of all then-outstanding shares of the Corporation&#8217;s Class B common stock into shares of Class A Common Stock
on a one-for-one basis in connection with the consummation of the Initial Business Combination; (b) pursuant to a merger under
Section 251(g) of the DGCL; (c) pursuant to a dividend or distribution paid or made, or the exercise, exchange or conversion of
securities exercisable for, exchangeable for or convertible into stock of the Corporation or any such subsidiary which security
is distributed, pro rata to all holders of a class or series of stock of the Corporation subsequent to the time the interested
stockholder became such; (d) pursuant to an exchange offer by the Corporation to purchase stock made on the same terms to all holders
of said stock; or (e) any issuance or transfer of stock by the Corporation; provided, however, that in no case under items (c)-(e)
of this subsection (iii) shall there be an increase in the interested stockholder&#8217;s proportionate share of the stock of any
class or series of the Corporation or of the voting stock of the Corporation (except as a result of immaterial changes due to fractional
share adjustments);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&#9;(iv)&#9;any transaction involving
the Corporation or any direct or indirect majority-owned subsidiary of the Corporation that has the effect, directly or indirectly,
of increasing the proportionate share of the stock of any class or series, or securities convertible into the stock of any class
or series, of the Corporation or of any such subsidiary that is owned by the interested stockholder, except as a result of immaterial
changes due to fractional share adjustments or as a result of any purchase or redemption of any shares of stock not caused, directly
or indirectly, by the interested stockholder; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&#9;(v)&#9;any receipt by the interested
stockholder of the benefit, directly or indirectly (except proportionately as a stockholder of the Corporation), of any loans,
advances, guarantees, pledges, or other financial benefits (other than those expressly permitted in subsections (i)-(iv) above)
provided by or through the Corporation or any direct or indirect majority-owned subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(f)&#9;&#8220;<B><I>control</I></B>,&#8221;
including the terms &#8220;<B><I>controlling</I></B>,&#8221; &#8220;<B><I>controlled by</I></B>&#8221; and &#8220;<B><I>under common
control with</I></B>,&#8221; means the possession, directly or indirectly, of the power to direct or cause the direction of the
management and policies of a person, whether through the ownership of voting stock, by contract, or otherwise. A person who is
the owner of twenty percent (20%) or more of the outstanding</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">voting stock of the Corporation, partnership, unincorporated
association or other entity shall be presumed to have control of such entity, in the absence of proof by a preponderance of the
evidence to the contrary. Notwithstanding the foregoing, a presumption of control shall not apply where such person holds voting
stock, in good faith and not for the purpose of circumventing this <I>Article X</I>, as an agent, bank, broker, nominee, custodian
or trustee for one or more owners who do not individually or as a group have control of such entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(g)&#9;&#8220;<B><I>interested stockholder</I></B>&#8221;
means any person (other than the Corporation or any direct or indirect majority-owned subsidiary of the Corporation) that (i) is
the owner of fifteen percent (15%) or more of the outstanding voting stock of the Corporation, (ii) is an affiliate or associate
of the Corporation and was the owner of fifteen percent (15%) or more of the outstanding voting stock of the Corporation at any
time within the three (3) year period immediately prior to the date on which it is sought to be determined whether such person
is an interested stockholder or (iii) the affiliates and associates of any such person described in clauses (i) and (ii); provided,
however, that &#8220;interested stockholder&#8221; shall not include (a) SCG, any SCG Direct Transferee, any SCG Holder or any
of their respective affiliates or successors or any &#8220;group&#8221;, or any member of any such group, to which such persons
are a party under Rule 13d-5 of the Exchange Act, or (b) any person whose ownership of shares in excess of the fifteen percent
(15%) limitation set forth herein is the result of any action taken solely by the Corporation; provided, that such person specified
in this clause (b) shall be an interested stockholder if thereafter such person acquires additional shares of voting stock of the
Corporation, except as a result of (x) further corporate action not caused, directly or indirectly, by such person or (y) an acquisition
of a de minimis number of such additional shares. For the purpose of determining whether a person is an interested stockholder,
the voting stock of the Corporation deemed to be outstanding shall include stock deemed to be owned by the person through application
of the definition of &#8220;owner&#8221; below but shall not include any other unissued stock of the Corporation that may be issuable
pursuant to any agreement, arrangement or understanding, or upon exercise of conversion rights, warrants or options, or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(h)&#9;&#8220;<B><I>owner</I></B>,&#8221;
including the terms &#8220;<B><I>own</I></B>&#8221; and &#8220;<B><I>owned</I></B>,&#8221; when used with respect to any stock,
means a person that individually or with or through any of its affiliates or associates:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&#9;(i)&#9;beneficially owns such stock,
directly or indirectly; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&#9;(ii)&#9;has (a) the right to acquire
such stock (whether such right is exercisable immediately or only after the passage of time) pursuant to any agreement, arrangement
or understanding, or upon the exercise of conversion rights, exchange rights, warrants or options, or otherwise; provided, however,
that a person shall not be deemed the owner of stock tendered pursuant to a tender or exchange offer made by such person or any
of such person&#8217;s affiliates or associates until such tendered stock is accepted for purchase or exchange; or (b) the right
to vote such stock pursuant to any agreement, arrangement or understanding; provided, however, that a person shall not be deemed
the owner of any stock because of such person&#8217;s right to vote such stock if the agreement, arrangement or understanding to
vote such stock arises solely from a revocable proxy or consent given in response to a proxy or consent solicitation made to ten
(10) or more persons; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;&#9;(iii)&#9;has any agreement, arrangement
or understanding for the purpose of acquiring, holding, voting (except voting pursuant to a revocable proxy or consent as described
in item (b) of subsection (ii) above), or disposing of such stock with any other person that beneficially owns, or whose affiliates
or associates beneficially own, directly or indirectly, such stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(i)&#9;&#8220;<B><I>person</I></B>&#8221;
means any individual, corporation, partnership, unincorporated association or other entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#9;(j)&#9;&#8220;<B><I>stock</I></B>&#8221;
means, with respect to any corporation, capital stock and, with respect to any other entity, any equity interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#8220;<B><I>voting
stock</I></B>&#8221; means stock of any class or series entitled to vote generally in the election of directors and, with respect
to any entity that is not a corporation, any equity interest entitled to vote generally in the election of the governing body of
such entity. Every reference in this <I>Article X</I> to a percentage of voting stock shall refer to such percentage of the votes
of such voting stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE XI<BR>
CORPORATE OPPORTUNITY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">To the extent allowed by law, the doctrine
of corporate opportunity, or any other analogous doctrine, shall not apply with respect to the Corporation or any of its officers
or directors, or any of their respective affiliates, in circumstances where the application of any such doctrine would conflict
with any fiduciary duties or contractual obligations they may have as of the date of this Second Amended and Restated Certificate
or in the future, and the Corporation renounces any expectancy that any of the directors or officers of the Corporation will offer
any such corporate opportunity of which he or she may become aware to the Corporation, except, the doctrine of corporate opportunity
shall apply with respect to any of the directors or officers of the Corporation with respect to a corporate opportunity that was
offered to such person solely in his or her capacity as a director or officer of the Corporation and (i) such opportunity is one
the Corporation is legally and contractually permitted to undertake and would otherwise be reasonable for the Corporation to pursue
and (ii) the director or officer is permitted to refer that opportunity to the Corporation without violating any legal obligation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE XII<BR>
AMENDMENT OF SECOND AMENDED AND RESTATED CERTIFICATE OF INCORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Corporation reserves the right at any
time and from time to time to amend, alter, change or repeal any provision contained in this Second Amended and Restated Certificate
(including any Preferred Stock Designation), and other provisions authorized by the laws of the State of Delaware at the time in
force that may be added or inserted, in the manner now or hereafter prescribed by this Second Amended and Restated Certificate
and the DGCL; and, except as set forth in <I>Article VIII</I>, all rights, preferences and privileges of whatever nature herein
conferred upon stockholders, directors or any other persons by and pursuant to this Second Amended and Restated Certificate in
its present form or as hereafter amended are granted subject to the right reserved in this <I>Article XII</I>; <U>provided</U>,
<U>however</U>, that <I>Article IX </I>of this Second Amended and Restated Certificate may be amended only as provided therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE XIII<BR>
EXCLUSIVE FORUM FOR CERTAIN LAWSUITS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 13.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Forum</U>. Unless the Corporation consents in writing to the selection of an alternative forum, the Court of Chancery of the
State of Delaware (the &#8220;<B><I>Court of Chancery</I></B>&#8221;) shall be the sole and exclusive forum for any stockholder
(including a beneficial owner) to bring (i) any derivative action or proceeding brought on behalf of the Corporation, (ii) any
action asserting a claim of breach of a fiduciary duty owed by any director, officer or other employee of the Corporation to the
Corporation or the Corporation&#8217;s stockholders, (iii) any action asserting a claim against the Corporation, its directors,
officers or employees arising pursuant to any provision of the DGCL or this Second Amended and Restated Certificate or the By Laws,
or (iv) any action asserting a claim against the Corporation, its directors, officers or employees governed by the internal affairs
doctrine and, if brought outside of Delaware, the stockholder bringing the suit will be deemed to have consented to service of
process on</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">such stockholder&#8217;s counsel, except for, as to each of
(i) through (iv) above, any claim (A) as to which the Court of Chancery determines that there is an indispensable party not subject
to the jurisdiction of the Court of Chancery (and the indispensable party does not consent to the personal jurisdiction of the
Court of Chancery within ten days following such determination), (B) which is vested in the exclusive jurisdiction of a court or
forum other than the Court of Chancery, (C) for which the Court of Chancery does not have subject matter jurisdiction, or (D) any
action arising under the Securities Act of 1933, as amended, as to which the Court of Chancery and the federal district court for
the District of Delaware shall have concurrent jurisdiction. Notwithstanding the foregoing, the provisions of this <U>Section 13.1</U>
will not apply to suits brought to enforce a duty or liability created by the Exchange Act or any other claim for which the federal
courts have exclusive jurisdiction. Any person or entity purchasing or otherwise acquiring any interest in any security of the
Corporation shall be deemed to have notice of and consented to the provisions of this <U>Section 13.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 13.2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consent
to Jurisdiction</U>. If any action the subject matter of which is within the scope of Section 13.1 immediately above is filed in
a court other than a court located within the State of Delaware (a &#8220;<B><I>Foreign Action</I></B>&#8221;) in the name of any
stockholder, such stockholder shall be deemed to have consented to (i) the personal jurisdiction of the state and federal courts
located within the State of Delaware in connection with any action brought in any such court to enforce Section 13.1 immediately
above (an &#8220;<B><I>FSC Enforcement Action</I></B>&#8221;) and (ii) having service of process made upon such stockholder in
any such FSC Enforcement Action by service upon such stockholder&#8217;s counsel in the Foreign Action as agent for such stockholder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Section 13.3 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.
If any provision or provisions of this <I>Article XIII </I>shall be held to be invalid, illegal or unenforceable as applied to
any person or entity or circumstance for any reason whatsoever, then, to the fullest extent permitted by law, the validity, legality
and enforceability of such provisions in any other circumstance and of the remaining provisions of this <I>Article XIII </I>(including,
without limitation, each portion of any sentence of this <I>Article XIII </I>containing any such provision held to be invalid,
illegal or unenforceable that is not itself held to be invalid, illegal or unenforceable) and the application of such provision
to other persons or entities and circumstances shall not in any way be affected or impaired thereby. Any person or entity purchasing
or otherwise acquiring any interest in shares of capital stock of the Corporation shall be deemed to have notice of and consented
to the provisions of this <I>Article XIII</I>.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page Follows</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">IN WITNESS WHEREOF, the Corporation has
caused this Second Amended and Restated Certificate to be duly executed and acknowledged in its name and on its behalf by an authorized
officer as of the date first set forth above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>OPPFI, INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 3%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="width: 47%; border-bottom: black 1pt solid; padding-bottom: 0.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 0.25pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Title:</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Second Amended and
Restated Certificate of Incorporation</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="text-align: right; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>EXHIBIT B</B></P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMENDED AND RESTATED BYLAWS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>OPPFI,
INC.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>(THE
 &#8220;CORPORATION&#8221;)</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE I</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OFFICES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;1.1.
Registered Office</B>. The registered office of the Corporation within the State of Delaware shall be located at either (a)&nbsp;the
principal place of business of the Corporation in the State of Delaware or (b)&nbsp;the office of the corporation or individual
acting as the Corporation&#8217;s registered agent in Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;1.2.
Additional Offices</B>. The Corporation may, in addition to its registered office in the State of Delaware, have such other offices
and places of business, both within and outside the State of Delaware, as the Board of Directors of the Corporation (the &#8220;<B><I>Board</I></B>&#8221;)
may from time to time determine or as the business and affairs of the Corporation may require.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE II</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STOCKHOLDERS MEETINGS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;2.1.
Annual Meetings</B>. The annual meeting of stockholders shall be held at such place, either within or without the State of Delaware,
and time and on such date as shall be determined by the Board and stated in the notice of the meeting, provided that the Board
may in its sole discretion determine that the meeting shall not be held at any place, but may instead be held solely by means of
remote communication pursuant to&nbsp;<U>Section&nbsp;9.5(a)</U>. At each annual meeting, the stockholders entitled to vote on
such matters shall elect those directors of the Corporation to fill any term of a directorship that expires on the date of such
annual meeting and may transact any other business as may properly be brought before the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;2.2.
Special Meetings</B>. Subject to the rights of the holders of any outstanding series of the preferred stock of the Corporation
(&#8220;<B><I>Preferred Stock</I></B>&#8221;), and to the requirements of applicable law, special meetings of stockholders, for
any purpose or purposes, may be called only (i) by the Chairman of the Board, (ii) the Chief Executive Officer, (iii) by the Board
pursuant to a resolution adopted by a majority of the Board, or (iv) at any time when the SCG Holders (as defined in that certain
Investor Rights Agreement, dated as of [&#9679;], 2021, by and among the Corporation, the SCG Holders, and any other parties thereto
from time to time (as the same may be amended, supplemented, restated or otherwise modified from time to time) beneficially own,
in the aggregate, thirty-five percent (35%) or more of the voting power of all outstanding shares of capital stock of the Corporation
entitled to vote generally in the election of directors, by a person representing such SCG Holder who holds, or such SCG Holders
who collectively hold, a majority of the shares of capital stock of the Corporation beneficially owned by the SCG Holders (the
 &#8220;<B><I>SCG Representative</I></B>&#8221;) and may not be called by any other person or persons. Special meetings of stockholders
shall be held at such place, either within or without the State of Delaware, and at such time and on such date as shall be determined
by the Board and stated in the Corporation&#8217;s notice of the meeting; <I>provided, </I>that the date of any special meeting
of stockholders called pursuant to clause (iv) above shall be not later than ninety (90) days after being called by the SCG Representative;
<I>provided, further, </I>that the Board may in its sole discretion determine that the meeting shall not be held at any place,
but may instead be held solely by means of remote communication pursuant to&nbsp;<U>Section&nbsp;9.5(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;2.3.
Notices.</B> Written notice of each stockholders meeting stating the place, if any, date, and time of the meeting, and the means
of remote communication, if any, by which stockholders and proxy holders may be deemed to be present in person and vote at such
meeting and the record date for determining the stockholders entitled to vote at the meeting, if such date is different from the
record date for determining stockholders entitled to notice of the meeting, shall be given in the manner permitted by&nbsp;<U>Section&nbsp;9.3</U>&nbsp;to
each stockholder entitled to vote thereat as of the record date for determining the stockholders entitled to notice of the meeting,
by the Corporation</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">not less than 10 nor more than 60&nbsp;days
before the date of the meeting unless otherwise required by the General Corporation Law of the State of Delaware (the &#8220;<B><I>DGCL</I></B>&#8221;).
If said notice is for a stockholders meeting other than an annual meeting, it shall in addition state the purpose or purposes for
which the meeting is called, and the business transacted at such meeting shall be limited to the matters so stated in the Corporation&#8217;s
notice of meeting (or any supplement thereto). Any meeting of stockholders as to which notice has been given may be postponed,
and any meeting of stockholders as to which notice has been given may be cancelled, by the Board upon public announcement (as defined
in&nbsp;<U>Section&nbsp;2.7(c)</U>) given before the date previously scheduled for such meeting; provided, however, any meeting
of stockholders called by the SCG Representative pursuant to <U>Section 2.2</U> may only be postponed or cancelled with the consent
of the SCG Representative (which consent shall not be unreasonably withheld, conditioned or delayed).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;2.4.
Quorum</B>. Except as otherwise provided by applicable law, the Corporation&#8217;s certificate of incorporation or these bylaws,
the presence, in person or by proxy, at a stockholders meeting of the holders of shares of outstanding capital stock of the Corporation
representing a majority of the voting power of all outstanding shares of capital stock of the Corporation entitled to vote at such
meeting shall constitute a quorum for the transaction of business at such meeting, except that when specified business is to be
voted on by a class or series of stock voting as a class, the holders of shares representing a majority of the voting power of
the outstanding shares of such class or series shall constitute a quorum of such class or series for the transaction of such business.
If a quorum shall not be present or represented by proxy at any meeting of the stockholders of the Corporation, the chairman of
the meeting may adjourn the meeting from time to time in the manner provided in&nbsp;<U>Section&nbsp;2.6</U>&nbsp;until a quorum
shall attend. The stockholders present at a duly convened meeting may continue to transact business until adjournment, notwithstanding
the withdrawal of enough stockholders to leave less than a quorum. Shares of its own stock belonging to the Corporation or to another
corporation, if a majority of the voting power of the shares entitled to vote in the election of directors of such other corporation
is held, directly or indirectly, by the Corporation, shall neither be entitled to vote nor be counted for quorum purposes; provided,
however, that the foregoing shall not limit the right of the Corporation or any such other corporation to vote shares held by it
in a fiduciary capacity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Section&nbsp;2.5. Voting of Shares</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;<U>Voting Lists</U>.
The Secretary of the Corporation (the &#8220;<B><I>Secretary</I></B>&#8221;) shall prepare, or shall cause the officer or agent
who has charge of the stock ledger of the Corporation to prepare and make, at least 10 days before every meeting of stockholders,
a complete list of the stockholders of record entitled to vote at such meeting; provided, however, that if the record date for
determining the stockholders entitled to vote is less than 10 days before the meeting date, the list shall reflect the stockholders
entitled to vote as of the tenth day before the meeting date, arranged in alphabetical order and showing the address and the number
and class of shares registered in the name of each stockholder. Nothing contained in this&nbsp;<U>Section&nbsp;2.5(a)</U>&nbsp;shall
require the Corporation to include electronic mail addresses or other electronic contact information on such list. Such list shall
be open to the examination of any stockholder, for any purpose germane to the meeting, during ordinary business hours for a period
of at least 10&nbsp;days prior to the meeting: (i)&nbsp;on a reasonably accessible electronic network, provided that the information
required to gain access to such list is provided with the notice of the meeting, or (ii)&nbsp;during ordinary business hours, at
the principal place of business of the Corporation. In the event that the Corporation determines to make the list available on
an electronic network, the Corporation may take reasonable steps to ensure that such information is available only to stockholders
of the Corporation. If the meeting is to be held at a place, then the list shall be produced and kept at the time and place of
the meeting during the whole time thereof, and may be inspected by any stockholder who is present. If a meeting of stockholders
is to be held solely by means of remote communication as permitted by <U>Section&nbsp;9.5(a)</U>, the list shall be open to the
examination of any stockholder during the whole time of the meeting on a reasonably accessible electronic network, and the information
required to access such list shall be provided with the notice of meeting. The stock ledger shall be the only evidence as to who
are the stockholders entitled to examine the list required by this&nbsp;<U>Section&nbsp;2.5(a)</U>&nbsp;or to vote in person or
by proxy at any meeting of stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;<U>Manner of
Voting</U>. At any stockholders meeting, every stockholder entitled to vote may vote in person or by proxy. If authorized by the
Board, the voting by stockholders or proxy holders at any meeting conducted by remote communication may be effected by a ballot
submitted by electronic transmission (as defined in&nbsp;<U>Section&nbsp;9.3</U>), provided that any such electronic transmission
must either set forth or be submitted with information</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">from which the Corporation can determine
that the electronic transmission was authorized by the stockholder or proxy holder. The Board, in its discretion, or the chairman
of the meeting of stockholders, in such person&#8217;s discretion, may require that any votes cast at such meeting shall be cast
by written ballot.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;<U>Proxies</U>.
Each stockholder entitled to vote at a meeting of stockholders or to express consent or dissent to corporate action in writing
without a meeting may authorize another person or persons to act for such stockholder by proxy, but no such proxy shall be voted
or acted upon after three years from its date, unless the proxy provides for a longer period. Proxies need not be filed with the
Secretary until the meeting is called to order, but shall be filed with the Secretary before being voted. Without limiting the
manner in which a stockholder may authorize another person or persons to act for such stockholder as proxy, either of the following
shall constitute a valid means by which a stockholder may grant such authority. No stockholder shall have cumulative voting rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i) A stockholder may
execute a writing authorizing another person or persons to act for such stockholder as proxy. Execution may be accomplished by
the stockholder or such stockholder&#8217;s authorized officer, director, employee or agent signing such writing or causing such
person&#8217;s signature to be affixed to such writing by any reasonable means, including, but not limited to, by facsimile signature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii) A stockholder
may authorize another person or persons to act for such stockholder as proxy by transmitting or authorizing the transmission of
an electronic transmission to the person who will be the holder of the proxy or to a proxy solicitation firm, proxy support service
organization or like agent duly authorized by the person who will be the holder of the proxy to receive such transmission, provided
that any such electronic transmission must either set forth or be submitted with information from which it can be determined that
the electronic transmission was authorized by the stockholder. Any copy, facsimile telecommunication or other reliable reproduction
of the writing or transmission authorizing another person or persons to act as proxy for a stockholder may be substituted or used
in lieu of the original writing or transmission for any and all purposes for which the original writing or transmission could be
used; provided that such copy, facsimile telecommunication or other reproduction shall be a complete reproduction of the entire
original writing or transmission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;<U>Required
Vote</U>. Subject to the rights of the holders of one or more series of Preferred Stock, voting separately by class or series,
to elect directors pursuant to the terms of one or more series of Preferred Stock, at all meetings of stockholders at which a quorum
is present, the election of directors shall be determined by a plurality of the votes cast by the stockholders present in person
or represented by proxy at the meeting and entitled to vote thereon. All other matters presented to the stockholders at a meeting
at which a quorum is present shall be determined by the vote of a majority of the votes cast by the stockholders present in person
or represented by proxy at the meeting and entitled to vote thereon, unless the matter is one upon which, by applicable law, the
Certificate of Incorporation, these Bylaws or applicable stock exchange rules, a different vote is required, in which case such
provision shall govern and control the decision of such matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;<U>Inspectors
of Election</U>. The Board may, and shall if required by law, in advance of any meeting of stockholders, appoint one or more persons
as inspectors of election, who may be employees of the Corporation or otherwise serve the Corporation in other capacities, to act
at such meeting of stockholders or any adjournment thereof and to make a written report thereof. The Board may appoint one or more
persons as alternate inspectors to replace any inspector who fails to act. If no inspectors of election or alternates are appointed
by the Board, the chairman of the meeting shall appoint one or more inspectors to act at the meeting. Each inspector, before discharging
his or her duties, shall take and sign an oath faithfully to execute the duties of inspector with strict impartiality and according
to the best of his or her ability. The inspectors shall ascertain and report the number of outstanding shares and the voting power
of each; determine the number of shares present in person or represented by proxy at the meeting and the validity of proxies and
ballots; count all votes and ballots and report the results; determine and retain for a reasonable period a record of the disposition
of any challenges made to any determination by the inspectors; and certify their determination of the number of shares represented
at the meeting and their count of all votes and ballots. No person who is a candidate for an office at an election may serve as
an inspector at such election. Each report of an inspector shall be in writing and signed by the inspector or by a majority of
them if there is more than one inspector acting at such meeting. If there is more than one inspector, the report of a majority
shall be the report of the inspectors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;2.6.
Adjournments</B>. Any meeting of stockholders, annual or special, may be adjourned by the chairman of the meeting, from time to
time, whether or not there is a quorum, to reconvene at the same or some other place; provided, however, any meeting of stockholders
called by the SCG Representative pursuant to <U>Section 2.2</U> may not be adjourned without the consent of the SCG Representative.
Notice need not be given of any such adjourned meeting if the date, time, and place, if any, thereof, and the means of remote communication,
if any, by which stockholders and proxy holders may be deemed to be present in person and vote at such adjourned meeting are announced
at the meeting at which the adjournment is taken. At the adjourned meeting the stockholders, or the holders of any class or series
of stock entitled to vote separately as a class, as the case may be, may transact any business that might have been transacted
at the original meeting. If the adjournment is for more than 30&nbsp;days, notice of the adjourned meeting shall be given to each
stockholder of record entitled to vote at the meeting. If after the adjournment a new record date for stockholders entitled to
vote is fixed for the adjourned meeting, the Board shall fix a new record date for notice of such adjourned meeting in accordance
with <U>Section 9.2</U>, and shall give notice of the adjourned meeting to each stockholder of record entitled to vote at such
adjourned meeting as of the record date fixed for notice of such adjourned meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Section&nbsp;2.7. Advance Notice for
Business</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;<U>Annual Meetings
of Stockholders</U>. No business may be transacted at an annual meeting of stockholders, other than business that is either (i)&nbsp;specified
in the Corporation&#8217;s notice of meeting (or any supplement thereto) given by or at the direction of the Board, (ii)&nbsp;otherwise
properly brought before the annual meeting by or at the direction of the Board or (iii)&nbsp;otherwise properly brought before
the annual meeting by any stockholder of the Corporation (x)&nbsp;who is a stockholder of record entitled to vote at such annual
meeting on the date of the giving of the notice provided for in this&nbsp;<U>Section&nbsp;2.7(a)</U>&nbsp;and on the record date
for the determination of stockholders entitled to vote at such annual meeting and (y)&nbsp;who complies with the notice procedures
set forth in this&nbsp;<U>Section&nbsp;2.7(a)</U>. Notwithstanding anything in this&nbsp;<U>Section&nbsp;2.7(a)</U>&nbsp;to the
contrary, only persons nominated for election as a director to fill any term of a directorship that expires on the date of the
annual meeting pursuant to&nbsp;<U>Section&nbsp;3.2</U>&nbsp;will be considered for election at such meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i) In addition to
any other applicable requirements, for business (other than nominations) to be properly brought before an annual meeting by a stockholder,
such stockholder must have given timely notice thereof in proper written form to the Secretary and such business must otherwise
be a proper matter for stockholder action. Subject to&nbsp;<U>Section&nbsp;2.7(a)(iii)</U>, a stockholder&#8217;s notice to the
Secretary with respect to such business, to be timely, must be received by the Secretary at the principal executive offices of
the Corporation not later than the close of business on the 90th day nor earlier than the opening of business on the 120th day
before the anniversary date of the immediately preceding annual meeting of stockholders; provided, however, that in the event that
the annual meeting is more than 30&nbsp;days before or more than 60 days after such anniversary date (or if there has been no prior
annual meeting), notice by the stockholder to be timely must be so delivered not earlier than the close of business on the 120th
day before the meeting and not later than the later of (x)&nbsp;the close of business on the 90th day before the meeting or (y)&nbsp;the
close of business on the 10th day following the day on which public announcement of the date of the annual meeting is first made
by the Corporation. The public announcement of an adjournment or postponement of an annual meeting shall not commence a new time
period (or extend any time period) for the giving of a stockholder&#8217;s notice as described in this <U>Section&nbsp;2.7(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii) To be in proper
written form, a stockholder&#8217;s notice to the Secretary with respect to any business (other than nominations) must set forth
as to each such matter such stockholder proposes to bring before the annual meeting (A)&nbsp;a brief description of the business
desired to be brought before the annual meeting, the text of the proposal or business (including the text of any resolutions proposed
for consideration and in the event such business includes a proposal to amend these Bylaws, the language of the proposed amendment)
and the reasons for conducting such business at the annual meeting, (B)&nbsp;the name and record address of such stockholder and
the name and address of the beneficial owner, if any, on whose behalf the proposal is made, (C)&nbsp;the class or series and number
of shares of capital stock of the Corporation that are owned beneficially and of record by such stockholder and by the beneficial
owner, if any, on whose behalf the proposal is made, (D)&nbsp;a description of all arrangements or understandings between such
stockholder and the beneficial owner, if any, on whose behalf the proposal is made and any other person or persons (including their
names) in connection with the proposal of such business by such stockholder, (E)&nbsp;any material interest of such stockholder
and the beneficial owner, if any, on whose behalf the</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">proposal is made in such business and (F)&nbsp;a
representation that such stockholder (or a qualified representative of such stockholder) intends to appear in person or by proxy
at the annual meeting to bring such business before the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii) The foregoing
notice requirements of this&nbsp;<U>Section&nbsp;2.7(a)</U>&nbsp;shall be deemed satisfied by a stockholder as to any proposal
(other than nominations) if the stockholder has notified the Corporation of such stockholder&#8217;s intention to present such
proposal at an annual meeting in compliance with Rule&nbsp;14a-8 (or any successor thereof) of the Securities Exchange Act of 1934,
as amended (the &#8220;<B><I>Exchange Act</I></B>&#8221;), and such stockholder has complied with the requirements of such Rule
for inclusion of such proposal in a proxy statement prepared by the Corporation to solicit proxies for such annual meeting. No
business shall be conducted at the annual meeting of stockholders except business brought before the annual meeting in accordance
with the procedures set forth in this&nbsp;<U>Section&nbsp;2.7(a)</U>, provided, however, that once business has been properly
brought before the annual meeting in accordance with such procedures, nothing in this&nbsp;<U>Section&nbsp;2.7(a)</U>&nbsp;shall
be deemed to preclude discussion by any stockholder of any such business. If the Board or the chairman of the annual meeting determines
that any stockholder proposal was not made in accordance with the provisions of this&nbsp;<U>Section&nbsp;2.7(a)</U>&nbsp;or that
the information provided in a stockholder&#8217;s notice does not satisfy the information requirements of this <U>Section&nbsp;2.7(a)</U>,
such proposal shall not be presented for action at the annual meeting. Notwithstanding the foregoing provisions of this <U>Section&nbsp;2.7(a)</U>,
if the stockholder (or a qualified representative of the stockholder) does not appear at the annual meeting of stockholders of
the Corporation to present the proposed business, such proposed business shall not be transacted, notwithstanding that proxies
in respect of such matter may have been received by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv) In addition to
the provisions of this&nbsp;<U>Section&nbsp;2.7(a)</U>, a stockholder shall also comply with all applicable requirements of the
Exchange Act and the rules and regulations thereunder with respect to the matters set forth herein. Nothing in this&nbsp;<U>Section&nbsp;2.7(a)</U>&nbsp;shall
be deemed to affect any rights of stockholders to request inclusion of proposals in the Corporation&#8217;s proxy statement pursuant
to Rule&nbsp;14a-8 under the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;<U>Special Meetings
of Stockholders</U>. Only such business shall be conducted at a special meeting of stockholders as shall have been brought before
the meeting pursuant to the Corporation&#8217;s notice of meeting, or in the case of a special meeting of stockholders called by
the SCG Representative pursuant to <U>Section 2.2</U>, pursuant to the SCG Representative&#8217;s notice of meeting or as requested
to be presented in writing delivered to the SCG Representative by the Board of Directors. Nominations of persons for election to
the Board may be made at a special meeting of stockholders at which directors are to be elected pursuant to the Corporation&#8217;s
notice of meeting only pursuant to&nbsp;<U>Section&nbsp;3.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;<U>Public Announcement</U>.
For purposes of these Bylaws, &#8220;<B><I>public announcement</I></B>&#8221; shall mean disclosure in a press release reported
by the Dow Jones News Service, Associated Press or comparable national news service or in a document publicly filed or furnished
by the Corporation with the Securities and Exchange Commission pursuant to Sections&nbsp;13, 14 or 15(d) of the Exchange Act (or
any successor thereto).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;2.8.
Conduct of Meetings</B>. The chairman of each annual and special meeting of stockholders shall be the Chairman of the Board or,
in the absence (or inability or refusal to act) of the Chairman of the Board, the Chief Executive Officer (if he or she shall be
a director) or, in the absence (or inability or refusal to act of the Chief Executive Officer or if the Chief Executive Officer
is not a director, the President (if he or she shall be a director) or, in the absence (or inability or refusal to act) of the
President or if the President is not a director, such other person as shall be appointed by the Board. The date and time of the
opening and the closing of the polls for each matter upon which the stockholders will vote at a meeting shall be announced at the
meeting by the chairman of the meeting. The Board may adopt such rules and regulations for the conduct of the meeting of stockholders
as it shall deem appropriate. Except to the extent inconsistent with these Bylaws or such rules and regulations as adopted by the
Board, the chairman of any meeting of stockholders shall have the right and authority to convene and to adjourn the meeting, to
prescribe such rules, regulations and procedures and to do all such acts as, in the judgment of such chairman, are appropriate
for the proper conduct of the meeting. Such rules, regulations or procedures, whether adopted by the Board or prescribed by the
chairman of the meeting, may include, without limitation, the following: (a)&nbsp;the establishment of an agenda or order of business
for the meeting; (b)&nbsp;rules and procedures for maintaining order at the meeting and the safety of those present; (c)&nbsp;limitations
on attendance at or participation in the meeting to stockholders of record of the Corporation, their duly authorized and constituted
proxies or such other persons as the</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">chairman of the meeting shall determine;
(d)&nbsp;restrictions on entry to the meeting after the time fixed for the commencement thereof; and (e)&nbsp;limitations on the
time allotted to questions or comments by participants. Unless and to the extent determined by the Board or the chairman of the
meeting, meetings of stockholders shall not be required to be held in accordance with the rules of parliamentary procedure. The
secretary of each annual and special meeting of stockholders shall be the Secretary or, in the absence (or inability or refusal
to act) of the Secretary, an Assistant Secretary so appointed to act by the chairman of the meeting. In the absence (or inability
or refusal to act) of the Secretary and all Assistant Secretaries, the chairman of the meeting may appoint any person to act as
secretary of the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;2.9.
Consents in Lieu of Meeting</B>. Unless otherwise provided by the Certificate of Incorporation and only at any time when the SCG
Holders beneficially own, in the aggregate, thirty-five percent (35%) or more of the voting power of all outstanding shares of
capital stock of the Corporation entitled to vote generally in the election of directors, any action required or permitted to be
taken at any annual or special meeting of stockholders of the Corporation, may be taken without a meeting, without prior notice
and without a vote, if a consent in writing, setting forth the action so taken, shall be signed by the holders of outstanding stock
entitled to vote thereon having not less than the minimum number of votes that would be necessary to authorize or take such action
at a meeting at which all shares entitled to vote thereon were present and voted, and shall be delivered to the Corporation by
delivery to its registered office in the State of Delaware, its principal place of business, or an officer or agent of the Corporation
having custody of the book in which proceedings of meetings of stockholders are recorded; provided, however, at any time when the
SCG Holders beneficially own, in the aggregate, less than thirty-five percent (35%) of the voting power of all outstanding shares
of capital stock of the Corporation entitled to vote generally in the election of directors, any action required or permitted to
be taken by the stockholders of the Corporation must be effected at a duly called annual or special meeting of such holders and
may not be effected by written consent of the stockholders. Delivery made to the Corporation&#8217;s registered office shall be
by hand or by certified or registered mail, return receipt requested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Every written consent
shall bear the date of signature of each stockholder who signs the consent, and no written consent shall be effective to take the
corporate action referred to therein unless, within 60&nbsp;days of the earliest dated consent delivered in the manner required
by this section and the DGCL to the Corporation, written consents signed by a sufficient number of holders entitled to vote to
take action are delivered to the Corporation by delivery to its registered office in Delaware, its principal place of business
or an officer or agent of the Corporation having custody of the book in which proceedings of meetings of stockholders are recorded.
Delivery made to the Corporation&#8217;s registered office shall be by hand or by certified or registered mail, return receipt
requested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE III</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>DIRECTORS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;3.1.
Powers; Number</B>. The business and affairs of the Corporation shall be managed by or under the direction of the Board, which
may exercise all such powers of the Corporation and do all such lawful acts and things as are not by statute or by the Certificate
of Incorporation or by these Bylaws required to be exercised or done by the stockholders. Directors need not be stockholders or
residents of the State of Delaware. Subject to the Certificate of Incorporation, the number of directors shall be fixed exclusively
by resolution of the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Section&nbsp;3.2. Advance Notice for
Nomination of Directors</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a) Only persons who
are nominated in accordance with the following procedures shall be eligible for election as directors of the Corporation, except
as may be otherwise provided by the terms of one or more series of Preferred Stock with respect to the rights of holders of one
or more series of Preferred Stock to elect directors. Nominations of persons for election to the Board at any annual meeting of
stockholders, or at any special meeting of stockholders called for the purpose of electing directors as set forth in the Corporation&#8217;s
notice of such special meeting, may be made (i)&nbsp;by or at the direction of the Board or (ii)&nbsp;by any stockholder of the
Corporation (x)&nbsp;who is a stockholder of record entitled to vote in the election of directors on the date of the giving of
the notice provided for in this&nbsp;<U>Section&nbsp;3.2</U>&nbsp;and on the record date for the determination of stockholders
entitled to vote at such meeting and (y)&nbsp;who complies with the notice procedures set forth in this&nbsp;<U>Section&nbsp;3.2</U>.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b) In addition to any
other applicable requirements, for a nomination to be made by a stockholder, such stockholder must have given timely notice thereof
in proper written form to the Secretary. To be timely, a stockholder&#8217;s notice to the Secretary must be received by the Secretary
at the principal executive offices of the Corporation (i)&nbsp;in the case of an annual meeting, not later than the close of business
on the 90th day nor earlier than the close of business on the 120th day before the anniversary date of the immediately preceding
annual meeting of stockholders; provided, however, that in the event that the annual meeting is more than 30&nbsp;days before or
more than 60 days after such anniversary date (or if there has been no prior annual meeting), notice by the stockholder to be timely
must be so received not earlier than the close of business on the 120th day before the meeting and not later than the later of
(x)&nbsp;the close of business on the 90th day before the meeting or (y)&nbsp;the close of business on the 10th day following the
day on which public announcement of the date of the annual meeting was first made by the Corporation; and (ii)&nbsp;in the case
of a special meeting of stockholders called for the purpose of electing directors, not later than the close of business on the
10th day following the day on which public announcement of the date of the special meeting is first made by the Corporation. In
no event shall the public announcement of an adjournment or postponement of an annual meeting or special meeting commence a new
time period (or extend any time period) for the giving of a stockholder&#8217;s notice as described in this&nbsp;<U>Section&nbsp;3.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c) Notwithstanding anything
in paragraph (b)&nbsp;to the contrary, in the event that the number of directors to be elected to the Board at an annual meeting
is greater than the number of directors whose terms expire on the date of the annual meeting and there is no public announcement
by the Corporation naming all of the nominees for the additional directors to be elected or specifying the size of the increased
Board before the close of business on the 90th day prior to the anniversary date of the immediately preceding annual meeting of
stockholders, a stockholder&#8217;s notice required by this&nbsp;<U>Section&nbsp;3.2</U>&nbsp;shall also be considered timely,
but only with respect to nominees for the additional directorships created by such increase that are to be filled by election at
such annual meeting, if it shall be received by the Secretary at the principal executive offices of the Corporation not later than
the close of business on the 10th day following the date on which such public announcement was first made by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d) To be in proper written
form, a stockholder&#8217;s notice to the Secretary must set forth (i)&nbsp;as to each person whom the stockholder proposes to
nominate for election as a director (A)&nbsp;the name, age, business address and residence address of the person, (B)&nbsp;the
principal occupation or employment of the person, (C)&nbsp;the class or series and number of shares of capital stock of the Corporation
that are owned beneficially or of record by the person and (D)&nbsp;any other information relating to the person that would be
required to be disclosed in a proxy statement or other filings required to be made in connection with solicitations of proxies
for election of directors pursuant to Section&nbsp;14 of the Exchange Act and the rules and regulations promulgated thereunder;
and (ii)&nbsp;as to the stockholder giving the notice (A)&nbsp;the name and record address of such stockholder as they appear on
the Corporation&#8217;s books and the name and address of the beneficial owner, if any, on whose behalf the nomination is made,
(B)&nbsp;the class or series and number of shares of capital stock of the Corporation that are owned beneficially and of record
by such stockholder and the beneficial owner, if any, on whose behalf the nomination is made, (C)&nbsp;a description of all arrangements
or understandings relating to the nomination to be made by such stockholder among such stockholder, the beneficial owner, if any,
on whose behalf the nomination is made, each proposed nominee and any other person or persons (including their names), (D)&nbsp;a
representation that such stockholder (or a qualified representative of such stockholder) intends to appear in person or by proxy
at the meeting to nominate the persons named in its notice and (E)&nbsp;any other information relating to such stockholder and
the beneficial owner, if any, on whose behalf the nomination is made that would be required to be disclosed in a proxy statement
or other filings required to be made in connection with solicitations of proxies for election of directors pursuant to Section&nbsp;14
of the Exchange Act and the rules and regulations promulgated thereunder. Such notice must be accompanied by a written consent
of each proposed nominee to being named as a nominee and to serve as a director if elected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e) If the Board or the
chairman of the meeting of stockholders determines that any nomination was not made in accordance with the provisions of this&nbsp;<U>Section&nbsp;3.2</U>,
or that the information provided in a stockholder&#8217;s notice does not satisfy the information requirements of this <U>Section
3.2</U>, then such nomination shall not be considered at the meeting in question. Notwithstanding the foregoing provisions of this&nbsp;<U>Section&nbsp;3.2</U>,
if the stockholder (or a qualified representative of the stockholder) does not appear at the meeting of stockholders of the Corporation
to present the nomination, such nomination shall be disregarded, notwithstanding that proxies in respect of such nomination may
have been received by the Corporation.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f) In addition to the
provisions of this&nbsp;<U>Section&nbsp;3.2</U>, a stockholder shall also comply with all of the applicable requirements of the
Exchange Act and the rules and regulations thereunder with respect to the matters set forth herein. Nothing in this&nbsp;<U>Section&nbsp;3.2</U>&nbsp;shall
be deemed to affect any rights of the holders of Preferred Stock to elect directors pursuant to the Certificate of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;3.3.
Compensation</B>. Unless otherwise restricted by the Certificate of Incorporation or these Bylaws, the Board shall have the authority
to fix the compensation of directors, including for service on a committee of the Board, and may be paid either a fixed sum for
attendance at each meeting of the Board or other compensation as director. The directors may be reimbursed their expenses, if any,
of attendance at each meeting of the Board. No such payment shall preclude any director from serving the Corporation in any other
capacity and receiving compensation therefor. Members of committees of the Board may be allowed like compensation and reimbursement
of expenses for service on the committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE IV</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>BOARD MEETINGS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;4.1.
Annual Meetings</B>. The Board shall meet as soon as practicable after the adjournment of each annual stockholders meeting at the
place of the annual stockholders meeting unless the Board shall fix another time and place and give notice thereof in the manner
required herein for special meetings of the Board. No notice to the directors shall be necessary to legally convene this meeting,
except as provided in this <U>Section&nbsp;4.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;4.2.
Regular Meetings</B>. Regularly scheduled, periodic meetings of the Board may be held without notice at such times, dates and places
(within or without the State of Delaware) as shall from time to time be determined by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;4.3.
Special Meetings</B>. Special meetings of the Board (a)&nbsp;may be called by the Chairman of the Board, Chief Executive Officer
or President and (b)&nbsp;shall be called by the Chairman of the Board, Chief Executive Officer, President or Secretary on the
written request of at least a majority of directors then in office, or the sole director, as the case may be, and shall be held
at such time, date and place (within or without the State of Delaware) as may be determined by the person calling the meeting or,
if called upon the request of directors or the sole director, as specified in such written request. Notice of each special meeting
of the Board shall be given, as provided in&nbsp;<U>Section&nbsp;9.3</U>, to each director (i)&nbsp;at least 24 hours before the
meeting if such notice is oral notice given personally or by telephone or written notice given by hand delivery or by means of
a form of electronic transmission and delivery; (ii)&nbsp;at least two days before the meeting if such notice is sent by a nationally
recognized overnight delivery service; and (iii)&nbsp;at least five days before the meeting if such notice is sent through the
United States mail. If the Secretary shall fail or refuse to give such notice, then the notice may be given by the officer who
called the meeting or the directors who requested the meeting. Any and all business that may be transacted at a regular meeting
of the Board may be transacted at a special meeting. Except as may be otherwise expressly provided by applicable law, the Certificate
of Incorporation, or these Bylaws, neither the business to be transacted at, nor the purpose of, any special meeting need be specified
in the notice or waiver of notice of such meeting. A special meeting may be held at any time without notice if all the directors
are present or if those not present waive notice of the meeting in accordance with <U>Section&nbsp;9.4</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;4.4.
Quorum; Required Vote</B>. A majority of the Board shall constitute a quorum for the transaction of business at any meeting of
the Board, and the act of a majority of the directors present at any meeting at which there is a quorum shall be the act of the
Board, except as may be otherwise specifically provided by applicable law, the Certificate of Incorporation or these Bylaws. If
a quorum shall not be present at any meeting, a majority of the directors present may adjourn the meeting from time to time, without
notice other than announcement at the meeting, until a quorum is present.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;4.5.
Consent In Lieu of Meeting</B>. Unless otherwise restricted by the Certificate of Incorporation or these Bylaws, any action required
or permitted to be taken at any meeting of the Board or any committee thereof may be taken without a meeting if all members of
the Board or committee, as the case may be, consent thereto in</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">writing or by electronic transmission,
and the writing or writings or electronic transmission or transmissions (or paper reproductions thereof) are filed with the minutes
of proceedings of the Board or committee. Such filing shall be in paper form if the minutes are maintained in paper form and shall
be in electronic form if the minutes are maintained in electronic form.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;4.6.
Organization</B>. The chairman of each meeting of the Board shall be the Chairman of the Board or, in the absence (or inability
or refusal to act) of the Chairman of the Board, the Chief Executive Officer (if he or she shall be a director) or, in the absence
(or inability or refusal to act) of the Chief Executive Officer or if the Chief Executive Officer is not a director, the President
(if he or she shall be a director) or in the absence (or inability or refusal to act) of the President or if the President is not
a director, a chairman elected from the directors present. The Secretary shall act as secretary of all meetings of the Board. In
the absence (or inability or refusal to act) of the Secretary, an Assistant Secretary shall perform the duties of the Secretary
at such meeting. In the absence (or inability or refusal to act) of the Secretary and all Assistant Secretaries, the chairman of
the meeting may appoint any person to act as secretary of the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE V</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>COMMITTEES OF DIRECTORS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;5.1.
Establishment</B>. The Board may by resolution of the Board designate one or more committees, each committee to consist of one
or more of the directors of the Corporation. Each committee shall keep regular minutes of its meetings and report the same to the
Board when required by the resolution designating such committee. The Board shall have the power at any time to fill vacancies
in, to change the membership of, or to dissolve any such committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;5.2.
Available Powers</B>. Any committee established pursuant to&nbsp;<U>Section&nbsp;5.1</U>&nbsp;hereof, to the extent permitted by
applicable law and by resolution of the Board, shall have and may exercise all of the powers and authority of the Board in the
management of the business and affairs of the Corporation, and may authorize the seal of the Corporation to be affixed to all papers
that may require it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;5.3.
Alternate Members</B>. The Board may designate one or more directors as alternate members of any committee, who may replace any
absent or disqualified member at any meeting of such committee. In the absence or disqualification of a member of the committee,
the member or members thereof present at any meeting and not disqualified from voting, whether or not he, she or they constitute
a quorum, may unanimously appoint another member of the Board to act at the meeting in place of any such absent or disqualified
member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;5.4.
Procedures</B>. Unless the Board otherwise provides, the time, date, place, if any, and notice of meetings of a committee shall
be determined by such committee. At meetings of a committee, a majority of the number of members of the committee (but not including
any alternate member, unless such alternate member has replaced any absent or disqualified member at the time of, or in connection
with, such meeting) shall constitute a quorum for the transaction of business. The act of a majority of the members present at
any meeting at which a quorum is present shall be the act of the committee, except as otherwise specifically provided by applicable
law, the Certificate of Incorporation, these Bylaws or the Board. If a quorum is not present at a meeting of a committee, the members
present may adjourn the meeting from time to time, without notice other than an announcement at the meeting, until a quorum is
present. Unless the Board otherwise provides and except as provided in these Bylaws, each committee designated by the Board may
make, alter, amend and repeal rules for the conduct of its business. In the absence of such rules each committee shall conduct
its business in the same manner as the Board is authorized to conduct its business pursuant to <U>Article&nbsp;III</U> and <U>Article&nbsp;IV</U>
of these Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE VI</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OFFICERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;6.1.
Officers</B>. The officers of the Corporation elected by the Board shall be a Chief Executive Officer, a Chief Financial Officer,
a Secretary and such other officers (including without limitation, a Chairman of</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">the Board, Presidents, Vice Presidents,
Partners, Managing Directors, Senior Managing Directors, Assistant Secretaries and a Treasurer) as the Board from time to time
may determine. Officers elected by the Board shall each have such powers and duties as generally pertain to their respective offices,
subject to the specific provisions of this&nbsp;<U>Article&nbsp;VI</U>. Such officers shall also have such powers and duties as
from time to time may be conferred by the Board. The Chairman of the Board, Chief Executive Officer or President may also appoint
such other officers (including without limitation one or more Vice Presidents and Controllers) as may be necessary or desirable
for the conduct of the business of the Corporation. Such other officers shall have such powers and duties and shall hold their
offices for such terms as may be provided in these Bylaws or as may be prescribed by the Board or, if such officer has been appointed
by the Chairman of the Board, Chief Executive Officer or President, as may be prescribed by the appointing officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;<U>Chairman
of the Board</U>. The Chairman of the Board shall preside when present at all meetings of the stockholders and the Board. In the
absence (or inability or refusal to act) of the Chairman of the Board, the Chief Executive Officer (if he or she shall be a director)
shall preside when present at all meetings of the stockholders and the Board. The powers and duties of the Chairman of the Board
shall not include supervision or control of the preparation of the financial statements of the Corporation (other than through
participation as a member of the Board). The position of Chairman of the Board and Chief Executive Officer may be held by the same
person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;<U>Chief Executive
Officer</U>. The Chief Executive Officer shall be the chief executive officer of the Corporation, shall have general supervision
of the affairs of the Corporation and general control of all of its business subject to the ultimate authority of the Board, and
shall be responsible for the execution of the policies of the Board with respect to such matters, except to the extent any such
powers and duties have been prescribed to the Chairman of the Board pursuant to&nbsp;<U>Section&nbsp;6.1(a)</U>&nbsp;above. In
the absence (or inability or refusal to act) of the Chairman of the Board, the Chief Executive Officer (if he or she shall be a
director) shall preside when present at all meetings of the stockholders and the Board. The position of Chief Executive Officer
and President may be held by the same person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;<U>President</U>.
The President shall make recommendations to the Chief Executive Officer on all operational matters that would normally be reserved
for the final executive responsibility of the Chief Executive Officer. In the absence (or inability or refusal to act) of the Chairman
of the Board and Chief Executive Officer, the President (if he or she shall be a director) shall preside when present at all meetings
of the stockholders and the Board. The President shall also perform such duties and have such powers as shall be designated by
the Board. The position of President and Chief Executive Officer may be held by the same person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;<U>Vice Presidents</U>.
In the absence (or inability or refusal to act) of the President, the Vice President (or in the event there be more than one Vice
President, the Vice Presidents in the order designated by the Board) shall perform the duties and have the powers of the President.
Any one or more of the Vice Presidents may be given an additional designation of rank or function.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e)&nbsp;<U>Secretary</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i) The Secretary shall
attend all meetings of the stockholders, the Board and (as required) committees of the Board and shall record the proceedings of
such meetings in books to be kept for that purpose. The Secretary shall give, or cause to be given, notice of all meetings of the
stockholders and special meetings of the Board and shall perform such other duties as may be prescribed by the Board, the Chairman
of the Board, Chief Executive Officer or President. The Secretary shall have custody of the corporate seal of the Corporation and
the Secretary, or any Assistant Secretary, shall have authority to affix the same to any instrument requiring it, and when so affixed,
it may be attested by his or her signature or by the signature of such Assistant Secretary. The Board may give general authority
to any other officer to affix the seal of the Corporation and to attest the affixing thereof by his or her signature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii) The Secretary
shall keep, or cause to be kept, at the principal executive office of the Corporation or at the office of the Corporation&#8217;s
transfer agent or registrar, if one has been appointed, a stock ledger, or duplicate stock ledger, showing the names of the stockholders
and their addresses, the number and classes of</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">shares held by each and, with respect to
certificated shares, the number and date of certificates issued for the same and the number and date of certificates cancelled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;<U>Assistant
Secretaries</U>. The Assistant Secretary or, if there be more than one, the Assistant Secretaries in the order determined by the
Board shall, in the absence (or inability or refusal to act) of the Secretary, perform the duties and have the powers of the Secretary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;<U>Chief Financial
Officer</U>. The Chief Financial Officer shall perform all duties commonly incident to that office (including, without limitation,
the care and custody of the funds and securities of the Corporation, which from time to time may come into the Chief Financial
Officer&#8217;s hands and the deposit of the funds of the Corporation in such banks or trust companies as the Board, the Chief
Executive Officer or the President may authorize).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;<U>Treasurer</U>.
The Treasurer shall, in the absence (or inability or refusal to act) of the Chief Financial Officer, perform the duties and exercise
the powers of the Chief Financial Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;6.2.
Term of Office; Removal; Vacancies</B>. The elected officers of the Corporation shall be appointed by the Board and shall hold
office until their successors are duly elected and qualified by the Board or until their earlier death, resignation, retirement,
disqualification, or removal from office. Any officer may be removed, with or without cause, at any time by the Board. Any officer
appointed by the Chairman of the Board, Chief Executive Officer or President may also be removed, with or without cause, by the
Chairman of the Board, Chief Executive Officer or President, as the case may be, unless the Board otherwise provides. Any vacancy
occurring in any elected office of the Corporation may be filled by the Board. Any vacancy occurring in any office appointed by
the Chairman of the Board, Chief Executive Officer or President may be filled by the Chairman of the Board, Chief Executive Officer,
or President, as the case may be, unless the Board then determines that such office shall thereupon be elected by the Board, in
which case the Board shall elect such officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;6.3.
Other Officers</B>. The Board may delegate the power to appoint such other officers and agents, and may also remove such officers
and agents or delegate the power to remove same, as it shall from time to time deem necessary or desirable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;6.4.
Multiple Officeholders; Stockholder and Director Officers</B>. Any number of offices may be held by the same person unless the
Certificate of Incorporation or these Bylaws otherwise provide. Officers need not be stockholders or residents of the State of
Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE VII</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;<B>SHARES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;7.1.
Certificated and Uncertificated Shares</B>. The shares of the Corporation may be certificated or uncertificated, subject to the
sole discretion of the Board and the requirements of the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;7.2.
Multiple Classes of Stock</B>. If the Corporation shall be authorized to issue more than one class of stock or more than one series
of any class, the Corporation shall (a)&nbsp;cause the powers, designations, preferences and relative, participating, optional
or other special rights of each class of stock or series thereof and the qualifications, limitations or restrictions of such preferences
and/or rights to be set forth in full or summarized on the face or back of any certificate that the Corporation issues to represent
shares of such class or series of stock or (b)&nbsp;in the case of uncertificated shares, within a reasonable time after the issuance
or transfer of such shares, send to the registered owner thereof a written notice containing the information required to be set
forth on certificates as specified in clause (a)&nbsp;above; provided, however, that, except as otherwise provided by applicable
law, in lieu of the foregoing requirements, there may be set forth on the face or back of such certificate or, in the case of uncertificated
shares, on such written notice a statement that the Corporation will furnish without charge to each stockholder who so requests
the powers, designations, preferences and relative, participating, optional or other special rights of each class of stock or series
thereof and the qualifications, limitations or restrictions of such preferences or rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;7.3.
Signatures</B>. Each certificate representing capital stock of the Corporation shall be signed by or in the name of the Corporation
by (a)&nbsp;the Chairman of the Board, Chief Executive Officer, the President or a Vice President and (b)&nbsp;the Treasurer, an
Assistant Treasurer, the Secretary or an Assistant Secretary of the Corporation. Any or all the signatures on the certificate may
be a facsimile. In case any officer, transfer agent or registrar who has signed or whose facsimile signature has been placed upon
a certificate shall have ceased to be such officer, transfer agent or registrar before such certificate is issued, such certificate
may be issued by the Corporation with the same effect as if such person were such officer, transfer agent or registrar on the date
of issue.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Section&nbsp;7.4. Consideration and Payment
for Shares</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a) Subject to applicable
law and the Certificate of Incorporation, shares of stock may be issued for such consideration, having in the case of shares with
par value a value not less than the par value thereof, and to such persons, as determined from time to time by the Board. The consideration
may consist of any tangible or intangible property or any benefit to the Corporation including cash, promissory notes, services
performed, contracts for services to be performed or other securities, or any combination thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b) Subject to applicable
law and the Certificate of Incorporation, shares may not be issued until the full amount of the consideration has been paid, unless
upon the face or back of each certificate issued to represent any partly paid shares of capital stock or upon the books and records
of the Corporation in the case of partly paid uncertificated shares, there shall have been set forth the total amount of the consideration
to be paid therefor and the amount paid thereon up to and including the time said certificate representing certificated shares
or said uncertificated shares are issued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Section&nbsp;7.5. Lost, Destroyed or
Wrongfully Taken Certificates</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a) If an owner of a
certificate representing shares claims that such certificate has been lost, destroyed or wrongfully taken, the Corporation shall
issue a new certificate representing such shares or such shares in uncertificated form if the owner: (i)&nbsp;requests such a new
certificate before the Corporation has notice that the certificate representing such shares has been acquired by a protected purchaser;
(ii)&nbsp;if requested by the Corporation, delivers to the Corporation a bond sufficient to indemnify the Corporation against any
claim that may be made against the Corporation on account of the alleged loss, wrongful taking or destruction of such certificate
or the issuance of such new certificate or uncertificated shares; and (iii)&nbsp;satisfies other reasonable requirements imposed
by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b) If a certificate
representing shares has been lost, apparently destroyed or wrongfully taken, and the owner fails to notify the Corporation of that
fact within a reasonable time after the owner has notice of such loss, apparent destruction or wrongful taking and the Corporation
registers a transfer of such shares before receiving notification, the owner shall be precluded from asserting against the Corporation
any claim for registering such transfer or a claim to a new certificate representing such shares or such shares in uncertificated
form.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Section&nbsp;7.6. Transfer of Stock</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a) If a certificate
representing shares of the Corporation is presented to the Corporation with an endorsement requesting the registration of transfer
of such shares or an instruction is presented to the Corporation requesting the registration of transfer of uncertificated shares,
the Corporation shall register the transfer as requested if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i) in the case of
certificated shares, the certificate representing such shares has been surrendered;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)(A)&nbsp;with respect
to certificated shares, the endorsement is made by the person specified by the certificate as entitled to such shares; (B)&nbsp;with
respect to uncertificated shares, an instruction is made by the registered owner of such uncertificated shares; or (C)&nbsp;with
respect to certificated shares or uncertificated shares, the endorsement or instruction is made by any other appropriate person
or by an agent who has actual authority to act on behalf of the appropriate person;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii) the Corporation
has received a guarantee of signature of the person signing such endorsement or instruction or such other reasonable assurance
that the endorsement or instruction is genuine and authorized as the Corporation may request;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv) the transfer does
not violate any restriction on transfer imposed by the Corporation that is enforceable in accordance with&nbsp;<U>Section&nbsp;7.8(a)</U>;
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(v) such other conditions
for such transfer as shall be provided for under applicable law have been satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b) Whenever any transfer
of shares shall be made for collateral security and not absolutely, the Corporation shall so record such fact in the entry of transfer
if, when the certificate for such shares is presented to the Corporation for transfer or, if such shares are uncertificated, when
the instruction for registration of transfer thereof is presented to the Corporation, both the transferor and transferee request
the Corporation to do so.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;7.7.
Registered Stockholders</B>. Before due presentment for registration of transfer of a certificate representing shares of the Corporation
or of an instruction requesting registration of transfer of uncertificated shares, the Corporation may treat the registered owner
as the person exclusively entitled to inspect for any proper purpose the stock ledger and the other books and records of the Corporation,
vote such shares, receive dividends or notifications with respect to such shares and otherwise exercise all the rights and powers
of the owner of such shares, except that a person who is the beneficial owner of such shares (if held in a voting trust or by a
nominee on behalf of such person) may, upon providing documentary evidence of beneficial ownership of such shares and satisfying
such other conditions as are provided under applicable law, may also so inspect the books and records of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;7.8.
Effect of the Corporation&#8217;s Restriction on Transfer</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a) A written restriction
on the transfer or registration of transfer of shares of the Corporation or on the amount of shares of the Corporation that may
be owned by any person or group of persons, if permitted by the DGCL and noted conspicuously on the certificate representing such
shares or, in the case of uncertificated shares, contained in a notice, offering circular or prospectus sent by the Corporation
to the registered owner of such shares within a reasonable time prior to or after the issuance or transfer of such shares, may
be enforced against the holder of such shares or any successor or transferee of the holder including an executor, administrator,
trustee, guardian or other fiduciary entrusted with like responsibility for the person or estate of the holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b) A restriction imposed
by the Corporation on the transfer or the registration of shares of the Corporation or on the amount of shares of the Corporation
that may be owned by any person or group of persons, even if otherwise lawful, is ineffective against a person without actual knowledge
of such restriction unless: (i)&nbsp;the shares are certificated and such restriction is noted conspicuously on the certificate;
or (ii)&nbsp;the shares are uncertificated and such restriction was contained in a notice, offering circular or prospectus sent
by the Corporation to the registered owner of such shares within a reasonable time prior to or after the issuance or transfer of
such shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;7.9.
Regulations</B>. The Board shall have power and authority to make such additional rules and regulations, subject to any applicable
requirement of law, as the Board may deem necessary and appropriate with respect to the issue, transfer or registration of transfer
of shares of stock or certificates representing shares. The Board may appoint one or more transfer agents or registrars and may
require for the validity thereof that certificates representing shares bear the signature of any transfer agent or registrar so
appointed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE VIII</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INDEMNIFICATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.1.
