<SEC-DOCUMENT>0001488813-19-000031.txt : 20190424
<SEC-HEADER>0001488813-19-000031.hdr.sgml : 20190424
<ACCEPTANCE-DATETIME>20190424172055
ACCESSION NUMBER:		0001488813-19-000031
CONFORMED SUBMISSION TYPE:	10-K/A
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20181231
FILED AS OF DATE:		20190424
DATE AS OF CHANGE:		20190424

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Customers Bancorp, Inc.
		CENTRAL INDEX KEY:			0001488813
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				272290659
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35542
		FILM NUMBER:		19764642

	BUSINESS ADDRESS:	
		STREET 1:		1015 PENN AVENUE
		STREET 2:		SUITE 103
		CITY:			WYOMISSING
		STATE:			PA
		ZIP:			19610
		BUSINESS PHONE:		484-359-7113

	MAIL ADDRESS:	
		STREET 1:		1015 PENN AVENUE
		STREET 2:		SUITE 103
		CITY:			WYOMISSING
		STATE:			PA
		ZIP:			19610

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Customers 1st Bancorp, Inc.
		DATE OF NAME CHANGE:	20100408
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K/A
<SEQUENCE>1
<FILENAME>cubi-12312018x10ka.htm
<DESCRIPTION>10-K/A
<TEXT>
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<div><a name="s9CC2877C457C5ECB9400585B388CC208"></a></div><div><div style="line-height:120%;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s77499EB87E115848B439B92616D59B31"><font style="font-family:inherit;font-size:10pt;">Table of Contents</font></a></div></div><div><br></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;border-bottom:1px solid #000000;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">UNITED STATES</font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">WASHINGTON, DC 20549</font></div><div style="line-height:120%;padding-top:4px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;________________________________________</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">FORM 10-K/A</font></div><div style="line-height:120%;padding-bottom:8px;padding-top:8px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">(Amendment No. 1)</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">________________________________________&#160;</font></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">OF THE SECURITIES EXCHANGE ACT OF 1934</font></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">For the fiscal year ended </font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December&#160;31, 2018</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#32;</font></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">001-35542</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Commission File Number)</font></div><div style="line-height:120%;padding-top:4px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">________________________________________</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font><img src="g636246logoa41.jpg" alt="g636246logoa41.jpg" style="height:64px;width:485px;"></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(Exact name of registrant as specified in its charter)</font></div><div style="line-height:120%;padding-top:4px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">________________________________________&#160;</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:49%;"></td><td style="width:1%;"></td><td style="width:50%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Pennsylvania</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">27-2290659</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(State or other jurisdiction of</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">incorporation or organization)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(I.R.S. Employer</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Identification Number)</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">1015 Penn Avenue</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Suite 103</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Wyomissing PA 19610</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Address of principal executive offices)</font></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(610) 933-2000</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Registrant's telephone number, including area code)</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Securities registered pursuant to Section&#160;12(b) of the Act:</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:49%;"></td><td style="width:1%;"></td><td style="width:50%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-decoration:underline;">Title of Each Class</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-decoration:underline;">Name of Each Exchange on which Registered</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Voting Common Stock, par value $1.00 per share</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">New York Stock Exchange</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fixed-to-Floating Rate Non-Cumulative Perpetual</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Preferred Stock, Series C, par value $1.00 per share</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">New York Stock Exchange</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fixed-to-Floating Rate Non-Cumulative Perpetual</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Preferred Stock, Series D, par value $1.00 per share</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">New York Stock Exchange</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fixed-to-Floating Rate Non-Cumulative Perpetual<br>Preferred Stock, Series E, par value $1.00 per share</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">New York Stock Exchange</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fixed-to-Floating Rate Non-Cumulative Perpetual<br>Preferred Stock, Series F, par value $1.00 per share</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">New York Stock Exchange</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Securities registered pursuant to Section&#160;12(g) of the Act: None</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">________________________________________&#160;</font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant is a well-known seasoned issuer, as defined in Rule&#160;405 of the Securities Act.&#160;&#160;&#160;&#160;Yes&#160;&#160;</font><font style="font-family:Wingdings;font-size:10pt;">&#168;</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;No&#160;&#160;</font><font style="font-family:Wingdings;font-size:10pt;">x</font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant is not required to file reports pursuant to Section&#160;13 or Section&#160;15(d) of the Act.&#160;&#160;&#160;&#160;Yes&#160;&#160;</font><font style="font-family:Wingdings;font-size:10pt;">&#168;</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;No&#160;&#160;</font><font style="font-family:Wingdings;font-size:10pt;">x</font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant (1)&#160;has filed all reports required to be filed by Section&#160;13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)&#160;has been subject to such filing requirements for the past 90 days.&#160;&#160;&#160;&#160;Yes&#160;&#160;</font><font style="font-family:Wingdings;font-size:10pt;">x</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;No&#160;&#160;</font><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 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style="line-height:120%;padding-top:16px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#8220;large accelerated filer,&#8221; "accelerated filer," &#8220;smaller reporting company&#8221; and "emerging growth company" in Rule&#160;12b-2 of the Exchange&#160;Act. (Check One):</font><font style="font-family:inherit;font-size:12pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:19%;"></td><td style="width:1%;"></td><td style="width:52%;"></td><td style="width:24%;"></td><td style="width:1%;"></td><td style="width:3%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Large&#160;accelerated&#160;filer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">x</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Accelerated&#160;filer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-accelerated filer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td 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style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Emerging growth company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">&#168;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).&#160;&#160;&#160;&#160;Yes&#160;&#160;</font><font style="font-family:Wingdings;font-size:10pt;">&#168;</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;No&#160;&#160;</font><font style="font-family:Wingdings;font-size:10pt;">x</font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The aggregate market value of common stock held by non-affiliates of the registrant was approximately </font><font style="font-family:inherit;font-size:10pt;">$833,232,801</font><font style="font-family:inherit;font-size:10pt;">&#32;as of June&#160;30, 2018, based upon the closing price quoted on the New York Stock Exchange for such date. Shares of common stock held by each executive officer and director have been excluded because such persons may under certain circumstances be deemed to be affiliates. This determination of executive officer or affiliate status is not necessarily a conclusive determination for other purposes.</font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">On </font><font style="font-family:inherit;font-size:10pt;">February&#160;22, 2019</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">31,080,573</font><font style="font-family:inherit;font-size:10pt;">&#32;shares of common stock were outstanding.</font></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">DOCUMENTS INCORPORATED BY REFERENCE</font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Portions of the registrant&#8217;s definitive proxy statement to be delivered to shareholders in connection with the 2019 Annual Meeting of Shareholders are incorporated by reference into Part III of this Annual Report.</font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;border-bottom:1px solid #000000;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div><br></div><hr style="page-break-after:always"><div><a name="s98D0C8239656504F8C6365EA57CC50F2"></a></div><div><div style="line-height:120%;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s77499EB87E115848B439B92616D59B31"><font style="font-family:inherit;font-size:10pt;">Table of Contents</font></a></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">EXPLANATORY NOTE</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This Amendment No. 1 to Customers Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2018 ("2018 Form 10-K/A") is being filed to amend Customers Bancorp, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2018, which was initially filed with the Securities and Exchange Commission ("SEC") on March 1, 2019 ("Original 2018 Form 10-K"). The purpose of this 2018 Form 10-K/A is to refile Exhibits 10.22 through 10.32, inclusive, which were filed with the Original 2018 Form 10-K, to transition to the recently adopted changes to the requirements set forth in Item 601(b) of Regulation S-K permitting registrants to omit confidential information from material contracts filed pursuant to Item 601(b)(10) of Regulation S-K without the need to submit a confidential treatment request to the SEC. The confidential information omitted from Exhibits 10.22 through 10.32 (i) is not material and (ii) would be competitively harmful if publicly disclosed. Certain&#160; changes have been made to the exhibits to conform to the new requirements.&#160; In addition, certain changes have been made to the Exhibit Index included in Part IV, Item 15 "Exhibits and Financial Statement Schedules" to remove the reference stating "Confidential treatment has been requested for certain information contained in this document. Such information has been omitted and filed separately with the SEC" and replace that reference with "Certain identified information has been excluded from this exhibit because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed."</font></div><div style="line-height:120%;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In addition, pursuant to Rule 12b-15 under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), new certifications by Customers Bancorp, Inc.'s principal executive officer and principal financial officer are filed herewith as exhibits to this 2018 Form 10-K/A pursuant to Rule 13a-14(a) or 15d-14(a) of the Exchange Act. These certifications are attached to this 2018 Form 10-K/A as Exhibits 31.1 and 31.2. Because no financial statements have been included in this 2018 Form 10-K/A and this 2018 Form 10-K/A does not contain or amend any disclosure with respect to Items 307 and 308 of Regulation S-K, paragraphs 3, 4 and 5 of the certifications have been omitted. Additionally, we are not including the certificate under Section 906 of the Sarbanes-Oxley Act of 2002 as no financial statements are being filed with this 2018 Form 10-K/A.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This 2018 Form 10-K/A is an exhibit-only filing. Except as expressly noted herein, this 2018 Form 10-K/A does not modify or update in any way the financial statements or disclosures made, or any exhibits included or incorporated by reference, in the Original 2018 Form 10-K and does not reflect events occurring after the filing of the Original 2018 Form 10-K.  This 2018 Form 10-K/A should be read in conjunction with the Original 2018 Form 10-K and our other filings with the SEC.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="18"></td></tr><tr><td style="width:20%;"></td><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:8%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">i</font></div></div><hr style="page-break-after:always"><div><a name="s77499EB87E115848B439B92616D59B31"></a></div><div><div style="line-height:120%;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s77499EB87E115848B439B92616D59B31"><font style="font-family:inherit;font-size:10pt;">Table of Contents</font></a></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">INDEX</font></div><div style="line-height:120%;padding-top:16px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:14%;"></td><td style="width:76%;"></td><td style="width:10%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-decoration:underline;">PAGE</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="font-family:inherit;font-size:10pt;font-weight:bold;" href="#s0B3940709BFD51B38DB011560B1AB50E"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">PART&#160;IV</font></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">Item&#160;15.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s4201761216375D6C9EC17039A7BC4CE2"><font style="font-family:inherit;font-size:10pt;">Exhibits and Financial Statement Schedules</font></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s4201761216375D6C9EC17039A7BC4CE2">3</a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#sEA53015D34A556EC8D9D198927BE69CB"><font style="font-family:inherit;font-size:10pt;">SIGNATURES</font></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#sEA53015D34A556EC8D9D198927BE69CB">7</a></div></td></tr></table></div></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></div><hr style="page-break-after:always"><div><a name="s0B3940709BFD51B38DB011560B1AB50E"></a></div><div><div style="line-height:120%;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s77499EB87E115848B439B92616D59B31"><font style="font-family:inherit;font-size:10pt;">Table of Contents</font></a></div></div><div><br></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">PART IV</font></div><div><a name="s4201761216375D6C9EC17039A7BC4CE2"></a></div><div style="line-height:120%;padding-top:24px;-sec-extract:summary;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Item&#160;15&#160;&#160;&#160;&#160;Exhibits and Financial Statement Schedules</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(a)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:left;font-size:10pt;text-indent:-48px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">1. Consolidated Financial Statements </font></div></td></tr></table><div style="line-height:120%;padding-left:4px;padding-top:8px;text-align:left;padding-left:114px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Customers' Consolidated Financial Statements required to be filed as part of the Original 2018 Form 10-K and the Reports of Independent Registered Public Accounting Firm were filed as Part II, Item 8. Financial Statements and Supplementary Data in the Original 2018 Form 10-K.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(b)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:left;font-size:10pt;text-indent:-48px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2. Financial Statement Schedules</font></div></td></tr></table><div style="line-height:120%;padding-left:4px;padding-top:8px;text-align:left;padding-left:114px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Financial statement schedules are omitted because the required information is either not applicable, not required or is shown in the respective financial statements or in the notes thereto.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(c)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:left;font-size:10pt;text-indent:-48px;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibits</font></div></td></tr></table><div style="line-height:120%;padding-left:4px;padding-top:8px;text-align:left;padding-left:114px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The exhibits listed on the Exhibit Index below filed or incorporated by reference as part of this report.</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:91%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Exhibit </font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">No.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">Description</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015911000011/ex2-3.htm"><font style="font-family:inherit;font-size:10pt;">Purchase and Assumption Agreement, dated as of July&#160;9, 2010, by and among Customers Bank, the FDIC as Receiver of USA Bank, and the FDIC acting in its corporate capacity, incorporated by reference to Exhibit 2.3 to the Customers Bancorp Form S-1/A filed with the SEC on January&#160;13, 2011</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.2</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015911000011/ex2-4.htm"><font style="font-family:inherit;font-size:10pt;">Purchase and Assumption Agreement, dated as of September&#160;17, 2010, by and among 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style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.3</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000162828016011747/cubi-12_31x2015xex23.htm"><font style="font-family:inherit;font-size:10pt;">Asset Purchase Agreement dated as of December 15, 2015 by and among Customers Bancorp, Customers Bank, Higher One, Inc. and Higher One Holdings, Inc., incorporated by reference to Exhibit 2.3 to the Customers 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style="font-family:inherit;font-size:10pt;">2.4</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015917000075/ex2-1.htm"><font style="font-family:inherit;font-size:10pt;">Purchase and Assumption Agreement dated as of March 7, 2017 among Flagship Community Bank, Customers Bank and Customers Bancorp, Inc., incorporated by reference to Exhibit 2.1 to the Customers Bancorp 8-K filed with the SEC on March 8, 2017</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.5</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015917000264/ex2-1.htm"><font style="font-family:inherit;font-size:10pt;">Amended and Restated Purchase and Assumption Agreement and Plan of Merger dated as of November 17, 2017 among Flagship Community Bank, BankMobile Technologies, Inc, Customers Bank and Customers Bancorp, Inc., incorporated by reference to Exhibit 2.1 to the Customers Bancorp 8-K filed with the SEC on November 20, 2017</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.6</font></div></td><td 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style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000271/ex3-1.htm"><font style="font-family:inherit;font-size:10pt;">Amended and Restated Articles of Incorporation of Customers Bancorp, incorporated by reference to Exhibit 3.1 to the Customers Bancorp&#8217;s Form 8-K filed with the SEC on April 30, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.2</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000271/ex3-2.htm"><font style="font-family:inherit;font-size:10pt;">Amended and Restated Bylaws of Customers Bancorp, incorporated by reference to Exhibit 3.2 to the Customers Bancorp&#8217;s Form 8-K filed with the SEC on April 30, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.3</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000402/ex3-1.htm"><font style="font-family:inherit;font-size:10pt;">Articles of Amendment to the Amended and Restated Articles of Incorporation of Customers Bancorp, Inc., incorporated by reference to Exhibit 3.1 to the Customers Bancorp Form 8-K filed with the SEC on July 2, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.4</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015915000151/ex3-1.htm"><font style="font-family:inherit;font-size:10pt;">Statement with Respect to Shares of Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C, incorporated by reference to Exhibit 3.1 to the Customers Bancorp Form 8-K filed with the SEC on May 18, 2015</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.5</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015916000433/ex3-1.htm"><font style="font-family:inherit;font-size:10pt;">Statement with Respect to Shares of Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, incorporated by reference to Exhibit 3.1 to the Customers Bancorp Form 8-K filed with the SEC on January 29, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.6</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015916000573/ex3-1.htm"><font style="font-family:inherit;font-size:10pt;">Statement with Respect to Shares of Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series E, incorporated by reference to Exhibit 3.1 to the Customers Bancorp Form 8-K filed with the SEC on April 28, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.7</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015916000731/ex3-1.htm"><font style="font-family:inherit;font-size:10pt;">Statement with Respect to Shares of Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series F, incorporated by reference to Exhibit 3.1 to the Customers Bancorp Form 8-K filed with the SEC on September 16, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:8px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s77499EB87E115848B439B92616D59B31"><font style="font-family:inherit;font-size:10pt;">Table of Contents</font></a></div></div><div><br></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:91%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-bottom:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Exhibit </font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">No.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">Description</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000273/ex4-1.htm"><font style="font-family:inherit;font-size:10pt;">Specimen stock certificate of Customers Bancorp, Inc. Voting Common Stock and Class B Non-Voting Common Stock, incorporated by reference to Exhibit 4.1 to the Customers Bancorp Form S-1/A filed with the SEC on May&#160;1, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.2</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015910000305/ex4-8.htm"><font style="font-family:inherit;font-size:10pt;">Form of Warrant issued to investors in New Century Bank&#8217;s March and February 2010 private offerings, 2009 private offering, and in partial exchange for New Century Bank&#8217;s shares of 10% Series A Non-Cumulative Perpetual Convertible Preferred Stock in June 2009, incorporated by reference to Exhibit 4.8 to the Customers Bancorp Form S-1 filed with the SEC on April&#160;22, 2010</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.3</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015910000305/ex4-9.htm"><font style="font-family:inherit;font-size:10pt;">Warrants issued to Jay S. Sidhu, June&#160;30, 2009, incorporated by reference to Exhibit 4.9 to the Customers Bancorp Form&#160;S-1 filed with the SEC on April&#160;22, 2010</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.4</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000119312513310612/d575379dex41.htm"><font style="font-family:inherit;font-size:10pt;">Indenture, dated as of July&#160;30, 2013, by and between Customers Bancorp, Inc., as Issuer, and Wilmington Trust, National Association, as Trustee, incorporated by reference to Exhibit 4.1 to the Customers Bancorp Form 8-K filed with the SEC on July&#160;31, 2013</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.5</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000119312513310612/d575379dex42.htm"><font style="font-family:inherit;font-size:10pt;">First Supplemental Indenture, dated as of July&#160;30, 2013, by and between Customers Bancorp, Inc., as Issuer, and Wilmington Trust, National Association, as Trustee, incorporated by reference to Exhibit 4.2 to the Customers Bancorp Form 8-K filed with the SEC on July&#160;31, 2013</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.6</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000119312513310612/d575379dex43.htm"><font style="font-family:inherit;font-size:10pt;">6.375% Global Note in aggregate principal amount of $55,000,000, incorporated by reference to Exhibit 4.3 to the Customers Bancorp Form 8-K filed with the SEC on July&#160;31, 2013</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.7</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015913000544/ex4-1.htm"><font style="font-family:inherit;font-size:10pt;">Amendment to First Supplemental Indenture, dated August 27, 2013, by and between Customers Bancorp, Inc. and Wilmington Trust Company, National Association, as trustee, incorporated by reference to Exhibit 4.1 to the Customers Bancorp Form 8-K filed with the SEC on August 29, 2013</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.8</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015913000544/ex4-2.htm"><font style="font-family:inherit;font-size:10pt;">6.375% Global Note in aggregate principal amount of $8,250,000, incorporated by reference to Exhibit 4.2 to the Customers Bancorp Form 8-K filed with the SEC on August 29, 2013</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.9</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000119312514251079/d746866dex101.htm"><font style="font-family:inherit;font-size:10pt;">Form of Note Subscription Agreement (including form of Subordinated Note Certificate and Senior Note Certificate), incorporated by reference to Exhibit 10.1 to the Customers Bancorp Form 8-K filed with the SEC on June 26, 2014</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.10</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015917000188/ex4-1.htm"><font style="font-family:inherit;font-size:10pt;">Second Supplemental Indenture, dated as of June 30, 2017, by and between Customers Bancorp, Inc, as Issuer, and Wilmington Trust, National Association, as Trustee, incorporated by reference to Exhibit 4.1 to the Customers Bancorp Form 8-K filed with the SEC on June 30, 2017</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.1+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000169/ex10-2.htm"><font style="font-family:inherit;font-size:10pt;">Customers Bancorp, Inc. 2010 Stock Option Plan, incorporated by reference to Exhibit 10.2 to the Customers Bancorp Form 10-K filed with the SEC on March&#160;21, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.2+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000182/ex10-3.htm"><font style="font-family:inherit;font-size:10pt;">Amended and Restated Employment Agreement, dated as of March&#160;26, 2012, by and between Customers Bancorp, Inc. and Jay S. Sidhu, incorporated by reference to Exhibit 10.3 to the Customers Bancorp Form S-1 filed with the SEC on March&#160;28, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.3+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000182/ex10-4.htm"><font style="font-family:inherit;font-size:10pt;">Amended and Restated Employment Agreement, dated as of March&#160;26, 2012, by and between Customers Bancorp, Inc. and Richard Ehst, incorporated by reference to Exhibit 10.4 to the Customers Bancorp Form S-1 filed with the SEC on March&#160;28, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.4+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000169/ex10-7.htm"><font style="font-family:inherit;font-size:10pt;">Amended and Restated Customers Bancorp, Inc. 2004 Incentive Equity and Deferred Compensation Plan, incorporated by reference to Exhibit 10.7 to the Customers Bancorp Form 10-K filed with the SEC on March&#160;21, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.5+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000273/ex10-25.htm"><font style="font-family:inherit;font-size:10pt;">Form of Restricted Stock Unit Award Agreement for Employees relating to the 2012 Special Stock Reward Program, incorporated by reference to Exhibit 10.25 to the Customers Bancorp Form S-1/A filed with the SEC on May&#160;1, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.6+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000169/ex10-15.htm"><font style="font-family:inherit;font-size:10pt;">Bonus Recognition and Retention Plan, incorporated by reference to Exhibit 10.15 to the Customers Bancorp Form 10-K filed with the SEC on March&#160;21, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.7+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015911000250/ex10-15.htm"><font style="font-family:inherit;font-size:10pt;">Supplemental Executive Retirement Plan of Jay S. Sidhu, incorporated by reference to Exhibit 10.15 to the Customers Bancorp Form S-1/A filed with the SEC on April&#160;18, 2011</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.8+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000273/ex10-26.htm"><font style="font-family:inherit;font-size:10pt;">Form of Restricted Stock Unit Award Agreement for Directors relating to the 2012 Special Stock Reward Program, incorporated by reference to Exhibit 10.26 to the Customers Bancorp Form S-1/A filed with the SEC on May&#160;1, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.9+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000169/ex10-18.htm"><font style="font-family:inherit;font-size:10pt;">Form of Stock Option Agreement, incorporated by reference to Exhibit 10.18 to the Customers Bancorp Form 10-K filed with the SEC on March&#160;21, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s77499EB87E115848B439B92616D59B31"><font style="font-family:inherit;font-size:10pt;">Table of Contents</font></a></div></div><div><br></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:91%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-bottom:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Exhibit </font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">No.