<SEC-DOCUMENT>0001193125-21-220027.txt : 20210721
<SEC-HEADER>0001193125-21-220027.hdr.sgml : 20210721
<ACCEPTANCE-DATETIME>20210721060559
ACCESSION NUMBER:		0001193125-21-220027
CONFORMED SUBMISSION TYPE:	8-A12B/A
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20210721
DATE AS OF CHANGE:		20210721

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OppFi Inc.
		CENTRAL INDEX KEY:			0001818502
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				851648122
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-A12B/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39550
		FILM NUMBER:		211102720

	BUSINESS ADDRESS:	
		STREET 1:		130 E. RANDOLPH STREET
		STREET 2:		SUITE 3400
		CITY:			CHICAGO
		STATE:			IL
		ZIP:			60601
		BUSINESS PHONE:		(312) 212-8079

	MAIL ADDRESS:	
		STREET 1:		130 E. RANDOLPH STREET
		STREET 2:		SUITE 3400
		CITY:			CHICAGO
		STATE:			IL
		ZIP:			60601

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FG New America Acquisition Corp.
		DATE OF NAME CHANGE:	20200717
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-A12B/A
<SEQUENCE>1
<FILENAME>d206615d8a12ba.htm
<DESCRIPTION>8-A12B/A
<TEXT>
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<TITLE>8-A12B/A</TITLE>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM <FONT
STYLE="white-space:nowrap">8-A/A</FONT> </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>(Amendment No.&nbsp;1) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>PURSUANT TO SECTION 12(b) OR 12(g) OF THE </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES EXCHANGE ACT OF 1934 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>OppFi Inc.
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact name of registrant as specified in its charter) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" ALIGN="center"><B>Delaware</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">85-1648122</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(State of incorporation or organization)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(I.R.S. Employer Identification No.)</B></TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>130 E. Randolph Street, Suite 3400</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Chicago, IL</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>60601</B></TD></TR>
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<TD VALIGN="bottom" ALIGN="center"><B>(Address of principal executive offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>(Zip Code)</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Securities to be registered pursuant to Section&nbsp;12(b) of the Act:</B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title of each class</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>to be so registered</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Name of each exchange on which</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>each class is to be registered</B></P></TD></TR>