Right to Indemnification</B>. To the fullest extent permitted by applicable law, as the same exists or may hereafter be amended,
the Corporation shall indemnify and hold harmless each person who was or is made a party or is threatened to be made a party to
or is otherwise involved in any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative
or investigative (hereinafter a &#8220;<B><I>proceeding</I></B>&#8221;), by reason of the fact that he or she is or was a director
or officer of the Corporation or, while a director or officer of the Corporation, is or was serving at the request of the Corporation
as a director, officer, employee or agent of another corporation or of a partnership, joint venture, trust, other enterprise or
nonprofit entity, including service with respect to an employee benefit plan (hereinafter an &#8220;<B><I>Indemnitee</I></B>&#8221;),
whether the basis of such proceeding is alleged action in an official capacity as a director, officer, employee or agent, or in
any other capacity while serving as a director, officer, employee or agent, against all liability and loss suffered and expenses
(including, without limitation, attorneys&#8217; fees, judgments, fines, ERISA excise taxes and penalties and amounts paid in settlement)
reasonably incurred by such Indemnitee in connection with such proceeding; provided, however, that, except as provided in&nbsp;<U>Section&nbsp;8.3</U>&nbsp;with
respect to proceedings to enforce rights to indemnification, the Corporation shall indemnify an Indemnitee in connection with a
proceeding (or part thereof) initiated by such Indemnitee only if such proceeding (or part thereof) was authorized by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.2.
Right to Advancement of Expenses</B>. In addition to the right to indemnification conferred in&nbsp;<U>Section&nbsp;8.1</U>, an
Indemnitee shall also have the right to be paid by the Corporation to the fullest extent not prohibited by applicable law the expenses
(including, without limitation, attorneys&#8217; fees) incurred in defending or otherwise participating in any such proceeding
in advance of its final disposition (hereinafter an &#8220;<B><I>advancement of expenses</I></B>&#8221;); provided, however, that,
if the DGCL requires, an advancement of expenses incurred by an Indemnitee in his or her capacity as a director or officer of the
Corporation (and not in any other capacity in which service was or is rendered by such Indemnitee, including, without limitation,
service to an employee benefit plan) shall be made only upon the Corporation&#8217;s receipt of an undertaking (hereinafter an
 &#8220;<B><I>undertaking</I></B>&#8221;), by or on behalf of such Indemnitee, to repay all amounts so advanced if it shall ultimately
be determined that such Indemnitee is not entitled to be indemnified under this&nbsp;<U>Article&nbsp;VIII</U>&nbsp;or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.3.
Right of Indemnitee to Bring Suit</B>. If a claim under&nbsp;<U>Section&nbsp;8.1</U>&nbsp;or&nbsp;<U>Section&nbsp;8.2</U>&nbsp;is
not paid in full by the Corporation within 60&nbsp;days after a written claim therefor has been received by the Corporation, except
in the case of a claim for an advancement of expenses, in which case the applicable period shall be 20&nbsp;days, the Indemnitee
may at any time thereafter bring suit against the Corporation to recover the unpaid amount of the claim. If successful in whole
or in part in any such suit, or in a suit brought by the Corporation to recover an advancement of expenses pursuant to the terms
of an undertaking, the Indemnitee shall also be entitled to be paid the expense of prosecuting or defending such suit. In (a)&nbsp;any
suit brought by the Indemnitee to enforce a right to indemnification hereunder (but not in a suit brought by an Indemnitee to enforce
a right to an advancement of expenses) it shall be a defense that, and (b)&nbsp;in any suit brought by the Corporation to recover
an advancement of expenses pursuant to the terms of an undertaking, the Corporation shall be entitled to recover such expenses
upon a final judicial decision from which there is no further right to appeal (hereinafter a &#8220;<B><I>final adjudication</I></B>&#8221;)
that, the Indemnitee has not met any applicable standard for indemnification set forth in the DGCL. Neither the failure of the
Corporation (including its directors who are not parties to such action, a committee of such directors, independent legal counsel,
or its stockholders) to have made a determination prior to the commencement of such suit that indemnification of the Indemnitee
is proper in the circumstances because the Indemnitee has met the applicable standard of conduct set forth in the DGCL, nor an
actual determination by the Corporation (including a determination by its directors who are not parties to such action, a committee
of such directors, independent legal counsel, or its stockholders) that the Indemnitee has not met such applicable standard of
conduct, shall create a presumption that the Indemnitee has not met the applicable standard of conduct or, in the case of such
a suit brought by the Indemnitee, shall be a defense to such suit. In any suit brought by the Indemnitee to enforce a right to
indemnification or to an advancement of expenses hereunder, or by the Corporation to recover an advancement of expenses pursuant
to the terms of an undertaking, the burden of proving that the Indemnitee is not entitled to be indemnified, or to such advancement
of expenses, under this&nbsp;<U>Article&nbsp;VIII</U>&nbsp;or otherwise shall be on the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.4.
Non-Exclusivity of Rights</B>. The rights provided to any Indemnitee pursuant to this&nbsp;<U>Article&nbsp;VIII</U>&nbsp;shall
not be exclusive of any other right, which such Indemnitee may have or hereafter acquire under applicable law, the Certificate
of Incorporation, these Bylaws, an agreement, a vote of stockholders or disinterested directors, or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.5.
Insurance</B>. The Corporation may maintain insurance, at its expense, to protect itself and/or any director, officer, employee
or agent of the Corporation or another corporation, partnership, joint venture, trust or other enterprise against any expense,
liability or loss, whether or not the Corporation would have the power to indemnify such person against such expense, liability
or loss under the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.6.
Indemnification of Other Persons</B>. This&nbsp;<U>Article&nbsp;VIII</U>&nbsp;shall not limit the right of the Corporation to the
extent and in the manner authorized or permitted by law to indemnify and to advance expenses to persons other than Indemnitees.
Without limiting the foregoing, the Corporation may, to the extent authorized from time to time by the Board, grant rights to indemnification
and to the advancement of expenses to any employee or agent of the Corporation and to any other person who is or was serving at
the request of the Corporation as a director, officer, employee or agent of another corporation or of a partnership, joint venture,
trust or other enterprise, including service with respect to an employee benefit plan, to the fullest extent of the provisions
of this&nbsp;<U>Article&nbsp;VIII</U>&nbsp;with respect to the indemnification and advancement of expenses of Indemnitees under
this&nbsp;<U>Article&nbsp;VIII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.7.
Amendments</B>. Any repeal or amendment of this&nbsp;<U>Article&nbsp;VIII</U>&nbsp;by the Board or the stockholders of the Corporation
or by changes in applicable law, or the adoption of any other provision of these Bylaws inconsistent with this&nbsp;<U>Article&nbsp;VIII</U>,
will, to the extent permitted by applicable law, be prospective only (except to the extent such amendment or change in applicable
law permits the Corporation to provide broader indemnification rights to Indemnitees on a retroactive basis than permitted prior
thereto), and will not in any way diminish or adversely affect any right or protection existing hereunder in respect of any act
or omission occurring prior to such repeal or amendment or adoption of such inconsistent provision; provided however, that amendments
or repeals of this <U>Article VIII</U> shall require the affirmative vote of the stockholders holding at least sixty-six and two-thirds
percent (66.7%) of the voting power of all outstanding shares of capital stock of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.8.
Certain Definitions</B>. For purposes of this&nbsp;<U>Article&nbsp;VIII</U>, (a)&nbsp;references to &#8220;<B><I>other enterprise</I></B>&#8221;
shall include any employee benefit plan; (b)&nbsp;references to &#8220;<B><I>fines</I></B>&#8221; shall include any excise taxes
assessed on a person with respect to an employee benefit plan; (c)&nbsp;references to &#8220;<B><I>serving at the request of the
Corporation</I></B>&#8221; shall include any service that imposes duties on, or involves services by, a person with respect to
any employee benefit plan, its participants, or beneficiaries; and (d)&nbsp;a person who acted in good faith and in a manner such
person reasonably believed to be in the interest of the participants and beneficiaries of an employee benefit plan shall be deemed
to have acted in a manner &#8220;not opposed to the best interest of the Corporation&#8221; for purposes of Section&nbsp;145 of
the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.9.
Contract Rights</B>. The rights provided to Indemnitees pursuant to this&nbsp;<U>Article VIII</U>&nbsp;shall be contract rights
and such rights shall continue as to an Indemnitee who has ceased to be a director, officer, agent or employee and shall inure
to the benefit of the Indemnitee&#8217;s heirs, executors and administrators.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;8.10.
Severability</B>. If any provision or provisions of this&nbsp;<U>Article&nbsp;VIII</U>&nbsp;shall be held to be invalid, illegal
or unenforceable for any reason whatsoever: (a)&nbsp;the validity, legality and enforceability of the remaining provisions of this&nbsp;<U>Article&nbsp;VIII</U>&nbsp;shall
not in any way be affected or impaired thereby; and (b)&nbsp;to the fullest extent possible, the provisions of this&nbsp;<U>Article&nbsp;VIII</U>&nbsp;(including,
without limitation, each such portion of this <U>Article VIII</U>&nbsp;containing any such provision held to be invalid, illegal
or unenforceable) shall be construed so as to give effect to the intent manifested by the provision held invalid, illegal or unenforceable.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE IX</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>MISCELLANEOUS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.1.
Place of Meetings</B>. If the place of any meeting of stockholders, the Board or committee of the Board for which notice is required
under these Bylaws is not designated in the notice of such meeting, such meeting shall be held at the principal business office
of the Corporation; provided, however, if the Board has, in its sole discretion, determined that a meeting shall not be held at
any place, but instead shall be held by means of remote communication pursuant to&nbsp;<U>Section&nbsp;9.5</U>&nbsp;hereof, then
such meeting shall not be held at any place.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Section&nbsp;9.2. Fixing Record Dates</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a) In order that the
Corporation may determine the stockholders entitled to notice of any meeting of stockholders or any adjournment thereof, the Board
may fix a record date, which shall not precede the date upon which the resolution fixing the record date is adopted by the Board,
and which record date shall not be more than 60 nor less than 10&nbsp;days before the date of such meeting. If the Board so fixes
a date, such date shall also be the record date for determining the stockholders entitled to vote at such meeting unless the Board
determines, at the time it fixes such record date, that a later date on or before the date of the meeting shall be the date for
making such determination. If no record date is fixed by the Board, the record date for determining stockholders entitled to notice
of and to vote at a meeting of stockholders shall be at the close of business on the business day next preceding the day on which
notice is given, or, if notice is waived, at the close of business on the business day next preceding the day on which the meeting
is held. A determination of stockholders of record entitled to notice of or to vote at a meeting of stockholders shall apply to
any adjournment of the meeting; provided, however, that the Board may fix a new record date for the adjourned meeting, and in such
case shall also fix as the record date for stockholders entitled to notice of such adjourned meeting the same or an earlier date
as that fixed for determination of stockholders entitled to vote in accordance with the foregoing provisions of this <U>Section
9.2(a)</U> at the adjourned meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;The record date
for determining stockholders of record entitled to express consent to corporate action in writing without a meeting of shareholders
shall be as fixed by the Board or otherwise pursuant to this Section 9.2. Any person seeking to have the stockholders of the Corporation
authorize, take or express consent to corporate action in writing without a meeting of stockholders shall make such a request by
written notice delivered to the Secretary of the Corporation, and in such event the record date for determining stockholders entitled
to express consent to corporate action without a meeting of stockholders, when no prior action of the Board is required by law,
shall be three (3) business days after the receipt of the aforesaid written notice by the Secretary of the Corporation, or, if
prior action by the Board is required by law, shall be at the close of business on the day on which the Board adopts the resolution
taking such prior action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;In order that
the Corporation may determine the stockholders entitled to receive payment of any dividend or other distribution or allotment of
any rights or the stockholders entitled to exercise any rights in respect of any change, conversion or exchange of stock, or for
the purpose of any other lawful action, the Board may fix a record date, which record date shall not precede the date upon which
the resolution fixing the record date is adopted, and which record date shall be not more than 60&nbsp;days prior to such action.
If no record date is fixed, the record date for determining stockholders for any such purpose shall be at the close of business
on the day on which the Board adopts the resolution relating thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Section&nbsp;9.3. Means of Giving Notice</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;<U>Notice to
Directors</U>. Whenever under applicable law, the Certificate of Incorporation or these Bylaws notice is required to be given to
any director, such notice shall be given either (i)&nbsp;in writing and sent by mail, or by a nationally recognized delivery service,
(ii)&nbsp;by means of facsimile telecommunication or other form of electronic transmission, or (iii)&nbsp;by oral notice given
personally or by telephone. A notice to a director will be deemed given as follows: (i)&nbsp;if given by hand delivery, orally,
or by telephone, when actually received by the director, (ii)&nbsp;if sent through the United States mail, when deposited in the
United States mail, with postage and fees thereon prepaid, addressed to the director at the director&#8217;s address appearing
on the records of the Corporation, (iii)&nbsp;if sent for next day delivery by a nationally recognized overnight delivery service,
when deposited with such service, with fees thereon prepaid, addressed to the director at the director&#8217;s address appearing
on the records of the Corporation, (iv)&nbsp;if sent by facsimile telecommunication, when sent to the facsimile transmission number
for such director appearing on the records of the Corporation, (v)&nbsp;if sent by electronic mail, when sent to the electronic
mail address for such director appearing on the records of the Corporation, or (vi)&nbsp;if sent by any other form of electronic
transmission, when sent to the address, location or number (as applicable) for such director appearing on the records of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;<U>Notice to
Stockholders</U>. Whenever under applicable law, the Certificate of Incorporation or these Bylaws notice is required to be given
to any stockholder, such notice may be given (i)&nbsp;in writing and sent either by hand delivery, through the United States mail,
or by a nationally recognized overnight delivery service for next day delivery, or (ii)&nbsp;by means of a form of electronic transmission
consented to by the stockholder, to the extent permitted by, and subject to the conditions set forth in Section&nbsp;232 of the
DGCL. A notice to a stockholder shall be deemed given as follows: (i)&nbsp;if given by hand delivery, when actually received by
the stockholder, (ii)&nbsp;if sent through the United States mail, when deposited in the United States mail, with postage and fees
thereon prepaid, addressed to the stockholder at the stockholder&#8217;s address appearing on the stock ledger of the Corporation,
(iii)&nbsp;if sent for next day delivery by a nationally recognized overnight delivery service, when deposited with such service,
with fees thereon prepaid, addressed to the stockholder at the stockholder&#8217;s address appearing on the stock ledger of the
Corporation, and (iv)&nbsp;if given by a form of electronic transmission consented to by the stockholder to whom the notice is
given and otherwise meeting the requirements set forth above, (A)&nbsp;if by facsimile transmission, when directed to a number
at which the stockholder has consented to receive notice, (B)&nbsp;if by electronic mail, when directed to an electronic mail address
at which the stockholder has consented to receive notice, (C)&nbsp;if by a posting on an electronic network together with separate
notice to the stockholder of such specified posting, upon the later of (1)&nbsp;such posting and (2)&nbsp;the giving of such separate
notice, and (D)&nbsp;if by any other form of electronic transmission, when directed to the stockholder. A stockholder may revoke
such stockholder&#8217;s consent to receiving notice by means of electronic communication by giving written notice of such revocation
to the Corporation. Any such consent shall be deemed revoked if (1)&nbsp;the Corporation is unable to deliver by electronic transmission
two consecutive notices given by the Corporation in accordance with such consent and (2)&nbsp;such inability becomes known to the
Secretary or an Assistant Secretary or to the Corporation&#8217;s transfer agent, or other person responsible for the giving of
notice; provided, however, the inadvertent failure to treat such inability as a revocation shall not invalidate any meeting or
other action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;<U>Electronic
Transmission</U>. &#8220;<B><I>Electronic transmission</I></B>&#8221; means any form of communication, not directly involving the
physical transmission of paper, that creates a record that may be retained, retrieved and reviewed by a recipient thereof, and
that may be directly reproduced in paper form by such a recipient through an automated process, including but not limited to transmission
by telex, facsimile telecommunication, electronic mail, telegram and cablegram.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;<U>Notice to
Stockholders Sharing Same Address</U>. Without limiting the manner by which notice otherwise may be given effectively by the Corporation
to stockholders, any notice to stockholders given by the Corporation under any provision of the DGCL, the Certificate of Incorporation
or these Bylaws shall be effective if given by a single written notice to stockholders who share an address if consented to by
the stockholders at that address to whom such notice is given. A stockholder may revoke such stockholder&#8217;s consent by delivering
written notice of such revocation to the Corporation. Any stockholder who fails to object in writing to the Corporation within
60&nbsp;days of having been given written notice by the Corporation of its intention to send such a single written notice shall
be deemed to have consented to receiving such single written notice.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;<U>Exceptions
to Notice Requirements</U>. Whenever notice is required to be given, under the DGCL, the Certificate of Incorporation or these
Bylaws, to any person with whom communication is unlawful, the giving of such notice to such person shall not be required and there
shall be no duty to apply to any governmental authority or agency for a license or permit to give such notice to such person. Any
action or meeting that shall be taken or held without notice to any such person with whom communication is unlawful shall have
the same force and effect as if such notice had been duly given. In the event that the action taken by the Corporation is such
as to require the filing of a certificate with the Secretary of State of Delaware, the certificate shall state, if such is the
fact and if notice is required, that notice was given to all persons entitled to receive notice except such persons with whom communication
is unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Whenever notice is required
to be given by the Corporation, under any provision of the DGCL, the Certificate of Incorporation or these Bylaws, to any stockholder
to whom (1)&nbsp;notice of two consecutive annual meetings of stockholders and all notices of stockholder meetings or of the taking
of action by written consent of stockholders without a meeting to such stockholder during the period between such two consecutive
annual meetings, or (2)&nbsp;all, and at least two payments (if sent by first-class mail) of dividends or interest on securities
during a 12-month period, have been mailed addressed to such stockholder at such stockholder&#8217;s address as shown on the records
of the Corporation and have been returned undeliverable, the giving of such notice to such stockholder shall not be required. Any
action or meeting that shall be taken or held without notice to such stockholder shall have the same force and effect as if such
notice had been duly given. If any such stockholder shall deliver to the Corporation a written notice setting forth such stockholder&#8217;s
then current address, the requirement that notice be given to such stockholder shall be reinstated. In the event that the action
taken by the Corporation is such as to require the filing of a certificate with the Secretary of State of Delaware, the certificate
need not state that notice was not given to persons to whom notice was not required to be given pursuant to Section&nbsp;230(b)
of the DGCL. The exception in subsection (1)&nbsp;of the first sentence of this paragraph to the requirement that notice be given
shall not be applicable to any notice returned as undeliverable if the notice was given by electronic transmission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.4.
Waiver of Notice</B>. Whenever any notice is required to be given under applicable law, the Certificate of Incorporation, or these
Bylaws, a written waiver of such notice, signed by the person or persons entitled to said notice, or a waiver by electronic transmission
by the person entitled to said notice, whether before or after the time stated therein, shall be deemed equivalent to such required
notice. All such waivers shall be kept with the books of the Corporation. Attendance at a meeting shall constitute a waiver of
notice of such meeting, except where a person attends for the express purpose of objecting to the transaction of any business on
the ground that the meeting was not lawfully called or convened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt"><B>Section&nbsp;9.5. Meeting Attendance
via Remote Communication Equipment.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;<U>Stockholder
Meetings</U>. If authorized by the Board in its sole discretion, and subject to such guidelines and procedures as the Board may
adopt, stockholders entitled to vote at such meeting and proxy holders not physically present at a meeting of stockholders may,
by means of remote communication:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i) participate in
a meeting of stockholders; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii) be deemed present
in person and vote at a meeting of stockholders, whether such meeting is to be held at a designated place or solely by means of
remote communication, provided that (A)&nbsp;the Corporation shall implement reasonable measures to verify that each person deemed
present and permitted to vote at the meeting by means of remote communication is a stockholder or proxy holder, (B)&nbsp;the Corporation
shall implement reasonable measures to provide such stockholders and proxy holders a reasonable opportunity to participate in the
meeting and, if entitled to vote, to vote on matters submitted to the applicable stockholders, including an opportunity to read
or hear the proceedings of the meeting substantially concurrently with such proceedings, and (C)&nbsp;if any stockholder or proxy
holder votes or takes other action at the meeting by means of remote communication, a record of such votes or other action shall
be maintained by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;<U>Board Meetings</U>.
Unless otherwise restricted by applicable law, the Certificate of Incorporation or these Bylaws, members of the Board or any committee
thereof may participate in a meeting of the Board or any committee thereof by means of conference telephone or other communications
equipment by means of which all</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">persons participating in the meeting can
hear each other. Such participation in a meeting shall constitute presence in person at the meeting, except where a person participates
in the meeting for the express purpose of objecting to the transaction of any business on the ground that the meeting was not lawfully
called or convened.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.6.
Dividends</B>. The Board may from time to time declare, and the Corporation may pay, dividends (payable in cash, property or shares
of the Corporation&#8217;s capital stock) on the Corporation&#8217;s outstanding shares of capital stock, subject to applicable
law and the Certificate of Incorporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.7.
Reserves</B>. The Board may set apart out of the funds of the Corporation available for dividends a reserve or reserves for any
proper purpose and may abolish any such reserve.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.8.
Contracts and Negotiable Instruments</B>. Except as otherwise provided by applicable law, the Certificate of Incorporation or these
Bylaws, any contract, bond, deed, lease, mortgage or other instrument may be executed and delivered in the name and on behalf of
the Corporation by such officer or officers or other employee or employees of the Corporation as the Board may from time to time
authorize. Such authority may be general or confined to specific instances as the Board may determine. The Chairman of the Board,
the Chief Executive Officer, the President, the Chief Financial Officer, the Treasurer or any Vice President may execute and deliver
any contract, bond, deed, lease, mortgage or other instrument in the name and on behalf of the Corporation. Subject to any restrictions
imposed by the Board, the Chairman of the Board Chief Executive Officer, President, the Chief Financial Officer, the Treasurer
or any Vice President may delegate powers to execute and deliver any contract, bond, deed, lease, mortgage or other instrument
in the name and on behalf of the Corporation to other officers or employees of the Corporation under such person&#8217;s supervision
and authority, it being understood, however, that any such delegation of power shall not relieve such officer of responsibility
with respect to the exercise of such delegated power.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.9.
Fiscal Year</B>. The fiscal year of the Corporation shall be fixed by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.10.
Seal</B>. The Board may adopt a corporate seal, which shall be in such form as the Board determines. The seal may be used by causing
it or a facsimile thereof to be impressed, affixed or otherwise reproduced.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.11.
Books and Records</B>. The books and records of the Corporation may be kept within or outside the State of Delaware at such place
or places as may from time to time be designated by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.12.
Resignation</B>. Any director, committee member or officer may resign by giving notice thereof in writing or by electronic transmission
to the Chairman of the Board, the Chief Executive Officer, the President or the Secretary. The resignation shall take effect at
the time it is delivered unless the resignation specifies a later effective date or an effective date determined upon the happening
of an event or events. Unless otherwise specified therein, the acceptance of such resignation shall not be necessary to make it
effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.13.
Surety Bonds</B>. Such officers, employees and agents of the Corporation (if any) as the Chairman of the Board, Chief Executive
Officer, President or the Board may direct, from time to time, shall be bonded for the faithful performance of their duties and
for the restoration to the Corporation, in case of their death, resignation, retirement, disqualification or removal from office,
of all books, papers, vouchers, money and other property of whatever kind in their possession or under their control belonging
to the Corporation, in such amounts and by such surety companies as the Chairman of the Board, Chief Executive Officer, President
or the Board may determine. The premiums on such bonds shall be paid by the Corporation and the bonds so furnished shall be in
the custody of the Secretary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.14.
Securities of Other Corporations</B>. Powers of attorney, proxies, waivers of notice of meeting, consents in writing and other
instruments relating to securities owned by the Corporation may be executed in the name of and on behalf of the Corporation by
the Chairman of the Board, Chief Executive Officer, President, any Vice President or any officers authorized by the Board. Any
such officer, may, in the name of and on behalf of the Corporation, take all such action as any such officer may deem advisable
to vote in person or by proxy at any meeting of security holders of any corporation in which the Corporation may own securities,
or to consent in</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">writing, in the name of the Corporation
as such holder, to any action by such corporation, and at any such meeting or with respect to any such consent shall possess and
may exercise any and all rights and power incident to the ownership of such securities and which, as the owner thereof, the Corporation
might have exercised and possessed. The Board may from time to time confer like powers upon any other person or persons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section&nbsp;9.15.
Amendments</B>. The Board shall have the power to adopt, amend, alter or repeal the Bylaws. The affirmative vote of a majority
of the Board shall be required to adopt, amend, alter or repeal the Bylaws. The Bylaws also may be adopted, amended, altered or
repealed by the stockholders; provided, however, that in addition to any vote of the holders of any class or series of capital
stock of the Corporation required by applicable law or the Certificate of Incorporation, either (i) the affirmative vote of the
holders of at least a majority (except as otherwise provided in <U>Section 8.7</U>) of the voting power of capital stock of the
Corporation that are present in person or represented by proxy and are voted for or against such adoption, amendment, alteration
or repeal of the Bylaws at a meeting of the stockholders at which a quorum is present or (ii) the written consent of the holders
of at least a majority (except as otherwise provided in <U>Section 8.7</U>) of the voting power of all outstanding capital stock
of the Corporation, shall be required for the stockholders to adopt, amend, alter or repeal the Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>&nbsp;EXHIBIT C</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>AMENDMENT TO THE SPONSOR LETTER</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Amendment (this
 &ldquo;<U>Amendment and Agreement</U>&rdquo;) to that certain letter agreement (the &ldquo;<U>Original Letter Agreement</U>&rdquo;),
dated September 29, 2020, by and among FG New America Investors LLC, a Delaware limited liability company (the &ldquo;<U>Sponsor</U>&rdquo;),
FG New America Acquisition Corp., a Delaware corporation (the &ldquo;<U>Buyer</U>&rdquo;), and each of the undersigned individuals,
each of whom is a member of the Buyer's board of directors and/or management team (each, an &ldquo;<U>Insider</U>&rdquo; and collectively,
the &ldquo;<U>Insiders</U>,&rdquo; and together with the Sponsor and the Buyer, the &ldquo;<U>Parties</U>&rdquo;), is dated as
of [&#9679;], 2021 and entered into by and among the Sponsor, the Buyer, Opportunity Financial, LLC, a Delaware limited liability
company (the &ldquo;<U>Company</U>&rdquo;), and Todd Schwartz (the &ldquo;<U>Members&rsquo; Representative</U>&rdquo;). Capitalized
terms used and not otherwise defined herein have the meanings set forth in the Original Letter Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, this Amendment
and Agreement is being delivered in connection with the Business Combination Agreement (as defined in <U>Section 1(a)</U> of this
Amendment and Agreement) pursuant to which the Buyer will effectuate a business combination with the Company, on the terms and
subject to the conditions set forth therein;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, pursuant to
Section 13 of the Original Letter Agreement, the Original Letter Agreement may be amended by an instrument in writing and signed
by the Parties; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, in order to
induce the Company to enter into the Business Combination Agreement, the Parties wish to amend the Original Letter Agreement on
the terms set forth herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in
consideration of the foregoing recitals, which shall constitute a part of this Amendment and Agreement, and the mutual promises
contained in this Amendment and Agreement, and intending to be legally bound thereby, the Parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: justify"><U>Certain Amendments to the Original Letter Agreement</U>. The Original Letter Agreement is hereby
amended as follows:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a.</TD><TD STYLE="text-align: justify">The below shall be added as Section 21 immediately following the existing Section 20:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&ldquo;21. <U>Waiver of Anti-Dilution
Rights</U>. Section 4.3(b)(i) of the Charter provides that each share of Class B Common Stock of the Buyer, par value $0.0001 per
share (the &ldquo;<U>Class B Common Stock</U>&rdquo;), shall automatically convert into one share of Class A Common Stock on a
one-for-one basis (the &ldquo;<U>Initial Conversion Ratio</U>&rdquo;) automatically concurrently with or immediately following
the closing of the Business Combination, and Section 4.3(b)(ii) of the Charter provides that the Initial Conversion Ratio shall
be adjusted (the &ldquo;<U>Adjustment</U>&rdquo;) in the event that additional shares of Class A Common Stock or equity-linked
securities are issued or deemed issued in excess of the amounts offered in the Buyer's initial public offering of securities and
related to or in connection with the closing of the initial Business Combination such that the Sponsor and the Insiders shall continue
to own 25% of the issued and outstanding shares of Class A Common Stock after giving effect to such issuance. As of and conditioned
upon the Closing (as such term is defined in the Business Combination Agreement), the Sponsor and each Insider hereby irrevocably
relinquishes and waives any and all rights the Sponsor and each Insider has or will have under Section 4.3(b)(ii) of the Charter
to receive shares of Class A Common Stock in excess of the number issuable at the Initial Conversion Ratio upon conversion of the
existing Class B Common Stock held by him, her or it, as applicable, in connection with the Closing as a result of any Adjustment,
and, as a result, the shares of Class B Common Stock shall convert into shares of Class A Common Stock (or such equivalent security)
at Closing on a one-for-one basis such that, as a result of such conversion, all outstanding shares of Class B Common Stock shall
collectively convert into 5,943,750 shares of Class A Common Stock. When used</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">herein, &ldquo;<U>Business Combination
Agreement</U>&rdquo; means that certain Business Combination Agreement, dated as of February 9, 2021, by and among FG New America
Acquisition Corp., a Delaware corporation (the &ldquo;<U>Buyer</U>&rdquo;), Opportunity Financial, LLC, a Delaware limited liability
company (the &ldquo;<U>Company</U>&rdquo;), OppFi Shares, LLC, a Delaware limited liability company, and Todd Schwartz (the &ldquo;<U>Members&rsquo;
Representative</U>&rdquo;), as the same may be amended modified, supplemented or waived from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b.</TD><TD STYLE="text-align: justify">Section 15 of the Original Letter Agreement is hereby replaced in its entirety with the following:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&ldquo;Except as set forth in
the last sentence of this <U>Section 15</U>, nothing in this Letter Agreement shall be construed to confer upon, or give to, any
person or corporation other than the parties hereto any right, remedy, or claim under or by reason of this Letter Agreement or
any covenant, condition, stipulation, promise or agreement hereof. Except as set forth in the last sentence of this <U>Section
15</U>, all covenants, conditions, stipulations, promises and agreements contained in this Letter Agreement shall be for the sole
and exclusive benefit of the parties hereto and their successors, heirs, personal representatives and assigns and permitted transferees.
Notwithstanding anything to the contrary contained herein, both the Company and the Members' Representative are express third party
beneficiaries of this Letter Agreement and may directly enforce (including by an action for specific performance, injunctive relief
or other equitable relief) each of the provisions set forth in this Letter Agreement as though directly party hereto and thereto;
<U>provided</U> that, to the extent the Business Combination Agreement is terminated for any reason, neither the Company nor the
Members' Representative shall remain a third party beneficiary of this Letter Agreement for any purpose and shall have no right
to directly enforce (including by an action for specific performance, injunctive relief or other equitable relief) any of the provisions
set forth in this Letter Agreement in any respects.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c.</TD><TD STYLE="text-align: justify">Section 7(b) of the Original Letter Agreement is hereby amended by adding the following sentence
at the end of the section:</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&ldquo;Notwithstanding anything
to the contrary in this Section 7, the Lock-Up Period for Equity Securities held directly by Joseph Moglia and any Equity Securities
which are distributed or distributable by the Sponsor shall be two years after the completion of the Company&rsquo;s initial Business
Combination.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">2.</TD><TD STYLE="text-align: justify"><U>Effect of Amendment</U>. The provisions of the Original Letter Agreement, as amended by this
Amendment and Agreement, remain in full force and effect. From and after the date hereof, references to &ldquo;this Letter Agreement&rdquo;
in the Original Letter Agreement shall be deemed references to the Original Letter Agreement, as amended by this Amendment and
Agreement. Notwithstanding anything herein to the contrary, and for the avoidance of doubt, in the event the Business Combination
Agreement is terminated pursuant to Article IX thereof for any reason, this Amendment and Agreement shall automatically terminate
and cease to be of further force and effect.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">3.</TD><TD STYLE="text-align: justify"><U>Entire Agreement</U>. This Amendment and Agreement and the Original Letter Agreement, as amended
pursuant to this Amendment and Agreement, and the Business Combination Agreement constitute the entire agreement and supersede
all prior agreements and understandings, both written and oral, among the Parties with respect to the subject matter hereof.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">4.</TD><TD STYLE="text-align: justify"><U>Miscellaneous</U>. Sections 16, 17 and 18 of the Original Letter Agreement are hereby incorporated
by reference and shall apply <I>mutatis mutandis </I>as if set forth at length herein. Descriptive headings are for convenience
only and shall not control or affect the meaning or construction of any provision of this Amendment and Agreement.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">* * *</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">IN WITNESS WHEREOF, each of the undersigned
has caused this Amendment and Agreement to be duly executed as of the day and year first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>FG NEW AMERICA INVESTORS LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">By: __________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Name: Larry G. Swets, Jr.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Title: Manager</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">______________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Larry G. Swets, Jr.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">______________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">D. Kyle Cerminara</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">______________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Joseph Hugh Moglia</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">______________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Robert Weeks</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">______________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Nicholas Rudd</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">______________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Hassan Baqar</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Amendment to the Sponsor
Letter</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Acknowledged and agreed:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>FG NEW AMERICA ACQUISITION CORP.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">By:________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Name: Larry G. Swets, Jr.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Title: Chief Executive Officer</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Amendment to the Sponsor
Letter</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Acknowledged and Agreed:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>Company</U></B>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Opportunity Financial, LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">By:________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Name:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Title:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><U>MEMBERS' REPRESENTATIVE</U></B>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Todd Schwartz</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">By:________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Name: Todd Schwartz</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Title:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Amendment to the Sponsor
Letter</I>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT D</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>THIRD AMENDED AND RESTATED</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>LIMITED LIABILITY COMPANY AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OPPORTUNITY FINANCIAL, LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(a Delaware limited liability company)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Dated as of [&#9679;], 2021</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>___________________________</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7in; text-align: justify">THE SECURITIES EVIDENCED HEREBY HAVE
NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE &#8220;SECURITIES ACT&#8221;), OR THE SECURITIES LAWS OF
ANY STATE OR ANY OTHER APPLICABLE SECURITIES LAWS AND ARE BEING SOLD IN RELIANCE UPON EXEMPTIONS FROM THE REGISTRATION REQUIREMENTS
OF THE SECURITIES ACT AND SUCH LAWS. SUCH SECURITIES MUST BE ACQUIRED FOR INVESTMENT ONLY AND MAY NOT BE OFFERED FOR SALE, PLEDGED,
HYPOTHECATED, SOLD, ASSIGNED OR TRANSFERRED AT ANY TIME EXCEPT IN COMPLIANCE WITH (I) THE SECURITIES ACT, ANY APPLICABLE STATE
SECURITIES LAWS AND ANY OTHER APPLICABLE SECURITIES LAWS; AND (II) THE TERMS AND CONDITIONS OF THIS THIRD AMENDED AND RESTATED
LIMITED LIABILITY COMPANY AGREEMENT IN THE ABSENCE OF SUCH REGISTRATION, UNLESS THE TRANSFEROR DELIVERS TO THE COMPANY AN OPINION
OF COUNSEL SATISFACTORY TO THE COMPANY, TO THE EFFECT THAT THE PROPOSED SALE,</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.7in; text-align: justify">TRANSFER OR OTHER DISPOSITION MAY BE
EFFECTED WITHOUT REGISTRATION UNDER THE SECURITIES ACT AND UNDER APPLICABLE STATE SECURITIES OR &#8220;BLUE SKY&#8221; LAWS.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>TABLE
OF CONTENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article I DEFINED TERMS</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 12pt; padding-bottom: 0in">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 1.1&nbsp;&nbsp;&nbsp;Definitions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 1.2&nbsp;&nbsp;&nbsp;Interpretation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article II GENERAL PROVISIONS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.1&nbsp;&nbsp;&nbsp;Formation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.2&nbsp;&nbsp;&nbsp;Name</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.3&nbsp;&nbsp;&nbsp;Principal Place of Business; Other Places of Business</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.4&nbsp;&nbsp;&nbsp;Designated Agent</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.5&nbsp;&nbsp;&nbsp;Term</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.6&nbsp;&nbsp;&nbsp;No State Law Partnership; Federal Income Tax Status</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.7&nbsp;&nbsp;&nbsp;Business Purpose</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.8&nbsp;&nbsp;&nbsp;Powers</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.9&nbsp;&nbsp;&nbsp;Certificates; Filings</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.10&nbsp;&nbsp;&nbsp;Representations and Warranties by the Members</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 2.11&nbsp;&nbsp;&nbsp;References to Certain Equity Securities</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article III Recapitalization</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 3.1&nbsp;&nbsp;&nbsp;Recapitalization</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article IV CLASSES OF COMPANY INTERESTS; CAPITAL CONTRIBUTIONS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 4.1&nbsp;&nbsp;&nbsp;Classes of Company Interests; Capital Contributions of the Members</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">18</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 4.2&nbsp;&nbsp;&nbsp;Issuances of Additional Company Interests</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 4.3&nbsp;&nbsp;&nbsp;Additional Funds and Capital Contributions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 4.4&nbsp;&nbsp;&nbsp;Issuances; Repurchases and Redemptions; Recapitalizations</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 4.5&nbsp;&nbsp;&nbsp;No Interest; No Return</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">23</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 4.6&nbsp;&nbsp;&nbsp;Capital Accounts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">23</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article V DISTRIBUTIONS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">24</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 5.1&nbsp;&nbsp;&nbsp;Distributions Generally</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">24</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 5.2&nbsp;&nbsp;&nbsp;Tax Distributions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">24</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 5.3&nbsp;&nbsp;&nbsp;Distributions in Kind</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">24</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 5.4&nbsp;&nbsp;&nbsp;Distributions to Reflect Additional Company Units</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">25</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 5.5&nbsp;&nbsp;&nbsp;Restricted Distributions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">25</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 5.6&nbsp;&nbsp;&nbsp;Use of Distributions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">25</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article VI ALLOCATIONS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">26</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 6.1&nbsp;&nbsp;&nbsp;General Allocations</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">26</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 6.2&nbsp;&nbsp;&nbsp;Additional Allocation Provisions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">26</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 6.3&nbsp;&nbsp;&nbsp;Tax Allocations</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 6.4&nbsp;&nbsp;&nbsp;Other Allocation Rules</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 6.5&nbsp;&nbsp;&nbsp;Earnout Company Units</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">29</TD></TR>
</TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article VII OPERATIONS</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 12pt; padding-bottom: 0in">30</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 7.1&nbsp;&nbsp;&nbsp;Management</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">30</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 7.2&nbsp;&nbsp;&nbsp;Compensation and Advances</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">33</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 7.3&nbsp;&nbsp;&nbsp;Outside Activities</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">34</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 7.4&nbsp;&nbsp;&nbsp;Transactions with Affiliates</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">34</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 7.5&nbsp;&nbsp;&nbsp;Liability of Members; Fiduciary and Other Duties; Indemnification</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">35</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 7.6&nbsp;&nbsp;&nbsp;Indemnification</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">36</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article VIII RIGHTS AND OBLIGATIONS OF MEMBERS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">37</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 8.1&nbsp;&nbsp;&nbsp;Return of Capital</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">37</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 8.2&nbsp;&nbsp;&nbsp;Rights of Members Relating to the Company</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">38</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article IX BOOKS AND RECORDS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">38</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 9.1&nbsp;&nbsp;&nbsp;Books and Records</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">38</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 9.2&nbsp;&nbsp;&nbsp;Inspection</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">38</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article X TAX MATTERS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">38</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 10.1&nbsp;&nbsp;&nbsp;Preparation of Tax Returns</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">38</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 10.2&nbsp;&nbsp;&nbsp;Tax Elections</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">39</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 10.3&nbsp;&nbsp;&nbsp;Partnership Representative</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">39</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 10.4&nbsp;&nbsp;&nbsp;Withholding Tax Indemnification.</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">40</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article XI MEMBER TRANSFERS AND WITHDRAWALS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">41</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 11.1&nbsp;&nbsp;&nbsp;Transfer</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">41</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 11.2&nbsp;&nbsp;&nbsp;Transfer of Managing Member&#8217;s Company Interest</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">42</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 11.3&nbsp;&nbsp;&nbsp;Members&#8217; Rights to Transfer</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">42</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 11.4&nbsp;&nbsp;&nbsp;Substituted Members</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">43</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 11.5&nbsp;&nbsp;&nbsp;Assignees</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 11.6&nbsp;&nbsp;&nbsp;General Provisions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article XII DISSOLUTION, LIQUIDATION AND TERMINATION</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 12.1&nbsp;&nbsp;&nbsp;No Dissolution</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 12.2&nbsp;&nbsp;&nbsp;Events Causing Dissolution</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 12.3&nbsp;&nbsp;&nbsp;Distribution upon Dissolution</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 12.4&nbsp;&nbsp;&nbsp;Rights of Holders</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 12.5&nbsp;&nbsp;&nbsp;Termination</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 12.6&nbsp;&nbsp;&nbsp;Reasonable Time for Winding-Up</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article XIII AMENDMENTS; MEETINGS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 13.1&nbsp;&nbsp;&nbsp;Amendments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 13.2&nbsp;&nbsp;&nbsp;Procedures for Meetings and Actions of the Members</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article XIV EXCHANGE RIGHTS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 14.1&nbsp;&nbsp;&nbsp;Exchange Rights of the Members</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">50</TD></TR>
</TABLE>
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<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; text-indent: -1.2in; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.2in">Article XV MISCELLANEOUS</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 12pt; padding-bottom: 0in">55</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.1&nbsp;&nbsp;&nbsp;Company Counsel</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">55</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.2&nbsp;&nbsp;&nbsp;Appointment of Managing Member as Attorney-in-Fact</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">55</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.3&nbsp;&nbsp;&nbsp;Arbitration</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">56</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.4&nbsp;&nbsp;&nbsp;Accounting and Fiscal Year</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">57</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.5&nbsp;&nbsp;&nbsp;Entire Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">58</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.6&nbsp;&nbsp;&nbsp;Further Assurances</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">58</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.7&nbsp;&nbsp;&nbsp;Notices</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">58</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.8&nbsp;&nbsp;&nbsp;Governing Law</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">58</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.9&nbsp;&nbsp;&nbsp;Construction</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">58</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.10&nbsp;&nbsp;&nbsp;Binding Effect</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">58</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.11&nbsp;&nbsp;&nbsp;Severability</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">59</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.12&nbsp;&nbsp;&nbsp;Confidentiality</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">59</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.13&nbsp;&nbsp;&nbsp;Consent to Use of Name</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">61</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.14&nbsp;&nbsp;&nbsp;Consent by Spouse</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">61</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.15&nbsp;&nbsp;&nbsp;Counterparts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.16&nbsp;&nbsp;&nbsp;Survival</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.17&nbsp;&nbsp;&nbsp;Anti-Money Laundering</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0in; padding-left: 1in">Section 15.18&nbsp;&nbsp;&nbsp;Third Party Beneficiary</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">62</TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>THIRD AMENDED AND RESTATED LIMITED LIABILITY
COMPANY AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>OPPORTUNITY FINANCIAL, LLC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Third Amended
and Restated Limited Liability Company Agreement (as amended, supplemented or restated from time to time in accordance herewith,
this &#8220;<U>Agreement</U>&#8221;) of Opportunity Financial, LLC (the &#8220;<U>Company</U>&#8221;), dated as of [&#9679;], 2021,
is entered by and among the Company, the Founder (as defined herein), the Managing Member (as defined herein) and the other Members
(as defined herein).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Company
was formed as a limited liability company under the Act by the filing of a Certificate of Formation in the Office of the Secretary
of State of the State of Delaware on December 4, 2015 (the &#8220;<U>Formation Date</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Company
adopted a Limited Liability Company Operating Agreement of the Company on December 4, 2015, which was amended and restated on December
4, 2015, and which was further amended and restated on November 9, 2018 (as amended, the &#8220;<U>Prior LLC Agreement</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, in connection
with a series of transactions effected pursuant to that certain Business Combination Agreement, dated as of February 9, 2021, by
and among the Company, the Managing Member, and the Founder, as the Members&#8217; Representative (as amended, modified, supplemented
or waived from time to time in accordance with its terms, the &#8220;<U>Business Combination Agreement</U>&#8221;), the Managing
Member (in its capacity as a Member and as the Managing Member), the Founder (in his capacity as a Member and as the Original Member
Representative (as defined herein)) and the Original Members (as defined herein) now desire to amend and restate the Prior LLC
Agreement to reflect, amongst other things: (a)&nbsp;the recapitalization of the Company to convert the Pre-Closing Units (as defined
herein) held by the Continuing Members (as defined herein) into Class A Common Units (as defined herein) in such amounts as set
forth in this Agreement (the &#8220;<U>Recapitalization</U>&#8221;), (b) the Managing Member&#8217;s designation as the sole Managing
Member of the Company, and (c)&nbsp;the rights and obligations of the Members and other terms and provisions, in each case as set
forth in this Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in
consideration of the mutual covenants and agreements contained herein and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties to this Agreement, intending to be legally bound, agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
I</FONT><BR>
DEFINED TERMS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 1.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Definitions</U>. The following definitions shall be for all purposes, unless otherwise clearly indicated to the contrary,
applied to the terms used in this Agreement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Act</U>&#8221;
means the Delaware Limited Liability Company Act, 6 Del. L. &sect;18-101, et. seq., as amended from time to time (or any corresponding
provisions of succeeding law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Adjusted
Capital Account Deficit</U>&#8221; means the deficit balance, if any, in such Member&#8217;s Capital Account at the end of any
Fiscal Year or other taxable period, with the following adjustments:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>credit to such Capital Account any amount that such Member is obligated to restore under Regulations Section 1.704-1(b)(2)(ii)(c),
as well as any addition thereto pursuant to the next to last sentences of Regulations Sections 1.704-2(g)(1) and 1.704-2(i)(5)
after taking into account thereunder any changes during such year in Company Minimum Gain and Member Minimum Gain; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>debit to such Capital Account the items described in Regulations Sections 1.704-1(b) (2)(ii)(d)(4), (5) and (6).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This definition of
Adjusted Capital Account Deficit is intended to comply with the provisions of Regulations Section 1.704-1(b)(2)(ii)(d) and shall
be interpreted consistently therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Affiliate</U>&#8221;
of any particular Person means any other Person, directly or indirectly, controlling, controlled by, or under common control with
such Person, where &#8220;<U>control</U>&#8221; means the possession, directly or indirectly, of the power to direct or cause the
direction of the management and policies of a Person whether through the ownership of voting securities, its capacity as a sole
or managing member, by contract, or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Agreement</U>&#8221;
means this Third Amended and Restated Limited Liability Company Agreement of Opportunity Financial, LLC, together with the Schedules
and Exhibits hereto, as now or hereafter amended, restated, modified, supplemented or replaced.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Appraiser
FMV</U>&#8221; means the fair market value of any Class A Share as determined by an independent appraiser mutually agreed upon
by the Managing Member and the relevant Exchanging Member, whose determination shall be final and binding for those purposes for
which Appraiser FMV is used in this Agreement. Appraiser FMV shall be the fair market value determined without regard to any discounts
for minority interest, illiquidity, or other discounts. The cost of any independent appraisal in connection with the determination
of Appraiser FMV in accordance with this Agreement shall be borne by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Assets</U>&#8221;
means any assets and property of the Company, and &#8220;<U>Asset</U>&#8221; means any one such asset or property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Assi</U>g<U>nee</U>&#8221;
means a Person to whom a Company Interest has been Transferred but who has not become a Substituted Member, and who has the rights
set forth in <U>Section 11.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Assumed Tax
Liabilit</U>y&#8221; means, with respect to a Member for a taxable period, an amount equal to the United States federal, state
and local income taxes (including applicable estimated taxes) that the Managing Member reasonably estimates would be due from such
Member as of such Tax Distribution Date for such taxable period, (a) assuming such Member earned solely the items of income, gain,
deduction, loss, and/or credit allocated to such Member by the Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">for such taxable period, (b) assuming that
such Member is subject to tax at the Assumed Tax Rate, and (c) computed without regard to any increases to the tax basis in the
Company pursuant to Sections 734(b) or 743(b) of the Code. In the case of the Managing Member, such Assumed Tax Liability shall
also be computed without regard to any other step-up in basis for which the Managing Member is required to make payments under
the Tax Receivables Agreement. In addition, for the avoidance of doubt, any item of income, gain, loss, or credit earned by the
Company prior to the Closing Date shall be disregarded for purposes of calculating any Member&#8217;s Assumed Tax Liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Assumed Tax
Rate</U>&#8221; means the higher of the highest combined maximum marginal United States federal, state and local income tax rate
((w) taking into account the tax on net investment income under Section 1411 of the Code, (x) not taking into account any deduction
under Code Section 199A or any similar state or local law, (y) taking into account the character (e.g., capital gains or losses,
dividends, ordinary income, etc.) of the applicable items of income, and (z) taking into account the deductibility of state and
local taxes to the extent applicable), applicable to (A) an individual residing in New York, California or Illinois (whichever
results in the application of the highest state and local tax rate) or (B) a corporation doing business in New York, California
or Illinois (whichever results in the application of the highest state and local tax rate) during each applicable Fiscal Quarter
with respect to such taxable income as determined by the Managing Member in good faith (subject to the approval of the Original
Member Representative).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>BBA Rules</U>&#8221;
means Code Sections 6221 through 6241, together with any guidance issued thereunder or successor provisions and any similar provision
of state or local tax laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Board</U>&#8221;
means the board of directors of the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Business
Da</U>y&#8221; means any day except a Saturday, a Sunday or any other day on which commercial banks are required or authorized
to close in the State of New York.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Capital Account</U>&#8221;
means, with respect to any Member, the capital account maintained by the Managing Member for such Member on the Company&#8217;s
books and records in accordance with <U>Section 4.6</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Capital Contribution</U>&#8221;
means, with respect to any Member, the amount of money and the initial Gross Asset Value of any Contributed Asset (other than money)
that such Member contributes to the Company or is deemed to contribute pursuant to <U>Article IV</U>. As of the date of this Agreement,
each Member shall be deemed to have made Capital Contributions equal to the Closing Date Capital Account Balance of such Member
set forth next to such Member&#8217;s name on <U>Exhibit A</U> hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Capital Share</U>&#8221;
means a share of any class or series of stock of the Managing Member now or hereafter authorized, other than a Class A Share or
a Class V Share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Cash Exchan</U>g<U>e
Class A 3-Day VWAP</U>&#8221; means the arithmetic average of the VWAP for each of the three (3) consecutive Trading Days ending
on the Trading Day immediately prior to the Exchange Notice Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Cash Exchan</U>g<U>e
Pa</U>y<U>ment</U>&#8221; means with respect to a particular Exchange (including a Direct Exchange) for which the Managing Member,
on behalf of the Company, or the Managing Member, as applicable, has elected to make a Cash Exchange Payment in accordance with
<U>Section 14.1(a)(ii)</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if the Class A Shares trade on a National Securities Exchange or automated or electronic quotation system, an amount of
cash equal to the product of (x) the number of Class A Shares that would have been received by the Exchanging Member in the Exchange
(or Direct Exchange) for that portion of the Class A Common Units subject to the Exchange set forth in the Cash Exchange Notice
if the Company or the Managing Member, as applicable, had paid the Stock Exchange Payment with respect to such number of Class
A Common Units, and (y) the Cash Exchange Class A 3-Day VWAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if the Class A Shares are not then traded on a National Securities Exchange or automated or electronic quotation system,
as applicable, an amount of cash equal to the product of (x) the number of Class A Shares that would have been received by the
Exchanging Member in the Exchange (or Direct Exchange) for that portion of the Class A Common Units subject to the Exchange set
forth in the Cash Exchange Notice if the Company had paid the Stock Exchange Payment with respect to such number of Class A Common
Units, for which the Managing Member has elected to make a Cash Exchange Payment and (y) the Appraiser FMV of one (1) Class A Share
that would be obtained in an arms-length transaction between an informed and willing buyer and an informed and willing seller,
neither of whom is under any compulsion to buy or sell, respectively, and without regard to the particular circumstances of the
buyer or seller; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>provided that, if a Holder in an Exchange Notice makes an Exchange (including a Direct Exchange) contingent (including as
to timing) upon an event determined pursuant to the second sentence of <U>Section 14.1(a)(i)</U>, the Cash Exchange Payment shall
in no event be less than an amount equal to the product of (x) the number of Class A Shares that would have been received by the
Exchanging Member in the Exchange (or Direct Exchange) for that portion of the Class A Common Units subject to the Exchange set
forth in the Cash Exchange Notice if the Company had paid the Stock Exchange Payment with respect to such number of Class A Common
Units, for which the Managing Member has elected to make a Cash Exchange Payment and (y) the amount payable in respect of one (1)
Class A Share in the event that the Exchange is made contingent upon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Certificate</U>&#8221;
means the Certificate of Formation executed and filed in the Office of the Secretary of State of the State of Delaware (and any
and all amendments thereto and restatements thereof) on behalf of the Company pursuant to the Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Charter</U>&#8221;
means the certificate of incorporation of the Managing Member, as may be amended, restated, or amended and restated from time to
time, within the meaning of Section 104 of the General Corporation Law of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Class A Common
Unit</U>&#8221; means a fractional share of the Company Interests of all Members issued pursuant to <U>Sections 4.1</U> and <U>4.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Class A Share</U>&#8221;
means a share of Class A common stock of the Managing Member, par value one ten-thousandth of one dollar ($0.0001) per share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Class V Share</U>&#8221;
means a share of Class V voting stock of the Managing Member, par value one ten-thousandth of one dollar ($0.0001) per share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>CILA</U>&#8221;
has the meaning set forth in <U>Section 2.7</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Closin</U>g
<U>Date</U>&#8221; means the Closing Date under the Business Combination Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Code</U>&#8221;
means the United States Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company</U>&#8221;
means Opportunity Financial, LLC, the limited liability company formed and continued under the Act and pursuant to this Agreement,
and any successor thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Employee</U>&#8221;
means an employee of the Company or an employee of a Subsidiary of the Company, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Interest</U>&#8221;
means an ownership interest in the Company held by either a Member or the Managing Member and includes any and all benefits to
which the holder of such a Company Interest may be entitled as provided in this Agreement, together with all obligations of such
Person to comply with the terms and provisions of this Agreement. There may be one or more classes or series of Company Interests.