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">Description</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.10+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015912000169/ex10-17.htm"><font style="font-family:inherit;font-size:10pt;">Form of Restricted Stock Unit Award Agreement, incorporated by reference to Exhibit 10.17 to the Customers Bancorp Form 10-K filed with the SEC on March&#160;21, 2012</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.11+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000119312513112444/d444331dex1029.htm"><font style="font-family:inherit;font-size:10pt;">Change of Control Agreement, dated as of January&#160;30, 2013, by and between Customers Bancorp, Inc. and Glenn Hedde, incorporated by reference to Exhibit 10.29 to Customers Bancorp&#8217;s Form 10-K filed with the SEC on March&#160;18, 2013</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.12+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000119312513112444/d444331dex1030.htm"><font style="font-family:inherit;font-size:10pt;">Change of Control Agreement, dated as of January&#160;30, 2013, by and between Customers Bancorp, Inc. and Warren Taylor, incorporated by reference to Exhibit 10.30 to Customers Bancorp&#8217;s Form 10-K filed with the SEC on March&#160;18, 2013</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.13+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000162828016011747/cubi-12x31x2015xex1014.htm"><font style="font-family:inherit;font-size:10pt;">Change of Control Agreement, dated as of December 22, 2012, by and between Customers Bancorp, Inc. and Ken Keiser, incorporated by reference to Exhibit 10.14 to the Customers Bancorp Form 10-K filed with the SEC on February 26, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.14+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000162828016011747/cubi-12x31x2015xex1015.htm"><font style="font-family:inherit;font-size:10pt;">Employment Agreement, dated as of August 5, 2013, by and between Customers Bancorp, Inc. and Robert Wahlman, incorporated by reference to Exhibit 10.15 to the Customers Bancorp Form 10-K filed with the SEC on February 26, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.15+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000162828016011747/cubi-12x31x2015xex1016.htm"><font style="font-family:inherit;font-size:10pt;">Employment Agreement, dated as of March 1, 2014, by and between Customers Bancorp, Inc. and Steven Issa, incorporated by reference to Exhibit 10.16 to the Customers Bancorp Form 10-K filed with the SEC on February 26, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.16+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000162828016011747/cubi-12x31x2015xex1017.htm"><font style="font-family:inherit;font-size:10pt;">Amendment to Employment Agreement, dated as of February 26, 2016, by and between Customers Bancorp, Inc. and Steven Issa, incorporated by reference to Exhibit 10.17 to the Customers Bancorp Form 10-K filed with the SEC on February 26, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.17</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015916000617/ex10-1.htm"><font style="font-family:inherit;font-size:10pt;">Transition Services Agreement dated as of June 15, 2016 by and among Customers Bancorp, Customers Bank, Higher One, Inc. and Higher One Holdings, Inc.,  incorporated by reference to Exhibit 10.1 to the Customers Bancorp&#8217;s Form 8-K filed with the SEC on June 16, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.18</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015916000817/ex10-1.htm"><font style="font-family:inherit;font-size:10pt;">Order to Cease and Desist and Order of Assessment of Civil Money Penalty Issued Upon Consent Dated December 2, 2016, incorporated by reference to Exhibit 10.1 to the Customers Bancorp Form 8-K filed with the SEC on December 7, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.19+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015916000833/ex10-2.htm"><font style="font-family:inherit;font-size:10pt;">Amended and Restated Employment Agreement, dated as of December 30, 2016, by and between Customers Bancorp, Inc. and Richard Ehst, incorporated by reference to Exhibit 10.2 to the Customers Bancorp Form 8-K filed with the SEC on December 30, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.20+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015916000833/ex10-1.htm"><font style="font-family:inherit;font-size:10pt;">Amended and Restated Employment Agreement, dated as of December 30, 2016, by and between Customers Bancorp, Inc. and Jay S. Sidhu. incorporated by reference to Exhibit 10.1 to the Customers Bancorp Form 8-K filed with the SEC on December 30, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.21+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000095015916000833/ex10-3.htm"><font style="font-family:inherit;font-size:10pt;">Letter Agreement, dated as of December 30, 2016, by and between Customers Bancorp, Inc. and Jay S. Sidhu. incorporated by reference to Exhibit 10.3 to the Customers Bancorp Form 8-K filed with the SEC on December 30, 2016</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.22*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1022cobaltagreementa.htm"><font style="font-family:inherit;font-size:10pt;">Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of February 24, 2017</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.23*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1023cobaltamendment1a.htm"><font style="font-family:inherit;font-size:10pt;">First Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of September 30, 2017</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.24*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1024cobaltamendment2a.htm"><font style="font-family:inherit;font-size:10pt;">Second Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of October 24, 2017</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.25*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1025cobaltamendment3a.htm"><font style="font-family:inherit;font-size:10pt;">Third Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of December 21, 2017</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.26*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1026cobaltamendment4a.htm"><font style="font-family:inherit;font-size:10pt;">Fourth Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of December 1, 2018</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.27*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1027cobaltamendment5a.htm"><font style="font-family:inherit;font-size:10pt;">Fifth Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of August 16, 2018</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.28*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1028cobaltamendment6a.htm"><font style="font-family:inherit;font-size:10pt;">Sixth Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of September 28, 2018</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s77499EB87E115848B439B92616D59B31"><font style="font-family:inherit;font-size:10pt;">Table of Contents</font></a></div></div><div><br></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:8%;"></td><td style="width:1%;"></td><td style="width:91%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-bottom:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Exhibit </font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">No.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">Description</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.29*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1029cobaltamendment7a.htm"><font style="font-family:inherit;font-size:10pt;">Seventh Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of September 28, 2018</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.30*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1030cobaltamendment8a.htm"><font style="font-family:inherit;font-size:10pt;">Eighth Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of December 9, 2018</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.31*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1031cobaltamendment9a.htm"><font style="font-family:inherit;font-size:10pt;">Ninth Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of September 28, 2018</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.32*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="a1032cobaltamendment10a.htm"><font style="font-family:inherit;font-size:10pt;">Tenth Amendment to Private Label Banking Program Agreement by and between Customers Bank and T-Mobile USA, Inc. dated as of December 27, 2018</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.33+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000148881318000055/ex101rwagreement12-10x18.htm"><font style="font-family:inherit;font-size:10pt;">Separation of Employment dated as of December 7, 2018 by and between Customers Bancorp, Inc. and Robert Wahlman, incorporated by reference to Exhibit 10.1 to the Customers Bancorp, Inc. Form 8-K filed with the SEC on December 11, 2018</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.34**</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000148881319000009/a1034carlaleibold2yrchange.htm"><font style="font-family:inherit;font-size:10pt;">Change of Control Agreement, dated as of August 14, 2017 by and between Customers Bancorp, Inc. and Carla A. Leibold</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21.1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="cubi-12312018xex211a.htm"><font style="font-family:inherit;font-size:10pt;">List of Subsidiaries of Customers Bancorp, Inc.</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23.1**</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000148881319000009/cubi-12312018xex231.htm"><font style="font-family:inherit;font-size:10pt;">Consent of BDO USA, LLP</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31.1</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="cubi-12312018xex311a.htm"><font style="font-family:inherit;font-size:10pt;">Certification of the Chief Executive Officer Pursuant to Exchange Act Rule 13a-14(a) or Rule 15d-14(a)</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31.2</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="cubi-12312018xex312a.htm"><font style="font-family:inherit;font-size:10pt;">Certification of the Chief Financial Officer Pursuant to Exchange Act Rule 13a-14(a) or Rule 15d-14(a)</font></a></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">32.1***</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="http://www.sec.gov/Archives/edgar/data/1488813/000148881319000009/cubi-12312018xex321.htm"><font style="font-family:inherit;font-size:10pt;">Certification of the Chief Executive Officer Pursuant to 18 U.S.C. 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style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">+</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Management Contract or compensatory plan or arrangement</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">*</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Certain identified information has been excluded from this Exhibit because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">**</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Filed as an exhibit to the Original 2018 Form 10-K</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">***</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Furnished as an exhibit to the Original 2018 Form 10-K</font></div></td></tr></table></div></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6</font></div></div><hr style="page-break-after:always"><div><a name="sEA53015D34A556EC8D9D198927BE69CB"></a></div><div><div style="line-height:120%;font-size:10pt;"><a style="font-family:inherit;font-size:10pt;" href="#s77499EB87E115848B439B92616D59B31"><font style="font-family:inherit;font-size:10pt;">Table of Contents</font></a></div></div><div><br></div><div style="line-height:120%;padding-top:16px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">SIGNATURES</font></div><div style="line-height:120%;padding-top:12px;text-indent:65px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pursuant to the requirements of the Section&#160;13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this amended report to be signed on its behalf by the undersigned, thereunto duly authorized.</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:52%;"></td><td style="width:6%;"></td><td style="width:1%;"></td><td style="width:41%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Customers Bancorp, Inc.</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">April&#160;24, 2019</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Jay S. Sidhu</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Name:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Jay S. Sidhu</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Title:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chairman and Chief Executive Officer</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Customers Bancorp, Inc.</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">April&#160;24, 2019</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Carla A. Leibold</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Name:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Carla A. Leibold</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Title:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chief&#160;Financial Officer and Treasurer</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7</font></div></div>	</body>
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<TYPE>EX-10.22
<SEQUENCE>2
<FILENAME>a1022cobaltagreementa.htm
<DESCRIPTION>EXHIBIT 10.22
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<div><a name="sB1D775467CD05C919A4064416A8079D5"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Exhibit 10.22</font></div><div style="line-height:120%;text-align:left;padding-left:78px;text-indent:78px;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;">&#160;</font></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:14px;text-align:center;padding-left:92px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">This </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT </font><font style="font-family:inherit;font-size:12pt;">(together with any exhibits, schedules, and attachments, collectively, this &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:12pt;">&#8221; or the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:12pt;">&#8221;) is dated this </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">24th</font><font style="font-family:inherit;font-size:12pt;">&#32;</font><font style="font-family:inherit;font-size:12pt;">day of </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">February</font><font style="font-family:inherit;font-size:12pt;">&#32;</font><font style="font-family:inherit;font-size:12pt;">, 2017 (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Effective Date</font><font style="font-family:inherit;font-size:12pt;">&#8221;) and is by and between </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T- MOBILE USA, INC.</font><font style="font-family:inherit;font-size:12pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:12pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Company and Bank are collectively referred to as the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Parties</font><font style="font-family:inherit;font-size:12pt;">&#8221; and are individually referred to as a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Party</font><font style="font-family:inherit;font-size:12pt;">.&#8221;</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:92px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:105px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">(a)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank is a Pennsylvania chartered, FDIC-insured banking institution and member of the Federal Reserve System that, among other things, offers a variety of banking services to consumers.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:105px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:27.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:12pt;text-indent:-27.333333333333332px;"><font style="font-family:inherit;font-size:12pt;">Company is a wireless telecommunications company, which provides communications and other services and products to consumers.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:105px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">(c)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank and Company desire to collaborate in developing, marketing, and offering the T- Mobile Financial Services to Company&#8217;s customers, and Bank desires to provide the T- Mobile Financial Services to Company&#8217;s customers (collectively, the&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program</font><font style="font-family:inherit;font-size:12pt;">&#8221;).</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:92px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">TERMS OF AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:12pt;">in consideration of the mutual covenants and conditions hereinafter set forth, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the Parties hereto, intending to be legally bound, agree as follows:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:85px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;font-weight:bold;padding-right:44px;">1.</font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CERTAIN DEFINITIONS. </font><font style="font-family:inherit;font-size:12pt;">Capitalized terms used herein shall have the meanings ascribed to such terms in this Section 1 or in the body of this Agreement and such meanings shall be applicable to both the singular and the plural forms of such terms.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Account Agreement</font><font style="font-family:inherit;font-size:12pt;">&#8221; means, collectively, the agreement(s) between Bank and a Customer governing the terms and use of a T-Mobile Customer Account or a Card and all related disclosures as may be required by Applicable Law or deemed necessary by Bank.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:121%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Account Terms and Conditions</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 3.1(a).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Active T-Mobile Customer</font><font style="font-family:inherit;font-size:12pt;">&#8221; means (1) a T-Mobile Customer that has made a deposit or withdrawal to a T-Mobile Customer Account in the previous three (3) months; or (2) has an open account with a balance.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Advisory Board</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 15.4(c).</font></div></td></tr></table><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></div><hr style="page-break-after:always"><div><a name="sA16014CA2E9750AD8866A48617BC09F4"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(e)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AML Program</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 3.2.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(f)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Applicable Law</font><font style="font-family:inherit;font-size:12pt;">&#8221; means, as and to the extent applicable to a Party, (i) any international, federal, state, or local law, (ii) any regulation, rule, supervisory guidance, guideline, directive, or interpretation promulgated or published by any Regulatory Authority, or (iii) any order issued by a court having jurisdiction over a Party related to the issuance, sale, authorization or usage of the Cards or services to be provided under this Agreement.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(g)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Approval Rate</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 2(a) of Exhibit</font></div></td></tr></table><div style="line-height:138%;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">D.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(h)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">ATM</font><font style="font-family:inherit;font-size:12pt;">&#8221; means automated teller machine.</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Auditing Party</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 5.1(e).</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(j)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank FinTech</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 14.1.</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(k)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank Indemnified Party</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">15.1(a).</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(l)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank Marks</font><font style="font-family:inherit;font-size:12pt;">&#8221; means the Bank&#8217;s Marks set forth in Exhibit 14.7, as such Marks may be modified or updated from time to time by Bank.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(m)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank User Interface</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 14.1.</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(n)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Behavior Data</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 11.3.</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(o)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Beta Launch Date</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 6.1.</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(p)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Beta Program</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10(e) of Exhibit</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">D.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(q)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Beta Version</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10(e) of Exhibit</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">D.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(r)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">"</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Brokered Deposits</font><font style="font-family:inherit;font-size:12pt;">" has the meaning ascribed to such term in Section 8.1(m).</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(s)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Card</font><font style="font-family:inherit;font-size:12pt;">&#8221; shall mean a debit card, physical or virtual, or other access device issued</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">by Bank to a T-Mobile Customer to allow the T-Mobile Customer to access the T-Mobile Customer Account.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(t)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Charges</font><font style="font-family:inherit;font-size:12pt;">&#8221; means any and all charges related to services assessed against the T- Mobile Customer Accounts that are set by T-Mobile and administered by Bank.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(u)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Claim</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 15.1(a).</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company Indemnified Party</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 15.1(b).</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></div><hr style="page-break-after:always"><div><a name="s9ACF435F98FD5CDA974B9658DDC9D527"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(w)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company Marks</font><font style="font-family:inherit;font-size:12pt;">&#8221; means the Marks of Company set forth in Exhibit 0 and the Marks of Company for the Program, in each case, as such Marks may be modified or updated from time to time by Company.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(x)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company Specific User Interface</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 14.2.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(y)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 11.1.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(z)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Control</font><font style="font-family:inherit;font-size:12pt;">&#8221; means the occurrence of one or more of the following events: (i) a purchase, lease, or other acquisition of all or substantially all of the assets of a party; (ii) a purchase or other acquisition (including by way of merger, consolidation, share exchange, or otherwise) of securities representing fifty percent (50%) or more of the voting power of a party; or (iii) possession, directly or indirectly, of power to direct or cause the direction of management or policies (whether through ownership of securities or partnership or other ownership interests, by contract, or otherwise) of a party.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(aa)   &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Customer Activation Process</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10(d) of Exhibit D.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(bb)   &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Deposit Account</font><font style="font-family:inherit;font-size:12pt;">&#8221; shall have the meaning set forth in Section 3(1) of the Federal Deposit Insurance Act, 12 U.S.C. &#167; 1813(1), including, without limitation, demand deposit accounts, certificates of deposit, savings accounts, NOW accounts, individual retirement accounts and, to the extent applicable, omnibus deposit accounts and their subaccounts (as described in Federal Deposit Insurance Corporation General Counsel&#8217;s Opinion No. 8 &#8211; Insurability of Funds Underlying Stored Value Cards and Other Nontraditional Access Mechanisms).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(cc)   &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Digital Banking Platform</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10 of Exhibit D.</font></div><div style="line-height:220%;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(dd)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Discloser</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 11.1.</font></div><div style="line-height:220%;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ee)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Dispute</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 15.17(a).</font></div><div style="line-height:220%;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ff)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">DT</font><font style="font-family:inherit;font-size:12pt;">&#8221; means Deutsche Telekom AG.</font></div><div style="line-height:120%;padding-top:10px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(gg)   &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">DT Marks</font><font style="font-family:inherit;font-size:12pt;">&#8221; means the Marks of DT set forth in Exhibit 14.6, as such Marks may be modified or updated from time to time by Company.</font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(hh)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Durbin-Exempt Bank</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 8.1(l).</font></div><div style="line-height:224%;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)    &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Durbin Exemption</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 7.1(g).</font></div><div style="line-height:224%;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(jj)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">FDIC</font><font style="font-family:inherit;font-size:12pt;">&#8221; means the Federal Deposit Insurance Corporation.</font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(kk)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fee Audit</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 9.3.</font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></div><hr style="page-break-after:always"><div><a name="sFB035E1D880B512C99680319FB05179A"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;padding-left:78px;text-indent:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:224%;padding-top:6px;text-align:justify;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ll)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fee Auditor</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 9.3. </font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(mm) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fee Audit Report</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 9.3.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(nn)    &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fees</font><font style="font-family:inherit;font-size:12pt;">&#8221; means all banking revenue generated from the use of the T-Mobile Customer Accounts, including any Card usage, interchange and miscellaneous fees.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(oo)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Force Majeure Event</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 15.9.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(pp)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">GLBA</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 11.1.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(qq)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Implementation Fee</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 9.2.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(rr)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Indemnified Party</font><font style="font-family:inherit;font-size:12pt;">&#8221; means Bank or Company, as applicable.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ss)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Indemnifying Party</font><font style="font-family:inherit;font-size:12pt;">&#8221; means Bank or Company, as applicable.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(tt)     &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Initial Card Credentials</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10(c) of Exhibit D.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(uu)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Initial Term</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.1.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(vv)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Interchange Fee Limits</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 7.1(g). </font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ww) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Invoice Receipt Date</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 9.4.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(xx)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Issuer Network Assessment</font><font style="font-family:inherit;font-size:12pt;">&#8221; means domestic assessments, cross-border volume fees, transaction processing fees, and other related fees, net of rebates and incentives, assessed by the payment card or ATM networks (or any similar entities) on Bank for providing transaction processing and other payment-related products and services.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(yy)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Joint Governance Committee</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 15.4(a).</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(zz)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Joint Roadmap</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 15.4(b).</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(aaa)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Launch Date</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 6.1.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(bbb)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Losses</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 13.3.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ccc)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Marks</font><font style="font-family:inherit;font-size:12pt;">&#8221; means the trademarks, service marks, trade names, trade dress, designs, domain names, color combination, insignia, and logos (including graphic and color configurations) of a Party.