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<TD VALIGN="top" ALIGN="center"><B>Class&nbsp;A common stock, par value $0.0001 per share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>The New York Stock Exchange</B></TD></TR>
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<TD VALIGN="top" ALIGN="center"><B>Warrants, each whole warrant exercisable for one share of Class&nbsp;A common stock at an exercise price of $11.50 per share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>The New York Stock Exchange</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If this form relates to the registration of a class of securities pursuant to Section&nbsp;12(b) of the Exchange Act and is
effective pursuant to General Instruction A.(c) or (e), check the following box.&nbsp;&nbsp;&#9746; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If this form relates to the registration of a class
of securities pursuant to Section&nbsp;12(g) of the Exchange Act and is effective pursuant to General Instruction A.(d) or (e), check the following box.&nbsp;&nbsp;&#9744; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If this form relates to the registration of a class of securities concurrently with a Regulation A offering, check the following box.&nbsp;&nbsp;&#9744; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities Act registration statement or Regulation A offering statement file number to which this form relates (of applicable): <B><FONT
STYLE="white-space:nowrap">333-248429</FONT></B> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities to be registered pursuant to Section&nbsp;12(g) of the Act: <B>N/A</B> </P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Explanatory Note </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">OppFi Inc. (f/k/a FG New America Acquisition Corp.) (the &#147;Company&#148;) hereby amends the registration statement on Form <FONT
STYLE="white-space:nowrap">8-A</FONT> (File <FONT STYLE="white-space:nowrap">No.&nbsp;001-39550),</FONT> filed by the Company with the U.S. Securities and Exchange Commission (the &#147;SEC&#148;) on September&nbsp;23, 2020.</P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B>Item&nbsp;1.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Description of Registrant&#146;s Securities to be Registered. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This registration statement relates to the registration with the SEC of shares of Class&nbsp;A common stock, par value $0.0001 per share
(&#147;Class&nbsp;A Common Stock&#148;), of the Company and warrants to purchase Class&nbsp;A Common Stock (&#147;Warrants&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On
July&nbsp;20, 2021, the Company consummated the transactions contemplated by the Business Combination Agreement dated February&nbsp;9,&nbsp;2021 (the &#147;Business Combination Agreement&#148;, the transactions contemplated by the Business
Combination Agreement, the &#147;Business Combination&#148; and the closing of such transactions, the &#147;Closing&#148;), by and among the Company, Opportunity Financial, LLC, a Delaware limited liability company (&#147;OppFi&#148;), OppFi Shares,
LLC, a Delaware limited liability company (&#147;OFS&#148;), and Todd Schwartz, in his capacity as the representative (the &#147;Members&#146; Representative&#148;) of the members of OppFi immediately prior to the Closing (the &#147;Members&#148;).
At the Closing, (i)&nbsp;OppFi transferred to the Company 12,977,690 Class A common units of OppFi (&#147;OppFi Units&#148;), which was equal to the number of shares of Class&nbsp;A Common Stock issued and outstanding as of immediately prior to the
Closing (after giving effect to redemptions by the Company&#146;s public stockholders prior to the Closing and the conversion of the Company&#146;s Class B common stock, par value $0.0001 per share (&#147;Class B Common Stock&#148;)), (ii) the
Company contributed cash consideration to OppFi in accordance with the Business Combination Agreement, which was distributed to the Members, and (iii)&nbsp;the Company issued 96,987,093 shares of newly authorized Class&nbsp;V common stock, par value
$0.0001 per share (&#147;Class&nbsp;V Voting Stock&#148;), which number of shares of Class&nbsp;V Voting Stock is equal to the number of OppFi Units retained by the Members immediately following the Closing (the &#147;Retained OppFi Units&#148;),
and which shares of Class V Voting Stock were distributed to OFS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the Closing, the Company&#146;s amended and restated
certificate of incorporation was amended and restated (as so amended and restated, the &#147;Charter&#148;) to, among other things: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">increase the total number of authorized shares of all classes of capital stock, par value $0.0001 per share, from
(i)&nbsp;401,000,000 shares, consisting of (A) 400,000,000 shares of common stock (the &#147;Common Stock&#148;), including&nbsp;(1) 380,000,000 shares of Class&nbsp;A Common Stock and (2) 20,000,000 shares of Class&nbsp;B Common Stock,&nbsp;and (B)
1,000,000 shares of preferred stock, to (ii)&nbsp;501,000,000 shares, consisting of (A) 500,000,000 shares of Common Stock, including&nbsp;(1) 379,000,000 shares of Class&nbsp;A Common Stock, (2)&nbsp;6,000,000 shares of Class&nbsp;B Common Stock
and (3) 115,000,000 shares of Class&nbsp;V Voting Stock&nbsp;and (B)&nbsp;1,000,000 shares of preferred stock; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">provide that special meetings of stockholders of the Company may be called, at any time when the SCG Holders (as
defined in the Charter) beneficially own, in the aggregate, 35% or more of the voting power of the capital stock of the Company entitled to vote generally in the election of directors, by a representative of the SCG Holders; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
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<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">provide that, at any time when the SCG Holders beneficially own, in the aggregate, less than 35% of the voting
power of the capital stock of the Company entitled to vote generally in the election of directors, any action required or permitted to be taken by the Company&#146;s stockholders must be effected at a duly called annual or special meeting of such
holders and may not be effected by written consent of the Company&#146;s 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;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">provide that the Company opts out of Section&nbsp;203 of the General Corporation Law of the State of Delaware,
which prevents certain Delaware corporations, under certain circumstances, from engaging in a &#147;business combination&#148; with certain &#147;interested stockholders&#148; and their affiliates, and instead provide that the Company shall not
engage in any business combination (as such term is defined in the Charter), at any point in time at which the Common Stock is registered under Section&nbsp;12(b) or 12(g) of the Securities Exchange Act of 1934, as amended (the &#147;Exchange
Act&#148;), with any interested stockholder (which, as defined in the Charter, shall not include Schwartz Capital Group (&#147;SCG&#148;) or any of its affiliates, or any person that acquires (other than in a registered public offering) directly
</P></TD></TR></TABLE>
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from SCG or any of its successors or any &#147;group&#148;, or any member of any such group, of which such persons are a party under
<FONT STYLE="white-space:nowrap">Rule&nbsp;13d-5&nbsp;of</FONT> the Exchange Act beneficial ownership of fifteen percent (15%) or more of the then outstanding voting stock of the Company) for a period of three years following the time that such
stockholder became an interested stockholder, unless: (i)&nbsp;prior to such time, the board of directors of the Company (the &#147;Board&#148;) approved either the business combination or the transaction that resulted in the stockholder becoming an
interested stockholder; or (ii)&nbsp;upon consummation of the transaction that resulted in the stockholder becoming an interested stockholder, the interested stockholder owned at least 85% of the voting stock (as defined in the Charter) of the
Company 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 (A)&nbsp;persons who are
directors and also officers of the Company and (B)&nbsp;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;
(iii)&nbsp;at or subsequent to such time, the applicable 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 66 2/3% of the
outstanding voting stock of the Company that is not owned by the interested stockholder; or (iv)&nbsp;the stockholder became an interested stockholder inadvertently and (A)&nbsp;as soon as practicable divested itself of ownership of sufficient
shares so that the stockholder ceased to be an interested stockholder and (B)&nbsp;was not, at any time within the three-year period immediately prior to a business combination between the Company and such stockholder, an interested stockholder but
for the inadvertent acquisition of ownership, which provision of the proposed charter may only be amended by the affirmative vote of at least 66 2/3% of all then outstanding shares of the common stock of the Company; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">provide that, at any time when the SCG Holders beneficially own, in the aggregate, 35% or more of the voting
power of the stock of the Company 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)&nbsp;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)&nbsp;the affirmative vote or written consent of a majority of the remaining directors then in office, even if less than a quorum, or (iii)&nbsp;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&#146;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 35% of the voting power of the stock of the Company 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></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">to provide that, at any time when the SCG Holders beneficially own, in the aggregate, 35% or more of the voting
power of the Company 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 35% of the voting power of the
stock of the Company 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; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">to change the name of the Company to &#147;OppFi Inc.&#148; from &#147;FG New America Acquisition Corp.&#148;
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additionally, in connection with the closing of the Business Combination, all of the outstanding shares of Class&nbsp;B
Common Stock converted, on a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">one-for-one</FONT></FONT> basis, into shares of Class&nbsp;A Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the Closing, 25,500,000 of the Retained OppFi Units held by the Members and an equal number of shares of Class&nbsp;V
Voting Stock distributed to OFS in connection with the Business Combination, became subject to certain restrictions and potential forfeiture pending the achievement (if any) of certain earnout targets pursuant to the terms of the Business
Combination Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Additionally, at the Closing, (i)&nbsp;the Company, (ii)&nbsp;FG New America Investors LLC (the
&#147;Sponsor&#148;), Larry G. Swets, Jr., D. Kyle Cerminara, Hassan R. Baqar, Joseph Moglia, Nicholas Spencer Rudd, Robert Christopher Weeks (together with the Sponsor, the &#147;Founder Holders&#148;), (iii) the Members, (iv)&nbsp;the
Members&#146; </P>
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Representative and (v)&nbsp;certain other parties entered into an Investor Rights Agreement dated as of July&nbsp;20, 2021 (the &#147;Investor Rights Agreement&#148;). The Investor Rights
Agreement, among other things, provides that (i)&nbsp;that certain Registration Rights Agreement, dated as of September&nbsp;29, 2020, by and among the Company, the Founder Holders and certain other parties was terminated, effective as of the
Closing, (ii)&nbsp;the Members&#146; Representative will have the right to nominate five directors to the Board, subject to certain independence and holdings requirements, (iii)&nbsp;the Company will provide certain registration rights for the
shares of Class&nbsp;A Common Stock held by the Members, the Sponsor, and certain other parties, and (iv)&nbsp;a certain Founder Holder and the Members will agree not to transfer, sell, assign, or otherwise dispose of the shares of Class&nbsp;A
Common Stock and the OppFi Units held by such Founder Holder or such Members, as applicable, for twenty-four months and nine months, respectively, following the Closing, subject to certain exceptions, including with respect to shares of Class&nbsp;A
Common Stock issuable upon the exchange of 11,600,000 OppFi Units held by the Members, in each case as more fully described in the Investor Rights Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The description of the Class&nbsp;A Common Stock and Warrants registered hereunder and related rights is set forth under the heading
&#147;Description of Securities&#148; beginning on page 330 of the Company&#146;s definitive proxy statement on Schedule 14A (the &#147;Proxy Statement&#148;) filed by the Company with the SEC on June&nbsp;22, 2021, and is incorporated herein by
reference. The description of the Common Stock and Warrants is qualified in its entirety by reference to Charter and the Amended and Restated Bylaws of OppFi Inc., which are filed as Exhibits 3.1 and 3.2 hereto and incorporated herein by reference,
and the description of the Warrants is qualified in its entirety by reference to the Warrant Agreement, dated September&nbsp;29, 2020, by and between the Company and Continental Stock Transfer&nbsp;&amp; Trust Company, as warrant agent, which is
filed as Exhibit 4.2 and incorporated herein by reference. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B>Item&nbsp;2.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Exhibits. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following exhibits have been filed as exhibits to the Registration Statement, as amended, and are incorporated herein by reference:</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD WIDTH="90%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Exhibit&nbsp;No.</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman"><B>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>2.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1818502/000110465921020074/tm216184d1_ex2-1.htm">Business Combination Agreement, dated as of February&nbsp;
9, 2021, by and among the Company, Opportunity Financial, LLC and Todd Schwartz, in his capacity as the Members&#146; Representative (incorporated by reference to Exhibit 2.1 of FG New America Acquisition Corp.&#146;s Current Report on Form <FONT
STYLE="white-space:nowrap">8-K</FONT> filed with the SEC on February&nbsp;11, 2021).</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>3.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d206615dex31.htm">Second Amended and Restated Certificate of Incorporation of OppFi Inc. </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>3.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d206615dex32.htm">Amended and Restated Bylaws of OppFi Inc.</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d206615dex41.htm">Form of Warrant Certificate. </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>4.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/1818502/000110465920111795/tm2032320d1_ex4-1.htm">Warrant Agreement, dated as of September&nbsp;
29, 2020, by and between FG New America Acquisition Corp. and Continental Stock Transfer&nbsp;&amp; Trust Company (incorporated by reference to Exhibit&nbsp;4.1 of FG New America Acquisition Corp.&#146;s Current Report on <FONT
STYLE="white-space:nowrap">Form&nbsp;8-K</FONT> filed with the SEC on October&nbsp;2, 2020).</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d206615dex101.htm">Investor Rights Agreement, dated as of July&nbsp;20, 2021, by and among the Company, the Founder Holders, the Members, the Members&#146; Representative and certain other parties thereto. </A></TD></TR>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of Section&nbsp;12 of the Securities Exchange Act of 1934, the Registrant has duly caused this Registration
Statement to be signed on its behalf by the undersigned, thereto duly authorized. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top" COLSPAN="3"><B>OppFi Inc.</B></TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="bottom">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">/s/ Shiven Shah</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name: Shiven Shah</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title: Chief Financial Officer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated: July&nbsp;21, 2021 </P>
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<TYPE>EX-3.1
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 3.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECOND AMENDED AND RESTATED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CERTIFICATE OF INCORPORATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OF </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FG NEW AMERICA
ACQUISITION CORP. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">July&nbsp;20, 2021 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">FG New America Acquisition Corp., a corporation organized and existing under the laws of the State of Delaware (the &#147;<B><I>Existing
Corporation</I></B>&#148;), DOES HEREBY CERTIFY AS FOLLOWS: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. The name of the Existing Corporation is &#147;FG New America Acquisition
Corp.&#148; The original certificate of incorporation was filed with the Secretary of State of the State of Delaware on June&nbsp;24, 2020 (the &#147;<B><I>Original Certificate</I></B>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. The Existing Corporation&#146;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 September&nbsp;29, 2020 (as amended, the &#147;<B><I>First Amended and Restated Certificate</I></B>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. This Second Amended and Restated Certificate of Incorporation (the &#147;<B><I>Second Amended and Restated Certificate</I></B>&#148;),
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
&#147;<B><I>DGCL</I></B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. 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 &#147;<B><I>Initial</I></B> <B><I>Business Combination</I></B>&#148;) contemplated by that certain Business Combination Agreement, dated as of February&nbsp;9, 2021,
by and among the Corporation, Opportunity Financial, LLC and Todd Schwartz, as Members&#146; Representative. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. This Second Amended and
Restated Certificate shall become effective on the date of filing with the Secretary of State of Delaware. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. Certain capitalized terms
used in this Second Amended and Restated Certificate are defined where appropriate herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. The text of the First Amended and Restated
Certificate is hereby restated and amended in its entirety to read as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NAME </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The name of the
corporation is OppFi Inc. (the &#147;<B><I>Corporation</I></B>&#148;). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PURPOSE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REGISTERED AGENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
address of the Corporation&#146;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&#146;s registered agent at such
address is Corporation Service Company. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CAPITALIZATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.1 <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 501,000,000 shares, consisting of (a) 500,000,000 shares of common stock (the &#147;<B><I>Common Stock</I></B>&#148;), including (i) 379,000,000 shares of Class&nbsp;A common stock (the
&#147;<B><I>Class</I></B><B><I></I></B><B><I>&nbsp;A Common Stock</I></B>&#148;), (ii) 6,000,000 shares of Class&nbsp;B common stock (the &#147;<B><I>Class</I></B><B><I></I></B><B><I>&nbsp;B Common Stock</I></B>&#148; and, together with the
Class&nbsp;A Common Stock, the &#147;<B><I>Economic Common Stock</I></B>&#148;), and (iii) 115,000,000 shares of Class&nbsp;V common stock (the &#147;<B><I>Class</I></B><B><I></I></B><B><I>&nbsp;V Common Stock</I></B>&#148;); and (b) 1,000,000
shares of preferred stock (the &#147;<B><I>Preferred Stock</I></B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.2 <U>Preferred Stock</U>. Subject to <I>Article
IX </I>of this Second Amended and Restated Certificate, the board of directors of the Corporation (the &#147;<B><I>Board</I></B>&#148;) 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 &#147;<B><I>Preferred Stock Designation</I></B>&#148;) 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.3 <U>Common Stock</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(a)<I> </I><I></I><I></I><I></I><I>Voting</I>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) 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="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) 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="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) 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&nbsp;A Common Stock, holders of the Class&nbsp;B Common Stock and holders of the Class&nbsp;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 any amendment to this Second Amended and Restated Certificate (including any amendment to any
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <I>Class B Common Stock.</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Shares of Class&nbsp;B Common Stock shall be convertible into shares of Class&nbsp;A Common Stock on a <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">one-for-one</FONT></FONT> basis (the &#147;<B><I>Initial Conversion Ratio</I></B>&#148;) 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 &#147;<B><I>Business Combination</I></B>&#148;). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) 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&#146;s initial public offering of securities (the &#147;<B><I>Offering</I></B>&#148;) 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&#146;s initial Business Combination, the
ratio for which the shares of Class&nbsp;B Common Stock shall convert into shares of Class&nbsp;A Common Stock will be adjusted so that the number of shares of Class&nbsp;A Common Stock issuable upon conversion of all shares of Class&nbsp;B Common
Stock will equal, in the aggregate, twenty-five percent (25%) of the sum of (a)&nbsp;the total number of all shares of Class&nbsp;A Common Stock issued in the Offering (including any shares of Class&nbsp;A Common Stock issued pursuant to the
underwriters&#146; over-allotment option) plus (b)&nbsp;the sum of (i)&nbsp;all shares of Class&nbsp;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&nbsp;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 &#147;<B><I>Sponsor</I></B>&#148;), any private placement units issued to the Sponsor or and any warrants issued to an affiliate of the Sponsor or the Corporation&#146;s officers and
directors upon the conversion of working capital loans made to the Corporation, minus (ii)&nbsp;the number of shares of Class&nbsp;A Common Stock redeemed in connection with a Business Combination, provided that such conversion of shares of
Class&nbsp;B Common Stock shall never be less than the Initial Conversion Ratio. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">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 <U>Section</U><U></U><U>&nbsp;4.3(b)(iii)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">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&nbsp;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, combination or similar reclassification or
recapitalization of the outstanding shares of Class&nbsp;B Common Stock. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each share of Class&nbsp;B Common Stock shall convert into its <I>pro
rata</I> number of shares of Class&nbsp;A Common Stock pursuant to this <U>Section</U><U></U><U>&nbsp;4.3(b)</U>. The <I>pro rata</I> share for each holder of Class&nbsp;B Common Stock will be determined as follows: Each share of Class&nbsp;B Common
Stock shall convert into such number of shares of Class&nbsp;A Common Stock as is equal to the product of one (1)&nbsp;multiplied by a fraction, the numerator of which shall be the total number of shares of Class&nbsp;A Common Stock into which all
of the issued and outstanding shares of Class&nbsp;B Common Stock shall be converted pursuant to this <U>Section</U><U></U><U>&nbsp;4.3(b)</U> and the denominator of which shall be the total number of issued and outstanding shares of Class&nbsp;B
Common Stock at the time of conversion. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) <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&nbsp;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&nbsp;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&nbsp;B Common Stock. Any action required or permitted to be taken at any meeting of the holders of
Class&nbsp;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&nbsp;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&nbsp;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&#146;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&nbsp;B Common Stock shall, to the extent required by law, be given to those holders of Class&nbsp;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&nbsp;B Common Stock to take the action were delivered to the Corporation </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <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 <I>Article IX</I> 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 <FONT STYLE="white-space:nowrap">non-Economic</FONT> Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <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 <I>Article IX</I> 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 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 <FONT STYLE="white-space:nowrap">non-Economic</FONT> 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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.4 <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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BOARD OF DIRECTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.1 <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 (&#147;<B><I>By Laws</I></B>&#148;), 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.2 <U>Number, Election and Term</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except as otherwise provided for or fixed pursuant to the Investor Rights Agreement dated as of July 20, 2021 by and between the
Corporation and the stockholders party thereto (the &#147;<B><I>Investor Rights Agreement</I></B>&#148;) 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Subject to
<U>Section</U><U></U><U>&nbsp;5.5</U> hereof, the Board shall be divided into three classes, as nearly equal in number as possible and designated Class&nbsp;I, Class&nbsp;II and Class&nbsp;III. The Board is authorized to assign members of the Board
already in office to Class&nbsp;I, Class&nbsp;II or Class&nbsp;III. The term of the initial Class&nbsp;I Directors shall expire at the 2022 annual meeting of the stockholders of the Corporation, the term of the initial Class&nbsp;II Directors shall
expire at the 2023 annual meeting of the stockholders of the Corporation and the term of the initial Class&nbsp;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</U><U></U><U>&nbsp;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 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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Subject to <U>Section</U><U></U><U>&nbsp;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&#146;s earlier death, resignation, retirement, disqualification or removal. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.3 <U>Newly Created Directorships and Vacancies</U>.
Subject to <U>Section&nbsp;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)&nbsp;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)&nbsp;the affirmative vote or written consent of a majority of the remaining directors then in office, even if less than a quorum, or (iii)&nbsp;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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.4 <U>Removal</U>. Subject
to <U>Section</U><U></U><U>&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.5 <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> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.6
<U>Quorum</U>. A quorum for the transaction of business by the directors shall be set forth in the By Laws. </P>
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<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BY LAWS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VII </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MEETINGS OF
STOCKHOLDERS; ACTION BY WRITTEN CONSENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.1 <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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Special
meetings of stockholders of the Corporation may be called only (i)&nbsp;by the Chairman of the Board, (ii)&nbsp;by the Chief Executive Officer of the Corporation, (iii)&nbsp;by the Board pursuant to a resolution adopted by a majority of the Board,
or (iv)&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, 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) 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 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&#146;s registered office shall be made by hand, or by certified or registered mail, return receipt requested.
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.2 <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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.3 <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&nbsp;B Common Stock with respect to which action may be taken by written consent. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VIII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>LIMITED LIABILITY; INDEMNIFICATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.1 <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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.2 <U>Indemnification and
Advancement of Expenses</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) 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 &#147;<B><I>proceeding</I></B>&#148;) 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
&#147;<B><I>indemnitee</I></B>&#148;), 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&#146; 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&#146; 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 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</U><U></U><U>&nbsp;8.2</U> or otherwise. The rights to indemnification and advancement of
expenses conferred by this <U>Section</U><U></U><U>&nbsp;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 </P>
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foregoing provisions of this <U>Section</U><U></U><U>&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The rights to indemnification and advancement of expenses conferred on any indemnitee by this <U>Section</U><U></U><U>&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Any repeal or amendment of this <U>Section</U><U></U><U>&nbsp;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</U><U></U><U>&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) This <U>Section</U><U></U><U>&nbsp;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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IX </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BUSINESS
COMBINATION REQUIREMENTS; EXISTENCE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.1 <U>General</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) 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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) 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&#146; over-allotment option) and certain other amounts specified in the Corporation&#146;s registration statement on Form <FONT STYLE="white-space:nowrap">S-1,</FONT> initially filed with the U.S.
Securities and Exchange Commission (the &#147;<B><I>SEC</I></B>&#148;) on August&nbsp;26, 2020, as amended (the &#147;<B><I>Registration Statement</I></B>&#148;), shall be deposited in a trust account (the &#147;<B><I>Trust Account</I></B>&#148;),
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)&nbsp;the completion of the initial Business Combination, (ii)&nbsp;the redemption of one hundred
percent (100%) of the Offering Shares (as defined below) if the Corporation is unable to complete its initial Business Combination within 24 months from the closing of the Offering and (iii)&nbsp;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</U><U></U><U>&nbsp;9.7</U>. Holders of shares of Common Stock included as part of the units sold in the Offering (the &#147;<B><I>Offering
Shares</I></B>&#148;) (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 &#147;<B><I>Public Stockholders</I></B>&#148;. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.2 <U>Redemption Rights</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) 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 &#147;<B><I>Redemption Rights</I></B>&#148;) for cash equal to the applicable redemption price per share determined in accordance with <U>Section</U><U></U><U>&nbsp;9.2(b)</U> hereof (the
&#147;<B><I>Redemption Price</I></B>&#148;); 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 &#147;<B><I>Redemption Limitation</I></B>&#148;). 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(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 &#147;<B>Exchange Act</B>&#148;) (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
<U>Section</U><U></U><U>&nbsp;9.2(a)</U> hereof pursuant to a tender offer in accordance with Rule <FONT STYLE="white-space:nowrap">13e-4</FONT> and Regulation 14E of the Exchange Act (or any successor rule or regulation) (such rules and regulations
hereinafter called the &#147;<B>Tender Offer Rules</B>&#148;) 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 &#147;<B>Proxy Solicitation Rules</B>&#148;), 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 <U>Section</U><U></U><U>&nbsp;9.2(a)</U> 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 <U>Section</U><U></U><U>&nbsp;9.2(b)</U>. 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)&nbsp;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)&nbsp;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 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)&nbsp;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)&nbsp;the total number of then outstanding Offering Shares. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(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 &#147;group&#148;
(as defined under Section&nbsp;13(d)(3) of the Exchange Act), shall be restricted from seeking Redemption Rights with respect to more than an aggregate of fifteen percent (15%) of the Offering Shares without the prior consent of the Corporation.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(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)&nbsp;cease all operations except for the purpose of winding up, (ii)&nbsp;as promptly as reasonably possible but not more than ten business days thereafter subject to lawfully available funds therefor, redeem one
hundred percent (100%) of the Offering Shares in consideration of a <FONT STYLE="white-space:nowrap">per-share</FONT> price, payable in cash, equal to the quotient obtained by dividing (A)&nbsp;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)&nbsp;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)&nbsp;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&#146;s obligations under the DGCL to provide for claims of creditors
and other requirements of applicable law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) 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)&nbsp;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)&nbsp;the Redemption Limitation is not exceeded. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) If the Corporation conducts a tender offer pursuant to <U>Section</U><U></U><U>&nbsp;9.2(b)</U>, the Corporation shall consummate the
proposed initial Business Combination only if the Redemption Limitation is not exceeded. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.3 <U>Distributions from the Trust
Account</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) 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>
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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&nbsp;A Common
Stock on any initial Business Combination, on any <FONT STYLE="white-space:nowrap">pre-Business</FONT> Combination activity or on any amendment to this <I>Article IX</I>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.5 <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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.6 <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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.7 <U>Additional Redemption Rights</U>. If,
in accordance with <U>Section</U><U></U><U>&nbsp;9.1(a)</U>, any amendment is made to this Second Amended and Restated Certificate (a)&nbsp;to modify the substance or timing of the Corporation&#146;s obligation to redeem one hundred percent (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)&nbsp;with respect to any other material provisions of this Second Amended and Restated
Certificate relating to stockholders&#146; rights or <FONT STYLE="white-space:nowrap">pre-initial</FONT> 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 <FONT STYLE="white-space:nowrap">per-share</FONT> 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 <I>Article IX</I> will remain unchanged, if any stockholders who wish to redeem
are unable to redeem due to the Redemption Limitation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.8 <U>Minimum Value of Initial Business Combination</U>. The
Corporation&#146;s initial Business Combination must be comprised of one or more Business Combinations having an aggregate fair market value of at least eighty percent (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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE X </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DGCL SECTION
203 AND BUSINESS COMBINATIONS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.1. <U>DGCL Section</U><U></U><U>&nbsp;203</U>. Effective immediately following the
closing of the initial Business Combination, the Corporation hereby expressly elects not to be governed by Section&nbsp;203 of the DGCL. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.2. <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&#146;s Common Stock is registered under Section&nbsp;12(b) or 12(g) of the Exchange Act, with any
interested stockholder (as defined below) for a period of three (3)&nbsp;years following the time that such stockholder became an interested stockholder, unless: </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) 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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) 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)&nbsp;persons who are directors and also officers and (ii)&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) 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 <FONT STYLE="white-space:nowrap">sixty-six</FONT> and <FONT STYLE="white-space:nowrap">two-thirds</FONT> percent (66 2/3%) of the outstanding voting stock of the
Corporation that is not owned by the interested stockholder, or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) the stockholder became an interested stockholder inadvertently and
(i)&nbsp;as soon as practicable divested itself of ownership of sufficient shares so that the stockholder ceased to be an interested stockholder and (ii)&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.3. <U>Definitions</U>. For purposes of this <I>Article X</I>, references to: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) &#147;<B><I>affiliate</I></B>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) &#147;<B><I>associate</I></B>&#148;, when used to indicate a
relationship with any person, means: (i)&nbsp;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)&nbsp;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)&nbsp;any relative
or spouse of such person, or any relative of such spouse, who has the same residence as such person. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) &#147;<B><I>SCG</I></B>&#148;
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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) &#147;<B><I>SCG Direct Transferee</I></B>&#148; means any person that acquires (other than in a registered public offering) directly from
SCG or any of its successors or any &#147;group&#148;, or any member of any such group, of which such persons are a party under Rule <FONT STYLE="white-space:nowrap">13d-5</FONT> of the Exchange Act beneficial ownership of fifteen percent (15%) or
more of the then outstanding voting stock of the Corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) &#147;<B><I>business combination</I></B>&#148;, when used in reference
to the Corporation and any interested stockholder of the Corporation, means: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i) any merger or consolidation of the Corporation or any
direct or indirect majority-owned subsidiary of the Corporation (a)&nbsp;with the interested stockholder, or (b)&nbsp;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 <U>Section</U><U></U><U>&nbsp;10.2</U><I> </I>is not applicable to the surviving entity; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii) 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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii) 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)&nbsp;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&#146;s Class&nbsp;B common stock into shares of Class&nbsp;A Common Stock on a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">one-for-one</FONT></FONT> basis in
connection with the consummation of the Initial Business Combination; (b)&nbsp;pursuant to a merger under Section&nbsp;251(g) of the DGCL; (c)&nbsp;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)&nbsp;pursuant to an exchange offer by the Corporation to purchase stock made on the same terms to all holders of said stock; or (e)&nbsp;any issuance or transfer of stock by the Corporation; provided, however,
that in no case under items (c)-(e) of this subsection (iii)&nbsp;shall there be an increase in the interested stockholder&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iv) 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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(v) 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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) &#147;<B><I>control</I></B>&#148;, including the terms
&#147;<B><I>controlling</I></B>&#148;, &#147;<B><I>controlled by</I></B>&#148; and &#147;<B><I>under common control with</I></B>&#148;, 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 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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) &#147;<B><I>interested stockholder</I></B>&#148; means any person (other than the Corporation or any direct or indirect majority-owned
subsidiary of the Corporation) that (i)&nbsp;is the owner of fifteen percent (15%) or more of the outstanding voting stock of the Corporation, (ii)&nbsp;is an affiliate or associate of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