A Company Interest may be expressed as a number of Class A Common Units or other Company Units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Minimum
Gain</U>&#8221; has the meaning set forth for the term &#8220;partnership minimum gain&#8221; in Regulations section 1.704-2(b)(2)
and is computed in accordance with Regulation section 1.704-2(d).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Record
Date</U>&#8221; means the record date established by the Managing Member for the purpose of determining the Members entitled to
notice of or to vote at any meeting of Members or to consent to any matter, or to receive any distribution or the allotment of
any other rights, or in order to make a determination of Members for any other proper purpose, which, in the case of a record date
fixed for the determination of Members entitled to receive any distribution, shall (unless otherwise determined by the Managing
Member) generally be the same as the record date established by the Managing Member for a distribution to its stockholders of some
or all of its portion of such distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Company Unit</U>&#8221;
means a Class A Common Unit or any other fractional share of the Company Interests that the Managing Member has authorized pursuant
to <U>Section 4.1</U>, <U>Section 4.2</U>, or <U>Section 4.3</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Consumer
Loans</U>&#8221; has the meaning set forth in <U>Section 2.7</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Contributed
Asset</U>&#8221; means each Asset or other asset, in such form as may be permitted by the Act, but excluding cash, contributed
or deemed contributed to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Controlled
Entit</U>y&#8221; means, as to any Person, (a) any corporation more than fifty percent (50%) of the outstanding voting stock of
which is owned by such Person or such Person&#8217;s Family Members or Affiliates, (b) any trust, whether or not revocable, of
which such Person or such Person&#8217;s Family Members or Affiliates are the sole beneficiaries, (c) any partnership of which
such Person or an Affiliate of such Person is the general or managing partner or in which such Person or such Person&#8217;s Family
Members or Affiliates hold partnership interests representing at least fifty percent (50%) of such partnership&#8217;s capital
and profits and (d) any limited liability company of which such Person or an Affiliate of such Person is the manager or managing
member or in which such Person or such Person&#8217;s Family Members or Affiliates hold membership interests representing at least
fifty percent (50%) of such limited liability company&#8217;s capital and profits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Debt</U>&#8221;
means, as to any Person, as of any date of determination, (a) all indebtedness of such Person for borrowed money or for the deferred
purchase price of property or services, (b) all amounts owed by such Person to banks or other Persons in respect of reimbursement
obligations under letters of credit, surety bonds and other similar instruments guaranteeing payment or other performance of obligations
by such Person, (c) all indebtedness for borrowed money or for the deferred purchase price of property or services secured by any
lien on any property owned by such Person, to the extent attributable to such Person&#8217;s interest in such property, even though
such Person has not assumed or become liable for the payment thereof, and (d) obligations of such Person as lessee under capital
leases.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>De Minimis</U>&#8221;
shall mean an amount small enough as to make not accounting for it commercially reasonable or accounting for it administratively
impractical, in each case as determined by the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Depreciation</U>&#8221;
means, for each Fiscal Year or other applicable period, an amount equal to the federal income tax depreciation, amortization or
other cost recovery deduction allowable under United States federal income tax principles with respect to an asset for such year
or other period, except that if the Gross Asset Value of an asset differs from its adjusted basis for federal income tax purposes
at the beginning of such year or period, Depreciation shall be in an amount that bears the same ratio to such beginning Gross Asset
Value as the federal income tax depreciation, amortization or other cost recovery deduction for such year or other period bears
to such beginning adjusted tax basis; <U>provided</U>, <U>however</U>, that if the federal income tax depreciation, amortization
or other cost recovery deduction for such year or period is zero, Depreciation shall be determined with reference to such beginning
Gross Asset Value using any reasonable method selected by the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Earnout Company
Units</U>&#8221; has the meaning set forth in the Business Combination Agreement. The Earnout Company Units issued and outstanding
as of the Closing Date are held by the Holders thereof as set forth on <U>Exhibit A</U> attached hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Effective
Time</U>&#8221; means the time of the &#8220;Closing&#8221; as defined in the Business Combination Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Equity Plan</U>&#8221;
means any plan, agreement, or other arrangement that provides for the grant or issuance of equity or equity-based awards and that
is now in effect or is hereafter adopted by the Company or the Managing Member for the benefit of any of their respective employees
or other service providers (including directors, advisers and consultants), or the employees or other services providers (including
directors, advisers and consultants) of any of their respective Affiliates or Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Equity Securities</U>&#8221;
means, with respect to any Person, all of the shares of capital stock or equity of (or other ownership or profit interests in)
such Person, all of the warrants, options, or other rights for the purchase or acquisition from such Person of shares of capital
stock or preferred interests or equity of (or other ownership or profit interests in) such Person, all of the securities convertible
into or exchangeable for shares of capital stock or equity of (or other ownership or profit interests in) such Person or warrants,
rights, or options for the purchase or acquisition from such Person of such shares or equity (or such other interests), restricted
stock awards, restricted stock units, equity appreciation rights, phantom equity rights, profit participation and all of the other
ownership or profit interests of such Person (including partnership or member interests therein), whether voting or nonvoting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>ERISA</U>&#8221;
means the Employee Retirement Income Security Act of 1974, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Exchan</U>ge&#8221;
means the exchange by the Company of Class A Common Units held by a Member (together with the surrender and cancellation of the
same number of outstanding Class V Shares held by the Original Member Representative) for either (a) a Stock Exchange Payment or
(b) a Cash Exchange Payment, in each case, in accordance with <U>Section 14.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Exchange
Act</U>&#8221; means the Securities Exchange Act of 1934, as amended, and any successor statute thereto, and the rules and regulations
of the SEC promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Exchange
Date</U>&#8221; means the latest of (a) the date that is five (5) Business Days after the Exchange Notice Date, (b) the date specified
in the Exchange Notice, or (c) the date on which a contingency described in <U>Section 14.1(a)(i)</U> that is specified in the
Exchange Notice is satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Exchan</U>g<U>e
Notice</U>&#8221; means a written election in the form of <U>Exhibit B</U>, attached hereto; provided that the Exchange Notice
may be modified by, as elected by a Holder, to address any contingency referred to in the second sentence of <U>Section 14.1(a)(i)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Exchan</U>g<U>e
Notice Date</U>&#8221; means, with respect to any Exchange Notice, the date such Exchange Notice is given to the Company in accordance
with <U>Section 14.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Exchan</U>g<U>ed
Units</U>&#8221; means, with respect to any Exchange (or Direct Exchange), the Class A Common Units being exchanged pursuant to
a relevant Exchange Notice, and an equal number of Class V Shares being surrendered or cancelled by the Original Member Representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Exchanging
Member</U>&#8221; means any Member holding Class A Common Units (other than the Managing Member) whose Class A Common Units are
subject to an Exchange (or Direct Exchange).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Family Members</U>&#8221;
means, as to a Person that is an individual, such Person&#8217;s spouse, ancestors, descendants (whether by blood, marriage, or
adoption), brothers and sisters (whether by blood, marriage or adoption) and <I>inter vivos</I> or testamentary trusts of which
only such Person or his spouse, ancestors, descendants (whether by blood, marriage, or adoption), brothers, or sisters (whether
by blood, marriage or adoption) are beneficiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Fiscal Year</U>&#8221;
has the meaning set forth in <U>Section 15.4</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Founder</U>&#8221;
means Todd G. Schwartz and, upon his death or disability, the personal representative thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Funding Debt</U>&#8221;
means any Debt incurred by or on behalf of the Managing Member for the purpose of providing funds to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Gross Asset
Value</U>&#8221; means, with respect to any asset, the asset&#8217;s adjusted basis for federal income tax purposes, except as
follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The initial Gross Asset Value of any asset contributed by a Member to the Company shall be the gross fair market value of
such asset as determined by the Managing Member (with the approval of the Original Member Representative, such approval not to
be unreasonably withheld, delayed, or conditioned) using such reasonable method of valuation as it may adopt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Gross Asset Values of all Company assets immediately prior to the occurrence of any event described below (x) may, except
in the case of (ii)(3) and (ii)(5), if and as determined by the Managing Member (with the approval of the Original Member Representative,
such approval not to be unreasonably withheld, delayed, or conditioned), and (y) shall, in the case of (ii)(3), and (z) shall,
in the case of (ii)(5), except that the Managing Member and the Original Member Representative may elect otherwise, be adjusted
to equal their respective gross fair market values (taking Section 7701(g) of the Code into account), using such reasonable method
of valuation as it may adopt, as of the following times:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(1)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the acquisition of an additional interest in the Company (including acquisitions pursuant to <U>Section 4.2</U> or contributions
or deemed contributions by the Managing Member pursuant to <U>Section 4.2</U>) by a new or existing Member in exchange for more
than a <I>De Minimis </I>Capital Contribution, if the Managing Member reasonably determines that such adjustment is necessary or
appropriate to reflect the relative economic interests of the Members in the Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(2)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the distribution by the Company to a Member of more than a <I>De Minimis </I>amount of Company property as consideration
for an interest in the Company if the Managing Member reasonably determines that such adjustment is necessary or appropriate to
reflect the relative economic interests of the Members in the Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(3)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the liquidation of the Company within the meaning of Regulations section 1.704-1(b)(2)(ii)(g);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(4)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> the acquisition of an interest in the Company by any new or existing Member upon the exercise of a non-compensatory option
in accordance with Regulations Section 1.704-1(b)(2)(iv)(<I>s</I>);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(5)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>at such other times as the Managing Member shall reasonably determine (with the approval of the Original Member Representative,
such approval not to be unreasonably withheld, delayed, or conditioned) necessary or advisable in order to comply with Regulations
sections 1.704-1(b) and 1.704-2; provided that the adjustments pursuant to clauses (1), (2), and (4) shall only be made if the
Managing Member reasonably determines (with the approval of the Original Member Representative, such approval not to be unreasonably
withheld, delayed, or conditioned) that such adjustments are necessary or appropriate to reflect the relative economic interests
of the Members in the Company. If any non-compensatory options are outstanding upon the occurrence of an event described in this
paragraph (ii) (other than, if applicable, non-compensatory options being exercised that give rise to the occurrence of such event),
the Company shall adjust the Gross Asset Values of its properties in accordance with Regulations Sections 1.704-1(b)(2)(iv)(<I>f)</I>(1)
and 1.704-1(b)(2)(iv)(<I>h</I>)(2); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(6)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>immediately after the closing of the transactions contemplated by the Recapitalization and Business Combination Agreement
on the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Gross Asset Value of any Company asset distributed to a Member shall be the gross fair market value of such asset on
the date of distribution as determined by the Managing Member (with the approval of the Original Member Representative, such approval
not to be unreasonably withheld, delayed, or conditioned) using such reasonable method of valuation as it may adopt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Gross Asset Values of Company assets shall be increased (or decreased) to reflect any adjustments to the adjusted basis
of such assets pursuant to Section 734(b) of the Code or Section 743(b) of the Code, but only to the extent that such adjustments
are taken into account in determining Capital Accounts pursuant to Regulations section 1.704-1(b)(2)(iv)(m); <U>provided</U>, <U>however</U>,
that Gross Asset Values shall not be adjusted pursuant to this subsection (iv) to the extent that the Managing Member reasonably
determines (with the approval of the Original Member Representative, such approval not to be unreasonably withheld, delayed, or
conditioned) that an adjustment pursuant to subsection (ii) above is necessary or appropriate in connection with a transaction
that would otherwise result in an adjustment pursuant to this subsection (iv).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If the Gross Asset Value of a Company asset has been determined or adjusted pursuant to subsection (i), subsection (ii)
or subsection (iv) above, such Gross Asset Value shall thereafter be adjusted by the Depreciation taken into account with respect
to such asset for purposes of computing Net Income and Net Losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Holder</U>&#8221;
means either (a) a Member or (b) an Assignee that owns a Company Unit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Incapacit</U>y&#8221;
or &#8220;<U>Incapacitated</U>&#8221; means, (a) as to any Member who is an individual, death, total physical disability or entry
by a court of competent jurisdiction adjudicating such Member incompetent to manage his or her person or his or her estate; (b)
as to any Member that is a corporation or limited liability company, the filing of a certificate of dissolution, or its equivalent,
for the corporation or the revocation of its charter; (c) as to any Member that is a partnership, the dissolution and commencement
of winding up of the partnership; (d) as to any Member that is an estate, the distribution by the fiduciary of the estate&#8217;s
entire interest in the Company; (e) as to any trustee of a trust that is a Member, the termination of the trust (but not the substitution
of a new trustee); or (f) as to any Member, the Bankruptcy of such Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Investor
Ri</U>g<U>hts A</U>g<U>reement</U>&#8221; means that certain Investor Rights Agreement, dated on or about the date hereof, by and
among the Managing Member, the Original Members and certain other Persons party thereto, as the same may be amended, modified,
supplemented or waived from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>IRS</U>&#8221;
means the United States Internal Revenue Service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Lock-Up Period</U>&#8221;
has the meaning set forth in the Investor Rights Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Majority
in Interest of the Members</U>&#8221; means Members (including the Managing Member and any Controlled Entity of the Managing Member)
holding more than fifty percent (50%) of all outstanding Company Units held by all Members (including the Managing Member and any
Controlled Entity of the Managing Member); provided that if any Member is, by reason of this Agreement or applicable law, not entitled
to vote on or consent to such matter, the Company Units held by such Member shall be excluded for all purposes of such determination
(i.e., excluded from both the numerator and denominator).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Managing
Member</U>&#8221; means OppFi, Inc., a Delaware corporation, and/or any additional or successor Managing Member(s) designated as
such pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Member</U>&#8221;
means the Managing Member, the Original Members and any other Person that is, from time to time, admitted to the Company as a member
pursuant to the Act and this Agreement, and any Substituted Member, each shown as such in the books and records of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Member Minimum
Gain</U>&#8221; means an amount, with respect to each Member Nonrecourse Debt, equal to the Company Minimum Gain that would result
if such Member Nonrecourse Debt were treated as a Nonrecourse Liability, determined in accordance with Regulations section 1.704-2(i)(3).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Member Nonrecourse
Debt</U>&#8221; has the meaning set forth in Regulations section 1.704-2(b)(4).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Member Nonrecourse
Deductions</U>&#8221; has the meaning set forth in Regulations section 1.704-2(i)(1) and 1.704-2(i)(2), and the amount of Member
Nonrecourse Deductions with respect</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">to a Member Nonrecourse Debt for a Fiscal
Year shall be determined in accordance with the rules of Regulations section 1.704-2(i)(1) and 1.704-2(i)(2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Minimum Exchan</U>g<U>e
Amount</U>&#8221; means a number of Class A Common Units held by an Exchanging Member equal to the lesser of (a) 1,000 Class A
Common Units and (b) all of the Class A Common Units then held by the applicable Exchanging Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>National
Securities Exchan</U>ge&#8221; means a securities exchange that has registered with the SEC under Section 6 of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Net Income</U>&#8221;
or &#8220;<U>Net Loss</U>&#8221; means, for each Fiscal Year of the Company, an amount equal to the Company&#8217;s taxable income
or loss for such year, determined in accordance with Section 703(a) of the Code (for this purpose, all items of income, gain, loss
or deduction required to be stated separately pursuant to Section 703(a)(1) of the Code shall be included in taxable income or
loss), with the following adjustments:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any income of the Company that is exempt from federal income tax and not otherwise taken into account in computing Net Income
(or Net Loss) pursuant to this definition of &#8220;Net Income&#8221; or &#8220;Net Loss&#8221; shall be added to (or subtracted
from, as the case may be) such taxable income (or loss);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any expenditure of the Company described in Section 705(a)(2)(B) of the Code or treated as an expenditure under Section
705(a)(2)(B) of the Code pursuant to Regulations section 1.704-1(b)(2)(iv)(i), and not otherwise taken into account in computing
Net Income (or Net Loss) pursuant to this definition of &#8220;Net Income&#8221; or &#8220;Net Loss,&#8221; shall be subtracted
from (or added to, as the case may be) such taxable income (or loss);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In the event the Gross Asset Value of any Company asset is adjusted pursuant to subsection (ii) or subsection (iii) of the
definition of &#8220;Gross Asset Value,&#8221; the amount of such adjustment (i.e., the hypothetical gain or loss from the revaluation
of the Company asset) shall be taken into account as gain or loss from the disposition of such asset for purposes of computing
Net Income or Net Loss;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Gain or loss resulting from any disposition of property with respect to which gain or loss is recognized for federal income
tax purposes shall be computed by reference to the Gross Asset Value of the property disposed of, notwithstanding that the adjusted
tax basis of such property differs from its Gross Asset Value;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In lieu of the depreciation, amortization and other cost recovery deductions that would otherwise be taken into account
in computing such taxable income or loss, there shall be taken into account Depreciation for such Fiscal Year; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the extent that an adjustment to the adjusted tax basis of any Company asset pursuant to Section 734(b) of the Code or
Section 743(b) of the Code is required pursuant to Regulations section 1.704-1(b)(2)(iv)(m) to be taken into account in determining
Capital Accounts as a result of a distribution other than in liquidation of a Member&#8217;s interest in the Company, the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">amount of such adjustment shall be treated
as an item of gain (if the adjustment increases the basis of the asset) or loss (if the adjustment decreases the basis of the asset)
from the disposition of the asset and shall be taken into account for purposes of computing Net Income or Net Loss; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(vii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding any other provision of this definition of &#8220;Net Income&#8221; or &#8220;Net Loss,&#8221; any item that
is specially allocated pursuant to <U>Section 6.2</U> shall not be taken into account in computing Net Income or Net Loss. The
amounts of the items of Company income, gain, loss or deduction available to be specially allocated pursuant to <U>Section 6.2</U>
shall be determined by applying rules analogous to those set forth in this definition of &#8220;Net Income&#8221; or &#8220;Net
Loss.&#8221;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Nonrecourse
Deductions</U>&#8221; has the meaning set forth in Regulations section 1.704-2(b)(1), and the amount of Nonrecourse Deductions
for a Fiscal Year shall be determined in accordance with the rules of Regulations section 1.704-2(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Nonrecourse
Liabilit</U>y&#8221; has the meaning set forth in Regulations section 1.752-1(a)(2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Original
Member</U>&#8221; means any Person that is a Member as of the consummation of the transactions contemplated by the Business Combination
Agreement, but does not include the Managing Member or any Assignee or other transferee of any Company Interest of any Original
Member succeeding to all or any part of such Company Interest; provided that with respect to the period on or after the Closing
Date, references to &#8220;Original Member&#8221; shall also include any Permitted Transferees of such Original Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Original
Member Representative</U>&#8221; means the Founder or such other Person as may be appointed from time to time by holders of a majority
of Company Units held by Original Members who hold Company Units at the time of determination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Percentage
Interest</U>&#8221; means, with respect to each Member, as to any class or series of Company Interests, the fraction, expressed
as a percentage, the numerator of which is the aggregate number of Company Units of such class or series held by such Member and
the denominator of which is the total number of Company Units of such class or series held by all Members. If not otherwise specified,
 &#8220;Percentage Interest&#8221; shall be deemed to refer to Class A Common Units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Permitted
Transfer</U>&#8221; means a Transfer by a Member of all or part of its Company Interest to any Permitted Transferee of such Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Permitted
Transferee</U>&#8221; means with respect to any Person, (a) any Family Member of such Person, (b) any Affiliate of such Person,
(c) any Affiliate of any Family Member of such Person (excluding any Affiliate under this <U>clause </U>(c) who operates or engages
in a business which competes with the business of the Managing Member or the Company or any of its Subsidiaries), (d) any Controlled
Entity of such Person and (e) any charitable organization to which such Person Transfers its Company Interests. Notwithstanding
the foregoing, in no event shall any Person who (in the Managing Member&#8217;s determination) is participating or involved in
any capacity in any business that is or which the Managing Member determines (in good faith) to be competitive with the business
of the Company or any of its Subsidiaries be a Permitted Transferee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Person</U>&#8221;
means an individual or a corporation, partnership, trust, unincorporated organization, association, limited liability company,
or other entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Pre-Closing
Units</U>&#8221; has the meaning set forth in <U>Section 3.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Recapitalization</U>&#8221;
has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Regulations</U>&#8221;
means one or more Treasury regulations promulgated under the Code, whether such regulations are in proposed, temporary or final
form, as such regulations may be amended from time to time (including corresponding provisions of succeeding regulations).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>SEC</U>&#8221;
means the Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Securities
Act</U>&#8221; means the Securities Act of 1933, as amended, and the rules and regulations of the SEC promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Stock Exchange
Payment</U>&#8221; means, with respect to the portion of any Exchange (or Direct Exchange) for which a Cash Exchange Notice is
not delivered by the Managing Member, on behalf of the Company, a number of Class A Shares equal to the number of Class A Common
Units so exchanged.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Subsidiar</U>y&#8221;
means, with respect to any Person, any corporation or other entity of which a majority of (a) the voting power of the voting equity
securities or (b) the outstanding equity interests is owned, directly or indirectly, by such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Substituted
Member</U>&#8221; means a Person who is admitted as a Member to the Company pursuant to <U>Section 11.4</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Distribution
Date</U>&#8221; means for any Fiscal Year April 10, June 10, September 10 and December 10 of such Fiscal Year, which shall be adjusted
by the Managing Member as reasonably necessary to take into account changes in estimated tax payment due dates for U.S. federal
income taxes under applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tax Receivables
Agreement</U>&#8221; means that certain tax receivable agreement, dated as of the date hereof, by and among FG New America Acquisition
Corp., the Company, and certain other parties thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Tradin</U>g
<U>Da</U>y&#8221; means any day on which the Class A Shares are traded on the New York Stock Exchange, or, if the New York Stock
Exchange is not the principal trading market for the Class A Shares on such day, then on the principal national securities exchange
or securities market on which the Class A Shares are then traded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Transfer</U>&#8221;
means any sale, assignment, bequest, conveyance, devise, gift (outright or in trust), pledge, encumbrance, hypothecation, mortgage,
exchange, transfer or other disposition or act of alienation, whether voluntary or involuntary or by operation of law; <U>provided</U>,
<U>however</U>, that when the term is used in <U>Article XI</U>, &#8220;Transfer&#8221; does not include any Exchange of Class
A Common</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Units by the Company, or acquisition of
Exchanged Units by the Managing Member, pursuant to <U>Section 14.1</U><FONT STYLE="font-size: 10pt">. </FONT>The terms &#8220;Transferred&#8221;
and &#8220;Transferring&#8221; have correlative meanings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Unvested
Class A Common Unit</U>&#8221; means a Class A Common Unit issued in the Recapitalization with respect to a &#8220;profits interest&#8221;
previously issued by the Company, which &#8220;profits interest&#8221; was not vested as of the Closing Date and which will continue
to vest after the Closing Date pursuant to its terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>VWAP</U>&#8221;
means the daily per share volume-weighted average price of the Class A Shares on the New York Stock Exchange, or, if the New York
Stock Exchange is not the principal trading market for the Class A Shares on such day, then on the principal national securities
exchange or securities market on which the Class A Shares are then traded, as displayed under the heading [Bloomberg VWAP] on the
Bloomberg page designated for the Class A Shares (or its equivalent successor if such page is not available) in respect of the
period from the open of trading on such Trading Day until the close of trading on such Trading Day (or if such volume-weighted
average price is unavailable, (a) the per share volume-weighted average price of a Class A Share on such Trading Day (determined
without regard to after-hours trading or any other trading outside the regular trading session or trading hours), or (b) if such
determination is not feasible, the market price per Class A Share, in either case as determined by a nationally recognized independent
investment banking firm retained in good faith for this purpose by the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Warrants</U>&#8221;
means any warrants to acquire Class A Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Capitalized terms used
in the Opportunity Financial, LLC Profits Interest Plan with reference to the Prior LLC Agreement and which are not defined herein
shall have the meanings ascribed thereto in the Prior LLC Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 1.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Interpretation</U>. In this Agreement and in the exhibits hereto, except to the extent that the context otherwise requires:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the headings are for convenience of reference only and shall not affect the interpretation of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>defined terms include the plural as well as the singular and vice versa;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>words importing gender include all genders;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a reference to any statute or statutory provision shall be construed as a reference to the same as it may have been or may
from time to time be amended, extended, re-enacted or consolidated and to all statutory instruments or orders made under it;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any reference to a &#8220;day&#8221; or a &#8220;Business Day&#8221; shall mean the whole of such day, being the period
of 24 hours running from midnight to midnight;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>references to Articles, Sections, subsections, clauses and Exhibits are references to Articles, Sections, subsections, clauses
and Exhibits to, this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> the words &#8220;including&#8221; and &#8220;include&#8221; and other words of similar import shall be deemed to be followed
by the phrase &#8220;without limitation&#8221;; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>unless otherwise specified, references to any party to this Agreement or any other document or agreement shall include its
successors and permitted assigns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
II</FONT><BR>
GENERAL PROVISIONS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Formation</U>. The Company has been organized as a Delaware limited liability company pursuant to the provisions of the
Act and upon the terms and conditions set forth in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Name</U>. The name of the Company shall be &#8220;<U>Opportunity Financial, LLC</U>&#8221; and all business of the Company
shall be conducted in such name or such other name as the Managing Member shall determine. The Company may also conduct business
at the same time under one or more fictitious names if the Managing Member determines that such is in the best interests of the
Company. The Managing Member may change the name of the Company, from time to time, in accordance with applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Principal Place of Business; Other Places of Business</U>. The principal business office of the Company is located at
130 E. Randolph Street, Suite 3400, Chicago, Illinois 60601, or such other place within or outside the State of Delaware as the
Managing Member may from time to time designate. The Company may maintain offices and places of business at such other place or
places within or outside the State of Delaware as the Managing Member deems advisable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Designated Agent for Service of Process</U>. So long as required by the Act, the Company shall continuously maintain
a registered office and a designated and duly qualified agent for service of process on the Company in the State of Delaware. As
of the date of this Agreement, the address of the registered office of the Company in the State of Delaware is c/o Cogency Global
Inc., 850 New Burton Road, Suite 201, Dover, Delaware 19904. The Company&#8217;s registered agent for service of process at such
address is Cogency Global Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Term</U>. The term of the Company commenced on the Formation Date and such term shall continue until the Company is dissolved
in accordance with the Act or this Agreement. Notwithstanding the dissolution of the Company, the existence of the Company shall
continue until termination pursuant to this Agreement or as otherwise provided in the Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No State Law Partnership; Federal Income Tax Status</U>. The Members intend that the Company not be a partnership (including,
without limitation, a limited partnership) or joint venture, and that no Member be a partner or joint venturer of any other Member
by virtue of this Agreement, for any purposes (including Section 303 of the Federal Bankruptcy Code), and neither this Agreement
nor any other document entered into by the Company or any Member relating to the subject matter hereof shall be construed to suggest
otherwise. Notwithstanding the foregoing, the Members intend for the Company to be treated as a partnership for U.S. federal and,
if</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">applicable, state or local income tax purposes,
and each Member and the Company shall file all tax returns and shall otherwise take all tax and financial reporting positions in
a manner consistent with such treatment. Neither the Company nor any Member shall take any action (including the filing of an election
for the Company to be classified as a corporation for income tax purposes) inconsistent with the express intent of the parties
hereto as set forth in this <U>Section 2.6</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Business Purpose</U>. The purpose of the Company shall be: (a) to make consumer installment loans as a licensee under
the Illinois Consumer Installment Loan Act, 205 ILCS 670/1 (as from time to time amended, &#8220;<U>CILA</U>&#8221;) and comply
with all requirements of the CILA and the regulations from time to time adopted by the Illinois Department of Financial and Professional
Regulation, Division of Financial Institutions (or its successor) which are applicable to the business of making loans under the
CILA (&#8220;<U>Consumer Loans</U>&#8221;), and to invest in, acquire, own, hold, refinance, enforce collection, sell and otherwise
deal with, directly or indirectly, Consumer Loans of the Company or of one or more Affiliates who shall be engaged in Illinois
and other states in the business of making Consumer Loans; (b) to make consumer installment line of credit loans; (c) to carry
on any and all lawful business, purpose or activity, whether or not for profit, which a limited liability company may carry on
under the Act and the laws of any other jurisdiction in which the Company is so engaged in regard thereto; and (d) to do anything
incidental to the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Powers</U>. Subject to the limitations set forth in this Agreement, the Company will possess and may exercise all of
the powers and privileges granted to it by the Act, by any other applicable law or this Agreement, together with all powers incidental
thereto, so far as such powers are necessary or convenient to the conduct, promotion or attainment of the purpose of the Company
set forth in <U>Section 2.7</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Certificates; Filings</U>. The Certificate was previously filed on behalf of the Company, in the Office of the Secretary
of State of the State of Delaware as required by the Act. The Managing Member may execute and file any duly authorized amendments
to the Certificate from time to time in a form prescribed by the Act. The Managing Member shall also cause to be made, on behalf
of the Company, such additional filings and recordings as the Managing Member shall deem necessary or advisable. If requested by
the Managing Member, the Members shall promptly execute all certificates and other documents consistent with the terms of this
Agreement necessary for the Managing Member to accomplish all filing, recording, publishing and other acts as may be appropriate
to comply with all requirements for (a) the formation and operation of a limited liability company under the laws of the State
of Delaware, (b) if the Managing Member deems it advisable, the operation of the Company as a limited liability company in all
jurisdictions where the Company proposes to operate and (c) all other filings required to be made by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Representations and Warranties by the Members</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Member that is an individual (including each Substituted Member as a condition to becoming a Substituted Member) represents
and warrants to, and covenants with, each other Member that (i) the consummation of the transactions contemplated by this Agreement
to be</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">performed by such Member will not result
in a breach or violation of, or a default under, any material agreement by which such Member or any of such Member&#8217;s property
is bound, or any statute, regulation, order or other law to which such Member is subject and (ii) this Agreement is binding upon,
and enforceable against, such Member in accordance with its terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Member that is not an individual (including each Substituted Member as a condition to becoming a Substituted Member)
represents and warrants to, and covenants with, each other Member that (i) all transactions contemplated by this Agreement to be
performed by it have been duly authorized by all necessary action, including that of its general partner(s), committee(s), trustee(s),
beneficiaries, directors and/or stockholder(s) (as the case may be) as required, (ii) the consummation of such transactions shall
not result in a breach or violation of, or a default under, its partnership or operating agreement, trust agreement, charter or
bylaws (as the case may be), any material agreement by which such Member or any of such Member&#8217;s properties or any of its
partners, members, beneficiaries, trustees or stockholders (as the case may be) is or are bound, or any statute, regulation, order
or other law to which such Member or any of its partners, members, trustees, beneficiaries or stockholders (as the case may be)
is or are subject, and (iii) this Agreement is binding upon, and enforceable against, such Member in accordance with its terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Member (including each Substituted Member as a condition to becoming a Substituted Member) represents and warrants
that it is an &#8220;accredited investor&#8221; as defined in Rule 501 promulgated under the Securities Act and represents, warrants
and agrees that it has acquired and continues to hold its interest in the Company for its own account for investment purposes only
and not for the purpose of, or with a view toward, the resale or distribution of all or any part thereof, and not with a view toward
selling or otherwise distributing such interest or any part thereof at any particular time or under any predetermined circumstances.
Subject to <U>Article XIV</U> and the applicable terms of the Investor Rights Agreement, each Member further represents and warrants
that (i) it is aware of and understands that the Company Units held by such Member are not registered under the Securities Act
and must be held by such Member until such Company Units are registered under the Securities Act or an exemption from such registration
is available, (ii) that the Company shall have no obligation to take any action that may be necessary to make available any exemption
from registration under the Securities Act, (iii) there is no established market for the Company Units and no market (public or
otherwise) for the Company Units will develop in the foreseeable future, (iv) such Member has no rights to require that the Company
Units be registered under the Securities Act or the securities laws of various states, and the Member will not be able to avail
itself of the provisions of Rule 144 adopted by the Securities and Exchange Commission under the Securities Act, and (v) that it
is a sophisticated investor, able and accustomed to handling sophisticated financial matters for itself, and that it has a sufficiently
high net worth that it does not anticipate a need for the funds that it has invested in the Company in what it understands to be
a speculative and illiquid investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The representations and warranties contained in <U>Sections 2.10(a)</U>, <U>2.10(b)</U> and <U>2.10(c)</U> shall survive
the execution and delivery of this Agreement by each Member (and, in the case of a Substituted Member, the admission of such Substituted
Member as a Member in the Company) and the dissolution, liquidation and termination of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Each Member (including each Substituted Member as a condition to becoming a Substituted Member) hereby acknowledges that
no representations as to potential profit, cash flows, funds from operations or yield, if any, in respect of the Company or the
Managing Member have been made by any Member or any employee or representative or Affiliate of any Member, and that projections
and any other information, including financial and descriptive information and documentation, that may have been in any manner
submitted to such Member shall not constitute any representation or warranty of any kind or nature, express or implied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding the foregoing, the Managing Member may permit the modification of any of the representations and warranties
contained in <U>Sections 2.10(a)</U>, <U>2.10(b)</U> and <U>2.10(c)</U>, as applicable, to any Member (including any Substituted
Member or any transferee of either) provided that such representations and warranties, as modified, shall be set forth in either
a separate writing addressed to the Company and the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>References to Certain Equity Securities</U>. Each reference to a Class A Share, Class V Share, Class A Common Unit, other
Company Unit, or other Company Interest shall be deemed to include a reference to each Equity Security received in respect thereof
in connection with any combination of equity interests, recapitalization, merger, consolidation, or other reorganization, or by
way of interest split, interest dividend, or other distribution; provided that, for the avoidance of doubt, restrictions applicable
to the Class A Common Units and Class V Shares shall not apply to Class A Shares received in respect thereof in connection with
the Exchange (or Direct Exchange).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
III</FONT><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase">Recapitalization</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Recapitalization</U>. To effectuate the Recapitalization, upon execution of this Agreement and as of immediately prior
to the Effective Time, all Company Interests that were issued and outstanding and held by the Continuing Members immediately prior
to the execution of this Agreement, which are set forth next to each Continuing Member&#8217;s name on&nbsp;<U>Exhibit&nbsp;A</U>&nbsp;(the
 &#8220;<U>Pre-Closing Units</U>&#8221;), are hereby converted into that number of Class A Common Units set forth next to such Continuing
Member&#8217;s name on&nbsp;<U>Exhibit&nbsp;A</U>&nbsp;hereto under the heading &#8220;Post-Recapitalization Units&#8221;, and
such Class A Common Units are hereby issued and outstanding as of the Effective Time and the holders of such Class A Common Units
hereby continue as Members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
IV</FONT><BR>
CLASSES OF COMPANY INTERESTS; CAPITAL CONTRIBUTIONS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Classes of Company Interests; Capital Contributions of the Members</U>. Each Member&#8217;s relative rights, privileges,
preferences, restrictions and obligations with respect to the Company are represented by such Member&#8217;s Company Interests.
There shall initially be one (1) class of Company Interests, that being Class A Common Units, which shall be issued to and held
by the Members (or their Permitted Transferees), including the Managing Member. An unlimited number of Class A Common Units are
hereby authorized for issuance. As of the Closing Date, as a result of the transactions contemplated by the Recapitalization and
the Business Combination</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Agreement, the Company Interests are held
by the Members in the amounts set forth on <U>Exhibit&nbsp;A</U> hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Original Member
has heretofore made or is deemed to have made Capital Contributions to the Company and concurrently with the consummation of the
transactions contemplated by the Business Combination Agreement, the Managing Member is making a Capital Contribution to the Company.
Except as provided by law or otherwise pursuant to this Agreement, the Members shall have no obligation or, except with the prior
written consent of the Managing Member, right to make any other Capital Contributions or any loans to the Company. The Managing
Member shall cause to be maintained in the principal business office of the Company, or such other place as may be determined by
the Managing Member, the books and records of the Company, which shall include, among other things, a register containing the name,
address and number of Company Units of each Member, and such other information as the Managing Member may deem necessary or desirable
(the &#8220;<U>Register</U>&#8221;). The Register shall not be deemed part of this Agreement. The Managing Member shall from time
to time update the Register as necessary to accurately reflect the information therein, including as a result of any sales, exchanges
or other Transfers, or any redemptions, issuances or similar events involving Company Units. Any reference in this Agreement to
the Register shall be deemed a reference to the Register as in effect from time to time. Subject to the terms of this Agreement,
the Managing Member may take any action authorized hereunder in respect of the Register without any need to obtain the consent
of any other Member. No action of any Member shall be required to amend or update the Register. Except as required by law, no Member
shall be entitled to receive a copy of the information set forth in the Register relating to any Member other than itself.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Issuances of Additional Company Interests</U>. Subject to the terms and conditions of this Agreement (including <U>Section
4.4</U>):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>General</U>. The Managing Member is hereby authorized to cause the Company to issue additional Company Interests, in
the form of Company Units, for any Company purpose, at any time or from time to time, to the Members or to other Persons, and to
admit such Persons as Members, for such consideration and on such terms and conditions as shall be established by the Managing
Member, all without the approval of any other Member or any other Person (except as provided in the immediately following sentence).
Without limiting the foregoing, the Managing Member is expressly authorized to cause the Company to issue Company Units (i) upon
the conversion, redemption, or exchange of any Debt, Company Units, or other securities issued by the Company, (ii) for less than
fair market value, (iii) for no consideration, (iv) in connection with any merger, consolidation, or other reorganization, or (v)
upon the contribution of property or assets to the Company; <U>provided</U>, <U>that</U>, any material issuance of Company Interests
for no consideration in a manner that disproportionately and adversely affects the Original Members shall be subject to the prior
written consent of the Original Members Representative, such consent not to be unreasonably withheld, conditioned or delayed. A
Company Interest of any class or series other than a Class A Common Unit shall not entitle the holder thereof to vote on, or consent
to, any matter. Upon the issuance of any additional Company Interest, the Managing Member shall amend the Register and the books
and records of the Company as appropriate to reflect such issuance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <U>No Preemptive Ri</U>g<U>hts</U>. Except as expressly provided in this Agreement, no Person, including any Holder, shall
have any preemptive, preferential, participation, or similar right or rights to subscribe for or acquire any Company Interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Additional Funds and Capital Contributions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>General</U>. The Managing Member may, at any time and from time to time, determine that the Company requires additional
funds (&#8220;<U>Additional Funds</U>&#8221;) for the acquisition or development of additional Assets, for the redemption of Company
Units, or for such other purposes as the Managing Member may determine. Additional Funds may be obtained by the Company, at the
election of the Managing Member, in any manner provided in, and in accordance with, the terms of this <U>Section 4.3</U> without
the approval of any Member or any other Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Loans by Third Parties</U>. The Managing Member, on behalf of the Company, may obtain any Additional Funds by causing
the Company to incur Debt to any Person (other than, except as contemplated in <U>Section 4.3(c)</U>, the Managing Member) upon
such terms as the Managing Member determines appropriate, including making such Debt convertible, redeemable, or exchangeable for
Company Units; <U>provided</U>, <U>however</U>, that the Company shall not incur any such Debt if any Member (other than the Managing
Member in its capacity as such) would be personally liable for the repayment of such Debt (unless such Member otherwise agrees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Managing Member Loans</U>. The Managing Member, on behalf of the Company, may obtain any Additional Funds by causing
the Company to incur Debt with the Managing Member if (i) such Debt is, to the extent permitted by law, on substantially the same
terms and conditions (including interest rate, repayment schedule, and conversion, redemption, repurchase and exchange rights)
as Funding Debt incurred by the Managing Member, the net proceeds of which are loaned to the Company to provide such Additional
Funds, or (ii) such Debt is on terms and conditions no less favorable to the Company than would be available to the Company from
any third party; <U>provided</U>, <U>however</U>, that the Company shall not incur any such Debt if any Member would be personally
liable for the repayment of such Debt (unless such Member otherwise agrees).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Issuances; Repurchases and Redemptions; Recapitalizations</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Issuances by the Managing Member</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to <U>Section 4.4(a)(ii)</U> and <U>Section 14.1</U>, if, at any time after the Closing Date, the Managing Member
sells or issues Class A Shares or any other Equity Securities of the Managing Member (other than Class V Shares), (x) the Company
shall concurrently issue to the Managing Member an equal number of Class A Common Units (if the Managing Member issues Class A
Shares), or an equal number of such other Equity Security of the Company corresponding to the Equity Securities issued by the Managing
Member (if the Managing Member issues Equity Securities other than Class A Shares), and with substantially the same rights to dividends
and distributions (including distributions upon liquidation) and other economic rights as those of such Equity Securities of the
Managing Member so issued and (y) the Managing Member shall concurrently contribute to the Company the net proceeds or other property
received by the Managing Member, if any, for such Class A Share or other Equity Security.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Notwithstanding anything to the contrary contained in <U>Section 4.4(a)(i)</U> or <U>Section 4.4(a)(iii)</U>, this <U>Section
4.4(a)</U> shall not apply to (x) the issuance and distribution to holders of Class A Shares or other Equity Securities of the
Managing Member of rights to purchase Equity Securities of the Managing Member under a &#8220;poison pill&#8221; or similar shareholder
rights plan (and upon exchange of Class A Common Units for Class A Shares, such Class A Shares will be issued together with a corresponding
right under such plan) or (y) the issuance under the Managing Member&#8217;s employee benefit plans of any warrants, options, stock
appreciation right, restricted stock, restricted stock units, performance based award or other rights to acquire Equity Securities
of the Managing Member or rights or property that may be converted into or settled in Equity Securities of the Managing Member,
but shall in each of the foregoing cases apply to the issuance of Equity Securities of the Managing Member in connection with the
exercise or settlement of such warrants, options, stock appreciation right, restricted stock units, performance based awards or
the vesting of restricted stock (including as set forth in clause (iii) below, as applicable).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In the event any outstanding Equity Security of the Managing Member is exercised or otherwise converted and, as a result,
any Class A Shares or other Equity Securities of the Managing Member are issued (including as a result of the exercise of Warrants),
(x) the corresponding Equity Security outstanding at the Company, if any, shall be similarly exercised or otherwise converted,
if applicable, (y) an equivalent number of Class A Common Units or equivalent Equity Securities of the Company shall be issued
to the Managing Member as required by the first sentence of <U>Section 4.4(a)(i)</U>, and (z) the Managing Member shall concurrently
contribute to the Company the net proceeds received by the Managing Member from any such exercise or conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>New Company Issuances</U>. Except pursuant to <U>Section 14.1</U>, (x) the Company may not issue any additional Class
A Common Units or Company Units to the Managing Member or any of its Subsidiaries (other than the Company and its Subsidiaries)
unless substantially simultaneously therewith the Managing Member or such Subsidiary issues or transfers an equal number of newly-issued
Class A Shares (or relevant Equity Security of such Subsidiary) to another Person or Persons and contributes the net proceeds therefrom
to the Company, and (y) the Company may not issue any other Equity Securities of the Company to the Managing Member or any of its
Subsidiaries (other than the Company and its Subsidiaries) unless substantially simultaneously therewith the Managing Member or
such Subsidiary issues or transfers, to another Person, an equal number of newly-issued shares of Equity Securities of the Managing
Member or such Subsidiary with substantially the same rights to dividends and distributions (including distributions upon liquidation)
and other economic rights as those of such Equity Securities of the Company and contributes the net proceeds therefrom to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Repurchases and Redemptions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member or any of its Subsidiaries (other than the Company and its Subsidiaries) may not redeem, repurchase,
or otherwise acquire (A) Class A Shares pursuant to a Board approved repurchase plan or program (or otherwise in connection with
a transaction approved by the Board) unless substantially simultaneously therewith the Company redeems, repurchases, or otherwise
acquires from the Managing Member or such Subsidiary an</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">equal number of Class A Common Units for
the same price per security, if any, or (B) any other Equity Securities of the Managing Member or any of its Subsidiaries (other
than the Company and its Subsidiaries) pursuant to a Board approved repurchase plan or program (or otherwise in connection with
a transaction approved by the Board) unless substantially simultaneously therewith the Company redeems, repurchases or otherwise
acquires from the Managing Member or such Subsidiary an equal number of the corresponding class or series of Equity Securities
of the Company with the same rights to dividends and distributions (including distributions upon liquidation) and other economic
rights as those of such Equity Securities of the Managing Member or such Subsidiary for the same price per security, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company may not redeem, repurchase, or otherwise acquire (x) any Class A Common Units from the Managing Member or any
of its Subsidiaries (other than the Company and its Subsidiaries) unless substantially simultaneously the Managing Member or such
Subsidiary redeems, repurchases, or otherwise acquires pursuant to a Board approved repurchase plan or program (or otherwise in
connection with a transaction approved by the Board) an equal number of Class A Shares for the same price per security from holders
thereof or (y) any other Company Units of the Company from the Managing Member or any of its Subsidiaries (other than the Company
and its Subsidiaries) unless substantially simultaneously the Managing Member or such Subsidiary redeems, repurchases, or otherwise
acquires pursuant to a Board approved repurchase plan or program (or otherwise in connection with a transaction approved by the
Board) for the same price per security an equal number of Equity Securities of the Managing Member (or such Subsidiary) of a corresponding
class or series with substantially the same rights to dividends and distributions (including distributions upon liquidation) and
other economic rights as those of such Company Units of the Managing Member or such Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Equity Subdivisions and Combinations</U>. Except in accordance with <U>Section 14.1</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company shall not in any manner effect any subdivision (by any equity split, equity distribution, reclassification,
recapitalization, or otherwise) or combination (by reverse equity split, reclassification, recapitalization, or otherwise) of the
outstanding Company Units unless accompanied by an identical subdivision or combination, as applicable, of the outstanding Capital
Shares or other related class or series of Equity Security of the Managing Member, with corresponding changes made with respect
to any other exchangeable or convertible Equity Securities of the Company and the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member shall not in any manner effect any subdivision (by any equity split, equity distribution, reclassification,
recapitalization or otherwise) or combination (by reverse equity split, reclassification, recapitalization or otherwise) of the
outstanding Capital Shares or any other class or series of Equity Security of the Managing Member, unless accompanied by an identical
subdivision or combination, as applicable, of the outstanding Company Units or other related class or series of Equity Security
of the Company, with corresponding changes made with respect to any applicable exchangeable or convertible Equity Securities of
the Company and the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <U>General Authorit</U>y. For the avoidance of doubt, but subject to <U>Section 4.1</U>, <U>Section 4.2</U> and <U>Section
4.4</U>, the Company and the Managing Member shall be permitted to undertake all actions, including an issuance, redemption, reclassification,
distribution, division, or recapitalization, with respect to the Class A Common Units as the Managing Member determines (with the
approval of the Original Member Representative, such approval not to be unreasonably withheld, delayed, or conditioned) is necessary
to maintain at all times a one-to-one ratio between (i) the number of Class A Common Units owned by Managing Member, directly or
indirectly, and the number of outstanding Class A Shares, and (ii) the number of outstanding Class V Shares held by all Persons
other than the Managing Member and the number of Class A Common Units held by all Persons other than the Managing Member disregarding,
for purposes of maintaining the one-to-one ratios in clause (i), (A) options, rights or securities of the Managing Member issued
under any plan involving the issuance of any Equity Securities that are convertible into or exercisable or exchangeable for Class
A Shares, (B) treasury stock, or (C) preferred stock or other debt or equity securities (including warrants, options or rights)
issued by the Managing Member that are convertible or into or exercisable or exchangeable for Class A Shares (but in each case
prior to such conversion, exercise or exchange).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Interest; No Return</U>. No Member shall be entitled to interest on its Capital Contribution or on such Member&#8217;s
Capital Account. Except as provided herein or by law, no Member shall have any right to demand or receive the return of its Capital
Contribution from the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Capital Accounts</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>A Capital Account shall be maintained by the Managing Member for each Member in accordance with the provisions of Regulations
Section 1.704-1(b)(2)(iv) and, to the extent consistent with such Regulations, the other provisions of this Agreement. Each Member&#8217;s
Capital Account balance as of the date hereof shall be equal to the amount of its respective Closing Date Capital Account Balance
set forth opposite such Member&#8217;s name on <U>Exhibit A</U>, which balances shall reflect a revaluation of the Company&#8217;s
assets in accordance with clause (6) of the definition of Gross Asset Value. Thereafter, each Member&#8217;s Capital Account shall
be (a) increased by (i) allocations to such Member of Net Income pursuant to <U>Section 6.1</U> and any other items of income or
gain allocated to such Member pursuant to <U>Section 6.2</U>, (ii) the amount of cash or the initial Gross Asset Value of any asset
(net of any Liabilities assumed by the Company and any Liabilities to which the asset is subject) contributed to the Company by
such Member, and (iii) any other increases allowed or required by Regulations Section 1.704-1(b)(2)(iv), and (b) decreased by (i)
allocations to such Member of Net Losses pursuant to <U>Section 6.1</U> and any other items of deduction or loss allocated to such
Member pursuant to the provisions of <U>Section 6.2</U>, (ii) the amount of any cash or the Gross Asset Value of any asset (net
of any Liabilities assumed by the Member and any Liabilities to which the asset is subject) distributed to such Member, and (iii)
any other decreases allowed or required by Regulations Section 1.704-1(b)(2)(iv).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In the event of a Transfer of Company Units made in accordance with this Agreement, the Capital Account of the Transferor
that is attributable to the transferred Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Units shall carry over to the Transferee
Member in accordance with the provisions of Regulations Section 1.704-1(b)(2)(iv)(<I>l</I>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This <U>Section 4.6</U> and other provisions of this Agreement relating to the maintenance of Capital Accounts are intended
to comply with the Regulations promulgated under Code Section 704(b), including Regulation Section 1.704-1(b)(2)(iv), and shall
be interpreted and applied in a manner consistent with such Regulations. In determining the amount of any Liability for purposes
of calculating Capital Accounts, there shall be taken into account Section 752(c) of the Code and any other applicable provisions
of the Code and Regulations. The Members&#8217; Capital Accounts will normally be adjusted on an annual or other periodic basis
as determined by the Managing Member (with the approval of the Original Member Representative, such approval not to be unreasonably
withheld, delayed, or conditioned), but the Capital Accounts may be adjusted more often if a new Member is admitted to the Company
or if circumstances otherwise make it advisable in the judgment of the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
V</FONT><BR>
DISTRIBUTIONS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Distributions Generally</U>. Subject to <U>Section 5.5</U> and <U>Section 5.7</U>, the Managing Member may cause the
Company to distribute all or any portion of available cash generated by the Company to the Holders of Class A Common Units in accordance
with their respective Percentage Interests of Class A Common Units on the Company Record Date with respect to such distribution.
To the extent that any distribution is made payable with respect to any Company Units for a particular period, distributions payable
with respect to any Company Units that were not outstanding during the entire period in respect of which any distribution is made
shall be prorated based on the portion of the period that such Company Units were outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tax Distributions</U>. Prior to making distributions pursuant to <U>Section 5.1</U>, on or prior to each Tax Distribution
Date, the Company shall be required to, subject only to <U>Section 5.5</U>, make <I>pro rata </I>distributions of cash to the Holders
of Class A Common Units (in accordance with their respective Percentage Interests of Class A Common Units) in an amount sufficient
to ensure that each such Holder receives a distribution at least equal to such Holder&#8217;s Assumed Tax Liability, if any, with
respect to the relevant taxable period to which the distribution relates. Notwithstanding the foregoing, distributions pursuant
to this <U>Section 5.2</U>, if any, shall be made to a Member only to the extent all previous distributions to such Member pursuant
to <U>Section 5.1</U> and <U>Section 5.2</U> with respect to the taxable period are less than the distributions such Member otherwise
would have been entitled to receive with respect to such taxable period pursuant to this <U>Section 5.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Distributions in Kind</U>. No Holder may demand to receive property other than cash as provided in this Agreement. The
Managing Member may cause the Company to make a distribution in kind of Company assets to the Holders, and such assets shall be
distributed in such a fashion as to ensure that the fair market value is distributed and allocated in accordance with <U>Articles
V</U>, <U>Article VI</U> and <U>Article X</U>; <U>provided</U>, <U>however</U>, that in the case of the distribution by the Company
of the Class V Shares contributed to the Company pursuant to Section 2.1(b) of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Business Combination Agreement, the Managing
Member shall distribute all such Class V Shares (including any such Class V Shares treated as Earnout Voting Shares, as defined
in the Business Combination Agreement) to OFS, as defined in the Business Combination Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Distributions to Reflect Additional Company Units</U>. In the event that the Company issues additional Company Units
pursuant to the provisions of <U>Article IV</U>, the Managing Member is hereby authorized to make such revisions to this <U>Article
V</U> and to <U>Article VI</U> as it determines are necessary or desirable to reflect the issuance of such additional Company Units,
including making preferential distributions to certain classes of Company Units (with the approval of the Original Member Representative,
such approval not to be unreasonably withheld, delayed, or conditioned).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Restricted Distributions</U>. Notwithstanding any provision to the contrary contained in this Agreement, neither the
Company nor the Managing Member, on behalf of the Company, shall make a distribution to any Holder if such distribution would violate
the Act or other applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Use of Distributions</U>. The Managing Member shall use distributions received from and other cash of the Company for
payment of taxes, liabilities, or expenses of the Managing Member, to loan funds to the Company in the accordance with this Agreement,
for the payment of dividends to its shareholders or for other general corporate purposes, in each case in accordance with a budget
approved by, or otherwise approved by, the Board; provided that the Managing Member may not use such distributions or other cash
of the Company to acquire any Company Interests, except as otherwise provided in <U>Section 4.4</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding the foregoing, the portion of any distribution that would otherwise be made in respect of any Unvested Class
A Common Unit under <U>Section 5.1</U> (&#8220;Unvested Distribution Amount&#8221;) or any Earnout Company Unit under <U>Section
5.1</U> (&#8220;Earnout Distribution Amount&#8221;) shall be deducted from such distribution and be recorded as an Unvested Distribution
Amount or Earnout Distribution Amount in the Company&#8217;s books and records at the time of such distribution, and the Unvested
Distribution Amount in respect of any such Class A Common Unit that vested and the Earnout Distribution Amount in respect of any
Earnout Company Unit that have satisfied the earnout criteria set forth in Section 2.6 of the Business Combination Agreement following
such prior distribution shall be distributed by the Company to the holder of such Class A Common Unit in the proportion of, and
promptly following, such vesting or satisfaction of the earnout criteria, as applicable. Upon the termination, forfeiture or cancellation
of any Unvested Class A Common Unit or Earnout Company Unit, any Unvested Distribution Amount or Earnout Distribution Amount previously
recorded with respect to such Unvested Class A Common Unit or Earnout Company Unit shall be noted as cancelled on the books and
records of the Company and such amount shall in the next distribution under <U>Section 5.1</U> be distributed pursuant to the terms
of <U>Section 5.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
VI</FONT><BR>
ALLOCATIONS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>General Allocations</U>. After giving effect to the allocations under <U>Section 6.2</U> and subject to <U>Section 6.2</U>
and <U>Section 6.4</U>, Net Income and Net Loss (and, to the extent reasonably determined by the Managing Member to be necessary
and appropriate to achieve the resulting Capital Account balances described below, any allocable items of income, gain, loss, deduction
or credit includable in the computation of Net Income and Net Loss) for each Fiscal Year or other taxable period shall be allocated
among the Members during such Fiscal Year or other taxable period in a manner such that, after giving effect to all distributions
through the end of such Fiscal Year or other taxable period, the Capital Account balance of each Member, immediately after making
such allocation, is, as nearly as possible, equal to (a) the amount such Member would receive pursuant to <U>Section 12.3</U> if
all assets of the Company on hand at the end of such Fiscal Year or other taxable period were sold for cash equal to their Gross
Asset Values, all liabilities of the Company were satisfied in cash in accordance with their terms (limited with respect to each
nonrecourse liability to the Gross Asset Value of the assets securing such liability), and all remaining or resulting cash was
distributed, in accordance with <U>Section 12.3</U> to the Members immediately after making such allocation, <I>minus </I>(b) such
Member&#8217;s share of Company Minimum Gain and Member Minimum Gain, computed immediately prior to the hypothetical sale of assets,
and the amount any such Member is treated as obligated to contribute to the Company, computed immediately after the hypothetical
sale of assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Additional Allocation Provisions</U>. Notwithstanding the foregoing provisions of this <U>Article VI</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Regulatory Allocations</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Minimum Gain Char</U>g<U>eback</U>. Except as otherwise provided in Regulations section 1.704-2(f), notwithstanding the
provisions of <U>Section 6.1</U>, or any other provision of this <U>Article VI</U>, if there is a net decrease in Company Minimum
Gain during any Fiscal Year, each Holder shall be specially allocated items of Company income and gain for such Fiscal Year (and,
if necessary, subsequent Fiscal Years) in an amount equal to such Holder&#8217;s share of the net decrease in Company Minimum Gain,
as determined under Regulations section 1.704-2(g)(2). Allocations pursuant to the previous sentence shall be made in proportion
to the respective amounts required to be allocated to each Holder pursuant thereto. The items to be allocated shall be determined
in accordance with Regulations sections 1.704-2(f)(6) and 1.704-2(j)(2). This <U>Section 6.2(a)(i)</U> is intended to comply with
the minimum gain chargeback requirement in Regulations section 1.704-2(f) and shall be interpreted consistently therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Member Nonrecourse Debt Minimum Gain Char</U>g<U>eback</U>. Except as otherwise provided in Regulations section 1.704-2(i)(4)
or in <U>Section 6.2(a)(i)</U>, if there is a net decrease in Member Minimum Gain attributable to a Member Nonrecourse Debt during
any Fiscal Year, each Holder who has a share of the Member Minimum Gain attributable to such Member Nonrecourse Debt (determined
in accordance with Regulations section 1.704-2(i)(5)) as of the beginning of the Fiscal Year shall be specially allocated items
of Company income</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">and gain for such Fiscal Year (and, if
necessary, subsequent Fiscal Years) in an amount equal to such Holder&#8217;s respective share of the net decrease in Member Minimum
Gain attributable to such Member Nonrecourse Debt. A Holder&#8217;s share of the net decrease in Member Minimum Gain shall be determined
in accordance with Regulations section 1.704-2(i)(4); provided that a Holder shall not be subject to this provision to the extent
that an exception is provided by Regulations section 1.704-2(i)(4) and any IRS revenue rulings, revenue procedures, or notices
issued with respect thereto. Allocations pursuant to this <U>Section 6.2(a)(ii)</U> shall be made in proportion to the respective
amounts required to be allocated to each Holder pursuant thereto. The items to be so allocated shall be determined in accordance
with Regulations sections 1.704-2(i)(4) and 1.704-2(j)(2). This <U>Section 6.2(a)(ii)</U> is intended to comply with the minimum
gain chargeback requirement in Regulations section 1.704-2(i) and shall be interpreted consistently therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Nonrecourse Deductions and Member Nonrecourse Deductions</U>. Any Nonrecourse Deductions for any Fiscal Year shall be
specially allocated to the Holders in accordance with their respective Percentage Interests. Any Member Nonrecourse Deductions
for any Fiscal Year shall be specially allocated to the Holder(s) who bears the economic risk of loss with respect to the Member
Nonrecourse Debt to which such Member Nonrecourse Deductions are attributable, in accordance with Regulations section 1.704-2(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Q<U>ualified Income Offset</U>. If any Holder unexpectedly receives an adjustment, allocation or distribution described
in Regulations section 1.704-1(b)(2)(ii)(d)(4), (5) or (6), items of Company income and gain shall be allocated, in accordance
with Regulations section 1.704-1(b)(2)(ii)(d), to such Holder in an amount and manner sufficient to eliminate, to the extent required
by such Regulations, the Adjusted Capital Account Deficit of such Holder as quickly as possible, provided that an allocation pursuant
to this <U>Section 6.2(a)(iv)</U> shall be made if and only to the extent that such Holder would have an Adjusted Capital Account
Deficit after all other allocations provided in this <U>Article VI</U> have been tentatively made as if this <U>Section 6.2(a)(iv)</U>
were not in the Agreement. It is intended that this <U>Section 6.2(a)(iv)</U> comply with the qualified income offset requirement
in Regulations section 1.704-1(b)(2)(ii)(d) and shall be interpreted consistently therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Gross Income Allocation</U>. In the event that any Holder has a deficit Capital Account at the end of any Fiscal Year
that is in excess of the sum of (1) the amount (if any) that such Holder is obligated to restore to the Company upon complete liquidation
of such Holder&#8217;s Company Interest and (2) the amount that such Holder is deemed to be obligated to restore pursuant to the
penultimate sentences of Regulations sections 1.704-2(g)(1) and 1.704-2(i)(5), each such Holder shall be specially allocated items
of Company income and gain in the amount of such excess to eliminate such deficit as quickly as possible, provided that an allocation
pursuant to this <U>Section 6.2(a)(v)</U> shall be made if and only to the extent that such Holder would have a deficit Capital
Account in excess of such sum after all other allocations provided in this <U>Article VI</U> have been tentatively made as if this
<U>Section 6.2(a)(v)</U> and <U>Section 6.2(a)(iv)</U> were not in the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Limitation on Allocation of Net Loss</U>. To the extent that any allocation of Net Loss (or items of loss) would cause
or increase an Adjusted Capital Account Deficit as to any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Holder, such allocation of Net Loss (or
items of loss) shall be reallocated (x) first, among the other Holders of Class A Common Units in accordance with their respective
Percentage Interests, and (y) thereafter, among the Holders of other Company Units, as determined by the Managing Member (with
the approval of the Original Member Representative, such approval not to be unreasonably withheld, delayed, or conditioned), subject
to the limitations of this <U>Section 6.2(a)(vi)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(vii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Section 754 Ad</U>j<U>ustment</U>. To the extent that an adjustment to the adjusted tax basis of any Company asset pursuant
to Section 734(b) of the Code or Section 743(b) of the Code is required, pursuant to Regulations section 1.704-1(b)(2)(iv)(m)(2)
or Regulations section 1.704-1(b)(2) (iv)(m)(4), to be taken into account in determining Capital Accounts as the result of a distribution
to a Holder of Class A Common Units in complete liquidation of its interest in the Company, the amount of such adjustment to the
Capital Accounts shall be treated as an item of gain (if the adjustment increases the basis of the asset) or loss (if the adjustment
decreases such basis), and such gain or loss shall be specially allocated to the Holders of Class A Common Units in accordance
with their respective Percentage Interests in the event that Regulations section 1.704-1(b)(2)(iv)(m)(2) applies, or to the Holder(s)
to whom such distribution was made in the event that Regulations section 1.704-1(b) (2)(iv)(m)(4) applies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(viii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Curative Allocations</U>. The allocations set forth in <U>Sections 6.2(a)(i)</U>, <U>(ii)</U>, <U>(iii)</U>, <U>(iv)</U>,
<U>(v)</U>, <U>(vi)</U> and (vii) (the &#8220;<U>Re</U>g<U>ulator</U>y <U>Allocations</U>&#8221;) are intended to comply with certain
regulatory requirements, including the requirements of Regulations sections 1.704-1(b) and 1.704-2. Notwithstanding the provisions
of <U>Section 6.1</U>, the Regulatory Allocations shall be taken into account in allocating other items of income, gain, loss and
deduction among the Holders of Class A Common Units so that to the extent possible without violating the requirements giving rise
to the Regulatory Allocations, the net amount of such allocations of other items and the Regulatory Allocations to each Holder
of a Class A Common Unit shall be equal to the net amount that would have been allocated to each such Holder if the Regulatory
Allocations had not occurred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Allocation of Excess Nonrecourse Liabilities</U>. For purposes of determining a Holder&#8217;s proportional share of
the &#8220;excess nonrecourse liabilities&#8221; of the Company within the meaning of Regulations section 1.752-3(a)(3), each Holder&#8217;s
respective interest in Company profits shall be equal to such Holder&#8217;s Percentage Interest with respect to Class A Common
Units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tax Allocations</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>In General</U>. Except as otherwise provided in this <U>Section 6.3</U>, for income tax purposes under the Code and the
Regulations each Company item of income, gain, loss and deduction (collectively, &#8220;<U>Tax Items</U>&#8221;) shall be allocated
among the Holders in the same manner as its correlative item of &#8220;book&#8221; income, gain, loss or deduction is allocated
pursuant to <U>Sections 6.1</U> and <U>Section 6.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Section 704(c) Allocations</U>. Notwithstanding <U>Section 6.3(a)</U>, Tax Items with respect to an Asset that is contributed
to the Company with a Gross Asset Value that varies from its basis in the hands of the contributing Member immediately preceding
the date of contribution</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">shall be allocated among the Holders for
income tax purposes pursuant to Regulations promulgated under Section 704(c) of the Code so as to take into account such variation.
The Company shall account for such variation under the traditional method as described in Regulations section 1.704-3(b), or such
other method determined by the Managing Member and permitted by Regulations (with the approval of the Original Member Representative,
such approval not to be unreasonably withheld, delayed, or conditioned). In the event that the Gross Asset Value of any Company
asset is adjusted pursuant to subsection (b) of the definition of &#8220;<U>Gross Asset Value</U>&#8221; (provided in <U>Section
1.1</U>), subsequent allocations of Tax Items with respect to such asset shall take account of the variation, if any, between the
adjusted basis of such asset and its Gross Asset Value in the same manner as under Section 704(c) of the Code and the applicable
Regulations and using the traditional method as described in Regulations section 1.704-3(b), or such other method determined by
the Managing Member and permitted by Regulations (with the approval of the Original Member Representative, such approval not to
be unreasonably withheld, delayed, or conditioned). If, as a result of an exercise of a non-compensatory option to acquire an interest
in the Company, a Capital Account reallocation is required under Regulations Sections 1.704-1(b)(2)(iv)(<I>s</I>)(3), the Company
shall make corrective allocations pursuant to Regulations Section 1.704-1(b)(4)(x). If, pursuant to <U>Section 6.2(a)(i)</U>, the
Managing Member causes a Capital Account reallocation in accordance with principles similar to those set forth in Regulations Section
1.704-1(b)(2)(iv)(<I>s</I>)(3), the Managing Member shall make corrective allocations in accordance with principles similar to
those set forth in Regulations Section 1.704-1(b)(4)(x).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Other Allocation Rules</U>. With regard to the Managing Member&#8217;s acquisition of the Class A Common Units (including
the Earnout Company Units) pursuant to the Business Combination Agreement, Net Income and Net Loss shall be allocated to the Members
of the Company so as to take into account the varying interests of the Members in the Company using an &#8220;interim closing of
the books&#8221; method in a manner that complies with the provisions of Section 706 of the Code and the Regulations thereunder.
If during any Fiscal Year there is any other change in any Member&#8217;s ownership of Company Units in the Company, the Managing
Member shall consult in good faith with the Original Member Representative and the tax advisors to the Company and allocate the
Net Income or Net Loss to the Members of the Company so as to take into account the varying interests of the Members in the Company
using an &#8220;interim closing of the books&#8221; method in a manner that complies with the provisions of Section 706 of the
Code and the Regulations thereunder; provided however that such allocations may instead be made in another manner that complies
with the provisions of Section 706 of the Code and the Regulations thereunder and that is selected by the Managing Member (with
the prior written consent of the Original Member Representative, not to be unreasonably withheld, conditioned or delayed).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Earnout Company Units</U>. Notwithstanding any other provision of this Agreement, the parties intend that, for U.S. federal
income tax purposes, Earnout Company Units shall be treated as having satisfied the earnout criteria set forth in Section 2.6 of
the Business Combination Agreement for purposes of allocating Net Income and Net Loss pursuant to this Article VI (including for
the purposes of determining amounts distributable to the Members in the case of any hypothetical distribution or liquidation and
determining such Members&#8217; Assumed Tax Liability and entitlement to distributions pursuant to <U>Section 5.2</U>). If and
when the Earnout</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Company Units are forfeited for failing
to have satisfied the earnout criteria set forth in the Business Combination Agreement, the parties intend and agree (x) that the
Managing Member may make such allocations as deemed necessary to reflect such forfeiture and (y) to prepare and file all tax returns
consistent therewith unless otherwise required by a &#8220;determination&#8221; within the meaning of Section 1313 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
VII</FONT><BR>
OPERATIONS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Management</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member shall have full, exclusive and complete discretion to manage and control the business and affairs of
the Company, to make all decisions affecting the business and affairs of the Company and to do or cause to be done any and all
acts, at the expense of the Company, as it deems necessary or appropriate to accomplish the purposes and direct the affairs of
the Company. The Managing Member shall have the exclusive power and authority to bind the Company, except and to the extent that
such power is expressly delegated in writing to any other Person by the Managing Member, and such delegation shall not cause the
Managing Member to cease to be a Member or the Managing Member of the Company. The Managing Member shall be an agent of the Company&#8217;s
business, and the actions of the Managing Member taken in such capacity and in accordance with this Agreement shall bind the Company.
The Managing Member shall at all times be a Member of the Company. The Managing Member shall constitute a &#8220;manager&#8221;
under the Act. Notwithstanding any provision of this Agreement, the Company, and the Managing Member on behalf of the Company,
may enter into and perform any document without any vote or consent of any other Person. No Member or Assignee (other than in its
separate capacity as the Managing Member, any of its Affiliates or any member, officer or employee of the Managing Member, the
Company or any of their Affiliates, in their capacity as such) shall take part in the operations, management or control (within
the meaning of the Act) of the Company&#8217;s business, transact any business in the Company&#8217;s name, or have the power to
sign documents for or otherwise bind the Company. The transaction of any such business by the Managing Member, any of its Affiliates
or any member, officer or employee of the Managing Member, the Company or any of their Affiliates, in their capacity as such, shall
not affect, impair, or eliminate the limitations on the liability of the Members or Assignees under this Agreement. The Managing
Member may not withdraw or be removed from the Company except as set forth in <U>Section 11.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The determination as to any of the following matters, made by or at the direction of the Managing Member consistent with
the Act and this Agreement, shall be final and conclusive and shall be binding upon the Company and every Member: (i) the amount
of assets at any time available for distribution or the redemption of Class A Common Units; (ii) the amount and timing of any distribution;
(iii) any determination to Exchange Class A Common Units; (iv) the amount, purpose, time of creation, increase or decrease, alteration
or cancellation of any reserves or charges and the propriety thereof (whether or not any obligation or liability for which such
reserves or charges shall have been created shall have been paid or discharged); (v) the fair value, or any sale, bid or asked
price to be applied in determining the fair value, of any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">asset owned or held by the Company; (vi)
any matter relating to the acquisition, holding and disposition of any assets by the Company; or (vii) any other matter relating
to the business and affairs of the Company or required or permitted by applicable law, this Agreement or otherwise to be determined
by the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member may also, from time to time, appoint such officers and establish such management and/or advisory boards
or committees of the Company as the Managing Member deems necessary or advisable, each of which shall have such powers, authority
and responsibilities as are delegated in writing by the Managing Member from time to time, provided that in no event shall the
Managing Member or the Board be absolved of its fiduciary duties pursuant to <U>Section 7.5(c)</U> by virtue of any such appointment.