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ddd)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Marketing Data</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 11.3.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(eee)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Material Subcontractor</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 5.1(d).</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(fff)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Minimum Service Approval Rating</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4</font></div></div><hr style="page-break-after:always"><div><a name="s9BD2883CFD6E58F58CF304E792845635"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;padding-left:78px;text-indent:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Section 10.2(a)(iv).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ggg) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Mobile Application</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10(c) of Exhibit D.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(hhh) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Mobile Network Operator</font><font style="font-family:inherit;font-size:12pt;">&#8221; means any providers of wireless services, wireless carriers, cellular companies, or mobile network carriers, including, but not limited to, Verizon, AT&amp;T, and Sprint, in each case, including any affiliates and subsidiaries.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)       &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Mobile Offering</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10(a) of Exhibit D.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(jjj)    &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Mobile Wallets</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10(c) of Exhibit</font></div><div style="line-height:138%;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">D.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(kkk) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Modified Transition Assistance Period</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in</font></div><div style="line-height:120%;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Section 10.2(b).</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:129px;text-indent:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(lll)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">NACHA</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 7(a)(i) of Exhibit D. </font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(mmm)&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Net Interchange Fees</font><font style="font-family:inherit;font-size:12pt;">&#8221; 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has the meaning ascribed to such term in Section 7(c)(iii) of Exhibit D. 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(ttt)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Recipient</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 11.1.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(uuu)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Recipient Third Parties</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 11.2.</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(vvv) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Regulatory Audit</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 3.4(c). </font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(www) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Regulatory Authority</font><font style="font-family:inherit;font-size:12pt;">&#8221; means, as the context requires, the Office of the Comptroller of the Currency; the FDIC; the Federal Reserve Board; the Consumer Financial Protection Bureau; the Federal Trade Commission; the Financial Crimes Enforcement Network; and any other international, foreign, federal or state regulator or agency having jurisdiction over Bank or Company.</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div></div><hr style="page-break-after:always"><div><a name="s536B1BDB529758CCB27DFAA1D64B472B"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;padding-left:78px;text-indent:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(xxx) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Rejection Notice</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10(e) of Exhibit D.</font></div><div style="line-height:224%;text-align:justify;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(yyy)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Renewal Term</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.1.</font></div><div style="line-height:224%;text-align:justify;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(zzz)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Sale Option</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.5(a).</font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(aaaa)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Sale Option Notice</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.5(a).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(bbbb) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Sensitive Customer Information</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 11.1.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(cccc) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Service Level</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Exhibit C.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(dddd) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Solicitation Materials</font><font style="font-family:inherit;font-size:12pt;">&#8221; means any advertising, promotional, marketing, and other similar materials describing the Program.</font></div><div style="line-height:120%;padding-top:13px;text-align:left;padding-left:136px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(eeee) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Successor Institution</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.5(a). </font></div><div style="line-height:120%;padding-top:13px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ffff)  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Supervisory Objection</font><font style="font-family:inherit;font-size:12pt;">&#8221; means (i) an objection, verbally or in writing, raised by a Regulatory Authority having supervisory authority over Bank that expresses the Regulatory Authority&#8217;s opinion that one or more provisions of this Agreement constitute a violation of Applicable Law or is unsafe or unsound, (ii) any cease-and-desist or other similar formal written order of a Regulatory Authority, or (iii) a written directive by a Regulatory Authority to cease or materially limit performance of the obligations under this Agreement; provided, that, notwithstanding anything to the contrary, a determination by the FDIC that the T-Mobile Customer Accounts constitute Broker Deposits shall not be considered to be a Supervisory Objection for purposes of the Agreement.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(gggg) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Supervisory Objection Notice</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section</font></div><div style="line-height:136%;text-align:left;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">8.1(n).</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(hhhh) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">T-Mobile Customer</font><font style="font-family:inherit;font-size:12pt;">&#8221; means a customer of Company that uses the T-Mobile</font></div><div style="line-height:120%;text-align:left;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Financial Services.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iiii) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">T-Mobile Customer Account</font><font style="font-family:inherit;font-size:12pt;">&#8221; means the Deposit Account(s) of a T-Mobile Customer in connection with the T-Mobile Customer&#8217;s participation in the Program and receipt and use of the T-Mobile Financial Services that is held at Bank and that is subject to an Account Agreement between Bank and the T-Mobile Customer.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(jjjj) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">T-Mobile Financial Services</font><font style="font-family:inherit;font-size:12pt;">&#8221; means the products, services, features, and functionality set forth on Exhibit F.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(kkkk) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">T-Mobile Retailer</font><font style="font-family:inherit;font-size:12pt;">&#8221; means any Company-owned T-Mobile location and/or any T- Mobile dealer location, as determined by Company from time to time.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(llll)&#160;&#160;&#160;&#160;&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Term</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.1.</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6</font></div></div><hr style="page-break-after:always"><div><a name="s8CD1761615C9579DBB10D3147B9808A6"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;padding-left:78px;text-indent:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(mmmm) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Transition Assistance Period</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.4(a).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(nnnn) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Transition Assistance Services</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.4(a).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(oooo) &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Wind-Down Costs</font><font style="font-family:inherit;font-size:12pt;">&#8221; has the meaning ascribed to such term in Section 10.3.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:126px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">2.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">GENERAL DESCRIPTION OF PROGRAM</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">2.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Purpose</font><font style="font-family:inherit;font-size:12pt;">. The Program established pursuant to this Agreement will allow customers of Company, through Bank&#8217;s standard and customized technology and financial products and services (including the establishment of T-Mobile Customer Accounts, the issuance of Cards and other financial products and services, as further described herein), to receive and use the T-Mobile Financial Services.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">2.2</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Development and Implementation of Program</font><font style="font-family:inherit;font-size:12pt;">. Bank shall develop and implement the Program in accordance with this Agreement, including Exhibits A, B, C, D, E, F, G, H, I, and J, which exhibits are hereby incorporated into and made a part of this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">MARKETING; DUTIES OF COMPANY; JOINT RESPONSIBILITIES</font></div></td></tr></table><div style="line-height:120%;padding-top:14px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Marketing</font><font style="font-family:inherit;font-size:12pt;">. Bank acknowledges that Company may promote and market the Program to prospective T-Mobile Customers from time to time. Company agrees that it will promote and market the Program in accordance with Applicable Law and this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">[***]. The terms and conditions applicable to each T-Mobile Customer Account offered pursuant to the Program shall be mutually agreed upon by Bank and Company prior to the implementation of the Program and shall be set forth in an Account Agreement between Bank and each T-Mobile Customer (as updated from time to time in accordance with this Agreement, the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Account Terms and Conditions</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  [***].  Notwithstanding the foregoing, Company acknowledges that Bank is subject to certain regulatory obligations under Applicable Law and, as such, Bank shall have final authority on certain components of the Account Terms and Conditions that implicate Applicable Law. Bank agrees that, during the Term, Bank will provide Company with the Account Terms and Conditions and with any updates or modifications to the Account Terms and Conditions promptly; provided, that, prior to implementing any updated or modified Account Terms and Conditions, Bank shall obtain Company&#8217;s approval so long as such updates or modifications are not required by Applicable Law, in which case Bank shall not be required to obtain Company&#8217;s approval.  Bank shall enter</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7</font></div></div><hr style="page-break-after:always"><div><a name="s21B6270CEF945F17937F4ECEC6ADA62C"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">into an Account Agreement with each T-Mobile Customer that elects to participate in the Program, subject to Bank&#8217;s usual and customary account opening procedures. Bank represents, warrants, and covenants that the account opening procedures for T-Mobile Customers in connection with the Program will be substantially similar to the account opening procedures Bank uses for all other prospective consumer checking - and savings - account customers of Bank.</font></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Company will submit all proposed Solicitation Materials (and ongoing changes to same) to Bank for review and written approval prior to the release or use of such Solicitation Materials in the marketplace for the purpose of allowing Bank to review such Solicitation Materials to ensure that they comply with Applicable Law with respect to financial services under this Agreement. Bank shall review any Solicitation Materials and notify Company of its decision with respect to such Solicitation Materials within a commercially reasonable period of time; provided, that for Solicitation Material less than [***], Bank will reply within [***] following Bank&#8217;s receipt of such Solicitation Materials. Bank may only reject the use of Solicitation Materials if Bank reasonably determines that such Solicitation Materials are likely to cause Bank or Company to violate Applicable Law. Company agrees that it will make any changes, on a prospective basis, in such terms, manner and conditions that the Bank deems reasonably necessary to comply with Applicable Law and Regulatory Authority guidance. In addition, Bank shall have the right to object to any Solicitation Materials that Bank believes will negatively affect Bank&#8217;s reputation, and Company agrees to consider such objection in good faith and to add a mutually agreed upon disclosure to address Bank&#8217;s specific reputational concerns. Notwithstanding the foregoing, it is expressly understood that Bank&#8217;s review and approval or rejection of the Solicitation Materials shall be for Bank&#8217;s own independent purposes and Bank&#8217;s approval of Solicitation Materials shall not constitute a certification to Company of any kind, other than to grant Company permission to use such Solicitation Materials pursuant to this Section 3.1(b). It is further understood that Bank shall have the right to withdraw approval of any previously approved Solicitation Material in the event of a change in Applicable Law or court decision related to the Solicitation Materials that adversely reflects on the Solicitation Materials or upon written or verbal direction of any Regulatory Authority with supervisory authority over Bank or the Solicitation Materials. Bank and Company shall cooperate to ensure that all Solicitation Materials comply with all applicable payment card network (e.g., Visa, Mastercard, etc.) guidelines, policies and rules.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.2</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank Secrecy Act Compliance</font><font style="font-family:inherit;font-size:12pt;">.  Company will reasonably cooperate with Bank,  as mutually agreed by the Parties, in the implementation of Bank&#8217;s anti-money laundering and anti-terrorism financing compliance program (as modified from time to time, the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AML Program</font><font style="font-family:inherit;font-size:12pt;">&#8221;) in accordance with Applicable Law, including in connection with Bank&#8217;s implementation of such commercially reasonable policies and procedures, and modifications to the Program, that may be required by Applicable Law. Company will reasonably cooperate with Bank, as mutually agreed by the Parties, in the implementation of measures to allow Bank to verify the identity of all T-Mobile Customers and prospective T-Mobile Customers consistent with Applicable Law.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.3</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program and Compliance Training</font><font style="font-family:inherit;font-size:12pt;">. Company shall, or shall permit Bank to, train representatives of Company that will be involved in the marketing, promotion, or implementation of the Program.  The Parties agree that the training shall be conducted</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8</font></div></div><hr style="page-break-after:always"><div><a name="sFA1CF52FFF245EA7983FDBB96A2590A0"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">periodically as mutually agreed by the Parties, [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.4</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Recordkeeping; Reporting; and Audit Rights</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Bank will keep and maintain complete records reflecting the identity of each T- Mobile Customer and the steps taken to verify the identity of each T-Mobile Customer, if verification is required under Applicable Law or this Agreement. With respect to each T- Mobile Customer Account, Bank shall retain all required records for the time period required by Applicable Law and shall retain records for no less than five (5) years after the closure of a T- Mobile Customer Account or the termination of this Agreement, whichever is earlier.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)&#160;&#160;&#160;&#160;Each Party reserves the right, at its own expense to inspect, copy and audit the other Party, including any records of the other Party directly relating to the other Party&#8217;s performance hereunder, including Company&#8217;s right to perform technology assessments on Bank&#8217;s technology architecture and to provide input to Bank in connection therewith. Any such audit will be conducted at mutually agreed upon times, upon reasonable prior written notice (but in no event on, less than thirty (30) business days&#8217; written notice), and in a manner designed to minimize any disruption to the other Party&#8217;s normal business activities; provided, however, that in agreeing to times for the audit, the other Party shall be reasonable in scheduling the audit. The Parties shall reasonably cooperate and accommodate each other in connection with audit requests. The Parties agree that the audit rights hereunder will be exercised during normal business hours and no more than once in any twelve (12) month period, except that a Party shall be entitled to additional audits (but in no event more frequently than quarterly) if: (i) critical issues were identified in a previous audit (including any non-compliance with this Agreement); (ii) there is a material change to the business or financial condition of either Party; or (iii) there is a material increase in regulatory scrutiny of Bank or the Program. The Parties agree that upon the occurrence of (i), (ii) or (iii), the Parties will provide reasonable updates in connection with such issues. If a Party is entitled to conduct such additional audits pursuant to (i), (ii) or (iii) and such additional audits relate solely to a contractual issue between the Parties, the reasonable cost of such additional audits shall be borne by Bank; provided, that, Company shall not conduct an additional audit if (w) the additional audit relates to regulatory issues at Bank, (x) a Regulatory Authority is auditing Bank in connection with such regulatory issues for which Company is entitled to conduct the additional audit (such audit, a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Regulatory Audit</font><font style="font-family:inherit;font-size:12pt;">&#8221;), (y) Bank is permitted to and does provide Company with information in connection with the Regulatory Audit, and (z) Bank keeps Company reasonably apprised of the developments in connection with the Regulatory Audit through the conclusion of such Regulatory Audit. Each Party may engage a third party to conduct an audit of the other Party in accordance with this Section 3.4(c); provided, that the Party electing to engage a third party to conduct such an audit shall</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9</font></div></div><hr style="page-break-after:always"><div><a name="s1F29640E4E4255F5969FD3DCB4215BFE"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">ensure that an audit report is prepared by the third party and a copy of the audit report is made available to the audited Party.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.5</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Account Marketing Locations</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:left;text-indent:48px;"><font style="text-align:left;font-family:inherit;font-size:12pt;padding-right:40px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Accounts may be marketed by Company [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.6</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Company will work with Bank to develop and refine certain financial products and services, as well as technology enhancements, in connection with the Program.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.7</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.8</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.9</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Company agrees that any branding, notices or statements that are required by Applicable Law shall include the name or trademark of the Bank.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3.10</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">4.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">REPRESENTATIONS AND WARRANTIES OF COMPANY</font></div></td></tr></table><div style="line-height:121%;padding-top:16px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">4.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Representations and Warranties</font><font style="font-family:inherit;font-size:12pt;">. Company represents and warrants to Bank as follows:</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">This Agreement is valid, binding and enforceable against Company in accordance with its terms, except as such enforceability may be limited by laws governing creditors&#8217; rights and general principles of equity.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Company is a corporation duly formed, validly existing and in good standing under the laws of the State of Delaware and is duly qualified and is properly licensed to do business in each jurisdiction in which the nature of Company&#8217;s activities makes such authorization or licensure necessary. Neither the execution of this Agreement nor Company&#8217;s performance of its obligations hereunder requires any consent, authorization, approval, notice to, license, or other action by or in respect of, or filing with, any third party or any Regulatory Authority.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Company has the full power and authority to execute and deliver this Agreement and to perform all of its obligations under this Agreement.  The provisions of this Agreement</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10</font></div></div><hr style="page-break-after:always"><div><a name="s46A1F16BD61455DDB3482202B5A84251"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">and the performance by Company of its obligations under this Agreement are not in conflict with Company&#8217;s documents of formation or operation, or any other agreement, contract, lease or obligation to which Company is a party or by which it is bound.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Company has not been subject to the following, in each case, that would  materially adversely affect Company&#8217;s ability to exercise its rights or perform its obligations hereunder:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:10px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:224px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">any criminal conviction (except minor traffic offenses and other petty offenses) in the United States of America or in any foreign country;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:224px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">any federal or state tax lien, or any foreign tax lien;</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">any administrative or enforcement proceedings commenced by the Securities and Exchange Commission, any state securities regulatory authority, the Federal Trade Commission, federal or state bank regulator, or any other state or federal regulatory agency in the United States or in any other country; or</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iv)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">any restraining order, decree, injunction, or judgment in any proceeding or lawsuit, alleging fraud or deceptive practice on the part of Company.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(e)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">There is not pending or threatened against Company any litigation or proceeding, judicial, tax or administrative, the outcome of which might materially adversely affect the ability of the Company to perform its obligations hereunder.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">5.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">COVENANTS OF COMPANY</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">5.1&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Covenants</font><font style="font-family:inherit;font-size:12pt;">.  Company covenants and agrees with Bank as follows:</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Company will perform its obligations under this Agreement in accordance with Applicable Law.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;">Subject to Section 8.1(b), Company will obtain and maintain appropriate licenses with respect to any trademarks and copyrights required for Company in connection with this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(c)</font><font style="font-family:inherit;font-size:12pt;">[***].</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(d)</font><font style="font-family:inherit;font-size:12pt;">Company will not, without Bank&#8217;s prior written consent, outsource or otherwise subcontract with third parties for the provision of any of its material obligations (each, a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Material Subcontractor</font><font style="font-family:inherit;font-size:12pt;">&#8221;) in connection with the delivery of the T-Mobile Financial Services. Bank shall have the right to conduct due diligence on a Material Subcontractor at Bank&#8217;s reasonable discretion.  Bank&#8217;s review and approval of a Material Subcontractor shall not be</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11</font></div></div><hr style="page-break-after:always"><div><a name="sDA67C66127E45CAC920A0F0BBA91DB6F"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">unreasonably withheld, conditioned or delayed; provided, that, in any case, Bank shall review and approve or reject a Material Subcontractor within fourteen (14) days. However, any such consent of assignment of Company&#8217;s obligations hereunder shall not release Company of its obligations to Bank under this Agreement, and Company shall remain fully liable to Bank for any breach of this Agreement caused by a subcontractor or third party retained by Company. [***]. If a dispute arises in connection with the designation of a third- party service provider as a Material Subcontractor, the Parties agree that the dispute shall be referred to the Joint Governance Committee for resolution and, if the Joint Governance Committee is unable to resolve the issue, the dispute shall be referred to the Advisory Board for resolution in accordance with Section 15.4(c); provided, that, Company may use the third-party service provider during the Joint Governance Committee&#8217;s and Advisory Board&#8217;s consideration of the issue. At Bank&#8217;s request, Company shall provide, at least once annually, a list of all Material Subcontractors utilized by Company in connection with this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(e)</font><font style="font-family:inherit;font-size:12pt;">Company agrees that any Regulatory Authority with supervisory authority over Bank (an &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Auditing Party</font><font style="font-family:inherit;font-size:12pt;">&#8221;) shall have the right, consistent with the Regulatory Authority&#8217;s customary practices and procedures for the review of third-party relationships, [***]. Such audit, inspection or examination shall be at Bank&#8217;s sole expense (including any costs and expenses incurred by Company in connection with such audit, inspection or examination), during regular business hours of Company, on reasonable notice, and conducted in a manner so as to not interfere with Company&#8217;s normal business operations.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(f)</font><font style="font-family:inherit;font-size:12pt;">Bank and Company will reasonably cooperate in the implementation of commercially reasonable measures designed to meet the objectives of the security and confidentiality guidelines published by various Regulatory Authorities that are applicable to Bank and the Program including, but not limited to, the implementation of appropriate policies, procedures, and other measures designed to protect against unauthorized access to or use of customer information maintained by Company in connection with the Program that could result in substantial harm or inconvenience to any T-Mobile Customer and the proper disposal of T- Mobile Customer information in connection with the Program. Company shall further  cooperate with Bank in implementing a response program in connection with the Program which may require Company to take commercially reasonable actions to address incidents of unauthorized access to T-Mobile Customer Accounts or other information, including notification to Bank and T-Mobile Customers as soon as possible following any such incident. Company shall ensure that, to the extent any third-party service provider engaged by Company has access to T-Mobile Customer Account information, such third-party service provider shall</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12</font></div></div><hr style="page-break-after:always"><div><a name="s05D4891AEB2D58A79B21C7065B0BBCA8"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">be obligated to safeguard such information to the same extent as Company.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(g)</font><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">6.