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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)&nbsp;year period immediately prior to the date
on which it is sought to be determined whether such person is an interested stockholder or (iii)&nbsp;the affiliates and associates of any such person described in clauses (i)&nbsp;and (ii); provided, however, that &#147;interested stockholder&#148;
shall not include (a)&nbsp;SCG, any SCG Direct Transferee, any SCG Holder or any of their respective affiliates or successors or any &#147;group&#148;, or any member of any such group, to which such persons are a party under Rule <FONT
STYLE="white-space:nowrap">13d-5</FONT> of the Exchange Act, or (b)&nbsp;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)&nbsp;shall be an interested stockholder if thereafter such person acquires additional shares of voting stock of the Corporation, except as a result of (x)&nbsp;further corporate action not caused,
directly or indirectly, by such person or (y)&nbsp;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 &#147;owner&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)
&#147;<B><I>owner</I></B>&#148;, including the terms &#147;<B><I>own</I></B>&#148; and &#147;<B><I>owned</I></B>&#148;, 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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i) beneficially owns such stock, directly or indirectly; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii) has (a)&nbsp;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&#146;s affiliates or associates until such tendered stock is accepted for purchase or exchange; or (b)&nbsp;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&#146;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)&nbsp;or more persons; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii) 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)&nbsp;of subsection (ii)&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)
&#147;<B><I>person</I></B>&#148; means any individual, corporation, partnership, unincorporated association or other entity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j)
&#147;<B><I>stock</I></B>&#148; means, with respect to any corporation, capital stock and, with respect to any other entity, any equity interest. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) &#147;<B><I>voting stock</I></B>&#148; 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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XI </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CORPORATE OPPORTUNITY </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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)&nbsp;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)&nbsp;the director or officer is permitted to refer that opportunity to the Corporation without violating any legal obligation. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XII </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AMENDMENT
OF SECOND AMENDED AND RESTATED CERTIFICATE OF INCORPORATION </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE
XIII </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXCLUSIVE FORUM FOR CERTAIN LAWSUITS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.1 <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 &#147;<B><I>Court of Chancery</I></B>&#148;) shall be the sole and exclusive forum for any stockholder (including a beneficial owner) to bring (i)&nbsp;any derivative action or proceeding brought on behalf of the
Corporation, (ii)&nbsp;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&#146;s stockholders, (iii)&nbsp;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)&nbsp;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 such stockholder&#146;s counsel, except for,
as to each of (i)&nbsp;through (iv) above, any claim (A)&nbsp;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)&nbsp;for which the Court of Chancery does
not have subject matter jurisdiction, or (D)&nbsp;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</U><U></U><U>&nbsp;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</U><U></U><U>&nbsp;13.1</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.2 <U>Consent to Jurisdiction</U>. If any action the subject matter of which
is within the scope of <U>Section</U><U></U><U>&nbsp;13.1</U> immediately above is filed in a court other than a court located within the State of Delaware (a &#147;<B><I>Foreign Action</I></B>&#148;) in the name of any stockholder, such stockholder
shall be deemed to have consented to (i)&nbsp;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 <U>Section</U><U></U><U>&nbsp;13.1</U>
immediately above (an &#147;<B><I>FSC Enforcement Action</I></B>&#148;) and (ii)&nbsp;having service of process made upon such stockholder in any such FSC Enforcement Action by service upon such stockholder&#146;s counsel in the Foreign Action as
agent for such stockholder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;13.3 <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>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page Follows</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="bottom" COLSPAN="3"><B>FG NEW AMERICA ACQUISITION CORP.</B></TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="bottom">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">/s/ Larry G. Swets, Jr.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Name: Larry G. Swets, Jr.</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Title: Chief
Executive Officer</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page to Second Amended and Restated Certificate of Incorporation</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 3.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AMENDED AND RESTATED BYLAWS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OF </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OPPFI, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(THE &#147;CORPORATION&#148;) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OFFICES
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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&#146;s registered agent in Delaware. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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 &#147;<B><I>Board</I></B>&#148;) may from time to time determine or as the business and affairs of the
Corporation may require. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>STOCKHOLDERS MEETINGS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;2.2. Special Meetings</B>. Subject to the rights of the holders of any outstanding series of the preferred stock
of the Corporation (&#147;<B><I>Preferred Stock</I></B>&#148;), and to the requirements of applicable law, special meetings of stockholders, for any purpose or purposes, may be called only (i)&nbsp;by the Chairman of the Board, (ii)&nbsp;the Chief
Executive Officer, (iii)&nbsp;by the Board pursuant to a resolution adopted by a majority of the Board, or (iv)&nbsp;at any time when the SCG Holders (as defined in that certain Investor Rights Agreement, dated as of July 20, 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 &#147;<B><I>SCG Representative</I></B>&#148;) 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&#146;s notice of the meeting; <I>provided, </I>that the date of any special meeting of stockholders
called pursuant to clause (iv)&nbsp;above shall be not later than ninety (90)&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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 not less than 10 nor more than 60&nbsp;days before the date of the meeting unless otherwise required by the General
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Corporation Law of the State of Delaware (the &#147;<B><I>DGCL</I></B>&#148;). 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&#146;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 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</U><U></U><U>&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;2.4. Quorum</B>. Except as otherwise provided by applicable
law, the Corporation&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;2.5. Voting of Shares</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;<U>Voting Lists</U>. The Secretary of the Corporation (the &#147;<B><I>Secretary</I></B>&#148;) 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</U><U></U><U>&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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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 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&#146;s discretion, may require that any votes cast at such meeting shall be cast by written ballot. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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&#146;s authorized officer, director, employee or agent signing such writing or causing such person&#146;s signature to be affixed to such writing by any reasonable means, including, but not limited
to, by facsimile signature. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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</U><U></U><U>&nbsp;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</U><U></U><U>&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;2.7. Advance Notice for Business</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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&#146;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&#146;s
notice as described in this <U>Section</U><U></U><U>&nbsp;2.7(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii) To be in proper written form, a stockholder&#146;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 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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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&#146;s intention to present such proposal at an annual meeting in compliance with <FONT
STYLE="white-space:nowrap">Rule&nbsp;14a-8</FONT> (or any successor thereof) of the Securities Exchange Act of 1934, as amended (the &#147;<B><I>Exchange Act</I></B>&#148;), 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&#146;s notice does not satisfy the information requirements of this <U>Section</U><U></U><U>&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</U><U></U><U>&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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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&#146;s proxy statement pursuant to <FONT STYLE="white-space:nowrap">Rule&nbsp;14a-8</FONT> under the Exchange Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;s notice of meeting, or in the case of a special meeting of stockholders called by the SCG Representative pursuant to <U>Section</U><U></U><U>&nbsp;2.2</U>, pursuant to the SCG
Representative&#146;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&#146;s notice of meeting only pursuant to&nbsp;<U>Section&nbsp;3.2</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;<U>Public Announcement</U>. For purposes of these Bylaws, &#147;<B><I>public announcement</I></B>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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&#146;s registered office shall be by hand or by certified or registered mail, return receipt requested. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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&#146;s registered office shall be by hand or by certified or registered mail, return receipt requested. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DIRECTORS
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;3.2. Advance Notice for Nomination of Directors</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;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>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;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&#146;s notice as described in this&nbsp;<U>Section&nbsp;3.2</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) To be in proper written form, a stockholder&#146;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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;s notice does not satisfy the information requirements of this <U>Section&nbsp;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="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BOARD
MEETINGS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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</U><U></U><U>&nbsp;4.1</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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</U><U></U><U>&nbsp;9.4</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