Each such officer and/or board or committee member shall serve at the pleasure of the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as otherwise expressly provided in this Agreement or required by any non-waivable provision of the Act or other applicable
law, no Member other than the Managing Member shall (i) have any right to vote on or consent to any other matter, act, decision
or document involving the Company or its business, or (ii) take part in the day-to-day management, or the operation or control,
of the business and affairs of the Company. Without limiting the generality of the foregoing, the Managing Member may cause the
Company, without the consent or approval of any other Member, to enter into any of the following in one or a series of related
transactions: (A) any merger, (B) any acquisition, (C) any consolidation, (D) any sale, lease, division or other transfer or conveyance
of assets, (E) any recapitalization or reorganization of outstanding securities, (F) any merger, sale, lease, spin-off, exchange,
transfer or other disposition of a subsidiary, division or other business, (G) any issuance of debt or equity securities (subject
to any limitations expressly provided for herein) or (H) any incurrence of indebtedness. Except to the extent expressly delegated
in writing by the Managing Member, no Member or Person other than the Managing Member shall be an agent for the Company or have
any right, power or authority to transact any business in the name of the Company or to act for or on behalf of or to bind the
Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Only the Managing Member may commence a voluntary case on behalf of, or an involuntary case against, the Company under a
chapter of Title 11 U.S.C. by the filing of a &#8220;petition&#8221; (as defined in 11 U.S.C. 101(42)) with the United States Bankruptcy
Court. Any such petition filed by any other Member, to the fullest extent permitted by applicable law, shall be deemed an unauthorized
and bad faith filing and all parties to this Agreement shall use their best efforts to cause such petition to be dismissed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>It is anticipated that the Managing Member&#8217;s primary business activities shall be focused on the operation of the
Company and its Subsidiaries. Subject to the foregoing, the Members acknowledge and agree that, subject to the terms of any other
employment, consulting or similar arrangements or engagement with the Company, the Managing Member, or any Affiliate of either
of them:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any Member and its Affiliates may engage or invest in any other business, activity or opportunity of any nature, independently
or with others;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> neither the Company nor any Member (in its capacity as such) shall have any right to participate in any manner in such
engagement or investment, or the profits or income earned or derived therefrom; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the pursuit of such activities by any such Member shall not be deemed in violation of breach of this Agreement or any obligation
or duty owed by such Member to the Company or the other Members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to <U>Section 7.1(h)</U>, the Managing Member shall have the power, without the consent of the Members or the consent
or approval of any Member, to amend this Agreement as may be required to facilitate or implement any of the following purposes:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to add to the obligations of the Managing Member or surrender any right or power granted to the Managing Member or any Affiliate
of the Managing Member for the benefit of the Members;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to reflect the admission, substitution or withdrawal of Members, the Transfer of any Company Interest or the termination
of the Company in accordance with this Agreement, and to amend the Register in connection with such admission, substitution, withdrawal
or Transfer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to reflect a change that is of an inconsequential nature or does not adversely affect the Members in any material respect,
or to cure any ambiguity, correct or supplement any provision in this Agreement not inconsistent with law or with other provisions,
or make other changes with respect to matters arising under this Agreement that will not be inconsistent with law or with the provisions
of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to satisfy any requirements, conditions or guidelines contained in any order, directive, opinion, ruling or regulation of
a federal or state agency or contained in federal or state law;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to modify either or both of the manner in which items of Net Income or Net Loss are allocated pursuant to <U>Article VI</U>
or the manner in which Capital Accounts are adjusted, computed, or maintained (but in each case only to the extent set forth in
the definition of &#8220;Capital Account&#8221; or <U>Section 5.4</U> or as contemplated by the Code or the Regulations);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to reflect the issuance of additional Company Interests in accordance with <U>Article IV</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(vii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to set forth or amend the designations, preferences, conversion or other rights, voting powers, restrictions, limitations
as to distributions, qualifications or terms or conditions of redemption of any additional Company Units issued pursuant to <U>Article
IV</U>; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(viii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>to reflect any other modification to this Agreement as is reasonably necessary for the business or operations of the Company
or the Managing Member and which does not violate <U>Section 7.1(h)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Notwithstanding <U>Article XIII</U>, this Agreement shall not be amended, and no action may be taken by the Managing Member,
without the consent of each Member adversely affected thereby (if any), if such amendment or action would (i) modify the limited
liability of a Member or increase the obligation of a Member to make a Capital Contribution to the Company, (ii) adversely alter
the rights of any Member to receive the distributions to which such Member is entitled pursuant to <U>Article V</U> or <U>Section
12.3(a)(iii)</U>, or alter the allocations specified in <U>Article VI</U> (except, in any case, as permitted pursuant to <U>Sections
4.2</U>, <U>5.4</U> and <U>7.1(g)</U>), (iii) alter or modify in a manner that adversely affects any Member the Exchange rights,
Cash Exchange Payment or Stock Exchange Payment as set forth in <U>Section 14.1</U>, or amend or modify any related definitions,
(iv) would convert the Company into a corporation, or (v) amend <U>Section 7.3(b)</U> or this <U>Section 7.1(h)</U>; <U>provided</U>,
<U>however</U>, that, with respect to clauses (ii), (iii), (iv) and (v), the consent of any individual Member adversely affected
shall not be required for any amendment or action that affects all Members holding the same class or series of Company Units on
a uniform or pro rata basis, if approved by a Majority in Interest of the Members of such class or series. Further, no amendment
may alter the restrictions on the Managing Member&#8217;s authority set forth elsewhere in this <U>Section 7.1</U> without the
consent specified therein. Any such amendment or action consented to by any Member shall be effective as to that Member, notwithstanding
the absence of such consent by any other Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Compensation and Advances</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member shall not receive any fees from the Company for its services in administering the Company, except as
otherwise provided herein (including the provisions of <U>Articles V</U> and <U>VI</U> regarding distributions, payments and allocations
to which it may be entitled in its capacity as the Managing Member).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>From time to time until such time as the Managing Member owns no other Person or businesses (other than the Company or any
of its Subsidiaries), the Company shall be liable for, and shall reimburse the Managing Member, on a monthly basis, or such other
basis as the Managing Member may determine, for sums to the extent expended by the Managing Member (and specifically excluding
sums paid directly by the Company or any of its subsidiaries) in connection with the Company&#8217;s business, including (i) expenses
relating to the ownership of interests in and management and operation of, or for the benefit of, the Company, (ii) compensation
of officers and employees of the Managing Member or the Company, (iii) director fees and expenses, (iv) all costs and expenses
of the Managing Member being a public company, including costs of filings with the SEC, tax returns, reports and other distributions
to its stockholders, and (v) other costs and expenses incidental to their existence or related to the foregoing matters; provided
that for the avoidance of doubt in no event shall the expenses payable pursuant to this <U>Section 7.2(b)</U> include any tax liability
of the Managing Member. Such reimbursements shall be in addition to any reimbursement of the Managing Member as a result of indemnification
pursuant to <U>Section 7.6</U>. Notwithstanding anything herein to the contrary, the Managing Member shall not be entitled to reimbursement
of expenses incurred at or prior to the Effective Time unless and to the extent such expenses constitute Final Buyer Transaction
Expenses within the meaning of the Business Combination Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> To the extent practicable, Company expenses shall be billed directly to and paid by the Company and, if and to the extent
any reimbursements to the Managing Member or any of its Affiliates by the Company pursuant to this <U>Section 7.2 </U>constitute
gross income to such Person (as opposed to a repayment of advances made by such Person on behalf of the Company), such amounts
shall be treated as &#8220;guaranteed payments&#8221; within the meaning of Section 707(c) of the Code (unless otherwise required
by the Code and the Regulations) and shall not be treated as distributions for purposes of computing the Members&#8217; Capital
Accounts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Outside Activities</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member shall not directly or indirectly enter into or conduct any business, other than in connection with and
to the extent permitted hereby, (i) the ownership, acquisition and disposition of Company Interests, (ii) the management of the
business of the Company, (iii) its operation as a reporting company with a class (or classes) of securities registered under the
Exchange Act, (iv) the offering, sale, syndication, private placement or public offering of stock, bonds, securities or other interests,
(v) financing or refinancing of any type related to the Company or its assets or activities, and (vi) such activities as are incidental
thereto. Nothing contained herein shall be deemed to prohibit the Managing Member from executing guarantees of Company debt for
which it would otherwise be liable in its capacity as Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to any agreements entered into pursuant to <U>Section 7.4</U> and any other agreements entered into by a Member
or any of its Affiliates with the Managing Member, the Company or a Subsidiary (including any employment agreement), any Member
and any Assignee, officer, director, employee, agent, trustee, Affiliate, member or stockholder of any Member shall be entitled
to and may have business interests and engage in business activities in addition to those relating to the Company, including business
interests and activities that are in direct or indirect competition with the Company or that are enhanced by the activities of
the Company. Neither the Company nor any Member shall have any rights by virtue of this Agreement in any business ventures of any
Member or any Assignee, officer, director, employee, agent, trustee, Affiliate, member or stockholder of any Member. Subject to
such agreements, none of the Members nor any other Person shall have any rights by virtue of this Agreement in any business ventures
of any other Person (other than the Managing Member, to the extent expressly provided herein), and such Person shall have no obligation
pursuant to this Agreement, subject to <U>Section 7.4</U> and any other agreements entered into by a Member or its Affiliates with
the Managing Member, the Company or a Subsidiary, to offer any interest in any such business ventures to the Company, any Member,
or any such other Person, even if such opportunity is of a character that, if presented to the Company, any Member or such other
Person, could be taken by such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Transactions with Affiliates</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company may lend or contribute funds or other assets to the Managing Member and its Subsidiaries or other Persons in
which the Managing Member has an equity investment, and such Persons may borrow funds from the Company, on terms and conditions
no less favorable to the Company in the aggregate than would be available from unaffiliated third parties as determined by the
Managing Member. The foregoing authority shall not create any right</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or benefit in favor of any Member or any
other Person. It is expressly acknowledged and agreed by each Member that, to the extent approved by the Managing Member, the Managing
Member may (i) borrow funds from the Company in order to redeem, at any time or from time to time, options or warrants previously
or hereafter issued by the Managing Member, (ii) put to the Company, for cash, any rights, options, warrants or convertible or
exchangeable securities that the Managing Member may desire or be required to purchase or redeem, (iii) borrow funds from the Company
to acquire assets that will be contributed to the Company for Company Units, or (iv) pay expenses of the Managing Member, including
expenses referred to in <U>Section 7.2(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as provided in <U>Section 7.3</U>, the Company may transfer assets to joint ventures, limited liability companies,
partnerships, corporations, business trusts or other business entities in which it is or thereby becomes a participant upon such
terms and subject to such conditions consistent with this Agreement and applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member and its Affiliates may sell, transfer or convey any property to the Company, directly or indirectly,
on terms and conditions no less favorable to the Company in the aggregate than would be available from unaffiliated third parties
as determined by the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member may propose and adopt on behalf of the Company employee benefit plans funded by the Company for the
benefit of employees of the Managing Member, the Company, Subsidiaries of the Company or any Affiliate of any of them in respect
of services performed, directly or indirectly, for the benefit of the Managing Member, the Company or any of the Company&#8217;s
Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Liability of Members; Fiduciary and Other Duties; Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as otherwise provided by the Act, the debts, expenses, obligations and liabilities of the Company, whether arising
in contact, tort or otherwise, shall be solely the debts, expenses, obligations and liabilities of the Company, and no Member (including
any Managing Member) shall be obligated personally for any such debt, expense, obligation, or liability of the Company solely by
reason of being a Member. All Persons dealing with the Company shall have recourse solely to the Company for the payment of the
debts, expenses, obligations or liabilities of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the greatest extent permitted under applicable law, no Member, including the Managing Member and the Original Member
Representative in such Member&#8217;s capacity as such, and none of such Person&#8217;s officers, directors, partners, managers
members, shareholders and employees, nor the members of the Board nor the employees and officers of the Company (all such persons
being referred to as &#8220;<U>Indemnitees</U>&#8221;) shall be liable, in damages or otherwise, to the Company or to any Member
for any losses sustained or liabilities incurred as a result of any act or omission of such Indemnitee not in violation of its
fiduciary duties, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>An Indemnitee acting under this Agreement shall not be liable to the Company or to any other Indemnitee for such Person&#8217;s
good-faith reliance on the provisions of this Agreement. No Member, in its capacity as Member, shall owe any duty (including fiduciary
duty) to the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Company or any of its Members (all such
duties being hereby eliminated to the greatest extent possible).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member may consult with legal counsel, accountants and financial or other advisors, and any act or omission
suffered or taken by the Managing Member on behalf of the Company or in furtherance of the interests of the Company in good faith
in reliance upon and in accordance with the advice of such counsel, accountants or financial or other advisors will be full justification
for any such act or omission, and the Managing Member will be fully protected in so acting or omitting to act so long as such counsel
or accountants or financial or other advisors were selected with reasonable care.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Indemnification</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company shall indemnify and hold harmless each Indemnitee (and such person&#8217;s heirs, successors, assigns, executors
or administrators) to the full extent permitted by law from and against any and all losses, claims, damages, liabilities, expenses
(including reasonable attorney&#8217;s fees and other legal fees and expenses), judgments, fines, settlements and other amounts
of any nature whatsoever, known or unknown, liquid or illiquid (collectively, &#8220;<U>Liabilities</U>&#8221;) arising from any
and any threatened, pending or completed claims, demands, actions, suits or proceedings, civil, criminal, administrative or investigative,
and whether formal or informal, including appeals (&#8220;<U>Actions</U>&#8221;), in which such Indemnitee may be involved, or
is threatened to be involved, as a party or otherwise, by reason of any act performed or omitted to be performed by such Indemnitee
on behalf of the Company or by reason of the fact that the Indemnitee is or was serving as an officer, director, partner, trustee,
employee, representative or agent of the Company if (i) the Indemnitee acted in good faith, within the scope of such Indemnitee&#8217;s
authority, and in a manner it believed to be in, or not contrary to, the best interests of the Company, (ii) the Action was not
initiated by the Indemnitee (other than an action to enforce such Indemnitee&#8217;s rights to indemnification or advance of expenses
under this <U>Section 7.6</U>), (iii) the Indemnitee has not been established by a final judgment of a court of competent jurisdiction
to be liable to the Company, and (iv) such action or inaction did not constitute fraud or willful misconduct by the Indemnitee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Expenses incurred by an Indemnitee in defending any Action, subject to this <U>Section 7.6</U> shall be advanced by the
Company prior to the final disposition of such Action upon receipt by the Company of a written commitment by or on behalf of the
Indemnitee to repay such amount if it shall be determined that such Indemnitee is not entitled to be indemnified as authorized
in this <U>Section 7.6</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any indemnification obligations of the Company arising under this <U>Section 7.6</U> shall be satisfied out of any Company
assets (including any amounts otherwise currently or subsequently distributable to any Member(s)) and not from any assets of the
Members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The provisions of this <U>Section 7.6</U> are for the benefit of the Indemnitees and shall not be deemed to create any rights
for the benefit of any other Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The right to indemnification provided hereby shall not be exclusive of, and shall not affect, any other rights to which
an Indemnitee or any other Person may be entitled under any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">agreement, pursuant to any vote of the
Members, as a matter of law or otherwise, and shall continue as to an Indemnitee who has ceased to serve in such capacity and shall
inure to the benefit of the heirs, successors, assigns, executors and administrators of the Indemnitee unless otherwise provided
in a written agreement with such Indemnitee or in the writing pursuant to which such Indemnitee is indemnified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the fullest extent permitted by applicable law, the Company may, but shall not be obligated to, purchase and maintain
insurance, on behalf of any of the Indemnitees and such other Persons as the Managing Member shall determine, against any liability
that may be asserted against or expenses that may be incurred by such Person in connection with the Company&#8217;s activities,
regardless of whether the Company would have the power to indemnify such Person against such liability under the provisions of
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>An Indemnitee shall not be denied indemnification in whole or in part under this <U>Section 7.6</U> because the Indemnitee
had an interest in the transaction with respect to which the indemnification applies if the transaction was otherwise permitted
by the terms of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The provisions of this <U>Section 7.6</U> are for the benefit of the Indemnitees, their heirs, successors, assigns, executors
and administrators and shall not be deemed to create any rights for the benefit of any other Persons. Any amendment, modification
or repeal of this <U>Section 7.6</U> or any provision hereof shall be prospective only and shall not in any way affect the limitations
on the Company&#8217;s liability to any Indemnitee under this <U>Section 7.6</U> as in effect immediately prior to such amendment,
modification or repeal with respect to claims arising from or relating to matters occurring, in whole or in part, prior to such
amendment, modification or repeal, regardless of when such claims may arise or be asserted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary in this Agreement, the indemnification rights and obligations set forth in this
Agreement shall not apply to any breaches of fiduciary duties set forth in <U>Section 7.5(c)</U>, to the extent (and only to the
extent) that it has been finally determined by a court of competent jurisdiction that, respectively, a director of a Delaware corporation
would be prohibited by the laws of the State of Delaware from being indemnified with respect to such matter or a Delaware corporation
is prohibited by the laws of the State of Delaware from indemnifying a member of its board of directors with respect to such matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
VIII</FONT><BR>
RIGHTS AND OBLIGATIONS OF MEMBERS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 8.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Return of Capital</U>. Except pursuant to the rights of Exchange set forth in <U>Section 14.1</U>, no Member shall be
entitled to the withdrawal or return of its Capital Contribution, except to the extent of distributions made pursuant to this Agreement
or upon dissolution of the Company as provided herein. Except to the extent provided in <U>Article V</U> or <U>Article VI</U> or
otherwise expressly provided in this Agreement, no Member or Assignee shall have priority over any other Member or Assignee either
as to the return of Capital Contributions or as to profits, losses or distributions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 8.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Rights of Members Relating to the Company</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In addition to other rights provided by this Agreement or by the Act, the Managing Member shall deliver to each Member a
copy of any information mailed to all of the common stockholders of the Managing Member as soon as practicable after such mailing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding any other provision of this <U>Section 8.2</U>, the Managing Member may keep confidential from the Members
(or any of them), for such period of time as the Managing Member determines to be reasonable, any information that (i) the Managing
Member believes to be in the nature of trade secrets or other information the disclosure of which the Managing Member in good faith
believes is not in the best interests of the Company or the Managing Member or (ii) the Company or the Managing Member is required
by law or by agreement to keep confidential.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
IX</FONT><BR>
BOOKS AND RECORDS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Books and Records</U>. At all times during the continuance of the Company, the Company shall prepare and maintain separate
books of account for the Company for financial reporting purposes, on an accrual basis, in accordance with United States generally
accepted accounting principles, consistently applied. The Company shall keep at its principal office the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a current list of the full name and the last known street address of each Member;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>a copy of the Certificate and this Agreement and all amendments thereto; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>copies of the Company&#8217;s federal, state and local income tax returns and reports, if any, for the three most recent
years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Inspection</U>. Subject to <U>Section 15.12</U>, Members (personally or through an authorized representative) may, for
purposes reasonably related to their respective Company Interests, examine and copy (at their own cost and expense) the books and
records of the Company at all reasonable business hours upon reasonable prior notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
X</FONT><BR>
TAX MATTERS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 10.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Preparation of Tax Returns</U>. The Managing Member shall arrange for the preparation and timely filing of all returns
with respect to Company income, gains, deductions, losses and other items required of the Company for federal and state income
tax purposes and shall use all reasonable effort to furnish, within ninety (90) days of the close of each taxable year, an estimate
of the tax information reasonably required by the Members (including a draft Schedule K-1) for federal and state income tax and
any other tax reporting purposes and, within one hundred and eighty (180) days of the close of each taxable year, such final information
(including a final Schedule K-1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 10.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tax Elections</U>. The Managing Member shall file (or cause to be filed) an election pursuant to Code Section 754 (and
any corresponding provision for state and local income tax purposes) for the Company for the Fiscal Year that includes the Closing
Date and shall maintain and keep such election in effect at all times (and, if applicable, the Managing Member and the Company
shall cause any Subsidiary of the Company to file and maintain such an election). Except as otherwise provided herein, the Managing
Member shall determine whether to make any other available election pursuant to the Code; provided that the Managing Member shall
consult in good faith with the Original Member Representative with respect to any material tax election with respect to the Company
that could reasonably be expected to have an adverse effect on the Original Members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 10.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Partnership Representative</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member is hereby designated as the &#8220;partnership representative&#8221; pursuant to Section 6223(a) of
the Code (in such capacity, the &#8220;<U>Partnership Representative</U>&#8221;). In addition, the Managing Member is hereby authorized
to designate or remove any other Person selected by Managing Member as the Partnership Representative (with the approval of the
Original Member Representative, such approval not to be unreasonably withheld, delayed, or conditioned); provided that all actions
taken by the Partnership Representative pursuant to this <U>Section 10.3</U> shall be subject to the overall oversight and authority
of the Board. For each Fiscal Year in which the Partnership Representative is an entity, the Company shall appoint the &#8220;designated
individual&#8221; identified by the Partnership Representative and approved by the Board to act on its behalf in accordance with
the applicable Regulations or analogous provisions of state or local Law. Each Member hereby expressly consents to such designations
and agrees to take, and that the Managing Member is authorized to take (or cause the Company to take), such other actions as may
be necessary or advisable pursuant to Regulations or other Internal Revenue Service or Treasury guidance or state or local Law
to cause such designations or evidence such Member&#8217;s consent to such designations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to this <U>Section 10.3</U>, the Partnership Representative shall have the sole authority to act on behalf of the
Company in connection with, make all relevant decisions regarding application of, and to exercise the rights and powers provided
for in the BBA Rules, including making any elections under the BBA Rules or any decisions to settle, compromise, challenge, litigate
or otherwise alter the defense of any Action, audit or examination before the IRS or any other tax authority (each, an &#8220;<U>Audit</U>&#8221;),
and to expend Company funds for professional services and other expenses reasonably incurred in connection therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Without limiting the foregoing, the Partnership Representative shall give prompt written notice to the Original Member Representative
of the commencement of any Audit of the Company or any of its Subsidiaries (a &#8220;<U>Specified Audit</U>&#8221;). The Partnership
Representative shall (i) keep the Original Member Representative reasonably informed of the material developments and status of
any such Specified Audit, (ii) permit the Original Member Representative (or its designee) to participate (including using separate
counsel), in each case at the Original Members&#8217; sole cost and expense, in any such Specified Audit, and (iii) promptly notify
the Original Member Representative of receipt of a notice of a final partnership adjustment (or equivalent under</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">applicable Laws) or a final decision of
a court or IRS Appeals panel (or equivalent body under applicable Laws) with respect to such Specified Audit. The Partnership Representative
or the Company shall promptly provide the Original Member Representative with copies of all material correspondence between the
Partnership Representative or the Company (as applicable) and any Governmental Entity in connection with such Specified Audit and
shall give the Original Member Representative a reasonable opportunity to review and comment on any material correspondence, submission
(including settlement or compromise offers) or filing in connection with any such Specified Audit. Additionally, the Partnership
Representative shall not (and the Company shall not (and shall not authorize the Partnership Representative to)) settle, compromise
or abandon any Specified Audit in a manner that would reasonably be expected to have a disproportionate (compared to the Managing
Member) and material adverse effect on the Original Members without the Original Member Representative&#8217;s prior written consent
(which consent shall not be unreasonably withheld, delayed or conditioned). The Partnership Representative shall obtain the prior
written consent of the Original Member Representative (which consent shall not be unreasonably withheld, delayed or conditioned)
before (i) making an election under Section 6226(a) of the Code (or any analogous provision of state or local Law) (a &#8220;<U>Push-Out
Election</U>&#8221;) or (ii) taking any material action under the BBA Rules that would reasonably be expected to have a disproportionate
(compared to the Managing Member) and material adverse effect on the Original Members, in the case of <U>clauses (i) and (ii).</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary contained in this Agreement, in the event of any conflict between Section 7.1 of
the Business Combination Agreement and this Agreement, Section 7.1 of the Business Combination Agreement shall control. The Company,
the Partnership Representative, the Managing Member, and the Members hereby acknowledge and agree to the foregoing sentence and
expressly agree to be bound by the terms of Section 7.1 of the Business Combination Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This <U>Section 10.3</U> shall be interpreted to apply to Members and former Members and shall survive the Transfer of a
Member&#8217;s Company Units and the termination, dissolution, liquidation and winding up of the Company and, for this purpose
to the extent not prohibited by applicable Law, the Company shall be treated as continuing in existence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 10.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Withholding Tax Indemnification.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If the Company or any other Person in which the Company holds an interest is required by Law to withhold or to make tax
payments on behalf of or with respect to any Member, or the Company is subjected to tax itself (including any amounts withheld
from amounts directly or indirectly payable to the Company or to any other Person in which the Company holds an interest) by reason
of the status of any Member as such or that is specifically attributable to a Member (including federal, state, local or foreign
withholding, personal property, unincorporated business or other taxes, the amount of any taxes arising under the BBA Rules, the
amount of any taxes imposed under Code Section 1446(f), and any interest, penalties, additions to tax, and expenses related to
any such amounts) (&#8220;<U>Tax Advances</U>&#8221;), the Managing Member may cause the Company to withhold such amounts and cause
the Company to make such tax payments as so required, and each Member hereby authorizes the Company to do so. All Tax Advances
made on</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">behalf of a Member shall be repaid by reducing
the amount of the current or next succeeding distribution pursuant to <U>Section 5.1</U> or <U>Section 5.2</U> of this Agreement
and, if applicable, the proceeds of liquidation that would otherwise have been made to such Member under this Agreement. For all
purposes of this Agreement, such Member shall be treated as having received the amount of the distribution, if applicable, that
is equal to the Tax Advance at the time of such Tax Advance. Notwithstanding the foregoing, to the extent that the aggregate amount
of Tax Advances for any period made on behalf of a Member exceeds the actual distributions that would have otherwise been made
to such Member pursuant to <U>Section 5.1</U> or <U>Section 5.2</U> following such Tax Advances, then such Member shall indemnify
and hold harmless the Company for the entire amount of such excess (which has not offset distributions pursuant to this <U>Section
10.4</U>). For the avoidance of doubt, any income taxes, penalties, additions to tax and interest payable by the Company or any
fiscally transparent entity in which the Company owns an interest shall be treated as specifically attributable to the Members
and shall be allocated among the Members such that the burden of (or any diminution in distributable proceeds resulting from) any
such amounts is borne by those Members to whom such amounts are specifically attributable (whether as a result of their status,
actions, inactions or otherwise, including pursuant to an allocation made under <U>Section 10.3(c)</U>), in each case as reasonably
determined by the Partnership Representative. For the avoidance of doubt, any taxes, penalties, and interest payable under the
BBA Rules by the Company or any fiscally transparent entity in which the Company owns an interest shall be treated as specifically
attributable to the Members of the Company, and the Managing Member shall use commercially reasonable efforts to allocate the burden
of (or any diminution in distributable proceeds resulting from) any such taxes, penalties or interest to those Members to whom
such amounts are specifically attributable (whether as a result of their status, actions, inactions or otherwise), as determined
by the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the extent there are any Tax Advances outstanding with respect to the Company Units that are the subject of an Exchange
(or Direct Exchange) as of the Exchange Date, the Exchanging Member shall repay the Company such Tax Advances on the Exchange Date,
immediately prior to the Exchange (or Direct Exchange) and in no event shall the Managing Member have any liability with respect
to such Tax Advances outstanding on or prior to the date of such Exchange (or Direct Exchange).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This <U>Section 10.4</U> shall be interpreted to apply to Members and former Members and shall survive the Transfer of a
Member&#8217;s Company Units (and shall not burden any such Transferred Company Units nor the transferee of such Company Units)
and the termination, dissolution, liquidation and winding up of the Company and, for this purpose to the extent not prohibited
by applicable Law, the Company shall be treated as continuing in existence.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
XI</FONT><BR>
MEMBER TRANSFERS AND WITHDRAWALS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Transfer</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No part of the interest of a Member shall be subject to the claims of any creditor, to any spouse for alimony or support,
or to legal process, and may not be voluntarily or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">involuntarily alienated or encumbered except
as may be specifically provided for in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No Company Interest shall be Transferred, in whole or in part, except in accordance with the terms and conditions set forth
in this <U>Article XI</U>. Any Transfer or purported Transfer of a Company Interest not made in accordance with this <U>Article
XI</U> shall be null and void <I>ab initio</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Transfer of Managing Member&#8217;s Company Interest</U>. Except as set forth in this Agreement, the Managing Member
may not (i) Transfer all or any portion of its Company Interest, (ii) voluntarily withdraw as the Managing Member of the Company,
or (iii) be removed from the Company, in each case, without the consent of the Majority in Interest of the Members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Members&#8217; Rights to Transfer</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>General</U>. Except as provided herein, no Member shall Transfer all or any portion of such Company Interest to any transferee
without the consent of the Managing Member. Notwithstanding the foregoing, any Member may, at any time, without the consent of
the Managing Member, Transfer all or any portion of its Company Interest pursuant to a Permitted Transfer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Opinion of Counsel</U>. The Transferor shall deliver or cause to be delivered to the Managing Member an opinion of legal
counsel reasonably satisfactory to the Managing Member to the effect that the proposed Transfer may be effected without registration
under the Securities Act and will not otherwise violate the registration provisions of the Securities Act and the regulations promulgated
thereunder or violate any state securities laws or regulations applicable to the Company or the Company Interests Transferred;
<U>provided</U>, <U>however</U>, that the Managing Member may waive this condition upon the request of the Transferor. If the Managing
Member determines, based on the advice of counsel, that such Transfer would create a material risk of requiring the filing of a
registration statement under the Securities Act or otherwise violating any federal or state securities laws or regulations applicable
to the Company or the Company Units, the Managing Member may prohibit any Transfer otherwise permitted under this <U>Section 11.3</U>
by a Member of Company Interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Exception for Permitted Transfers</U>. The condition set forth in <U>Section 11.3(a)(ii)</U> shall not apply in the case
of a Permitted Transfer. It is a condition to any Transfer otherwise permitted hereunder (whether or not such Transfer is effected
during or after the applicable Lock-Up Period) that the transferee assumes by operation of law or express agreement all of the
obligations of the transferor Member under this Agreement with respect to such Transferred Company Interest, and no such Transfer
(other than pursuant to a statutory merger or consolidation wherein all obligations and liabilities of the transferor Member are
assumed by a successor corporation by operation of law) shall relieve the transferor Member of its obligations under this Agreement
without the approval of the Managing Member. Any transferee, whether or not admitted as a Substituted Member, shall take subject
to the obligations of the transferor hereunder. Unless admitted as a Substituted Member, no transferee, whether by a voluntary</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Transfer, by operation of law or otherwise,
shall have any rights hereunder, other than the rights of an Assignee as provided in <U>Section 11.5</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Incapacit</U>y. If a Member is subject to Incapacity, the executor, administrator, trustee, committee, guardian, conservator
or receiver of such Member&#8217;s estate shall have all the rights of a Member, but not more rights than those enjoyed by other
Members, for the purpose of settling or managing the estate, and such power as the Incapacitated Member possessed to Transfer all
or any part of its interest in the Company. The Incapacity of a Member, in and of itself, shall not dissolve or terminate the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Adverse Tax Consequences</U>. No Transfer by a Member of its Company Interests may be made to or by any Person if the
Managing Member reasonably determines in good faith, such Transfer (i) would create a material risk of the Company being classified
as a &#8220;publicly traded partnership&#8221; within the meaning of Section 7704 of the Code or (ii) would result in the Company
having more than 100 partners within the meaning of Treasury Regulations Section 1.7704-1(h) (determined taking into account the
rules of Treasury Regulations Section 1.7704-1(h)(3)); provided that, for such purposes, the Company and the Managing Member shall
assume that each Original Member and the Managing Member is treated as a single partner within the meaning of Regulations Section
1.7704-1(h) (determined taking into account the rules of Regulations Section 1.7704-1(h)(3)), unless otherwise required by applicable
Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Substituted Members</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No Member shall have the right to substitute a transferee other than a Permitted Transferee as a Member in its place. A
transferee of the interest of a Member may be admitted as a Substituted Member only with the consent of the Managing Member; <U>provided</U>,
<U>however</U>, that a Permitted Transferee shall be admitted as a Substituted Member pursuant to a Permitted Transfer without
the consent of the Managing Member, subject to compliance with the last sentence of this <U>Section 11.4</U>. The failure or refusal
by the Managing Member to permit a transferee of any such interests to become a Substituted Member shall not give rise to any cause
of action against the Company or the Managing Member. Subject to the foregoing, an Assignee shall not be admitted as a Substituted
Member until and unless it furnishes to the Managing Member (i) evidence of acceptance, in form and substance reasonably satisfactory
to the Managing Member, of all the terms, conditions and applicable obligations of this Agreement and the Investor Rights Agreement,
(ii) a counterpart signature page to this Agreement and the Investor Rights Agreement executed by such Assignee, (iii) Consent
by Spouse and (iv) such other documents and instruments as the Managing Member may reasonably require to effect such Assignee&#8217;s
admission as a Substituted Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Concurrently with, and as evidence of, the admission of a Substituted Member, the Managing Member shall amend the Register
and the books and records of the Company to reflect the name, address and number of Company Units of such Substituted Member and
to eliminate or adjust, if necessary, the name, address and number of Company Units of the predecessor of such Substituted Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> A transferee who has been admitted as a Substituted Member in accordance with this <U>Article XI</U> shall have all the
rights and powers and be subject to all the restrictions and liabilities of a Member under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Assignees</U>. If the Managing Member&#8217;s consent is required for the admission of any transferee under <U>Section
11.3</U> as a Substituted Member, as described in <U>Section 11.4</U>, and the Managing Member withholds such consent, such transferee
shall be considered an Assignee for purposes of this Agreement. An Assignee shall be entitled to all the rights of an assignee
of a membership interest under the Act, including the right to receive distributions from the Company and the share of Net Income,
Net Losses and other items of income, gain, loss, deduction and credit of the Company attributable to the Company Units assigned
to such transferee and the rights to Transfer the Company Units provided in this <U>Article XI</U>, but shall not be deemed to
be a holder of Company Units for any other purpose under this Agreement (other than as expressly provided in <U>Section 14.1</U>
with respect to a Member (other than the Managing Member) that becomes an Exchanging Member), and shall not be entitled to effect
a consent or vote with respect to such Company Units on any matter presented to the Members for approval (such right to consent
or vote, to the extent provided in this Agreement or under the Act, fully remaining with the transferor Member). In the event that
any such transferee desires to make a further assignment of any such Company Units, such transferee shall be subject to all the
provisions of this <U>Article XI</U> to the same extent and in the same manner as any Member desiring to make an assignment of
Company Units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>General Provisions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No Member may withdraw from the Company other than: (i) as a result of a permitted Transfer of all of such Member&#8217;s
Company Interest in accordance with this <U>Article XI</U> with respect to which the transferee becomes a Substituted Member; (ii)
pursuant to a redemption (or acquisition by the Managing Member) of all of its Company Interest pursuant to an Exchange under <U>Section
14.1</U>; or (iii) as a result of the acquisition by the Managing Member of all of such Member&#8217;s Company Interest, whether
or not pursuant to <U>Section 14.1(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any Member who shall Transfer all of its Company Units (i) in a Transfer permitted pursuant to this <U>Article XI</U> where
such transferee was admitted as a Substituted Member, (ii) pursuant to the exercise of its rights to effect an exchange of all
of its Company Units pursuant to an Exchange under <U>Section 14.1</U> or (iii) to the Managing Member, whether or not pursuant
to <U>Article XIV</U>, shall cease to be a Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If any Company Unit is Transferred in compliance with the provisions of this <U>Article XI</U>, or is redeemed by the Company,
or acquired by the Managing Member pursuant to <U>Section 14.1</U>, on any day other than the first day of a Fiscal Year, then
Net Income, Net Losses, each item thereof and all other items of income, gain, loss, deduction and credit attributable to such
Company Unit for such Fiscal Year shall be allocated to the transferor Member or the Exchanging Member (as the case may be) and,
in the case of a Transfer or assignment other than an Exchange, to the transferee Member, by taking into account their varying
interests during the Fiscal Year in accordance with Section 706(d) of the Code, using the &#8220;interim closing of the books&#8221;
method or another permissible method or methods selected by the Managing Member. Solely for</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">purposes of making such allocations, unless
otherwise determined by the Managing Member, each of such items for the calendar month in which a Transfer occurs shall be allocated
to the transferee Member and none of such items for the calendar month in which a Transfer or an Exchange occurs shall be allocated
to the transferor Member, or the Exchanging Member (as the case may be) if such Transfer occurs on or before the fifteenth (15th)
day of the month, otherwise such items shall be allocated to the transferor. All distributions attributable to such Company Unit
with respect to which the Company Record Date is before the date of such Transfer, assignment or Exchange shall be made to the
transferor Member or the Exchanging Member (as the case may be) and, in the case of a Transfer other than an Exchange, all distributions
thereafter attributable to such Company Unit shall be made to the transferee Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In addition to any other restrictions on Transfer herein contained, in no event may any Transfer or assignment of a Company
Interest by any Member (including any Exchange, any acquisition of Company Units by the Managing Member or any other acquisition
of Company Units by the Company) be made (i) to any person or entity who lacks the legal right, power or capacity to own a Company
Interest; (ii) in violation of applicable law; (iii) of any component portion of a Company Interest, such as the Capital Account,
or rights to distributions, separate and apart from all other components of a Company Interest; (iv) if the Managing Member determines
that such Transfer would create a material risk that the Company would become, with respect to any employee benefit plan subject
to Title I of ERISA, a &#8220;party-in-interest&#8221; (as defined in ERISA Section 3(14)) or a &#8220;disqualified person&#8221;
(as defined in Section 4975(c) of the Code); (v) if the Managing Member determines, based on the advice of counsel, that such Transfer
would create a material risk that any portion of the assets of the Company would constitute assets of any employee benefit plan
pursuant to Department of Labor Regulations section 2510.2-101; (vi) if such Transfer requires the registration of such Company
Interest pursuant to any applicable federal or state securities laws; (vii) if the Managing Member determines that such Transfer
creates a material risk that the Company would become a reporting company under the Exchange Act; or (viii) if such Transfer subjects
the Company to regulation under the Investment Company Act of 1940, the Investment Advisors Act of 1940 or ERISA, each as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For the avoidance of doubt, except to the extent expressly incorporated therein by reference, the provisions of this <U>Article
XI</U> shall not apply to an Exchange pursuant to <U>Article XIV</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In the event any transfer is permitted pursuant to this <U>Article XI</U>, the transferring parties shall demonstrate to
the satisfaction of the Managing Member either that no withholding is required in connection with such transfer under applicable
U.S. federal, state, local or non-U.S. law (including under Section 1445 or 1446 of the Code) or that any amounts required to be
withheld in connection with such transfer under applicable U.S. federal, state, local or non-U.S. law (including under Section
1446 of the Code, other than by reason of Section 1446(f)(4)) have been so withheld.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
XII</FONT><BR>
DISSOLUTION, LIQUIDATION AND TERMINATION</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>No Dissolution</U>. The Company may be dissolved, liquidated and terminated only pursuant to the provisions of this <U>Article
XII</U>, and the Members hereby irrevocably waive any and all other rights they may have to cause a dissolution of the Company
or a sale or partition of any or all of the Company assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Events Causing Dissolution</U>. The Company shall be dissolved and its affairs shall be wound up upon the occurrence
of any of the following events (each, a &#8220;<U>Liquidatin</U>g <U>Event</U>&#8221;):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the sale of all or substantially all of the Company&#8217;s assets;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>at any time there are no members of the Company;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>an election to dissolve the Company made by the Managing Member, with the consent of the Majority in Interest of the Members;
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the entry of a decree of judicial dissolution under Section 17-802 of the Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Distribution upon Dissolution</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Upon the dissolution of the Company pursuant to <U>Section 12.2</U>, the Managing Member (or, in the event that there is
no remaining Managing Member or the Managing Member has dissolved, become Bankrupt or ceased to operate, any Person elected by
a Majority in Interest of the Members (the Managing Member or such other Person being referred to herein as the &#8220;<U>Liquidator</U>&#8221;))
shall be responsible for overseeing the winding up and dissolution of the Company and shall take full account of the Company&#8217;s
liabilities and property, and the Company property shall be liquidated as promptly as is consistent with obtaining the fair value
thereof, and the proceeds therefrom (which may, to the extent determined by the Managing Member, include shares of stock in the
Managing Member) shall be applied and distributed in the following order:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>First, to the satisfaction of all of the Company&#8217;s debts and liabilities to creditors including Members who are creditors
(other than with respect to liabilities owed to Members in satisfaction of liabilities for distributions), whether by payment or
the making of reasonable provision for payment thereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Second, to the satisfaction of all of the Company&#8217;s liabilities to the Members in satisfaction of liabilities for
distributions, whether by payment or the making of reasonable provision for payment thereof; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The balance, if any, to the Holders in accordance with <U>Section 5.1</U>. The Managing Member shall not receive any additional
compensation for any services performed pursuant to this <U>Article XII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Notwithstanding the provisions of <U>Section 12.3(a)</U> that require liquidation of the assets of the Company, but subject
to the order of priorities set forth therein, if prior to or upon dissolution of the Company, the Liquidator determines that an
immediate sale of part or all of the Company&#8217;s assets would be impractical or would cause undue loss to the Holders, the
Liquidator may, in its sole and absolute discretion, defer for a reasonable time the liquidation of any assets except those necessary
to satisfy liabilities of the Company (including to those Holders as creditors) and/or distribute to the Holders, in lieu of cash,
as tenants in common and in accordance with the provisions of <U>Section 12.3(a)</U>, undivided interests in such Company assets
as the Liquidator deems not suitable for liquidation. Any such distributions in kind shall be made only if, in the good faith judgment
of the Liquidator, such distributions in kind are in the best interest of the Holders, and shall be subject to such conditions
relating to the disposition and management of such properties as the Liquidator deems reasonable and equitable and to any agreements
governing the operation of such properties at such time. The Liquidator shall determine the fair market value of any property distributed
in kind using such reasonable method of valuation as it may adopt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No Member shall be personally liable for a deficit Capital Account balance of that Member, it being expressly understood
that the distribution of liquidation proceeds shall be made solely from existing Company assets. In the sole and absolute discretion
of the Managing Member or the Liquidator, a pro rata portion of the distributions that would otherwise be made to the Holders pursuant
to this <U>Article XII</U> may be:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>distributed to a trust established for the benefit of the Managing Member and the Holders for the purpose of liquidating
Company assets, collecting amounts owed to the Company, and paying any contingent or unforeseen liabilities or obligations of the
Company or of the Managing Member arising out of or in connection with the Company and/or Company activities. The assets of any
such trust shall be distributed to the Holders, from time to time, in the reasonable discretion of the Managing Member, in the
same proportions and amounts as would otherwise have been distributed to the Holders pursuant to this Agreement; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>withheld or escrowed to provide a reasonable reserve for Company liabilities (contingent or otherwise) and to reflect the
unrealized portion of any installment obligations owed to the Company, provided that such withheld or escrowed amounts shall be
distributed to the Holders in the manner and order of priority set forth in <U>Section 12.3(a)</U> as soon as practicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Rights of Holders</U>. Except as otherwise provided in this Agreement, (a) each Holder shall look solely to the assets
of the Company for the return of its Capital Contribution, (b) no Holder shall have the right or power to demand or receive property
other than cash from the Company and (c) no Holder shall have priority over any other Holder as to the return of its Capital Contributions,
distributions or allocations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Termination</U>. The Company shall terminate when all of the assets of the Company, after payment of or due provision
for all debts, liabilities and obligations of the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Company, shall have been distributed to
the holders of Company Units in the manner provided for in this <U>Article XII</U>, and the Certificate shall have been cancelled
in the manner required by the Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Reasonable Time for Winding-Up</U>. A reasonable time shall be allowed for the orderly winding-up of the business and
affairs of the Company and the liquidation of its assets pursuant to <U>Section 12.3</U>, in order to minimize any losses otherwise
attendant upon such winding-up, and the provisions of this Agreement shall remain in effect between and among the Members during
the period of liquidation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
XIII</FONT><BR>
AMENDMENTS; MEETINGS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 13.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Amendments</U>. Except as otherwise required or permitted by this Agreement (including <U>Section 7.1</U>), amendments,
modifications and restatements of this Agreement must be approved by the consent of the Managing Member, the Majority in Interest
of the Members and, for as long as the Original Members have a Percentage Interest equal to or greater than 10%, the Original Member
Representative; <U>provided</U> that no modification, amendment, or restatement of any provision of this Agreement that materially
and adversely affects the rights or obligations hereunder of any Holder, in its capacity as such, without similarly affecting the
rights or obligations hereunder of all Holders shall be effective against such Holder unless approved in writing by such Holder;
<U>provided</U> further that any amendment, modification, or restatement of <U>Section 4.4</U> shall also require the consent of
Original Members holding a Percentage Interest equal to 67% of the Percentage Interests held by all Original Members. Upon obtaining
any such consent, or any other consent required by this Agreement, and without further action or execution by any other Person,
including any Member, (i) any amendment to this Agreement may be implemented and reflected in a writing executed solely by the
Managing Member, and (ii) the Members shall be deemed a party to and bound by such amendment of this Agreement. Within thirty (30)
days after the effectiveness of any amendment to this Agreement that does not receive the consent of all Members, the Managing
Member shall deliver a copy of such amendment to all Members that did not consent to such amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 13.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Procedures for Meetings and Actions of the Members</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No meetings of the Members are required to be held. Meetings of the Members may be called only by the Managing Member. The
call of any meeting by the Managing Member shall state the nature of the business to be transacted. Notice of any such meeting
shall be given to all Members entitled to act at the meeting not less than ten (10) days nor more than ninety (90) days prior to
the date of such meeting. Members may vote in person or by proxy at such meeting, in each case, by telephone, video conference
call, or internet proxy. Unless approval by a different number or proportion of the Members is required by this Agreement, the
affirmative vote of a Majority in Interest of the Members shall be sufficient to approve any proposal at a meeting of the Members.
Whenever the consent of any Members is permitted or required under this Agreement, such consent may be given at a meeting of Members
or in accordance with the procedure prescribed in <U>Section 13.2(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> Any action requiring the consent of any Member or a group of Members pursuant to this Agreement, or that is required or
permitted to be taken at a meeting of the Members may be taken without a meeting if a consent in writing or by electronic transmission
setting forth the action so taken or consented to is given by Members whose affirmative vote would be sufficient to approve such
action or provide such consent at a meeting of the Members. Such consent may be in one instrument or in several instruments, and
shall have the same force and effect as the affirmative vote of such Members at a meeting of the Members. Such consent shall be
filed with the Managing Member. An action so taken shall be deemed to have been taken at a meeting held on the effective date so
certified. For purposes of obtaining a consent in writing or by electronic transmission, the Managing Member may require a response
within a reasonable specified time, but not less than fifteen (15) days of receipt of notice, and failure to respond in such time
period shall constitute a consent that is consistent with the Managing Member&#8217;s recommendation with respect to the proposal;
<U>provided</U>, <U>however</U>, that an action shall become effective at such time as requisite consents are received even if
prior to such specified time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Member entitled to act at a meeting of Members may authorize any Person or Persons to act for it by proxy on all matters
in which a Member is entitled to participate, including waiving notice of any meeting, or voting or participating at a meeting.
Each proxy must be signed by the Member or its attorney-in-fact. No proxy shall be valid after the expiration of eleven (11) months
from the date thereof unless otherwise provided in the proxy (or there is receipt of a proxy authorizing a later date). Every proxy
shall be revocable at the pleasure of the Member executing it, such revocation to be effective upon the Company&#8217;s receipt
of written notice of such revocation from the Member executing such proxy, unless such proxy states that it is irrevocable and
is coupled with an interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member may set, in advance, a record date for the purpose of determining the Members (i) entitled to consent
to any action, (ii) entitled to receive notice of or vote at any meeting of the Members, or (iii) in order to make a determination
of Members for any other proper purpose. Such date, in any case, shall not be prior to the close of business on the day the record
date is fixed and shall be not more than ninety (90) days and, in the case of a meeting of the Members, not less than ten (10)
days, before the date on which the meeting is to be held. If no record date is fixed, the record date for the determination of
Members entitled to notice of or to vote at a meeting of the Members shall be at the close of business on the day on which the
notice of the meeting is sent, and the record date for any other determination of Members shall be the effective date of such Member
action, distribution or other event. When a determination of the Members entitled to vote at any meeting of the Members has been
made as provided in this section, such determination shall apply to any adjournment thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each meeting of Members shall be conducted by the Managing Member or such other Person as the Managing Member may appoint
pursuant to such rules for the conduct of the meeting as the Managing Member or such other Person deems appropriate in its sole
and absolute discretion. Without limitation, meetings of Members may be conducted in the same manner as meetings of the Managing
Member&#8217;s stockholders and may be held at the same time as, and as part of, the meetings of the Managing Member&#8217;s stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
XIV</FONT><BR>
EXCHANGE RIGHTS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 14.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Exchange Rights of the Members</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Exchange Procedures</U><I>. </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Upon the terms and subject to the conditions set forth in this <U>Section 14.1</U>, after the expiration of the applicable
Lock-Up Period and subject to any contractual limitation under the Investor Rights Agreement or otherwise agreed to in writing
by such Member, each Member (other than the Managing Member) shall be entitled at any time and from time to time to cause the Company
to effect an Exchange with respect to a number of Class A Common Units at least equal to or exceeding the Minimum Exchange Amount,
by delivering an Exchange Notice to the Company, with a copy to the Managing Member. An Exchange Notice may specify that the Exchange
is to be contingent (including as to timing) upon the consummation of a purchase by another Person (whether in a tender or exchange
offer, an underwritten offering or otherwise) of the Class A Shares into which the Class A Common Units are exchangeable, or contingent
(including as to timing) upon the closing of an announced merger, consolidation or other transaction or event in which such Class
A Shares would be exchanged or converted or become exchangeable for or convertible into cash or other securities or property. Notwithstanding
anything to the contrary contained in this Agreement, if, in connection with an Exchange in accordance with this <U>Section 14.1</U>,
a filing is required under the Hart-Scott-Rodino Antitrust Improvements Act of 1976 (&#8220;<U>HSR Act</U>&#8221;), then the Exchange
Date with respect to all Exchanged Units which would be exchanged into an equal number of Class A Shares resulting from such Exchange
shall be delayed until the earlier of (i) such time as the required filing under the HSR Act has been made and the waiting period
applicable to such Exchange under the HSR Act shall have expired or been terminated or (ii) such filing is no longer required,
at which time such Exchange shall automatically occur without any further action by the holders of any such Exchange Units. Each
of the Members, including the Managing Member, agree to promptly take all actions required to make such filing under the HSR Act
and the filing fee for such filing shall be paid by the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Within three (3) Business Days of the giving of an Exchange Notice, the Managing Member, on behalf of the Company, may elect
to settle all or a portion of the Exchange in cash in an amount equal to the Cash Exchange Payment (in lieu of Class A Shares),
exercisable by giving written notice of such election to the Exchanging Member within such three (3) Business Day period (such
notice, the &#8220;<U>Cash Exchange Notice</U>&#8221;). The Cash Exchange Notice shall set forth the portion of the Class A Common
Units subject to the Exchange which will be exchanged for cash in lieu of Class A Shares. Any portion of the Exchange not settled
for a Cash Exchange Payment shall be settled for a Stock Exchange Payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Exchanging Member may elect to retract its Exchange Notice by giving written notice of such election to the Managing
Member no later than (1) Business Day prior to the Exchange Date. The giving of any notice pursuant to this <U>Section 14.1</U>
shall terminate all of the Exchanging Member&#8217;s, the Managing Member&#8217;s and the Company&#8217;s rights and obligations</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">under this <U>Section 14.1</U> arising
from such retracted Exchange Notice (but not, for the avoidance of doubt, from any Exchange Notice not retracted or that may be
delivered in the future).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding anything to the contrary in this <U>Section 14.1</U>, the Managing Member may, in its sole and absolute
discretion, elect to effect on the Exchange Date the Exchange of Exchanged Units for the Cash Exchange Payment and/or the Stock
Exchange Payment, as the case may be (and subject to the terms of <U>Section 14.1(a)(ii)</U> and <U>(iii)</U>), through a direct
exchange of such Exchanged Units and with such consideration between the Exchanging Member and the Managing Member (a &#8220;<U>Direct
Exchange</U>&#8221;). Upon such Direct Exchange pursuant to this <U>Section 14.1(a)(iv)</U>, the Managing Member shall acquire
the Exchanged Units and shall be treated for all purposes of this Agreement as the owner of such Units; provided, that, any such
election by the Managing Member shall not relieve the Company of its obligation arising with respect to such applicable Exchange
Notice. The Managing Member may, at any time prior to an Exchange Date, deliver written notice (an &#8220;<U>Direct Exchange Election
Notice</U>&#8221;) to the Company and the Exchanging Member setting forth its election to exercise its right to consummate a Direct
Exchange; provided that such Election does not prejudice the ability of the parties to consummate an Exchange or Direct Exchange
on the Exchange Date. A Direct Exchange Election Notice may be revoked by the Managing Member at any time; provided that any such
revocation does not prejudice the ability of the parties to consummate an Exchange or Direct Exchange on the Exchange Date. The
right to consummate a Direct Exchange in all events shall be exercisable for all the Exchanged Units that would otherwise have
been subject to an Exchange. Except as otherwise provided in this <U>Section 14.1(a)(iv)</U>, a Direct Exchange shall be consummated
pursuant to the same timeframe and in the same manner as the relevant Exchange would have been consummated if the Managing Member
had not delivered a Direct Exchange Notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>An Earnout Company Unit is not permitted to be treated as an Exchanged Unit under this Agreement and in no event shall the
Company or the Managing Member effect an Exchange (including a Direct Exchange) of such an Earnout Company Unit unless and until
such Earnout Company Unit has satisfied the earnout criteria set forth in Section 2.6 of the Business Combination Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Exchange Payment<I>. </I></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Exchange (including a Direct Exchange) shall be consummated on the Exchange Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>On the Exchange Date (to be effective immediately prior to the close of business on the Exchange Date), in the case of an
Exchange, (i) the Managing Member shall contribute to the Company for delivery to the Exchanging Member (x) the Stock Exchange
Payment with respect to any Exchanged Units not subject to a Cash Exchange Notice and (y) the Cash Exchange Payment with respect
to any Exchanged Units subject to a Cash Exchange Notice, (ii) the Exchanging Member shall transfer and surrender the Exchanged
Units to the Company and the Original Member Representative shall surrender to the Managing Member the corresponding Class V Shares,
free and clear of all liens and encumbrances, other than those arising under this Agreement or securities laws, (iii) the Company
shall issue to the Managing Member a number of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Class A Common Units equal to the number
of Class A Common Units surrendered pursuant to clause (ii), (iv) solely to the extent necessary in connection with an Exchange,
the Managing Member shall undertake all actions, including an issuance, reclassification, distribution, division or recapitalization,
with respect to the Class A Shares to maintain a one-to-one ratio between the number of Class A Common Units owned by the Managing
Member, directly or indirectly, and the number of outstanding Class A Shares, taking into account the issuance in clause (iii),
any Stock Exchange Payment, and any other action taken in connection with this <U>Section 14.1</U>, (v) the Company shall (x) cancel
the redeemed Class A Common Units which were Exchanged Units held by the Exchanging Member and (y) transfer to the Exchanging Member
the Cash Exchange Payment and/or the Stock Exchange Payment, as applicable, and (vi) the Managing Member shall cancel the surrendered
Class V Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>On the Exchange Date (to be effective immediately prior to the close of business on the Exchange Date), in the case of a
Direct Exchange, (i) the Managing Member shall deliver to the Exchanging Member (x) the Stock Exchange Payment with respect to
any Exchanged Units not subject to a Cash Exchange Notice and (y) the Cash Exchange Payment with respect to any Exchanged Units
subject to a Cash Exchange Notice, (ii) the Exchanging Member shall transfer to the Managing Member the Exchanged Units, free and
clear of all liens and encumbrances, other than those arising under this Agreement or securities laws, (iii) solely to the extent
necessary in connection with a Direct Exchange, the Managing Member shall undertake all actions, including an issuance, reclassification,
distribution, division or recapitalization, with respect to the Class A Shares to maintain a one-to-one ratio between the number
of Class A Common Units owned by the Managing Member, directly or indirectly, and the number of outstanding Class A Shares, any
Stock Exchange Payment, and any other action taken in connection with this <U>Section 14.1</U>, and (iv) the Managing Member shall
cancel the surrendered shares of Class V Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Upon the Exchange (including by way of a Direct Exchange) of all of a Member&#8217;s Class A Common Units, such Member shall
cease to be a Member of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Splits</U>, <U>Distributions and Reclassifications</U><I>. </I>If there is any reclassification, reorganization, recapitalization
or other similar transaction in which the Class A Shares are converted or changed into another security, securities or other property,
this <U>Section 14.1</U> shall continue to be applicable, <I>mutatis mutandis</I>, with respect to such security or other property.
This <U>Section 14.1(c)</U> is intended to preserve the intended economic effect of <U>Section 4.4</U> and this <U>Section 14.1</U>
and to put each Member in the same economic position, to the greatest extent possible, with respect to Exchanges (including Direct
Exchanges) as if such reclassification, reorganization, recapitalization or other similar transaction had not occurred and shall
be interpreted in a manner consistent with such intent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Managing Member Covenants</U><I>. </I>The Managing Member shall at all times keep available, solely for the purpose of
issuance upon an Exchange (or Direct Exchange, as applicable), out of its authorized but unissued Class A Shares, such number of
Class A Shares that shall be issuable upon the Exchange (or Direct Exchange, as applicable) of all outstanding Class A Common Units,
including the Earnout Company Units (other than those Class A Common Units,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">including the Earnout Company Units, held
by the Managing Member); <U>provided</U> that nothing contained in this Agreement shall be construed to preclude the Managing Member
from satisfying its obligations with respect to an Exchange (or Direct Exchange, as applicable) by delivery of a Cash Exchange
Payment or Class A Shares that are held in treasury of the Managing Member. The Managing Member covenants that all Class A Shares
that shall be issued upon an Exchange (or Direct Exchange, as applicable) shall, upon issuance thereof, be validly issued, fully
paid and non-assessable, free and clear of all liens and encumbrances, encumbrances, other than those arising under the Investor
Rights Agreement or securities laws. In addition, for so long as the Class A Shares are listed on a stock exchange or automated
or electronic quotation system, the Managing Member shall cause all Class A Shares issued upon an Exchange (or Direct Exchange,
as applicable) to be listed on such stock exchange or automated or electronic quotation system at the time of such issuance. For
purposes of this <U>Section 14.1(d)</U>, references to the &#8220;Class A Shares&#8221; shall be deemed to include any Equity Securities
issued or issuable as a result of any reclassification, combination, subdivision or similar transaction of the Class A Shares that
any Member would be entitled to receive pursuant to <U>Section 14.1(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Exchan</U>g<U>e Taxes</U><I>. </I>The issuance of Class A Shares upon an Exchange (or Direct Exchange, as applicable)
shall be made without charge to the Exchanging Member for any stamp or other similar tax in respect of such issuance; <U>provided</U>,
<U>however</U>, that if any such Class A Shares are to be issued in a name other than that of the Exchanging Member (subject to
the restrictions in <U>Article XI</U>), then the Person or Persons in whose name the shares are to be issued shall pay to the Managing
Member the amount of any additional tax that may be payable in respect of any Transfer involved in such issuance in excess of the
amount otherwise due if such shares were issued in the name of the Exchanging Member or shall establish to the satisfaction of
the Managing Member that such additional tax has been paid or is not payable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Distribution Ri</U>g<U>hts</U>. No Exchange (or Direct Exchange) shall impair the right of the Exchanging Member to receive
any distributions payable on the Class A Common Units exchanged pursuant to such Exchange (or Direct Exchange, as applicable) in
respect of a Company Record Date that occurs prior to the Exchange Date for such Exchange (or Direct Exchange, as applicable).
No Exchanging Member, or a Person designated by an Exchanging Member to receive Class A Shares, shall be entitled to receive, with
respect to such record date, distributions or dividends both on Class A Common Units redeemed by the Company from such Exchanging
Member and on Class A Shares received by such Exchanging Member, or other Person so designated, if applicable, in such Exchange
(or Direct Exchange, as applicable).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Exchan</U>g<U>e Restrictions</U><I>. </I>The Managing Member may impose additional limitations and restrictions on Exchanges
(including by way of a Direct Exchange), including limiting Exchanges or creating priority procedures for Exchanges, to the extent
it reasonably determines in good faith (with the approval of the Original Member Representative, such approval not to be unreasonably
withheld, delayed, or conditioned) that such limitations and restrictions are necessary to avoid the Company being classified as
a &#8220;publicly traded partnership&#8221; within the meaning of Section 7704 of the Code; provided that, for such purposes, the
Company and the Managing Member shall assume that each Original Member and the Managing Member is treated as a single</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">partner within the meaning of Regulations
Section 1.7704-1(h) (determined taking into account the rules of Regulations Section 1.7704-1(h)(3)), unless otherwise required
by applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tax Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In connection with any Exchange (or Direct Exchange, as applicable), the Exchanging Member shall, to the extent it is legally
entitled to deliver such form, deliver to the Managing Member or the Company, as applicable, a certificate, dated as of the Exchange
Date, in a form reasonably acceptable to the Managing Member or the Company, as applicable, certifying as to such Exchanging Member&#8217;s
taxpayer identification number and that such Exchanging Member is a not a foreign person for purposes of Section 1445 and Section
1446(f) of the Code (which certificate may be an Internal Revenue Service Form W-9 if then sufficient for such purposes under applicable
Law) (such certificate a &#8220;<U>Non-Forei</U>g<U>n Person Certificate</U>&#8221;). If an Exchanging Member is unable to provide
a Non-Foreign Person Certificate in connection with an Exchange, then (i) such Exchanging Member shall provide a certificate substantially
in the form described in Proposed Regulations Section 1.1446(f)-2(c)(2)(ii)(B) or (ii) the Company shall deliver a certificate
substantially in the form described in Proposed Regulations Section 1.1446(f)-2(c)(2)(ii)(C), in each case setting forth the liabilities
of the Company allocated to the Class A Common Units subject to the Exchange under Section 752 of the Code, and the Managing Member
or the Company, as applicable, shall be permitted to withhold on the amount realized by such Exchanging Member in respect of such
Exchange as provided in Section 1446(f) of the Code and Proposed Regulations thereunder and consistent with the certificate provided
pursuant to clause (i) or (ii) of this sentence, as applicable; provided, however, that the Managing Member shall be permitted
to withhold a different amount as the Managing Member determines to be required by applicable Law to be withheld if the Managing
Member has actual knowledge that the certificate provided pursuant to clause (i) or (ii) is incorrect or unreliable; provided,
further, that, prior to making any such withholding, the Managing Member provides to the Exchanging Member notice and the basis
for the Managing Member&#8217;s determination that the certificate provided pursuant to clause (i) or (ii) is incorrect or unreliable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For U.S. federal and applicable state and local income tax purposes, each of the Exchanging Member, the Company and the
Managing Member agree to treat each Exchange (and Direct Exchange) as a taxable sale by the Exchanging Member of the Exchanging
Member&#8217;s Class A Common Units (together with an equal number of shares of Class V Common Stock, which shares shall not be
allocated any economic value) to the Managing Member in exchange for (A) the payment by the Managing Member of the Stock Exchange
Payment, the Cash Exchange Payment, or other applicable consideration to the Exchanging Member and (B) corresponding payments under
the Tax Receivables Agreement. Within thirty (30) days following the Exchange Date, the Managing Member shall deliver a Section
743 notification to the Company in accordance with Regulations Section 1.743-1(k)(2). Within ninety (90) days following the Closing
Date and each Exchange Date, the Managing Member and the Original Member Representative shall use commercially reasonable efforts
to agree to a reasonable allocation of the Stock Exchange Payment, the Cash Exchange Payment or other applicable consideration
among the assets of the Company in accordance with Regulations Section 1.755-1(a)(2). If the Managing Member and the Original Member
Representative reach an agreement with respect to the allocation, the Managing</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Member and the Exchanging Members shall,
and shall cause their respective Affiliates to, report consistently with the allocation on all Tax Returns, and neither the Managing
Member nor the Exchanging Members shall take any position on any Tax Return that is inconsistent with the allocation, unless otherwise
required by applicable Laws; <U>provided</U>, <U>however</U>, that no party shall be unreasonably impeded in its ability and discretion
to negotiate, compromise, and/or settle any Tax audit, claim, or similar proceedings in connection with such allocation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Representations and Warranties</U>. In connection with any Exchange or Direct Exchange, as applicable, upon the acceptance
of the Class A Shares or an amount of cash equal to the Cash Exchange Payment, the Exchanging Member shall represent and warrant
that the Exchanging Member is the owner of the number of Exchanged Units the Exchanging Member is electing to Exchange and that
such Exchanged Units are not subject to any liens or restrictions on transfer (other than restrictions imposed by this Agreement,
the charter and governing documents of the Managing Member and applicable Law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Article
XV</FONT><BR>
MISCELLANEOUS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Company Counsel</U>. THE COMPANY, THE MANAGING MEMBER, THE ORIGINAL MEMBERS AND EACH OF THEIR RESPECTIVE SUBSIDIARIES
AND AFFILIATES MAY BE REPRESENTED BY THE SAME COUNSEL (COUNSEL THAT REPRESENTS THE COMPANY, &#8220;<U>COMPANY COUNSEL</U>&#8221;).