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">DUTIES OF BANK</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">6.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall administer the Program and provide the T-Mobile Financial Services in accordance with this Agreement (including Exhibit D). Bank shall use commercially reasonable efforts to [***]. The Parties acknowledge that the offering of the Program in [***] is subject to regulatory approval, provided, that Bank shall use best efforts to obtain such regulatory approval. The Launch Date shall be adjusted to the extent Company requests changes to the Program which result in implementation delays. For purposes of clarity, Exhibit D hereto sets forth the financial products and services that Bank must provide in connection with the Program and the terms and conditions applicable to the provision of such products and services.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">6.2</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">In addition to Bank&#8217;s other duties and obligations under this Agreement, Bank shall be responsible for developing and maintaining the technology and operations in connection with the Program and for delivering the T-Mobile Financial Services and Cards, and shall bear all responsibility for and pay all normal expenses of the operations, except as otherwise described in this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">7.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">REPRESENTATIONS AND WARRANTIES OF BANK</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">7.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Representations and Warranties</font><font style="font-family:inherit;font-size:12pt;">. Bank represents and warrants to Company as follows:</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">This Agreement is valid, binding and enforceable against Bank in accordance with its terms, except as such enforceability may be limited by laws governing creditors&#8217; rights and general principles of equity.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank is a state bank, validly chartered and in good standing under the laws of the Commonwealth of Pennsylvania, and is duly qualified and is properly licensed to do business in each jurisdiction in which the nature of Bank&#8217;s activities, including in connection with this Program, makes such authorization or licensure necessary. Neither the execution of this Agreement nor Bank&#8217;s performance of its obligations hereunder requires any consent, authorization, approval, notice to, license, or other action by or in respect of, or filing with, any third party or any Regulatory Authority.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank has the full power and authority to execute and deliver this Agreement and to perform all its obligations under this Agreement.  The provisions of this Agreement and the</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13</font></div></div><hr style="page-break-after:always"><div><a name="s1EF2585D829F57349A47CF7137F24D88"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">performance by Bank of its obligations under this Agreement are not in conflict with Bank&#8217;s charter, bylaws or any other agreement, contract, lease or obligation to which Bank is a party or by which it is bound.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank is not subject to any order, judgment, decree, or any other legal or regulatory action that could impede, impair, or prevent Bank from fulfilling all of its obligations under this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(e)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">Neither Bank nor any principal of Bank has been subject to the following:</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(i)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">any criminal conviction (except minor traffic offenses and other petty offenses} in the United States of America or in any foreign country;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:224px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">any federal or state tax lien, or any foreign tax lien;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">any administrative or enforcement proceedings commenced by the Securities and Exchange Commission, any state securities regulatory authority, the Federal Trade Commission, federal or state bank regulator, or any other state or federal regulatory agency in the United States or in any other country; or</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iv)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">any restraining order, decree, injunction, or judgment in any proceeding or lawsuit, alleging fraud or deceptive practice on the part of Bank or any principal thereof.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(f)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">There is not pending or threatened against Bank any litigation or proceeding, judicial, tax or administrative, the outcome of which might materially adversely affect the continuing operations of Bank.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(g)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">As of the date of this Agreement, Bank qualifies for the small issuer exemption pursuant to 12 C.F.R. &#167; 235.5(a) (as modified or amended from time to time, the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Durbin Exemption</font><font style="font-family:inherit;font-size:12pt;">&#8221;) and Card activity in connection with the Program is not subject to the cap on interchange fees pursuant to 12 C.F.R. &#167; 235.3, (as modified or amended from time to time, the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Interchange Fee Limits</font><font style="font-family:inherit;font-size:12pt;">&#8221;).</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">8.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">COVENANTS OF BANK</font></div></td></tr></table><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">8.1&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Covenants</font><font style="font-family:inherit;font-size:12pt;">. Bank covenants and agrees with Company as follows:</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Bank will perform its obligations under this Agreement in accordance with Applicable Law.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;">[***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:177px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(c)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank will obtain and maintain appropriate licenses with respect to any</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14</font></div></div><hr style="page-break-after:always"><div><a name="s648224F90C015703A4C1C7650FE22A14"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">trademarks, copyrights and patents required or reasonably necessary for Bank in connection with this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(d)</font><font style="font-family:inherit;font-size:12pt;">To the extent permitted by Applicable Law, Bank will promptly give written notice to Company of any material change in the business operations (including Bank&#8217;s compliance programs) or condition, financial or otherwise, of Bank if such material change is reasonably likely to affect Bank&#8217;s ability to perform its obligations hereunder.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(e)</font><font style="font-family:inherit;font-size:12pt;">In the event Bank receives notice of a complaint regarding the Program from any third party, including any state or federal regulator, consumer protection or advocacy agency, or other similar party, Bank shall, subject to any restrictions or provisions of Applicable Law and any obligation to maintain the confidentiality of such complaint or communication, promptly forward such complaint to Company and shall review, investigate, and resolve such complaint.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(f)</font><font style="font-family:inherit;font-size:12pt;">Bank will, to the extent permitted by Applicable Law, promptly notify Company upon becoming aware of (i) any formal regulatory investigation, regulatory inquiry, enforcement action, or the like involving Bank or in connection with the Program (provided that the foregoing shall not apply to any informal regulatory discussions or informal audits conducted in the ordinary course of Bank&#8217;s business), or (ii) any order, judgment, decree, or any other legal or regulatory action that could affect the Program, and Bank will provide, to the extent permitted by Applicable Law and upon Company&#8217;s reasonable request, any information and materials requested by Company in connection therewith.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(g)</font><font style="font-family:inherit;font-size:12pt;">Bank will make available, at least once annually, a reasonable summary of the Bank&#8217;s risk assessments in connection with the Program and will give Company the option, at least once annually, to review the risk assessments in their entirety at the Bank&#8217;s offices.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(h)</font><font style="font-family:inherit;font-size:12pt;">Bank will not, without providing at least ninety (90) days&#8217; prior written notice to Company, outsource or otherwise subcontract with third parties for the provision of any of its obligations under this Agreement. Company shall have the right to conduct due diligence on all new third-party service providers at its reasonable discretion prior to Bank&#8217;s use of any third- party service provider in connection with this Agreement. Notwithstanding anything to the contrary, Bank&#8217;s use of any third party-service provider to perform any of Bank&#8217;s obligations under this Agreement shall not release Bank of its obligations to Company under this Agreement, and Bank shall remain fully liable to Company for any breach of this Agreement caused by any third-party service provider retained by Bank. Notwithstanding anything to the contrary, Company hereby approves the third-party service providers set forth on Schedule 8.1(i)(h).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(i)</font><font style="font-family:inherit;font-size:12pt;">Bank will implement commercially reasonable measures designed to meet the objectives of the security and confidentiality guidelines published by various Regulatory Authorities relevant to the Program, including, but not limited to, the implementation of appropriate policies, procedures, and other measures designed to protect against unauthorized access to or use of customer information maintained by Bank in connection with the Program that could result in substantial harm or inconvenience to any T-Mobile Customer and the proper disposal of T-Mobile Customer information in connection with the Program. Bank shall further implement a response program in connection with the Program consistent with the requirements</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15</font></div></div><hr style="page-break-after:always"><div><a name="s8AD0EA83BB13587984BC9BE88F6B6E1E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">of its Regulatory Authority, including, without limitation, notification to Company and affected T-Mobile Customers as soon as reasonably possible following any such incident. Bank shall ensure that any third-party service provider having access to T-Mobile Customer information is obligated to cooperate in the implementation of similar security measures and response programs.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(j)</font><font style="font-family:inherit;font-size:12pt;">Bank will, at all times, comply with the obligations set forth in Exhibit J [Security Safeguards, Company Information, and Cardholder Information] hereto. In the event of any conflict between the terms and conditions of this Agreement and the terms and conditions of Exhibit J with respect to the subject matter thereof, the terms and conditions set forth in Exhibit J shall control.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(k)</font><font style="font-family:inherit;font-size:12pt;">Bank shall, while this Agreement is in effect, prepare and maintain disaster recovery, business resumption, and contingency plans in connection with the Program consistent with the requirements of its Regulatory Authority. Bank shall periodically test such disaster recovery, business resumption, and contingency plans as may be appropriate and prudent in light of the nature and scope of the activities and operations of Bank and its obligations hereunder and shall promptly provide Company with a summary of the results of any such tests.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(l)</font><font style="font-family:inherit;font-size:12pt;">If, at any time during the Term, Bank no longer qualifies for the Durbin Exemption, Bank will use best efforts to consummate a transaction pursuant to which a financial institution that qualifies for the Durbin Exemption (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Durbin-Exempt Bank</font><font style="font-family:inherit;font-size:12pt;">&#8221;) will become the holder of the T-Mobile Customer Accounts and the issuer of Cards in connection with the Program; provided, that (i) the Durbin-Exempt Bank shall be reasonably acceptable to Company, (ii) the transition of the T-Mobile Customer Accounts to the Durbin-Exempt Bank shall not have any adverse impact on T-Mobile Customers, as determined by Company in its reasonable discretion; and (iii) Bank shall ensure that all of Bank&#8217;s obligations under this Agreement will continue to be honored in accordance with the terms of this Agreement without modification hereof. Notwithstanding the foregoing, any transaction with, or assignment to, a Durbin-Exempt Bank that is announced prior to the Beta Launch Date shall not require Company&#8217;s approval or consent as described in this Section 8.1(l)(i)-(ii). If Bank is unable to consummate such a transaction, then, notwithstanding anything to the contrary in this Agreement: (i) Bank will continue to operate and administer the Program and satisfy all of its obligations under this Agreement in accordance with the terms of this Agreement; and (ii) Bank will pay to Company, on a monthly basis, one-hundred percent (100%) of Net Interchange Fees for Card activity in connection with the Program during the period in which Bank is not eligible for the Durbin Exemption.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(m)</font><font style="font-family:inherit;font-size:12pt;">Subject to Company&#8217;s input and approval with respect to (i) the structure of the Program and the Sale Option, (ii) the financial institution that will hold the T-Mobile Customer Accounts and any deposits received by Bank for T-Mobile Customer Accounts, and (iii) any other term or condition Company deems relevant, [***].</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div></div><hr style="page-break-after:always"><div><a name="sF07A2E1CF58E5B21861B3115BD7E4799"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-left:88px;padding-top:6px;text-align:justify;text-indent:48px;"><font style="padding-top:6px;text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(n)</font><font style="font-family:inherit;font-size:12pt;">In the event of any Supervisory Objection, Bank will promptly notify Company in writing of such Supervisory Objection (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Supervisory Objection Notice</font><font style="font-family:inherit;font-size:12pt;">&#8221;) and such Supervisory Objection Notice will describe, in sufficient detail, the nature of the Supervisory Objection and the extent to which the Supervisory Objection could affect the Program. In the case of a written Supervisory Objection, Bank shall provide the Supervisory Objection Notice along with a copy of the written Supervisory Objection, except as prohibited by Applicable Law. Prior to implementing any change to the Program in connection with any Supervisory Objection, Bank shall use best efforts to meet and work with Company to resolve the Supervisory Objection by way of a mutually agreed-upon solution. Except as prohibited by Applicable Law, Bank shall provide Company with any information reasonably requested by Company in connection with any Supervisory Objection. In the event any Supervisory Objection directing Bank to terminate this Agreement is not in writing, Bank agrees to request, and use reasonable efforts to obtain, a written Supervisory Objection and to provide such written Supervisory Objection to Company. If Bank is unable to obtain a written Supervisory Objection directing Bank to terminate this Agreement, then Bank will use best efforts to facilitate a meeting among the Regulatory Authority and Bank to discuss the oral Supervisory Objection directing Bank to terminate this Agreement. If Bank is unable to (i) obtain a written Supervisory Objection and to provide such Supervisory Objection to Company or (ii) facilitate a meeting among the Regulatory Authority and Bank, then Bank shall provide an official letter from Bank&#8217;s board of directors that represents and warrants that Bank is subject to a Supervisory Objection that requires Bank to terminate this Agreement and that describes such Supervisory Objection in sufficient detail. Notwithstanding the foregoing, in no event shall Bank be required to provide documentation or information to the extent prohibited by Applicable Law.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(o)</font><font style="font-family:inherit;font-size:12pt;">Within thirty (30) days following the execution of this Agreement, Bank will complete Company&#8217;s information technology risk assessment. Bank will remediate any issue(s) identified in the information technology risk assessment to Company&#8217;s satisfaction prior to the Beta Launch Date; provided, that if Bank fails to remediate any such issue(s) to Company&#8217;s satisfaction prior to the Beta Launch Date, Company may terminate this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">9.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PROGRAM REVENUES AND COMPENSATION</font></div></td></tr></table><div style="line-height:120%;padding-top:16px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">9.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program Revenues</font><font style="font-family:inherit;font-size:12pt;">. Each Party will be entitled to and responsible for those fees and charges as set forth in Exhibit B hereto [Fee Schedule]. Except for those fees expressly set forth in this Agreement (including Exhibit B), Bank shall not impose any other fees on Company in connection with this Agreement. The Parties acknowledge and agree that the [***]. At any time, if Bank and Company agree upon additional services from Bank, the Parties will negotiate in good faith to determine the pricing for such additional services.  Company shall be entitled to compensation as set forth on Exhibit</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17</font></div></div><hr style="page-break-after:always"><div><a name="s7C7A749C5D6E593A8F8F5C72EF5A3141"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">A hereto.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">9.2</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Implementation Fee</font><font style="font-family:inherit;font-size:12pt;">. Company agrees to pay a fee in the amount of [***] to Bank for the development, design, and creation of the Program (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Implementation Fee</font><font style="font-family:inherit;font-size:12pt;">&#8221;). The Implementation Fee shall be paid in increments according to the following schedule: [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">9.3</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program Fees</font><font style="font-family:inherit;font-size:12pt;">. Bank shall maintain fees for the Program that are, in the aggregate, at or below industry standards relative to private-label banking programs administered by other banks. Bank agrees that, at all times, the fees imposed on Company in connection with the Program (including, without limitation, the fees set forth on Exhibit B), shall, in the aggregate, be at least as favorable to Company as the fees charged by Bank in connection with any other private-label banking program administered by Bank. Bank shall, at least once annually at the expense of Bank, engage a qualified, mutually agreed upon third party (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fee Auditor</font><font style="font-family:inherit;font-size:12pt;">&#8221;) to review and compare the fees charged by Bank in connection with the Program (including, without limitation, the fees set forth on Exhibit B) with the fees imposed by banks, generally, in connection with administering private-label banking programs (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fee Audit</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Bank shall cause the Fee Auditor to prepare a report that details the Fee Auditor&#8217;s findings (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fee Audit Report</font><font style="font-family:inherit;font-size:12pt;">&#8221;) and to provide a copy of the Fee Audit Report to Company within thirty (30) days of completing the Fee Audit. If the Fee Audit Report indicates that Bank is imposing fees on Company in connection with the Program in the aggregate in excess of fees imposed by other banks in connection with private-label banking programs, then Bank shall formulate a plan for Bank to satisfy its obligations under this Section 9.3, which plan shall be subject to Company&#8217;s approval.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">9.4</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fees Payable to Bank</font><font style="font-family:inherit;font-size:12pt;">.  Company will remit all undisputed fees to Bank within sixty (60) days after an invoice is uploaded into Company&#8217;s accounts payable system (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Invoice Receipt Date</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  Bank agrees that Bank waives any rights to any Charges payable under this Agreement that are not invoiced by Bank to Company within one-hundred eighty (180) days after the provision of services.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Company will notify Bank of any disputed fees in writing.  Bank and Company will attempt in good faith to resolve any disputed amounts. If Company agrees to pay all or a portion of a disputed amount, Bank will re-invoice that amount. Company will pay all such re- invoiced amounts to Bank within sixty (60) days after the reissued invoice is uploaded into Company&#8217;s accounts payable system. For the avoidance of doubt, the date on which any re- issued invoice uploaded into Company&#8217;s accounts payable system will be deemed to be the Invoice Receipt Date.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">All invoices will follow Company&#8217;s invoicing standards. At a minimum, each invoice issued by Bank to Company must be in a form and content reasonably acceptable to Company and meet the requirements in this Agreement. Each invoice must contain details describing the basis for the requested payment, including a description of the services performed and such other details as may be reasonably necessary to explain the charges in the</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18</font></div></div><hr style="page-break-after:always"><div><a name="s0C0DB28D1DEC56E7BD70646A7BE1610E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">invoice. Bank will furnish such receipts, documents and other supporting materials as Company reasonably may request to verify the charges set forth in any invoice. Bank agrees that any terms or conditions included on the invoice that are in conflict with this Agreement are null and void.</font></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Electronic Payments</font><font style="font-family:inherit;font-size:12pt;">.  Company will issue all payments to Bank via ACH through Company&#8217;s electronic payment system. Bank will enroll in Company&#8217;s electronic payment system in order to receive payments. Bank will provide a point of contact and follow enrollment instructions provided by Company to enroll in the electronic payment system.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">9.5</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fees Payable to T-Mobile</font><font style="font-family:inherit;font-size:12pt;">. Bank will remit all amounts to Company via ACH on a monthly basis as described in Exhibit A within fifteen (15) days of issuing the monthly report.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">10.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">TERM OF AGREEMENT; TERMINATION; TRANSITION OF T-MOBILE CUSTOMERS; EXCLUSIVITY</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">10.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Initial Term and Renewal Terms</font><font style="font-family:inherit;font-size:12pt;">. The term of this Agreement shall commence as of the Effective Date, and shall continue for a period of three (3) years (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Initial Term</font><font style="font-family:inherit;font-size:12pt;">&#8221;), unless terminated earlier in accordance with this Agreement. Company may extend this Agreement for an additional two-year (2-year) period (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Renewal Term</font><font style="font-family:inherit;font-size:12pt;">&#8221;) by providing written notice to Bank prior to the end of the Initial Term. The Initial Term and the Renewal Term may be referred to herein as the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Term</font><font style="font-family:inherit;font-size:12pt;">.&#8221;</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">10.2</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Termination of Agreement</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:121%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Generally</font><font style="font-family:inherit;font-size:12pt;">. In addition to any other termination rights under this Agreement, this Agreement may be terminated as follows:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:224px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">At any time, upon the mutual written consent of the Parties;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(ii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">By either Party, upon written notice, in the event of a material breach of this Agreement by the other Party if the breaching Party fails to cure such material breach within thirty (30) days following written notice from the non-breaching Party that specifies the nature and circumstances of the material breach;</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">By Bank, upon one-hundred eighty (180) days&#8217; prior written notice (or such shorter period as required by a Regulatory Authority) and subject to Section 8.1(n), in the event of a Supervisory Objection that requires Bank to terminate this Agreement;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iv)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">By Company, upon written notice, if Bank fails to use best efforts to maintain a product approval (net of service-related commitments not tied to product) and/or review ratings [***] in the various application stores [***] (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Minimum Service Approval Rating</font><font style="font-family:inherit;font-size:12pt;">&#8221;) during the Term;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:224px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(v)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">By Company, upon written notice, if Bank fails to maintain the Minimum</font></div></td></tr></table><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19</font></div></div><hr style="page-break-after:always"><div><a name="sB705A1F038FC52D58B3C7AFE0A6D4EE9"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:225px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Service Approval Rating of [***] in any application store [***] during the Term;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(vi)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">By Company, upon written notice, if Bank fails to deliver the agreed-upon products, services, features, and functionality outlined in Exhibit F within the timeline established therein;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(vii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">By Company, upon written notice, if Company does not approve the acceptance testing of the Beta Version due to any disagreement between the Parties in connection with the products and features in the Program and Bank fails, within sixty (60) days after receiving the Rejection Notice from Company rejecting the acceptance testing of the Beta Version due to such disagreement, to remedy any issues identified in Company&#8217;s Rejection Notice to Bank; and</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(viii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">By Company, upon written notice, if the Program is or becomes unprofitable for Company, based on sufficient documentation provided by Company, during [***]; provided, that Company may not exercise this termination right until [***] of this Agreement.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Brokered Deposits Durbin Exemption</font><font style="font-family:inherit;font-size:12pt;">.  In addition to any other termination right under this Agreement, either of Company or Bank may terminate this Agreement in accordance with this Section 10.2(b) if the FDIC determines that the T-Mobile Customer Accounts constitute Brokered Deposits or if Bank, at any time during the Term, no longer qualifies for the Durbin Exemption and fails to consummate a transaction as contemplated by and in accordance with Section 8.1(l) or assign this Agreement to a Durbin-Exempt Bank subject to and in accordance with Section 15.12 and Section 8.1(l), respectively; provided, that (i) neither Party may exercise its right to terminate this Agreement pursuant to this Section 10.2(b) before July 1, 2018, and (ii) if either Party exercises its right to terminate this Agreement pursuant to this Section 10.2(b), then, notwithstanding anything to the contrary in this Agreement, Bank shall perform its obligations under this Agreement in accordance with the terms of this Agreement through June 30, 2019 (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Modified Transition Assistance Period</font><font style="font-family:inherit;font-size:12pt;">&#8221;). In the case of either of the foregoing, Company shall have the right to the Sale Option.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">10.3</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">The Parties agree that, notwithstanding anything to the contrary in this Agreement, any wind-down and/or de-conversion costs (collectively, the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Wind-Down Costs</font><font style="font-family:inherit;font-size:12pt;">&#8221;) in connection with any termination of this Agreement shall be borne by [***].