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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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE
V </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>COMMITTEES OF DIRECTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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</U><U></U><U>&nbsp;III</U> and <U>Article</U><U></U><U>&nbsp;IV</U> of
these Bylaws. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VI </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OFFICERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

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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<U>&nbsp;Article</U><U></U><U>&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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;<U>Secretary</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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&#146;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 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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VII </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SHARES
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;7.4. Consideration and Payment for Shares</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;7.5. Lost,
Destroyed or Wrongfully Taken Certificates</B>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;7.6. Transfer of Stock</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i) in the case of certificated shares, the certificate representing such shares has been surrendered; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(v) such other conditions for such transfer as shall be provided for under applicable law have
been satisfied. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;7.8. Effect of the Corporation&#146;s Restriction on Transfer</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VIII </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INDEMNIFICATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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 &#147;<B><I>proceeding</I></B>&#148;), 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 &#147;<B><I>Indemnitee</I></B>&#148;), 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&#146; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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&#146; fees) incurred in defending or
otherwise participating in any such proceeding in advance of its final disposition (hereinafter an &#147;<B><I>advancement of expenses</I></B>&#148;); 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&#146;s receipt of an undertaking (hereinafter an &#147;<B><I>undertaking</I></B>&#148;), 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<U>&nbsp;Article</U><U></U><U>&nbsp;VIII</U>&nbsp;or otherwise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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 &#147;<B><I>final adjudication</I></B>&#148;) 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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;8.4. <FONT STYLE="white-space:nowrap">Non-Exclusivity</FONT>
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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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&nbsp;VIII</U>
shall require the affirmative vote of the stockholders holding at least <FONT STYLE="white-space:nowrap">sixty-six</FONT> and <FONT STYLE="white-space:nowrap">two-thirds</FONT> percent (66.7%) of the voting power of all outstanding shares of capital
stock of the Corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;8.8. Certain Definitions</B>. For purposes of this&nbsp;<U>Article&nbsp;VIII</U>,
(a)&nbsp;references to &#147;<B><I>other enterprise</I></B>&#148; shall include any employee benefit plan; (b)&nbsp;references to &#147;<B><I>fines</I></B>&#148; shall include any excise taxes assessed on a person with respect to an employee benefit
plan; (c)&nbsp;references to &#147;<B><I>serving at the request of the Corporation</I></B>&#148; 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 &#147;not
opposed to the best interest of the Corporation&#148; for purposes of Section&nbsp;145 of the DGCL. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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&#146;s heirs, executors and administrators. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MISCELLANEOUS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.2. Fixing Record Dates</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&nbsp;9.2(a)</U> at the adjourned meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&nbsp;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)&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.3. Means of Giving Notice</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;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&#146;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&#146;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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;<U>Electronic Transmission</U>. &#147;<B><I>Electronic transmission</I></B>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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&#146;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>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">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 <FONT STYLE="white-space:nowrap">12-month</FONT> period, have been mailed addressed to such stockholder at such stockholder&#146;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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;9.5. Meeting Attendance via Remote Communication Equipment. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i) participate in a meeting of stockholders; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(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="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(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 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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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&#146;s capital stock) on the Corporation&#146;s outstanding shares of capital stock, subject to applicable law and the Certificate of Incorporation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&nbsp;9.9.
Fiscal Year</B>. The fiscal year of the Corporation shall be fixed by the Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

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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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section</B><B></B><B>&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)&nbsp;the affirmative vote of the holders of at least a majority (except as otherwise provided in
<U>Section</U><U></U><U>&nbsp;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)&nbsp;the written consent of the holders of at least a majority (except as otherwise provided in <U>Section</U><U></U><U>&nbsp;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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 4.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Form&nbsp;of Warrant Certificate </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[FACE] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Number </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Warrants </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THIS WARRANT
SHALL BE VOID IF NOT EXERCISED PRIOR TO </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE EXPIRATION OF THE EXERCISE PERIOD PROVIDED FOR </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>IN THE WARRANT AGREEMENT DESCRIBED BELOW </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OPPFI INC. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>Incorporated Under the Laws of the State of Delaware </I></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">CUSIP 68386H 111 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Warrant
Certificate </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B><I>This Warrant Certificate certifies that</I></B>&nbsp;________________, or registered assigns, is the registered
holder of warrant(s)&nbsp;evidenced hereby (the &#147;<B><I>Warrants</I></B>&#148; and each, a &#147;<B><I>Warrant</I></B>&#148;) to purchase shares of Class&nbsp;A common stock, $0.0001 par value per share
(&#147;<B><I>Class</I></B><B><I></I></B><B><I>&nbsp;A Common Stock</I></B>&#148;), of OppFi Inc., a Delaware corporation (the &#147;<B><I>Company</I></B>&#148;). Each whole Warrant entitles the holder, upon exercise during the period set forth in
the Warrant Agreement referred to below, to receive from the Company that number of fully paid and <FONT STYLE="white-space:nowrap">non-assessable</FONT> shares of Class&nbsp;A Common Stock as set forth below, at the exercise price (the
&#147;<B><I>Warrant Price</I></B>&#148;) as determined pursuant to the Warrant Agreement, payable in lawful money (or through &#147;<B><I>cashless exercise</I></B>&#148; as provided for in the Warrant Agreement) of the United States of America upon
surrender of this Warrant Certificate and payment of the Warrant Price at the office or agency of the Warrant Agent referred to below, subject to the conditions set forth herein and in the Warrant Agreement. Defined terms used in this Warrant
Certificate but not defined herein shall have the meanings given to them in the Warrant Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each whole Warrant is initially
exercisable for one fully paid and <FONT STYLE="white-space:nowrap">non-assessable</FONT> share of Class&nbsp;A Common Stock. No fractional shares will be issued upon exercise of any Warrant. If, upon the exercise of Warrants, a holder would be
entitled to receive a fractional interest in a share of Class&nbsp;A Common Stock, the Company will, upon exercise, round down to the nearest whole number the number of shares of Class&nbsp;A Common Stock to be issued to the Warrant holder. The
number of shares of Class&nbsp;A Common Stock issuable upon exercise of the Warrants is subject to adjustment upon the occurrence of certain events set forth in the Warrant Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The initial Warrant Price per share of Class&nbsp;A Common Stock for any Warrant is equal to $11.50 per share. The Warrant Price is subject to
adjustment upon the occurrence of certain events set forth in the Warrant Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the conditions set forth in the Warrant
Agreement, the Warrants may be exercised only during the Exercise Period and to the extent not exercised by the end of such Exercise Period, such Warrants shall become void. The Warrants may be redeemed, subject to certain conditions, as set forth
in the Warrant Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the further provisions of this Warrant Certificate set forth on the reverse hereof
and such further provisions shall for all purposes have the same effect as though fully set forth at this place. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Warrant Certificate shall not be valid unless countersigned by the Warrant Agent, as
such term is used in the Warrant Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Warrant Certificate shall be governed by and construed in accordance with the internal
laws of the State of New York. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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<TD VALIGN="top" COLSPAN="3"><B>OPPFI INC.</B></TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
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<TD VALIGN="top" COLSPAN="3"><B>CONTINENTAL STOCK TRANSFER</B><B></B><B>&nbsp;&amp; TRUST COMPANY </B><BR>as Warrant Agent</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page</I><I></I><I>&nbsp;to Warrant Certificate</I>] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Form&nbsp;of Warrant Certificate] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Reverse] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Warrants
evidenced by this Warrant Certificate are part of a duly authorized issue of Warrants entitling the holder on exercise to receive shares of Class&nbsp;A Common Stock and are issued or to be issued pursuant to a Warrant Agreement dated as of
September&nbsp;29, 2020 (the &#147;<B><I>Warrant Agreement</I></B>&#148;), duly executed and delivered by the Company to Continental Stock Transfer&nbsp;&amp; Trust Company, a New York corporation, as warrant agent (the &#147;<B><I>Warrant
Agent</I></B>&#148;), which Warrant Agreement is hereby incorporated by reference in and made a part of this instrument and is hereby referred to for a description of the rights, limitation of rights, obligations, duties and immunities thereunder of
the Warrant Agent, the Company and the holders (the words &#147;<B><I>holders</I></B>&#148; or &#147;<B><I>holder</I></B>&#148; meaning the Registered Holders or Registered Holder, respectively) of the Warrants. A copy of the Warrant Agreement may
be obtained by the holder hereof upon written request to the Company. Defined terms used in this Warrant Certificate but not defined herein shall have the meanings given to them in the Warrant Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Warrants may be exercised at any time during the Exercise Period set forth in the Warrant Agreement. The holder of Warrants evidenced by this
Warrant Certificate may exercise them by surrendering this Warrant Certificate, with the form of election to purchase set forth hereon properly completed and executed, together with payment of the Warrant Price as specified in the Warrant Agreement
(or through &#147;cashless exercise&#148; as provided for in the Warrant Agreement) at the principal corporate trust office of the Warrant Agent. In the event that upon any exercise of Warrants evidenced hereby the number of Warrants exercised shall
be less than the total number of Warrants evidenced hereby, there shall be issued to the holder hereof or his, her or its assignee, a new Warrant Certificate evidencing the number of Warrants not exercised. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything else in this Warrant Certificate or the Warrant Agreement, no Warrant may be exercised unless at the time of exercise
(i)&nbsp;a registration statement covering the shares of Class&nbsp;A Common Stock to be issued upon exercise is effective under the Securities Act and (ii)&nbsp;a prospectus thereunder relating to the shares of Class&nbsp;A Common Stock is current,
except through &#147;cashless exercise&#148; as provided for in the Warrant Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Warrant Agreement provides that upon the
occurrence of certain events the number of shares of Class&nbsp;A Common Stock issuable upon exercise of the Warrants set forth on the face hereof may, subject to certain conditions, be adjusted. If, upon exercise of a Warrant, the holder thereof
would be entitled to receive a fractional interest in a share of Class&nbsp;A Common Stock, the Company shall, upon exercise, round down to the nearest whole number of shares of Class&nbsp;A Common Stock to be issued to the holder of the Warrant.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Warrant Certificates, when surrendered at the principal corporate trust office of the Warrant Agent by the Registered Holder thereof in
person or by legal representative or attorney duly authorized in writing, may be exchanged, in the manner and subject to the limitations provided in the Warrant Agreement, but without payment of any service charge, for another Warrant Certificate or
Warrant Certificates of like tenor evidencing in the aggregate a like number of Warrants. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon due presentation for registration of
transfer of this Warrant Certificate at the office of the Warrant Agent a new Warrant Certificate or Warrant Certificates of like tenor and evidencing in the aggregate a like number of Warrants shall be issued to the transferee(s)&nbsp;in exchange
for this Warrant Certificate, subject to the limitations provided in the Warrant Agreement, without charge except for any tax or other governmental charge imposed in connection therewith. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company and the Warrant Agent may deem and treat the Registered Holder(s)&nbsp;hereof as the absolute owner(s)&nbsp;of this Warrant
Certificate (notwithstanding any notation of ownership or other writing hereon made by anyone), for the purpose of any exercise hereof, of any distribution to the holder(s)&nbsp;hereof, and for all other purposes, and neither the Company nor the
Warrant Agent shall be affected by any notice to the contrary. Neither the Warrants nor this Warrant Certificate entitles any holder hereof to any rights of a stockholder of the Company. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Election to Purchase </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(To Be Executed Upon Exercise of Warrant) </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned hereby irrevocably elects to exercise the right, represented by this Warrant Certificate, to receive _____ shares of
Class&nbsp;A Common Stock and herewith tenders payment for such shares of Class&nbsp;A Common Stock to the order of OppFi Inc. (the &#147;<B><I>Company</I></B>&#148;) in the amount of $_____________ in accordance with the terms hereof. The
undersigned requests that a certificate for such shares of Class&nbsp;A Common Stock be registered in the name of _____________, whose address is _______________ and that such shares of Class&nbsp;A Common Stock be delivered to ______________ whose
address is _______________. If said number of shares of Class&nbsp;A Common Stock is less than all of the shares of Class&nbsp;A Common Stock purchasable hereunder, the undersigned requests that a new Warrant Certificate representing the remaining
balance of such shares of Class&nbsp;A Common Stock be registered in the name of ___________________, whose address is _______________ and that such Warrant Certificate be delivered to _______________, whose address is _______________. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that the Warrant has been called for redemption by the Company pursuant to <U>Section&nbsp;6.1</U> of the Warrant Agreement and
the Company has required cashless exercise pursuant to <U>Section&nbsp;6.3</U> of the Warrant Agreement, the number of shares of Class&nbsp;A Common Stock that this Warrant is exercisable for shall be determined in accordance with <U>subsection
3.3.1(b)</U> and <U>Section&nbsp;6.3</U>&nbsp;of the Warrant Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that the Warrant is a Private Placement Warrant or a
Working Capital Warrant that is to be exercised on a &#147;cashless&#148; basis pursuant to <U>subsection 3.3.1(c)</U> of the Warrant Agreement, the number of shares of Class&nbsp;A Common Stock that this Warrant is exercisable for shall be
determined in accordance with <U>subsection 3.3.1(c)</U> of the Warrant Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that the Warrant is to be exercised on a
&#147;cashless&#148; basis pursuant to <U>Section&nbsp;7.4</U> of the Warrant Agreement, the number of shares of Class&nbsp;A Common Stock that this Warrant is exercisable for shall be determined in accordance with <U>Section&nbsp;7.4</U> of the
Warrant Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that the Warrant may be exercised, to the extent allowed by the Warrant Agreement, through cashless
exercise (i)&nbsp;the number of shares of Class&nbsp;A Common Stock that this Warrant is exercisable for would be determined in accordance with the relevant section of the Warrant Agreement which allows for such cashless exercise and (ii)&nbsp;the
holder hereof shall complete the following: The undersigned hereby irrevocably elects to exercise the right, represented by this Warrant Certificate, through the cashless exercise provisions of the Warrant Agreement, to receive shares of
Class&nbsp;A Common Stock. If said number of shares of Class&nbsp;A Common Stock is less than all of the shares of Class&nbsp;A Common Stock purchasable hereunder (after giving effect to the cashless exercise), the undersigned requests that a new
Warrant Certificate representing the remaining balance of such shares of Class&nbsp;A Common Stock be registered in the name of ________________, whose address is________________ and that such Warrant Certificate be delivered to ________________,
whose address is ________________. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page</I><I></I><I>&nbsp;Follows</I>] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="1%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: ____________, 20___</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Signature</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(Address)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(Tax Identification Number)</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Signature Guaranteed:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THE SIGNATURE(S)&nbsp;SHOULD BE GUARANTEED BY AN ELIGIBLE GUARANTOR INSTITUTION (BANKS, STOCKBROKERS, SAVINGS AND LOAN
ASSOCIATIONS AND CREDIT UNIONS WITH MEMBERSHIP IN AN APPROVED SIGNATURE GUARANTEE MEDALLION PROGRAM, PURSUANT TO S.E.C. RULE <FONT STYLE="white-space:nowrap">17Ad-15</FONT> UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED (OR ANY SUCCESSOR
RULE)). </P>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>5
<FILENAME>d206615dex101.htm
<DESCRIPTION>EX-10.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.1</TITLE>
</HEAD>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>INVESTOR RIGHTS AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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 &#147;<U>Investor Rights Agreement</U>&#148;), dated as of July&nbsp;20, 2021 (the &#147;<U>Effective Date</U>&#148;), is made by and among (i)&nbsp;OppFi, Inc. (formerly FG New America Acquisition Corp.), a Delaware
corporation (&#147;<U>PubCo</U>&#148; or the &#147;<U>Company</U>&#148;); (ii) each of the member signatories party hereto (each, a &#147;<U>Member</U>&#148; and collectively, the &#147;<U>Members</U>&#148;); (iii) Todd Schwartz in his capacity as
the Members&#146; Representative hereunder (the &#147;<U>Members</U><U>&#146;</U><U> Representative</U>&#148;); (iv) FG New America Investors LLC, a Delaware limited liability company (the &#147;<U>Sponsor</U>&#148;); (v) Larry G. Swets, Jr., D.
Kyle Cerminara, Hassan R. Baqar, Joseph Moglia, Nicholas Spencer Rudd, Robert Christopher Weeks (together with the Sponsor, the &#147;<U>Founder Holders</U>&#148; and each, a &#147;<U>Founder Holder</U>&#148;) and (vi)&nbsp;Piper Sandler&nbsp;&amp;
Co. and ThinkEquity, a division of Fordham Financial Management, Inc. (collectively, the &#147;<U>Underwriter Holders</U>&#148;). Each of PubCo, the Members, the Members&#146; Representative, each Founder Holder and each of the Underwriter Holders
may be referred to herein as a &#147;<U>Party</U>&#148; and collectively as the &#147;<U>Parties</U>&#148;. Capitalized terms used but not otherwise defined herein shall have the respective meanings set forth in the BCA (as defined below). </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RECITALS </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, PubCo has entered into that certain Business Combination Agreement, dated as of February&nbsp;9, 2021, by and among PubCo,
Opportunity Financial, LLC, a Delaware limited liability company (the &#147;<U>Operating Company</U>&#148;), and the Members&#146; 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 &#147;<U>BCA</U>&#148;), in connection with the business combination (the &#147;<U>Business Combination</U>&#148;) contemplated by the BCA; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, simultaneously with the Closing, the Members amended and restated the Operating Company&#146;s LLCA by adopting the Third
Amended and Restated Limited Liability Company Agreement of the Operating Company (the &#147;<U>Operating Company A&amp;R LLCA</U>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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 &#147;<U>Earned Earnout</U><U></U><U>&nbsp;Company Units</U>&#148;), 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 &#147;<U>Earned
Earnout</U><U></U><U>&nbsp;Voting Shares</U>&#148;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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&nbsp;B Common Stock (as herein defined) converted into shares of Buyer Class&nbsp;A Common Stock (after giving effect to the Amended Sponsor Letter (as
herein defined)) on a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">one-for-one</FONT></FONT> basis (the &#147;<U>Class</U><U></U><U>&nbsp;B Common Stock Conversion</U>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, PubCo, the Founder Holders and the Underwriter Holders entered into that certain Registration Rights Agreement, dated as of
September&nbsp;29, 2020 (the &#147;<U>Original RRA</U>&#148;); </P>
</DIV></Center>


