AMENDED AND RESTATED PREPAID CARD PROGRAM SERVICES AGREEMENT

General. Notable shall manage, service, administer and provide Servicing Activities on the Prepaid Cards on behalf of Better and perform other obligations hereunder in accordance with the Servicing Standard (as defined below). Notable shall have full power and authority, acting alone and/or through contractors or agents (including Marqeta and/or Notable’s Affiliates or Subservicers), to do any and all things which it may deem reasonably necessary or desirable in connection with such servicing, administration and collecting and which are consistent with the terms of this Agreement.

Servicing Standard. Notable, as an independent contractor, shall service and administer each Prepaid Card with reasonable care using that degree of skill and attention that is (i) deemed commercially reasonable in the reloadable Prepaid Card account servicing industry, (ii) in accordance with all Applicable Laws, and (iii) in all material respects in accordance with the terms of this Agreement (the “Servicing Standard”). Notable shall have no obligation to engage in any particular servicing action if doing so would or would be reasonably likely to violate Applicable Law, lead to a material regulatory investigation or subject Notable to material reputational risk, civil or criminal liability, regardless of whether Notable may be entitled to indemnification for such liability.

Instruments. Notable may take such actions as are necessary or reasonably advisable to discharge its duties as servicer in accordance with this Agreement, including executing and delivering on behalf of Better such instruments and documents as may be customary, necessary or desirable in connection with the performance of Notable’s duties under this Agreement (including consents, waivers and discharges relating to the Prepaid Card).

Records. Notable shall establish and maintain separate records covering the Cardholder Transactions, Disbursement Authorizations, and Loading Transactions contemplated by this Agreement including the identity and status of each Prepaid Cardholder Account. Ownership of such records shall vest in Better, and such records shall be retained and maintained by Notable in a custodial capacity only, subject to Notable’s right to retain copies or electronic files in respect of such records for its own internal review, compliance and regulatory or audit purposes or for purposes of determining its rights and obligations under this Agreement. Notable shall clearly identify the Prepaid Cardholder Accounts (and related funds) in its servicing records to reflect Better’s ownership of each such Account.

Reporting. Notable shall deliver or otherwise make available to Better the Monthly Report on or before the last day of every calendar month. Notable shall take commercially reasonable steps to ensure that the information related to the Prepaid Card Cardholder Accounts provided by Notable that is utilized in the Monthly Report is true and correct in all material respects.

Compliance With Applicable Law. Notable will comply with Applicable Law.

Consumer Fees. Notable shall not charge or assess Cardholders with any fees for any services rendered pursuant to this Agreement.

Loading, Reloading, and Servicing Obligations. Notable agrees that it will: (a) be responsible for its own compliance with all laws relating to the administration, processing, servicing and handling of Cardholders and Prepaid Cards; (b) use commercially reasonable efforts to maintain its relationship with Marqeta, who maintains its own relationship with the Issuing Bank and the Payment Networks to ensure the Program’s continued operation; and (c) take all appropriate actions to ensure that each legitimate and verified Cardholder who receives a Prepaid Card from Better receives credit for the amounts authorized for use through the Prepaid Card and shall have the right to utilize those amounts subject to the terms and conditions of the Prepaid Card Program.

Lost and Stolen Prepaid Cards; Fraud Recovery. Notable, working with Marqeta, shall take all appropriate actions to deactivate any lost or stolen Prepaid Cards. Notable and Marqeta shall also take all appropriate actions to respond to consumer complaints or reports of fraud in connection with the use of the Prepaid Card. In the event that Better discovers that a Prepaid Card was loaded or reloaded in a fraudulent manner due to consumer or employee fraud, Better shall notify Notable about such fraudulent transaction and Notable will use commercially reasonable efforts to attempt to deactivate the affected Prepaid Card, recover funds loaded to such Prepaid Card and refund such recovered funds to Better. Notable will make commercially reasonable efforts to provide fraud reports and related information in a timely manner, including if feasible, as part of the Monthly Reports.

Records and Inspection. Notable shall keep accurate records of Cardholder Transactions, Program Funding Transactions, and Loading Transactions relating to the Prepaid Cardholder Accounts. Upon the request of Better, Notable shall verify any records maintained by it in connection with the sale, load, or reload of Prepaid Cards and shall permit Better and its duly authorized representatives or agents to examine and inspect Notable’s records during said Notable’s normal business hours.