</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20</font></div></div><hr style="page-break-after:always"><div><a name="s82FFB65C02BE53609E4A630AA4C5C12A"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:6px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">10.4</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Obligations upon Termination</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Transition Period and Assistance</font><font style="font-family:inherit;font-size:12pt;">. Upon expiration or termination of this Agreement for any reason, [***], Bank shall continue to perform its obligations under this Agreement for a period not to exceed twelve (12) months (or 18 months in the event of a termination by Company pursuant to Section 10.2(a)(ii)) of the expiration or termination date (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Transition Assistance Period</font><font style="font-family:inherit;font-size:12pt;">&#8221;); provided, that, Company may elect, in its sole discretion, to end the Transition Assistance Period at any time after one-hundred eighty (180) days. Notwithstanding anything to the contrary, if Bank is directed, pursuant to a Supervisory Objection, to terminate this Agreement, Bank shall use commercially reasonable efforts and work in good faith with Company and with the Regulatory Authority that issued the Supervisory Objection that directed Bank to terminate this Agreement to provide Transition Assistance Services (as defined below) as mutually agreed by the Parties and as permitted by the Regulatory Authority. During the Transition Assistance Period, Bank shall continue to perform its obligations under this Agreement in accordance with the terms and conditions specified herein and shall provide any and all assistance reasonably requested by Company to transition the Program to a Successor Institution pursuant to the Sale Option without degrading or interfering with (i) the Program, (ii) any of the services provided by Bank hereunder, or (iii) the business, operations, or systems of Company, including, without limitation: (1) any data migration to Company or Successor Institution with Regulatory Authority approval at Company&#8217;s option; and (2) any other commercially reasonable transition assistance services as are reasonably requested by Company (collectively, the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Transition Assistance Services</font><font style="font-family:inherit;font-size:12pt;">&#8221;). For the avoidance of doubt, Bank shall provide the Transition Assistance Services in accordance with this paragraph without regard to the reason for the termination of this Agreement and the Term of this Agreement shall not be deemed to have expired or terminated until the Transition Assistance Services have been completed; provided, that, Company shall not be subject to any minimum fees or similar financial obligations during any Transition Assistance Period. The Transition Assistance Services shall be provided as part of the Program at the rates specified herein; [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">Upon termination of this Agreement:</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(i)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">any undisputed amounts due and owing from one Party to the other Party shall be promptly paid in full; and</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(ii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">each Party shall return, upon the other Party&#8217;s request, any and all property of the other Party (including, without limitation, any Confidential Information, software, and other property of the other Party; and</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">any T-Mobile Customer Accounts opened during the Term shall remain with Bank, unless Company exercises the Sale Option.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">Bank shall retain all records and documentation related to the Program (including</font></div></td></tr></table><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21</font></div></div><hr style="page-break-after:always"><div><a name="s6C3DA566A7805E6F92302E1CABD3FB46"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-Mobile Customers) in a form that is reasonably retrievable for a period of five (5) years after the closure of any T-Mobile Customer Account, or the termination of this Agreement (whichever is earlier). The Parties agree to cooperate with one another to make such records  and documentation available as may be required to comply with Applicable Law, or to respond to customer inquiries, legal requests (such as a subpoena), audits, or regulatory examination requests.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">10.5</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Transition of T-Mobile Customers</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Upon review and discussion, the Parties acknowledge and agree that it is in the best interest of T-Mobile Customers to ensure that the T-Mobile Financial Services offered in connection with the Program maintain the value proposition offered to T-Mobile Customers in the event of the expiration or termination of this Agreement. Bank, as the financial institution  that will hold the T-Mobile Customer Accounts during the Term, hereby expresses its desire to transition such T-Mobile Customer Accounts upon the expiration or termination of this Agreement and hereby agrees [***] T-Mobile Customer Accounts upon such expiration or termination; provided, that, [***] after such expiration or termination, Bank will offer Company the right of first refusal to purchase the T-Mobile Customer Accounts or to facilitate the purchase of the T-Mobile Customer Accounts to a qualified successor financial institution designated by Company (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Successor Institution</font><font style="font-family:inherit;font-size:12pt;">&#8221;), in each case, for [***] of such T-Mobile Customer Accounts, which shall be determined in accordance with Section 10.5(b) (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Sale Option</font><font style="font-family:inherit;font-size:12pt;">&#8221;). If Company does not accept the Sale Option, Bank may sell the T-Mobile Customer Accounts to any financial institution. If Company accepts the Sale Option, Company shall: (1) provide written notice to Bank [***] following receipt of the Sale Option (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Sale Option Notice</font><font style="font-family:inherit;font-size:12pt;">&#8221;); (2) execute, or facilitate the execution of, an agreement for the purchase of the T-Mobile Customer Accounts [***] following the delivery of the Sale Option Notice to Bank; and (3) provide, or cause the Successor Institution to provide, Bank with a detailed outline of its intentions in connection with the T-Mobile Customer Accounts, including, as applicable, the identity of the Successor Institution, the procedures for the transition of the T-Mobile Customer Accounts, and any other information reasonably requested by Bank that is necessary to facilitate the Sale Option. The Parties agree that the Sale Option shall be contingent upon the execution of an agreement that sets forth the mutually agreed to terms and conditions of the Sale Option.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">(b)</font><font style="font-family:inherit;font-size:12pt;">The sale price will be equal to [***]</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">22</font></div></div><hr style="page-break-after:always"><div><a name="sC887AFF200195493B8475562CF47F903"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]. Subject to the receipt of all necessary approvals from any Regulatory Authority, Bank agrees to transition the T-Mobile Customer Accounts to Company or the Successor Institution, as applicable, within [***] after closing of the Sale Option.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:62px;">(c)</font><font style="font-family:inherit;font-size:12pt;">If Company elects to accept the Sale Option and the T-Mobile Customer Accounts are transitioned to Company or the Successor Institution, as applicable, [***]. If Company accepts the Sale Option within the time period provided under Paragraph 10.5(a), the Term of this Agreement shall be extended and the Parties shall remain in compliance with all provisions of this Agreement, including the timely payment of all other fees and sums called for under this Agreement, through the date that the T-Mobile Customer Accounts are transitioned to Company or the Successor Institution, as applicable; provided, that Company shall not be subject to any minimum fee or similar commitments following the effective date of any expiration or termination of this Agreement. Company or the Successor Institution will be responsible for obtaining any necessary approvals from any Regulatory Authority.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:84px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">10.6</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Exclusivity and Cross-Marketing.  Bank agrees that, for the duration of the Term, (i) Bank shall not offer any financial products or services that are substantially similar to the T- Mobile Financial Services to any other Mobile Network Operator in the United States, and (ii) Bank shall not target any T-Mobile Customers using any T-Mobile Customer or Company customer list(s) or any data from or about the Program for the purpose of  marketing or selling any financial product or service, other than the T-Mobile Financial Services, to any such T-Mobile Customer. Company agrees that, for the duration of the Term, Company shall not offer a consumer-facing demand deposit account with any other financial institution. The provisions of this Section 10.6 shall not apply during any Termination Assistance Period.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CONFIDENTIALITY</font></div></td></tr></table><div style="line-height:120%;padding-top:16px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:inherit;font-size:12pt;">. The term &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:inherit;font-size:12pt;">&#8221; shall mean this Agreement and any and all proprietary information, data, trade secrets, business information and other information of any kind whatsoever which (a) a Party discloses in writing, orally, or visually (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Discloser</font><font style="font-family:inherit;font-size:12pt;">&#8221;) to the other Party (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Recipient</font><font style="font-family:inherit;font-size:12pt;">&#8221;) or to which the Recipient obtains access in connection with the negotiation of this Agreement or the exercise of its rights or performance of its obligations hereunder, and which (b) relates to (i) the Discloser&#8217;s business or business practices, (ii) the Discloser&#8217;s customers and/or associates, or (iii) consumers who have made Sensitive Customer Information available to Bank and/or Company. &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Sensitive Customer</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23</font></div></div><hr style="page-break-after:always"><div><a name="sF954F06022C856039289A45FAE843CAF"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Information</font><font style="font-family:inherit;font-size:12pt;">&#8221; means &#8220;non-public personal information,&#8221; as defined in the Gramm-Leach-Bliley Act and its implementing regulations (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">GLBA</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Except as otherwise provided in Section 11 of this Agreement, Confidential Information may only be accessed, used, and disclosed by the Parties for the business purpose contained herein.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.2</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Sensitive Customer Information</font><font style="font-family:inherit;font-size:12pt;">. Each Party acknowledges and agrees that it will protect, maintain, use, and disclose Sensitive Customer Information in accordance with this Agreement and in a manner that is not prohibited by Applicable Law. In addition to the other requirements set forth in Section 11 regarding Confidential Information, Sensitive Customer Information shall be subject to the additional restrictions set forth in this Section 11.2. The Recipient shall access, use, and disclose Sensitive Customer Information only for the purpose of exercising its rights and performing its obligations hereunder and shall disclose such Sensitive Customer Information only to its affiliates, employees, officers, agents, subcontractors, and third-party vendors (collectively, &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Recipient Third Parties</font><font style="font-family:inherit;font-size:12pt;">&#8221;) on a &#8220;need to know&#8221; basis and only to the extent such Recipient Third Parties are subject to obligations with respect to such Sensitive Customer Information that are no less restrictive than the obligations imposed on Recipient hereunder. The restrictions set forth herein shall apply during the Term and after the termination of this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.3</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Marketing Data</font><font style="font-family:inherit;font-size:12pt;">. Bank acknowledges and agrees that it will provide to Company, and Company may securely maintain, [***]. Bank agrees that it will make any and all disclosures and obtain any and all consents, authorizations, and approvals from T-Mobile Customers required under Applicable Law for Company to exercise its rights and for Bank to perform its obligations hereunder.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.4</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Compliance with Applicable Law</font><font style="font-family:inherit;font-size:12pt;">. The Parties shall comply with Applicable Law with respect to the use and disclosure of Sensitive Customer Information.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.5</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Disclosure to Employees, Agents and Third Parties</font><font style="font-family:inherit;font-size:12pt;">. Each of the Parties, as a Recipient, hereby agrees on behalf of itself and Recipient Third Parties that Confidential Information will only be disclosed or made available to Recipient Third Parties on a &#8220;need to know basis&#8221; for a Party to exercise its rights and perform its obligations hereunder and only if such Recipient Third Parties are subject to confidentiality obligations with respect to such Confidential Information that are no less restrictive than the obligations imposed on the Recipient hereunder. Each of the Parties, as a Recipient, also may disclose Confidential Information as required by law; provided, that, prior to any disclosure of Confidential</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24</font></div></div><hr style="page-break-after:always"><div><a name="s50EA6E1968A55FCBB1C0A1CDCA9B8E09"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Information as required by law, the Recipient shall (i) notify the Discloser of any actual or threatened legal compulsion of disclosure and any actual legal obligation of disclosure immediately upon becoming so obligated, and (ii) cooperate with the Discloser&#8217;s reasonable, lawful efforts to resist, limit or delay disclosure.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.6</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Return/Destruction of Materials</font><font style="font-family:inherit;font-size:12pt;">. Upon the termination of this Agreement, or at any time upon the request of a Party, the other Party shall return or, at the requesting Party&#8217;s election, destroy all Confidential Information, including Sensitive Customer Information, in the possession of such Party or in the possession of any third party over which such Party has or may exercise control, except as otherwise provided in this Agreement or as required to meet record-retention requirements under Applicable Law; provided, that, Company shall be under no obligation to return or destroy Behavior Data.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.7</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Exceptions</font><font style="font-family:inherit;font-size:12pt;">. The obligations of confidentiality in this Section 11 shall not apply to any information which a Party rightfully has in its possession when disclosed to it by the other Party, information which a Party independently develops, information which is or becomes known to the public other than by breach of this Section 11 or information rightfully received by a Party from a third party without the obligation of confidentiality.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.8</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">The Parties acknowledge and agree that the same or similar information, including Confidential Information, may constitute Company data and Bank data and, to the extent such information is both Company data and Bank data, (i) Company shall retain its ownership and use rights in such Company data without restriction hereunder as to elements of Company data that are also elements of Bank data, and (ii) Bank shall retain its ownership and use rights in such Bank data without restriction hereunder as to elements of Bank data that are also elements of Company data; provided, that, notwithstanding anything to the contrary in this Agreement, Bank shall not use any data accessed, disclosed, obtained, or received in connection with the Program to market any financial products or services to T-Mobile Customers.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.9</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Media Releases</font><font style="font-family:inherit;font-size:12pt;">. All media releases by either Party regarding the Program shall be coordinated with and, subject to requirements of Applicable Law, approved by the other Party in writing prior to the release thereof, which approval will not be unreasonably withheld or delayed.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11.10</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Injunctive Relief</font><font style="font-family:inherit;font-size:12pt;">. The Parties acknowledge that, in the event either Party breaches the terms of Section 11, the non-breaching Party shall be entitled to injunctive relief, in addition to any other remedies that may be available to it at law or under the terms of the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">12.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">INSURANCE</font></div></td></tr></table><div style="line-height:120%;padding-top:16px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">12.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Required Insurance Coverage</font><font style="font-family:inherit;font-size:12pt;">. Except as otherwise provided in Section 12.1(e), each Party shall, at its own cost and expense, obtain and maintain in full force and effect, with financially sound and reputable insurers having A.M. Best ratings of [***] or better, insurance to cover such Party&#8217;s obligations under this Agreement. Upon execution of this Agreement and before the commencement of any services contemplated under the Agreement, each Party shall provide the other Party with a certificate of insurance or declaration page</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></div><hr style="page-break-after:always"><div><a name="s0D1EA6200F8255549AE58F2B9F1399CC"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">evidencing the following coverages and amounts with such insurers and naming the other Party as an additional insured:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Commercial General Liability</font><font style="font-family:inherit;font-size:12pt;">. Including products, completed operations liability and personal injury, contractual liability and broad form property damage liability coverage for damages to any property with a minimum combined single limit of [***] per occurrence and [***] general aggregate per location for bodily injury, death, property damage and personal injury.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Business Automobile Coverage</font><font style="font-family:inherit;font-size:12pt;">. Covering use of any owned, non-owned, and hired automobiles with a minimum combined single limit of [***] per occurrence for bodily injury and property damage liability.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Workers&#8217; Compensation Coverage</font><font style="font-family:inherit;font-size:12pt;">. Including occupational illness or disease coverage, or other similar social insurance in accordance with the laws of each State in which services are performed; and Employer&#8217;s Liability Insurance with a minimum limit of [***] per occurrence.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Umbrella/Excess Liability</font><font style="font-family:inherit;font-size:12pt;">. Coverage with a minimum limit of [***] to cover claims in excess of the coverage limits for Commercial General Liability, Employer&#8217;s Liability and Automobile Liability.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(e)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Professional Liability/Errors and Omissions Insurance</font><font style="font-family:inherit;font-size:12pt;">. Bank shall maintain professional liability/errors and omissions liability insurance applicable to Bank&#8217;s obligations hereunder for minimum limits of [***] per claim and [***].  If such coverage is written on a claims-made basis, then (i) the retroactive date must precede the obligations performed under this Agreement, and (ii) the coverage must continue through the purchase of an extended reporting period (or continuation of the existing coverage) for [***] after termination of this Agreement.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(f)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank&#8217;s Obligation to Maintain Cybersecurity Insurance Coverage</font><font style="font-family:inherit;font-size:12pt;">. Bank, at all times, shall obtain and maintain cybersecurity and technology coverage for any liability arising from or related to the theft, dissemination, and/or use of Confidential Information and personal data stored or transmitted in electronic form and for any liability arising from or related to the introduction of a computer virus into, or otherwise causing damage to, any Company&#8217;s or any third party&#8217;s (including any T-Mobile Customer&#8217;s), computer systems, networks or similar computer-related property and the data, software, and programs stored thereon. The amount of coverage maintained by Bank, at all times, shall be [***] in accordance with the table below:</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-left:73px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:88.51851851851852%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:30%;"></td><td style="width:35%;"></td><td style="width:35%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:77px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Tier 1</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:77px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Tier 2</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:77px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Tier 3</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26</font></div></div><hr style="page-break-after:always"><div><a name="s023329A0E4975807B5D6E5709530121C"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;padding-left:73px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:88.51851851851852%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:30%;"></td><td style="width:35%;"></td><td style="width:35%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:50px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Tier 4</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]. For the avoidance of doubt, Bank&#8217;s failure to maintain coverage, at all times, in the amount required under this Section 12.1(f) shall be deemed to be a material breach of this Agreement.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">If the coverage required under this Section 12.1(f) is written on a claims-made basis, then (i) the retroactive date must precede the obligations performed under this Agreement, and (ii) the coverage must continue through the purchase of an extended reporting period (or continuation of the existing coverage) for [***] after termination of this Agreement.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">12.2</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Additional Insurance Requirements</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Each Party shall cause its insurers or its representatives to issue certificates of insurance evidencing that the coverages under this Agreement are maintained in force, and each Party will provide not less than thirty (30) days written notice to the other Party prior to any cancellation of any of the policies.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;">Each Party shall provide evidence of such policies of insurance to the other Party upon request.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(c)</font><font style="font-family:inherit;font-size:12pt;">Nothing in this Section 12 will be construed as limiting either Party&#8217;s liability to the other Party or to any third party.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(d)</font><font style="font-family:inherit;font-size:12pt;">Each Party shall be named additional insured under the General Liability and Umbrella Liability.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">12.3</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">No Warranty</font><font style="font-family:inherit;font-size:12pt;">. No warranty is provided that the coverages and limits listed in this Section 12 are adequate to cover and protect the interests of either Party. These are solely minimums that have been set to protect the interests of the Parties. Each Party will be fully responsible for risk of loss of, and damage to, any building, equipment, software or other materials owned or leased by it and used in providing the services in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">13.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">LIMITATION OF LIABILITY</font></div></td></tr></table><div style="line-height:120%;padding-top:16px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">13.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">No Special Damages</font><font style="font-family:inherit;font-size:12pt;">. EXCEPT TO THE EXTENT SUCH DAMAGES ARISE OUT OF OR RELATE TO A PARTY&#8217;S (A) BREACH OF SECTIONS [***], (B) A PARTY&#8217;S [***], OR (C) A PARTY&#8217;S FRAUD, WILLFUL MISCONDUCT, OR GROSS NEGLIGENCE, IN NO EVENT SHALL EITHER PARTY BE</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">27</font></div></div><hr style="page-break-after:always"><div><a name="s94325DFECA5E52FB88DC49833DB69C86"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">LIABLE TO THE OTHER PARTY, WHETHER IN CONTRACT, TORT, EQUITY OR OTHERWISE, FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, EVEN IF SUCH PARTY HAS KNOWLEDGE OF THE POSSIBILITY OF SUCH DAMAGES ARISING FROM OR RELATED TO THIS AGREEMENT.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">13.2</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Disclaimers of Warranties</font><font style="font-family:inherit;font-size:12pt;">. EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT, THE PARTIES SPECIFICALLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, ARISING OUT OF OR RELATED TO THIS AGREEMENT, INCLUDING WITHOUT LIMITATION, ANY WARRANTY OF MARKETABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE, EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">13.3</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Liabilities of Parties for Regulatory Claims</font><font style="font-family:inherit;font-size:12pt;">.  Each Party shall be liable to the  ther Party for any and all costs, expenses, liabilities, and losses, including, without limitation, the cost of investigation, the cost of litigation, and reasonable attorneys&#8217; fees (collectively, &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Losses</font><font style="font-family:inherit;font-size:12pt;">&#8221;), in connection with any (a) claim, demand, or cause of action brought by or on behalf of any T-Mobile Customer as a result of the other Party&#8217;s failure to comply with Applicable Law, or (b) regulatory investigation conducted by any Regulatory Authority.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">INTELLECTUAL PROPERTY</font></div></td></tr></table><div style="line-height:120%;padding-top:16px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Each Party shall be the sole owner of all right, title, and interest in and to all such intellectual property owned by it immediately preceding the Effective Date and any intellectual property acquired, created, or developed by such Party independently of this Agreement after the Effective Date. For the purposes of clarity, Bank is the owner of all right, title, and interest in and to all intellectual property and proprietary rights in and to its banking system and related technology, including, but not limited to, its mobile and web-based applications, user interface (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank User Interface</font><font style="font-family:inherit;font-size:12pt;">&#8221;), data systems, databases, financial and banking processes, and related systems and processes used and operated by Bank in connection with its online banking system for retail and commercial banking and financial services (collectively, &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank FinTech</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Company shall not, nor assist any third party&#8217;s efforts to, modify, reverse engineer, disassemble, decrypt, decompile, make derivative works of, or attempt to discover or modify in any way the underlying source code or object code relating to Bank FinTech.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.2</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">As between the Parties, each Party, respectively, will be the sole and exclusive owner of all right, title, and interest in and to all intellectual property acquired from a third party or developed by or on behalf of such Party in connection with such Party exercising its rights or performing its obligations hereunder. Without limiting the foregoing, Company shall own all respective rights, title, and interest in and to any modification or customization of Bank&#8217;s User Interface, and any component thereof, created or developed by or on behalf of Company (including by Bank or any affiliate of Bank) with Bank&#8217;s authorization (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company Specific User Interface</font><font style="font-family:inherit;font-size:12pt;">&#8221;), including, without limitation, any information architecture of the Company Specific User Interface, wireframes, and flows of the Company Specific User Interface, as well as the design (including the look and feel) of the Company Specific User Interface.  For the</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28</font></div></div><hr style="page-break-after:always"><div><a name="sE67F78DD39E656DDAFE0E38862A557B8"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">purposes of clarity, Company acknowledges and agrees that it is acquiring ownership rights solely in and to the modifications and customizations made to the Bank User Interface that are embodied in the Company Specific User Interface, but not any ownership rights in the Bank User Interface. The Company Specific User Interface shall constitute a &#8220;work made for hire&#8221; under the U.S. Copyright Act of 1976 (17 U.S.C. &#167;101 et seq. and any successor statute thereto), and the ownership of the Company Specific User Interface shall vest in Company at the time it is created. To the extent any rights, title, or interest in or to the Company Specific User Interface, including any intellectual property rights, may not vest automatically in Company, whether by operation of law or otherwise, Bank hereby irrevocably assigns and transfers to Company all right, title, and interest in and to the Company Specific User Interface, including any intellectual property rights therein. For the avoidance of doubt, Customer Specific User Interface shall not be considered to be jointly-owned intellectual property.