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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DEFINITIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;1.1 <U>Definitions</U>. As used in this Investor Rights Agreement, the following terms shall have the following meanings: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Adverse Disclosure</U>&#148; means any public disclosure of
<FONT STYLE="white-space:nowrap">material&nbsp;non-public&nbsp;information,</FONT> 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<I>&nbsp;bona fide</I>&nbsp;business purpose for not making such information public. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Affiliate</U>&#148; of any particular
Person means any other Person controlling, controlled by or under common control with such Person, where &#147;control&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Amended Sponsor Letter</U>&#148; means that certain Letter Agreement, dated as of July&nbsp;20, 2021, by and among PubCo, the Founder
Holders, the Member&#146;s Representative and the Operating Company, as the same may be amended, modified, supplemented or waived from time to time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Automatic Shelf Registration Statement</U>&#148; has the meaning set forth in Rule 405 promulgated by the SEC pursuant to the
Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>BCA</U>&#148; has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Beneficially Own</U>&#148; has the meaning set forth in <FONT STYLE="white-space:nowrap">Rule&nbsp;13d-3&nbsp;promulgated</FONT>
under the Exchange Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Board</U>&#148; means the board of directors of PubCo. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Business Combination</U>&#148; has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Business Day</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Bylaws</U>&#148; 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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Certificate of Incorporation</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Class</U><U></U><U>&nbsp;A Common Stock</U>&#148; 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)&nbsp;any shares of such Class&nbsp;A common stock issued pursuant to
the Class&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Class</U><U></U><U>&nbsp;A
Common Units</U>&#148; means Class&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Class</U><U></U><U>&nbsp;B Common Stock</U>&#148; 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&nbsp;A Common Stock in connection with the Closing of the BCA pursuant to the Class&nbsp;B Common Stock Conversion. Shares of the Class&nbsp;B Common Stock may also be
referred to as the &#147;<U>Founders Shares</U>.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Class B Common Stock Conversion</U>&#148; has the meaning set forth in
the Recitals. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Class</U><U></U><U>&nbsp;V Voting Stock</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Common Stock</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Operating Company A&amp;R LLCA</U>&#148; has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Confidential Information</U>&#148; has the meaning set forth in&nbsp;<U>Section 2.2</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Controlled Company Eligible</U>&#148; means qualifying as a controlled company under applicable rules of the securities exchange on
which PubCo&#146;s Equity Securities are listed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Controlled Entity</U>&#148; 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&#146;s Family Members, or either of their Affiliates, (b)&nbsp;any trust, whether or not revocable, of which such Person or
such Person&#146;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&#146;s Family Members
or Affiliates hold partnership interests representing at least fifty percent (50%) of such partnership&#146;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&#146;s Family Members or Affiliates hold membership interests representing at least fifty percent (50%) of such limited liability company&#146;s capital and profits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Demanding Holders</U>&#148; has the meaning set forth in&nbsp;<U>Section 3.1(c)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Effective Date</U>&#148; has the meaning set forth in the Preamble. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Equity Securities</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Exchange Act</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Family
Member</U>&#148; means with respect to any Person, such Person&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>FINRA</U>&#148; means the Financial Industry Regulatory Authority, Inc. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Form</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;S-1</FONT></U><U></U><U>&nbsp;Shelf</U>&#148; has the meaning set forth
in&nbsp;<U>Section 3.1(a)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Form</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;S-3</FONT></U><U></U><U>&nbsp;Shelf</U>&#148; has the meaning set forth
in&nbsp;<U>Section 3.1(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Founder Holder</U>&#148; has the meaning set forth in the Preamble. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Founder Holder</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;Lock-Up</FONT></U><U></U><U>&nbsp;Period</U>&#148; has the meaning
set forth in&nbsp;<U>Section 4.1(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Holder</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Holder Information</U>&#148; has
the meaning set forth in&nbsp;<U>Section 3.10(b)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Initial Shares</U>&#148; means an aggregate of 11,600,000 Retained Company
Units (and any Equity Securities into which such units may be exchanged), proportionately amongst the Members based on their respective Percentage Interest as of immediately after the Closing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Investor Rights Agreement</U>&#148; has the meaning set forth in the Preamble. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Lock-Up</FONT></U><U></U><U>&nbsp;Period</U>&#148; has the meaning set forth in&nbsp;<U>Section
4.1(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U><FONT STYLE="white-space:nowrap">Lock-Up</FONT></U><U></U><U>&nbsp;Shares</U>&#148; has the meaning set forth
in&nbsp;<U>Section 4.1(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Maximum Number of Securities</U>&#148; has the meaning set forth in&nbsp;<U>Section 3.1(d)</U>.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Member Director</U>&#148; has the meaning set forth in&nbsp;<U>Section 2.1(a)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Members</U>&#148; has the meaning set forth in the Preamble. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Member</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;Lock-Up</FONT></U><U></U><U>&nbsp;Period</U>&#148; has the meaning set
forth in&nbsp;<U>Section 4.1(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Members&#146; Representative</U>&#148; has the meaning set forth in the Preamble. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Minimum Takedown Threshold</U>&#148; has the meaning set forth in&nbsp;<U>Section 3.1(c)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Misstatement</U>&#148; 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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Moglia</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;Lock-Up</FONT></U><U></U><U>&nbsp;Period</U>&#148; has the meaning set
forth in&nbsp;<U>Section 4.1(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Necessary Action</U>&#148; 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&#146;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&#146;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&#146; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>NYSE</U>&#148; means The New York Stock Exchange. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>NYSE Independent</U>&#148; 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)&nbsp;the time of the nomination of such Director pursuant to <U>Section</U><U></U><U>&nbsp;2.1</U> and (ii)&nbsp;the
time of any vote, decision or recommendation made by such Director as a member of the Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Operating Company</U>&#148; has the
meaning set forth in the Recitals. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Organizational Documents</U>&#148; means the Certificate of Incorporation and the Bylaws.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Original RRA</U>&#148; has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Party</U>&#148; has the meaning set forth in the Preamble. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Permitted Transferee</U>&#148; 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></U><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)&nbsp;to any member of the Sponsor or any of their affiliates, (f)&nbsp;by virtue of the laws of the State of Delaware or the Sponsor&#146;s limited liability
company agreement upon dissolution of the Sponsor; or (g)&nbsp;any charitable organization to which such Person Transfers their securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Piggyback Registration</U>&#148; has the meaning set forth in&nbsp;<U>Section 3.2(a)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Prospectus</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>PubCo</U>&#148;
has the meaning set forth in the Preamble. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Registrable Securities</U>&#148; 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&nbsp;A Common Units for Class&nbsp;A Common Stock, along with an equal
number of shares of Class&nbsp;V Voting Stock, (ii)&nbsp;issued pursuant to the Class&nbsp;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, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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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, 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;<U>&nbsp;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<U>&nbsp;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 <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">manner-of-sale&nbsp;restrictions</FONT></FONT> 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&#146;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). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Registration</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Registration Expenses</U>&#148; means the expenses of a Registration or other Transfer pursuant to the terms of this Investor Rights
Agreement, including the following: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) all SEC or securities exchange registration, listing and filing fees (including fees with respect
to filings required to be made with FINRA); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) 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); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) all printing,
messenger, telephone and delivery expenses; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) all fees and disbursements of counsel for PubCo; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) 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; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)
all fees and disbursements of one (1)&nbsp;separate outside counsel (and local and special counsel, to the extent necessary) selected by
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">the&nbsp;majority-in-interest&nbsp;of</FONT></FONT> the Holders participating in such Registration; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) the costs and expenses of PubCo relating to analyst and investor presentations or any &#147;road show&#148; undertaken in connection with
the Registration and/or marketing of the Registrable Securities (including the reasonable <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket&nbsp;expenses</FONT></FONT> of any Requesting Demand Holders in connection
therewith); and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) any other fees and disbursements customarily paid by the issuers of securities. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Registration Statement</U>&#148; 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 supplements to such registration statement,
and all exhibits to and all material incorporated by reference in such registration statement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Representatives</U>&#148; means,
with respect to any Person, any of such Person&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Requesting Holder</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>SCG Holder</U>&#148; means each of the Affiliates of Schwartz Capital Group, LTHS Capital
Group, and Todd Schwartz Capital Group, and any of their respective Permitted Transferees (other than pursuant to clause (e)&nbsp;of the definition thereof or for purposes of Article II of this Investor Rights Agreement pursuant to clause
(g)&nbsp;of the definition thereof) that beneficially own Common Stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>SCG Holders&#146; Representative</U>&#148; means Todd
Schwartz, as representative of the SCG Holders, or any other party designated by a <FONT STYLE="white-space:nowrap">majority-in-intertest</FONT> of the SCG Holders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>SEC</U>&#148; means the United States Securities and Exchange Commission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Securities Act</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Shelf</U>&#148; has the meaning set forth in&nbsp;<U>Section 3.1(a)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Shelf Registration</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Shelf Takedown</U>&#148; means an Underwritten Shelf
Takedown or any proposed transfer or sale using a Registration Statement, including a Piggyback Registration. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Sponsor</U>&#148;
has the meaning set forth in the Preamble. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Subsequent Shelf Registration</U>&#148; has the meaning set forth in&nbsp;<U>Section
3.1(b)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Trading Day</U>&#148; means any day on which the Class&nbsp;A Common Stock is traded on the NYSE, or, if the NYSE is
not the principal trading market for the Class&nbsp;A Common Stock on such day, then on the principal national securities exchange or securities market on which the Class&nbsp;A Common Stock is then traded. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Transfer</U>&#148; 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 &#147;Transferee,&#148; &#147;Transferor,&#148; &#147;Transferred,&#148; and other forms of the word &#147;Transfer&#148; shall have the correlative meanings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Underwriter</U>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Underwriter Holders</U>&#148; has the meaning set forth in the Preamble.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Underwritten Offering</U>&#148; means a Registration in which securities of PubCo
are sold to an Underwriter for distribution to the public. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Underwritten Shelf Takedown</U>&#148; has the meaning set forth
in&nbsp;<U>Section 3.1(e)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>VWAP</U>&#148; means the volume-weighted average share price of Class&nbsp;A Common Stock as
displayed on PubCo&#146;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Warrants</U>&#148; 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&nbsp;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&nbsp;29, 2020, by and among the Buyer and the Sponsor, (ii) 1,512,500 warrants to purchase shares of Class&nbsp;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&nbsp;29, 2020, by and among the Buyer and the Sponsor, (iii) 231,250 warrants to purchase shares of Class&nbsp;A Common Stock at a price of $11.50 per share underlying the 462,500 private
placement units (the &#147;Private Placement Units&#148;) that were issued to the Sponsor pursuant to that certain Private Placement Units Purchase Agreement, dated September&nbsp;29, 2020, by and among and the Buyer and the Sponsor, and (iv) 59,437
warrants to purchase shares of Class&nbsp;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&nbsp;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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Warrant Agreement</U>&#148; means that certain Warrant Agreement, dated as of September&nbsp;29, 2020, by and between PubCo and
Continental Stock Transfer&nbsp;&amp; Trust Company, a New York corporation, as warrant agent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Well-Known Seasoned
Issuer</U>&#148; has the meaning set forth in Rule 405 promulgated by the SEC pursuant to the Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<U>Withdrawal
Notice</U>&#148; has the meaning set forth in&nbsp;<U>Section 3.1(e)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;1.2 <U>Interpretive Provisions</U>. For all
purposes of this Investor Rights Agreement, except as otherwise provided in this Investor Rights Agreement or unless the context otherwise requires: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(a) the singular shall include the plural, and the plural shall include the singular, unless the context clearly prohibits that construction.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(b) the words &#147;<U>hereof</U>&#148;, &#147;<U>herein</U>&#148;, &#147;<U>hereunder</U>&#148; 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(c) 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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(d) whenever the words &#147;include&#148;, &#147;includes&#148; or &#147;including&#148; are used in this
Investor Rights Agreement, they shall mean &#147;without limitation.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(e) 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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:18%; font-size:10pt; font-family:Times New Roman">(f) pronouns
of any gender or neuter shall include, as appropriate, the other pronoun forms. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) the word &#147;or&#148; shall be construed to mean &#147;and/or&#148; and the words
&#147;neither,&#148; &#147;nor,&#148; &#147;any,&#148; &#147;either&#148; and &#147;or&#148; shall not be exclusive, unless the context clearly prohibits that construction. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) the phrase &#147;to the extent&#148; shall be construed to mean &#147;the degree by which.&#148; </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GOVERNANCE
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;2.1 <U>Board of Directors</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <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&#146;
Representative agrees with PubCo that he, she or it shall, take all Necessary Action to cause the Board to be comprised at Closing of seven (7)&nbsp;directors, (i)&nbsp;five (5)&nbsp;of whom have been nominated by the SCG Holders&#146;
Representative (each, a &#147;<U>Member Director</U>&#148;), initially Ted Schwartz, Todd Schwartz, David Vennettilli, Christina Favilla and Jocelyn Moore, at least two (2)&nbsp;of which will be NYSE Independent, (ii)&nbsp;Jared Kaplan (the
&#147;<U>Designated Director</U>&#148;), and (iii)&nbsp;one (1) individual that shall be NYSE Independent (an &#147;<U>Independent Director</U>&#148;), and Todd Schwartz shall initially be the executive chairman of the Board. Each Independent
Director not nominated by the SCG Holders&#146; Representative shall be nominated by the Nominating and Corporate Governance Committee pursuant to <U>Section</U><U></U><U>&nbsp;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: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i) the Class&nbsp;I directors shall include: three
(3)&nbsp;Member Directors, initially Christina Favilla, Jocelyn Moore and Ted Schwartz; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii) the Class&nbsp;II directors shall include:
the Designated Director and one (1)&nbsp;Independent Director, initially Jared Kaplan and Greg Zeeman, respectively; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii) the
Class&nbsp;III directors shall include: two (2)&nbsp;Member Directors, initially David Vennettilli and Todd Schwartz, respectively. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
initial term of the Class&nbsp;I directors shall expire immediately following PubCo&#146;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&#146;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&#146;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</U><U></U><U>&nbsp;2.1</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <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&#146; Representative
that, if elected, will result in the SCG Holders&#146; Representative having a number of Member Directors serving on the Board as shown below: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="87%"></TD>