Review of Servicing Materials. Upon request by Better, Notable shall submit to Better for Better’s review and approval, all written correspondence templates, Cardholder service scripts, advertisements, packaging and other materials relating to the Prepaid Cards or the Programs, Cardholder servicing, statementing or handling of Prepaid Cardholder Accounts (including Cardholder Agreements and privacy policies), and any other materials (printed or otherwise) that will be sent to, used to communicate with or market to prospective, current or former Cardholders or Better Customers (referred to herein as “Servicing Materials”). Better may also review and provide input regarding any of Notable’s policies or procedures relating to the Prepaid Cards or the Programs, Cardholder servicing, statementing or handling of Prepaid Card Cardholder Accounts (including Cardholder Agreements and privacy policies), and Servicing Materials. Upon approval of the Servicing Materials by Better, any material changes to such Servicing Materials shall require the written approval of Better before such changed version is used in performing services pursuant to this Agreement. Notable shall not use any Servicing Materials in providing the Services until such approval is given by Better.

Policies, Procedures and Training. Notable shall adopt and maintain policies, procedures and training programs for its personnel and those of its permitted Subservicers who perform any customer-interfacing related Services that is acceptable to Better (provided such acceptance is not unreasonably withheld). Upon Better’s request, Notable shall provide the training materials used for such training to Better for review.

Service Continuity. Notable shall maintain commercially reasonable policies, procedures and controls designed to safeguard against interruptions in services pursuant to this Agreement due to events outside Notable’s control, including, without limitation, internal audits necessary to monitor the proper functioning of Notable system and policies and procedures to prevent the introduction of viruses or disabling code into Notable’s system.

Correction of Material Defects. Notable will take commercially reasonable actions, at no charge or other cost to Better, and at Better’s request, to (i) correct any material defects identified by Better or Notable in Notable’s processes which materially impact the services or its obligations under this Agreement; and (ii) correct any performance or processing errors of Notable by performing the service or regenerating or re-running data as needed.

Notification of Complaints. Notable shall promptly notify Better (i) no later than three (3) business days after receiving any oral or written complaints or notices of investigation from any government entity or the Better Business Bureau with respect to a Program or any written complaints from Cardholders or other Persons with respect to any Program, (ii) no later than three (3) business days after becoming aware of any material litigation involving Notable that is likely to have a material adverse effect on a Program or Notable’s ability to perform the services under the Agreement or any litigation alleging that Notable has violated any Applicable Law, in each case, if any such complaint, investigation or litigation (a) relates to Better, any Cardholder, (b) would reasonably be expected to reflect negatively on Better, or (c) could materially affect Notable’s ability to perform any of the services or its obligations under this Agreement. Each Party shall notify the other party no later than three (3) business days after becoming aware of any government, regulatory, or media investigation into a Program.

Subservicers. Notable may perform any of its duties pursuant to this Agreement, including those delegated to it pursuant to this Agreement, through subservicers, contractors or agents appointed by Notable, including its Affiliates. Notwithstanding any such delegation of a duty, Notable shall (i) select any such Person with reasonable care and be solely responsible for the fees and expenses payable to such Person and (ii) remain obligated and liable for the performance of such duty as if Notable were performing such duty.

Better shall provide Notable with sufficient information, and authorizes Notable to share sufficient information with Marqeta and/or the Issuing Bank, to enable Notable to coordinate the issuance of Prepaid Cards by the Issuing Bank with one or more of the features as set forth in the Cardholder Agreement. Notable acknowledges that the Cardholder Agreement is between Cardholder and Better, and is subject to change and modification at any time with a notice to Cardholder as permitted by the Cardholder Agreement or otherwise permitted by law.

Notable, the Issuing Bank, and/or Marqeta will only issue Prepaid Cards to Better customers who Better has identified as qualifying for a Prepaid Card under Better’s Program guidelines, which are subject to change at the discretion of Better.

Notable acknowledges and agrees that issuance of Prepaid Cards to Cardholders is at Better’s discretion and is subject to industry and regulatory standards, and that Cardholders who may not satisfy initial or ongoing validation criteria may be denied a Prepaid Card or may have an issued Prepaid Card cancelled.

Better will provide all Program Funds. Better shall deposit such funds directly into the Intermediate Program Funding Account. Notable shall then transfer the funds from the Intermediate Program Funding Account into the Main Program Funding Account. For the avoidance of doubt, Notable shall be the owner of the Intermediate Program Funding Account and the Main Program Funding Account, subject to only the permissible uses Better has authorized under this Agreement.