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.3</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank hereby grants to Company and its third-party service providers a revocable, non-transferable, non-sublicenseable, non-exclusive, worldwide, royalty-free license, during the Term and any Transition Assistance Period or Modified Transition Assistance Period, to all intellectual property it provides to Company, or to which it provides Company with access, solely for the purpose of using such intellectual property in connection with the Program and as necessary to exercise its rights and perform its obligations hereunder during the Term and any Transition Assistance Period or Modified Transition Assistance Period. Notwithstanding anything to the contrary, to the extent that the Company Specific User Interface relies on Bank intellectual property owned by Bank preceding the Effective Date or any intellectual property acquired, created, or developed by Bank independently of this Agreement after the Effective Date, Bank hereby grants to Company, under intellectual property rights owned or controlled by Bank or any Bank affiliate, an irrevocable, sublicensable, exclusive, royalty-free, perpetual, worldwide right and license to such intellectual property, including to make use the Company Specific User Interface.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.4</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">The Parties shall not develop any intellectual property that will be deemed jointly- owned unless they have agreed, in advance and in writing, that such intellectual property writing will be jointly-owned. If, notwithstanding the foregoing, a &#8220;joint work of authorship&#8221; (as defined under the U.S. Copyright Act) or a &#8220;joint invention&#8221; (as defined under the U.S. Patent Act) arises in any jurisdiction in the absence of such a separate agreement, then each Party will have the right to use, license, and otherwise exploit such jointly-owned intellectual property without any restriction or obligation to account to the other Party; provided, however, that the foregoing shall not be construed as granting or conveying any right or licenses under any other intellectual property of the other Party even if necessary to use or otherwise exploit such jointly-owned intellectual property.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.5</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank hereby grants to Company, its parents and affiliates, and its third-party service providers a revocable, non-transferrable, non-sublicenseable, non-exclusive, worldwide, royalty-free license, during the Term and any Transition Assistance Period or Modified Transition Assistance Period, to use, host, display, reproduce, and transmit the Bank Marks for the purpose of exercising its rights and performing its obligations hereunder solely in connection with the Program.</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">29</font></div></div><hr style="page-break-after:always"><div><a name="s03462D5DFC5B53E891A6FE7A323A77AB"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.6</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Company hereby grants to Bank (i) a limited, personal, revocable, non-exclusive, non-transferrable, non-sublicenseable, royalty-free sublicense, to use the DT Marks, and (ii) a limited, personal, revocable, non-exclusive, non-transferable, non-sublicenseable, royalty-free license to use the Company Marks, during the Term and any Transition Assistance Period or Modified Transition Assistance Period, in the United States, for the purpose of exercising its rights and performing its obligations hereunder solely in connection with the Program.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.7</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank, Company, and DT shall retain all right, title, interest and ownership in and to their respective Marks.  Neither Bank nor Company will challenge, nor assist any third party in challenging, any right, title or interest of the other Party or such Party&#8217;s licensors in their respective Marks, claim any right, title or interest in or to the other Party&#8217;s or such Party&#8217;s licensor&#8217;s Marks, or assert any interest in, or attempt to register or apply for registration of, any of the other Party&#8217;s or such Party&#8217;s licensor&#8217;s Marks or any confusingly similar variation of such Marks. Any use of Bank Marks by Company will inure to the benefit of Bank, and any use of Company Marks and DT Marks by Bank shall inure to the benefit of Company and DT, respectively. Except as provided herein, neither Party shall use the other Party&#8217;s Marks or such other Party&#8217;s licensor&#8217;s Marks, or any adaptation or variation of such Marks, in any manner whatsoever (including, without limitation, in any press releases, advertising, promotion or sales literature), without the prior written consent of the other Party. Neither Party will use the other Party&#8217;s Marks or such Party&#8217;s licensor&#8217;s Marks, or incorporate any such Marks, including any confusingly similar variation of such Marks, into any company or trade names, other marks, email addresses, gTLDs, domain names or URL strings, telephone numbers, Google AdWords (or other online paid search advertising tool), or social networking user names, &#8220;handles,&#8221; or hashtags. Each Party acknowledges that it is familiar with the high standards, quality, style and image of the other Party&#8217;s Marks or such other Party&#8217;s licensor&#8217;s Marks, and will use such Marks in a manner consistent with such uses. Neither Party will use the other Party&#8217;s Marks or such Party&#8217;s licensor&#8217;s Marks in any way that causes, or may cause, damage to the reputation, business or goodwill of the other Party or its licensors. Neither Party will do anything itself, or aid or assist any other person or entity to do anything that would, or could reasonably be expected to infringe, violate, tarnish, dilute, cause a loss of distinctiveness, harm, disparage, misuse or bring into disrepute the other Party&#8217;s Marks or such other Party&#8217;s licensor&#8217;s Marks, and/or do anything that would, or could reasonably be expected to damage the goodwill associated therewith. Each Party will meet and comply with all of the specifications and standards prescribed by the other Party or its licensors, including but not limited to (a) Bank&#8217;s standards (as set forth in Exhibit 14.7), and (b) Company&#8217;s Marks Rules (available at </font><font style="font-family:inherit;font-size:12pt;color:#0000ff;text-decoration:underline;">http://www.t-mobile.com/marksrules/</font><font style="font-family:inherit;font-size:12pt;">) and brand guidelines. On ten (10) days written notice, either Party may require the other Party to provide a sampling of goods and media bearing the such other Party&#8217;s Marks or such Party&#8217;s licensor&#8217;s Marks to determine the manner in which such Marks are used and the nature and quality of the goods and services with which such Marks are used. To the extent a Party determines that any use of its Marks by the other Party is inconsistent with the terms and conditions of this Section 14.7, then such Party may provide written notice of such inconsistency to the other Party and the Parties will work in good faith to address the issue giving rise to such written notice within a commercially reasonable period of time. Notwithstanding anything to the contrary, Company shall maintain all right and title to, and ownership in and of, all branding used in connection with the Program (except for Banks Marks).</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">30</font></div></div><hr style="page-break-after:always"><div><a name="s9385C00B24CE591293617C2F87316EE0"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.8</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Notwithstanding anything to the contrary, Company shall maintain all right and title to, and ownership in and of, all branding used in connection with the Program (except for Bank Marks).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14.9</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">All rights not expressly granted hereunder are reserved by the owner of such rights, and the reserved rights shall remain the exclusive property of such owner.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">GENERAL PROVISIONS</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Indemnification</font><font style="font-family:inherit;font-size:12pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Company shall indemnify and hold harmless Bank, its parent, subsidiaries and affiliates and their respective officers, directors, employees and permitted assigns (as applicable, the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank Indemnified Party</font><font style="font-family:inherit;font-size:12pt;">&#8221;), from and against any direct damages, costs, expenses, or liabilities arising from or related to any legal action, claim, demand, proceeding, order, suit, or cause of action (collectively, any &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Claim</font><font style="font-family:inherit;font-size:12pt;">&#8221;) brought against any Bank Indemnified Party by any third party in connection with: (i) Company&#8217;s breach of any representation, warranty, or covenant of this Agreement or any agreement between Company and a T-Mobile Customer in connection with the Program; (ii) Company&#8217;s breach of any of its obligations under this Agreement; (iii) Company&#8217;s negligence, willful misconduct, or bad faith; or (iv) [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;">Bank shall indemnify and hold harmless Company and its parent, subsidiaries and affiliates, and their respective officers, directors, employees, and permitted assigns (as applicable, a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company Indemnified Party</font><font style="font-family:inherit;font-size:12pt;">&#8221;), from and against any direct damages, costs, expenses, or liabilities incurred by a Company Indemnified Party arising from or related to any Claim brought against any Company Indemnified Party by any third party in connection with Program, including, without limitation: (i) Bank&#8217;s breach of any representation, warranty, or covenant of this Agreement, (ii) Bank&#8217;s breach of any of its obligations under this Agreement or under any agreement between Bank and a T-Mobile Customer; (iiii) Bank&#8217;s negligence, willful misconduct, or bad faith, or (iv) Bank&#8217;s infringement of any third party intellectual property rights caused by Company&#8217;s use of Bank&#8217;s FinTech, the Company Specific User Interface, Bank Marks, or other similar rights licensed to a Company Indemnified Party, provided that Bank shall not be required to indemnify the Company under this subsection (iv) if Bank&#8217;s FinTech, Bank Marks, or other similar licensed rights were modified or changed by Company without Bank&#8217;s written authorization.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(c)</font><font style="font-family:inherit;font-size:12pt;">If any Claim is asserted against an Indemnified Party by any third party in respect of which the Indemnified Party may be entitled to indemnification under the provisions of</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31</font></div></div><hr style="page-break-after:always"><div><a name="sA7C2C2A226E552E0AE508F6462466B8D"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">subsections (a) or (b) above, the Indemnified Party shall promptly provide written notice of such Claim to the Indemnifying Party from which indemnification may be sought. The Indemnifying Party shall have the right, by notifying the Indemnified Party within thirty (30) days of its receipt of the notice of the Claim, to assume the entire control of the defense of the Claim, including the right to settle the Claim at the sole discretion of the Indemnifying Party, provided that such settlement: (i) does not impose any obligation on the Indemnified Party, (ii) does not include an admission of liability by the Indemnified Party, (iii) grants the Indemnified Party a full and unconditional release from all liability with respect to the Claim, and (iv) does not otherwise adversely affect the Indemnified Party. The Indemnifying Party may not consent to the entry of any judgment with respect to a Claim without the written consent of the Indemnified Party. Any counsel retained by the Indemnifying Party for such purposes shall be reasonably acceptable to the Indemnified Party. The Indemnifying Party shall institute and maintain any such defense diligently and reasonably and shall keep the Indemnified Party fully advised as to the status thereof. The Indemnified Party shall have the right to participate in the defense of any Claim, including through employing its own counsel, but the fees and expense of such counsel shall be at the Indemnified Party&#8217;s expense, unless otherwise authorized in writing by the Indemnifying Party.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(d)</font><font style="font-family:inherit;font-size:12pt;">The provisions of this Section 15.1 and of Section 15.2 shall survive termination or expiration of this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.2</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Disclosure</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Each Party shall promptly notify the other of any action, suit, proceeding which might give rise to any indemnification hereunder or which might materially and adversely affect either Party&#8217;s ability to perform this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;">Each Party represents and warrants to the other Party that it has no knowledge of any pending or threatened suit, action, arbitration or other proceedings of a legal, administrative or regulatory nature, or any governmental investigation, against it or any of its affiliates or any officer, director, or employee, which has not been previously disclosed in writing and which would materially and adversely affect its financial condition or its ability to perform this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.3</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Legal Compliance</font><font style="font-family:inherit;font-size:12pt;">. Each Party represents and warrants to the other Party that it is familiar with the requirements of Applicable Law and agrees that it will use commercially reasonably efforts to maintain familiarity with Applicable Law relating to its activities under this Agreement, now and in the future. The provisions of this Section 15.3 shall not alter the responsibilities of the Parties to ensure compliance as otherwise required by separate sections of this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.4</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program Governance</font><font style="font-family:inherit;font-size:12pt;">. The Parties agree to adhere to the joint governance  structure for oversight and management of the Program as described in this Section 15.4.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program Managers and Program Teams</font><font style="font-family:inherit;font-size:12pt;">. Within thirty (30) days after the  Effective Date, each Party shall appoint one Program relationship manager (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program Manager</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  Each Program Manager shall serve as the other Party&#8217;s principal point of contact on</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">32</font></div></div><hr style="page-break-after:always"><div><a name="s107B6C438D91583DB15877B33844A768"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Program-related issues and shall lead the Program Manager&#8217;s respective team (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program Team</font><font style="font-family:inherit;font-size:12pt;">&#8221;) in executing its Party&#8217;s obligations hereunder. Each Party shall endeavor to provide stability and continuity in the Program Manager positions and each Party&#8217;s other Program personnel. Bank&#8217;s Program Team and Company&#8217;s Program Team collectively will constitute the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Joint Governance Committee</font><font style="font-family:inherit;font-size:12pt;">.&#8221;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Joint Governance Committee</font><font style="font-family:inherit;font-size:12pt;">. The Joint Governance Committee shall be responsible for monitoring all aspects of the Program to ensure that the Parties are exercising their rights and performing their obligations in accordance with this Agreement; provided, however, that the Joint Governance Committee shall not be authorized to amend this Agreement or modify either Party&#8217;s obligations hereunder. The Joint Governance Committee, at a minimum, shall meet in person, by phone, or by videoconference on a quarterly basis. The Joint Governance Committee shall: [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Within thirty (30) days after the Effective Date, each Party shall appoint two (2) senior executives to serve on an advisory board (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Advisory Board</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  If the Joint</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33</font></div></div><hr style="page-break-after:always"><div><a name="s312E9561E6FD5AE88557CF689BB1CCF3"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;padding-left:78px;text-indent:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Governance Committee is unable to resolve any matter of material significance, then the Joint Governance Committee shall refer the matter to the Advisory Board and the Advisory Board shall endeavor, within a reasonable period of time, to resolve such matter.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Fraud Losses</font><font style="font-family:inherit;font-size:12pt;">. Both Parties recognize that managing losses on the Program is an essential element. Bank will implement a loss prevention program designed to detect, prevent, and mitigate losses in connection with the Program. Company shall reasonably cooperate with Bank in the implementation of loss prevention activities throughout the term of the Agreement. [***]. The Parties will meet annually to discuss Bank&#8217;s Fraud Prevention Policy.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(e)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Risk Management</font><font style="font-family:inherit;font-size:12pt;">. The Parties will reasonably cooperate to identify the legal, financial, and reputational risks associated with the Program (including, without limitation, any information technology risks) and will manage and regularly review a transparent and accessible risk matrix that identifies such risks, including the probability and impact of such risks, as well as mitigations and contingencies to address and respond to such risks. Bank promptly shall notify Company of any material changes to Bank&#8217;s technology architecture.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.5</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Relationship of Parties</font><font style="font-family:inherit;font-size:12pt;">. Bank and Company intend for their relationship to be that of independent contractors in performing their respective obligations hereunder. Nothing in this Agreement or in the working relationship established and developed hereunder shall be deemed to be, nor shall it cause, Bank and Company to be treated as partners, joint venturers, employees or joint associates for profit.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.6</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Regulatory Examinations and Financial Information</font><font style="font-family:inherit;font-size:12pt;">. Company agrees to submit to any examination which may be required by any Regulatory Authority with audit and examination authority over Bank, to the fullest extent of such Regulatory Authority. Company shall also provide to Bank any information, which may be required by any Regulatory Authority in connection with their audit or review of Bank or the Program, and shall reasonably cooperate with such Regulatory Authority in connection with any audit or review of Bank. Nothing in this Agreement shall limit the right of any Party to this Agreement to seek injunctive relief, to the extent available, with respect to breaches of this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.7</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Governing Law</font><font style="font-family:inherit;font-size:12pt;">. This Agreement shall be governed by the internal laws, and not by the laws regarding conflicts of laws, of the State of New York. Each Party hereby submits to the jurisdiction of the courts of the State of New York, and hereby waives any objection to venue with respect to actions brought in any court in the State of New York.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.8</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Severability</font><font style="font-family:inherit;font-size:12pt;">. If any provision of this Agreement is deemed by a court, Regulatory Authority, or other public or private tribunal of competent jurisdiction to be invalid or otherwise unenforceable, then such provision shall be deemed to have been omitted from this Agreement.  In the case of the foregoing, the remaining provisions of this Agreement shall remain in full force and effect.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.9</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Force Majeure</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(a)</font><font style="font-family:inherit;font-size:12pt;">Neither Party is liable for the failure of such Party to perform its obligations hereunder if such failure is the result of an act of God (including fire, flood, earthquake, storm,</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">34</font></div></div><hr style="page-break-after:always"><div><a name="s11F0AB0E97585EED8F9C81C1C02F9325"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">hurricane or other natural disaster), war, invasion, act of foreign enemies, hostilities (regardless of whether war is declared), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation, terrorist activities, government sanction, blockage, embargo, labor dispute, strike, lockout or interruption or failure of electricity or telephone service (each, a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Force Majeure Event</font><font style="font-family:inherit;font-size:12pt;">&#8221;).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:88px;text-align:justify;text-indent:48px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:41px;">(b)</font><font style="font-family:inherit;font-size:12pt;">If either Party asserts this Section 15.9 as an excuse for the failure to perform its obligations hereunder, then the non-performing Party must prove that the Party took commercially reasonable steps to minimize any delay or damages caused by foreseeable events, that the Party substantially fulfilled all non-excused obligations, and that the other Party was timely notified of the likelihood or actual occurrence of a Force Majeure Event.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.10</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Survival</font><font style="font-family:inherit;font-size:12pt;">. Any rights and obligations of Bank and Company which, by their nature, should extend beyond the termination of this Agreement shall survive the termination of this Agreement, including any representations and warranties made by each Party, the indemnification obligations of each Party, and the liability provisions hereof.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.11</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Successors and Third Parties</font><font style="font-family:inherit;font-size:12pt;">. Except as limited by Section 15.12, this Agreement and the rights and obligations hereunder shall bind and inure to the benefit of the Parties and their successors and permitted assigns.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.12</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Assignments</font><font style="font-family:inherit;font-size:12pt;">. Except as otherwise provided in this Section 15.12, neither Party may assign this Agreement, or any rights hereunder, without the other Party&#8217;s prior written consent; provided, that (i) Company may assign this Agreement, or any of its rights hereunder, to any affiliate of Company, and (ii) Bank may assign this Agreement, or any of its rights hereunder, to a Durbin-Exempt Bank as contemplated by and subject to Section 8.1(l). If a Party attempts to assign this Agreement, or any rights hereunder, without the other Party&#8217;s consent, then the other Party may terminate this Agreement, without penalty, immediately upon written notice to the other Party. Notwithstanding anything to the contrary, Company may assign this Agreement in the event of a change of Control of Company. If Bank assigns this Agreement subject to and in accordance with Section 8.1(l) or this Section 15.12, then, notwithstanding anything to the contrary, Bank shall be bound by and comply with Bank&#8217;s confidentiality obligations and the exclusivity provisions of this Agreement as if Bank were still a party to this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.13</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Notices</font><font style="font-family:inherit;font-size:12pt;">. All notices, requests, and approvals required by this Agreement shall be in writing addressed and directed to the other Party at the mailing address, electronic mail address, or facsimile set forth below or at such other mailing address, electronic mail address, or facsimile as the Parties may designate in writing from time to time subject to and in accordance with this Section 15.13. Notices, requests, and approvals shall be deemed to have been given upon the earlier of (i) the receipt of an electronic mail or facsimile transmission during normal business hours or (ii) the actual receipt thereof. Notices, requests and approvals shall be addressed to the attention of:</font></div><div style="line-height:134%;padding-top:14px;text-align:left;padding-left:177px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank to:&#160;&#160;&#160;&#160;Customers Bank</font></div><div style="line-height:114%;padding-top:2px;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">ATTN: [***] </font></div><div style="line-height:114%;padding-top:2px;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">115 Munson Street</font></div><div style="line-height:121%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">New Haven, Connecticut 06511</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35</font></div></div><hr style="page-break-after:always"><div><a name="s2820EE15B4F15390B098D4128B1B9C23"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:177px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">With a copy to:&#160;&#160;&#160;&#160;Customers Bank</font></div><div style="line-height:120%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">ATTN: [***]</font></div><div style="line-height:120%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1015 Penn Avenue</font></div><div style="line-height:120%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Wyomissing, Pennsylvania 19610</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:177px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Company to:&#160;&#160;&#160;&#160;T-Mobile USA, Inc.</font></div><div style="line-height:120%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">ATTN: [***]</font></div><div style="line-height:120%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">12920 SE 38th Street</font></div><div style="line-height:120%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bellevue, Washington 98006-1250</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:177px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">With a copy to:&#160;&#160;&#160;&#160;T-Mobile USA, Inc.</font></div><div style="line-height:120%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">ATTN: General Counsel 12920 SE 38th Street</font></div><div style="line-height:120%;text-align:left;padding-left:297px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bellevue, Washington 98006-1250</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.14</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Waivers</font><font style="font-family:inherit;font-size:12pt;">. Neither Party shall be deemed to have waived any of its rights, power, or remedies hereunder, except in a writing signed by an authorized agent or representative of the Party to be charged. Either Party may, by an instrument in writing, waive compliance by the other Party with any term or provision of this Agreement. The waiver by either Party of a breach of any term or provision of this Agreement shall not be construed as a waiver of any subsequent breach.</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.15</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Entire Agreement: Amendments</font><font style="font-family:inherit;font-size:12pt;">. This Agreement, including any exhibits, schedules, and attachments, constitutes the entire Agreement between the Parties and supersedes all prior agreements, understandings, and arrangements, oral or written, between the Parties with respect to the subject matter hereof. This Agreement may not be modified or amended except by an instrument or instruments in writing signed by the Party against which enforcement of any such modification or amendment is sought.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.16</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Counterparts</font><font style="font-family:inherit;font-size:12pt;">. This Agreement may be executed and delivered by the Parties in counterparts, each of which shall be deemed an original and both of which, together, shall constitute one and the same instrument. Facsimile or other electronically delivered copies of signature pages to this Agreement shall be treated between the Parties as original signatures for all purposes.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:177px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.17</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Disputes</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Duty to Notify</font><font style="font-family:inherit;font-size:12pt;">. In the event of any dispute, controversy, or claim arising out of or relating to this Agreement or the construction, interpretation, performance, breach, termination, enforceability or validity thereof (hereinafter, a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Dispute</font><font style="font-family:inherit;font-size:12pt;">&#8221;), the Party raising such Dispute shall notify the other Party promptly and no later than one-hundred eighty (180) days from the date of its discovery of the Dispute. If a Party fails to notify the other Party of a Dispute relating to a T- Mobile Customer Account, transaction statements or any other similar matter within one- hundred eighty (180) days of the date of the discovery of the Dispute, then the matter shall be deemed to be undisputed and accepted by the Party attempting to raise the Dispute.