<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Equity Securities of PubCo Beneficially Owned by the SCG</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Holders Representing the Percentage Voting Power Entitled to Vote in</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>the Election of Directors</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number&nbsp;of</B><br><B>Member</B><br><B>Directors</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">50% or greater</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">40% to less than 50%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">30% to less than 40%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">20% to less than 30%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5% to less than 20%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less than 5%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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 <FONT STYLE="white-space:nowrap">non-Member</FONT> Directors in each class as nearly as possible to the relative apportionment of the Member Directors among the classes as
contemplated in <U>Section</U><U></U><U>&nbsp;2.1(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <U>Decrease in Directors</U>. Upon any decrease in the number of directors
that the SCG Holders&#146; Representative is entitled to designate for nomination to the Board pursuant to&nbsp;<U>Section 2.1(b)</U>, the SCG Holders&#146; Representative shall take all Necessary Action to cause the appropriate number of Member
Directors to offer to tender their resignation at least sixty (60)&nbsp;days prior to the expected date of PubCo&#146;s next annual meeting of stockholders;<I>&nbsp;provided</I><I></I><I>&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&#146;s Equity Securities are listed shall require the prior written consent of the SCG Holders&#146; Representative. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) <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&#146; Representative. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) <U>Committees</U>. In accordance with PubCo&#146;s Organizational Documents, (i)&nbsp;the Board
shall establish and maintain committees of the Board for (x)&nbsp;Audit, (y)&nbsp;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 </P>
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Holders&#146; 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&#146; Representative, and (ii)&nbsp;at any time when PubCo is not Controlled Company Eligible, the SCG Holders&#146; 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&#146; Representative. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) <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 &#147;controlled company&#148; exemptions of any securities exchange on which its Equity Securities are listed, and the SCG Holders&#146;
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&#146; 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&#146; 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. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) <U>Controlled Company Exception</U>. If PubCo is
Controlled Company Eligible and the SCG Holders&#146; Representative so elects in writing that PubCo utilize any applicable &#147;controlled company&#148; exemptions, PubCo shall take all Necessary Action to avail itself of all &#147;controlled
company&#148; 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
<FONT STYLE="white-space:nowrap">Regulation&nbsp;S-K)&nbsp;and</FONT> all disclosure requirements to take such actions. Among other things, except to the extent otherwise agreed in writing by the SCG Holders&#146; 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&#146;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&#146;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 &#147;controlled company&#148; 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. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) <U>Compensation and Reimbursement of Expenses</U>. Except to the extent the SCG Holders&#146; 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 of equity
in PubCo, the Member Directors shall not be subject to such policy. PubCo shall reimburse the directors for all <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">reasonable&nbsp;out-of-pocket&nbsp;expenses</FONT></FONT> incurred in
connection with their attendance at meetings of the Board and any committees thereof, including travel, lodging and meal expenses. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) <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). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j) <U>D&amp;O Insurance</U>. PubCo shall
(i)&nbsp;purchase directors&#146; and officers&#146; 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&#146; and
officers&#146; 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&#146;
and officers&#146; 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.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;2.2 <U>Sharing of Information</U>. 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&#146; Representative may share <FONT STYLE="white-space:nowrap">confidential,&nbsp;non-public&nbsp;information</FONT> about PubCo and its Subsidiaries
(&#147;<U>Confidential Information</U>&#148;) 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. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REGISTRATION RIGHTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.1 <U>Shelf Registration</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <U>Filing</U>. PubCo shall file, within thirty (30)&nbsp;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 &#147;<U>Other Registration Agreement</U>&#148;), a Registration Statement for a Shelf Registration
on <FONT STYLE="white-space:nowrap">Form&nbsp;S-3&nbsp;(the</FONT> &#147;<U>Form</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;S-3</FONT></U><U></U><U>&nbsp;Shelf</U>&#148;), or if PubCo is ineligible to use a
<FONT STYLE="white-space:nowrap">Form&nbsp;S-3&nbsp;Shelf,</FONT> a Registration Statement for a Shelf Registration on <FONT STYLE="white-space:nowrap">Form&nbsp;S-1&nbsp;(the</FONT>
&#147;<U>Form</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;S-1</FONT></U><U></U><U>&nbsp;Shelf</U>,&#148; and together with the <FONT STYLE="white-space:nowrap">Form&nbsp;S-3&nbsp;Shelf</FONT> (and any Subsequent Shelf Registration), the
&#147;<U>Shelf</U>&#148;), 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)&nbsp;the Securities Act and (y)&nbsp;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 &#147;<U>Effectiveness Deadline</U>&#148;); <I>provided, </I>that the Effectiveness Deadline shall be extended to ninety (90)&nbsp;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)&nbsp;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 &#147;reviewed&#148; or will not be subject to further review; <I>provided, further</I><I>,</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 <FONT STYLE="white-space:nowrap">Form&nbsp;S-1&nbsp;Shelf,</FONT> PubCo shall use its reasonable best efforts
to convert the <FONT STYLE="white-space:nowrap">Form&nbsp;S-1&nbsp;Shelf</FONT> (and any Subsequent Shelf Registration) to a <FONT STYLE="white-space:nowrap">Form&nbsp;S-3&nbsp;Shelf</FONT> as soon as practicable after PubCo is eligible to use <FONT
STYLE="white-space:nowrap">Form&nbsp;S-3.</FONT> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <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 &#147;<U>Subsequent Shelf Registration</U>&#148;) 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 <FONT STYLE="white-space:nowrap">Form&nbsp;S-3&nbsp;to</FONT> 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 to be covered by either, at PubCo&#146;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>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <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 <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">majority-in-interest</FONT></FONT> 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 &#147;<U>Demanding Holders</U>&#148;) to sell all or any portion of their Registrable Securities in an underwritten offering that is registered pursuant to
the Shelf (each, an &#147;<U>Underwritten Shelf Takedown</U>&#148;);<I>&nbsp;provided</I><I></I><I>&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 &#147;<U>Minimum Takedown Threshold</U>&#148;) 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;<I>&nbsp;provided</I><I></I><I>&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;<I>&nbsp;provided</I><I></I><I>&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 <FONT
STYLE="white-space:nowrap">the&nbsp;Lock-Up&nbsp;Period</FONT> 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</U><U></U><U>&nbsp;3.1(c)</U> if PubCo has
already effected an Underwritten Shelf Takedown in the preceding six (6)&nbsp;month period; <I>provided, further</I>, under no circumstances shall PubCo be obligated to effect more than an aggregate of three (3)&nbsp;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&nbsp;3.1 of
this Investor Rights Agreement.. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) <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 &#147;<U>Maximum Number of
Securities</U>&#148;), then PubCo shall include in such Underwritten Offering, as follows: at all times (i)&nbsp;first, </P>
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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> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) <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 &#147;<U>Withdrawal Notice</U>&#148;) to PubCo and the
Underwriter or Underwriters (if any) of such Demanding Holder&#146;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>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) <U>Long-Form Demands</U>. Upon the expiration of <FONT STYLE="white-space:nowrap">the&nbsp;Lock-Up&nbsp;Period</FONT> 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 <FONT
STYLE="white-space:nowrap">Form&nbsp;S-1&nbsp;for</FONT> the purpose of conducting an Underwritten Offering of any or all of such Holder&#146;s Registrable Securities (each, a &#147;<U>Demand Registration</U>&#148;). PubCo shall, within ten
(10)&nbsp;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&#146;s Registrable Securities in such Demand Registration (each such Holder that includes all or a portion of such Holder&#146;s Registrable Securities in such Registration, a &#147;<U>Requesting Demand Holder</U>&#148;) shall so notify
PubCo, in writing, within five (5)&nbsp;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</U><U></U><U>&nbsp;3.1(f)</U>. Under no circumstances shall PubCo be obligated to effect more than an aggregate of three (3)&nbsp;Registrations pursuant
to a Demand Registration under this <U>Section</U><U></U><U>&nbsp;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 <FONT
STYLE="white-space:nowrap">S-1</FONT> 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</U><U></U><U>&nbsp;3.1</U> of this Investor Rights Agreement. PubCo shall file such Registration Statement within thirty (30)&nbsp;days of receipt of such demand and use its reasonable best efforts to cause the same to be
declared effective within sixty (60)&nbsp;days of filing; <I>provided, that</I> such deadline shall be </P>
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extended to ninety (90)&nbsp;calendar days after the date of filing if the Registration Statement on Form <FONT STYLE="white-space:nowrap">S-1</FONT> is reviewed by, and comments thereto are
provided from, the SEC; <I>provided, further</I> PubCo shall have the Form <FONT STYLE="white-space:nowrap">S-1</FONT> declared effective within five (5)&nbsp;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 &#147;reviewed&#148; 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;<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>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.2 <U>Piggyback Registration</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) <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&#146;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)&nbsp;days before the anticipated filing date of such Registration Statement, which notice shall (A)&nbsp;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)&nbsp;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)&nbsp;days after receipt of such written notice (such registered offering, a &#147;<U>Piggyback Registration</U>&#148;);&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&#146;s Registrable Securities in a Piggyback Registration shall be subject to such Holder&#146;s agreement to abide by the terms of&nbsp;<U>Section 3.6</U>&nbsp;below. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) <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: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i) If the Registration is initiated and undertaken for PubCo&#146;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 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii) 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) <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&#146;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 &#147;red herring&#148; 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 incurred in connection with the Piggyback Registration prior to its withdrawal under this&nbsp;<U>Section 3.2(c)</U>. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) 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 <FONT STYLE="white-space:nowrap">the&nbsp;Lock-Up&nbsp;Period</FONT> 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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.3
<U>Restriction on Transfer</U>. 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&nbsp;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)&nbsp;Business Days prior (to the extent notice of such Underwritten Offering has been provided) to and the <FONT STYLE="white-space:nowrap">90-day</FONT> 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 <FONT STYLE="white-space:nowrap">customary&nbsp;lock-up&nbsp;agreement</FONT> 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&nbsp;A Common Units), each other Holder that is participating in
the Underwritten Offering, and each of PubCo&#146;s directors and executive officers have executed <FONT STYLE="white-space:nowrap">a&nbsp;lock-up&nbsp;on</FONT> terms at least as restrictive with respect to such Underwritten Offering as requested
of the Holders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.4 <U>General Procedures</U>. 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&#146;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: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) 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; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) 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; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) at least three (3)&nbsp;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&#146; 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 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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) 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 &#147;blue sky&#148; 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;<I>&nbsp;provided,</I><I></I><I>&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; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) 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; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f) 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; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g) 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; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h) 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; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) 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>; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j) 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&#146;s own expense except to the extent such expenses constitute Registration Expenses, in the preparation of the
Registration Statement, and cause PubCo&#146;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; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(k) obtain a &#147;cold comfort&#148; letter, and a bring-down thereof, from PubCo&#146;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 &#147;cold comfort&#148; letters as the
managing Underwriter may reasonably request, and reasonably satisfactory to <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">a&nbsp;majority-in-interest&nbsp;of</FONT></FONT> the participating Holders; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(l) 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,; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(m) 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; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(n) make available to its security holders, as soon as reasonably practicable, an
earnings statement covering the period of at least twelve (12)&nbsp;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); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(o) 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 &#147;road show&#148; presentations that may be reasonably requested by the Underwriter in such Underwritten Offering; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(p) 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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.5 <U>Registration Expenses</U>. 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 &#147;<U>Registration Expenses</U>&#148;)), such as
Underwriters&#146; 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.6 <U>Requirements for Participating in Underwritten Offerings</U>. 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&#146;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)&nbsp;the fifth (5<SUP STYLE="font-size:85%; vertical-align:top">th</SUP>) Business Day following the date on which
documents or other information are requested from such Holder and (ii)&nbsp;the second (2<SUP STYLE="font-size:85%; vertical-align:top">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&#146;s </P>
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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,
<FONT STYLE="white-space:nowrap">indemnities,&nbsp;lock-up&nbsp;agreements,</FONT> 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;<U>Section 3.1(c)</U>&nbsp;and&nbsp;<U>3.4(o)</U>, the exclusion of a Holder&#146;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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION 3.7 <U>Suspension of Sales; Adverse Disclosure</U>. 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&#146;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)&nbsp;days in <FONT STYLE="white-space:nowrap">any&nbsp;12-month&nbsp;period,</FONT> 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>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.8 <U>Reporting Obligations</U>. 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;<I>&nbsp;provided</I><I></I><I>&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>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.9 <U>Other Obligations</U>. 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
&#147;road shows&#148; 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. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.10 <U>Indemnification and Contribution</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) 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&#146; 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 <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses actually and reasonably incurred in connection with investigating or defending any such claim, loss, damage, liability or action;<I>&nbsp;provided</I><I></I><I>&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. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) 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 &#147;<U>Holder Information</U>&#148;) 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&#146; 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;<I>&nbsp;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. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) Any Person entitled to indemnification under this <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&#146;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
</P>
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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&#146;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="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) 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. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e) If the indemnification provided in this <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&#146;s and indemnified party&#146;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 <U>Section 3.10(e)</U> 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 <U>Sections&nbsp;3.10(a)</U>,
<U>3.10(b)</U> and <U>3.10(c)</U>, any <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> 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 <U>Section 3.1(e)</U> 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 <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 <U>Section
3.1(e)</U> from any Person who was not guilty of such fraudulent misrepresentation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.11 <U>Other Registration Rights</U>.
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. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.12 <U>Rule</U><U></U><U>&nbsp;144</U>. 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 <FONT STYLE="white-space:nowrap">for&nbsp;non-compliance</FONT> to the extent such
information does not constitute disclosure of <FONT STYLE="white-space:nowrap">material&nbsp;non-public&nbsp;information.</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.13 <U>Term</U>.&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 <U>Section 3.10</U> shall survive any such termination with respect to such Holder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION<U></U>&nbsp;3.14 <U>Holder Information</U>. 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 <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 &#147;Holder&#148; until such Party gives PubCo a representation in writing of the number of Registrable Securities it
holds. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.15 <U>Termination of Original RRA</U>. 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.16 <U>Distributions; Direct Ownership</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) 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. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) 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. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) 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. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) Notwithstanding the foregoing, no distribution for purposes of this <U>Section 3.16</U> may occur prior to the conclusion of <FONT
STYLE="white-space:nowrap">any&nbsp;Lock-Up&nbsp;Period</FONT> applicable to the Sponsor or such Member, as applicable. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.17 <U>Adjustments</U>. 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. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT
STYLE="white-space:nowrap">LOCK-UP</FONT> </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;4.1 <U><FONT STYLE="white-space:nowrap">Lock-Up</FONT></U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) 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 <FONT STYLE="white-space:nowrap">any&nbsp;Lock-Up&nbsp;Shares</FONT> (as defined below) Beneficially Owned or otherwise held by such Person during
<FONT STYLE="white-space:nowrap">the&nbsp;Lock-Up&nbsp;Period</FONT> (as defined below) applicable to such Person;&nbsp;provided, that such prohibition shall not apply to Transfers (i)&nbsp;permitted pursuant to <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 <FONT STYLE="white-space:nowrap">Member&nbsp;Lock-Up&nbsp;Period</FONT> (as defined below), (v)&nbsp;pursuant to the exchange of Class&nbsp;A Common Units for Class&nbsp;A Common Stock and of
Class&nbsp;V Voting Stock for Class&nbsp;A Common Units in accordance with the terms and conditions of the Company A&amp;R LLCA, (vi)&nbsp;by Joseph Moglia following the Moglia <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period (as defined
below), or (vii)&nbsp;by any Founder Holder other than Joseph Moglia following the Founder <FONT STYLE="white-space:nowrap">Holder&nbsp;Lock-Up&nbsp;Period</FONT> (as defined below). The
&#147;<U>Member</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;Lock-Up</FONT></U><U></U><U>&nbsp;Period</U>&#148; shall be the period commencing on the Closing Date and continuing until the date that is nine (9)&nbsp;months after the Closing
Date;&nbsp;provided&nbsp;that, the <FONT STYLE="white-space:nowrap">Member&nbsp;Lock-Up&nbsp;Period</FONT> 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; provided, further, that, with respect to any Initial Shares, the <FONT STYLE="white-space:nowrap">Member&nbsp;Lock-Up&nbsp;Period</FONT> shall be the period commencing on
the Closing Date and continuing until the date on which the Shelf becomes effective under the Securities Act. The &#147;<U>Moglia</U><U> <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period</U>&#148; shall be the period commencing on the Closing
Date and continuing until the date that is twenty-four (24)&nbsp;months after the Closing Date. The &#147;<U>Founder Holder</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;Lock-Up</FONT></U><U></U><U>&nbsp;Period</U>&#148; shall be (i)&nbsp;(x)
with respect to 50% of the shares of Class&nbsp;A Common Stock issued in connection with the Class&nbsp;B Common Stock Conversion, the earlier of (A)&nbsp;one year after the Closing Date and (B)&nbsp;the date on which the closing price of the
Class&nbsp;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 <FONT STYLE="white-space:nowrap">30-trading</FONT> day period
commencing after the Closing Date, and (y)&nbsp;with respect to the remaining 50% of the shares of Class&nbsp;A Common Stock issued in connection with the Class&nbsp;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&#146;s stockholders having the right to exchange their shares of Class&nbsp;A
Common Stock for cash, securities or other property, and (ii)&nbsp;with respect to any (x)&nbsp;Private Placement Units (or any securities underlying the Private Placement Units, including the shares of Class&nbsp;A Common Stock and the Warrants
included in the Private Placement Units and the shares of Class&nbsp;A Common Stock issued or issuable upon exercise of such Warrants) held by them or (y) any Warrants (or any shares of Class&nbsp;A Common Stock issued or issuable upon the exercise
of the Warrants) held by them, until 30 days after the Closing Date. &#147;<U><FONT STYLE="white-space:nowrap">Lock-Up</FONT></U><U></U><U>&nbsp;Period</U>&#148; means with respect to the Members (including any Person who succeeds to such
Member&#146;s rights under this Investor Rights Agreement pursuant to <U>Section 5.1</U>), the Member <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period, with respect to Joseph Moglia (including any Person who succeeds to his rights under this
Investor Rights Agreement pursuant to <U>Section 5.1</U>), the Moglia <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period, and with respect to the Founder Holders other than Joseph Moglia (including any Person who succeeds to such Founder
Holder&#146;s rights under this Investor Rights Agreement pursuant to <U>Section 5.1</U>), the Founder Holder Lock-Up Period. &#147;<U><FONT STYLE="white-space:nowrap">Lock-Up</FONT></U><U></U><U> Shares</U>&#148; means&nbsp;the Equity Securities in
PubCo and the Operating Company held by the Holders, </P>
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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&nbsp;A 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.&nbsp;Moglia and any Equity Securities which are distributed or distributable by the Sponsor to Mr.&nbsp;Moglia. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) During <FONT
STYLE="white-space:nowrap">the&nbsp;Lock-Up&nbsp;Period,</FONT> any purported Transfer <FONT STYLE="white-space:nowrap">of&nbsp;Lock-Up&nbsp;Shares</FONT> 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. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) 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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;4.2 <U>Permitted Transfers</U>. Notwithstanding anything to the contrary
contained in this Investor Rights Agreement, during <FONT STYLE="white-space:nowrap">the&nbsp;Lock-Up&nbsp;Period</FONT> applicable to such Person, the Holders may Transfer, without the consent of PubCo, any of such
<FONT STYLE="white-space:nowrap">Person&#146;s&nbsp;Lock-Up&nbsp;Shares</FONT> to (i)&nbsp;any of such Person&#146;s Permitted Transferees (other than pursuant to clause (e)&nbsp;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&#146; 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&#146; 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&#146;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 <FONT STYLE="white-space:nowrap">such&nbsp;Lock-Up&nbsp;Shares</FONT> 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
<U>Section 4.1</U> and this <U>Section 4.2</U> will continue to apply to <FONT STYLE="white-space:nowrap">such&nbsp;Lock-Up&nbsp;Shares</FONT> after any Transfer of <FONT STYLE="white-space:nowrap">such&nbsp;Lock-Up&nbsp;Shares,</FONT> and
(y)&nbsp;the Transferee of <FONT STYLE="white-space:nowrap">such&nbsp;Lock-Up&nbsp;Shares</FONT> 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 <FONT STYLE="white-space:nowrap">of&nbsp;Lock-Up&nbsp;Shares</FONT> 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;4.3 <U>Other</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;Lock-Up</FONT></U><U></U><U>&nbsp;Restrictions</U>. Each of
PubCo and the Founder Holders hereby acknowledge and agree that this<U>&nbsp;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. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GENERAL PROVISIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.1 <U>Assignment; Successors and Assigns; No Third-Party Beneficiaries</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) Except as otherwise permitted pursuant to this Investor Rights Agreement, and other than assignments in connection with a distribution
pursuant to <U>Section 3.16</U>, no Party may assign such Party&#146;s rights and obligations under this Investor Rights Agreement, in whole or in part, without the prior written consent of the Members&#146; 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<U> Article V</U>. Any attempted assignment of rights or obligations in
violation of this<U> Article V</U> shall be null and void. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding anything to the contrary contained in this Investor Rights
Agreement (other than the succeeding sentence of this <U>Section 5.1(b)</U>), (i) prior to the expiration of the <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period applicable to such Holder, no Holder may Transfer such Holder&#146;s rights or
obligations under this Investor Rights Agreement in connection with a Transfer of such Holder&#146;s Registrable Securities, in whole or in part, except in connection with a Transfer pursuant to <U>Section 4.2</U>; and (ii)&nbsp;after the expiration
of the <FONT STYLE="white-space:nowrap">Lock-Up</FONT> Period applicable to such Holder, a Holder may Transfer such Holder&#146;s rights or obligations under this Investor Rights Agreement in connection with a Transfer of such Holder&#146;s
Registrable Securities, in whole or in part, to (x)&nbsp;any of such Holder&#146;s Permitted Transferees, or (y)&nbsp;any Person with the prior written consent of PubCo. In no event can the SCG Holders&#146; Representative assign any of such
Person&#146;s rights under <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 <U>Section 5.1(b)</U> 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<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&#146;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 &#147;group&#148; (as defined in Section&nbsp;13(d)(3) of the Exchange Act)
between the SCG Holders and any other Party to this Investor Rights Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) 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. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)
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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.2 <U>Termination</U>. Except for
<U>Section&nbsp;2.1(j)</U>, <U>Section 2.1</U> shall terminate automatically (without any action by any Party) as to the SCG Holders at such time at which the SCG Holders&#146; Representative no longer has the right to designate an individual for
nomination to the Board under this Investor Rights Agreement.<U> Article III</U> of this Investor Rights Agreement shall terminate as </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