THE ATTORNEYS, ACCOUNTANTS AND OTHER EXPERTS WHO PERFORM SERVICES FOR THE COMPANY MAY ALSO PERFORM SERVICES FOR THE MANAGING MEMBER,
THE ORIGINAL MEMBERS AND EACH OF THEIR RESPECTIVE SUBSIDIARIES AND AFFILIATES. THE MANAGING MEMBER MAY, WITHOUT THE CONSENT OF
THE MEMBERS, EXECUTE ON BEHALF OF THE COMPANY ANY CONSENT TO THE REPRESENTATION OF THE COMPANY THAT COUNSEL MAY REQUEST PURSUANT
TO THE DELAWARE RULES OF PROFESSIONAL CONDUCT OR SIMILAR RULES IN ANY OTHER JURISDICTION. EACH MEMBER ACKNOWLEDGES THAT COMPANY
COUNSEL DOES NOT REPRESENT ANY MEMBER IN ITS CAPACITY AS SUCH IN THE ABSENCE OF A CLEAR AND EXPLICIT WRITTEN AGREEMENT TO SUCH
EFFECT BETWEEN SUCH MEMBER AND COMPANY COUNSEL (AND THEN ONLY TO THE EXTENT SPECIALLY SET FORTH IN SUCH AGREEMENT), AND THAT IN
ABSENCE OF ANY SUCH AGREEMENT COMPANY COUNSEL SHALL OWE NO DUTIES TO EACH MEMBER. EACH MEMBER FURTHER ACKNOWLEDGES THAT, WHETHER
OR NOT COMPANY COUNSEL HAS IN THE PAST REPRESENTED OR IS CURRENTLY REPRESENTING SUCH MEMBER WITH RESPECT TO OTHER MATTERS, COMPANY
COUNSEL HAS NOT REPRESENTED THE INTERESTS OF ANY MEMBER IN THE PREPARATION AND/OR NEGOTIATION OF THIS AGREEMENT.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Appointment of Managing Member as Attorney-in-Fact</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Member, including each Substituted Member that are Members, irrevocably makes, constitutes and appoints the Managing
Member, any Liquidator, and authorized officers</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">and attorneys-in-fact of each, and each
of those acting singly, in each case with full power of substitution, as its true and lawful attorney-in-fact with full power and
authority in its name, place and stead to execute, acknowledge, deliver, swear to, file and record at the appropriate public offices
such documents as may be necessary or appropriate to carry out the provisions of this Agreement, including but not limited to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All certificates and other instruments (including counterparts of this Agreement), and all amendments thereto, which the
Managing Member deems appropriate to form, qualify, continue or otherwise operate the Company as a limited liability company (or
other entity in which the Members will have limited liability comparable to that provided in the Act), in the jurisdictions in
which the Company may conduct business or in which such formation, qualification or continuation is, in the opinion of the Managing
Member, necessary or desirable to protect the limited liability of the Members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All amendments to this Agreement adopted in accordance with the terms hereof, and all instruments which the Managing Member
deems appropriate to reflect a change or modification of the Company in accordance with the terms of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All conveyances of Company assets, and other instruments which the Managing Member reasonably deems necessary in order to
complete a dissolution and termination of the Company pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The appointment by all Members of the Managing Member as attorney-in-fact shall be deemed to be a power coupled with an
interest, in recognition of the fact that each of the Members and Assignees under this Agreement will be relying upon the power
of the Managing Member to act as contemplated by this Agreement in any filing and other action by it on behalf of the Company,
shall survive the Incapacity of any Person hereby giving such power, and the Transfer or assignment of all or any portion of such
Person&#8217;s Company Interest, and shall not be affected by the subsequent Incapacity of the principal; <U>provided</U>, <U>however</U>,
that in the event of the assignment by a Member of all of its Company Interest, the foregoing power of attorney of an assignor
Member shall survive such assignment only until such time as the Assignee shall have been admitted to the Company as a Substituted
Member and all required documents and instruments shall have been duly executed, filed and recorded to effect such substitution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Arbitration</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as otherwise expressly provided herein, any dispute, controversy or claim arising out of or in connection with this
Agreement, or the interpretation, breach, termination or validity thereof (&#8220;<U>Dispute</U>&#8221;) shall be finally resolved
by arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (&#8220;<U>AAA</U>&#8221;)
then in effect (the &#8220;<U>Rules</U>&#8221;), except as modified herein and such arbitration shall be administered by the AAA.
The place of arbitration shall be Chicago, Illinois.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>There shall be one arbitrator who shall be agreed upon by the parties within twenty (20) days of receipt by respondent of
a copy of the demand for arbitration. If any arbitrator is not appointed within the time limit provided herein, such arbitrator
shall be appointed by the AAA in</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">accordance with the listing, striking and
ranking procedure in the Rules, with each party being given a limited number of strikes, except for cause. Any arbitrator appointed
by the AAA shall be a retired judge or a practicing attorney with no less than fifteen years of experience with corporate and limited
liability company matters and an experienced arbitrator. In rendering an award, the arbitrator shall be required to follow the
laws of the state of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The award shall be in writing and shall briefly state the findings of fact and conclusions of law on which it is based.
The arbitrator shall not be permitted to award punitive, multiple, or other non-compensatory damages. The award shall be final
and binding upon the parties and shall be the sole and exclusive remedy between the parties regarding any claims, counterclaims,
issues or accounting presented to the arbitrator. Judgment upon the award may be entered in any court having jurisdiction over
any party or any of its assets. Any costs or fees (including attorneys&#8217; fees and expenses) incident to enforcing the award
shall be charged against the party resisting such enforcement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All Disputes shall be resolved in a confidential manner. The arbitrator shall agree to hold any information received during
the arbitration in the strictest of confidence and shall not disclose to any non-party the existence, contents or results of the
arbitration or any other information about such arbitration. The parties to the arbitration shall not disclose any information
about the evidence adduced or the documents produced by the other party in the arbitration proceedings or about the existence,
contents or results of the proceeding except as may be required by law, regulatory or governmental authority or as may be necessary
in an action in aid of arbitration or for enforcement of an arbitral award. Before making any disclosure permitted by the preceding
sentence (other than private disclosure to financial regulatory authorities), the party intending to make such disclosure shall
use reasonable efforts to give the other party reasonable written notice of the intended disclosure and afford the other party
a reasonable opportunity to protect its interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Barring extraordinary circumstances (as determined in the sole discretion of the arbitrator), discovery shall be limited
to pre-hearing disclosure of documents that each side will present in support of its case, and non-privileged documents essential
to a matter of import in the proceeding for which a party has demonstrated a substantial need. The parties agree that they will
produce to each other all such requested non-privileged documents, except documents objected to and with respect to which a ruling
has been or shall be sought from the arbitrator. There will be no depositions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any claim brought by a Member must be brought in such Member&#8217;s individual capacity and not as a plaintiff or class
member in any purported class, collective or representative proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Accounting and Fiscal Year</U>. Subject to Section 448 of the Code, the books of the Company shall be kept on such method
of accounting for tax and financial reporting purposes as may be determined by the Managing Member. The fiscal year of the Company
(the &#8220;<U>Fiscal Year</U>&#8221;) shall be the calendar year, or, in the case of the first and last Fiscal Years of the Company,
the fraction thereof commencing on the date of this Agreement or ending on the date</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">on which the winding-up of the Company
is completed, as the case may be, unless otherwise determined by the Managing Member and permitted under the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Entire Agreement</U>. This Agreement and the other agreements referenced herein and therein constitute the entire agreement
between the parties hereto pertaining to the subject matter hereof and thereof and fully supersedes any and all prior or contemporaneous
agreements or understandings between the parties hereto pertaining to the subject matter hereof and thereof, including the Prior
LLC Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Further Assurances</U>. Each of the parties hereto does hereby covenant and agree on behalf of itself, its successors,
and its assigns, without further consideration, to prepare, execute, acknowledge, file, record, publish, and deliver such other
instruments, documents and statements, and to take such other action as may be required by law or reasonably necessary to effectively
carry out the purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Notices</U>. Any notice, consent, payment, demand, or communication required or permitted to be given by any provision
of this Agreement shall be in writing and shall be deemed to have been given (a) when personally delivered (or, if delivery is
refused, upon presentment) or received by email (with non-automated confirmation of receipt) prior to 5:00 p.m. eastern time on
a Business Day and, if otherwise, on the next Business Day, or (b) when delivered (or, if delivery is refused, upon presentment)
by reputable overnight express courier (charges prepaid) or certified or registered mail, postage prepaid and return receipt requested:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if to the Company or the Managing Member, to 130 E. Randolph Street, Suite 3400, Chicago, Illinois 60601, Attention: Chief
Executive Officer; Email: jared@opploans.com; with a copy to One North Wacker Drive, Suite 3605, Chicago, IL 60606, Attention:
Todd G. Schwartz, David Vennettilli; Email: todd@schwartzcap.com, dvennettilli@schwartzcap.com; finance@schwartzcap.com; or to
such other address as the Company or the Managing Member may from time to time specify by notice to the Members<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT>;
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>if to any Member, to such Member at the address set forth in the records of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Governing Law</U>. This Agreement, including its existence, validity, construction, and operating effect, and the rights
of each of the parties hereto, shall be governed by and construed in accordance with the laws of the State of Delaware without
regard to otherwise governing principles of conflicts of law that would cause the law of another jurisdiction to be applied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Construction</U>. This Agreement shall be construed as if all parties hereto prepared this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Binding Effect</U>. Except as otherwise expressly provided herein, this Agreement shall be binding on and inure to the
benefit of the Members, their heirs, executors,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">administrators, successors and all other
Persons hereafter holding, having or receiving an interest in the Company, whether as Assignees, Substituted Members or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Severability</U>. In the event that any provision of this Agreement as applied to any party or to any circumstance, shall
be adjudged by a court to be void, unenforceable or inoperative as a matter of law, then the same shall in no way affect any other
provision in this Agreement, the application of such provision in any other circumstance or with respect to any other party, or
the validity or enforceability of the Agreement as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Confidentiality</U>. A Member&#8217;s rights to access or receive any information about the Company or its business are
conditioned on such Member&#8217;s willingness and ability to assure that the Company information will be used solely by such Member
for purposes reasonably related to such Member&#8217;s interest as a Member, and that such Company information will not become
publicly available as a result of such Member&#8217;s rights to access or receive such Company information. Each Member hereby
acknowledges that the Company creates and will be in possession of confidential information, the improper use or disclosure of
which could have a material adverse effect upon the Company and its Subsidiaries. Each Member further acknowledges and agrees that
the Company information constitutes a valuable trade secret of the Company and agrees to maintain any Company information provided
to it in the strictest confidence. Accordingly, without limiting the generality of the foregoing:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding <U>Article IX</U>, the Managing Member shall have the right to keep confidential from the Members (and their
respective agents and attorneys) for such period of time as the Managing Member deems reasonable, any information: (i) that the
Managing Member believes to be in the nature of trade secrets; or (ii) which the Managing Member (or its Affiliates, employees,
officers, directors, members, partners or personnel) is required by law or by agreement with a third party to keep confidential;
<U>provided</U>, that the Managing Member shall make available to a Member, upon reasonable request, information required by such
Member to comply with applicable laws, rules and regulations, as well as any requests from any federal or state regulatory body
having jurisdiction over such Member. Notwithstanding the immediately preceding proviso, in no event shall the Managing Member
be required to disclose to any Member the identity of, or any account details relating to, any other Member unless it is required
to do so by law applicable to it, as determined by a court of competent jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as permitted by this <U>Section 15.12</U> or as required by applicable law, each party hereto agrees that the provisions
of this Agreement, all of the information and documents described in <U>Article IX</U>, all understandings, agreements and other
arrangements between and among the parties (or any of them), and all other non-public information received from, or otherwise relating
to, the Company or any of its Subsidiaries, any Members, the Managing Member and/or their respective Affiliates shall be confidential,
and shall not disclose or otherwise release to any other Person (other than another party hereto) such matters, without the written
consent of the Managing Member.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The confidentiality obligations of the parties under this <U>Section 15.12</U> shall not apply: (i) to the disclosure by
a Member of information to the other Members or such Member&#8217;s</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Affiliates, partners, officers, agents,
board members, trustees, attorneys, auditors, employees, prospective transferees permitted hereunder, financial advisors and other
professional advisors (<U>provided</U>, that such prospective transferees and other Persons agree to hold confidential such information
substantially in accordance with this <U>Section 15.12</U> or are otherwise bound by a duty of confidentiality to such Member)
solely on a need-to-know basis, which Persons shall be bound by this <U>Section 15.12</U> as if they were Members, (ii) to information
already known to the general public at the time of disclosure or that became known prior to such disclosure through no act or omission
by any Member or any Person acting on behalf of any of the foregoing, (iii) to information received from a source not bound by
a duty of confidentiality to the Company or any of its Subsidiaries, any Member or any Affiliate of any of the foregoing, (iv)
to any party to the extent that the disclosure by such party of information otherwise determined to be confidential is required
by applicable law (foreign or domestic) or legal process (including pursuant to an arbitration proceeding), or by any federal,
state, local or foreign regulatory body with jurisdiction over such party, (v) to disclosures made in connection with any lawsuit
initiated to enforce any rights granted under this Agreement, or (vi) to the disclosure of confidential information to rating agencies
to the extent such disclosure is required by such rating agencies; provided, that prior to disclosing such confidential information,
a party shall, to the extent permitted by applicable law, notify the Managing Member thereof, which notice shall include the basis
upon which such party believes the information is required to be disclosed. Notwithstanding the foregoing or anything to the contrary
herein, in no event shall this <U>Section 15.12(c)</U> permit any Member to disclose the identity of, or any account details relating
to, any other Member without the prior written consent of the Managing Member (which may be given or withheld in the Managing Member&#8217;s
sole discretion) unless the Member delivers to the Managing Member a written opinion of counsel to the Member (which opinion and
counsel shall be reasonably acceptable to the Managing Member) to the effect that such disclosure is required under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To the extent that a Member is subject to the United States Freedom of Information Act or any similar public disclosure
or public records act statutes: (i) such Member acknowledges the Managing Member&#8217;s and the Company&#8217;s position that
the information intended to be protected by the provisions of <U>Sections 15.12(a)</U> and <U>15.12(b)</U> constitutes or includes
sensitive financial data, proprietary data, commercial and financial information and/or trade secrets that are being provided to
and/or entered into with the Member with the specific understanding that such documents and information will remain confidential;
(ii) the Managing Member advises each such Member that the documents and information intended to be protected by the provisions
of <U>Sections 15.12(a)</U> and <U>15.12(b)</U> would not be supplied to such Member without an understanding that such documents
and information will be held and treated by such Member as confidential information; and (iii) to the extent that such Member is
nevertheless required to disclose any such confidential information, (A) such Member shall, unless legally prohibited, give the
Managing Member prior notice of any such required disclosure and (B) such Member shall in any event maintain the confidentiality
of the Company&#8217;s information (including this Agreement) to at least the same extent as, and in a manner no less favorable
to the Company and the Managing Member than the manner in which, it maintains the confidentiality of comparable information in
respect of any other private investment vehicles in which such Member invests (whether such vehicles are focused on private investments,
public investments or otherwise). Notwithstanding the foregoing or anything to the contrary herein, in no event shall this <U>Section
15.12(d)</U> permit any Member to disclose the identity of, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">any account details relating to, any other
Member, without the prior written consent of the Managing Member (which may be given or withheld in the Managing Member&#8217;s
sole discretion) unless the Member delivers to the Managing Member a written opinion of counsel to the Member (which opinion and
counsel shall be reasonably acceptable to the Managing Member) to the effect that such disclosure is required under applicable
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company and the Managing Member shall be entitled to enforce the obligations of each Member under this <U>Section 15.12</U>
to maintain the confidentiality of the information described herein. The remedies provided for in this <U>Section 15.12</U> are
in addition to and not in limitation of any other right or remedy of the Company or the Managing Member provided by law or equity,
this Agreement or any other agreement entered into by or among one or more of the Members and/or the Company. Each Member expressly
acknowledges that the remedy at law for damages resulting from a breach of this <U>Section 15.12</U> may be inadequate and that
the Company and the Managing Member shall be entitled to institute an action for specific performance of a Member&#8217;s obligations
hereunder. The Managing Member shall be entitled to consider the different circumstances of different Members with respect to the
restrictions and obligations imposed on Members hereunder to the full extent permitted by law, and, to the full extent permitted
by law, the Managing Member may, in its good faith discretion, waive or modify such restrictions and obligations with respect to
a Member without waiving or modifying such restrictions and obligations for other Members.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In addition, to the full extent permitted by law, each Member agrees to indemnify the Company and each Indemnitee against
any claim, demand, controversy, dispute, cost, loss, damage, expense (including attorneys&#8217; fees), judgment and/or liability
incurred by or imposed upon the Company or any such Indemnitee in connection with any action, suit or proceeding (including any
proceeding before any administrative or legislative body or agency), to which the Company or any such Indemnitee may be made a
party or otherwise involved or with which the Company or any such Indemnitee shall be threatened, by reason of the Member&#8217;s
obligations (or breach thereof) set forth in this <U>Section 15.12</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Notwithstanding any other provision of this Agreement (including this <U>Section 15.12</U>), the Managing Member may disclose
any Confidential Information otherwise subject to the confidentiality obligations of this <U>Section 15.12</U> to any federal,
state, local or foreign regulatory or self-regulatory body or any securities exchange or listing authority to the extent required
or requested by such body, exchange or authority, or as necessary and appropriate in connection with filings, or as otherwise legally
required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Consent to Use of Name</U>. Each Member hereby consents to the use and inclusion of its name in the Company&#8217;s books
and records hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Consent by Spouse</U>. Each Member who is a natural person and is married (and not formally separated with an agreed-upon
division of assets) and is subject to the community property laws of any state shall deliver a duly executed Consent by Spouse,
in the form prescribed in <U>Exhibit C</U> attached hereto, and at the time of execution of this Agreement. Each such Member shall
also have such Consent by Spouse executed by any spouse married to him or her at</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">any time subsequent thereto while such
natural person is a Member. Each Member agrees and acknowledges that compliance with the requirements of this <U>Section 15.14</U>
by each other Member constitutes an essential part of the consideration for his or her execution of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Counterparts</U>. This Agreement may be executed in any number of multiple counterparts, each of which shall be deemed
to be an original copy and all of which shall constitute one agreement, binding on all parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Survival</U>. The provision of <U>Section 7.5</U>, <U>7.6</U>, <U>15.1</U>, <U>15.2</U>, <U>15.3</U>, <U>15.5</U>, <U>15.6</U>,
<U>15.7</U>,<U>15.8</U>, <U>15.12</U>, <U>15.13</U> and <U>15.14</U> (and this <U>Section 15.16</U>) (and any other provisions
herein necessary for the effectiveness of the foregoing sections) shall survive the termination of the Company and/or the termination
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Anti-Money Laundering Representations and Undertakin</U>gs. Each Member acknowledges that it has read the representations
and undertakings contained on <U>Exhibit D</U> attached hereto and hereby confirms they are true and correct.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15.18<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;
</FONT><U>Third Party Beneficiary</U>. Notwithstanding anything to the contrary contained herein, FG New America Investors LLC
is an express third party beneficiary of <U>Section 7.1(c)</U>, <U>Section 7.5(c)</U> and <U>Section 7.6(h)</U> of this Agreement
and may directly enforce (including by an action for specific performance, injunctive relief or other equitable relief) each of
the provisions set forth in <U>Section 7.1(c)</U>, <U>Section 7.5(c)</U> and <U>Section 7.6(h)</U> of this Agreement as though
directly party hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
this Agreement has been executed as of the date first written above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in; text-align: left"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><B>OPPFI INC.</B></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">Name:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">Title:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><B>FOUNDER</B></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">Name:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">Title:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt"><B>[ORIGINAL MEMBERS]</B></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt; width: 6%">Name:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; font-size: 10pt; width: 34%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: left; font-size: 10pt">Title:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; font-size: 10pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>Signature Page to Third Amended and Restated
Limited Liability Company Agreement of<BR>
Opportunity Financial, LLC</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Exhibit
A </FONT>CAPITAL CONTRIBUTIONS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Exhibit
B </FONT>EXCHANGE NOTICE</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">[Managing Member]<BR>
[Address]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The undersigned Member
or Assignee hereby irrevocably tenders for Exchange Class A Common Units in Opportunity Financial, LLC (the &#8220;<U>Company</U>&#8221;)
in accordance with the terms of the Third Amended and Restated Limited Liability Company Agreement of the Company (the &#8220;<U>Agreement</U>&#8221;),
and the Exchange rights referred to therein in <U>Section 14.1</U>. All capitalized terms used and not otherwise defined herein
shall have the respective meanings ascribed to them in the Agreement. The undersigned Member or Assignee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>undertakes to surrender such Class A Common Units at the closing of the Exchange;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>directs that the certified check representing or, at the Managing Member&#8217;s discretion, a wire transfer of the Cash
Exchange Payment, and/or the Stock Exchange Payment, as applicable, deliverable upon the closing of such Exchange be delivered
to the address or bank account, as applicable, specified below;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>represents, warrants, certifies and agrees that: (i) the undersigned Member or Assignee is eligible to make an Exchange
pursuant to Section 14.1 of the Agreement; (ii) the undersigned Member or Assignee has, and at the closing of the Exchange will
have, good, marketable and unencumbered title to such Class A Common Units, free and clear of the rights or interests of any other
person or entity; (iii) the undersigned Member or Assignee has, and at the closing of the Exchange will have, the full right, power
and authority to tender and surrender such Class A Common Units as provided herein; (iv) the undersigned Member or Assignee, and
the tender and surrender of such Class A Common Units for Exchange as provided herein complies with all conditions and requirements
for redemption of Class A Common Units set forth in the Agreement; and (v) the undersigned Member or Assignee has obtained the
consent or approval of all persons and entities, if any, having the right to consent to or approve such tender and surrender; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>acknowledges that the undersigned will continue to own such Class A Common Units unless and until either (1) such Class
A Common Units are acquired by the Managing Member pursuant to Section 14.1 of the Agreement or (2) such exchange transaction closes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Dated:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="RIGHT" STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Name of Member or Assignee:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Signature of Member or Assignee</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Street Address</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">City, State and Zip Code</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Signature Medallion Guaranteed by:*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Issue Check Payable to (or shares in the name of):</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">Bank Account Details:</TD></TR>
</TABLE><BR STYLE="clear: both">
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">*</TD><TD STYLE="text-align: justify">Required unless waived by the Managing Member or Transfer
Agent.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Exhibit
C &nbsp;</FONT>CONSENT BY SPOUSE</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">I acknowledge that
I have read the Third Amended and Restated Limited Liability Company Agreement of (the &#8220;<U>Company Agreement</U>&#8221;)
of Opportunity Financial, LLC (the &#8220;<U>Company</U>&#8221;), effective as of [&#9679;], 2021 and that I know its contents.
I am aware that by its provisions, my spouse agrees to sell, convert, dispose of, or otherwise transfer his or her interest in
the Company, including any property or other interest that I have or acquire therein, under certain circumstances. I hereby consent
to such sale, conversion, disposition or other transfer; and approve of the provisions of the Company Agreement and any action
hereafter taken by my spouse thereunder with respect to his or her interest, and I agree to be bound thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">I further agree that
in the event of my death or a dissolution of marriage or legal separation, my spouse shall have the absolute right to have my interest,
if any, in the Company set apart to him or her, whether through a will, a trust, a property settlement agreement or by decree of
court, or otherwise, and that if he or she be required by the terms of such will, trust, settlement or decree, or otherwise, to
compensate me for said interest, that the price shall be an amount equal to: (i) the then-current balance of the Capital Account
relating to said interest; <U>multiplied b</U>y (ii) my percentage of ownership in such interest (all without regard to the effect
of any vesting provisions in the Company Agreement related thereto).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This consent, including
its existence, validity, construction, and operating effect, and the rights of each of the parties hereto, shall be governed by
and construed in accordance with the laws of the [&#9679;] without regard to otherwise governing principles of choice of law or
conflicts of law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Dated:<U>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">NAME:<U>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">*</TD><TD STYLE="text-align: justify">Insert jurisdiction of residence of Member and Spouse.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase">Exhibit
D &nbsp;</FONT>ANTI-MONEY LAUNDERING REPRESENTATIONS AND UNDERTAKINGS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Member hereby
makes the following representations, warranties and covenants as of the date of this Agreement, and for so long as each such Member
holds any Company Interest thereafter:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The monies used to fund the Member&#8217;s acquisition of an interest in the Company, and the monies that have been or will
be used to make Capital Contributions, have not been, and will not in any case be, derived from or related to any activity that
would be illegal in any Relevant Jurisdiction (&#8220;<U>Ille</U>g<U>al Activit</U>y&#8221;). In addition, the proceeds from the
Member&#8217;s investment in the Company will not be used to finance any Illegal Activities. To the best of the Member&#8217;s
knowledge, no contribution or payment, in and of itself, by any Member to the Company will directly cause the Company or its affiliates
to be in violation of applicable anti-money laundering, terrorist financing, or sanctions laws, regulations or government guidance,
including but not limited to the Bank Secrecy Act, as amended by the USA PATRIOT Act of 2001, and the Bank Secrecy Act&#8217;s
implementing regulations (collectively, &#8220;<U>BSA laws and re</U>g<U>ulations</U>&#8221;); the economic and trade sanctions
administered and enforced by the Office of Foreign Assets Control, United States Department of the Treasury (&#8220;<U>OFAC</U>&#8221;);
or applicable anti-money laundering and terrorist financing laws, regulations or government guidance of any Relevant Jurisdiction.
 &#8220;<U>Relevant Jurisdiction</U>&#8221; means the United States or the Member&#8217;s place of organization or principal place
of business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Neither a Member nor any person or entity controlled by or controlling the Member, excluding such persons or entities that
are shareholders of the Member or any person or entity controlled by or controlling the Member in the event the Member or any person
or entity controlled by or controlling the Member is a public company traded on a recognized securities exchange:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Appears on the Specially Designated Nationals and Blocked Persons List maintained by OFAC or the Annex to Executive Order
13224 issued by the President of the United States, each as amended from time to time;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Is a person or entity resident in or, if an entity, organized or chartered under the laws of a jurisdiction that (a) has
been designated by the Secretary of the United States Department of the Treasury as warranting special measures due to money laundering
concerns or (b) has been designated as non-cooperative with international anti-money laundering principles or procedures by an
intergovernmental group or organization of which the United States is a member, if the United States has concurred in such designation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Is subject to economic or trade sanctions administered and enforced by OFAC;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Unless disclosed to the Company, is a Senior Foreign Political Figure, defined as a current or former senior official in
the executive, legislative, administrative, military, or judicial branches of a foreign government (whether elected or not); a
senior official of a major foreign political party; a senior executive of a foreign government-</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">owned commercial enterprise;
a corporation, business, or other entity that has been formed by, or for the benefit of, such an individual; or the parent, sibling,
spouse, child, in-law or close associate of such an individual; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Is a foreign shell bank defined as a foreign bank that does not have a physical presence in any country unless the foreign
bank is an affiliate of a depository institution, credit union, or foreign bank that maintains a physical presence in the United
States or a foreign country and is subject to the supervision by a banking authority in the country regulating the affiliated depository
institution, credit union or foreign bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Members understand that the Company (and/or its affiliates) may be subject to certain legal requirements that require
verification of the source of funds paid to the Company by the Members, as well as the Members&#8217; identity and that of any
associated persons. The Members agree that it will provide such materials as may from time to time be reasonably requested by the
Company or the Managing Member for such purposes. In addition, the Members agree to provide to the Company and its affiliates any
additional information regarding itself and any person or entity controlled by or controlling the Member, excluding such persons
or entities that are shareholders of the Member or any person or entity controlled by or controlling the Member in the event the
Member or any person or entity controlled by or controlling the Member is a public company traded on a recognized securities exchange,
that may be deemed necessary to ensure compliance with all applicable laws concerning money laundering and terrorist financing,
as well as trade and economic sanctions. The Company may take such actions as the Managing Member may reasonably determine if this
information is not provided or on the basis of information that is provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>All evidence of identity and related information concerning each Member and any person controlling or controlled by the
Member, excluding such persons or entities that are shareholders of the Member or any person or entity controlled by or controlling
the Member in the event the Member or any person or entity controlled by or controlling the Member is a public company traded on
a recognized securities exchange, provided to the Company is and will be true, accurate and complete. Each Member will promptly
notify the Company and the Managing Member if any of the representations in this section cease to be true and accurate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Managing Member may segregate and/or redeem a Member&#8217;s investment in the Company, prohibit future investments
or capital contributions, or take other appropriate action if the Managing Member determines that the continued participation of
any Member could materially adversely affect the Company or if the action is necessary in order for the Company to comply with
applicable laws, regulations, orders, directives or special measures. The Members further understand that the Company and the Managing
Member (and any of their affiliates) may release confidential information about each such Member and, if applicable, any of its
direct or indirect beneficial owners, to proper authorities if, in their sole and absolute discretion, they determine that such
release is in the interest of any of the foregoing in light of applicable laws and regulations. The Managing Member will take such
steps as it determines are necessary to comply with applicable laws, regulations, orders, directives and special measures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT E</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>TAX
RECEIVABLE AGREEMENT</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>among</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FG NEW AMERICA ACQUISITION CORP.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Opportunity
financial, llc</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>and</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>THE
PERSONS NAMED HEREIN</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Dated
as of [&#8226;], 2021</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>TABLE OF CONTENTS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>PAGE</U></B></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; text-indent: -90.9pt; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.25in">ARTICLE I&nbsp;&nbsp;&nbsp;DEFINITIONS</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 12pt; padding-bottom: 0in">2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 1.1&nbsp;&nbsp;&nbsp;Definitions</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -90.9pt; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.25in">ARTICLE II&nbsp;&nbsp;&nbsp;DETERMINATION OF CERTAIN REALIZED TAX BENEFIT</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">11</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 2.1&nbsp;&nbsp;&nbsp;Basis Schedule</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">11</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 2.2&nbsp;&nbsp;&nbsp;Tax Benefit Schedule</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">12</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 2.3&nbsp;&nbsp;&nbsp;Procedures, Amendments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">13</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 2.4&nbsp;&nbsp;&nbsp;Section 754 Election</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -90.9pt; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.25in">ARTICLE III&nbsp;&nbsp;&nbsp;TAX BENEFIT PAYMENTS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 3.1&nbsp;&nbsp;&nbsp;Payments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">14</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 3.2&nbsp;&nbsp;&nbsp;No Duplicative Payments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">15</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 3.3&nbsp;&nbsp;&nbsp;Pro Rata Payments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 3.4&nbsp;&nbsp;&nbsp;Payment Ordering</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 3.5&nbsp;&nbsp;&nbsp;Overpayments</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -90.9pt; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.25in">ARTICLE IV&nbsp;&nbsp;&nbsp;TERMINATION</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 4.1&nbsp;&nbsp;&nbsp;Early Termination of Agreement; Breach of Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">16</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 4.2&nbsp;&nbsp;&nbsp;Early Termination Notice</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 4.3&nbsp;&nbsp;&nbsp;Payment upon Early Termination</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -90.9pt; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.25in">ARTICLE V&nbsp;&nbsp;&nbsp;SUBORDINATION AND LATE PAYMENTS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 5.1&nbsp;&nbsp;&nbsp;Subordination</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 5.2&nbsp;&nbsp;&nbsp;Late Payments by the Corporate Taxpayer</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -90.9pt; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.25in">ARTICLE VI&nbsp;&nbsp;&nbsp;ARTICLE VINO DISPUTES; CONSISTENCY; COOPERATION</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 6.1&nbsp;&nbsp;&nbsp;Participation in the Corporate Taxpayer&#8217;s and OpCo&#8217;s Tax Matters</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 6.2&nbsp;&nbsp;&nbsp;Consistency</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">21</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 6.3&nbsp;&nbsp;&nbsp;Cooperation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">21</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -90.9pt; padding-top: 12pt; padding-bottom: 0in; padding-left: 1.25in">ARTICLE VII&nbsp;&nbsp;&nbsp;ARTICLE VIIMISCELLANEOUS</TD>
    <TD STYLE="text-align: right; padding-top: 12pt; padding-bottom: 0in">22</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.1&nbsp;&nbsp;&nbsp;Notices</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">22</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.2&nbsp;&nbsp;&nbsp;Counterparts</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">23</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.3&nbsp;&nbsp;&nbsp;Entire Agreement; No Third Party Beneficiaries</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">23</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.4&nbsp;&nbsp;&nbsp;Governing Law</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">24</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.5&nbsp;&nbsp;&nbsp;Severability</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">24</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.6&nbsp;&nbsp;&nbsp;Successors; Assignment; Amendments; Waivers</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">24</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.7&nbsp;&nbsp;&nbsp;Interpretation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">25</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.8&nbsp;&nbsp;&nbsp;Waiver of Jury Trial; Jurisdiction</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">26</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.9&nbsp;&nbsp;&nbsp;Reconciliation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">27</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.10&nbsp;&nbsp;&nbsp;Withholding</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.11&nbsp;&nbsp;&nbsp;Admission of the Corporate Taxpayer into a Consolidated Group; Transfers of Corporate Assets</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">28</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.12&nbsp;&nbsp;&nbsp;Confidentiality</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">29</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -72.9pt; padding-top: 0in; padding-bottom: 0in; padding-left: 1.5in">Section 7.13&nbsp;&nbsp;&nbsp;TRA Party Representative</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in">30</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Exhibit A - Form of Joinder</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">TAX RECEIVABLE
AGREEMENT</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This <B>TAX RECEIVABLE
AGREEMENT </B>(this &#8220;<B><U>TRA Agreement</U></B>&#8221;), is dated as of [&#8226;], 2021, by and among FG New America Acquisition
Corp., a Delaware corporation, (the &#8220;<B><U>Corporate Taxpayer</U></B>&#8221;), Opportunity Financial, LLC, a Delaware limited
liability company (&#8220;<B><U>OpCo</U></B>&#8221;), and each of the members of OpCo listed on Schedule 1 hereto (each such member,
a &#8220;<B><U>TRA Part</U>y</B>&#8221; and together the &#8220;<B><U>TRA Parties</U></B>&#8221;), Todd Schwartz, in his capacity
as the TRA Party Representative, and each of the other Persons from time to time that become a party to this TRA Agreement. Capitalized
terms used but not defined herein shall have their respective meanings set forth in the Business Combination Agreement (as defined
below).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">RECITALS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, the
TRA Parties directly or indirectly hold Class A Common Units in OpCo, which is classified as a partnership for U.S. federal income
tax purposes;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, the
Corporate Taxpayer, OpCo and Todd Schwartz, in his capacity as the Members&#8217; Representative, entered into a Business Combination
Agreement, dated February 9, 2021 (as amended, modified or supplemented from time to time in accordance with such agreement, the
 &#8220;<B><U>Business Combination A</U>g<U>reement</U></B>&#8221;), pursuant to which OpCo will issue Closing Company Units to
the Corporate Taxpayer in exchange for the Corporate Taxpayer&#8217;s contribution to OpCo of the Cash Consideration and shares
of Buyer Class V Voting Stock (the transactions described above being the &#8220;<B><U>Purchase</U></B>&#8221;), with the Purchase,
together with certain rights provided under this TRA Agreement, being treated as a disguised sale of partnership interests governed
by Section 707(a)(2)(B) of the Code and the Treasury Regulations thereunder;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, in
connection with the transactions contemplated by the Business Combination Agreement, the Corporate Taxpayer will become the sole
managing member of, and will hold equity interests in, OpCo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, each
Class A Common Unit held by a TRA Party may be Exchanged, together with the surrender and delivery by such holder of one (1) share
of Buyer Class V Voting Stock, for one (1) share of Buyer Class A Common Stock or for cash in accordance with and subject to the
conditions and limitations in the Limited Liability Company Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, OpCo
and each direct or indirect Subsidiary of OpCo treated as a partnership for U.S. federal income tax purposes has and will have
in effect an election under Section 754 of the Code for each Taxable Year that includes the Closing Date and for each Taxable Year
in which an Exchange occurs;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, as
a result of the Closing (including the Purchase) and future Exchanges, the income, gain, loss, deduction, expense and other tax
items of the Corporate Taxpayer and its Subsidiaries may be affected by (i) Basis Adjustments and (ii) any deduction attributable
to any payment (including amounts attributable to Imputed Interest) made under this TRA Agreement (collectively, the &#8220;<B><U>Tax
Attributes</U></B>&#8221;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, the
parties to this TRA Agreement desire to provide for certain payments and make certain arrangements with respect to the effect of
the Tax Attributes on the liability for Covered Taxes of or with respect to the Corporate Taxpayer and its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW, THEREFORE</B>,
in consideration of the foregoing and the respective covenants and agreements set forth in this TRA Agreement, and intending to
be legally bound hereby, the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
I<FONT STYLE="text-transform: none"><BR>
DEFINITIONS</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
1.1<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Definitions</U></B>.
As used in this TRA Agreement, the terms set forth in this Article I shall have the following meanings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Actual
Tax Liabilit</U>y</B>&#8221; means, with respect to any Taxable Year, the actual liability for Covered Taxes imposed at the Blended
Rate of, without duplication, (i) the Corporate Taxpayer, and (ii) OpCo and its Subsidiaries, but only with respect to Covered
Taxes imposed on the net taxable income of OpCo and its Subsidiaries and allocable to the Corporate Taxpayer for such Taxable Year;
<U>provided</U> that, for the avoidance of doubt, such amounts shall include any Covered Taxes (A) imposed by way of withholding,
(B) arising under the BBA Rules to the extent such amounts are imposed on, and payable by, the Corporate Taxpayer directly, or
(C) without duplication of (B), attributable to the Corporate Taxpayer pursuant to Section 10.4 of the Limited Liability Company
Agreement; <U>provided</U> further, that, if applicable, such amounts shall be determined in accordance with a Determination (including
interest imposed in respect thereof under applicable law).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Advisory
Firm</U></B>&#8221; means PricewaterhouseCoopers, Ernst &amp; Young, Deloitte, KPMG, or RSM US LLP, or, if mutually agreed in writing
by the Corporate Taxpayer and the TRA Party Representative, another accounting firm that is nationally recognized as being expert
in U.S. federal, state and local income tax matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Advisory
Firm Letter</U></B>&#8221; means a letter prepared by the Advisory Firm (at the expense of OpCo) that prepared the relevant Schedules,
notices, or other information to be provided by the Corporate Taxpayer to the TRA Parties stating that such Schedules, notices,
or other information, along with all supporting schedules and work papers prepared by such Advisory Firm in connection with such
Schedules, notices, or other information, were prepared in a manner that is consistent with the terms of this TRA Agreement and,
to the extent not expressly provided in this TRA Agreement, on a reasonable basis in light of the facts and law in existence on
the date such Schedules, notices or other information were delivered to the TRA Parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Affiliate</U></B>&#8221;
of any particular Person means any other Person controlling, controlled by, or under common control with such Person, where &#8220;<B>control</B>&#8221;
means the possession, directly or indirectly, of the power to direct the management and policies of a Person whether through the
ownership of voting securities, its capacity as a sole or managing member, or otherwise. For purposes of this TRA Agreement, no
TRA Party shall be considered to be an Affiliate of the Corporate Taxpayer or OpCo or any of their respective Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Agreed
Rate</U></B>&#8221; means a per annum rate of LIBOR plus 100 basis points.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Amended
Schedule</U></B>&#8221; has the meaning set forth in Section 2.3(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Attributable</U></B>&#8221;
means the portion of any Tax Attribute of the Corporate Taxpayer or OpCo and its Subsidiaries that is attributable to a TRA Party
and shall be determined by reference to the Tax Attributes, under the following principles:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any Purchase Basis Adjustments shall be determined separately with respect to each TRA Party and are Attributable to each
TRA Party in an amount equal to the total Purchase Basis Adjustments relating to the Class A Common Units Purchased from such TRA
Party, determined based on the number of Class A Common Units held by such TRA Party as of immediately following the Closing;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any Exchange Basis Adjustments shall be determined separately with respect to each Exchanging Partner and are Attributable
to each Exchanging Partner in an amount equal to the total Exchange Basis Adjustments relating to such Class A Common Units Exchanged
by such Exchanging Partner; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>any deduction to the Corporate Taxpayer, as applicable, with respect to a Taxable Year in respect of any payment (including
amounts attributable to Imputed Interest) made under this TRA Agreement is Attributable to the Person that is required to include
the Imputed Interest or other payment in income (without regard to whether such Person is actually subject to tax thereon).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Basis
Ad</U>j<U>ustment</U></B>&#8221; means a Purchase Basis Adjustment or an Exchange Basis Adjustment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Basis
Schedule</U></B>&#8221; has the meaning set forth in Section 2.1.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>BBA Rules</U></B>&#8221;
has the meaning set forth in the Limited Liability Company Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Blended
Rate</U></B>&#8221; means, with respect to any Taxable Year, the sum of (x) the product of (i) the actual U.S. federal income tax
rate applicable to the Corporate Taxpayer for such Taxable Year and (ii) 100% minus the rate computed under clause (y) of this
definition and (y) the actual rates of tax imposed on the net income of the Corporate Taxpayer in each U.S. state or local jurisdiction
in which the Corporate Taxpayer files Tax Returns for such Taxable Year, with the actual rate in any U.S. state or local jurisdiction
being equal to the product of (i) the apportionment factor on the income or franchise Corporate Taxpayer Return in such jurisdiction
for such Taxable Year and (ii) the actual applicable corporate income tax rate in such jurisdiction in such Taxable Year; it being
understood that the sum of the apportionment factors applicable to all such jurisdictions may exceed 100%. As an illustration of
the calculation of Blended Rate for a Taxable Year, if the Corporate Taxpayer solely files Tax Returns in State 1 and State 2 in
a Taxable Year, the actual applicable corporate income tax rates in such states in such Taxable Year are 6.5% and 5.5%, respectively,
and the apportionment factors for such states in such Taxable Year are 55% and 45%, respectively, then the Blended Rate for such
Taxable Year is 25.7795%, equal to the sum of (A) 19.7295%, which is the product of 21% (assuming 21% is the relevant U.S. federal
income tax rate) and 93.95% (100% minus 6.05%) and (B) 6.05% (i.e., 6.5% multiplied by 55% plus 5.5% multiplied by 45%).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Board</U></B>&#8221;
means the board of directors of the Corporate Taxpayer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Business
Combination A</U>g<U>reement</U></B>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Business
Da</U>y</B>&#8221; means any day except a Saturday, a Sunday, or any other day on which commercial banks are required or authorized
to close in the State of New York.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Cash Exchan</U>g<U>e
Pa</U>y<U>ment</U></B>&#8221; has the meaning set forth in the Limited Liability Company Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Chan</U>g<U>e
of Control</U></B>&#8221; shall have occurred upon the earlier of (i) a direct or indirect sale, transfer, or other disposition
of all or substantially all of the assets of the Corporate Taxpayer (taken as a whole) in any transaction or series of related
transactions to a &#8220;person&#8221; or a &#8220;group&#8221; (as such term is defined under Regulation 13D under the Exchange
Act) that is not a TRA Party or a Permitted Transferee of a TRA Party, other than such sale, transfer or other disposition by the
Corporate Taxpayer of all or substantially all of its assets to an entity (or an Affiliate of an entity) at least fifty percent
(50%) of the combined voting power of the voting securities of which are owned by shareholders of the Corporate Taxpayer in substantially
the same proportions as their ownership of the Corporate Taxpayer immediately prior to such sale, transfer or other disposition;
(ii) any merger, consolidation, or reorganization of the Corporate Taxpayer or OpCo with another entity, except for a merger, consolidation,
or reorganization in which, after giving effect to such merger, consolidation, or reorganization, the holders of the Corporate
Taxpayer&#8217;s or OpCo&#8217;s outstanding voting securities (on a fully-diluted basis) immediately prior to the merger, consolidation,
or reorganization will own, directly or indirectly, immediately following the merger, consolidation, or reorganization, a majority
of the voting securities (on a fully diluted basis) of the Corporate Taxpayer, OpCo, or the entity into which the Corporate Taxpayer
or OpCo merged, consolidated, or reorganized with; (iii) the shareholders of the Corporate Taxpayer approve a plan of complete
liquidation or dissolution of the Corporate Taxpayer, other than such a liquidation or dissolution pursuant to which substantially
all of the assets of the Corporate Taxpayer are transferred to an entity (or an Affiliate of an entity) at least fifty percent
(50%) of the combined voting power of the voting securities of which are owned by shareholders of the Corporate Taxpayer in substantially
the same proportions as their ownership of the Corporate Taxpayer immediately prior to such liquidation or dissolution; or (iv)
any sale or transfer or series of related sales or transfers of the outstanding voting securities of the Corporate Taxpayer which
results in a &#8220;person&#8221; or &#8220;group&#8221; (as such term is defined under Regulation 13D under the Exchange Act)
that is not a TRA Party or a Permitted Transferee of a TRA Party beneficially owning outstanding voting securities of the Corporate
Taxpayer representing greater than fifty percent (50%) of all of the outstanding voting securities of the Corporate Taxpayer. For
the avoidance of doubt, a &#8220;Change of Control&#8221; shall not be deemed to have occurred by virtue of the consummation of
any transaction or series of transactions immediately following which the record holders of the Class A Common Stock and Class
V Common Stock of the Corporate Taxpayer immediately prior to such transaction or series of transactions continue to have the same
proportionate ownership in and voting control over, and own the same number of the shares of, an entity which owns, directly or
indirectly, all or substantially all of the assets of the Corporate Taxpayer immediately following such transaction or series of
transactions, nor shall a &quot;Change of Control&quot; be deemed to have occurred by virtue of the exchange of OpCo units for
shares of Class A Common Stock pursuant to their terms in existence on the date hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Class
A Common Unit</U></B>&#8221; has the meaning set forth in the Limited Liability Company Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Closin</U>g</B>&#8221;
has the meaning set forth in the Business Combination Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Closing
Date</U></B>&#8221; has the meaning set forth in the Business Combination Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Code</U></B>&#8221;
means the U.S. Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Corporate
Taxpayer</U></B>&#8221; has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Corporate
Taxpayer Return</U></B>&#8221; means the U.S. federal and/or state and/or local and/or foreign Tax Return, as applicable, of the
Corporate Taxpayer filed with respect to Covered Taxes of any Taxable Year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Covered
Taxes</U></B>&#8221; means any and all U.S. federal, state or local taxes, assessments or similar charges that are based on or
measured with respect to net income or profits, including franchise taxes that are based on or measured with respect to net income
or profits, and any interest related to such tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Cumulative
Net Realized Tax Benefit</U></B>&#8221; for a Taxable Year means the cumulative amount of Realized Tax Benefits for all Taxable
Years of the Corporate Taxpayer, up to and including such Taxable Year, net of the cumulative amount of Realized Tax Detriments
for the same such Taxable Years. The Realized Tax Benefit and Realized Tax Detriment for each Taxable Year shall be determined
based on the most recent Tax Benefit Schedule or Amended Schedule, if any, in existence at the time of such determination; <U>provided</U>,
that the computation of the Cumulative Net Realized Tax Benefit shall be adjusted to reflect any applicable Determination with
respect to any Realized Tax Benefits and/or Realized Tax Detriments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Default
Rate</U></B>&#8221; means a per annum rate of LIBOR plus 500 basis points, but in no event less than 7%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Determination</U></B>&#8221;
shall have the meaning ascribed to such term in Section 1313(a) of the Code or similar provision of U.S. state, foreign or local
tax law, as applicable, or any other event (including the execution of IRS Form 870-AD) that finally and conclusively establishes
the amount of any liability for tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>DGCL</U></B>&#8221;
means the General Corporation Law of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Early
Termination Date</U></B>&#8221; means the date of an Early Termination Notice for purposes of determining the Early Termination
Payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Early
Termination Effective Date</U></B>&#8221; means the date on which an Early Termination Schedule becomes binding pursuant to Section
4.2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Early
Termination Notice</U></B>&#8221; has the meaning set forth in Section 4.2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Early
Termination Payment</U></B>&#8221; has the meaning set forth in Section 4.3(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Early
Termination Rate</U></B>&#8221; means the lesser of (i) 6.5% per annum, compounded annually, and (ii) LIBOR plus 100 basis points.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Early
Termination Schedule</U></B>&#8221; has the meaning set forth in Section 4.2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Exchan</U>ge</B>&#8221;
has the meaning set forth in the Limited Liability Company Agreement and shall include a Direct Exchange (as defined in the Limited
Liability Company Agreement), and &#8220;<B><U>Exchanged</U></B>&#8221; has a correlative meaning.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Exchan</U>g<U>e
Act</U></B>&#8221; has the meaning set forth in the Limited Liability Company Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Exchan</U>g<U>e
Basis Ad</U>j<U>ustment</U></B>&#8221; means the adjustment to the tax basis of a Reference Asset under Sections 732, 734(b) and
1012 of the Code (in situations where, as a result of one or more Exchanges, OpCo becomes an entity that is disregarded as separate
from its owner for U.S. federal income tax purposes) or under Sections 734(b), 743(b), 754 and/or 755 of the Code (in situations
where, following an Exchange, OpCo remains in existence as an entity treated as a partnership for U.S. federal income tax purposes)
and, in each case, analogous sections of state, local and foreign tax laws, as a result of an Exchange and the payments made pursuant
to this TRA Agreement in respect of such Exchange. The amount of any Exchange Basis Adjustment shall be determined using the Market
Value with respect to such Exchange, except, for the avoidance of doubt, as otherwise required by a Determination. For the avoidance
of doubt, payments made under this TRA Agreement shall not be treated as resulting in an Exchange Basis Adjustment to the extent
such payments are treated as Imputed Interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Exchan</U>g<U>e
Date</U></B>&#8221; means the date of any Exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Exchanging
Partner</U></B>&#8221; shall mean an &#8220;Exchanging Member&#8221; as defined in the Limited Liability Company Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Expert</U></B>&#8221;
has the meaning set forth in Section 7.9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Final
Payment Date</U></B>&#8221; means, with respect to any payment required to be made pursuant to this TRA Agreement, the last date
on which such payment may be made within the applicable time period prescribed for such payment under this TRA Agreement (i.e.,
the date on which such payment is due under this TRA Agreement). For example, the Final Payment Date in respect of a Tax Benefit
Payment is determined pursuant to Section 3.1(a) of this TRA Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Future
TRAs</U></B>&#8221; has the meaning set forth in Section 5.1.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Hypothetical
Tax Liability</U></B>&#8221; means, with respect to any Taxable Year, an amount, not less than zero, equal to the hypothetical
liability for Covered Taxes imposed at the Blended Rate of, without duplication, (i) the Corporate Taxpayer, and (ii) OpCo and
its Subsidiaries, but only with respect to Covered Taxes imposed on the taxable income of OpCo and its Subsidiaries and allocable
to the Corporate Taxpayer for such Taxable Year, determined using the same methods, elections, conventions and similar practices
used in computing the Actual Tax Liability (<U>provided</U> that, such amounts shall include any Covered Taxes (A) imposed by way
of withholding, (B) arising under the BBA Rules to the extent such amounts are imposed on, and payable by, the Corporate Taxpayer
directly, or (C) without duplication of (B), attributable to the Corporate</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taxpayer pursuant to Section 10.4 of the
Limited Liability Company Agreement; <U>provided</U> further, that, if applicable, such amounts shall be determined in accordance
with a Determination), but, in each case, (a) calculating depreciation, amortization or similar deductions and income, gain or
loss using the Non-Adjusted Tax Basis of the Reference Assets as reflected on the Schedules for such Taxable Year and (b) excluding
any deduction attributable to any payment (including amounts attributable to Imputed Interest) made under this TRA Agreement for
such Taxable Year. For the avoidance of doubt, Hypothetical Tax Liability shall be determined without taking into account the carryover
or carryback of any tax item (or portions thereof) that is attributable to a Tax Attribute as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>ICC</U></B>&#8221;
has the meaning set forth in Section 7.9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Imputed
Interest</U></B>&#8221; in respect of a TRA Party shall mean any interest imputed under Section 1272, 1274 or 483 or other provision
of the Code and any similar provision of U.S. state, local and foreign tax law with respect to the Corporate Taxpayer&#8217;s payment
obligations in respect of such TRA Party under this TRA Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Interest
Amount</U></B>&#8221; has the meaning set forth in Section 3.1(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>IRS</U></B>&#8221;
means the U.S. Internal Revenue Service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>LIBOR</U></B>&#8221;
means during any period, the rate which appears on the Bloomberg Page BBAM1 (or on such other substitute Bloomberg page that displays
rates at which U.S. dollar deposits are offered by leading banks in the London interbank deposit market), or the rate which is
quoted by another source unanimously selected by the Corporate Taxpayer and the TRA Party Representative as an authorized information
vendor for the purpose of displaying rates at which U.S. dollar deposits are offered by leading banks in the London interbank deposit
market (an &#8220;<B><U>Alternate Source</U></B>&#8221;), at approximately 11:00 a.m., London time, two (2) Business Days prior
to the first day of such period as the London interbank offered rate for U.S. dollars having a borrowing date and a maturity comparable
to such period (or if there shall at any time, for any reason, no longer exist a Bloomberg Page BBAM1 (or any substitute page)
or any LIBOR Alternate Source, a comparable replacement rate unanimously determined by the Corporate Taxpayer and the TRA Party
Representative at such time); <U>provided</U>, that at no time shall LIBOR be less than 0%. If the Corporate Taxpayer and the TRA
Party Representative have unanimously made the determination that LIBOR is no longer a widely recognized benchmark rate for newly
originated loans in the U.S. loan market in U.S. dollars, then the Corporate Taxpayer and the TRA Party Representative shall establish
a replacement interest rate (the &#8220;<B><U>Replacement Rate</U></B>&#8221;), after giving due consideration to any evolving
or then prevailing conventions in the U.S. loan market for loans in U.S. dollars for such alternative benchmark, and including
any mathematical or other adjustments to such benchmark, including spread adjustments, giving due consideration to any evolving
or then prevailing convention for similar loans in the U.S. loan market in U.S. dollars for such benchmark, which adjustment, method
for calculating such adjustment and benchmark shall be published on an information service as unanimously selected from time to
time by the Corporate Taxpayer and the TRA Party Representative. The Replacement Rate shall, subject to the next two sentences,
replace LIBOR for all purposes under this TRA Agreement. In connection with the establishment and application of the Replacement
Rate, this TRA Agreement shall be amended, with the consent of the Corporate Taxpayer, OpCo and the TRA Party Representative (which</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">consent of the Corporate Taxpayer, OpCo
and the TRA Party Representative shall not be unreasonably withheld, delayed, or conditioned), as necessary or appropriate, in
the reasonable judgment of the Corporate Taxpayer and the TRA Party Representative, to replace the definition of LIBOR and otherwise
to effect the provisions of this definition. The Replacement Rate shall be applied in a manner consistent with market practice,
as unanimously determined by the Corporate Taxpayer and the TRA Party Representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Limited
Liability Company Agreement</U></B>&#8221; means, with respect to OpCo, the Third Amended and Restated Limited Liability Company
Agreement of OpCo, dated the date hereof, as such agreement may be further amended, restated, supplemented and/or otherwise modified
from time to time in accordance with the terms of such agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Market
Value</U></B>&#8221; shall mean, with respect to a Class A Common Unit (i) Exchanged for a Stock Exchange Payment or that is subject
to a deemed Exchange under this TRA Agreement, the Stock Value on the Exchange Date or the date of the applicable deemed Exchange,
as applicable, or (ii) Exchanged for a Cash Exchange Payment, the amount of the Cash Exchange Payment paid in respect of such Class
A Common Unit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Material
Ob</U>j<U>ection Notice</U></B>&#8221; has the meaning set forth in Section 4.2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Net Tax
Benefit</U></B>&#8221; has the meaning set forth in Section 3.1(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Non-Ad</U>j<U>usted
Tax Basis</U></B>&#8221; means, with respect to any Reference Asset at any time, the tax basis that such asset would have had at
such time if no Basis Adjustments had been made.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Ob</U>j<U>ection
Notice</U></B>&#8221; has the meaning set forth in Section 2.3(a).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>OpCo</U></B>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Permitted
Transferee</U></B>&#8221; has the meaning set forth in the Limited Liability Company Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Person</U></B>&#8221;
means any natural person, sole proprietorship, partnership, trust, unincorporated association, corporation, limited liability company,
entity or governmental entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Purchase</U></B>&#8221;
has the meaning set forth in the Recitals, and &#8220;<B><U>Purchased</U></B>&#8221; has a correlative meaning.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Purchase
Basis Ad</U>j<U>ustment</U></B>&#8221; means the adjustment to the tax basis of a Reference Asset under Sections 734(b), 743(b),
754 and/or 755 of the Code and, in each case, analogous sections of state, local and foreign tax laws, as a result of the Purchase
and the payments made pursuant to this TRA Agreement in respect of such Purchase. For the avoidance of doubt, payments made under
this TRA Agreement shall not be treated as resulting in a Purchase Basis Adjustment to the extent such payments are treated as
Imputed Interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Realized
Tax Benefit</U></B>&#8221; means, for a Taxable Year, the excess, if any, of the Hypothetical Tax Liability over the Actual Tax
Liability. If all or a portion of the Actual Tax Liability for the Taxable Year arises as a result of an audit or similar proceeding
by a Taxing Authority of any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Taxable Year, such liability and the corresponding
Hypothetical Tax Liability shall not be included in determining the Realized Tax Benefit unless and until there has been a Determination
with respect to such Actual Tax Liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Realized
Tax Detriment</U></B>&#8221; means, for a Taxable Year, the excess, if any, of the Actual Tax Liability over the Hypothetical Tax
Liability. If all or a portion of the Actual Tax Liability for the Taxable Year arises as a result of an audit or similar proceeding
by a Taxing Authority of any Taxable Year, such liability and the corresponding Hypothetical Tax Liability shall not be included
in determining the Realized Tax Detriment unless and until there has been a Determination with respect to such Actual Tax Liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Reconciliation
Dispute</U></B>&#8221; has the meaning set forth in Section 7.9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Reconciliation
Procedures</U></B>&#8221; has the meaning set forth in Section 2.3(a).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Reference
Asset</U></B>&#8221; means an asset that is held by OpCo, or by any of its direct or indirect Subsidiaries treated as a partnership
or disregarded entity (but only if such indirect Subsidiaries are held only through Subsidiaries treated as partnerships or disregarded
entities) for purposes of the applicable tax, at the time of the Purchase or an Exchange, as relevant. A Reference Asset also includes
any asset the tax basis of which is determined, in whole or in part, for purposes of the applicable tax, by reference to the tax
basis of an asset that is described in the preceding sentence, including, for U.S. federal income tax purposes, any asset that
is &#8220;substituted basis property&#8221; under Section 7701(a)(42) of the Code with respect to a Reference Asset.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Schedule</U></B>&#8221;
means any of the following: (i) a Basis Schedule; (ii) a Tax Benefit Schedule; or (iii) the Early Termination Schedule, and, in
each case, any amendments thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Securities
Act</U></B>&#8221; has the meaning set forth in the Limited Liability Company Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Senior
Obligations</U></B>&#8221; has the meaning set forth in Section 5.1.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Stock
Exchange Payment</U></B>&#8221; has the meaning set forth in the Limited Liability Company Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Stock
Value</U></B>&#8221; means, on any date, (i) if the Buyer Class A Common Stock trades on a national securities exchange or automated
or electronic quotation system, the arithmetic average of the high trading and the low trading price on such date (or if such date
is not a trading day, the immediately preceding trading day) or (ii) if the Buyer Class A Common Stock is not then traded on a
national securities exchange or automated or electronic quotation system, as applicable, the Appraiser FMV (as defined in the Limited
Liability Company Agreement) on such date of one (1) share of Buyer Class A Common Stock that would be obtained in an arms-length
transaction between an informed and willing buyer and an informed and willing seller, neither of whom is under any compulsion to
buy or sell, respectively, and without regard to the particular circumstances of the buyer or seller.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Subsidiaries</U></B>&#8221;
means, of any Person, any corporation, association, partnership, limited liability company, or other business entity of which more
than fifty percent (50%) of the voting</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">power or equity is owned or controlled
directly or indirectly by such Person, or one (1) or more of the Subsidiaries of such Person, or a combination thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Tax Attributes</U></B>&#8221;
has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Tax Benefit
Payment</U></B>&#8221; has the meaning set forth in Section 3.1(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Tax Benefit
Schedule</U></B>&#8221; has the meaning set forth in Section 2.2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Tax Return</U></B>&#8221;
means any return, declaration, report, information returns, claims for refund, disclosures or similar statement filed or required
to be filed with respect to or in connection with Covered Taxes (including any related or supporting schedules, attachments, statements
or information filed or required to be filed with respect thereto), including any amendments thereof and declarations of estimated
tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Taxable
Year</U></B>&#8221; means a taxable year of the Corporate Taxpayer as defined in Section 441(b) of the Code or comparable section
of state, local or foreign tax law, as applicable (and which may include a period of more or less than twelve (12) months for which
a Tax Return is made), ending on or after the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Taxing
Authority</U></B>&#8221; means any domestic, federal, national, state, county or municipal or other local government, any subdivision,
agency, commission or authority thereof, or any quasi-governmental body, in each case, exercising any taxing authority or any other
authority or jurisdiction of any kind in relation to tax matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>TRA A</U>g<U>reement</U></B>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>TRA Disinterested
Majority</U></B>&#8221; means a majority of the directors of the Board who are disinterested as determined by the Board in accordance
with the DGCL with respect to the matter being considered by the Board; provided that to the extent a matter being considered by
the Board is required to be considered by disinterested directors under the rules of the national securities exchange on which
the Buyer Class A Common Stock is then listed, the Securities Act, or the Exchange Act, such rules with respect to the definition
of disinterested director shall apply solely with respect to such matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>TRA Part</U>y</B>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>TRA Party
Representative</U></B>&#8221; means, initially, Todd Schwartz, and thereafter, if Todd Schwartz voluntarily resigns in accordance
with Section 7.13, such other Person that the TRA Parties determine from time to time by a plurality vote of the TRA Parties ratably
in accordance with their right to receive Early Termination Payments under this TRA Agreement determined as if all TRA Parties
had fully Exchanged their Class A Common Units for shares of Buyer Class A Common Stock or other consideration and the Corporate
Taxpayer had exercised its right of early termination on the date of the most recent Exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Transfer</U></B>&#8221;
has the meaning set forth in the Limited Liability Company Agreement and the terms &#8220;Transferee,&#8221; &#8220;Transferor,&#8221;
 &#8220;Transferred,&#8221; and other forms of the word &#8220;Transfer&#8221; shall have the correlative meanings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Treasury
Regulations</U></B>&#8221; means the final, temporary and proposed regulations under the Code as in effect for the relevant taxable
period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B><U>Valuation
Assumptions</U></B>&#8221; shall mean, as of an Early Termination Date, the assumptions that in each Taxable Year ending on or
after such Early Termination Date, (i) the Corporate Taxpayer will have taxable income sufficient to fully utilize the tax items,
including deductions, arising from the Tax Attributes (other than any items addressed in clause (ii) below) during such Taxable
Year or future Taxable Years (including deductions and other tax items arising from Basis Adjustments and Imputed Interest that
would result from the applicable future payments made under this TRA Agreement that would be paid in accordance with the Valuation
Assumptions, further assuming that such applicable future payments would be paid on the due date (including extensions) for filing
the Corporate Taxpayer Return for the applicable Taxable Year) in which such deductions or other tax items would become available,
(ii) any loss carryovers generated by deductions arising from any Tax Attributes, which loss carryovers are available in the Taxable
Year that includes such Early Termination Date, will be used by the Corporate Taxpayer on a <I>pro rata </I>basis from such Early
Termination Date through (A) the scheduled expiration date of such loss carryovers (if any) or (B) if there is no such scheduled
expiration, then the fifteen (15) year anniversary of the Early Termination Date, (iii) the U.S. federal, state, local and foreign
income tax rates that will be in effect for each such Taxable Year will be those specified for each such Taxable Year by the Code
and other law as in effect on the Early Termination Date and the Blended Rate will be calculated based on such rates and the apportionment
factors applicable in the most recently ended Taxable Year, except to the extent any change to such tax rates for such Taxable
Year have already been enacted into law, (iv) except as described in clause (v) below, any non-amortizable, non-depreciable Reference
Assets will be disposed of on the later of (A) the fifteenth (15th) anniversary of either the applicable Exchange (in the case
of Exchange Basis Adjustments) or the Closing Date (in the case of Purchase Basis Adjustments), as applicable, or (B) the Early
Termination Date, and any cash equivalents will be disposed of twelve (12) months following the Early Termination Date; <U>provided</U>,
that in the event of a Change of Control, such non-amortizable, non-depreciable assets shall be deemed disposed of at the time
of sale (if applicable) of the relevant asset in the Change of Control (if earlier than the applicable fifteenth (15th) anniversary),
(v) the stock of or other interests in Subsidiaries that are treated as C corporations for U.S. federal income tax purposes will
never be disposed of, and (vi) if, on the Early Termination Date, there are Class A Common Units that have not been Exchanged,
then each such Class A Common Unit shall be deemed Exchanged in a fully taxable transaction for the Market Value (as determined
in accordance with clause (i) of the definition thereof) that would be applicable if the Exchange occurred on the Early Termination
Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
II<FONT STYLE="text-transform: none"><BR>
DETERMINATION OF CERTAIN REALIZED TAX BENEFIT</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.1<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Basis Schedule</U></B>.