Better will maintain a minimum reserve balance of Program Funds in an amount that is the greater of: [***]. Notable will use Program Funds solely (i) to fund Loading Transactions in accordance with the terms of a Program, or (ii) as otherwise agreed to by the Parties in writing. Upon written notice from Better, and agreement by Notable (which will not be unreasonably withheld), (i) the Parties will adjust the Minimum Funding Balance and (ii) Notable will refund the Minimum Funding Balance in the event of a Program suspension or discontinuation.

The Monthly Report shall include, if needed, a request for additional funds in a specific amount (“Additional Program Funds”), for the Programs. Such Program Funds requested shall be calculated by Notable based upon past Loading Transactions, anticipated new Loading Transaction volume for the next month and the current Minimum Funding Balance. Within [***] of receipt of a request for Additional Program Funds, Better will provide such funds. Notable may conduct new Loading Transactions only if the Program Funds exceed the Minimum Funding Balance. Notable also may request Additional Program Funds at any time in the event Notable determines that, due to Loading Transaction volume, it will be unable, before the date of the next Monthly Report, to meet an obligation to Cardholders to fund a Loading Transactions; such requests shall be accompanied by an updated cash roll-forward report that verifies the need for funds, and such requests shall not be unreasonably denied by Better.

To the extent permitted by Applicable Law, correction of funding errors made by Notable to a Prepaid Card and all adjustments to deposits shall be made by Notable pursuant to the Cardholder Agreement and Applicable Law. In the event funding errors cannot be corrected, notice must be provided to Better for further direction.

Notable will be responsible for compliance with Applicable Law and the Cardholder Agreement relating to the processing and servicing of the Prepaid Cards.

Notable shall maintain records of Cardholder Transactions and Loading Transactions and service the Cardholder Account.

For any funds remaining in a Cardholder’s Cardholder Account upon the Prepaid Card Termination Date or the disclosed redemption period for such Prepaid Cards, Notable will ensure that Marqeta transfers the funds from the Cardholder Accounts back to the Main Program Funding Accounts (or any other account designated by Notable for such refunds) to the extent such amounts are not otherwise required to be escheated under state unclaimed property laws. The refunded amounts shall be added back to the Program Funds and used for future Loading Transactions. Refunded transactions shall be included in Notable’s Monthly Report to Better.

For any funds remaining in the Intermediate Program Funding Account or the Main Program Funding Account upon the termination of this Agreement or all Programs using Program Funds, Notable shall process such funds to revert to Better, to the extent such amounts are not otherwise required to be escheated under state unclaimed property laws or are otherwise used to offset liabilities of Better.

Servicing Fees. Better agrees to pay Notable fair market value for services rendered in connection with its Services, including conducting the Servicing Activities under the Agreement and providing consulting services related to the Program (“Servicing Fees”), as determined by independent third party metrics and input, including that of a third party valuation firm engaged to value the services provided by Notable to Better pursuant to this Agreement and the Program. Better shall also reimburse Notable for any expenses reasonably incurred in carrying out the Servicing Activities. The Servicing Fees and reimbursement of expenses described above shall be Notable’s sole right to compensation under this Agreement.

Terms of Payment. Better shall pay Notable any amounts due Notable within [***] following receipt of Notable’s invoice therefor.

Taxes. Better shall not be responsible for reimbursing Notable for any taxes based on Notable’s income or corporate franchise.

Organization and Good Standing, Etc.

It is duly organized and validly existing and in good standing under the laws of its jurisdiction of incorporation or organization.

It has the requisite corporate power and authority to enter into this Agreement and to carry out the transactions and perform the obligations contemplated by this Agreement.

The execution, delivery and performance of this Agreement and the consummation of the transactions contemplated by this Agreement have been duly authorized by the requisite corporate action and will not constitute a violation of any judgment, order or decree.

Licenses. Each Party has obtained and will maintain all necessary licenses, approvals or authorizations in each jurisdiction required in connection with its performance under this Agreement.

No Violation. None of the execution and delivery by it of this Agreement, nor the consummation of the transactions contemplated hereby or thereby, nor the fulfillment of or compliance with the terms and conditions hereof or thereof, will conflict with or result in a material breach of any of the

Validity and Binding Nature. This Agreement has been duly executed and delivered and constitutes a valid and legally binding obligation that is enforceable in accordance with its terms, except that the enforceability thereof may be subject to (i) the effects of any applicable bankruptcy, insolvency, reorganization, receivership, conservatorship or other laws, regulations and administrative orders affecting the rights of creditors generally and (ii) general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or law).