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set forth in <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; provided that, the provisions of <U>Section 3.10</U> shall survive any such termination with respect to such Holder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.3 <U>Severability</U>. 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.4 <U>Entire Agreement; Amendments; No Waiver</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) 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. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) 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)&nbsp;for so long as the Members and their Permitted Transferees collectively Beneficially Own five percent (5%) or more of the voting power of the stock of PubCo held by the Members immediately after the Closing, the
Members&#146; 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;<I> provided</I><I></I><I>
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;<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&#146;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</U><U></U><U>&nbsp;5.4(b)</U>, <U>Section</U><U></U><U>&nbsp;2.1</U> may be amended or modified in whole or in part solely with the express written consent of (i)&nbsp;PubCo and (ii)&nbsp;the SCG Holders&#146;
Representative. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c) 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<U> Article IV</U> shall be effective unless in writing and signed by each of (i)&nbsp;PubCo, (ii)&nbsp;for so long as the Members and their Permitted Transferees collectively
Beneficially Own fifteen percent (15%) or more of the voting power of the stock of PubCo held by the Members immediately after the Closing, the Members&#146; 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 clauses&nbsp;(i) through (iv), the Party to be bound. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d) Notwithstanding the foregoing provisions of this <U>Section 5.4</U>, other than with respect to amendments, modifications, waivers or
consents relating to or airing out of<U> Article IV</U>, no </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