Within ninety (90) calendar days after the due date (including extensions) of IRS Form 1120 (or any successor form) of the Corporate
Taxpayer for each Taxable Year, the Corporate Taxpayer shall deliver to each TRA Party a schedule (the &#8220;Basis Schedule&#8221;)
that shows, in reasonable detail necessary to perform the calculations required by this TRA Agreement, (i) the actual tax basis
and the Non-Adjusted Tax Basis of the Reference Assets as of the Closing Date and the date of each Exchange, (ii) the Exchange
Basis Adjustments Attributable to such TRA Party with respect to the Reference Assets as a result of Exchanges</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">effected by such TRA Party in such Taxable
Year and prior Taxable Years, (iii) the Purchase Basis Adjustments Attributable to such TRA Party for the Taxable Year of the Closing,
and (iv) the period (or periods) over which such Basis Adjustments are amortizable and/or depreciable, in each case, calculated
in the aggregate for all TRA Parties and solely with respect to the TRA Party to which such Basis Schedule is delivered. All costs
and expenses incurred in connection with the provision and preparation of the Basis Schedules and Tax Benefit Schedules for each
TRA Party in compliance with this TRA Agreement and the obtaining of any Advisory Firm Letter shall be borne by OpCo. Each Basis
Schedule shall become final as provided in Section 2.3(a) and may be amended as provided in Section 2.3(b) (subject to the procedures
set forth in Section 2.3(b)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.2<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Tax Benefit
Schedule</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Tax Benefit Schedule</U>. Within ninety (90) calendar days after the due date (including extensions) of IRS Form 1120
(or any successor form) of the Corporate Taxpayer for any Taxable Year, the Corporate Taxpayer shall provide to each TRA Party
a schedule showing, in reasonable detail, the calculation of the Tax Benefit Payment (and any Realized Tax Benefit) or the lack
of a Tax Benefit Payment (and any Realized Tax Detriment), as applicable, Attributable to such TRA Party for such Taxable Year
(a &#8220;<B><U>Tax Benefit Schedule</U></B>&#8221;). Each Tax Benefit Schedule shall become final as provided in Section 2.3(a)
and may be amended as provided in Section 2.3(b) (subject to the procedures set forth in Section 2.3(b)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Applicable Principles</U>. Subject to Section 3.3, the Realized Tax Benefit (or the Realized Tax Detriment) for each
Taxable Year is intended to measure the decrease (or increase) in the actual liability for Covered Taxes of the Corporate Taxpayer
for such Taxable Year attributable to the Tax Attributes, determined using a &#8220;with and without&#8221; methodology. Carryovers
or carrybacks of any Tax item attributable to any of the Tax Attributes shall be considered to be subject to the rules of the Code
and the Treasury Regulations or the appropriate provisions of U.S. state, local and foreign income and franchise tax law, as applicable,
governing the use, limitation and expiration of carryovers or carrybacks of the relevant type. If a carryover or carryback of any
tax item includes a portion that is attributable to any Tax Attribute (&#8220;<B><U>TRA Portion</U></B>&#8221;) and another portion
that is not (&#8220;<B><U>Non&#45;TRA Portion</U></B>&#8221;), such portions shall be considered to be used in accordance with
the &#8220;with and without&#8221; methodology so that the amount of any Non-TRA Portion is deemed utilized, to the extent available,
prior to the amount of any TRA Portion, to the extent available (with the TRA Portion being applied on a proportionate basis consistent
with the provisions of Section 3.3). The parties agree that (A) (i) the payments made pursuant to this TRA Agreement in respect
of the Purchase (to the extent permitted by applicable law and other than amounts accounted for as Imputed Interest) are intended
to be treated and shall be reported for all purposes, including tax purposes, as additional contingent consideration to the applicable
TRA Parties for the Purchase at and after the Closing that has the effect of creating additional Purchase Basis Adjustments and
(ii) the payments made pursuant to this TRA Agreement in respect of an Exchange are intended to be treated and shall be reported
for all purposes, including tax purposes, as additional contingent consideration to the applicable Exchanging Partner for such
Exchange that has the effect of creating additional Exchange Basis Adjustments, in each case of (i) and (ii), to the Reference
Assets in the Taxable Year of payment, (B) such additional Purchase Basis</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Adjustments and Exchange Basis
Adjustments shall be incorporated into the calculation for the Taxable Year of the applicable payment and into the calculations
for subsequent Taxable Years, as appropriate and (C) the Actual Tax Liability shall take into account the deduction of the portion
of the Tax Benefit Payment that must be accounted for as Imputed Interest under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.3<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Procedures,
Amendments</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Procedure</U>. Every time the Corporate Taxpayer delivers to a TRA Party an applicable Schedule under this TRA Agreement,
including any Amended Schedule delivered pursuant to Section 2.3(b), and any Early Termination Schedule or amended Early Termination
Schedule, the Corporate Taxpayer shall also (x) deliver to such TRA Party supporting schedules and work papers, as determined by
the Corporate Taxpayer or as reasonably requested by such TRA Party, providing reasonable detail regarding data and calculations
that were relevant for purposes of preparing the Schedule, (y) indicate which Advisory Firm prepared the Schedule and will cause
such Advisory Firm to prepare an Advisory Firm Letter with respect to such Schedule, and (z) allow the TRA Party Representative
and its advisors reasonable access to the appropriate representatives at the Corporate Taxpayer and (at the cost and expense of
OpCo) at the Advisory Firm that prepared the applicable Schedule in connection with a review of such Schedule. Without limiting
the generality of the preceding sentence, the Corporate Taxpayer shall ensure that any Tax Benefit Schedule or Early Termination
Schedule that is delivered to a TRA Party, along with any supporting schedules and work papers, provides a reasonably detailed
presentation of the calculation of the Actual Tax Liability (the &#8220;with&#8221; calculation) and the Hypothetical Tax Liability
(the &#8220;without&#8221; calculation) and identifies any material assumptions or operating procedures or principles that were
used for purposes of such calculations. An applicable Schedule or amendment thereto shall become final and binding on all parties
thirty (30) calendar days from the date on which all relevant TRA Parties have received the applicable Schedule or amendment thereto
under Section 7.1 unless the TRA Party Representative (i) prior to such date, gives the Corporate Taxpayer written notice of a
material objection to such Schedule or amendment thereto made in good faith (&#8220;<B><U>Ob</U>j<U>ection Notice</U></B>&#8221;),
or (ii) provides a written waiver of its right to give an Objection Notice within the period described in clause (i) above, in
which case such Schedule or amendment thereto becomes binding on the date such waiver is given by the TRA Party Representative.
If the Corporate Taxpayer and the TRA Party Representative, for any reason, are unable to successfully resolve the issues raised
in any Objection Notice within thirty (30) calendar days after receipt by the Corporate Taxpayer of such Objection Notice, the
Corporate Taxpayer and the TRA Party Representative shall employ the reconciliation procedures described in Section 7.9 (the &#8220;<B><U>Reconciliation
Procedures</U></B>&#8221;), in which case such Schedule or Amended Schedule shall become binding in accordance with Section 7.9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Amended Schedule</U>. The applicable Schedule for any Taxable Year may be amended from time to time by the Corporate
Taxpayer (i) in connection with a Determination affecting such Schedule, (ii) to correct material inaccuracies in the Schedule,
including those identified as a result of the receipt of additional factual information relating to a Taxable Year after the date
the Schedule was provided to a TRA Party, (iii) to comply with an Expert&#8217;s determination under the Reconciliation Procedures,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">(iv) to reflect a change in the
Realized Tax Benefit or the Realized Tax Detriment for such Taxable Year attributable to a carryback or carryforward of a loss
or other tax item to such Taxable Year, (v) to reflect a change in the Realized Tax Benefit or the Realized Tax Detriment for such
Taxable Year attributable to an amended Tax Return filed for such Taxable Year, or (vi) to adjust an applicable TRA Party&#8217;s
Basis Schedule to take into account payments made pursuant to this TRA Agreement (any such Schedule, an &#8220;<B><U>Amended Schedule</U></B>&#8221;).
The Corporate Taxpayer shall provide an Amended Schedule to each TRA Party when the Corporate Taxpayer delivers the Basis Schedule
for the following Taxable Year (or, in the sole discretion of the Corporate Taxpayer, at an earlier date). In the event a Schedule
is amended after such Schedule becomes final pursuant to Section 2.3(a) or, if applicable, Section 7.9, (A) the Amended Schedule
shall not be taken into account in calculating any Tax Benefit Payment in the Taxable Year to which the amendment relates but instead
shall be taken into account in calculating the Cumulative Net Realized Tax Benefit for the Taxable Year in which the amendment
actually occurs, and (B) as a result of the foregoing, any increase of the Net Tax Benefit attributable to an Amended Schedule
shall not accrue the Interest Amount (or any other interest hereunder) until after the due date (without extensions) for filing
IRS Form 1120 (or any successor form) of the Corporate Taxpayer with respect to Covered Taxes for the Taxable Year in which the
amendment actually occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
2.4<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Section 754
Election</U></B>. In its capacity as the sole managing member of OpCo, the Corporate Taxpayer shall ensure that, for the Taxable
Year that includes the date hereof and for each Taxable Year in which an Exchange occurs and with respect to which the Corporate
Taxpayer has obligations under this TRA Agreement, OpCo and each of its direct and indirect Subsidiaries that is treated as a partnership
for U.S. federal income tax purposes will have in effect an election under Section 754 of the Code (and under any similar provisions
of applicable U.S. state or local law) for each such Taxable Year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
III<FONT STYLE="text-transform: none"><BR>
TAX BENEFIT PAYMENTS</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.1<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Payments</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Payments</U>. Within five (5) Business Days after a Tax Benefit Schedule delivered to a TRA Party becomes final in accordance
with Section 2.3(a) or, if applicable, Section 7.9, the Corporate Taxpayer shall pay such TRA Party for such Taxable Year the Tax
Benefit Payment determined pursuant to Section 3.1(b) that is Attributable to such TRA Party. Each such Tax Benefit Payment shall
be made by wire transfer of immediately available funds to the bank account previously designated by such TRA Party to the Corporate
Taxpayer in writing or as otherwise agreed by the Corporate Taxpayer and such TRA Party or, in the absence of such designation
or agreement, by check mailed to the last mailing address provided by such TRA Party to the Corporate Taxpayer. The payments provided
for pursuant to the above sentence shall be computed separately for each TRA Party. Without limiting the Corporate Taxpayer&#8217;s
ability to make offsets against Tax Benefit Payments to the extent permitted by Section 3.5, no TRA Party shall be required under
any circumstances to make a payment or return a payment to the Corporate Taxpayer in respect of any portion of any Tax Benefit
Payment previously paid by the Corporate</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Taxpayer to such TRA Party (including
any portion of any Early Termination Payment). Notwithstanding anything to the contrary in this Agreement, unless a TRA Party notifies
the Corporate Taxpayer otherwise on or prior to the date of the Exchange, or specifies a different stated maximum selling price,
including, in each case, in connection with its notice of its Exchange, the stated maximum selling price (within the meaning of
Treasury Regulations section 15A.453-1(c)(2)) with respect to any Exchange by such TRA Party shall not exceed the sum of (1) fifty
percent (50%) of the amount of the initial consideration received in connection with such Exchange (which initial consideration,
for the avoidance of doubt, shall include the amount of any cash and the fair market value of any Buyer Class A Common Stock received
in such Exchange and shall exclude the fair market value of any Tax Benefit Payments) and (2) the amount of the initial consideration
received in connection with such Exchange. The aggregate Tax Benefit Payments to such TRA Party in respect of such Exchange (other
than amounts accounted for as interest under the Code) shall not exceed the amount set forth in (1) of the preceding sentence .</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>For purposes of this TRA Agreement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>A &#8220;<B><U>Tax Benefit Payment</U></B>&#8221; in respect of a TRA Party for a Taxable Year means an amount, not less
than zero, equal to the sum of (i) Net Tax Benefit that is Attributable to such TRA Party and (ii) the Interest Amount with respect
thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to Section 3.3, the &#8220;<B><U>Net Tax Benefit</U></B>&#8221; for a Taxable Year shall be an amount equal to the
excess, if any, of ninety percent (90%) of the Cumulative Net Realized Tax Benefit as of the end of such Taxable Year, over the
total amount of payments previously made under the first sentence of Section 3.1(a) (excluding payments attributable to Interest
Amounts); <U>provided</U>, that if there is no such excess (or if a deficit exists), no TRA Party shall be required to make a payment
(or return a payment) to the Corporate Taxpayer in respect of any portion of any Tax Benefit Payment previously paid by the Corporate
Taxpayer to such TRA Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The &#8220;<B><U>Interest Amount</U></B>&#8221; shall equal the interest on the Net Tax Benefit calculated at the Agreed
Rate from the due date (without extensions) for filing IRS Form 1120 (or any successor form) of the Corporate Taxpayer with respect
to Covered Taxes for the applicable Taxable Year until the payment date under Section 3.1(a); <U>provided</U> that such interest
shall not accrue on the amount of any Net Tax Benefit after the date on which such amount is actually paid to the applicable TRA
Party, regardless of whether such payment is made prior to the due date for such payment under Section 3.1(a) and regardless of
whether the amount of any unpaid Net Tax Benefit has yet become final in accordance with Section 2.3(a) or, if applicable, Section
7.9.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.2<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>No Duplicative
Payments</U></B>. It is intended that the provisions of this TRA Agreement will not result in duplicative payment of any amount
(including interest) required under this TRA Agreement. It is also intended that the provisions of this TRA Agreement will result
in ninety percent (90%) of the Corporate Taxpayer&#8217;s Cumulative Net Realized Tax Benefits, and the</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Interest Amounts thereon, being paid to
the TRA Parties pursuant to this TRA Agreement. The provisions of this TRA Agreement shall be construed in the appropriate manner
so that these fundamental results are achieved. For purposes of this TRA Agreement, and also for the avoidance of doubt, no Tax
Benefit Payment shall be required to be calculated or made in respect of any estimated tax payments, including, without limitation,
any estimated U.S. federal income tax payments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.3<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Pro Rata
Payments</U></B>. Notwithstanding anything in Section 3.1 to the contrary, to the extent that the aggregate Realized Tax Benefit
of the Corporate Taxpayer with respect to the Tax Attributes is limited in a particular Taxable Year because the Corporate Taxpayer
do not have sufficient taxable income, the Net Tax Benefit for the Corporate Taxpayer shall be allocated among all parties eligible
for Tax Benefit Payments under this TRA Agreement in proportion to the amounts of Net Tax Benefit, respectively, that would have
been Attributable to each TRA Party if the Corporate Taxpayer had sufficient taxable income so that there were no such limitation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.4<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Payment Ordering</U></B>.
If for any reason the Corporate Taxpayer does not fully satisfy its payment obligations to make all Tax Benefit Payments due under
this TRA Agreement in respect of a particular Taxable Year, then the Corporate Taxpayer and the TRA Parties agree that (i) Tax
Benefit Payments for such Taxable Year shall be allocated to all parties eligible for Tax Benefit Payments under this TRA Agreement
in proportion to the amounts of Net Tax Benefit, respectively, that would have been Attributable to each TRA Party if the Corporate
Taxpayer had sufficient cash available to make such Tax Benefit Payments and (ii) no Tax Benefit Payments shall be made in respect
of any Taxable Year until all Tax Benefit Payments to all TRA Parties in respect of all prior Taxable Years have been made in full.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
3.5<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Overpayments</U></B>.
To the extent the Corporate Taxpayer makes a payment to a TRA Party in respect of a particular Taxable Year under Section 3.1(a)
in an amount in excess of the amount of such payment that should have been made to such TRA Party in respect of such Taxable Year
(taking into account Section 3.3 and Section 3.4) under the terms of this TRA Agreement, then such TRA Party shall not receive
further payments under Section 3.1(a) until such TRA Party has foregone an amount of payments equal to such excess.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
IV<FONT STYLE="text-transform: none"><BR>
TERMINATION</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.1<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Early Termination
of Agreement; Breach of Agreement</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Corporate Taxpayer&#8217;s Early Termination Right</U>. The Corporate Taxpayer may, with the prior written consent of
the Board and the TRA Disinterested Majority, terminate this TRA Agreement (including with respect to all amounts payable to the
TRA Parties and with respect to all of the Class A Common Units held by the TRA Parties, subject to the immediately succeeding
sentence) at any time by paying to each TRA Party the Early Termination Payment in respect of such TRA Party; <U>provided</U>,
<U>however</U>, that this TRA Agreement shall terminate only upon the receipt by each TRA Party of its respective Early Termination
Payment and payments described in the next sentence, if any, and <U>provided</U>, <U>further</U>, that the Corporate Taxpayer may
withdraw any notice to execute its</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">termination rights under this
Section 4.1(a) prior to the time at which any Early Termination Payment has been paid. Upon payment of the Early Termination Payment
by the Corporate Taxpayer, none of the TRA Parties or the Corporate Taxpayer shall have any further payment obligations under this
TRA Agreement, other than with respect to (i) any Tax Benefit Payments due and payable and that remain unpaid as of the Early Termination
Date (which Tax Benefit Payments shall not be included in the Early Termination Payments) and as of the date of payment of the
Early Termination Payment and (ii) any Tax Benefit Payments due for the Taxable Year ending immediately prior to or including the
Early Termination Date (except to the extent that the amounts described in this <U>clause </U>(ii) are included in the calculation
of the Early Termination Payments (at the option of the Corporate Taxpayer) or are included in <U>clause</U> (i)); <U>provided</U>
that upon payment of all amounts, to the extent applicable and without duplication, described in this sentence, this TRA Agreement
shall terminate. For the avoidance of doubt, if an Exchange occurs after the Corporate Taxpayer makes all of the required Early
Termination Payments, the Corporate Taxpayer shall have no obligations under this TRA Agreement with respect to such Exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Acceleration Upon Chan</U>g<U>e of Control</U>. In the event of a Change of Control, the TRA Party Representative shall
have the option, by written notice to the Corporate Taxpayer, to cause the acceleration of the unpaid payment obligations as calculated
in accordance with this Section 4.1(b), and such payment obligations shall be calculated as if an Early Termination Notice had
been delivered on the date of such Change of Control and shall include, without duplication:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>the Early Termination Payments calculated with respect to such TRA Parties as if the Early Termination Date is the date
of such Change of Control, (ii) any Tax Benefit Payments due and payable and that remain unpaid as of the date of such Change of
Control (which Tax Benefit Payments shall not be included in the Early Termination Payments described in <U>clause (i)</U>); and
(iii) any Tax Benefit Payments due for the Taxable Year ending immediately prior to or including the date of such Change of Control
(except to the extent that the amounts described in this <U>clause (iii)</U> are included in the calculation of Early Termination
Payments described in <U>clause (i)</U> (at the option of the Corporate Taxpayer) or are included in <U>clause (ii)</U>); <U>provided</U>,
that the procedures of Section 4.2 (and Section 2.3, to the extent applicable) and Section 4.3 shall apply <I>mutatis mutandis
</I>with respect to the determination of the amount payable by the Corporate Taxpayer pursuant to this sentence and the payment
thereof, except that such amount shall not be due and payable until five (5) Business Days after such amount has become final pursuant
to Section 4.2 or, if applicable, Section 7.9. In the event of an acceleration following a Change of Control, any Early Termination
Payment described in the preceding sentence shall be calculated utilizing the Valuation Assumptions, substituting in each case
the terms &#8220;date of a Change of Control&#8221; for an &#8220;Early Termination Date,&#8221; and if an Exchange occurs after
the Corporate Taxpayer makes all such required Early Termination Payments and other payments described in this Section 4.1(b),
the Corporate Taxpayer shall have no obligations under this TRA Agreement with respect to such Exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Acceleration Upon Material Breach of TRA Agreement</U>. In the event that the Corporate Taxpayer materially breaches
any of its material obligations under this TRA Agreement, whether as a result of a failure to make a payment required to be made
pursuant to this TRA Agreement by the Final Payment Date therefor (except for all or a portion of such payment that is being validly
disputed in good faith under this TRA Agreement, and then only with respect to the amount in dispute), failure to honor any other
material obligations under this TRA Agreement to the extent not cured within thirty (30) calendar days following receipt by the
Corporate Taxpayer of written notice of such failure from the TRA Party Representative following such failure, or by operation
of law as a result of the rejection of this TRA Agreement in a case commenced under bankruptcy laws then all obligations hereunder
shall automatically accelerate (unless such acceleration is waived in writing by the TRA Party Representative, which waiver may
be retroactive) and such obligations shall be calculated as if an Early Termination Notice had been delivered on the date of such
breach and shall include, but not be limited to, (1) an Early Termination Payment calculated pursuant to Section 4.1(a) as if
an Early Termination Notice had been delivered on the date of the breach, (2) any Tax Benefit Payment that is due and payable
but unpaid as of the date of the breach (which Tax Benefit Payments shall not be included in the Early Termination Payments described
in <U>clause (1)</U>) and (3) any Tax Benefit Payment due for the Taxable Year ending with or including the date of the breach
(except to the extent that the amounts described in this <U>clause (3)</U> are included in the calculation of Early Termination
Payments described in <U>clause (1)</U> (at the option of the Corporate Taxpayer) or are included in <U>clause (2)</U>). Notwithstanding
the foregoing, in the event the Corporate Taxpayer breaches this TRA Agreement with respect to one or more TRA Parties, such TRA
Parties shall be entitled to elect to receive the amounts set forth in clauses (1), (2) and (3) above or to seek specific performance
of the terms hereof. For purposes of this Section 4.1(c), and subject to the following sentence, the Parties agree that the failure
to make any payment due pursuant to this TRA Agreement within thirty (30) calendar days of the relevant Final Payment Date shall
be deemed to be a material breach of a material obligation under this TRA Agreement for all purposes of this TRA Agreement, and
that it will not be considered to be a material breach of a material obligation under this TRA Agreement to make a payment due
pursuant to this TRA Agreement within thirty (30) calendar days of the relevant Final Payment Date. Notwithstanding anything in
this TRA Agreement to the contrary, it shall not be a material breach of a material obligation of this TRA Agreement if the Corporate
Taxpayer fails to make any Tax Benefit Payment within thirty (30) calendar days of the relevant Final Payment Date to the extent
that the Corporate Taxpayer has insufficient funds or cannot make such payment as a result of obligations imposed in connection
with the Senior Obligations or under applicable law, and cannot obtain sufficient funds despite using reasonable best efforts
to obtain funds to make such payment (including by causing Subsidiaries to distribute or lend funds for such payment and access
any sources of available credit to fund such payment); <U>provided</U> that the interest provisions of Section 5.2 shall apply
to such late payment (unless the Corporate Taxpayer does not have sufficient funds to make such payment as a result of limitations
imposed by, or payment obligations under, any Senior Obligations, in which case Section 5.2 shall apply, but the Default Rate
shall be replaced by the Agreed Rate); and <U>provided</U>, <U>further</U>, that such payment obligation shall nonetheless accrue
for the benefit of the TRA Parties and the Corporate Taxpayer</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">shall make such payment at the
first opportunity that it has sufficient funds and is otherwise able to make such payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.2<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Early Termination
Notice</U></B>. If the Corporate Taxpayer chooses to exercise its right of early termination in accordance with Section 4.1(a)
above, the Corporate Taxpayer shall deliver to each TRA Party written notice of such decision to exercise such right (&#8220;<B><U>Early
Termination Notice</U></B>&#8221;) and a schedule (the &#8220;<B><U>Early Termination Schedule</U></B>&#8221;) specifying the Corporate
Taxpayer&#8217;s decision to exercise such right and showing in reasonable detail the calculation of the Early Termination Payment(s)
due for each TRA Party. Each Early Termination Schedule shall become final and binding on all parties thirty (30) calendar days
from the first date on which all TRA Parties have been given such Schedule under Section 7.1 unless the TRA Party Representative
(i) within thirty (30) calendar days after such date gives the Corporate Taxpayer written notice of a material objection to such
Schedule made in good faith (&#8220;<B><U>Material Objection Notice</U></B>&#8221;) or (ii) provides a written waiver of its right
to give a Material Objection Notice within the period described in clause (i) above, in which case such Schedule becomes binding
on the date such waiver is given by the TRA Party Representative to the Corporate Taxpayer. If the Corporate Taxpayer and the TRA
Party Representative, for any reason, are unable to successfully resolve the issues raised in such Material Objection Notice within
thirty (30) calendar days after the receipt by the Corporate Taxpayer of the Material Objection Notice, the Corporate Taxpayer
and the TRA Party Representative shall employ the Reconciliation Procedures in which case such Schedule becomes binding in accordance
with Section 7.9. The TRA Party Representative will represent the interests of each of the TRA Parties and shall raise and pursue,
in accordance with this Section 4.2, any objection to an Early Termination Schedule timely given in writing to the TRA Party Representative
by a TRA Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
4.3<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Payment upon
Early Termination</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Within five (5) Business Days after an Early Termination Effective Date, the Corporate Taxpayer shall pay to each TRA Party
an amount equal to the Early Termination Payment Attributable to such TRA Party. Such payment shall be made by wire transfer of
immediately available funds to a bank account or accounts designated in writing by such TRA Party or as otherwise agreed by the
Corporate Taxpayer and such TRA Party or, in the absence of such designation or agreement, by check mailed to the last mailing
address provided by such TRA Party to the Corporate Taxpayer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&#8220;<B><U>Early Termination Payment</U></B>&#8221; in respect of a TRA Party shall equal the present value, discounted
at the Early Termination Rate as of and starting from the applicable Early Termination Date, of all Tax Benefit Payments (excluding
the Interest Amount) in respect of such TRA Party that would be required to be paid by the Corporate Taxpayer beginning from the
Early Termination Date (but which have not been previously paid as of such date), and assuming that the Valuation Assumptions in
respect of such TRA Party are applied and that each such Tax Benefit Payment for each relevant Taxable Year would be paid on the
due date (including extensions) under applicable law as of the Early Termination Date for filing of IRS Form 1120 (or any successor
form) of the Corporate Taxpayer for each such Taxable Year. For the avoidance of doubt, an Early Termination Payment shall be made
to each applicable TRA Party regardless of whether such TRA Party has exchanged all of its Class A Common Units as of the Early
Termination Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
V<BR>
SUBORDINATION AND LATE PAYMENTS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.1<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Subordination</U></B>.
Notwithstanding any other provision of this TRA Agreement to the contrary, any Tax Benefit Payment, Early Termination Payment,
or any other payment required to be made by the Corporate Taxpayer to any TRA Party under this TRA Agreement shall rank subordinate
and junior in right of payment to any principal, interest, or other amounts due and payable in respect of any obligations in respect
of indebtedness for borrowed money of the Corporate Taxpayer and its Subsidiaries (the &#8220;<B><U>Senior Obligations</U></B>&#8221;)
and shall rank <I>pari passu</I> in right of payment with all current or future unsecured obligations of the Corporate Taxpayer
that are not Senior Obligations. To the extent that any payment under this TRA Agreement is not permitted to be made at the time
payment is due as a result of this Section 5.1 or the terms of the agreements governing Senior Obligations, such payment obligation
nevertheless shall accrue for the benefit of the TRA Parties and the Corporate Taxpayer shall make such payments at the first opportunity
that such payments are permitted to be made in accordance with this Section 5.1 or the terms of the Senior Obligations, as applicable,
and Section 5.2 shall apply to such payment. Notwithstanding any other provision of this TRA Agreement to the contrary, to the
extent that the Corporate Taxpayer or any of its Affiliates enters into future tax receivable or other similar agreements (&#8220;<B><U>Future
TRAs</U></B>&#8221;), the Corporate Taxpayer shall ensure that the terms of any such Future TRA shall provide that the Tax Attributes
subject to this TRA Agreement shall be senior in priority in all respects to any tax attributes subject to any such Future TRA
for purposes of calculating the amount and timing of payments under any such Future TRA. To the extent the Corporate Taxpayer or
its Subsidiaries (including OpCo and its Subsidiaries) incur, create, or assume any Senior Obligations after the date hereof, the
Corporate Taxpayer shall, and shall cause its Subsidiaries to, make reasonable efforts to ensure that such indebtedness permits
the amounts payable hereunder to be paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
5.2<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Late Payments
by the Corporate Taxpayer</U></B>. The amount of all or any portion of any Tax Benefit Payment or Early Termination Payment not
made to the TRA Parties when due under the terms of this TRA Agreement, whether as a result of Section 5.1 or otherwise, shall
be payable together with any interest thereon, computed at the Default Rate commencing from the Final Payment Date therefor accruing
to the date of actual payment; <U>provided</U>, that if the Corporate Taxpayer does not have sufficient funds to make the payment
as a result of limitations imposed by, or payment obligations in respect of, any Senior Obligations, interest shall instead be
computed at the Agreed Rate; <U>provided</U>, <U>further</U>, that if any unpaid portion of any Tax Benefit Payment is the subject
of a Reconciliation Dispute and is finally determined in such Reconciliation Dispute to be due and payable, then interest shall
accrue on such unpaid portion at the Default Rate (in place of the Agreed Rate) from the due date for the applicable Tax Benefit
Schedule until the date of actual payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
VI<FONT STYLE="text-transform: none"><BR>
NO DISPUTES; CONSISTENCY; COOPERATION</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
6.1<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Participation
in the Corporate Taxpayer&#8217;s and OpCo&#8217;s Tax Matters</U></B>. Except as otherwise provided in this TRA Agreement, the
Business Combination Agreement, or the Limited Liability Company Agreement, the Corporate Taxpayer shall have full responsibility
for, and sole discretion over, all tax matters concerning the Corporate Taxpayer and OpCo,</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">including the preparation, filing, or amending
of any Tax Return and defending, contesting, or settling any issue pertaining to Covered Taxes. Notwithstanding the foregoing,
the Corporate Taxpayer shall notify the TRA Party Representative in writing of the commencement of, and keep the TRA Party Representative
reasonably informed with respect to, the portion of any audit of the Corporate Taxpayer and OpCo or any of OpCo&#8217;s Subsidiaries
by a Taxing Authority the outcome of which would reasonably be expected to affect the rights and obligations of a TRA Party under
this TRA Agreement, including the Tax Benefit Payments payable to TRA Parties, and shall provide to the TRA Party Representative
reasonable opportunity (at the cost and expense of the TRA Parties) to participate in or provide information and other input to
the Corporate Taxpayer and OpCo and OpCo&#8217;s Subsidiaries and their respective advisors concerning the conduct of any such
portion of such audit; <U>provided</U>, <U>however</U>, that the Corporate Taxpayer and OpCo and OpCo&#8217;s Subsidiaries shall
not be required to take any action that is inconsistent with any provision of the Limited Liability Company Agreement or the Business
Combination Agreement; <U>provided</U>, <U>further</U>, that the Corporate Taxpayer shall not settle or fail to contest any issue
pertaining to any Basis Adjustments or the deduction of Imputed Interest (in each case, that is reasonable expected to materially
adversely affect the TRA Parties&#8217; rights and obligations under this TRA Agreement) without the prior written consent of the
TRA Party Representative, such consent not to be unreasonably withheld, conditioned, or delayed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
6.2<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Consistency</U></B>.
The Corporate Taxpayer and the TRA Parties agree to report and cause their respective controlled Affiliates to report for all purposes,
including U.S. federal, state, local and foreign tax purposes and financial reporting purposes, all tax-related items (including
the Basis Adjustments and each Tax Benefit Payment) in a manner consistent with that set forth in this TRA Agreement or specified
by the Corporate Taxpayer in any Schedule (or Amended Schedule, as applicable) provided by or on behalf of the Corporate Taxpayer
under this TRA Agreement that is final and binding on the parties unless otherwise required by applicable law. The Corporate Taxpayer
shall use commercially reasonable efforts, and shall use commercially reasonable efforts to cause OpCo and its other Subsidiaries,
(for the avoidance of doubt, taking into account the interests and entitlements of all TRA Parties under this TRA Agreement) to
defend the tax treatment contemplated by this TRA Agreement and any Schedule (or Amended Schedule, as applicable) in any audit,
contest, or similar proceeding with any Taxing Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
6.3<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Cooperation</U></B>.
Each of the TRA Parties shall (a) furnish to the Corporate Taxpayer in a timely manner such information, documents and other materials
as the Corporate Taxpayer may reasonably request for purposes of making any determination or computation necessary or appropriate
under this TRA Agreement, preparing any Tax Return or contesting or defending any audit, examination or controversy with any Taxing
Authority, (b) make itself available to the Corporate Taxpayer and its representatives to provide explanations of documents and
materials and such other information as the Corporate Taxpayer or its representatives may reasonably request in connection with
any of the matters described in clause (a) above, and (c) reasonably cooperate in connection with any such matter. OpCo shall reimburse
the TRA Parties for any reasonable and documented out-of-pocket costs and expenses incurred pursuant to this Section 6.3. Except
where otherwise expressly provided in this TRA Agreement, the Corporate Taxpayer shall not, and shall cause each of its Subsidiaries
not to, without the prior written consent of the TRA Party Representative, take any action that has the primary purpose of avoiding,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">reducing, or preventing the achievement
or attainment of any Tax Benefit Payment or Early Termination Payment under this TRA Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">ARTICLE
VII<FONT STYLE="text-transform: none"><BR>
MISCELLANEOUS</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.1<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Notices</U></B>.
All notices, demands and other communications to be given or delivered under this TRA Agreement shall be in writing and shall be
deemed to have been given (a) when personally delivered (or, if delivery is refused, upon presentment) or received by email (with
non-automated confirmation of receipt) prior to 5:00 p.m. eastern time on a Business Day and, if otherwise, on the next Business
Day, or (b) when delivered (or, if delivery is refused, upon presentment) by reputable overnight express courier (charges prepaid)
or certified or registered mail, postage prepaid and return receipt requested. Unless another address is specified in writing pursuant
to the provisions of this Section 7.1, notices, demands and other communications shall be sent to the addresses indicated below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 80%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; margin-left: 0.5in">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If to the Corporate Taxpayer, to:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">FG New America Acquisition Corp.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">105 S. Maple Street</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Itasca, IL 60143</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Attention: Larry G Swets, Jr.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">Email: lswets@itascafinancial.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">with a copy, in any case, to:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">White &amp; Case LLP</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">1221 Avenue of the Americas</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">New York NY 10020</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">Attention: Gary Silverman</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Elliott Smith</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">Email: gary.silverman@whitecase.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;elliott.smith@whitecase.com</P></TD></TR>
</TABLE>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 80%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; margin-left: 0.5in">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If to the TRA Party Representative, to:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Opportunity Financial, LLC</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">130 E. Randolph Street, Suite 3300</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Chicago, IL 60601</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Attention: Jared Kaplan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">Email: jkaplan@opploans.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">and</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">Schwartz Capital Group</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">One North Wacker Drive</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">Suite 3605</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">Chicago, IL 60606</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">Attention: Todd Schwartz &amp; David Vennettilli</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">Email: todd@schwartzcap.com &amp; dvennettilli@schwartzcap.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">with copies to:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">DLA Piper LLP (US)</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">200 S. Biscayne Boulevard, Suite 2500</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Miami, FL 33131</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Attention: Joshua M. Samek, Esq.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">Email: joshua.samek@dlapiper.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">and</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.1pt">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">Skadden, Arps, Slate, Meagher &amp; Flom LLP</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">525 University Avenue, Suite 1400</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">Palo Alto, CA 94301</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">Attention: Thomas J. Ivey, Esq.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 35.25pt">Email: thomas.ivey@skadden.com</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.2<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Counterparts</U></B>.
This TRA Agreement may be executed and delivered in one or more counterparts and by fax, email, or other electronic transmission,
each of which shall be deemed an original and all of which shall be considered one and the same agreement. No party shall raise
the use of a fax machine or email to deliver a signature or the fact that any signature or agreement or instrument was transmitted
or communicated through the use of a fax machine or email as a defense to the formation or enforceability of a contract and each
party forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.3<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Entire Agreement;
No Third Party Beneficiaries</U></B>. This TRA Agreement (together with all Exhibits and Schedules to this TRA Agreement), the
Business Combination Agreement (together with the Disclosure Letters and Exhibits thereto), the Limited Liability Company Agreement
and the other Ancillary Agreements contain the entire agreement and understanding among the parties with respect to the subject
matter hereof and thereof and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">supersede all prior agreements and understandings,
whether written or oral, relating to such subject matter in any way. Nothing in this TRA Agreement, express or implied, is intended
to or shall confer upon any other Person any right, benefit or remedy of any nature whatsoever under or by reason of this TRA Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.4<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Governing
Law</U></B>. The law of the State of Delaware shall govern (a) all claims or matters related to or arising from this TRA Agreement
(including any tort or non-contractual claims) and (b) any questions concerning the construction, interpretation, validity and
enforceability of this TRA Agreement, and the performance of the obligations imposed by this TRA Agreement, in each case without
giving effect to any choice-of-law or conflict-of-law rules or provisions (whether of the State of Delaware or any other jurisdiction)
that would cause the application of the law of any jurisdiction other than the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.5<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Severability</U></B>.
If any provision of this TRA Agreement is determined to be invalid, illegal, or unenforceable by any governmental entity, all other
provisions of this TRA Agreement shall nevertheless remain in full force and effect. Upon such determination that any provision
is invalid, illegal or unenforceable, the parties hereto shall negotiate in good faith to modify this TRA Agreement so as to effect
the original intent of the parties as closely as possible in an acceptable manner in order that the transactions contemplated hereby
are consummated as originally contemplated to the greatest extent possible.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.6<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Successors;
Assignment; Amendments; Waivers</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No TRA Party may assign all or any portion of its rights or obligations under this TRA Agreement to any Person without the
prior written approval of the Board, except that, to the extent that a TRA Party Transfers Class A Common Units to any of such
TRA Party&#8217;s Permitted Transferees in accordance with the terms of the Limited Liability Company Agreement, the Transferring
TRA Party shall have the option to assign, without the approval of the Board, to the Permitted Transferee of such Class A Common
Units the Transferring TRA Party&#8217;s rights and obligations under this TRA Agreement with respect to such Transferred Class
A Common Units. As a condition to any such assignment, each Transferee which is a Permitted Transferee or approved by the Board
shall execute and deliver a joinder to this TRA Agreement, in the form attached hereto as <B><U>Exhibit A</U></B>, agreeing to
become a TRA Party for all purposes of this TRA Agreement, except as otherwise provided in such joinder. If a TRA Party Transfers
Class A Common Units in accordance with the terms of the Limited Liability Company Agreement but does not assign to the Transferee
of such Class A Common Units its rights and obligations under this TRA Agreement with respect to such Transferred Class A Common
Units, (i) such TRA Party shall remain a TRA Party under this TRA Agreement for all purposes, including with respect to the receipt
of Tax Benefit Payments to the extent payable hereunder (including any Tax Benefit Payments in respect of the Exchanges of such
Transferred Class A Common Units by such Transferee), and (ii) the Transferee of such Class A Common Units shall not be a TRA Party.
The Corporate Taxpayer may not assign any of its rights or obligations under this TRA Agreement to any Person (other than in connection
with a Mandatory Assignment) without the prior written consent of the TRA Party Representative (not to be unreasonably withheld,
conditioned, or delayed). Any purported assignment in violation of the terms of this Section 7.6 shall be null and void. Notwithstanding
the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">foregoing, once an Exchange has
occurred, any and all payments that may become payable to a TRA Party pursuant to this TRA Agreement with respect to such Exchange
may be assigned to any Person or Persons, as long as any such Person has executed and delivered, or, in connection with such assignment,
executes and delivers, a joinder to this TRA Agreement, in form and substance reasonably satisfactory to the Corporate Taxpayer,
agreeing to be bound by Section&nbsp;7.12.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>No provision of this TRA Agreement may be amended unless such amendment is approved in writing by each of the Corporate
Taxpayer and by the TRA Parties who would be entitled to receive at least two-thirds of the total amount of the Early Termination
Payments payable to all TRA Parties under this TRA Agreement if the Corporate Taxpayer had exercised its right of early termination
on the date of the most recent Exchange prior to such amendment (excluding, for purposes of this sentence, all payments made to
any TRA Party pursuant to this TRA Agreement since the date of such most recent Exchange); <U>provided</U>, that no such amendment
shall be effective if such amendment will have a disproportionate effect on the payments one or more TRA Parties will be entitled
to receive under this TRA Agreement unless such amendment is consented to in writing by such TRA Parties disproportionately affected;
<U>provided</U>, <U>further</U>, that amendment of the definition of Change of Control will also require the written approval of
the TRA Party Representative and the TRA Disinterested Majority. No provision of this TRA Agreement may be waived unless such waiver
is in writing and signed by the TRA Parties who would be entitled to receive at least a majority of the total amount of the Early
Termination Payments payable to all TRA Parties under this TRA Agreement if the Corporate Taxpayer had exercised its right of early
termination on the date of the most recent Exchange prior to such amendment (excluding, for purposes of this sentence, all payments
made to any TRA Party pursuant to this TRA Agreement since the date of such most recent Exchange).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Except as otherwise specifically provided herein, all of the terms and provisions of this TRA Agreement shall be binding
upon, shall inure to the benefit of and shall be enforceable by the parties hereto and their respective successors, permitted assigns,
heirs, executors, administrators and legal representatives. The Corporate Taxpayer shall require and cause any direct or indirect
successor (whether by purchase, merger, consolidation, or otherwise) to all or substantially all of the business or assets of the
Corporate Taxpayer, whether in a Change of Control or otherwise, to, by written agreement, expressly assume and agree to perform
this TRA Agreement in the same manner and to the same extent that the Corporate Taxpayer would be required to perform if no such
succession had taken place (any such assignment, a &#8220;<B><U>Mandatory Assignment</U></B>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.7<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Interpretation</U></B>.
The headings and captions used in this TRA Agreement and the table of contents to this TRA Agreement are for reference purposes
only and shall not affect in any way the meaning or interpretation of this TRA Agreement. Any capitalized terms used in any Schedule
or Exhibit attached hereto and not otherwise defined therein shall have the meanings set forth in this TRA Agreement. The use of
the word &#8220;including&#8221; herein shall mean &#8220;including without limitation.&#8221; The words &#8220;hereof,&#8221;
 &#8220;herein,&#8221; and &#8220;hereunder&#8221; and words of similar import, when used in this TRA Agreement, shall refer to
this TRA Agreement as a whole and not to any particular provision of this TRA Agreement. References herein to the Preamble or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">to a specific Section, Subsection, Recital,
Clause, Schedule or Exhibit shall refer, respectively, to the Preamble, Sections, Subsections, Recitals, Clauses, Schedules or
Exhibits of this TRA Agreement. Terms defined in the singular shall have a comparable meaning when used in the plural, and vice
versa. References herein to any gender shall include each other gender. The word &#8220;or&#8221; shall not be exclusive unless
the context clearly requires the selection of one (1) (but not more than one (1)) of a number of items. References to &#8220;written&#8221;
or &#8220;in writing&#8221; include in electronic form. References herein to any Person shall include such Person&#8217;s heirs,
executors, personal representatives, administrators, successors and permitted assigns; provided, however, that nothing contained
in this Section 7.7 is intended to authorize any assignment or transfer not otherwise permitted by this TRA Agreement. References
herein to a Person in a particular capacity or capacities shall exclude such Person in any other capacity. Any reference to &#8220;days&#8221;
shall mean calendar days unless Business Days are expressly specified; provided that if any action is required to be done or taken
on a day that is not a Business Day, then such action shall be required to be done or taken not on such day but on the first succeeding
Business Day thereafter. References herein to any contract or agreement (including this TRA Agreement) mean such contract or agreement
as amended, restated, supplemented or modified from time to time in accordance with the terms thereof. With respect to the determination
of any period of time, the word &#8220;from&#8221; means &#8220;from and including&#8221; and the words &#8220;to&#8221; and &#8220;until&#8221;
each means &#8220;to but excluding.&#8221; References herein to any law shall be deemed also to refer to such law, as amended (and
any successor laws), and all rules and regulations promulgated thereunder. The word &#8220;extent&#8221; in the phrase &#8220;to
the extent&#8221; (or similar phrases) shall mean the degree to which a subject or other thing extends, and such phrase shall not
mean simply &#8220;if.&#8221; Except where otherwise expressly provided, all amounts in this TRA Agreement are stated and shall
be paid in U.S. dollars. The parties to this TRA Agreement and their respective counsel have reviewed and negotiated this TRA Agreement
as the joint agreement and understanding of such parties, and the language used in this TRA Agreement shall be deemed to be the
language chosen by such parties to express their mutual intent, and no rule of strict construction shall be applied against any
Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.8<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Waiver of
Jury Trial; Jurisdiction</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>EACH PARTY TO THIS TRA AGREEMENT HEREBY IRREVOCABLY WAIVES ALL RIGHTS TO TRIAL BY JURY IN ANY PROCEEDING BROUGHT TO RESOLVE
ANY DISPUTE BETWEEN OR AMONG ANY OF THE PARTIES (WHETHER ARISING IN CONTRACT, TORT OR OTHERWISE) ARISING OUT OF, CONNECTED WITH,
RELATED OR INCIDENTAL TO THIS TRA AGREEMENT, THE TRANSACTIONS CONTEMPLATED BY THIS TRA AGREEMENT AND/OR THE RELATIONSHIPS ESTABLISHED
AMONG THE PARTIES HEREUNDER. THE PARTIES HERETO FURTHER WARRANT AND REPRESENT THAT EACH HAS REVIEWED THIS WAIVER WITH ITS LEGAL
COUNSEL, AND THAT EACH KNOWINGLY AND VOLUNTARILY WAIVES ITS JURY TRIAL RIGHTS FOLLOWING CONSULTATION WITH LEGAL COUNSEL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to Section&nbsp;7.9, each of the parties hereto submits to the exclusive jurisdiction of first, the Chancery Court
of the State of Delaware or if such court declines jurisdiction, then to the Federal District Court for the District of Delaware,
in any action, suit or proceeding arising out of or relating to this TRA Agreement, agrees that all claims</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">in respect of such action, suit
or proceeding shall be heard and determined in any such court and agrees not to bring any action, suit or proceeding arising out
of or relating to this TRA Agreement in any other courts. Nothing in this Section 7.8, however, shall affect the right of any party
to serve legal process in any other manner permitted by law or at equity. Each party hereto agrees that a final judgment in any
action, suit or proceeding so brought shall be conclusive and may be enforced by suit on the judgment or in any other manner provided
by law or at equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.9<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Reconciliation</U></B>.
In the event that the Corporate Taxpayer and the TRA Party Representative are unable to resolve a disagreement with respect to
the calculation of amounts owed pursuant to this TRA Agreement within the relevant period designated in this TRA Agreement (&#8220;<B><U>Reconciliation
Dispute</U></B>&#8221;), the Reconciliation Dispute shall be submitted for determination to a nationally recognized expert in the
particular area of disagreement, acting as an expert and not as an arbitrator (the &#8220;<B><U>Expert</U></B>&#8221;), mutually
acceptable to the Corporate Taxpayer and the TRA Party Representative. The Expert shall be a partner or principal of an Advisory
Firm, and unless the Corporate Taxpayer and the TRA Party Representative each agree in writing otherwise, the Expert shall not,
and the firm that employs the Expert shall not, have any material relationship with any party to this TRA Agreement or any Affiliate
of any such parties or any other actual or potential conflict of interest. If the Corporate Taxpayer and the TRA Party Representative
are unable to agree on an Expert within fifteen (15) calendar days of receipt by the respondent(s) of written notice of a Reconciliation
Dispute, then the Corporate Taxpayer and the TRA Party Representative shall cause the Expert to be selected by the International
Chamber of Commerce Centre for Expertise (the &#8220;<B><U>ICC</U></B>&#8221;) in accordance with the criteria set forth above
in this Section 7.9. The Expert shall resolve any matter relating to the Basis Schedule or an amendment thereto or the Early Termination
Schedule or an amendment thereto within thirty (30) calendar days and shall resolve any matter relating to a Tax Benefit Schedule
or an amendment thereto within fifteen (15) calendar days or, in each case, as soon thereafter as is reasonably practicable, in
each case after the matter has been submitted to the Expert for resolution. Notwithstanding the preceding sentence, if the matter
is not resolved before any payment that is the subject of a disagreement would be due (in the absence of such disagreement) or
any Tax Return reflecting the subject of a disagreement is due, the undisputed amount shall be paid on the date prescribed by this
TRA Agreement and such Tax Return may be filed as prepared by the Corporate Taxpayer, subject to adjustment or amendment upon resolution.
The sum of (a) the costs and expenses relating to (i) the engagement (and, if applicable, selection by the ICC) of such Expert
and (ii) if applicable, amending any Tax Return in connection with the decision of such Expert and (b) the reasonable out-of-pocket
costs and expenses of the Corporate Taxpayer and the TRA Party Representative incurred in the conduct of such proceeding shall
be allocated between the Corporate Taxpayer, on the one hand, and the TRA Parties, on the other hand, in the same proportion that
the aggregate amount of the disputed items so submitted to the Expert that is unsuccessfully disputed by each such party (as finally
determined by the Expert) bears to the total amount of such disputed items so submitted, and each such party shall promptly reimburse
the other party for the excess that such other party has paid in respect of such costs and expenses over the amount it has been
so allocated (such sharing of costs described in (a) and (b), the &#8220;Reconciliation Cost Sharing Method&#8221;). The Corporate
Taxpayer may withhold payments under this TRA Agreement to collect amounts due under the preceding sentence. Any dispute as to
whether a dispute is a Reconciliation Dispute within the meaning of this Section 7.9 shall be decided by the Expert. The Expert
shall finally determine any Reconciliation Dispute and the determinations of the Expert pursuant to this Section&nbsp;7.9 shall
be</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">binding on the Corporate Taxpayer and each
of the TRA Parties and may be entered and enforced in any court having jurisdiction. Except as otherwise provided herein (such
as with respect to the Reconciliation Cost Sharing Method) , in the event that any suit, claim, action or other proceeding is instituted
under or in relation to this TRA Agreement, including without limitation to enforce any provision in this TRA Agreement, the prevailing
party in such dispute shall be entitled to recover from the losing party all fees, costs and expenses of enforcing any right of
such prevailing party under or with respect to this TRA Agreement, including without limitation, such reasonable fees and expenses
of attorneys and accountants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.10<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Withholding</U></B>. The Corporate
Taxpayer shall be entitled to deduct and withhold from any payment payable pursuant to this TRA Agreement such amounts as the Corporate
Taxpayer is required to deduct and withhold with respect to the making of such payment under the Code or any provision of state,
local, foreign or other tax law; provided, however, that the Corporate Taxpayer shall use commercially reasonable efforts to notify
and shall reasonably cooperate with the applicable TRA Party prior to the making of such deductions and withholding payments to
determine whether any such deductions or withholding payments (other than any deduction or withholding required by reason of such
TRA Party&#8217;s failure to comply with the last sentence of this Section 7.10) are required under applicable law and in obtaining
any available exemption or reduction of, or otherwise minimizing to the extent permitted by applicable law, such deduction and
withholding. To the extent that amounts are so withheld and paid over to the appropriate Taxing Authority by the Corporate Taxpayer,
such withheld amounts shall be treated for all purposes of this TRA Agreement as having been paid to the Person in respect of whom
such withholding was made. Each TRA Party shall promptly provide the Corporate Taxpayer, OpCo, or other applicable withholding
agent with any applicable tax forms and certifications (including IRS Form W-9 or the applicable version of IRS Form W-8) upon
reasonable request and shall promptly provide an update of any such tax form or certificate previously delivered if the same has
become incorrect or has expired.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.11<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Admission of the Corporate Taxpayer
into a Consolidated Group; Transfers of Corporate Assets</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If the Corporate Taxpayer is or becomes a member of an affiliated, consolidated, combined or unitary group of corporations
that files a consolidated, combined or unitary income Tax Return pursuant to Sections 1501 et seq. of the Code or any corresponding
provisions of U.S. state, local or foreign tax law, then: (i) the provisions of this TRA Agreement shall be applied with respect
to the group as a whole; and (ii) Tax Benefit Payments, Early Termination Payments and other applicable items hereunder shall be
computed with reference to the affiliated, consolidated, combined or unitary taxable income of the group as a whole.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If any Person the income of which is included in the income of the Corporate Taxpayer or the Corporate Taxpayer&#8217;s
affiliated, consolidated combined or unitary group transfers one or more assets to a corporation (or a Person classified as a corporation
for U.S. federal income tax purposes) with which such entity does not file a consolidated Tax Return pursuant to Section 1501 of
the Code or any corresponding provisions of U.S. state, local or foreign tax law, such entity, for purposes of calculating the
amount of any Tax Benefit Payment or Early Termination Payment due hereunder,</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">shall be treated as having disposed
of such asset in a fully taxable transaction on the date of such contribution. The consideration deemed to be received in a transaction
contemplated in the prior sentence shall be equal to the fair market value of the deemed transferred asset, plus (i) the amount
of debt to which such asset is subject, in the case of a transfer of an encumbered asset or (ii) the amount of debt allocated to
such asset, in the case of a transfer of a partnership interest. The transactions described in this Section 7.11(b) shall be taken
into account in determining the Realized Tax Benefit or Realized Tax Detriment, as applicable, for such Taxable Year based on the
income, gain or loss deemed allocated to the Corporate Taxpayer using the Non-Adjusted Tax Basis of the Referenced Assets in calculating
its Hypothetical Tax Liability for such Taxable Year and using the actual tax basis of the Reference Assets in calculating its
Actual Tax Liability, determined using the &#8220;with and without&#8221; methodology. Thus, for example, in determining the Hypothetical
Tax Liability of the Corporate Taxpayer the taxable income of the Corporate Taxpayer shall be determined by treating OpCo as having
sold the applicable Reference Asset for its fair market value, recovering any basis applicable to such Reference Asset (using the
Non-Adjusted Tax Basis), while the Actual Tax Liability of the Corporate Taxpayer would be determined by recovering the actual
tax basis of the Reference Asset that reflects any Basis Adjustments. For purposes of this Section 7.11, a transfer of a partnership
interest shall be treated as a transfer of the transferring partner&#8217;s share of each of the assets and liabilities of that
partnership. Notwithstanding the foregoing, after the occurrence of any such transfer as described in the first sentence of this
Section 7.11(b), if the Corporate Taxpayer takes actions to ensure that the amount to be received by the TRA Parties hereunder
and the timing thereof, taking into account such actions (which actions may, at the election of the Corporate Taxpayer, include
the payment of an additional amount to a TRA Party), would be the same amount and timing as if such transfer described in the first
sentence of Section 7.11(b) did not occur then this Section 7.11(b) shall not apply with respect to such transfer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.12<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>Confidentiality</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Subject to Section 6.3, each TRA Party acknowledges and agrees that the information of the Corporate Taxpayer is confidential
and, except in the course of performing any duties as necessary for the Corporate Taxpayer and its Affiliates, as required by law
or legal process or to enforce the terms of this TRA Agreement in good faith, such person shall keep and retain in confidence and
not disclose to any Person any confidential matters of the Corporate Taxpayer and its Affiliates and successors or concerning OpCo
and its Affiliates and successors learned by the TRA Party pursuant to this TRA Agreement. This Section 7.12 shall not apply to
(i) any information that has been made public by the Corporate Taxpayer or any of its Affiliates or becomes public knowledge (except
as a result of an act of the TRA Party in violation of this TRA Agreement or any other agreement) and (ii) the disclosure of information
to the extent reasonably necessary for the TRA Party to prepare and file its Tax Returns, to respond to any inquiries regarding
the same from any Taxing Authority, or to prosecute or defend any material action, proceeding or audit by any Taxing Authority
with respect to such returns. Notwithstanding anything to the contrary in this TRA Agreement, to the extent required by applicable
law or to the extent reasonably necessary for the TRA Party to comply with any applicable reportable transaction requirements under
applicable law, each TRA Party (and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">each employee, representative
or other agent of the TRA Party, as applicable) may disclose the tax treatment and tax structure of the Corporate Taxpayer, OpCo
and their Affiliates, and any of their transactions, and all materials of any kind (including opinions or other tax analyses) that
are provided to the TRA Party relating to such tax treatment and tax structure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If a TRA Party breaches any of the provisions of this Section&nbsp;7.12, the Corporate Taxpayer shall have the right to
seek to have the provisions of this Section 7.12 specifically enforced by injunctive relief by any court of competent jurisdiction
without the need to post any bond or other security, it being acknowledged and agreed that any such breach shall cause irreparable
injury to the Corporate Taxpayer or any of its Affiliates and that money damages alone shall not provide an adequate remedy to
such Persons. Such rights and remedies shall be in addition to, and not in lieu of, any other rights and remedies available at
law or in equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>In no event shall this Section 7.12 limit any obligation of any party under the Limited Liability Company Agreement, the
Business Combination Agreement, or any other Ancillary Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Section
7.13<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></FONT><B><U>TRA Party Representative</U></B>.