</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">36</font></div></div><hr style="page-break-after:always"><div><a name="s31AC40AE8D94518C978A2AD219EB3F8B"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Cooperation to Resolve Disputes</font><font style="font-family:inherit;font-size:12pt;">. The Parties shall cooperate and attempt in good faith to resolve any Dispute promptly by negotiating between persons who have authority to settle the Dispute and who are at a higher level of management than the persons with direct responsibility for administration and performance of the provisions or obligations of this Agreement that are the subject of the Dispute.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Arbitration</font><font style="font-family:inherit;font-size:12pt;">. Any Dispute which cannot otherwise be resolved as provided in paragraph (b) above shall be resolved by arbitration conducted in accordance with the commercial arbitration rules of the American Arbitration Association, and judgment upon the award rendered by the arbitral tribunal may be entered in any court having jurisdiction thereof. The arbitration tribunal shall consist of a single arbitrator mutually agreed upon by the Parties, or in the absence of such agreement within thirty (30) days from the first referral of the dispute to the American Arbitration Association, designated by the American Arbitration Association. The place of arbitration shall be New York, NY, unless the Parties shall have agreed to another location within fifteen (15) days from the first referral of the dispute to the American Arbitration Association. The arbitral award shall be final and binding. The Parties waive any right to appeal the arbitral award, to the extent a right to appeal may be lawfully waived. Each Party retains the right to seek judicial assistance: (i) to compel arbitration, (ii) to obtain interim measures of protection prior to or pending arbitration, (iii) to seek injunctive relief in the courts of any jurisdiction as may be necessary and appropriate to protect the unauthorized disclosure of its proprietary or confidential information, and (iv) to enforce any decision of the arbitrator, including the final award. In no event shall either Party be entitled to punitive, exemplary or similar damages.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Confidentiality of Proceedings</font><font style="font-family:inherit;font-size:12pt;">. The arbitration proceedings contemplated by this Section 15.17 shall be as confidential and private as permitted by law; provided, however, that either Party is permitted to disclose the proceedings to accountants, legal counsel and professional advisors. To that end, the Parties shall not disclose the existence, content or results of any proceedings conducted in accordance with this Section 15.17, and materials submitted in connection with such proceedings shall not be admissible in any other proceeding, provided, however, that this confidentiality provision shall not prevent a petition to vacate or enforce an arbitral award, and shall not bar disclosures required by any laws or regulations.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15.18</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Headings and Construction</font><font style="font-family:inherit;font-size:12pt;">. The various captions and section headings in this Agreement are included for convenience only and shall not affect the meaning or interpretation of any provision of this Agreement. Notwithstanding anything to the contrary, in all cases, the use of the term &#8220;including&#8221; shall be construed as being inclusive and shall be deemed to mean &#8220;including, without limitation,&#8221;.</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;padding-left:92px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[Signature Page Follows]</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37</font></div></div><hr style="page-break-after:always"><div><a name="s7D1928AF94F053BEA11A42BCCB1BF306"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;"><br></font></div><div style="line-height:137%;padding-top:6px;text-align:left;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">IN WITNESS WHEREOF, this Agreement is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:137%;padding-top:6px;text-align:left;padding-left:132px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:575px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:50px;"></td><td style="width:234px;"></td><td style="width:5px;"></td><td style="width:49px;"></td><td style="width:234px;"></td></tr><tr><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;color:#383838;">T-MOBILE USA, INC. </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;color:#232323;">(COMPANY)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;color:#383838;">CUSTOMERS BANK </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;color:#232323;">(CUBI)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">By:</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">/s/ [***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#232323;">/s/ [***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Name:</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Name:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">2/23/2017  </font><font style="font-family:inherit;font-size:11.5pt;">|</font><font style="font-family:inherit;font-size:12pt;">&#160;&#160;7:48 PM PST</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#232323;">February 24, 2017</font></div></td></tr></table></div></div><div style="line-height:137%;padding-top:6px;text-align:left;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:137%;text-align:left;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:132px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">APPROVED AS TO FORM</font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:132px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">/s/  [***]                               </font></div><div style="line-height:120%;text-align:left;padding-left:132px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-MOBILE LEGAL</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">38</font></div></div><hr style="page-break-after:always"><div><a name="sA6D6D77FF6025F03B0287B25C57CA00E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;padding-left:78px;text-indent:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:240%;text-align:left;padding-left:310px;text-indent:41px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT A COMPANY REVENUE</font></div><div style="line-height:138%;padding-top:1px;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:138%;padding-top:1px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">On a monthly basis, Bank shall prepare a compilation of revenue and expense items associated with the Program as set forth in this Exhibit A and shall provide detailed reports to the Company by the fifteenth (15</font><font style="font-family:inherit;font-size:8pt;">th</font><font style="font-family:inherit;font-size:12pt;">) day following the month in which the Program was operated and the T-Mobile Financial Services were provided.  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#000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">40</font></div></div><hr style="page-break-after:always"><div><a name="s0C1A13BC035051A0B8B3FD5311EC41F1"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:72px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:90.32258064516128%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:31%;"></td><td style="width:17%;"></td><td style="width:23%;"></td><td style="width:29%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td colspan="4" style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#80c9ff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Alerts</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41</font></div></div><hr style="page-break-after:always"><div><a name="sA024AF377BAE5CCE8AB07F2A0AE88117"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;padding-left:72px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:90.32258064516128%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:32%;"></td><td style="width:17%;"></td><td style="width:23%;"></td><td style="width:28%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">-&#160;&#160;&#160;&#160;[***]</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">42</font></div></div><hr style="page-break-after:always"><div><a name="sB9E38D09EACD5BD4AC3FA03FE65A3EB2"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:272px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT C</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:272px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SERVICE LEVEL AGREEMENTS</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Service Level Implementation</font><font style="font-family:inherit;font-size:11pt;">: The provisions in this Exhibit C shall be measured on a going-forward basis beginning [***] after the Launch Date. Bank, at all times during the Term, shall comply with the service levels set forth in the table below (each, a &#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Service Level</font><font style="font-family:inherit;font-size:11pt;">&#8221;).</font></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Service Level Assumptions</font><font style="font-family:inherit;font-size:11pt;">:</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-left:81px;padding-top:6px;text-align:justify;text-indent:0px;"><font style="padding-top:6px;text-align:justify;font-family:inherit;font-size:11pt;padding-right:48px;">1.</font><font style="font-family:inherit;font-size:11pt;">Each Service Level set forth in the table below is expressed as a simple average and is measured on a monthly basis.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:11pt;padding-right:48px;">2.</font><font style="font-family:inherit;font-size:11pt;">Response time for electronic authorizations shall exclude any authorizations requiring manual intervention and shall exclude transaction transmission time.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:11pt;padding-right:48px;">3.</font><font style="font-family:inherit;font-size:11pt;">T-Mobile Customer Account applications that Bank is reviewing under special circumstances requiring manual intervention, such as a fraudulent T-Mobile Customer Account application, shall not be included in the measurement of performance.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:11pt;padding-right:48px;">4.</font><font style="font-family:inherit;font-size:11pt;">Any Service Level failure that is the result of a Force Majeure Event shall be excluded from consideration in measuring compliance with this Exhibit C.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:11pt;padding-right:48px;">5.</font><font style="font-family:inherit;font-size:11pt;">If a single event causes more than one Service Level failure during a month, such event shall be deemed a single failure for purposes of this Exhibit C.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:11pt;padding-right:48px;">6.</font><font style="font-family:inherit;font-size:11pt;">If Company does not provide Bank with sufficient advance notice of changes in its systems and such changes cause Bank to miss a Service Level for the period, the Service Level will not be deemed to have been failed.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:11pt;padding-right:48px;">7.</font><font style="font-family:inherit;font-size:11pt;">Both Parties acknowledge and agree that Company-driven changes to [***] could potentially alter [***]. If such changes occur, the Parties agree [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Bank shall report to Company, on a monthly basis and in a mutually agreed format, Bank&#8217;s performance under each of the Service Levels set forth in this Exhibit C.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Service Failure Payments</font><font style="font-family:inherit;font-size:11pt;">:</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">If Bank fails to meet any Critical Service Level in any [***], then no later than the [***] of the following month, Bank shall deliver to Company a report detailing the reason(s) for such failure and a corrective action plan. Bank shall implement such corrective action plan as soon as practicable but no later than [***].  Bank shall deliver to Company a second report, [***], assessing the preliminary results of the plan.  During any twelve (12)</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43</font></div></div><hr style="page-break-after:always"><div><a name="sB776B95AFFA7592DA9E5774300DCE757"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">month period, the month immediately following Bank&#8217;s initial failure to meet any Service Level shall be a cure month (&#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Cure Month</font><font style="font-family:inherit;font-size:11pt;">&#8221;) [***]. If Bank fails to meet the same Service Level more than once during any twelve (12) month period [***], Company will be eligible for a Performance Credit in the amount corresponding to the magnitude of the failure to meet the Service Level for the second and each subsequent time during such twelve (12) month period.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">By way of illustration, if Bank&#8217;s Critical Service Level is [***], the difference between the target Service Level of [***] and the actual Service Level would be [***] and Bank would pay a Performance Credit in the amount of [***] for the Service Level failure of the Non- Critical Service Level. [***]; provided, that in the event of the foregoing, Company shall have the right to terminate the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Table of Payments for Service Level Failures</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:73px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:88.70370370370371%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:28%;"></td><td style="width:17%;"></td><td style="width:26%;"></td><td style="width:29%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:12px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Difference in Target Service Levels from Actual Service Levels Achieved in</font></div><div style="text-align:center;padding-left:12px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Basis Points</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Critical Service Level Contact Center</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Critical Service Level Non-Contact Center</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Non-Critical Service Level</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-top:14px;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Determination of Bank Events of Default Due to Service Level Failures</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:126%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:126%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:11pt;">The following failures shall each constitute a &#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Service Level Termination Event</font><font style="font-family:inherit;font-size:11pt;">&#8221;: A failure to meet the same Critical Service Level being more than [***] below the target for [***]; or</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:2px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:125%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:125%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:11pt;">A failure to meet any combination of one or more Critical Service Levels [***].</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Company may only exercise its termination rights in respect of any Service Level Termination Event if the applicable Service Level failure(s) has a material adverse effect on the Program or on Company in Company&#8217;s reasonable judgment. [***].</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">44</font></div></div><hr style="page-break-after:always"><div><a name="s8AA31D9C7BE6577BB0E0B8C8454E4EFE"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:81px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Service Levels</font><font style="font-family:inherit;font-size:11pt;">:</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:73px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:89.81481481481481%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:35%;"></td><td style="width:37%;"></td><td style="width:28%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">KEY PERFORMANCE METRIC</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">SERVICE LEVEL REQUIREMENT/GOAL/TARGET</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">CATEGORY</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Average speed of calls answered</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Abandoned call rate</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Call blockage</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Application response turnaround</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Initial Card or Card replacement turnaround time (this does not include expired cards which will be mailed in batch, 3 weeks in advance of the expiration date)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">45</font></div></div><hr style="page-break-after:always"><div><a name="s6FE631EE30CE5129BD3C13C6E3F51F7C"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;padding-left:73px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:89.81481481481481%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:0%;"></td><td style="width:35%;"></td><td style="width:37%;"></td><td style="width:28%;"></td></tr><tr><td><font>&#160;</font></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">KEY PERFORMANCE METRIC</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">SERVICE LEVEL REQUIREMENT/GOAL/TARGET</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">CATEGORY</font></div></td></tr><tr><td><font>&#160;</font></td><td rowspan="3" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">T-Mobile Customer inquiry turnaround time (paper/email)</font></div></td><td rowspan="3" style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td rowspan="3" style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td><font>&#160;</font></td></tr><tr><td><font>&#160;</font></td></tr><tr><td><font>&#160;</font></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Card authorization times</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td><font>&#160;</font></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Card authorization availability</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td><font>&#160;</font></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Website and application uptime</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:122%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46</font></div></div><hr style="page-break-after:always"><div><a name="s099CE0809A2E5FDDAC35B452D35E5213"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-left:73px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:89.81481481481481%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:35%;"></td><td style="width:37%;"></td><td style="width:28%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">KEY PERFORMANCE METRIC</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">SERVICE LEVEL REQUIREMENT/GOAL/TARGET</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">CATEGORY</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Dispute resolution</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Transaction posting</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Statement production</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Statement accuracy</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:122%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47</font></div></div><hr style="page-break-after:always"><div><a name="s24D7D3AA1AD45B2A8F5CE0E5B3B9E635"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:224%;text-align:center;padding-left:324px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT D</font></div><div style="line-height:224%;text-align:center;padding-left:324px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">BANK DUTIES</font></div><div style="line-height:120%;padding-left:81px;padding-top:13px;text-align:justify;text-indent:0px;"><font style="padding-top:13px;text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">1.</font><font style="font-family:inherit;font-size:12pt;">Bank shall administer the Program and provide the T-Mobile Financial Services subject to and in accordance with the Agreement and Applicable Law.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">2.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Approval of Prospective T-Mobile Customers</font><font style="font-family:inherit;font-size:12pt;">.  Bank shall use best efforts, based on mutually agreed upon criteria, to approve prospective T-Mobile Customers that are existing customers of Company to participate in the Program.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Applications</font><font style="font-family:inherit;font-size:12pt;">. Bank shall process all complete T-Mobile Customer Account applications from prospective T-Mobile Customers. Bank shall be responsible for making all decisions regarding the approval of T-Mobile Customer Account applications; provided, that, Bank shall use standards that are at least as favorable to the approval of applications submitted in connection with the Program as the standards used by Bank in connection with prospective Bank customers and with other programs administered or operated by Bank in determining whether to approve T-Mobile Customer Account applications in connection with the Program.  Company acknowledges that Bank has the authority to approve applications and establish T-Mobile Customer Accounts; provided, however, that if Bank&#8217;s approval rate for all completed T-Mobile Customer Account applications is below [***] (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Approval Rate</font><font style="font-family:inherit;font-size:12pt;">&#8221;) for any calendar quarter and does not meet or exceed the Approval Rate in the following calendar quarter, then the Parties shall meet promptly to discuss, in good faith, reasonable adjustments that can be made to meet or exceed the Approval Rate.  If the Parties do not agree upon reasonable adjustments, then Company may terminate the Agreement without penalty. In the event of the foregoing, Bank shall be obligated to provide Transition Assistance Services in accordance with the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Service Lines</font><font style="font-family:inherit;font-size:12pt;">.  Bank shall use standards in connection with the Program that are at least as favorable as the standards used by Bank in connection with Bank&#8217;s customers and with other programs administered or operated by Bank with respect to establishing available products and services and, to the extent applicable, the amount of such products and services, for prospective T-Mobile Customers.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">3.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Service Level Agreements</font><font style="font-family:inherit;font-size:12pt;">.  Bank shall provide and administer the Program and the T-Mobile Financial Services in accordance with the Service Levels in Exhibit C. Bank represents and warrants that such Service Levels are at least as favorable as the service level agreements by which Bank abides in connection with Bank&#8217;s customers and to which Bank agrees in connection with other programs administered or operated by Bank.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">4.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank Reporting Requirements</font><font style="font-family:inherit;font-size:12pt;">.  Bank shall track the metrics set forth in Exhibit I and such other metrics as may be requested by Company from time to time and shall provide to Company the reports set forth in Exhibit I, including any raw data (except for personally identifiable information) requested by Company, in a form acceptable to Company and at the frequency specified in Exhibit I.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">5.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Risk and Fraud Management</font><font style="font-family:inherit;font-size:12pt;">.  Bank shall be responsible for establishing a program to monitor and reduce risk and fraud in connection with the Program.</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">48</font></div></div><hr style="page-break-after:always"><div><a name="sC2D583B4A4D45E7EB510B984CD20368D"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-left:81px;padding-top:6px;text-align:justify;text-indent:0px;"><font style="padding-top:6px;text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">6.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Inactive Account Closures</font><font style="font-family:inherit;font-size:12pt;">. Bank will implement an account closure process that is consistent with Applicable Law and industry best practices to manage fraud losses.  Each of Bank and Company acknowledge and agree that this process may change from time to time upon mutual agreement of the Parties. As of the Effective Date, the Parties agree that the current process will be as follows:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">T-Mobile Customer Accounts that have had no balance and no activity for [***] or more will be closed. After [***] of no balance and no activity, the T-Mobile Customer will be notified by Bank that the T-Mobile Customer Account has had no balance and no activity for [***], and that the T-Mobile Customer Account will be closed if the zero balance and inactivity persists for another [***]. After [***] of no balance and no activity, the T-Mobile Customer will be notified by Bank that, as a result of the T-Mobile Customer Account having no balance and no activity for a period of [***], the T-Mobile Customer Account has been closed.  Bank shall establish a simple reinstatement process that will allow T-Mobile Customers to reinstate their T-Mobile Customer Accounts and deposit any amounts, within the established limits of the Program, in their T-Mobile Customer Accounts through the Mobile Application.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">T-Mobile Customer Accounts that have had a balance of less than [***] and no activity for [***] or more will be closed and a check in the amount of the remaining balance in the T-Mobile Customer Account will be mailed to the T- Mobile Customer&#8217;s last known address. After [***] of a balance of less than [***] and no activity, the T-Mobile Customer will be notified by Bank that the T-Mobile Customer Account will be closed if the balance remains below [***] and the inactivity persists for another [***].  After [***] of a balance of less than [***] and no activity, the T-Mobile Customer will be notified by Bank that the T-Mobile Customer Account will be closed if the balance remains below [***] and the inactivity persists for another [***].  After [***] of a balance of less than [***] and no activity, the T-Mobile Customer will be notified by Bank that, as a result of the T-Mobile Customer Account having a balance of less than [***] and no activity for a period of [***], the T-Mobile Customer Account has been closed and a check for the remaining balance will be mailed to the T-Mobile Customer&#8217;s last known address. Bank shall establish a simple reinstatement process that will allow T-Mobile Customers to reinstate their T-Mobile Customer Accounts and deposit the check received by the T-Mobile Customer or any other amounts, within the established limits of the Program, in their T-Mobile Customer Accounts through the Mobile Application.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">7.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Core Account Management and Services</font><font style="font-family:inherit;font-size:12pt;">. Bank shall provide core T-Mobile Customer Account management and services as further described in this Section 7.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">General</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall obtain any and all information and data from T-Mobile Customers necessary to provide the T-Mobile Financial Services in a manner that is secure and that will enable [***]</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">49</font></div></div><hr style="page-break-after:always"><div><a name="s3F696CC50A015AE8B15DD22D4B7E8631"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]. Bank shall be responsible for proper accounting of all transactional activity through the T-Mobile Customer Accounts, including: (i) [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall provide or otherwise facilitate [***] functionality in connection with the Program.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall provide or otherwise facilitate [***] in connection with the Program.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall provide or otherwise facilitate [***], as mutually agreed by Company and Bank.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall provide [***] in accordance with industry standards.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(vi)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank may provide access to other financial products and services, [***] as may be requested and mutually agreed by the Parties from time to time.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(vii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall service T-Mobile Customer Accounts and Cards and shall provide any and all related services in connection therewith, including, without limitation, direct and indirect T-Mobile Customer support related to T-Mobile Financial Services in accordance with the Service Levels in Exhibit C.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(viii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">At Company&#8217;s request and expense, Bank shall provide [***] any other reasonable activity as may be requested and mutually agreed by the Parties from time to time.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">FDIC Insurance</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall create and maintain Deposit Accounts with certain features [***], as determined by Company from time to time, and offer such Deposit Accounts to T-Mobile Customers in connection with the Program. Bank shall hold T-Mobile Customers&#8217; funds in T-Mobile Customer Accounts in a manner that complies with Applicable Law [***].</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">50</font></div></div><hr style="page-break-after:always"><div><a name="s4D8BA3543C7358FBBC45F5ED12B08675"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:6px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Payment Card Networks</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall maintain, at all times, its status as a participant and member in the payment card networks as necessary and appropriate to properly administer the Program and provide the T-Mobile Financial Services, [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall issue Cards enabled on the payment card networks selected by Company to T-Mobile Customers in accordance with the rules of the payment card networks. Bank shall produce all Cards issued to T-Mobile Customers in connection with any T-Mobile Customer Account, subject to Company&#8217;s approval and in accordance with the payment card network rules and requirements.