Government Approvals. No action, consent, license or approval of, registration or filing with, or any other action by any Governmental Authority is or will be required in connection with execution, delivery and performance of, or compliance with, this Agreement including the servicing of each Prepaid Card Account hereunder, except such as have been made or obtained and are in full force and effect, or where failure to do so would not reasonably be expected to have a material adverse effect on the obligations hereunder.

Compliance with Applicable Law. It is in compliance with all Applicable Laws.

No Proceedings. There is no order, judgment, decree, injunction, stipulation or consent order of or with any Governmental Authority to which Notable is subject, and there is no action, suit, arbitration, regulatory proceeding or investigation pending against it or, to it actual knowledge, threatened against it in writing, before or by any Governmental Authority having jurisdiction over Notable or its properties, that is not confidential: (i) asserting the invalidity of this Agreement; (ii) seeking to prevent the consummation of any of the transactions contemplated by this Agreement; or (iii) seeking any determination that would reasonably be expected to have a material adverse effect on the obligations hereunder.

Solvency. It is solvent and no voluntary or involuntary bankruptcy petition has been commenced by or against it, nor has it made an offer or assignment or compromise for the benefit of creditors and it will not be rendered insolvent by the consummation of the transactions contemplated hereby.

Notable agrees to indemnify, defend and hold harmless Better and its Affiliates and their respective officers, directors, employees, agents, successors and assigns from and against any and all liability, damages, reasonable attorney fees, costs, expenses, or losses arising from, in connection with, or based upon allegations whenever made, of any of the following: [***]

Better agrees to indemnify, defend and hold harmless Notable and its Affiliates and their respective officers, directors, employees, agents, successors and assigns from and against any and all liability, damages, reasonable attorney fees, costs, expenses, or losses arising from, in connection with, or based upon allegations whenever made, of any of the following: [***]

With respect to indemnity for claims asserted by third parties, the Parties shall provide each other prompt notice of any claim for which indemnification is sought. The Parties shall cooperate in the defense of the claim. The indemnifying Party shall select and pay qualified, experienced counsel to defend the claim, and shall obtain the approval of the other Party therefore (not to be unreasonably withheld, conditioned or delayed). The indemnified Party shall be entitled to participate in the defense, and

Each Party recognizes that, in connection with this Agreement, it may receive Confidential Information regarding the other Party. Except as required by Applicable Law, the receiving party agrees to keep all Confidential Information strictly confidential, and to use all such information solely in order to effectuate the purpose of the Agreement; provided, that the receiving party may provide Confidential Information to its employees, agents and affiliates who have a need to know such information in order to effectuate the transactions contemplated in this Agreement and such employees, agents and affiliates are informed of the confidential nature of such information and agree to maintain its confidentiality.

Notable shall comply with Applicable Law relating to privacy rights in connection with its performance under this Agreement including, without limitation, the GLBA as well as any of the Privacy Laws. Notable agrees and acknowledges that as to all Consumer Information received or obtained by it with respect to any Cardholder: (i) such information is in connection with servicing or processing a financial product or service the Cardholder requests or authorizes for the purposes of 16 C.F.R., Section 313.14(a)(2); and (ii) Notable is hereby prohibited from storing, disclosing, copying, analyzing, monitoring or using any such information internally other than to carry out the express provision of this Agreement.

Notable shall implement such physical and other security measures as shall be necessary to (a) ensure the security and confidentiality of Confidential Information which it has possession of or control over, (b) protect against any threats or hazards to the security and integrity of such Confidential Information, and (c) protect against any unauthorized access to or use of such Confidential Information.

Notable shall notify Better within forty-eight (48) hours following discovery of any compromise of the security, confidentiality, or integrity of any Confidential Information. Notable shall follow-up written notification within forty-eight (48) hours to Better. Written notification provided pursuant shall be written in plain language and will include the following, to the extent known at the time: (i) what happened; (ii) what information was involved, and, if known, the potential number of Mortgagors affected; (iii) what Notable is doing; (iv) what Better can do; and (v) a point of contact for more information. At a minimum, the security breach notification will contain the following, to the extent known at the time:

The name and contact information of key personnel that the Better can contact to assist with any internal investigation related to the breach.