By executing this TRA Agreement, each of the TRA Parties shall be deemed to have irrevocably appointed the TRA Party Representative
as its agent and attorney in fact with full power of substitution to act from and after the date hereof and to do any and all things
and execute any and all documents on behalf of such TRA Parties which may be necessary, convenient or appropriate to facilitate
any matters under this TRA Agreement, including: (i) execution of the documents and certificates required pursuant to this TRA
Agreement; (ii) except to the extent provided in this TRA Agreement, receipt and forwarding of notices and communications pursuant
to this TRA Agreement; (iii) administration of the provisions of this TRA Agreement; (iv) any and all consents, waivers, amendments
or modifications deemed by the TRA Party Representative to be necessary or appropriate under this TRA Agreement and the execution
or delivery of any documents that may be necessary or appropriate in connection therewith; (v) taking actions the TRA Party Representative
is authorized to take pursuant to the other provisions of this TRA Agreement; (vi) negotiating and compromising, on behalf of such
TRA Parties, any dispute that may arise under, and exercising or refraining from exercising any remedies available under, this
TRA Agreement and executing, on behalf of such TRA Parties, any settlement agreement, release or other document with respect to
such dispute or remedy; and (vii) engaging attorneys, accountants, agents or consultants on behalf of such TRA Parties in connection
with this TRA Agreement and paying any fees related thereto on behalf of such TRA Parties, subject to reimbursement by such TRA
Parties. The TRA Parties shall promptly reimburse the TRA Party Representative for all reasonable costs and expenses incurred in
connection with the TRA Party Representative performing its duties hereunder. The TRA Party Representative may resign upon thirty
(30) days&#8217; written notice to the Corporate Taxpayer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Signature Pages Follow]</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">IN WITNESS WHEREOF,
each of the undersigned has caused this TRA Agreement to be duly executed as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>CORPORATE TAXPAYER</U></B>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">FG NEW AMERICA ACQUISITION CORP.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;<U>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name:&#9;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Title:&#9;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>[Signature Page to Tax Receivable Agreement]</I></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">IN WITNESS WHEREOF,
each of the undersigned has caused this TRA Agreement to be duly executed as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>OPCO</U></B>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">OPPORTUNITY FINANCIAL, LLC</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">By:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;<U>&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name:&#9;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Title:&#9;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>[Signature Page to Tax Receivable Agreement]</I></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">IN WITNESS WHEREOF,
each of the undersigned has caused this TRA Agreement to be duly executed as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>TRA PARTY REPRESENTATIVE</U></B>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">__________________________________</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name:&nbsp;&nbsp;Todd Schwartz</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>[Signature Page to Tax Receivable Agreement]</I></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">IN WITNESS WHEREOF,
each of the undersigned has caused this TRA Agreement to be duly executed as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; padding-right: 5.75pt; padding-left: 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>TRA PARTY</U></B>:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">__________________________________</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name:&nbsp;[&#9679;]</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>[Signature Page to Tax Receivable Agreement]</I></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Exhibit A</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM OF JOINDER</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Joinder (this
 &#8220;<U>Joinder</U>&#8221;) to the Tax Receivable Agreement, made as of <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>,
is between&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>(&#8220;<U>Transferor</U>&#8221;)
and <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;(&#8220;<U>Transferee</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, Transferor
is a party to that certain Tax Receivable Agreement (the &#8220;<U>Tax Receivable Agreement</U>&#8221;), dated as of [&#9679;],
2021, among OppFi, Inc., a Delaware corporation, (the &#8220;<U>Corporate Taxpayer</U>&#8221;), Opportunity Financial, LLC, a Delaware
limited liability company (&#8220;<U>OpCo</U>&#8221;), each of the members of OpCo listed on Schedule 1 thereto (each such member,
a &#8220;<U>TRA Party</U>&#8221; and together the &#8220;<U>TRA Parties</U>&#8221;), and Todd Schwartz, in his capacity as the
TRA Party Representative (as defined in the Tax Receivable Agreement); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, Transferee
is required, at the time of and as a condition to the assignment by Transferor to Transferee of all or any portion of Transferor&#8217;s
rights or obligations under the Tax Receivable Agreement, to become a party to the Tax Receivable Agreement by executing and delivering
this Joinder, whereupon such Transferee will be treated as a Party (with the same rights and obligations as the Transferor) for
all purposes of the Tax Receivable Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW, THEREFORE</B>,
in consideration of the foregoing and the respective covenants and agreements set forth herein, and intending to be legally bound
hereby, the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Definitions</U>.
To the extent capitalized words used in this Joinder are not defined in this Joinder, such words shall have the respective meanings
set forth in the Tax Receivable Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Acquisition</U>.
Transferor hereby assigns to Transferee all of Transferor&#8217;s rights or obligations under the Tax Receivable Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Joinder</U>. Transferee
hereby acknowledges and agrees that (a)&nbsp;such Transferee has received and read the Tax Receivable Agreement, (b)&nbsp;such
Transferee accepts such assignment in accordance with and subject to the terms and conditions of the Tax Receivable Agreement and
(c)&nbsp;such Transferee will be treated as a Party (with the same rights and obligations as the Transferor) for all purposes of
the Tax Receivable Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Notice</U>. Any
notice, demand or other communication under the Tax Receivable Agreement to Transferee shall be given to Transferee at the address
set forth on the signature page hereto in accordance with&nbsp;<U>Section&nbsp;7.1</U>&nbsp;of the Tax Receivable Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Governing Law</U>.
This Joinder shall be governed by and construed in accordance with the Law of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Counterparts; Electronic
Delivery</U>. This Joinder may be executed and delivered in one or more counterparts, by fax, email or other electronic transmission,
each of which shall be deemed an original and all of which shall be considered one and the same agreement. The words &#8220;execution,&#8221;
 &#8220;signed,&#8221; &#8220;signature,&#8221; &#8220;delivery,&#8221; and words of like import in or relating to this</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Exhibit A to Tax Receivable Agreement]</I></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Joinder or any document to be signed in
connection with this Joinder shall be deemed to include electronic signatures, deliveries or the keeping of records in electronic
form, each of which shall be of the same legal effect, validity or enforceability as a manually executed signature, physical delivery
thereof or the use of a paper-based recordkeeping system, as the case may be, and the parties hereto consent to conduct the transactions
contemplated hereunder by electronic means.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page Follows]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I></I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Exhibit A to Tax Receivable Agreement]</I></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>, this Joinder
has been duly executed and delivered by the parties as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 5pt; text-align: left"><B><U>TRANSFEROR:</U></B></TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left; width: 50%">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left; width: 6%"><B>By:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left; width: 34%">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left; width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>Name:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>Title:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 5pt; text-align: left"><B><U>TRANSFEREE:</U></B></TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>By:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>Name:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>Title:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 5pt; text-align: left">Address for notices:</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT F</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>INVESTOR RIGHTS AGREEMENT</U></B><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>1</SUP></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>THIS INVESTOR RIGHTS
AGREEMENT</B> (as it may be amended, supplemented or restated from time to time in accordance with the terms of this Investor Rights
Agreement, the &#8220;<U>Investor Rights Agreement</U>&#8221;), dated as of [&#9679;], 2021 (the &#8220;<U>Effective Date</U>&#8221;),
is made by and among (i) OppFi, Inc. (formerly FG New America Acquisition Corp.), a Delaware corporation (&#8220;<U>PubCo</U>&#8221;
or the &#8220;<U>Company</U>&#8221;); (ii) each of the parties listed on&nbsp;<U>Schedule 1</U>&nbsp;attached hereto (each, a &#8220;<U>Member</U>&#8221;
and collectively, the &#8220;<U>Members</U>&#8221;); (iii) Todd Schwartz in his capacity as the Members&#8217; Representative hereunder
(the &#8220;<U>Members&#8217; Representative</U>&#8221;); (iv) FG New America Investors LLC, a Delaware limited liability company
(the &#8220;<U>Sponsor</U>&#8221;); (v) Larry G. Swets, Jr., D. Kyle Cerminara, Hassan R. Baqar, Joseph Moglia, Nicholas Spencer
Rudd, Robert Christopher Weeks <FONT STYLE="background-color: white">(together with the Sponsor, </FONT>the &#8220;<U>Founder Holders</U>&#8221;
and each, a &#8220;<U>Founder Holder</U>&#8221;) and (vi) Piper Sandler &amp; Co. and ThinkEquity, a division of Fordham Financial
Management, Inc. (collectively, the &#8220;<U>Underwriter Holders</U>&#8221;). Each of PubCo, the Members, the Members&#8217; Representative,
each Founder Holder and each of the Underwriter Holders may be referred to herein as a &#8220;<U>Party</U>&#8221; and collectively
as the &#8220;<U>Parties</U>&#8221;. Capitalized terms used but not otherwise defined herein shall have the respective meanings
set forth in the BCA (as defined below).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>RECITALS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, PubCo
has entered into that certain Business Combination Agreement, dated as of February 9, 2021, by and among PubCo, Opportunity Financial,
LLC, a Delaware limited liability company (the &#8220;<U>Operating Company</U>&#8221;), and the Members&#8217; Representative (as
may be amended, restated, amended and restated, modified or supplemented from time to time in accordance with the terms of such
agreement, the &#8220;<U>BCA</U>&#8221;), in connection with the business combination (the &#8220;<U>Business Combination</U>&#8221;)
contemplated by the BCA;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, pursuant
to the BCA, at the Closing, in exchange for the Company Enterprise Value, the Members, in the aggregate, retained the Retained
Company Units (including the Earnout Company Units) and PubCo issued to the Members an aggregate number of shares of Buyer Class&nbsp;V
Voting Stock (including the Earnout Voting Shares) equal to the number of Retained Company Units;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, simultaneously
with the Closing, the Members amended and restated the Operating Company&#8217;s LLCA by adopting the Third Amended and Restated
Limited Liability Company Agreement of the Operating Company (the &#8220;<U>Operating Company A&amp;R LLCA</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, (i)&nbsp;the
Earnout Company Units will be earned by the Members upon the satisfaction of the conditions set forth in the BCA (the &#8220;<U>Earned
Earnout&nbsp;Company Units</U>&#8221;), and (ii)&nbsp;the Earnout Voting Shares will be earned by the Members upon the satisfaction
of the conditions set forth in the BCA (the &#8220;<U>Earned Earnout&nbsp;Voting Shares</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, each
of the Members has the right to exchange Retained Company Units (including the Earned Earnout Company Units), and cancel an equal
number of shares of Buyer Class&nbsp;V Voting Stock, for shares of Buyer Class&nbsp;A Common Stock in the manner set forth in,
and pursuant to the terms and conditions of, the Operating Company A&amp;R LLCA;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, pursuant
to the terms and conditions of the amended and restated certificate of incorporation of Buyer, in connection with the Closing,
all then-outstanding shares of Class B Common Stock (as herein defined) converted into shares of Buyer Class A Common Stock (after
giving effect to the Amended Sponsor Letter (as herein defined)) on a one-for-one basis (the &#8220;<U>Class B Common Stock Conversion</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"></P>

<!-- Field: Rule-Page --><DIV STYLE="width: 2in"><DIV STYLE="border-top: Black 1pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"></P>




<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>1</SUP></FONT></TD><TD>Members, the Members&#8217; Representative, the Founder Holders and the Buyer</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, PubCo,
the Founder Holders and the Underwriter Holders entered into that certain Registration Rights Agreement, dated as of September
29, 2020 (the &#8220;<U>Original RRA</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, in
connection with the execution of this Investor Rights Agreement, PubCo, the Founder Holders and the Underwriter Holders desire
to terminate the Original RRA and replace it with this Investor Rights Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, on
the Effective Date, the Parties desire to set forth their agreement with respect to governance, registration rights and certain
other matters, in each case in accordance with the terms and conditions of this Investor Rights Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW, THEREFORE</B>,
in consideration of the mutual covenants and agreements contained in this Investor Rights Agreement, and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, and intending to be legally bound, the Parties hereby
agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">Article
I<FONT STYLE="font-size: 10pt"><BR>
DEFINITIONS</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
1.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Definitions</U></FONT><FONT STYLE="font-size: 10pt">.
As used in this Investor Rights Agreement, the following terms shall have the following meanings:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Adverse Disclosure</U>&#8221;
means any public disclosure of material&nbsp;non-public&nbsp;information, which disclosure, in the good faith determination of
the Board, after consultation with counsel to PubCo, (a)&nbsp;would be required to be made in any Registration Statement or Prospectus
in order for the applicable Registration Statement or Prospectus not to contain any untrue statement of a material fact or omit
to state a material fact necessary to make the statements contained therein (in the case of any Prospectus and any preliminary
Prospectus, in the light of the circumstances under which they were made) not misleading, (b)&nbsp;would not be required to be
made at such time if the Registration Statement were not being filed, and (c)&nbsp;PubCo has a&nbsp;<I>bona fide</I>&nbsp;business
purpose for not making such information public.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Affiliate</U>&#8221;
of any particular Person means any other Person controlling, controlled by or under common control with such Person, where &#8220;control&#8221;
means the possession, directly or indirectly, of the power to direct the management and policies of a Person whether through the
ownership of voting securities, its capacity as a sole or managing member or otherwise;&nbsp;provided&nbsp;that no Party shall
be deemed an Affiliate of PubCo or any of its Subsidiaries for purposes of this Investor Rights Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Amended Sponsor
Letter</U>&#8221; means that certain Letter Agreement, dated as of [&#9679;], 2021, by and among PubCo, the Founder Holders, the
Member&#8217;s Representative and the Operating Company, as the same may be amended, modified, supplemented or waived from time
to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Automatic
Shelf Registration Statement</U>&#8221; has the meaning set forth in Rule 405 promulgated by the SEC pursuant to the Securities
Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>BCA</U>&#8221;
has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Beneficially
Own</U>&#8221; has the meaning set forth in Rule&nbsp;13d-3&nbsp;promulgated under the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Board</U>&#8221;
means the board of directors of PubCo.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Business
Combination</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Business
Day</U>&#8221; means any day except a Saturday, a Sunday or any other day on which commercial banks are required or authorized
to close in the State of New York.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Bylaws</U>&#8221;
means the Amended and Restated Bylaws of Buyer, as the same may be amended or amended and restated from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Certificate
of Incorporation</U>&#8221; means the Second Amended and Restated Certificate of Incorporation of Buyer, as the same may be amended
or amended and restated from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Class&nbsp;A
Common Stock</U>&#8221; means, the Class&nbsp;A common stock, par value $0.0001 per share, of PubCo, including (a)&nbsp;any shares
of such Class&nbsp;A common stock issuable upon the exercise of any warrant or other right to acquire shares of such Class&nbsp;A
common stock, (b) any shares of such Class&nbsp;A common stock issued pursuant to the Class B Common Stock Conversion, and (c)&nbsp;any
Equity Securities of PubCo that are issued or distributed or may be issuable with respect to such Class&nbsp;A common stock by
way of conversion, dividend, stock split or other distribution, consolidation, merger, exchange, reclassification, recapitalization
or other similar transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Class A Common
Units</U>&#8221; means Class A Common Units (as defined in the Operating Company A&amp;R LLCA) owned by one or more of the Members
or any of their Permitted Transferees, including Retained Company Units and Earned Earnout Company Units.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Class&nbsp;B
Common Stock</U>&#8221; means, the Class&nbsp;B common stock, par value $0.0001 per share, of PubCo, all of the outstanding shares
of which were converted into shares of Class A Common Stock in connection with the Closing of the BCA pursuant to the Class B Common
Stock Conversion. Shares of the Class B Common Stock may also be referred to as the &#8220;<U>Founders Shares</U>.&#8221;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&quot;Class B Common
Stock Conversion&quot; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Class&nbsp;V
Voting Stock</U>&#8221; means, the Class&nbsp;V common stock, par value $0.0001 per share, of PubCo, including (a)&nbsp;any shares
of such Class&nbsp;V common stock issuable upon the exercise of any warrant or other right to acquire shares of such Class&nbsp;V
common stock and (b)&nbsp;any Equity Securities of PubCo that are issued or distributed or may be issuable with respect to such
Class&nbsp;V common stock by way of conversion, dividend, stock split or other distribution, consolidation, merger, exchange, reclassification,
recapitalization or other similar transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Common Stock</U>&#8221;
means shares of the Class&nbsp;A Common Stock and the Class&nbsp;V Voting Stock, including any shares of the Class&nbsp;A Common
Stock and the Class&nbsp;V Voting Stock issuable upon the exercise of any warrant or other right to acquire shares of the Class&nbsp;A
Common Stock and the Class&nbsp;V Voting Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Operating
Company A&amp;R LLCA</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Confidential
Information</U>&#8221; has the meaning set forth in&nbsp;<U>Section 2.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Controlled
Company Eligible</U>&#8221; means qualifying as a controlled company under applicable rules of the securities exchange on which
PubCo&#8217;s Equity Securities are listed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Controlled
Entity</U>&#8221; means, as to any Person, (a)&nbsp;any corporation more than fifty percent (50%) of the outstanding voting stock
of which is Beneficially Owned by such Person or such Person&#8217;s Family Members, or either of their Affiliates, (b)&nbsp;any
trust, whether or not revocable, of which such Person or such Person&#8217;s Family Members or Affiliates are the sole beneficiaries,
(c)&nbsp;any partnership of which such Person or an Affiliate of such Person is the managing or general partner or in which such
Person or such Person&#8217;s Family Members or Affiliates hold partnership interests representing at least fifty percent (50%)
of such partnership&#8217;s capital and profits, and (d)&nbsp;any limited liability company of which such Person or an Affiliate
of such Person is the manager or managing member or in which such Person or such Person&#8217;s Family Members or Affiliates hold
membership interests representing at least fifty percent (50%) of such limited liability company&#8217;s capital and profits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Demanding
Holders</U>&#8221; has the meaning set forth in&nbsp;<U>Section 3.1(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Effective
Date</U>&#8221; has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Equity Securities</U>&#8221;
means, with respect to any Person, all of the shares of capital stock or equity of (or other ownership or profit interests in)
such Person, all of the warrants, options or other rights for the purchase or acquisition from such Person of shares of capital
stock or equity of (or other ownership or profit interests in) such Person, all of the securities convertible into or exchangeable
for shares of capital stock or equity of (or other ownership or profit interests in) such Person or warrants, rights or options
for the purchase or acquisition from such Person of such shares or equity (or such other interests), restricted stock awards, restricted
stock units, equity appreciation rights, phantom equity rights, profit participation and all of the other ownership or profit interests
of such Person (including partnership or member interests therein), whether voting or nonvoting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Exchange
Act</U>&#8221; means the Securities Exchange Act of 1934, as amended, and any successor thereto, as the same shall be in effect
from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Family Member</U>&#8221;
means with respect to any Person, such Person&#8217;s spouse, ancestors, descendants (whether by blood, marriage or adoption) or
spouse of a descendant of such Person, brothers and sisters (whether by blood, marriage or adoption) and inter vivos or testamentary
trusts of which only such Person and his spouse, ancestors, descendants (whether by blood, marriage or adoption), brothers and
sisters (whether by blood, marriage or adoption) are beneficiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>FINRA</U>&#8221;
means the Financial Industry Regulatory Authority, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Form&nbsp;S-1&nbsp;Shelf</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 3.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Form&nbsp;S-3&nbsp;Shelf</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 3.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Founder Holder</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Founder Holder&nbsp;Lock-Up&nbsp;Period</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 4.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Holder</U>&#8221;
means any holder of Registrable Securities who is a Party to, or who succeeds to rights under, this Investor Rights Agreement pursuant
to&nbsp;<U>Section 5.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Holder Information</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 3.10(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Investor
Rights Agreement</U>&#8221; has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Lock-Up&nbsp;Period</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 4.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Lock-Up&nbsp;Shares</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 4.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Maximum Number
of Securities</U>&#8221; has the meaning set forth in&nbsp;<U>Section 3.1(d)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Member Director</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 2.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Members</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Member&nbsp;Lock-Up&nbsp;Period</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 4.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Members&#8217;
Representative</U>&#8221; has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Minimum Takedown
Threshold</U>&#8221; has the meaning set forth in&nbsp;<U>Section 3.1(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Misstatement</U>&#8221;
means an untrue statement of a material fact or an omission to state a material fact required to be stated in a Registration Statement
or Prospectus, or necessary to make the statements in a Registration Statement or Prospectus, in the light of the circumstances
under which they were made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Moglia&nbsp;Lock-Up&nbsp;Period</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 4.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Necessary
Action</U>&#8221; means, with respect to any Party and a specified result, all actions (to the extent such actions are not prohibited
by applicable Law and within such Party&#8217;s control, and in the case of any action that requires a vote or other action on
the part of the Board to the extent such action is consistent with fiduciary duties that PubCo&#8217;s directors may have in such
capacity) necessary to cause such result, including (a)&nbsp;calling special meetings of stockholders, (b)&nbsp;voting or providing
a written consent or proxy, if applicable in each case, with respect to shares of Common Stock, (c)&nbsp;causing the adoption of
stockholders&#8217; resolutions and amendments to the Organizational Documents, (d)&nbsp;executing agreements and instruments,
(e)&nbsp;making, or causing to be made, with Governmental Entities, all filings, registrations or similar actions that are required
to achieve such result, and (f)&nbsp;nominating certain Persons for election to the Board in connection with the annual or special
meeting of stockholders of PubCo.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>NYSE</U>&#8221;
means The New York Stock Exchange.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>NYSE Independent</U>&#8221;
means a person who shall qualify as a Director independent from PubCo, the Sponsor and the Members, as such term is used in Rule
303A.02 (or any successor rule) of the NYSE Listed Company Manual determined, as applicable, as of (i) the time of the nomination
of such Director pursuant to <U>Section 2.1</U> and (ii) the time of any vote, decision or recommendation made by such Director
as a member of the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Operating
Company</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Organizational
Documents</U>&#8221; means the Certificate of Incorporation and the Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Original
RRA</U>&#8221; has the meaning set forth in the Recitals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Party</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Permitted
Transferee</U>&#8221; means with respect to any Person, (a)&nbsp;any Family Member of such Person, (b)&nbsp;any Affiliate of such
Person, (c)&nbsp;any Affiliate of any Family Member of such Person (excluding any Affiliate under this<U>&nbsp;clause (c)</U>&nbsp;who
operates or engages in a business which competes with the business of PubCo or the Operating Company or any of their respective
Subsidiaries), (d) any Controlled Entity of such Person, (e) to any member of the Sponsor or any of their affiliates, (f) by virtue
of the laws of the State of Delaware or the Sponsor&#8217;s limited liability company agreement upon dissolution of the Sponsor;
or (g) any charitable organization to which such Person Transfers their securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Piggyback
Registration</U>&#8221; has the meaning set forth in&nbsp;<U>Section 3.2(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Prospectus</U>&#8221;
means the prospectus included in any Registration Statement, all amendments (including post-effective amendments) and supplements
to such prospectus, and all material incorporated by reference in such prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>PubCo</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Registrable
Securities</U>&#8221; means at any time (a)&nbsp;any shares of Class&nbsp;A Common Stock (including, without limitation, Class&nbsp;A
Common Stock (i)&nbsp;issuable pursuant to the Operating Company A&amp;R LLCA upon an exchange of Class A Common Units for Class&nbsp;A
Common Stock, along with an equal number of shares of Class&nbsp;V Voting Stock, (ii) issued pursuant to the Class B Common Stock
Conversion, or (iii)&nbsp;that comprise Earnout Voting Shares (whether or not earned as of such date)), (b) any Warrants or any
shares of Class&nbsp;A Common Stock issued or issuable upon the exercise thereof, and (c)&nbsp;any Equity Securities of PubCo or
any Subsidiary of PubCo that may be issued or distributed or be issuable with respect to the securities referred to in&nbsp;clauses
(a)&nbsp;or&nbsp;(b)&nbsp;by way of conversion,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">dividend, stock split or other distribution,
merger, consolidation, exchange, recapitalization or reclassification or similar transaction, in each case held by a Holder, other
than any security received pursuant to an incentive plan adopted by PubCo on or after the Closing Date;&nbsp;<U>provided</U>, <U>however</U>,
that any such Registrable Securities shall cease to be Registrable Securities to the extent (A)&nbsp;a Registration Statement with
respect to the sale of such Registrable Securities has become effective under the Securities Act and such Registrable Securities
have been sold, transferred, disposed of or exchanged in accordance with the plan of distribution set forth in such Registration
Statement, (B)&nbsp;such Registrable Securities shall have ceased to be outstanding, (C)&nbsp;such Registrable Securities have
been sold to, or through, a broker, dealer or underwriter in a public distribution or other public securities transaction, or (D)&nbsp;(i)
for purposes of&nbsp;<FONT STYLE="font-size: 10pt"><U>Article III</U>&nbsp;hereof, the Holder thereof, together with its, his or
her Permitted Transferees, Beneficially Owns less than one percent (1%) of the shares of Class&nbsp;A Common Stock that are outstanding
at such time and (ii)&nbsp;such shares of Class&nbsp;A Common Stock are eligible for resale without volume or manner-of-sale&nbsp;restrictions
and without current public information pursuant to Rule 144 as set forth in a written opinion letter to be provided by counsel
to PubCo to such effect, addressed, delivered and acceptable to PubCo&#8217;s transfer agent and the affected Holder (which opinion
may rely on a representation from such Holder that it is not, and has not been at any time during the 90 days immediately before
the date of such opinion, an Affiliate of PubCo).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#8220;<U>Registration</U>&#8221; means
a registration, including any related Shelf Takedown, effected by preparing and filing a registration statement, prospectus or
similar document in compliance with the requirements of the Securities Act, and such registration statement becoming effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#8220;<U>Registration Expenses</U>&#8221;
means the expenses of a Registration or other Transfer pursuant to the terms of this Investor Rights Agreement, including the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">all SEC or securities exchange registration, listing and filing fees (including fees with
respect to filings required to be made with FINRA);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">all fees and expenses of compliance with securities or blue sky Laws (including fees and disbursements
of counsel for the Underwriters in connection with blue sky qualifications of Registrable Securities);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">all printing, messenger, telephone and delivery expenses;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">all fees and disbursements of counsel for PubCo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">all fees and disbursements of all independent registered public accountants of PubCo incurred
in connection with such Registration or Transfer, including the expenses of any special audits and/or comfort letters required
or incident to such performance and compliance;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">all fees and disbursements of one (1)&nbsp;separate outside counsel (and local and special
counsel, to the extent necessary) selected by the&nbsp;majority-in-interest&nbsp;of the Holders participating in such Registration;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the costs and expenses of PubCo relating to analyst and investor presentations or any &#8220;road
show&#8221; undertaken in connection with the Registration and/or marketing of the Registrable Securities (including the reasonable
out-of-pocket&nbsp;expenses of any Requesting Demand Holders in connection therewith); and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">any other fees and disbursements customarily paid by the issuers of securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Registration
Statement</U>&#8221; means any registration statement that covers the Registrable Securities pursuant to the provisions of this
Investor Rights Agreement, including the Prospectus included in such registration statement, amendments (including post-effective
amendments) and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">supplements to such registration statement,
and all exhibits to and all material incorporated by reference in such registration statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Representatives</U>&#8221;
means, with respect to any Person, any of such Person&#8217;s officers, directors, managers, members, equityholders, employees,
agents, attorneys, accountants, actuaries, consultants, or financial advisors or other Person acting on behalf of such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Requesting
Holder</U>&#8221; means any Holder requesting piggyback rights pursuant to&nbsp;<U>Section 3.2</U>&nbsp;with respect to an Underwritten
Shelf Takedown.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>SCG Holder</U>&#8221;
means each of [&#9679;], [&#9679;], and [&#9679;], and any of their respective Permitted Transferees (other than pursuant to clause
(e) of the definition thereof or for purposes of Article II of this Investor Rights Agreement pursuant to clause (g) of the definition
thereof) that beneficially own Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>SCG Holders&#8217;
Representative</U>&#8221; means Todd Schwartz, as representative of the SCG Holders, or any other party designated by a majority-in-intertest
of the SCG Holders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>SEC</U>&#8221;
means the United States Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Securities
Act</U>&#8221; means the Securities Act of 1933, as amended, and any successor thereto, as the same shall be in effect from time
to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Shelf</U>&#8221;
has the meaning set forth in&nbsp;<U>Section 3.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Shelf Registration</U>&#8221;
means a registration of securities pursuant to a Registration Statement filed with the SEC in accordance with and pursuant to Rule
415 promulgated under the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Shelf Takedown</U>&#8221;
means an Underwritten Shelf Takedown or any proposed transfer or sale using a Registration Statement, including a Piggyback Registration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Sponsor</U>&#8221;
has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Subsequent
Shelf Registration</U>&#8221; has the meaning set forth in&nbsp;<U>Section 3.1(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Trading Day</U>&#8221;
means any day on which the Class A Common Stock is traded on the NYSE, or, if the NYSE is not the principal trading market for
the Class A Common Stock on such day, then on the principal national securities exchange or securities market on which the Class
A Common Stock is then traded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Transfer</U>&#8221;
means, when used as a noun, any voluntary or involuntary transfer, sale or hypothecation or other disposition by the Transferor
(whether by operation of law or otherwise) and, when used as a verb, the Transferor voluntarily or involuntarily, transfers, sells
or hypothecates or otherwise disposes of (whether by operation of law or otherwise), including, in each case, (a)&nbsp;the establishment
or increase of a put equivalent position or liquidation with respect to, or decrease of a call equivalent position within the meaning
of Section&nbsp;16 of the Exchange Act with respect to, any security or (b)&nbsp;entry into any swap or other arrangement that
transfers to another Person, in whole or in part, any of the economic consequences of ownership of any security, whether any such
transaction is to be settled by delivery of such securities, in cash or otherwise. The terms &#8220;Transferee,&#8221; &#8220;Transferor,&#8221;
 &#8220;Transferred,&#8221; and other forms of the word &#8220;Transfer&#8221; shall have the correlative meanings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Underwriter</U>&#8221;
means any investment banker(s) and manager(s) appointed to administer the offering of any Registrable Securities as principal in
an Underwritten Offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;Underwriter
Holders&#8221; has the meaning set forth in the Preamble.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Underwritten
Offering</U>&#8221; means a Registration in which securities of PubCo are sold to an Underwriter for distribution to the public.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Underwritten
Shelf Takedown</U>&#8221; has the meaning set forth in&nbsp;<U>Section 3.1(e)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>VWAP</U>&#8221;
means the volume-weighted average share price of Class A Common Stock as displayed on PubCo&#8217;s page on Bloomberg (or any successor
service) in respect of the period from 9:30 a.m. to 4:00 p.m., New York City time, on such Trading Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Warrants</U>&#8221;
means the following outstanding warrants of PubCo, that upon exercise entitle the Sponsor to acquire in the aggregate up to 5,651,937
shares of Class&nbsp;A Common Stock, consisting of (i) 3,848,750 warrants to purchase shares of Class A Common Stock at a price
of $11.50 per share, that were issued to the Sponsor pursuant to that certain Founder Warrants Purchase Agreement, dated September
29, 2020, by and among the Buyer and the Sponsor, (ii) 1,512,500 warrants to purchase shares of Class A Common Stock at a price
of $15.00 per share, that were issued pursuant to that certain $15 Exercise Price Warrants Purchase Agreement, dated September
29, 2020, by and among the Buyer and the Sponsor, (iii) 231,250 warrants to purchase shares of Class A Common Stock at a price
of $11.50 per share underlying the 462,500 private placement units (the &#8220;Private Placement Units&#8221;) that were issued
to the Sponsor pursuant to that certain Private Placement Units Purchase Agreement, dated September 29, 2020, by and among and
the Buyer and the Sponsor, and (iv) 59,437 warrants to purchase shares of Class A Common Stock at a price of $11.50 per share underlying
the 118,875 private placement units that were issued to the Underwriter Holders pursuant to that certain Underwriting Agreement,
dated September 29, 2020, by and among and the Buyer and the Underwriter Holders, in each case, subject to adjustment as provided
in the Warrant Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Warrant Agreement</U>&#8221;
means that certain Warrant Agreement, dated as of September 29, 2020, by and between PubCo and Continental Stock Transfer &amp;
Trust Company, a New York corporation, as warrant agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Well-Known
Seasoned Issuer</U>&#8221; has the meaning set forth in Rule 405 promulgated by the SEC pursuant to the Securities Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<U>Withdrawal
Notice</U>&#8221; has the meaning set forth in&nbsp;<U>Section 3.1(e)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
1.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Interpretive
Provisions</U></FONT><FONT STYLE="font-size: 10pt">. For all purposes of this Investor Rights Agreement, except as otherwise provided
in this Investor Rights Agreement or unless the context otherwise requires:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the singular shall include the plural, and the plural shall include the singular, unless the
context clearly prohibits that construction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the words &#8220;<U>hereof</U>&#8221;, &#8220;<U>herein</U>&#8221;, &#8220;<U>hereunder</U>&#8221;
and words of similar import, when used in this Investor Rights Agreement, refer to this Investor Rights Agreement as a whole and
not to any particular provision of this Investor Rights Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">references in this Investor Rights Agreement to any Law shall be deemed also to refer to such
Law, and all rules and regulations promulgated thereunder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">whenever the words &#8220;include&#8221;, &#8220;includes&#8221; or &#8220;including&#8221;
are used in this Investor Rights Agreement, they shall mean &#8220;without limitation.&#8221;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the captions and headings of this Investor Rights Agreement are for convenience of reference
only and shall not affect the interpretation of this Investor Rights Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">pronouns of any gender or neuter shall include, as appropriate, the other pronoun forms.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <FONT STYLE="font-size: 10pt">the word &#8220;or&#8221; shall be construed to mean &#8220;and/or&#8221; and the words &#8220;neither,&#8221;
 &#8220;nor,&#8221; &#8220;any,&#8221; &#8220;either&#8221; and &#8220;or&#8221; shall not be exclusive, unless the context clearly
prohibits that construction.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the phrase &#8220;to the extent&#8221; shall be construed to mean &#8220;the degree by which.&#8221;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">Article
II<FONT STYLE="font-size: 10pt"><BR>
GOVERNANCE</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
2.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Board
of Directors</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Composition of the Board</U>. Subject to the last paragraph of this&nbsp;<U>Section 2.1(a)</U>,
PubCo shall, and the SCG Holders&#8217; Representative agrees with PubCo that he, she or it shall, take all Necessary Action to
cause the Board to be comprised at Closing of eight (8)&nbsp;directors, (i)&nbsp;five (5)&nbsp;of whom have been nominated by the
SCG Holders&#8217; Representative (each, a &#8220;<U>Member Director</U>&#8221;), initially Ted Schwartz, Todd Schwartz, David
Vennettilli, [&#9679;], and [&#9679;], at least two (2) of which will be NYSE Independent, (ii)&nbsp;[&#9679;] and [&#9679;] (each
a &#8220;<U>Designated Director</U>&#8221;), and (iii) one (1) individual that shall be NYSE Independent (an &#8220;<U>Independent
Director</U>&#8221;), and Todd Schwartz shall initially be the executive chairman of the Board. Each Independent Director not nominated
by the SCG Holders&#8217; Representative shall be nominated by the Nominating and Corporate Governance Committee pursuant to <U>Section
2.1(f)</U>. The directors are to be divided into three classes of directors, with each class serving for staggered three year-terms
as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the Class&nbsp;I directors shall include: [one] ([1]) Member Director and [one] ([1])&nbsp;Designated
Director, initially [&#9679;] and [&#9679;], respectively;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the Class&nbsp;II directors shall include: [two] ([2]) Member Director(s) and [one] ([1])&nbsp;Independent
Director, initially [&#9679;], [&#9679;] and [&#9679;], respectively, and [&#9679;]; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">the Class&nbsp;III directors shall include: [two] ([2]) Member Director(s), and [one] ([1])
Designated Director, initially [&#9679;], [&#9679;] and [&#9679;], respectively.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The initial term of
the Class&nbsp;I directors shall expire immediately following PubCo&#8217;s 2022 annual meeting of stockholders at which directors
are elected. The initial term of the Class&nbsp;II directors shall expire immediately following PubCo&#8217;s 2023 annual meeting
of stockholders at which directors are elected. The initial term of the Class&nbsp;III directors shall expire immediately following
PubCo&#8217;s 2024 annual meeting at which directors are elected. The initial composition of the Board may be changed from time
to time as provided in the Certificate of Incorporation or the Bylaws, and pursuant to the balance of this <U>Section 2.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Members Representation</U>. Subject to the next sentence of this&nbsp;<U>Section 2.1(b)</U>,
PubCo shall take all Necessary Action to include in the slate of nominees recommended by the Board for election as directors at
each applicable annual or special meeting of stockholders at which directors are to be elected all individuals designated by the
SCG Holders&#8217; Representative that, if elected, will result in the SCG Holders&#8217; Representative having a number of Member
Directors serving on the Board as shown below: </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 80%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="background-color: White">
    <TD STYLE="text-align: left; padding-top: 5pt; border-bottom: Black 1pt solid; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><B>Equity Securities of PubCo Beneficially Owned by the SCG Holders Representing the Percentage Voting Power Entitled to Vote in the Election of Directors</B></FONT></TD>
    <TD STYLE="padding-top: 5pt; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; border-bottom: black 1pt solid; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt"><B>Number&nbsp;of<BR>
Member<BR>
Directors</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-top: 5pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 5pt; vertical-align: top; width: 78%; padding-left: 1in"><FONT STYLE="font-size: 10pt">50% or greater</FONT></TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; width: 20%; text-align: center"><FONT STYLE="font-size: 10pt">5</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 1%; padding-top: 5pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-top: 5pt; vertical-align: top; padding-left: 1in"><FONT STYLE="font-size: 10pt">40% to less than 50%</FONT></TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">4</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 5pt">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 5pt; vertical-align: top; padding-left: 1in"><FONT STYLE="font-size: 10pt">30% to less than 40%</FONT></TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">3</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 5pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-top: 5pt; vertical-align: top; padding-left: 1in"><FONT STYLE="font-size: 10pt">20% to less than 30%</FONT></TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">2</FONT></TD>
    <TD STYLE="padding-top: 5pt; white-space: nowrap; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 5pt; vertical-align: top; padding-left: 1in"><FONT STYLE="font-size: 10pt">5% to less than 20%</FONT></TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">1</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 5pt">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-top: 5pt; vertical-align: top; padding-left: 1in"><FONT STYLE="font-size: 10pt">Less than 5%</FONT></TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt">0</FONT></TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-top: 5pt">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">For so long as the Board
is divided into three classes, PubCo agrees to take all Necessary Action to apportion the Member Directors among such classes so
as to maintain the proportion of the non-Member Directors in each class as nearly as possible to the relative apportionment of
the Member Directors among the classes as contemplated in <U>Section 2.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Decrease in Directors</U>. Upon any decrease in the number of directors that the SCG Holders&#8217;
Representative is entitled to designate for nomination to the Board pursuant to&nbsp;<U>Section 2.1(b)</U>, the SCG Holders&#8217;
Representative shall take all Necessary Action to cause the appropriate number of Member Directors to offer to tender their resignation
at least sixty (60) days prior to the expected date of PubCo&#8217;s next annual meeting of stockholders;&nbsp;<I>provided&nbsp;that</I>,
for the avoidance of doubt, such resignation may be made effective as of the last day of the term of such director. Notwithstanding
the foregoing, the Nominating and Corporate Governance Committee may, in its sole discretion, recommend for nomination a Member
Director that has tendered his or her resignation pursuant to this&nbsp;<U>Section 2.1(c)</U>. In addition to any vote or consent
of the Board or the stockholders of PubCo required by applicable Law or the Certificate of Incorporation or the Bylaws, and notwithstanding
anything to the contrary in this Investor Rights Agreement, for so long as this Investor Rights Agreement is in effect, any action
by the Board to decrease the total number of directors which would require a Member Director to resign in order to maintain compliance
with the applicable rules of the securities exchange on which PubCo&#8217;s Equity Securities are listed shall require the prior
written consent of the SCG Holders&#8217; Representative.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Removal; Vacancies</U>. Directors are subject to removal pursuant to the applicable provisions
of the Certificate of Incorporation. Any newly created directorships resulting from an increase in the number of directors and
any vacancies on the Board resulting from death, resignation, retirement, disqualification, removal or other cause may be filled
pursuant to the applicable provisions of the Certificate of Incorporation. In the event that a vacancy is created at any time by
death, disability, retirement, removal (with or without cause), disqualification, resignation or otherwise with respect to the
Member Directors, any individual nominated by or at the direction of the Board or any duly-authorized committee thereof to fill
such vacancy shall be, and PubCo shall use its best efforts to cause such vacancy to be filled, as soon as possible, by a new designee
of the SCG Holders&#8217; Representative. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Committees</U>. In accordance with PubCo&#8217;s Organizational Documents, (i)&nbsp;the
Board shall establish and maintain committees of the Board for (x)&nbsp;Audit, (y) Compensation and (z)&nbsp;Nominating and Corporate
Governance, and (ii)&nbsp;the Board may from time to time by resolution establish and maintain other committees of the Board. Subject
to applicable Laws and stock exchange rules, and subject to requisite independence requirements applicable to such committee (determined
giving effect to&nbsp;<U>Section 2.1(g)</U>, (i) for so long as PubCo is Controlled Company Eligible, the SCG</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Holders&#8217; Representative shall have
the right, and PubCo shall take all Necessary Action, to have a majority of the members of each such committee consist of members
of the Board designated by the SCG Holders&#8217; Representative, and (ii)&nbsp;at any time when PubCo is not Controlled Company
Eligible, the SCG Holders&#8217; Representative shall have the right, and PubCo shall take all Necessary Action, to have a number
of the members of each such committee consist of a proportional number of members of each such committee (rounded up) as relates
to the proportion of the Board designated by the SCG Holders&#8217; Representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>NYSE Independent Directors</U>. PubCo has determined that the initial slate of directors
referenced in&nbsp;<U>Section 2.1(a)</U>&nbsp;includes the requisite number of NYSE Independent directors meeting the requirements
of the NYSE. From and after such initial slate is constituted, PubCo shall take all Necessary Action to ensure that the Board consists
of the requisite number of NYSE Independent directors or any other securities exchange on which the Equity Securities of PubCo
are then listed, in each case giving effect, when applicable, to&nbsp;<U>Section 2.1(g)</U>&nbsp;(and for as long as PubCo qualifies
as Controlled Company Eligible, but regardless of whether PubCo is then availing itself of the &#8220;controlled company&#8221;
exemptions of any securities exchange on which its Equity Securities are listed, and the SCG Holders&#8217; Representative is entitled
to nominate its full slate of directors pursuant to the first sentence of&nbsp;<U>Section 2.1(b)</U>, the SCG Holders&#8217; Representative
shall include among its nominees such number of NYSE Independent directors meeting requirements that, when taken together with
other NYSE Independent directors, PubCo has the requisite number of NYSE Independent directors). For the avoidance of doubt, it
is understood and agreed that, if at any time the number of directors entitled to be designated by the SCG Holders&#8217; Representative
pursuant to this&nbsp;<U>Section 2.1</U>&nbsp;is less than the entire membership of the Board, subject to the rights of any other
Person to nominate or designate one or more directors (including, without limitation, the right of the Members Representative to
designate members for nominations to the Board in accordance with&nbsp;<U>Section 2.1(a)</U>), the remaining directors shall be
nominated by the Nominating and Corporate Governance Committee and approved by the Board and shall qualify as NYSE Independent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Controlled Company Exception</U>. If PubCo is Controlled Company Eligible and the SCG Holders&#8217;
Representative so elects in writing that PubCo utilize any applicable &#8220;controlled company&#8221; exemptions, PubCo shall
take all Necessary Action to avail itself of all &#8220;controlled company&#8221; exemptions pursuant to the rules of the NYSE
or any other exchange on which the Equity Securities of PubCo are then listed and shall comply with all requirements under Law
(including Item 407(a) of Regulation&nbsp;S-K)&nbsp;and all disclosure requirements to take such actions. Among other things, except
to the extent otherwise agreed in writing by the SCG Holders&#8217; Representative, for so long as PubCo elects to be Controlled
Company Eligible, PubCo shall take all Necessary Action to exempt itself from each of (i)&nbsp;any requirement that a majority
of the Board consist of independent directors; (ii)&nbsp;any requirement that the Nominating and Governance Committee be composed
entirely of NYSE Independent directors or have a written charter addressing the committee&#8217;s purpose and responsibilities;
(iii)&nbsp;any requirement that the Compensation Committee be composed entirely of NYSE Independent directors with a written charter
addressing the committee&#8217;s purpose and responsibilities; (iv)&nbsp;the requirement for an annual performance evaluation of
the Nominating and Governance Committee and Compensation Committee; and (v)&nbsp;each other requirement that a &#8220;controlled
company&#8221; is eligible to be exempted from under the rules of the NYSE or any other exchange on which the Equity Securities
of PubCo are then listed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Compensation and Reimbursement of Expenses</U>. Except to the extent the SCG Holders&#8217;
Representative may otherwise notify PubCo, any Members Directors shall be entitled to compensation consistent with the director
compensation received by other directors on the Board, including any fees and equity awards. If PubCo adopts a policy that directors
own a minimum amount</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">of equity in PubCo, the Member Directors
shall not be subject to such policy. PubCo shall reimburse the directors for all reasonable&nbsp;out-of-pocket&nbsp;expenses incurred
in connection with their attendance at meetings of the Board and any committees thereof, including travel, lodging and meal expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Indemnification</U>. For so long as any Member Director serves as a director of PubCo,
(i)&nbsp;PubCo shall provide such Member Director with the same expense reimbursement, benefits, indemnity, exculpation and other
arrangements provided to the other directors of PubCo, and (ii)&nbsp;PubCo shall not amend, alter or repeal any right to indemnification
or exculpation covering or benefiting any Member Director nominated pursuant to this Investor Rights Agreement as and to the extent
consistent with applicable Law, Article VIII&nbsp;of the Certificate of Incorporation, Article VIII of the Bylaws and any indemnification
agreements with directors (whether such right is contained in the Organizational Documents or another document) (except to the
extent such amendment or alteration permits PubCo to provide broader indemnification or exculpation rights on a retroactive basis
than permitted prior thereto).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>D&amp;O Insurance</U>. PubCo shall (i)&nbsp;purchase directors&#8217; and officers&#8217;
liability insurance in an amount determined by the Board to be reasonable and customary, and (ii)&nbsp;for so long as any Member
Director serves as a director, maintain such directors&#8217; and officers&#8217; liability insurance coverage with respect to
such director;&nbsp;provided,&nbsp;that upon removal or resignation of such Member Director for any reason, PubCo shall take all
actions reasonably necessary to extend such directors&#8217; and officers&#8217; liability insurance coverage with respect to such
Member Director for a period of not less than six (6)&nbsp;years from any such event in respect of any act or omission of such
Member Director occurring at or prior to such event.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
2.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Sharing
of Information</U></FONT><FONT STYLE="font-size: 10pt">. To the extent permitted by antitrust, competition or any other applicable
Law, each of PubCo, and the Members agrees and acknowledges that the directors designated by the Members&#8217; Representative
may share confidential,&nbsp;non-public&nbsp;information about PubCo and its Subsidiaries (&#8220;<U>Confidential Information</U>&#8221;)
with the Members. Each of the Members recognizes that it, or its Affiliates and Representatives, has acquired or will acquire Confidential
Information the use or disclosure of which could cause PubCo substantial loss and damages that could not be readily calculated
and for which no remedy at Law would be adequate. Accordingly, each of the Members covenants and agrees with PubCo that it will
not (and will cause its respective controlled Affiliates and Representatives not to) at any time, except with the prior written
consent of PubCo, directly or indirectly, disclose any Confidential Information known to it to any third party, unless (a)&nbsp;such
information becomes known to the public through no fault of such Party, (b)&nbsp;disclosure is required by applicable Law or court
of competent jurisdiction or requested by a Governmental Entity;&nbsp;provided&nbsp;that such Party promptly notifies PubCo of
such requirement or request and takes commercially reasonable steps, at the sole cost and expense of PubCo, to minimize the extent
of any such required disclosure, (c)&nbsp;such information was available or becomes available to such Party before, on or after
the Effective Date, without restriction, from a source (other than PubCo) without any breach of duty to PubCo or (d)&nbsp;such
information was independently developed by such Party or its Representatives without the use of the Confidential Information. Notwithstanding
the foregoing, nothing in this Investor Rights Agreement shall prohibit the Members from disclosing Confidential Information to
any Affiliate, Representative, limited partner, member or shareholder of such Party;&nbsp;provided&nbsp;that such Person shall
be bound by an obligation of confidentiality with respect to such Confidential Information and such Party shall be responsible
for any breach of this&nbsp;<U>Section 2.2</U>&nbsp;by any such Person. No Confidential Information shall be deemed to be provided
to any Person, including any Affiliate of the Members, unless such Confidential Information is actually provided to such Person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">Article
III<BR>
REGISTRATION RIGHTS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Shelf
Registration</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Filing</U>. PubCo shall file, within thirty (30) days of the Closing Date or such other
earlier date as it is required in accordance with the Warrant Agreement or any other agreements concerning the registration of
Registrable Securities to which PubCo is party (each, an &#8220;<U>Other Registration Agreement</U>&#8221;), a Registration Statement
for a Shelf Registration on Form&nbsp;S-3&nbsp;(the &#8220;<U>Form&nbsp;S-3&nbsp;Shelf</U>&#8221;), or if PubCo is ineligible to
use a Form&nbsp;S-3&nbsp;Shelf, a Registration Statement for a Shelf Registration on Form&nbsp;S-1&nbsp;(the &#8220;<U>Form&nbsp;S-1&nbsp;Shelf</U>,&#8221;
and together with the Form&nbsp;S-3&nbsp;Shelf (and any Subsequent Shelf Registration), the &#8220;<U>Shelf</U>&#8221;), in each
case, covering the resale of all Registrable Securities (determined as of two (2)&nbsp;Business Days prior to such filing) on a
delayed or continuous basis. PubCo shall use its reasonable best efforts to cause the Shelf to become effective, under (x) the
Securities Act and (y) the blue sky laws of such jurisdictions as any participating Holder reasonably requests, as soon as practicable
after such filing, but in no event later than sixty (60)&nbsp;days after the initial filing thereof (such date, the &#8220;<U>Effectiveness
Deadline</U>&#8221;); <I>provided, </I>that the Effectiveness Deadline shall be extended to ninety (90) calendar days after the
Closing Date if the Registration Statement is reviewed by, and comments thereto are provided from, the SEC; <I>provided</I>, <I>further,</I>
that PubCo shall have the Shelf declared effective within five (5) Business Days after the date PubCo is notified (orally or in
writing, whichever is earlier) by the staff of the SEC that the Shelf will not be &#8220;reviewed&#8221; or will not be subject
to further review; <I>provided, further,</I> that if the Effectiveness Deadline falls on a Saturday, Sunday or other day that the
SEC is closed for business, the Effectiveness Deadline shall be extended to the next Business Day on which the SEC is open for
business. The Shelf shall provide for the resale of the Registrable Securities included therein pursuant to any method or combination
of methods legally available to, and reasonably requested by, any Holder. In the event PubCo files a Form&nbsp;S-1&nbsp;Shelf,
PubCo shall use its reasonable best efforts to convert the Form&nbsp;S-1&nbsp;Shelf (and any Subsequent Shelf Registration) to
a Form&nbsp;S-3&nbsp;Shelf as soon as practicable after PubCo is eligible to use Form&nbsp;S-3.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Subsequent Shelf Registration</U>. If any Shelf ceases to be effective under the Securities
Act for any reason at any time while there are any Registrable Securities outstanding, PubCo shall use its reasonable best efforts
to as promptly as is reasonably practicable cause such Shelf to again become effective under the Securities Act (including obtaining
the prompt withdrawal of any order suspending the effectiveness of such Shelf), and shall use its reasonable best efforts to as
promptly as is reasonably practicable amend such Shelf in a manner reasonably expected to result in the withdrawal of any order
suspending the effectiveness of such Shelf or file an additional Registration Statement as a Shelf Registration (a &#8220;<U>Subsequent
Shelf Registration</U>&#8221;) registering the resale of all outstanding Registrable Securities from time to time, and pursuant
to any method or combination of methods legally available to, and requested by, any Holder. If a Subsequent Shelf Registration
is filed, PubCo shall use its reasonable best efforts to (i)&nbsp;cause such Subsequent Shelf Registration to become effective
under the Securities Act as promptly as is reasonably practicable after the filing thereof (it being agreed that the Subsequent
Shelf Registration shall be an Automatic Shelf Registration Statement if PubCo is a Well-Known Seasoned Issuer) and (ii)&nbsp;keep
such Subsequent Shelf Registration continuously effective, available for use and in compliance with the provisions of the Securities
Act until such time as there are no longer any Registrable Securities outstanding. Any such Subsequent Shelf Registration shall
be on Form&nbsp;S-3&nbsp;to the extent that PubCo is eligible to use such form. Otherwise, such Subsequent Shelf Registration shall
be on another appropriate form. In the event that any Holder holds Registrable Securities that are not registered for resale on
a delayed or continuous basis, PubCo, upon request of a Holder, shall promptly use its reasonable best efforts to cause the resale
of such Registrable Securities</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">to be covered by either, at PubCo&#8217;s
option, the Shelf (including by means of a post-effective amendment) or a Subsequent Shelf Registration and cause the same to become
effective as soon as practicable after such filing and such Shelf or Subsequent Shelf Registration shall be subject to the terms
of this Investor Rights Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Requests for Underwritten Shelf Takedowns</U>. At any time and from time to time after
the Shelf has been declared effective by the SEC, a majority-in-interest of the Founder Holders and any Holders of at least fifteen
percent (15%) of the then-outstanding number of Registrable Securities may request (such requesting Holders, the &#8220;<U>Demanding
Holders</U>&#8221;) to sell all or any portion of their Registrable Securities in an underwritten offering that is registered pursuant
to the Shelf (each, an &#8220;<U>Underwritten Shelf Takedown</U>&#8221;);&nbsp;<I>provided&nbsp;that</I> PubCo shall only be obligated
to effect an Underwritten Shelf Takedown if such offering (i)&nbsp;shall include securities with a total offering price (including
piggyback securities and before deduction of underwriting discounts) reasonably expected to exceed, in the aggregate, $10&nbsp;million
(the &#8220;<U>Minimum Takedown Threshold</U>&#8221;) or (ii)&nbsp;shall be made with respect to all of the Registrable Securities
of the Demanding Holder. All requests for Underwritten Shelf Takedowns shall be made by giving written notice to PubCo, which shall
specify the approximate number of Registrable Securities proposed to be sold in the Underwritten Shelf Takedown and the expected
price range (net of underwriting discounts and commissions) of such Underwritten Shelf Takedown;&nbsp;<I>provided&nbsp;that</I>
each Holder agrees that the fact that such a notice has been delivered shall constitute Confidential Information subject to&nbsp;<U>Section
2.2</U>. The Demanding Holders shall have the right to select the Underwriters for such offering (which shall consist of one (1)&nbsp;or
more reputable nationally or regionally recognized investment banks), and to agree to the pricing and other terms of such offering;&nbsp;<I>provided&nbsp;that</I>
such selection shall be subject to the consent of PubCo, which consent shall not be unreasonably withheld, conditioned or delayed.
Notwithstanding anything to the contrary contained in this Investor Rights Agreement, in no event shall any Holder or any Transferee
thereof request an Underwritten Shelf Takedown during the&nbsp;Lock-Up&nbsp;Period applicable to such Person. There shall be no
limit to the number of Underwritten Shelf Takedowns that may be requested by any Holder, subject to the first sentence of this&nbsp;<U>Section
3.1(c)</U>; <I>provided that</I> PubCo shall not be obligated to effect, or to take any action to effect, any Underwritten Shelf
Takedown otherwise permitted pursuant to this <U>Section 3.1(c)</U> if PubCo has already effected an Underwritten Shelf Takedown
in the preceding six (6) month period; <I>provided, further</I>, under no circumstances shall PubCo be obligated to effect more
than an aggregate of three (3) Registrations pursuant to an Underwritten Shelf Takedown under this subsection <U>3.1(c)</U> with
respect to any or all Registrable Securities held by the Founder Holders (or any of their Permitted Transferees), except that a
Registration shall not be counted for such purposes unless a Shelf has become effective and all of the Registrable Securities requested
by the Demanding Holders who are Founder Holders to be registered in such Underwritten Shelf Takedown have been sold, in accordance
with this Section 3.1 of this Investor Rights Agreement..</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Reduction of Underwritten Shelf Takedowns</U>. If the managing Underwriter or Underwriters
in an Underwritten Shelf Takedown, in good faith, advise PubCo, the Demanding Holders and the Requesting Holders (if any) in writing
that the dollar amount or number of Registrable Securities that the Demanding Holders and the Requesting Holders (if any) desire
to sell, taken together with all other shares of Common Stock or other Equity Securities that PubCo desires to sell and all other
Common Stock or other Equity Securities, if any, that have been requested to be sold in such Underwritten Offering pursuant to
separate written contractual piggyback registration rights held by any other stockholders, exceeds the maximum dollar amount or
maximum number of Equity Securities that can be sold in the Underwritten Offering without adversely affecting the proposed offering
price, the timing, the distribution method, or the probability of success of such offering (such maximum dollar amount or maximum
number of such securities, as applicable, the &#8220;<U>Maximum Number of Securities</U>&#8221;), then PubCo shall include in such
Underwritten Offering, as follows: at all times (i)&nbsp;first,</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">the Registrable Securities of the Demanding
Holders and the Requesting Holders (if any) (pro rata based on the respective number of Registrable Securities that each Demanding
Holder and Requesting Holder (if any) has requested be included in such Underwritten Shelf Takedown) that can be sold without exceeding
the Maximum Number of Securities; (ii)&nbsp;second, to the extent that the Maximum Number of Securities has not been reached under
the foregoing&nbsp;clause (i), the Common Stock or other Equity Securities that PubCo desires to sell, which can be sold without
exceeding the Maximum Number of Securities; (iii)&nbsp;third, to the extent that the Maximum Number of Securities has not been
reached under the foregoing&nbsp;clauses (i)&nbsp;and&nbsp;(ii), the Common Stock or other Equity Securities of other Persons that
PubCo is obligated to include in such Underwritten Offering pursuant to separate written contractual arrangements with such Persons
and that can be sold without exceeding the Maximum Number of Securities.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Withdrawal</U>. Any of the Demanding Holders initiating an Underwritten Shelf Takedown
shall have the right to withdraw from such Underwritten Shelf Takedown for any or no reason whatsoever upon written notification
(a &#8220;<U>Withdrawal Notice</U>&#8221;) to PubCo and the Underwriter or Underwriters (if any) of such Demanding Holder&#8217;s
intention to withdraw from such Underwritten Shelf Takedown, prior to the public announcement of the Underwritten Shelf Takedown
by PubCo;&nbsp;provided&nbsp;that a Holder not so withdrawing may elect to have PubCo continue an Underwritten Shelf Takedown if
the Minimum Takedown Threshold would still be satisfied or if the Underwritten Shelf Takedown would be made with respect to all
of the Registrable Securities of such Holder. Following the receipt of any Withdrawal Notice, PubCo shall promptly forward such
Withdrawal Notice to any other Holders that had elected to participate in such Underwritten Shelf Takedown.&nbsp;Notwithstanding
anything to the contrary contained in this Investor Rights Agreement, PubCo shall be responsible for the Registration Expenses
incurred in connection with the Underwritten Shelf Takedown prior to delivery of a Withdrawal Notice under this&nbsp;<U>Section
3.1(e)</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Long-Form Demands</U>. Upon the expiration of the&nbsp;Lock-Up&nbsp;Period applicable to
such Person, and at any time or from time to time that PubCo does not then have an effective Registration Statement outstanding
covering all of the Registrable Securities, each Holder may demand that PubCo file a Registration Statement on Form&nbsp;S-1&nbsp;for
the purpose of conducting an Underwritten Offering of any or all of such Holder&#8217;s Registrable Securities (each, a &#8220;<U>Demand
Registration</U>&#8221;). PubCo shall, within ten (10) days of its receipt of the Demand Registration request, notify, in writing,
all other Holders of Registrable Securities of such demand, and each Holder of Registrable Securities who thereafter wishes to
include all or a portion of such Holder&#8217;s Registrable Securities in such Demand Registration (each such Holder that includes
all or a portion of such Holder&#8217;s Registrable Securities in such Registration, a &#8220;<U>Requesting Demand Holder</U>&#8221;)
shall so notify PubCo, in writing, within five (5) days after the receipt by the Holder of the notice from PubCo. Upon receipt
by PubCo of any such written notification from a Requesting Demand Holder(s) to PubCo, such Requesting Demand Holder(s) shall be
entitled to have their Registrable Securities included in a Registration pursuant to a Demand Registration and PubCo shall effect,
as soon thereafter as practicable, the Registration of all Registrable Securities requested by the Requesting Demand Holders pursuant
to such Demand Registration in accordance with the provision of this <U>Section 3.1(f)</U>. Under no circumstances shall PubCo
be obligated to effect more than an aggregate of three (3) Registrations pursuant to a Demand Registration under this <U>Section
3.1(f)</U> with respect to any or all Registrable Securities; provided, however, that a Registration shall not be counted for such
purposes unless a Form S-1 has become effective and all of the Registrable Securities requested by the Requesting Demand Holders
to be registered on behalf of the Requesting Demand Holders in such Demand Registration have been sold, in accordance with <U>Section
3.1</U> of this Investor Rights Agreement. PubCo shall file such Registration Statement within thirty (30) days of receipt of such
demand and use its reasonable best efforts to cause the same to be declared effective within sixty (60) days of filing; <I>provided,
that</I> such deadline shall be</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">extended to ninety (90) calendar days after
the date of filing if the Registration Statement on Form S-1 is reviewed by, and comments thereto are provided from, the SEC; <I>provided,
further</I> PubCo shall have the Form S-1 declared effective within five (5) Business Days after the date PubCo is notified (orally
or in writing, whichever is earlier) by the staff of the SEC that the Registration Statement will not be &#8220;reviewed&#8221;
or will not be subject to further review; <I>provided, further</I>, that if such deadline falls on a Saturday, Sunday or other
day that the SEC is closed for business, the deadline shall be extended to the next Business Day on which the SEC is open for business.