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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 <U>Section 5.2</U>,
terminated as to the Sponsor, and the Founder Holders or (ii)&nbsp;the Members&#146; Representative or a particular Member or its Permitted Transferees, with respect to any provision that has, in accordance with <U>Section 5.2</U>, terminated as to
such Member or all of the Members. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.5 <U>Counterparts; Electronic Delivery</U>. 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. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.6
<U>Notices</U>. 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)&nbsp;Business Day
following sending by reputable overnight express courier (charges prepaid), or (c)&nbsp;three (3)&nbsp;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 <U>Section 5.6</U>, notices, demands and other communications shall be sent to the addresses indicated below: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">if to PubCo, to: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">OppFi, Inc.
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">130 E. Randolph Street, Suite 3300 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Chicago, IL 60601 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention:
Jared Kaplan </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">with a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">DLA Piper LLP (US) </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">200 S.
Biscayne Boulevard, Suite 2500 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Miami, FL 33131 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Joshua M. Samek, Esq. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: joshua.samek@dlapiper.com </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">if to the Members, to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Opportunity Financial, LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">130
E. Randolph Street, Suite 3300 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Chicago, IL 60601 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Jared Kaplan </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">with a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">DLA Piper LLP (US) </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">200 S.
Biscayne Boulevard, Suite 2500 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Miami, FL 33131 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Joshua M. Samek, Esq. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: joshua.samek@dlapiper.com </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Schwartz Capital Group </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">One North Wacker Drive </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Suite
3605 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Chicago, IL 60606 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Todd Schwartz and David Vennettilli </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">with a
copy (which shall not constitute notice) to: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Skadden, Arps, Slate, Meagher&nbsp;&amp; Flom LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">525 University Avenue, Suite 1400 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Palo Alto, CA 94301 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention:
Thomas J. Ivey, Esq. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: thomas.ivey@skadden.com </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">if to the Sponsor: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">FG New
America Acquisition Corp. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">105 S. Maple Street </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Itasca, IL 60143 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention:
Larry G Swets, Jr. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">with a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">White&nbsp;&amp; Case LLP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">1221
Avenue of the Americas </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">New York, NY 10020 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Gary Silverman, Elliott Smith </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: gary.silverman@whitecase.com, elliott.smith@whitecase.com </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">if to the Underwriter Holders: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">ThinkEquity, a division of Fordham Financial Management, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">17 State Street, 22nd&nbsp;Floor </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">New York, New York 10004 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Mr.&nbsp;Eric Lord, Head of Investment Banking </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">E-mail:</FONT></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Piper Sandler&nbsp;&amp; Co. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">345 Park Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Suite 1200
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">New York, NY 10154 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attn:
Mr.&nbsp;James Baker, Global Head of Investment Banking </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">with a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Loeb&nbsp;&amp; Loeb LLP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">345
Park Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">New York, New York 10154 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attn: Mitchell S. Nussbaum </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Facsimile: (212) <FONT STYLE="white-space:nowrap">407-4990</FONT> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">if to the Members&#146;
Representative: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Schwartz Capital Group </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">One North Wacker Drive </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Suite
3605 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Chicago, IL 60606 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Todd Schwartz and David Vennettilli </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">with a copy (which shall
not constitute notice) to: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Skadden, Arps, Slate, Meagher&nbsp;&amp; Flom LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">525 University Avenue, Suite 1400 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Palo Alto, CA 94301 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention:
Thomas J. Ivey, Esq. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: thomas.ivey@skadden.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.7 <U>Governing Law; Waiver of Jury Trial; Jurisdiction</U>. 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 <FONT STYLE="white-space:nowrap">non-contractual</FONT> 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&#146;S LEGAL COUNSEL, AND
THAT EACH KNOWINGLY AND VOLUNTARILY WAIVES SUCH PARTY&#146;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 <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. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.8 <U>Specific Performance</U>. 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, 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.9 <U>Subsequent Acquisition of Shares</U>. 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 &#147;<U>Registrable Securities</U>&#148; as such term
is used in this Investor Rights Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.10 <U>Legends</U>. 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. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.11 <U>No Third-Party Liabilities</U>. 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). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Pages Follow] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><U>PUBCO:</U></B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>OPPFI, INC.</B></P></TD></TR></TABLE></DIV>
<DIV ALIGN="right">
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<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Larry G. Swets, Jr.</P></TD></TR></TABLE></DIV>
<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name: Larry G. Swets, Jr.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title: Chief Executive
Officer</P></TD></TR></TABLE></DIV> <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B><U>SPONSOR:</U></B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>FG NEW AMERICA INVESTORS
LLC.</B></P></TD></TR></TABLE></DIV> <DIV ALIGN="right">
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<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Larry G. Swets, Jr.</P></TD></TR></TABLE></DIV>
<DIV ALIGN="right">
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<TR>

<TD WIDTH="100%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name: Larry G. Swets, Jr.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title: Chief Executive Officer</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Investor Rights Agreement]</I> </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="99%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><B><U>MEMBERS&#146; REPRESENTATIVE:</U></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Todd Schwartz</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Todd Schwartz</P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Investor Rights Agreement]</I> </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Exhibit A </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>FORM OF JOINDER </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Joinder (this &#147;<U>Joinder</U>&#148;) to the Investor Rights Agreement and the Amended Letter, made as
of<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, is
between<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>(&#147;<U>Transferor</U>&#148;)
and<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>(&#147;<U>Transferee</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, as of the date hereof, Transferee is acquiring Registrable Securities (the &#147;<U>Acquired Interests</U>&#148;) from
Transferor; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, Transferor is a party to that certain Investor Rights Agreement, dated as of July&nbsp;20, 2021, among OppFi,
Inc. (&#147;<U>PubCo</U>&#148;) and the other persons party thereto (the &#147;<U>Investor Rights Agreement</U>&#148;) and that certain Amended Sponsor Letter, dated as of July&nbsp;20, 2021 (the &#147;<U>Amended Letter</U>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Acquisition</U>. The Transferor hereby Transfers to the Transferee all of the Acquired Interests. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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 <U>Section&nbsp;5.6</U> of the Investor Rights Agreement or Section&nbsp;4 of the Amended Letter, as applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Third Party Beneficiary</U>. Pubco is an express third party beneficiary of this Joinder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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 &#147;execution,&#148; &#147;signed,&#148; &#147;signature,&#148; &#147;delivery,&#148; 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 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Exhibit A to Investor
Rights Agreement]</I> </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
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="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page Follows] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Exhibit A to Investor
Rights Agreement]</I> </P>

</DIV></Center>


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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><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-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><U><B>TRANSFEROR</B></U>:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>By</B>:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Name</B>:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Title</B>:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><U><B>TRANSFEREE</B></U>:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>By</B>:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Name</B>:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Title</B>:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Address for notices:</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Exhibit A to Investor Rights Agreement]</I> </P>

</DIV></Center>

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