A list of the types of personal information that were or are reasonably believed to have been the subject of the breach.

If the information is possible to determine at the time the notice is provided, then either (1) date of the breach, (2) estimated date of the breach, or (3) the date range within which the breach occurred. The notification will also include the date of the notice.

Whether the information was delayed as a result of a law enforcement investigation, if that information is possible to determine at the time the notice is provided.

A general description of the breach, if that information is possible to determine at the time the notice is provided.

Notable agrees to adhere to all requirements in Applicable Law with respect to a data breach related to Better’s data, including, when appropriate or required, the required responsibilities and procedures for notification and mitigation. Notable agrees to provide updates as they become available regarding steps taken to address the incident giving rise to the breach and to assist Better with any further investigation.

Notable further acknowledges to have a written response plan that reflects best practices and is consistent with industry standards and Applicable Law for responding to a data breach, breach of security, privacy incident, or unauthorized acquisition or use of Better’s data or any portion thereof, including personally identifiable information and agrees to provide Better, upon request (but no more frequently than annually), or upon a material change to said plan, with a copy of said written incident response plan.

Each party agrees to provide to the other on a timely basis, any Cardholder request that Nonpublic Personal Information not be shared. Notable acknowledges that it has an ongoing responsibility to comply with Applicable Law governing the privacy and security of Cardholder Nonpublic Personal Information, including but not limited to, the GLBA and regulations issued pursuant thereto (12 CFR Part 1016) and Notable will implement and maintain an information security program as required by such regulations.

Each party shall, in accordance with Applicable Law, deliver to the Cardholder, and track delivery of, such privacy policies and notices as may be required of such party under any Applicable Law. Notwithstanding the foregoing, if the parties agree that Notable will deliver any such privacy policies and notices on behalf of Better, then Better shall be responsible for drafting such policy and notice

if to Better:

if to Notable:

Each of Notable and Better hereby knowingly, voluntarily and intentionally waives any and all rights it may have to a trial by jury with respect to any litigation based on, or arising out of, under, or in connection with, this Agreement, or any other documents and instruments executed in connection herewith, or any course of conduct, course of dealing, statements (whether oral or written), or actions of Notable or Better.

With respect to this Agreement or any claim or action arising hereunder, the Parties (a) irrevocably submit to the exclusive jurisdiction of the courts of [***], and appellate courts from any thereof, and (b) irrevocably waive any objection which such Party may have at any time to the laying of venue of any suit, action or proceeding arising out of or relating to this Agreement brought in any such court, and irrevocably waive any claim that any such suit action or proceeding brought in any such court has been brought in an inconvenient forum.

Neither party shall be in breach of its obligations under this Agreement or incur any liability to the other party for any losses or damages incurred or suffered by that other party (other than under any express indemnity in this Agreement) if and to the extent that it is prevented from carrying out those obligations by, or such losses or damages are caused by, a force majeure event including, but not limited to acts of God, strikes, riots, acts of war, terrorism, earthquakes, pandemics, federal, state, or local government mandated shutdowns, and other events beyond its reasonable control (“Force Majeure Event”). The foregoing shall not apply to the extent that the relevant breach of a Party’s obligations would have occurred, or the relevant losses or damages would have arisen, even if the Force Majeure Event had not occurred (in which case this clause shall not apply).

As soon as reasonably practicable following the date of commencement of a Force Majeure Event, the affected Party shall provide written notice to the other Party of the Force Majeure Event. The Party invoking the Force Majeure Event shall submit to the other Party a reasonable description of the nature of the Force Majeure Event and of its effect upon the performance of the affected Party’s obligations under this Agreement.

The Party asserting a Force Majeure Event shall at all times take all reasonable steps within its power to (i) prevent Force Majeure Event from affecting the performance of the Party’s obligations under this Agreement; (ii) mitigate the effect of the Force Majeure Event, including by recourse to alternative mutually acceptable sources of services, equipment and materials; (iii) overcome the effects of the Force Majeure Event; (iv) comply with its obligations that it may otherwise perform under this Agreement; and (v) ensure resumption of normal performance of the Agreement as soon as reasonably practicable and perform its obligations to the maximum extent practicable. The affected Party shall provide regular updates to the other Party regarding the measures the affected Party is taking to comply with this Section following notice of a Force Majeure Event.