The provisions of&nbsp;<FONT STYLE="font-size: 10pt"><U>Section 3.1(c)</U>,&nbsp;<U>Section 3.1(d)</U>&nbsp;and&nbsp;<U>Section
3.1(e)</U>&nbsp;shall apply to this&nbsp;<U>Section 3.1(f)</U>&nbsp;as if a Demand Registration under this&nbsp;<U>Section 3.1(f)</U>&nbsp;were
an Underwritten Shelf Takedown, provided that in order to withdraw a demand under this&nbsp;<U>Section 3.1(f)</U>, such withdrawal
must be received by PubCo prior to PubCo having publicly filed a Registration Statement pursuant to this&nbsp;<U>Section 3.1(f)</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Piggyback
Registration</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Piggyback Rights</U>. If PubCo proposes to conduct a registered offering of Equity Securities
on behalf of any Holders (other than pursuant to Underwritten Shelf Registration), or if PubCo proposes to file a Registration
Statement under the Securities Act with respect to an offering of Equity Securities of PubCo, for its own account, in each case,
other than a Registration Statement (or any registered offering with respect thereto)&nbsp;(i) filed in connection with any employee
stock option or other benefit plan, (ii)&nbsp;for an exchange offer or offering of securities solely to PubCo&#8217;s existing
stockholders, (iii)&nbsp;for an offering of debt that is convertible into equity securities of PubCo, or (iv)&nbsp;for a dividend
reinvestment plan, then PubCo shall give written notice of such proposed offering to all of the Holders of Registrable Securities
as soon as practicable but not less than ten (10) days before the anticipated filing date of such Registration Statement, which
notice shall (A) describe the amount and type of securities to be included in such offering, the intended method(s) of distribution,
and the name of the proposed managing Underwriter or Underwriters, if any, in such offering, and (B) offer to all of the Holders
of Registrable Securities the opportunity to register the sale of such number of Registrable Securities as such Holders may request
in writing within five (5) days after receipt of such written notice (such registered offering, a &#8220;<U>Piggyback Registration</U>&#8221;);&nbsp;provided&nbsp;that
each Holder agrees that the fact that such a notice has been delivered shall constitute Confidential Information subject to&nbsp;<U>Section
2.2</U>. PubCo shall use its reasonable best efforts to cause such Registrable Securities to be included in such Piggyback Registration
and shall use its reasonable best efforts to cause the managing Underwriter or Underwriters of a proposed Underwritten Offering
to permit the Registrable Securities requested by the Holders pursuant to this&nbsp;<U>Section 3.2(a)</U>&nbsp;to be included in
a Piggyback Registration on the same terms and conditions as any similar securities of PubCo included in such registered offering
and to permit the sale or other disposition of such Registrable Securities in accordance with the intended method(s) of distribution
thereof. The inclusion of any Holder&#8217;s Registrable Securities in a Piggyback Registration shall be subject to such Holder&#8217;s
agreement to abide by the terms of&nbsp;<U>Section 3.6</U>&nbsp;below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Reduction of Piggyback Registration</U>. If the managing Underwriter or Underwriters in
an Underwritten Offering that is to be a Piggyback Registration (other than a Demand Registration or an Underwritten Shelf Takedown),
in good faith, advises PubCo and the Holders participating in the Piggyback Registration in writing that the dollar amount or number
of shares of Common Stock or other Equity Securities that PubCo desires to sell, taken together with (i)&nbsp;the Common Stock
or other Equity Securities, if any, as to which Registration or a registered offering has been demanded pursuant to Other Registration
Agreement, and (ii)&nbsp;the Common Stock or other Equity Securities, if any, as to which registration has been requested pursuant
to&nbsp;<U>Section 3.2</U>, exceeds the Maximum Number of Securities, then:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <FONT STYLE="font-size: 10pt">If the Registration is initiated and undertaken for PubCo&#8217;s account, PubCo shall include
in any such Registration (A)&nbsp;first, the Common Stock or other Equity Securities that PubCo desires to sell, which can be sold
without exceeding the Maximum Number of Securities; (B)&nbsp;second, to the extent that the Maximum Number of Securities has not
been reached under the foregoing&nbsp;clause (A), the Registrable Securities of Holders exercising their rights to register their
Registrable Securities pursuant to&nbsp;<U>Section 3.2(a)</U>&nbsp;(pro rata based on the respective number of Registrable Securities
that each Holder has requested be included in such Registration), which can be sold without exceeding the Maximum Number of Securities;
and (C)&nbsp;third, to the extent that the Maximum Number of Securities has not been reached under the foregoing&nbsp;clauses (A)&nbsp;and&nbsp;(B),
the Common Stock or other Equity Securities, if any, as to which Registration has been requested pursuant to written contractual
piggyback registration rights of other stockholders of PubCo, which can be sold without exceeding the Maximum Number of Securities;
or</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">If the Registration is pursuant to a request by Persons other than the Holders, then PubCo
shall include in any such Registration (A)&nbsp;first, the Common Stock or other Equity Securities, if any, of such requesting
Persons, other than the Holders, which can be sold without exceeding the Maximum Number of Securities; (B)&nbsp;second, to the
extent that the Maximum Number of Securities has not been reached under the foregoing&nbsp;clause (A), the Registrable Securities
of Holders exercising their rights to register their Registrable Securities pursuant to&nbsp;<U>Section 3.2(a)</U>&nbsp;(pro rata
based on the respective number of Registrable Securities that each Holder has requested be included in such Registration) which
can be sold without exceeding the Maximum Number of Securities; (C)&nbsp;third, to the extent that the Maximum Number of Securities
has not been reached under the foregoing&nbsp;clauses (A)&nbsp;and&nbsp;(B), the Common Stock or other Equity Securities that PubCo
desires to sell, which can be sold without exceeding the Maximum Number of Securities; and (D)&nbsp;fourth, to the extent that
the Maximum Number of Securities has not been reached under the foregoing&nbsp;clauses (A),&nbsp;(B)&nbsp;and&nbsp;(C), the Common
Stock or other Equity Securities, if any, for the account of other Persons that PubCo is obligated to register pursuant to Other
Registration Agreements, which can be sold without exceeding the Maximum Number of Securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding anything
to the contrary in this&nbsp;<U>Section 3.2(b)</U>, in the event a Demanding Holder has submitted notice for a bona fide Underwritten
Shelf Takedown or Demand Registration and all sales pursuant to such Underwritten Shelf Takedown or Demand Registration pursuant
to&nbsp;<U>Section 3.1</U>&nbsp;have not been effected in accordance with the applicable plan of distribution or submitted a Withdrawal
Notice prior to such time that PubCo has given written notice of a Piggyback Registration to all Holders pursuant to&nbsp;<U>Section
3.2</U>, then any reduction in the number of Registrable Securities to be offered in such offering shall be determined in accordance
with&nbsp;<U>Section 3.1(d)</U>, instead of this&nbsp;<U>Section 3.2(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><U>Piggyback Registration Withdrawal</U>. Any Holder shall have the right to withdraw from
a Piggyback Registration for any or no reason whatsoever upon written notification to PubCo and the Underwriter or Underwriters
(if any) of such Holder&#8217;s intention to withdraw from such Piggyback Registration prior to the effectiveness of the Registration
Statement filed with the SEC with respect to such Piggyback Registration or, in the case of a Piggyback Registration pursuant to
a Shelf Registration, the filing of the applicable &#8220;red herring&#8221; prospectus or prospectus supplement with respect to
such Piggyback Registration used for marketing such transaction. PubCo (whether on its own good faith determination or as the result
of a request for withdrawal by Persons pursuant to separate written contractual obligations) may withdraw a Registration Statement
filed with the SEC in connection with a Piggyback Registration (which, in no circumstance, shall include the Shelf) at any time
prior to the effectiveness of such Registration Statement. Notwithstanding anything to the contrary set forth in this Investor
Rights Agreement, PubCo shall be responsible for the Registration Expenses</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">incurred in connection with the Piggyback
Registration prior to its withdrawal under this&nbsp;<FONT STYLE="font-size: 10pt"><U>Section 3.2(c)</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding anything herein to the contrary, this&nbsp;<U>Section 3.2</U>&nbsp;shall not
apply (a)&nbsp;for any Holder or Party, prior to the expiration of the&nbsp;Lock-Up&nbsp;Period in respect of such Holder or Party
or (b)&nbsp;to any Demand Registration or any Shelf Take-Down irrespective of whether such Shelf Take-Down is an Underwritten Shelf
Take-Down or not an Underwritten Shelf Take-Down.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Restriction
on Transfer</U></FONT><FONT STYLE="font-size: 10pt">. In connection with any Underwritten Offering of Equity Securities of PubCo
and if required by the managing underwriter(s), each Holder that holds more than one percent (1%) of the issued and outstanding
Common Stock (after giving effect to the exchange of all outstanding Class A Common Units for Class&nbsp;A Common Stock), agrees
that it shall not Transfer any Common Stock (other than those included in such offering pursuant to this Investor Rights Agreement),
without the prior written consent of PubCo, during the ten (10) Business Days prior (to the extent notice of such Underwritten
Offering has been provided) to and the 90-day period beginning on the date of pricing of such offering, except in the event the
Underwriter managing the offering otherwise agrees by written consent, and further agrees to execute a customary&nbsp;lock-up&nbsp;agreement
in favor of the Underwriters to such effect (in each case on substantially the same terms and conditions as all such Holders).
Notwithstanding the foregoing, a Holder shall not be subject to this&nbsp;<U>Section 3.3</U>&nbsp;with respect to an Underwritten
Offering unless each Holder that holds at least one percent (1%) of the issued and outstanding Common Stock (after giving effect
to the exchange of all outstanding Class A Common Units), each other Holder that is participating in the Underwritten Offering,
and each of PubCo&#8217;s directors and executive officers have executed a&nbsp;lock-up&nbsp;on terms at least as restrictive with
respect to such Underwritten Offering as requested of the Holders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>General
Procedures</U></FONT><FONT STYLE="font-size: 10pt">. In connection with effecting any Registration and/or Shelf Takedown, subject
to applicable Law and any regulations promulgated by any securities exchange on which PubCo&#8217;s Equity Securities are then
listed, each as interpreted by PubCo with the advice of its counsel, PubCo shall use its reasonable best efforts (except as set
forth in&nbsp;clause (d)&nbsp;below) to effect such Registration to permit the sale of the Registrable Securities included in such
Registration in accordance with the intended plan of distribution thereof, and pursuant thereto PubCo shall use its commercially
reasonable efforts to, as expeditiously as possible:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">prepare and file with the SEC as soon as practicable a Registration Statement with respect
to such Registrable Securities and, subject to the applicable terms of this Investor Rights Agreement, cause such Registration
Statement to become effective and remain effective until all Registrable Securities covered by such Registration Statement have
been sold;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">prepare and file with the SEC such amendments and post-effective amendments to the Registration
Statement, and such supplements to the Prospectus, as may be reasonably requested by any Holder or as may be required by the rules,
regulations or instructions applicable to the registration form used by PubCo or by the Securities Act or rules and regulations
thereunder to keep the Registration Statement effective until all Registrable Securities covered by such Registration Statement
are sold in accordance with the intended plan of distribution set forth in such Registration Statement or supplement to the Prospectus;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">at least three (3) calendar days prior to filing a Registration Statement or Prospectus, or
any amendment or supplement thereto, furnish without charge to the Underwriters, if any, and the Holders of Registrable Securities
included in such Registration, and such Holders&#8217; legal counsel, if any, as applicable, copies of such Registration Statement
as proposed to be filed, each amendment and supplement to such Registration Statement (in each case including all exhibits thereto
and documents incorporated by reference therein), the Prospectus included in such Registration</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Statement (including each preliminary Prospectus),
or such other documents as the Underwriters or the Holders of Registrable Securities included in such Registration or the legal
counsel for any such Holders, if any, may reasonably request in order to facilitate the disposition of the Registrable Securities
owned by such Holders;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">prior to any public offering of Registrable Securities, use its best efforts to (i)&nbsp;register
or qualify the Registrable Securities covered by the Registration Statement under such securities or &#8220;blue sky&#8221; Laws
of such jurisdictions in the United States as the Holders of Registrable Securities included in such Registration Statement (in
light of their intended plan of distribution) may request (or provide evidence satisfactory to such Holders that the Registrable
Securities are exempt from such registration or qualification), and (ii)&nbsp;take such action necessary to cause such Registrable
Securities covered by the Registration Statement to be registered with or approved by such other Governmental Entities as may be
necessary by virtue of the business and operations of PubCo and do any and all other acts and things that may be necessary or advisable
to enable the Holders of Registrable Securities included in such Registration Statement to consummate the disposition of such Registrable
Securities in such jurisdictions;&nbsp;<I>provided,&nbsp;however, </I>that PubCo shall not be required to qualify generally to
do business in any jurisdiction where it would not otherwise be required to qualify or take any action to which it would be subject
to general service of process (other than service of process in connection with such qualification or any sale of Registrable Securities
in connection therewith) in any such jurisdiction where it is not then otherwise so subject;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">cause all such Registrable Securities to be listed on each securities exchange or automated
quotation system on which similar securities issued by PubCo are then listed;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">provide a transfer agent or warrant agent, as applicable, and registrar for all such Registrable
Securities no later than the effective date of such Registration Statement;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">advise each Holder of Registrable Securities covered by a Registration Statement, promptly
after it shall receive notice or obtain knowledge thereof, of the issuance of any stop order by the SEC suspending the effectiveness
of such Registration Statement or the initiation or threatening of any proceeding for such purpose and promptly use its reasonable
best efforts to prevent the issuance of any stop order or to obtain its withdrawal if such stop order should be issued;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">furnish to each seller of Registrable Securities under a Registration Statement or Prospectus
such number of copies of such Registration Statement, each amendment and supplement thereto, the Prospectus included in such Registration
Statement (including each preliminary prospectus), each Free-Writing Prospectus and such other documents as such seller may reasonably
request in order to facilitate the disposition of the Registrable Securities owned by such seller;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">notify the Holders at any time when a Prospectus relating to such Registration Statement is
required to be delivered under the Securities Act, of the happening of any event as a result of which the Prospectus included in
such Registration Statement, as then in effect, includes a Misstatement, and then to correct such Misstatement as set forth in&nbsp;<U>Section
3.7</U>;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">permit Representatives of the Holders, the Underwriters, if any, and any attorney, consultant
or accountant retained by such Holders or Underwriter to participate, at each such Person&#8217;s own expense except to the extent
such expenses constitute Registration Expenses, in the preparation of the Registration Statement, and cause PubCo&#8217;s officers,
directors and employees to supply all information reasonably requested by any such Representative, Underwriter, attorney, consultant
or accountant in connection with the Registration;&nbsp;provided, however, that such Persons agree to confidentiality arrangements
reasonably satisfactory to PubCo, prior to the release or disclosure of any such information;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <FONT STYLE="font-size: 10pt">obtain a &#8220;cold comfort&#8221; letter, and a bring-down thereof, from PubCo&#8217;s
independent registered public accountants in the event of an Underwritten Offering which the participating Holders may rely on,
in customary form and covering such matters of the type customarily covered by &#8220;cold comfort&#8221; letters as the managing
Underwriter may reasonably request, and reasonably satisfactory to a&nbsp;majority-in-interest&nbsp;of the participating Holders;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">on the date the Registrable Securities are delivered for sale pursuant to such Registration,
obtain an opinion and negative assurances letter, dated such date, of counsel representing PubCo for the purposes of such Registration,
addressed to the Holders, the placement agent or sales agent, if any, and the Underwriters, if any, covering such legal matters
with respect to the Registration in respect of which such opinion is being given as the Holders, placement agent, sales agent,
or Underwriter may reasonably request and as are customarily included in such opinions and negative assurance letters,;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">in the event of any Underwritten Offering, enter into and perform its obligations under an
underwriting agreement, in usual and customary form, with the managing Underwriter of such offering;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make available to its security holders, as soon as reasonably practicable, an earnings statement
covering the period of at least twelve (12) months beginning within three months after the effective date of the Registration Statement
which satisfies the provisions of Section&nbsp;11(a) of the Securities Act and Rule 158 thereunder (or any successor rule promulgated
thereafter by the SEC);</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">if an Underwritten Offering involves Registrable Securities with a total offering price (including
piggyback securities and before deduction of underwriting discounts) reasonably expected to exceed, in the aggregate, fifty million
dollars ($50,000,000), use its reasonable best efforts to make available senior executives of PubCo to participate in customary
 &#8220;road show&#8221; presentations that may be reasonably requested by the Underwriter in such Underwritten Offering; and</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(p)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">otherwise, in good faith, cooperate reasonably with, and take such customary actions as may
reasonably be requested, by the Holders, in connection with such Registration.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Registration
Expenses</U></FONT><FONT STYLE="font-size: 10pt">. The Registration Expenses of all Registrations shall be borne by PubCo. It is
acknowledged by the Holders that the Holders selling any Registrable Securities in an offering shall bear all incremental selling
expenses relating to the sale of Registrable Securities (including all reasonable fees and expenses of any legal counsel representing
such Holders (to the extent such counsel is not also representing PubCo, as determined in accordance with clause (f)&nbsp;of the
definition of &#8220;<U>Registration Expenses</U>&#8221;)), such as Underwriters&#8217; commissions and discounts, brokerage fees,
Underwriter marketing costs, in each case pro rata based on the number of Registrable Securities that such Holders have sold in
such Registration.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Requirements
for Participating in Underwritten Offerings</U></FONT><FONT STYLE="font-size: 10pt">. Notwithstanding anything to the contrary
contained in this Investor Rights Agreement, if any Holder does not provide PubCo or the managing underwriter, if any, with its
requested Holder Information, PubCo may exclude such Holder&#8217;s Registrable Securities from the applicable Registration Statement
or Prospectus if PubCo determines, based on the advice of counsel, that such information is necessary to effect the registration
and such Holder continues thereafter to withhold such information. No Person may participate in any Underwritten Offering of Equity
Securities of PubCo pursuant to a Registration under this Investor Rights Agreement unless, on or prior to the later of (i) the
fifth (5<SUP>th</SUP>) Business Day following the date on which documents or other information are requested from such Holder and
(ii) the second (2<SUP>nd</SUP>) Business Day prior to the first anticipated filing date of a Registration Statement or Prospectus
pursuant to this Investor Rights Agreement, such Person (a)&nbsp;agrees to sell such Person&#8217;s</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Registrable Securities on the basis provided
in any underwriting and other arrangements approved by PubCo in the case of an Underwritten Offering of Equity Securities initiated
by PubCo, and approved by the Demanding Holders in the case of an Underwritten Offering initiated by the Demanding Holders, and
(b)&nbsp;completes and executes all customary questionnaires, powers of attorney, custody agreements, indemnities,&nbsp;lock-up&nbsp;agreements,
underwriting agreements and other customary documents as may be reasonably required under the terms of such underwriting arrangements.
Subject to the minimum thresholds set forth in&nbsp;<FONT STYLE="font-size: 10pt"><U>Section 3.1(c)</U>&nbsp;and&nbsp;<U>3.4(o)</U>,
the exclusion of a Holder&#8217;s Registrable Securities as a result of this&nbsp;<U>Section 3.6</U>&nbsp;shall not affect the
registration of the other Registrable Securities to be included in such Registration.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Suspension
of Sales; Adverse Disclosure</U></FONT><FONT STYLE="font-size: 10pt">. Upon receipt of written notice from PubCo that a Registration
Statement or Prospectus contains a Misstatement, each of the Holders shall forthwith discontinue disposition of Registrable Securities
until it has received copies of a supplemented or amended Prospectus correcting the Misstatement (and PubCo hereby covenants to
prepare and file such supplement or amendment as soon as practicable after giving such notice), or until it is advised in writing
by PubCo that the use of the Prospectus may be resumed. If the filing, initial effectiveness or continued use of a Registration
Statement in respect of any Registration at any time would require PubCo to make an Adverse Disclosure or would require the inclusion
in such Registration Statement of financial statements that are unavailable to PubCo for reasons beyond PubCo&#8217;s control,
PubCo may, upon giving prompt written notice of such action to the Holders, delay the filing or initial effectiveness of, or suspend
use of, such Registration Statement for the shortest period of time, but in no event more than ninety (90) days in any&nbsp;12-month&nbsp;period,
determined in good faith by PubCo to be necessary for such purpose. In the event PubCo exercises its rights under the preceding
sentence, the Holders agree to suspend, immediately upon their receipt of the notice referred to above, their use of the Prospectus
relating to such Registration in connection with any sale or offer to sell Registrable Securities. PubCo shall immediately notify
the Holders of the expiration of any period during which it exercised its rights under this&nbsp;<U>Section 3.7</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Reporting
Obligations</U></FONT><FONT STYLE="font-size: 10pt">. As long as any Holder shall own Registrable Securities, PubCo, at all times
while it shall be a reporting company under the Exchange Act, covenants to file, timely (or obtain extensions in respect thereof
and file within the applicable grace period) all reports required to be filed by PubCo after the Effective Date pursuant to Sections
13(a) or 15(d) of the Exchange Act and, upon receipt of request from a Holder, to promptly furnish such Holder(s) with true and
complete copies of all such filings;&nbsp;<I>provided&nbsp;that</I> any documents publicly filed or furnished with the SEC pursuant
to the Electronic Data Gathering, Analysis and Retrieval System shall be deemed to have been furnished to the Holders pursuant
to this&nbsp;<U>Section 3.8</U>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Other
Obligations</U></FONT><FONT STYLE="font-size: 10pt">. In connection with a Transfer of Registrable Securities exempt from Section&nbsp;5
of the Securities Act or through any broker-dealer transactions described in the plan of distribution set forth within the Prospectus
and pursuant to the Registration Statement of which such Prospectus forms a part, PubCo shall, subject to applicable Law, as interpreted
by PubCo with the advice of counsel, and the receipt of any customary documentation required from the applicable Holders in connection
therewith, (a)&nbsp;promptly instruct its transfer agent to remove any restrictive legends applicable to the Registrable Securities
being Transferred, and (b)&nbsp;cause its legal counsel to deliver the necessary legal opinions, if any, to the transfer agent
in connection with the instruction under&nbsp;clause (a). In addition, PubCo shall cooperate reasonably with, and take such customary
actions as may reasonably be requested by the Holders, in connection with the aforementioned Transfers;&nbsp;provided, however,
that PubCo shall have no obligation to participate in any &#8220;road shows&#8221; or assist with the preparation of any offering
memoranda or related documentation with respect to any Transfer of Registrable Securities in any transaction that does not constitute
an Underwritten Offering.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp; </FONT></FONT><U>Indemnification
and Contribution</U><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">PubCo agrees to indemnify and hold harmless each Holder, its officers, managers, directors,
trustees, equityholders, beneficiaries, affiliates, agents and Representatives and each Person who controls such Holder (within
the meaning of the Securities Act) against all losses, claims, damages, losses, liabilities and expenses (including attorneys&#8217;
fees) (or actions in respect thereto) caused by, resulting from, arising out of or based upon (i)&nbsp;any untrue or alleged untrue
statement of material fact contained in any Registration Statement, Prospectus or preliminary Prospectus or similar document incident
to any Registration, qualification, compliance or sale effected pursuant to this&nbsp;<U>Article III</U>&nbsp;or any amendment
thereof or supplement thereto, or any omission or alleged omission of a material fact required to be stated therein or necessary
to make the statements therein not misleading, or (ii)&nbsp;any violation or alleged violation by PubCo of the Securities Act or
any other similar federal or state securities Laws, and will reimburse, as incurred, each such Holder, its officers, managers,
directors, trustees, equityholders, beneficiaries, affiliates, agents and Representatives and each Person who controls such Holder
(within the meaning of the Securities Act) for any legal and any other out-of-pocket expenses actually and reasonably incurred
in connection with investigating or defending any such claim, loss, damage, liability or action;&nbsp;<I>provided&nbsp;that</I>,
PubCo will not be liable in any such case to the extent that any such claim, damage, loss, liability or expense are caused by or
arises out of or is based on any untrue statement or omission made in reliance and in conformity with written information furnished
to PubCo by or on behalf of such Holder expressly for use therein. PubCo shall indemnify the Underwriters, their officers and directors
and each Person who controls such Underwriters (within the meaning of the Securities Act) to the same extent as provided in the
foregoing sentence with respect to the indemnification of each Holder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In connection with any Registration Statement in which a Holder of Registrable Securities
is participating, such Holder shall furnish to PubCo in writing such information and affidavits as PubCo reasonably requests for
use in connection with any such Registration Statement or Prospectus (the &#8220;<U>Holder Information</U>&#8221;) and, to the
extent permitted by Law, such Holder shall indemnify and hold harmless PubCo, its directors, officers, employees, equityholders,
affiliates and agents and each Person who controls PubCo (within the meaning of the Securities Act) against any losses, claims,
damages, liabilities and expenses (including reasonable attorneys&#8217; fees) (or actions in respect thereof) arising out of,
resulting from or based on any untrue statement of material fact contained in the Registration Statement, Prospectus or preliminary
Prospectus or similar document or any amendment thereof or supplement thereto, or any omission of a material fact required to be
stated therein or necessary to make the statements therein not misleading, but only to the extent that such untrue statement or
omission is contained in any information or affidavit so furnished in writing by or on behalf of such Holder expressly for use
therein;&nbsp;<I>provided, however</I>, that the obligation to indemnify shall be several, not joint and several, among such Holders
of Registrable Securities, and the liability of each such Holder of Registrable Securities shall be in proportion to and limited
to the net proceeds received by such Holder from the sale of Registrable Securities pursuant to such Registration Statement. The
Holders of Registrable Securities shall indemnify the Underwriters, their officers, directors and each Person who controls such
Underwriters (within the meaning of the Securities Act) to the same extent as provided in the foregoing sentence with respect to
indemnification of PubCo.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Any Person entitled to indemnification under this&nbsp;<U>Section 3.10</U>&nbsp;shall (i)&nbsp;give
prompt written notice, after such Person has actual knowledge thereof, to the indemnifying party of any claim with respect to which
such Person seeks indemnification (provided that the failure to give prompt notice shall not impair any Person&#8217;s right to
indemnification hereunder to the extent such failure has not materially prejudiced the indemnifying party in the defense of any
such claim or any such litigation) and (ii)&nbsp;permit such indemnifying party to assume the defense of such claim with a single</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">legal counsel reasonably satisfactory to
the indemnified party (not be unreasonably withheld, conditioned or delayed) and the indemnified party may participate in such
defense at the indemnifying party&#8217;s expense if representation of such indemnified party would be inappropriate due to actual
or potential differing interests between such indemnified party and any other party represented by such counsel in such proceeding.
An indemnifying party, in the defense of any such claim or litigation, without the consent of each indemnified party, may only
consent to the entry of any judgment or enter into any settlement that (i)&nbsp;includes as a term thereof the giving by the claimant
or plaintiff therein to such indemnified party of an unconditional release from all liability with respect to such claim or litigation,
and (ii)&nbsp;does not include any recovery (including any statement as to or an admission of fault, culpability or a failure to
act by or on behalf of such indemnified party) other than monetary damages, and provided, that any sums payable in connection with
such settlement are paid in full by the indemnifying party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The indemnification provided under this Investor Rights Agreement shall remain in full force
and effect regardless of any investigation made by or on behalf of the indemnified party or any officer, manager, director, Representative
or controlling Person of such indemnified party and shall survive the Transfer of securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">If the indemnification provided in this&nbsp;<U>Section 3.10</U>&nbsp;from the indemnifying
party is unavailable or insufficient to hold harmless an indemnified party in respect of any losses, claims, damages, liabilities
and expenses referred to herein, then the indemnifying party, in lieu of indemnifying the indemnified party, shall contribute to
the amount paid or payable by the indemnified party as a result of such losses, claims, damages, liabilities and expenses in such
proportion as is appropriate to reflect the relative fault of the indemnifying party and the indemnified party, as well as any
other relevant equitable considerations. The relative fault of the indemnifying party and indemnified party shall be determined
by reference to, among other things, whether any action in question, including any untrue or alleged untrue statement of a material
fact or omission or alleged omission to state a material fact, was made by, or relates to information supplied by, such indemnifying
party or indemnified party, and the indemnifying party&#8217;s and indemnified party&#8217;s relative intent, knowledge, access
to information and opportunity to correct or prevent such action;&nbsp;provided, however, that the liability of any Holder under
this&nbsp;<U>Section 3.10(e)</U>&nbsp;shall be limited to the amount of the net proceeds received by such Holder in such offering
giving rise to such liability. The amount paid or payable by a Party as a result of the losses or other liabilities referred to
above shall be deemed to include, subject to the limitations set forth in&nbsp;<U>Sections&nbsp;3.10(a)</U>,&nbsp;<U>3.10(b)</U>&nbsp;and&nbsp;<U>3.10(c)</U>,
any out-of-pocket legal or other fees, charges or expenses actually and reasonably incurred by such Party in connection with any
investigation or proceeding. The Parties agree that it would not be just and equitable if contribution pursuant to this&nbsp;<U>Section
3.1(e)</U>&nbsp;were determined by pro rata allocation or by any other method of allocation, which does not take account of the
equitable considerations referred to in this&nbsp;<U>Section 3.1(e)</U>. No Person guilty of fraudulent misrepresentation (within
the meaning of Section&nbsp;11(f) of the Securities Act) shall be entitled to contribution pursuant to this&nbsp;<U>Section 3.1(e)</U>&nbsp;from
any Person who was not guilty of such fraudulent misrepresentation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Other
Registration Rights</U></FONT><FONT STYLE="font-size: 10pt">. Other than the registration rights set forth in the Original RRA
and in the Warrant Agreement, PubCo represents and warrants that no Person, other than a Holder of Registrable Securities pursuant
to this Investor Rights Agreement, has any right to require PubCo to register any securities of PubCo for sale or to include such
securities of PubCo in any Registration Statement filed by PubCo for the sale of securities for its own account or for the account
of any other Person. Further, each of PubCo and the Founder Holders represents and warrants that this Investor Rights Agreement
supersedes any other registration rights agreement or agreement (including the Original RRA), other than the Warrant Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.12<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><U>Rule&nbsp;144</U><FONT STYLE="font-size: 10pt">.
With a view to making available to the Holders the benefits of Rule 144 promulgated under the Securities Act, PubCo covenants
that it will (a)&nbsp;make available at all times information necessary to comply with Rule 144, if such Rule is available with
respect to resales of the Registrable Securities under the Securities Act, and (b)&nbsp;take such further action as the Holders
may reasonably request, all to the extent required from time to time to enable them to sell Registrable Securities without registration
under the Securities Act within the limitation of the exemptions provided by Rule 144 promulgated under the Securities Act (if
available with respect to resales of the Registrable Securities), as such rule may be amended from time to time. Upon the request
of any Holder, PubCo will deliver to such Holder a written statement as to whether PubCo has complied with such information requirements,
and, if not, the reasons for&nbsp;non-compliance to the extent such information does not constitute disclosure of material&nbsp;non-public&nbsp;information.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.13<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Term</U></FONT><FONT STYLE="font-size: 10pt">.&nbsp;<U>Article
III</U>&nbsp;shall terminate with respect to any Holder on the date that such Holder no longer holds any Registrable Securities.
The provisions of&nbsp;<U>Section 3.10</U>&nbsp;shall survive any such termination with respect to such Holder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.14<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Holder
Information</U></FONT><FONT STYLE="font-size: 10pt">. Each Holder agrees, if requested in writing by PubCo, to represent to PubCo
the total number of Registrable Securities held by such Holder in order for PubCo to make determinations under this Investor Rights
Agreement, including for purposes of&nbsp;<U>Section 3.12</U>. Other than the Members and the Founder Holders, a Party who does
not hold Registrable Securities as of the Closing Date and who acquires Registrable Securities after the Closing Date will not
be a &#8220;Holder&#8221; until such Party gives PubCo a representation in writing of the number of Registrable Securities it holds.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.15<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Termination
of Original RRA</U></FONT><FONT STYLE="font-size: 10pt">. Upon the Closing, PubCo, the Founder Holders and the Underwriter Holders
hereby agree that the Original RRA and all of the respective rights and obligations of the parties thereunder are hereby terminated
in their entirety and shall be of no further force or effect.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.16<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Distributions;
Direct Ownership</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In the event that the Sponsor distributes all of its Registrable Securities to its members,
the members of the Sponsor shall be treated as the Sponsor under this Investor Rights Agreement;&nbsp;provided&nbsp;that such members
of the Sponsor, taken as a whole, shall not be entitled to rights in excess of those conferred on the Sponsor, as if the Sponsor
remained a single entity party to this Investor Rights Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding anything to the contrary contained herein, in the event that the members of
the Sponsor hold any Registrable Securities directly, the members of the Sponsor shall be treated as the Sponsor under this Investor
Rights Agreement;&nbsp;provided&nbsp;that the members of the Sponsor, taken as a whole, shall not be entitled to rights in excess
of those conferred on the Sponsor, as if the Sponsor remained a single entity party to this Investor Rights Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In the event that a Member distributes all of its Registrable Securities to its members, such
distributees shall be treated as a Member under this Investor Rights Agreement;&nbsp;provided&nbsp;that such distributees, taken
as a whole, shall not be entitled to rights in excess of those conferred on a Member, as if such Member remained a single party
to this Investor Rights Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding the foregoing, no distribution for purposes of this&nbsp;<U>Section 3.16</U>&nbsp;may
occur prior to the conclusion of any&nbsp;Lock-Up&nbsp;Period applicable to the Sponsor or such Member, as applicable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
3.17<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><U>Adjustments</U><FONT STYLE="font-size: 10pt">.
If there are any changes in the Common Stock as a result of stock split, stock dividend, combination or reclassification, or through
merger, consolidation, recapitalization or other similar event, appropriate adjustment shall be made in the provisions of this
Investor Rights Agreement, as may be required, so that the rights, privileges, duties and obligations under this Investor Rights
Agreement shall continue with respect to the Common Stock as so changed.</FONT></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">Article
IV<FONT STYLE="font-size: 10pt"><BR>
LOCK-UP</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
4.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Lock-Up</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each Holder (other than the Underwriter Holders) severally, and not jointly, agrees with PubCo not to effect any Transfer,
or make a public announcement of any intention to effect such Transfer, of any&nbsp;Lock-Up&nbsp;Shares (as defined below) Beneficially
Owned or otherwise held by such Person during the&nbsp;Lock-Up&nbsp;Period (as defined below) applicable to such Person;&nbsp;provided,
that such prohibition shall not apply to Transfers (i)&nbsp;permitted pursuant to&nbsp;<U>Section 4.2</U>, (ii) permitted pursuant
to&nbsp;<U>Article III</U>, (iii)&nbsp;to PubCo of Class&nbsp;V Voting Stock Beneficially Owned by the Members in connection with
the sale by the Members to the Operating Company of any Redeemed Post-Closing Company Units in accordance with the BCA, (iv)&nbsp;by
any Member following the Member&nbsp;Lock-Up&nbsp;Period (as defined below), (v)&nbsp;pursuant to the exchange of Class A Common
Units for Class A Common Stock and of Class V Voting Stock for Class A Common Units in accordance with the terms and conditions
of the Company A&amp;R LLCA, (vi) by Joseph Moglia following the Moglia Lock-Up Period (as defined below), or (vii) by any Founder
Holder other than Joseph Moglia following the Founder Holder&nbsp;Lock-Up&nbsp;Period (as defined below). The &#8220;<U>Member&nbsp;Lock-Up&nbsp;Period</U>&#8221;
shall be the period commencing on the Closing Date and continuing until the date that is nine (9) months after the Closing Date;&nbsp;provided&nbsp;that,
the Member&nbsp;Lock-Up&nbsp;Period with respect to any Members Earnout Company Units and the Earnout Voting Shares shall not end
prior to the date that such Members Earnout Company Units and Earnout Voting Shares are earned in accordance with the BCA. The
 &#8220;<U>Moglia Lock-Up Period&#8221; </U>shall be the period commencing on the Closing Date and continuing until the date that
is twenty-four (24) months after the Closing Date. The &#8220;<U>Founder Holder&nbsp;Lock-Up&nbsp;Period</U>&#8221; shall be (i)
(x) with respect to 50% of the shares of Class A Common Stock issued in connection with the Class B Common Stock Conversion, the
earlier of (A) one year after the Closing Date and (B) the date on which the closing price of the Class A Common Stock equals or
exceeds $12.00 per share (as adjusted for stock splits, stock dividends, reorganizations and recapitalizations) for any 20 trading
days within any 30-trading day period commencing after the Closing Date, and (y) with respect to the remaining 50% of the shares
of Class A Common Stock issued in connection with the Class B Common Stock Conversion, one year after the Closing Date, or earlier,
in each case, if, the Company consummates a subsequent liquidation, merger, capital stock exchange, reorganization or other similar
transaction that results in all of the Company&#8217;s stockholders having the right to exchange their shares of Class A Common
Stock for cash, securities or other property, and (ii) with respect to any (x) Private Placement Units (or any securities underlying
the Private Placement Units, including the shares of Class A Common Stock and the Warrants included in the Private Placement Units
and the shares of Class A Common Stock issued or issuable upon exercise of such Warrants) held by them or (y) any Warrants (or
any shares of Class A Common Stock issued or issuable upon the exercise of the Warrants) held by them, until 30 days after the
Closing Date. &#8220;<U>Lock-Up&nbsp;Period</U>&#8221; means with respect to the Members (including any Person who succeeds to
such Member&#8217;s rights under this Investor Rights Agreement pursuant to&nbsp;<U>Section 5.1</U>), the Member&nbsp;Lock-Up&nbsp;Period,
with respect to Joseph Moglia (including any Person who succeeds to his rights under this Investor Rights Agreement pursuant to&nbsp;<U>Section
5.1</U>), the Moglia Lock-Up Period, and with respect to the Founder Holders other than Joseph Moglia (including any Person who
succeeds to such Founder Holder&#8217;s rights under this Investor Rights Agreement pursuant to&nbsp;<U>Section 5.1</U>), the Founder
Holder&nbsp;Lock-Up&nbsp;Period. &#8220;<U>Lock-Up&nbsp;Shares</U>&#8221; means&nbsp;the Equity Securities in PubCo and the Operating
Company held by the Holders, directly or indirectly, as of the Closing Date, including the Warrants (or any shares of Class&nbsp;A
Common Stock resulting from the exercise of any Warrant), Class&nbsp;A Common Stock, Class&nbsp;V Voting Stock, and the Class A</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Common Units held by the Members or the
Founder Holders as of the Closing Date; provided that, solely with respect to Joseph Moglia, such term shall only apply to Equity
Securities held directly by Mr. Moglia and any Equity Securities which are distributed or distributable by the Sponsor to Mr. Moglia.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">During the&nbsp;Lock-Up&nbsp;Period, any purported Transfer of&nbsp;Lock-Up&nbsp;Shares other
than in accordance with this Investor Rights Agreement shall be null and void, and PubCo shall refuse to recognize any such Transfer
for any purpose.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Holders acknowledge and agree that, notwithstanding anything to the contrary contained
in this Investor Rights Agreement, the Equity Securities in the Operating Company (including the Retained Company Units and the
Earnout Company Units), the Earnout Voting Shares, shares of Class&nbsp;V Voting Stock and shares of Class&nbsp;A Common Stock,
in each case, Beneficially Owned by such Person shall remain subject to any restrictions on Transfer under applicable securities
Laws of any Governmental Entity, including all applicable holding periods under the Securities Act and other rules of the SEC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
4.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Permitted
Transfers</U></FONT><FONT STYLE="font-size: 10pt">. Notwithstanding anything to the contrary contained in this Investor Rights
Agreement, during the&nbsp;Lock-Up&nbsp;Period applicable to such Person, the Holders may Transfer, without the consent of PubCo,
any of such Person&#8217;s&nbsp;Lock-Up&nbsp;Shares to (i)&nbsp;any of such Person&#8217;s Permitted Transferees (other than pursuant
to clause (e) of the definition thereof), upon written notice to PubCo and, in the case of such a Transfer by a Founder Holder
or its Permitted Transferees, the Members&#8217; Representative, and in the case of such a Transfer by a Member or its Permitted
Transferees, the Sponsor or (ii)&nbsp;(a) a charitable organization, upon written notice to PubCo and, in the case of such a Transfer
by a Founder Holder or its Permitted Transferees, the Members&#8217; Representative, and in the case of such a Transfer by a Member
or its Permitted Transferees, the Sponsor; (b)&nbsp;in the case of an individual, by virtue of Laws of descent and distribution
upon death of the individual; (c)&nbsp;in the case of an individual, pursuant to a qualified domestic relations order; or (d)&nbsp;pursuant
to any liquidation, merger, stock exchange or other similar transaction which results in all of PubCo&#8217;s stockholders having
the right to exchange their shares of Common Stock for cash, securities or other property subsequent to the Business Combination;&nbsp;provided,
that in connection with any Transfer of such&nbsp;Lock-Up&nbsp;Shares pursuant to&nbsp;clause (ii)(a), clause (ii)(b)&nbsp;or&nbsp;clause
(ii)(c)&nbsp;above, (x)&nbsp;the restrictions and obligations contained in&nbsp;<U>Section 4.1</U>&nbsp;and this&nbsp;<U>Section
4.2</U>&nbsp;will continue to apply to such&nbsp;Lock-Up&nbsp;Shares after any Transfer of such&nbsp;Lock-Up&nbsp;Shares, and (y)&nbsp;the
Transferee of such&nbsp;Lock-Up&nbsp;Shares shall have no rights under this Investor Rights Agreement, unless, for the avoidance
of doubt, such Transferee is a Permitted Transferee in accordance with this Investor Rights Agreement. Any Transferee of&nbsp;Lock-Up&nbsp;Shares
that is a Permitted Transferee of the Transferor shall be required, at the time of and as a condition to such Transfer, to become
a party to this Investor Rights Agreement and, if applicable, and the Amended Sponsor Letter,&nbsp;by executing and delivering
a joinder in the form attached to this Investor Rights Agreement as&nbsp;<U>Exhibit A</U>, whereupon such Transferee will be treated
as a Party (with the same rights and obligations as the Transferor) for all purposes of this Investor Rights Agreement and, if
applicable, the Amended Sponsor Letter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
4.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Other&nbsp;Lock-Up&nbsp;Restrictions</U></FONT><FONT STYLE="font-size: 10pt">.
Each of PubCo and the Founder Holders hereby acknowledge and agree that this&nbsp;<U>Article IV</U>&nbsp;supersedes Section&nbsp;7
of the Amended Sponsor Letter in all respects, and, upon execution of this Investor Rights Agreement by each of PubCo and the Founder
Holders, the Amended Sponsor Letter shall be deemed amended to remove Section&nbsp;7 of the Amended Sponsor Letter.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">Article
V<BR>
GENERAL PROVISIONS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.1<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Assignment;
Successors and Assigns; No Third-Party Beneficiaries</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except as otherwise permitted pursuant to this Investor Rights Agreement, and other than assignments
in connection with a distribution pursuant to&nbsp;<U>Section 3.16</U>, no Party may assign such Party&#8217;s rights and obligations
under this Investor Rights Agreement, in whole or in part, without the prior written consent of the Members&#8217; Representative,
in the case of an assignment by the Sponsor, or the Sponsor, in the case of an assignment by a Member. Any such assignee may not
again assign those rights, other than in accordance with this&nbsp;<U>Article V</U>. Any attempted assignment of rights or obligations
in violation of this&nbsp;<U>Article V</U>&nbsp;shall be null and void.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding anything to the contrary contained in this Investor Rights Agreement (other
than the succeeding sentence of this&nbsp;<U>Section 5.1(b)</U>), (i) prior to the expiration of the&nbsp;Lock-Up&nbsp;Period applicable
to such Holder, no Holder may Transfer such Holder&#8217;s rights or obligations under this Investor Rights Agreement in connection
with a Transfer of such Holder&#8217;s Registrable Securities, in whole or in part, except in connection with a Transfer pursuant
to&nbsp;<U>Section 4.2</U>; and (ii)&nbsp;after the expiration of the&nbsp;Lock-Up&nbsp;Period applicable to such Holder, a Holder
may Transfer such Holder&#8217;s rights or obligations under this Investor Rights Agreement in connection with a Transfer of such
Holder&#8217;s Registrable Securities, in whole or in part, to (x)&nbsp;any of such Holder&#8217;s Permitted Transferees, or (y)&nbsp;any
Person with the prior written consent of PubCo. In no event can the SCG Holders&#8217; Representative assign any of such Person&#8217;s
rights under&nbsp;<U>Section 2.1</U>. Any Transferee of Registrable Securities (other than pursuant to an effective Registration
Statement or a Rule 144 transaction) pursuant to this&nbsp;<U>Section 5.1(b)</U>&nbsp;shall be required, at the time of and as
a condition to such Transfer, to become a party to this Investor Rights Agreement by executing and delivering a joinder in the
form attached to this Investor Rights Agreement as&nbsp;<U>Exhibit A</U>, whereupon such Transferee will be treated as a Party
(with the same rights and obligations as the Transferor) for all purposes of this Investor Rights Agreement. No Transfer of Registrable
Securities by a Holder shall be registered on PubCo&#8217;s books and records, and such Transfer of Registrable Securities shall
be null and void and not otherwise effective, unless any such Transfer is made in accordance with the terms and conditions of this
Investor Rights Agreement, and PubCo is hereby authorized by all of the Holders to enter appropriate stop transfer notations on
its transfer records to give effect to this Investor Rights Agreement. The Parties acknowledge that there is no intention to form
a &#8220;group&#8221; (as defined in Section 13(d)(3) of the Exchange Act) between the SCG Holders and any other Party to this
Investor Rights Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">All of the terms and provisions of this Investor Rights Agreement shall be binding upon the
Parties and their respective successors, assigns, heirs and representatives, but shall inure to the benefit of and be enforceable
by the successors, assigns, heirs and representatives of any Party only to the extent that they are permitted successors, assigns,
heirs and representatives pursuant to the terms of this Investor Rights Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Nothing in this Investor Rights Agreement, express or implied, is intended to confer upon
any Party, other than the Parties and their respective permitted successors, assigns, heirs and representatives, any rights or
remedies under this Investor Rights Agreement or otherwise create any third party beneficiary hereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.2<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Termination</U></FONT><FONT STYLE="font-size: 10pt">.
Except for&nbsp;<U>Section&nbsp;2.1(j)</U>,&nbsp;<U>Section 2.1</U>&nbsp;shall terminate automatically (without any action by any
Party) as to the SCG Holders at such time at which the SCG Holders&#8217; Representative no longer has the right to designate an
individual for nomination to the Board under this Investor Rights Agreement.&nbsp;<U>Article III</U>&nbsp;of this Investor Rights
Agreement shall terminate as</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">set forth in&nbsp;<FONT STYLE="font-size: 10pt"><U>Section
3.13</U>. The remainder of this Investor Rights Agreement shall terminate automatically (without any action by any Party) as to
each Holder when such Holder ceases to Beneficially Own any Registrable Securities;&nbsp;provided&nbsp;that, the provisions of&nbsp;<U>Section
3.10</U>&nbsp;shall survive any such termination with respect to such Holder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Severability</U></FONT><FONT STYLE="font-size: 10pt">.
If any provision of this Investor Rights Agreement is determined to be invalid, illegal or unenforceable by any Governmental Entity,
the remaining provisions of this Investor Rights Agreement, to the extent permitted by Law shall remain in full force and effect.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.4<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Entire
Agreement; Amendments; No Waiver</U></FONT><FONT STYLE="font-size: 10pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">This Investor Rights Agreement, together with the Exhibit to this Investor Rights Agreement,
the BCA, the Company A&amp;R LLC, and all other Ancillary Agreements, constitute the entire agreement among the Parties with respect
to the subject matter hereof and thereof and supersede all prior and contemporaneous agreements, understandings and discussions,
whether oral or written, relating to such subject matter in any way and there are no warranties, representations or other agreements
among the Parties in connection with such subject matter except as set forth in this Investor Rights Agreement and therein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No provision of this Investor Rights Agreement may be amended or modified in whole or in part
at any time without the express written consent of (i)&nbsp;PubCo, (ii) for so long as the Members and their Permitted Transferees
collectively Beneficially Own five&nbsp;percent&nbsp;(5%) or more of the voting power of the stock of PubCo held by the Members
immediately after the Closing, the Members&#8217; Representative, (iii)&nbsp;for so long as the Sponsor and its Permitted Transferees
collectively Beneficially Own Class&nbsp;A Common Stock in PubCo representing fifty percent (50%) or more of the Class&nbsp;A Common
Stock held by the Sponsor immediately after the Closing, the Sponsor, and (iv)&nbsp;in any event at least the Holders holding in
the aggregate more than fifty percent (50%) of the Registrable Securities Beneficially Owned by the Holders;&nbsp;<I>provided&nbsp;that</I>
any such amendment or modification that would be materially adverse in any respect to any Holder shall require the prior written
consent of such Holder;&nbsp;<I>provided, further</I> that a provision that has terminated with respect to a Party shall not require
any consent of such Party (and such Party&#8217;s Class&nbsp;A Common Stock shall not be considered in computing any percentages)
with respect to amending or modifying such provision. Notwithstanding anything to the contrary contained in this <U>Section 5.4(b)</U>,
<U>Section 2.1</U> may be amended or modified in whole or in part solely with the express written consent of (i) PubCo and (ii)
the SCG Holders&#8217; Representative.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No waiver of any provision or default under, nor consent to any exception to, the terms of
this Investor Rights Agreement shall be effective unless in writing and signed by the Party to be bound and then only to the specific
purpose, extent and instance so provided; <I>provided that</I>, notwithstanding the foregoing, no waiver of any provision or default
under, nor consent to any exception to, the terms and provisions of&nbsp;<U>Article IV</U>&nbsp;shall be effective unless in writing
and signed by each of (i)&nbsp;PubCo, (ii) for so long as the Members and their Permitted Transferees collectively Beneficially
Own fifteen&nbsp;percent&nbsp;(15%) or more of the voting power of the stock of PubCo held by the Members immediately after the
Closing, the Members&#8217; Representative, (iii)&nbsp;for so long as the Sponsor and its Permitted Transferees collectively Beneficially
Own Class&nbsp;A Common Stock in PubCo representing fifty percent (50%) or more of the Class&nbsp;A Common Stock held by the Sponsor
immediately after the Closing, the Sponsor, (iv)&nbsp;at least the Holders holding in the aggregate more than fifty percent (50%)
of the Registrable Securities Beneficially Owned by the Holders and (v)&nbsp;if such Party is not already required to sign pursuant
to&nbsp;clauses (i)&nbsp;through&nbsp;(iv), the Party to be bound.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding the foregoing provisions of this&nbsp;<U>Section 5.4</U>, other than with
respect to amendments, modifications, waivers or consents relating to or airing out of&nbsp;<U>Article IV</U>, no</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">amendment, modification, waiver or consent
shall be required by (i)&nbsp;the Sponsor or its Permitted Transferees, with respect to any provision that has, in accordance with&nbsp;<FONT STYLE="font-size: 10pt"><U>Section
5.2</U>, terminated as to the Sponsor, and the Founder Holders or (ii)&nbsp;the Members&#8217; Representative or a particular Member
or its Permitted Transferees, with respect to any provision that has, in accordance with&nbsp;<U>Section 5.2</U>, terminated as
to such Member or all of the Members.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.5<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Counterparts;
Electronic Delivery</U></FONT><FONT STYLE="font-size: 10pt">. This Investor Rights Agreement and any other agreements, certificates,
instruments and documents delivered pursuant to this Investor Rights Agreement may be executed and delivered in one or more counterparts
and by email or other electronic transmission, each of which shall be deemed an original and all of which shall be considered one
and the same agreement. No Party shall raise the use of email to deliver a signature or the fact that any signature or agreement
or instrument was transmitted or communicated through the use of email as a defense to the formation or enforceability of a contract
and each Party forever waives any such defense.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.6<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Notices</U></FONT><FONT STYLE="font-size: 10pt">.
All notices, demands and other communications to be given or delivered under this Investor Rights Agreement shall be in writing
and shall be deemed to have been given (a)&nbsp;when personally delivered (or, if delivery is refused, upon presentment) or received
by email (with confirmation of transmission, which may include electronic confirmation) prior to 5:00 p.m. eastern time on a Business
Day and, if otherwise, on the next Business Day, (b)&nbsp;one (1) Business Day following sending by reputable overnight express
courier (charges prepaid), or (c)&nbsp;three (3) calendar days following mailing by certified or registered mail, postage prepaid
and return receipt requested. Unless another address is specified in writing pursuant to the provisions of this&nbsp;<U>Section
5.6</U>, notices, demands and other communications shall be sent to the addresses indicated below:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">if to PubCo, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">OppFi, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">130 E. Randolph Street, Suite
3300</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Chicago, IL 60601</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Jared Kaplan</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: jkaplan@opploans.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">with a copy
(which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">DLA Piper LLP (US)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">200 S. Biscayne Boulevard, Suite
2500</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Miami, FL 33131</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Joshua M. Samek, Esq.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: joshua.samek@dlapiper.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">if to the Members, to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Opportunity Financial, LLC</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">130 E. Randolph Street, Suite
3300</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Chicago, IL 60601</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Jared Kaplan</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: jkaplan@opploans.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">with a copy
(which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">DLA Piper LLP (US)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">200 S. Biscayne Boulevard, Suite
2500</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Miami, FL 33131</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Joshua M. Samek, Esq.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: joshua.samek@dlapiper.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Schwartz Capital Group</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">One North Wacker Drive</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Suite 3605</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Chicago, IL 60606</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Todd Schwartz and
David Vennettilli</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: todd.schwartz@schwartzcap.com
and dvennettilli@schwartzcap.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">with a copy
(which shall not constitute notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Skadden, Arps, Slate, Meagher
 &amp; Flom LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">525 University Avenue, Suite
1400</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Palo Alto, CA 94301</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Thomas J. Ivey, Esq.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: thomas.ivey@skadden.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">if to the Sponsor:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">FG New America Acquisition Corp.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">105 S. Maple Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Itasca, IL 60143</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Larry G Swets, Jr.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: lswets@itascafinancial.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">with a copy (which shall not constitute
notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">White &amp; Case LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">1221 Avenue of the Americas</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">New York, NY 10020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Gary Silverman, Elliott
Smith</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: gary.silverman@whitecase.com,
elliott.smith@whitecase.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">if to the Underwriter Holders:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">[&#9679;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">[&#9679;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">[&#9679;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">with a copy (which shall not constitute
notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">[&#9679;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">[&#9679;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">[&#9679;]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"></P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">if to the Members&#8217; Representative:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Schwartz Capital Group</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">One North Wacker Drive</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Suite 3605&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Chicago, IL 60606</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Todd Schwartz and
David Vennettilli&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: todd.schwartz@schwartzcap.com
and dvennettilli@schwartzcap.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">with a copy (which shall not constitute
notice) to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Skadden, Arps, Slate, Meagher
 &amp; Flom LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">525 University Avenue, Suite
1400&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Palo Alto, CA 94301</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Attention: Thomas J. Ivey, Esq.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">Email: thomas.ivey@skadden.com</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.7<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Governing
Law; Waiver of Jury Trial; Jurisdiction</U></FONT><FONT STYLE="font-size: 10pt">. The Law of the State of Delaware shall govern
(a)&nbsp;all Proceedings, claims or matters related to or arising from this Investor Rights Agreement (including any tort or&nbsp;non-contractual&nbsp;claims)
and (b)&nbsp;any questions concerning the construction, interpretation, validity and enforceability of this Investor Rights Agreement,
and the performance of the obligations imposed by this Investor Rights Agreement, in each case without giving effect to any choice
of Law or conflict of Law rules or provisions (whether of the State of Delaware or any other jurisdiction) that would cause the
application of the Law of any jurisdiction other than the State of Delaware. EACH PARTY TO THIS INVESTOR RIGHTS AGREEMENT HEREBY
IRREVOCABLY WAIVES ALL RIGHTS TO TRIAL BY JURY IN ANY PROCEEDING IN RESPECT OF ANY DISPUTE BETWEEN OR AMONG ANY OF THE PARTIES
(WHETHER ARISING IN CONTRACT, TORT OR OTHERWISE) ARISING OUT OF, CONNECTED WITH, RELATED OR INCIDENTAL TO THIS INVESTOR RIGHTS
AGREEMENT, THE TRANSACTIONS CONTEMPLATED BY THIS INVESTOR RIGHTS AGREEMENT AND/OR THE RELATIONSHIPS ESTABLISHED AMONG THE PARTIES
UNDER THIS INVESTOR RIGHTS AGREEMENT. THE PARTIES FURTHER WARRANT AND REPRESENT THAT EACH HAS REVIEWED THIS WAIVER WITH SUCH PARTY&#8217;S
LEGAL COUNSEL, AND THAT EACH KNOWINGLY AND VOLUNTARILY WAIVES SUCH PARTY&#8217;S JURY TRIAL RIGHTS FOLLOWING CONSULTATION WITH
LEGAL COUNSEL. Each of the Parties submits to the exclusive jurisdiction of first, the Chancery Court of the State of Delaware
or if such court declines jurisdiction, then to the Federal District Court for the District of Delaware, in each case in Wilmington,
Delaware, in any Proceeding arising out of or relating to this Investor Rights Agreement, agrees that all claims in respect of
the Proceeding shall be heard and determined in any such court and agrees not to bring any Proceeding arising out of or relating
to this Investor Rights Agreement in any other courts. Nothing in this&nbsp;<U>Section 5.7</U>, however, shall affect the right
of any Party to serve legal process in any manner permitted by Law or at equity. Each Party agrees that a final judgment in any
Proceeding so brought shall be conclusive and may be enforced by suit on the judgment or in any other manner provided by Law or
at equity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.8<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Specific
Performance</U></FONT><FONT STYLE="font-size: 10pt">. Each Party hereby agrees and acknowledges that it will be impossible to measure
in money the damages that would be suffered if the Parties fail to comply with any of the obligations imposed on them by this Investor
Rights Agreement and that, in the event of any such failure, an aggrieved Party will be irreparably damaged and will not have an
adequate remedy at Law. Any such Party shall, therefore, be entitled (in addition to any other remedy to which such Party may be
entitled at Law or in equity) to seek injunctive relief, including specific performance,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">to enforce such obligations, without the
posting of any bond, and if any Proceeding should be brought in equity to enforce any of the provisions of this Investor Rights
Agreement, none of the Parties shall raise the defense that there is an adequate remedy at Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.9<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Subsequent
Acquisition of Shares</U></FONT><FONT STYLE="font-size: 10pt">. Any Equity Securities of PubCo or Operating Company acquired subsequent
to the Effective Date by a Holder shall be subject to the terms and conditions of this Investor Rights Agreement and such shares
shall be considered to be &#8220;<U>Registrable Securities</U>&#8221; as such term is used in this Investor Rights Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.10<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Legends</U></FONT><FONT STYLE="font-size: 10pt">.
Each of the Holders acknowledges that (i)&nbsp;no Transfer, hypothecation or assignment of any Registrable Securities Beneficially
Owned by such Holder may be made except in compliance with applicable federal and state securities laws, and (ii)&nbsp;PubCo shall
(x)&nbsp;place customary restrictive legends on the certificates or book entries representing the Registrable Securities subject
to this Investor Rights Agreement, and (y)&nbsp;remove such restrictive legends upon the request of a Holder following the time
the applicable Transfer and other restrictions contemplated thereby are no longer applicable to the Registrable Securities represented
by such certificates or book entries.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="text-transform: uppercase">Section
5.11<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp; </FONT></FONT><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>No
Third-Party Liabilities</U></FONT><FONT STYLE="font-size: 10pt">. This Investor Rights Agreement may only be enforced against the
named parties hereto. All claims or causes of action (whether in contract or tort) that may be based upon, arise out of or relate
to any of this Investor Rights Agreement, or the negotiation, execution or performance of this Investor Rights Agreement (including
any representation or warranty made in or in connection with this Investor Rights Agreement or as an inducement to enter into this
Investor Rights Agreement), may be made only against the Persons that are expressly identified as parties hereto, as applicable;
and no past, present or future direct or indirect director, officer, employee, incorporator, member, partner, stockholder, Affiliate,
portfolio company in which any such Party or any of its investment fund Affiliates have made a debt or equity investment (and vice
versa), agent, attorney or representative of any Party hereto (including any Person negotiating or executing this Investor Rights
Agreement on behalf of a Party hereto), unless a Party to this Investor Rights Agreement, shall have any liability or obligation
with respect to this Investor Rights Agreement or with respect any claim or cause of action (whether in contract or tort) that
may arise out of or relate to this Investor Rights Agreement, or the negotiation, execution or performance of this Investor Rights
Agreement (including a representation or warranty made in or in connection with this Investor Rights Agreement or as an inducement
to enter into this Investor Rights Agreement).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Pages Follow]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>, each of the Parties
has duly executed this Investor Rights Agreement as of the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B><U>PUBCO:</U></B></FONT></TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>OPPFI, INC.</B></FONT></TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; width: 50%">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt; width: 6%">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; width: 34%">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="padding-top: 6pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="padding-top: 6pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="padding-top: 6pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B><U>SPONSOR:</U></B></FONT></TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>FG NEW AMERICA INVESTORS LLC.</B></FONT></TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="padding-top: 6pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="padding-top: 6pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">Title:</FONT></TD>
    <TD STYLE="padding-top: 6pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Investor Rights Agreement]</I></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>, each of the Parties
has duly executed this Investor Rights Agreement as of the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; width: 50%">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt; width: 6%">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt; width: 34%"><B><U>MEMBERS&#8217; REPRESENTATIVE</U></B></TD>
    <TD STYLE="padding-top: 6pt; width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">Todd Schwartz</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Investor Rights Agreement]</I></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>, each of the Parties
has duly executed this Investor Rights Agreement as of the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt; width: 50%">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt; width: 6%">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt; width: 34%"><B><U>MEMBERS:</U></B></TD>
    <TD STYLE="padding-top: 6pt; width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-top: 6pt"><B>[&#9679;]</B></TD>
    <TD STYLE="padding-top: 6pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page to Investor Rights Agreement]
</I></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in">Exhibit A&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>FORM OF JOINDER</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Joinder (this
 &#8220;<U>Joinder</U>&#8221;) to the Investor Rights Agreement and the Amended Letter, made as of&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>,
is between&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;(&#8220;<U>Transferor</U>&#8221;)
and&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;(&#8220;<U>Transferee</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, as
of the date hereof, Transferee is acquiring&nbsp;Registrable Securities (the &#8220;<U>Acquired Interests</U>&#8221;) from Transferor;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, Transferor
is a party to that certain Investor Rights Agreement, dated as of [&#9679;], among OppFi, Inc. (&#8220;<U>PubCo</U>&#8221;) and
the other persons party thereto (the &#8220;<U>Investor Rights Agreement</U>&#8221;) and that certain Amended Sponsor Letter, dated
as of [&#9679;] (the &#8220;<U>Amended Letter</U>&#8221;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, Transferee
is required, at the time of and as a condition to such Transfer, to become a party to the Investor Rights Agreement and the Amended
Letter&nbsp;by executing and delivering this Joinder, whereupon such Transferee will be treated as a Party (with the same rights
and obligations as the Transferor) for all purposes of the Investor Rights Agreement and the Amended Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW, THEREFORE</B>,
in consideration of the foregoing and the respective covenants and agreements set forth herein, and intending to be legally bound
hereby, the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Definitions</U>.
To the extent capitalized words used in this Joinder are not defined in this Joinder, such words shall have the respective meanings
set forth in the Investor Rights Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Acquisition</U>.
The Transferor hereby Transfers to the Transferee all of the Acquired Interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Joinder</U>. Transferee
hereby acknowledges and agrees that (a)&nbsp;such Transferee has received and read the Investor Rights Agreement and the Amended
Letter, (b)&nbsp;such Transferee is acquiring the Acquired Interests in accordance with and subject to the terms and conditions
of the Investor Rights Agreement and the Amended Letter and (c)&nbsp;such Transferee will be treated as a Party (with the same
rights and obligations as the Transferor) for all purposes of the Investor Rights Agreement and the Amended Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Notice</U>. Any
notice, demand or other communication under the Investor Rights Agreement or the Amended Letter to Transferee shall be given to
Transferee at the address set forth on the signature page hereto in accordance with&nbsp;<U>Section&nbsp;5.6</U>&nbsp;of the Investor
Rights Agreement or Section&nbsp;[6] of the Amended Letter, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Governing Law</U>.
This Joinder shall be governed by and construed in accordance with the Law of the State of Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>Counterparts; Electronic
Delivery</U>. This Joinder may be executed and delivered in one or more counterparts, by fax, email or other electronic transmission,
each of which shall be deemed an original and all of which shall be considered one and the same agreement. The words &#8220;execution,&#8221;
 &#8220;signed,&#8221; &#8220;signature,&#8221; &#8220;delivery,&#8221; and words of like import in or relating to this Joinder
or any document to be signed in connection with this Joinder shall be deemed to include electronic signatures, deliveries or the
keeping of records in electronic form, each of which shall be of the same legal effect, validity or enforceability as a manually
executed signature, physical delivery thereof or the use of a paper-based</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Exhibit A to Investor Rights Agreement]</I></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">recordkeeping system, as the case may be,
and the parties hereto consent to conduct the transactions contemplated hereunder by electronic means.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page Follows]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Exhibit A to Investor Rights Agreement]</I></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>, this Joinder
has been duly executed and delivered by the parties as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 5pt; text-align: left"><B><U>TRANSFEROR:</U></B></TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left; width: 50%">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left; width: 6%"><B>By:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left; width: 34%">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left; width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>Name:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>Title:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 5pt; text-align: left"><B><U>TRANSFEREE:</U></B></TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>By:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>Name:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left"><B>Title:</B></TD>
    <TD STYLE="padding-top: 5pt; border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-top: 5pt; text-align: left">Address for notices:</TD>
    <TD STYLE="padding-top: 5pt; text-align: left">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in"></P>

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