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall be responsible for: (1) decisioning all Card authorizations initiated by T-Mobile Customers based on the funds available in such T-Mobile Customer Account; (2) maintaining and managing all Cards, both prior to and after the issuance of, such Cards; and (3) managing all aspects of security in connection with such Cards, including allowing T-Mobile Customers to select and change their password identification numbers (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">PINs</font><font style="font-family:inherit;font-size:12pt;">&#8221;) from time to time; in each case, in accordance with the payment card network rules and requirements.</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;text-indent:96px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall be responsible for managing any and all aspects of Card  activity in connection with any T-Mobile Customer Account, including for authorizing, clearing, and settling transactions in connection with the Program and for compliance with the payment card network rules and requirements.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">8.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank Provision of Back Office Support</font><font style="font-family:inherit;font-size:12pt;">. Bank shall provide [***] in connection with the Program in accordance with commercially reasonable standards or as otherwise agreed by the Parties.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">9.</font><font style="font-family:inherit;font-size:12pt;">Bank shall be responsible for maintaining procedures for the identification of each new T-Mobile Customer upon the establishment of a T-Mobile Customer Account within a reasonable time thereafter as required by Applicable Law. Such procedures shall be designed to comply with the requirements of the federal Bank Secrecy Act, the federal USA PATRIOT Act, any regulations adopted pursuant to such acts, as well as applicable regulations of the Office of Foreign Assets Control.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">10.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Digital Services</font><font style="font-family:inherit;font-size:12pt;">. Bank shall develop and maintain a digital banking platform (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Digital Banking Platform</font><font style="font-family:inherit;font-size:12pt;">&#8221;) in accordance with the technical specifications (as mutually agreed by the Parties in connection with the Program, and in accordance with Exhibit F.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">The Digital Banking Platform shall be developed and maintained to function across multiple digital and mobile platforms and shall include, at a minimum, (i) an online banking offering (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Online Offering</font><font style="font-family:inherit;font-size:12pt;">&#8221;) and (ii) a mobile banking offering (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Mobile Offering</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Company reserves the right, in its sole discretion, to select the set of products and features offered by the Bank (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Product and Feature Set</font><font style="font-family:inherit;font-size:12pt;">&#8221;) that shall be developed and maintained in connection with the Digital Banking Platform and to change, from time to time,</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">51</font></div></div><hr style="page-break-after:always"><div><a name="s86D596990A385CD29232B8DBB1DF359F"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">the Product and Feature Set described in Exhibit F offered to T-Mobile Customers.  Company may integrate third-party services into the Digital Banking Platform; provided, that, such integration is permitted by Applicable Law and is consistent with commercially reasonable security standards.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank agrees that, in connection with the Online Offering and the Mobile Offering, Bank shall make available, on a non-discriminatory basis, and implement any and all software, applications, specification standards, software development kits, application programming interfaces, and any related documentation to Company and/or to any third-party service providers designated by Company.  Bank shall be responsible for managing and implementing any and all aspects of the interfaces in connection with the Online Offering and the Mobile Offering and the payment card networks.  Bank shall be obligated to provide the information and materials required pursuant to this Subsection (b) regardless of whether Company&#8217;s Product and Feature Set could compete with any of Bank&#8217;s then-current Product and Feature Sets or future Product and Feature Sets. For the avoidance of doubt, Bank shall be under no obligation to provide Company with Bank&#8217;s source code.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank agrees that, in connection with the Online Offering and the Mobile Offering, Bank shall develop and maintain a mobile application to be used in connection with the Program (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Mobile Application</font><font style="font-family:inherit;font-size:12pt;">&#8221;) in accordance with the design specifications provided by Company. Bank further agrees that the Mobile Application shall be made available to T-Mobile Customers through multiple mobile application stores, [***]. Bank shall develop and maintain the capabilities necessary to provision Cards to any and all mobile wallets designated by Company from time to time, [***] (collectively, the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Mobile Wallets</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Bank shall develop and maintain integration into the Mobile Wallets, as agreed upon by all parties, to enable a T-Mobile Customer to use the Mobile Wallets [***] upon activating and funding a T-Mobile Customer Account. Bank shall deliver to T-Mobile Customers the [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">The Parties shall develop, implement and maintain the customer activation process (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Customer Activation Process</font><font style="font-family:inherit;font-size:12pt;">&#8221;) for new T-Mobile Customers. The Customer Activation Process may be updated or amended from time to time upon mutual agreement by the Parties. The Parties further agree that they will jointly work to develop a method by which they may leverage existing data, in a secure manner, held by Company to pre-qualify prospective T-Mobile Customers for participation in the Program.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(e)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Program Testing</font><font style="font-family:inherit;font-size:12pt;">.  The Parties agree that they will launch a beta version of the Program (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Beta Version</font><font style="font-family:inherit;font-size:12pt;">&#8221;) [***] of the Effective Date (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Beta Program</font><font style="font-family:inherit;font-size:12pt;">&#8221;), the purpose of which is to ensure that the Digital Banking Platform is commercially ready and operationally functional in accordance with the Agreement.  The Parties</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">52</font></div></div><hr style="page-break-after:always"><div><a name="s66CFF072FD155CCDA578961EC6FC20BE"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">agree that, as a condition precedent to launching the Beta Program, the Beta Version must be delivered to and accepted by Company. Upon delivery of the Beta Version to Company, Company shall accept or reject the Beta Version within [***].  If Company accepts the Beta Version, the Parties will launch the Beta Version to designated employees of Company and Bank, as mutually agreed by the Parties. If Company rejects the Beta Version, Company shall notify Bank of such rejection and shall describe, in reasonable detail, Company&#8217;s reason(s) for rejecting the Beta Version (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Rejection Notice</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  Upon receiving the Rejection Notice, Bank shall make any modifications necessary to address Company&#8217;s concerns and shall deliver the updated Beta Version to Company within [***] and Company shall approve or reject the updated Beta Version within [***] after receiving the updated Beta Version.  The Parties shall repeat this process until Company has accepted the Beta Version.  If Bank fails to deliver the agreed upon features and functionality set forth in Exhibit F in the Beta Version, or if Company rejects the Beta Version, and Bank fails to remedy any issue(s) identified in the Rejection Notice within [***], then Company may terminate the Agreement immediately without penalty. Bank shall operate the Beta Program for a period of [***] or for such longer period as may be mutually agreed by the Parties. The Parties shall agree on a process for monitoring the Beta Program and for identifying and correcting any issues with the Beta Version; provided, that, Bank shall be required to correct any issue(s) with the Beta Version (including by implementing any fixes) within [***] of identifying such issue(s). Bank shall be responsible for monitoring the Beta Program and for identifying any issues uncovered through the operation of the Beta Program within [***] of identifying any such issues.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">11.</font><font style="font-family:inherit;font-size:12pt;">Bank will annually obtain and deliver to Company, at Bank&#8217;s sole expense, a Statement on Standards Attestation Engagement (SSAE) No. 16 Service Organization Controls (SOC) No.1 Type II, the international equivalent (ISAE 3204 Type II report), or an industry equivalent report agreed to by Company for any services performed or outsourced by Bank that are financially relevant to Company (including, without limitation, transaction processing or data-center management). The scope of any report will include control testing of both Bank&#8217;s and any third party&#8217;s information technology systems and any material reports provided to Company and will cover [***]. A full copy of the annual SSAE 16 SOC1 Type II or industry equivalent report will be provided to Company no later than [***]. In response to an inquiry from Company [***], a representative from Bank will provide a bridge letter indicating that there have not been any material changes in the internal controls described in the most recent SOC1 Type II report since it was issued or any significant deficiencies in the design or effectiveness of Bank&#8217;s internal controls and procedures that would require any corrective action.</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">53</font></div></div><hr style="page-break-after:always"><div><a name="s58E0C68DFBD252D5AAF7B6438894B566"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:224%;padding-bottom:4px;padding-top:13px;text-align:left;padding-left:290px;text-indent:60px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT E</font></div><div style="line-height:224%;padding-bottom:4px;padding-top:13px;text-align:left;padding-left:204px;text-indent:60px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">ACCOUNT LOSS [***]</font></div><div style="line-height:120%;padding-left:80px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:88.70214752567693%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:29%;"></td><td style="width:18%;"></td><td style="width:20%;"></td><td style="width:17%;"></td><td style="width:16%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Account Loss [***]</font></div></td><td colspan="2" style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Account Losses in </font></div><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Percentages [***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:25px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:25px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Tier 1</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:25px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:25px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Tier 2</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:25px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:25px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Tier 3</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:13.5pt;"><font style="font-family:inherit;font-size:13.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">For purposes of this Exhibit E, &#8220;Account Loss&#8221; or &#8220;Account Losses&#8221; means &#8220;losses, net of recovery, from fraud, disputed items, return deposits, forced card transactions, and reclamations in connection with Card and T-Mobile Customer Account activity.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Notwithstanding anything to the contrary, the measurement period for Account Losses will be the [***] thereafter (each, a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Measurement Period</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  At the end of a Measurement Period, the Parties will review the Account Losses [***].</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">The Parties agree to meet [***] to review performance of the Account Losses [***].</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">54</font></div></div><hr style="page-break-after:always"><div><a name="s0EFFC2B2005B5F52A93D2279434498DA"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:center;padding-left:260px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:260px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT F</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:260px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">FEATURES AND FUNCTIONALITY</font></div><div style="line-height:120%;text-align:center;padding-left:260px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-left:68px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:91.14583333333334%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:16%;"></td><td style="width:28%;"></td><td style="width:28%;"></td><td style="width:28%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:20px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Timeframe</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:50px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Table Stakes</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:56px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Mobile-First</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:20px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Launch (see above)</font></div></td><td style="vertical-align:top;border-bottom:1px solid 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style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;View transaction history</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Search for transactions</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;View statements</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;View basic account info [***]</font></div><div style="padding-top:4px;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Money In/Money Out:</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Debit card</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">&#160;Account Access:</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-top:4px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">&#160;Activation/Enrollment:</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Streamlined [***] enrollment [***] for checking and savings accounts</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-top:4px;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Money In/Out:</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Mobile wallet provisioning (virtual or physical card)</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Alerts:</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">55</font></div></div><hr style="page-break-after:always"><div><a name="s44DF7BE2E7EC5903BF68F5CD4C24C50F"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;padding-left:68px;font-size:11.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:90.10416666666666%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:17%;"></td><td style="width:27%;"></td><td style="width:28%;"></td><td style="width:28%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Access &amp; security alerts</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:4px;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Self Service:</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Activate debit card</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Secure messaging center</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Contact us (with preloaded contact information)</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Update name, address, phone, 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style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Disclosures</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Other legal agreements</font></div><div style="padding-left:24px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;FAQs</font></div><div style="padding-left:12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid 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style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:4px;text-align:left;padding-left:81px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;text-decoration:underline;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:4px;text-align:left;padding-left:81px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font><font style="font-family:inherit;font-size:6.5pt;">&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:10pt;">Bank will use best efforts to provide this functionality prior to its scheduled launch.</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">56</font></div></div><hr style="page-break-after:always"><div><a name="s111ABCB250675D199217FC118AE4078E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION 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style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid 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style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:81px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt">2  </sup></font><font style="font-family:inherit;font-size:10pt;">These features are excluded from the exclusivity requirements in Section 15.4(b).</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">57</font></div></div><hr style="page-break-after:always"><div><a name="s1531CB3EE26B55E0A9CA3B6A380F9283"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:13px;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT G</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">DESCRIPTION OF [***] CUSHION</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">The basic outline of the feature would be as follows:</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:129px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">58</font></div></div><hr style="page-break-after:always"><div><a name="s13D7574A10AA50C7BC3A7C4A572DEC5F"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:240%;padding-top:13px;text-align:left;padding-left:294px;text-indent:56px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT H INTENTIONALLY BLANK</font></div><div style="line-height:240%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">59</font></div></div><hr style="page-break-after:always"><div><a name="s9DD640079FCA594F9796B07335DE1104"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:100%;text-align:center;padding-left:336px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT I </font></div><div style="line-height:100%;text-align:center;padding-left:345px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:100%;text-align:center;padding-left:336px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">REPORTING</font></div><div style="line-height:100%;text-align:center;padding-left:336px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide the following daily reports or digital information:</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(i)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports with respect to the amount of deposits, the number of transactions conducted by a T-Mobile Customer, and any other relevant metrics.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(ii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports that detail the number and nature of complaints and customer service calls that Bank receives in connection with any Account.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports that detail any unusual, unauthorized, or suspicious activity or transactions involving Accounts.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(iv)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports to monitor Program performance, key operating and risk metrics, service levels, and marketing effectiveness.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(v)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports that detail the number of Account applications submitted, the number of Account applications approved, the number of Account applications denied, and the number of new Accounts generated by channel.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(vi)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports that detail the total number of open accounts, the total number of closed accounts, and the total number of active accounts and such reports shall provide a breakdown of this information by Company subscribers and non-subscribers (i.e., a separate report for subscribers and a separate report for non-subscribers).</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(vii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide any other management reports, as mutually agreed by the Parties.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(viii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports related to the Digital Banking Platform and application reporting, including, without limitation, with respect to performance, usage, and other relevant metrics.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(ix)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports related to the support provided to T-Mobile Customers, including, without limitation, the number of open and closed trouble tickets, any relevant open issues, and other support issues.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:225px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:177px;"><font style="font-family:inherit;font-size:12pt;">(x)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank shall provide reports in connection with revenue and expense performance, business performance, compliance performance, and any other relevant performance measures.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:136px;"><font style="font-family:inherit;font-size:12pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">In addition to the reports required under Section (a) of this Exhibit I, Bank shall</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i) create and deliver separate weekly statistical information about volumes related to the</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">60</font></div></div><hr style="page-break-after:always"><div><a name="s74294B608E405F44A97B9D81C8F2A20E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:88px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">program, (ii) provide, by the third (3rd) business day of the following month, end of month reports to enable Company to accrue for activity occurring in the then-current month, and (iii) provide by the seventh (7th) business day a prior month revenue and expense reports to Company (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Revenue and Expense Reports</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  The Revenue and Expense Reports: (1) shall report gross amounts; (2) shall not net any line items; (3) shall support funds received (i.e., grossed-up reporting should match ACH amounts); (4) shall not include any customer-level information; and (5) shall separate revenue and expenses by Company subscribers and non-subscribers.  Each revenue item or fee identified in the Revenue and Expense Reports shall be a separate line item with the amount of the revenue or fee, as applicable, and the method for calculating the amount (i.e., per unit amount, counts, rates, number of days, etc.).</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">61</font></div></div><hr style="page-break-after:always"><div><a name="s7B1801204EF15372AD067E2A87E151B2"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:13px;text-align:center;padding-left:92px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT J</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:92px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SECURITY SAFEGUARDS, COMPANY INFORMATION, AND CARDHOLDER INFORMATION</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Capitalized terms used but not defined in this Exhibit J shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Applicable Privacy and Data Security Laws</font><font style="font-family:inherit;font-size:12pt;">&#8221; means all privacy, security, data protection, direct marketing, consumer protection, and workplace privacy laws, rules, and regulations and all then-current industry standards, guidelines, and practices with respect to privacy, security, data protection, direct marketing, consumer protection, or workplace privacy, including the collection, processing, storage, protection, and disclosure of personal information.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company Information</font><font style="font-family:inherit;font-size:12pt;">&#8221; means any information [***].</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">1.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Handling of Company Information</font><font style="font-family:inherit;font-size:12pt;">.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank: (a) [***]; (b) will, without limiting any other obligations applicable to Company Information, treat and protect all Company Information as Confidential Information owned (as between Bank and Company) by Company and the Agreement regardless of whether Bank receives it directly from Company, Company affiliates, or any of its or their customers, designees, intermediaries, or other third parties; and (c) will ensure that all persons who have access to Company Information [***].</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank will comply with all Applicable Privacy and Data Security Laws and will not cause Company to be in violation of any Applicable Privacy and Data Security Laws.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank will comply with all written privacy and security policies of Company upon execution of the Agreement or, in the case of future or updated policies, [***], subject to Section 2.4 below.</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:121%;padding-top:6px;text-align:left;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.4.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">If Bank has access to or possesses (including as a result of de-identification of Company Information by Bank) any De-Identified Data (as defined below), Bank covenants that</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></div><hr style="page-break-after:always"><div><a name="s63E53A0CACA15C12A3B9E246AD1F9C63"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***].  &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">De-Identified Data</font><font style="font-family:inherit;font-size:12pt;">&#8221; means Company Information that has been scrubbed, hashed, encrypted, or otherwise obscured to remove any personally identifiable information.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.5.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;[***]</font><font style="font-family:inherit;font-size:12pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.6.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">For clarity, Bank&#8217;s compliance with any particular provision of this Exhibit J will not relieve Bank&#8217;s obligation to protect Company Information and other Confidential Information of Company under all provisions of the Agreement, including this Exhibit J.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">2.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Security Safeguards</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">2.1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall be fully responsible for any authorized or unauthorized collection, storage, disclosure, use of, and access to Company Information under its control or made available to Bank under the Agreement.  Bank will prevent any collection, storage, disclosure, use of, or access to Company Information not expressly authorized by the Agreement. Without limiting Bank&#8217;s other obligations under this Exhibit J, Bank will implement and maintain a comprehensive and effective written information security program appropriate to the nature of the Company Information that: (a) [***] (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Safeguards</font><font style="font-family:inherit;font-size:12pt;">&#8221;), (b) meets industry best practices for such Safeguards, and (c) complies with all Applicable Privacy and Data Security Laws.  Bank will (i) [***], (ii) [***], and (iii) [***]. Company reserves the right to review, upon request, Bank&#8217;s policies, procedures, and practices used to maintain the privacy, security, and confidentiality of Company Information.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">2.2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank shall, while this Agreement is in effect, prepare and maintain an information and physical security program in connection with the Program in accordance with the requirements of its Regulatory Authority and Applicable Law. [***]. Bank shall periodically test such information security infrastructure as required by Applicable Law and its Regulatory Authority and as appropriate and prudent in light of the nature and scope of the</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">63</font></div></div><hr style="page-break-after:always"><div><a name="s8F637D35EC585DA2B405658CD4D9312B"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">activities and operations of Bank and its obligations hereunder.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">2.3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank will: (a) [***]; (b) [***]; (c) [***]; (d) [***]; (e) [***]; (f) [***]; (g) [***]; and (h) [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">2.4 </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Changes to Security Program</font><font style="font-family:inherit;font-size:12pt;">.  Bank will, [***] update its security program and operations (including network and business systems and software) as necessary for ongoing compliance with the Agreement. Such updates will include updates to: (a) [***], (b) [***], (c) maintain current compliance with Applicable Privacy and Data Security Laws, and (d) meet new legal or regulatory requirements under other Applicable Law. To the extent a change in Bank practices is required [***], any changes to Bank&#8217;s security program or other operations in connection with the Program will be made in accordance with the requirements of Bank&#8217;s Regulatory Authority. To the extent additional controls or mitigation plans are required to correct a security vulnerability within Bank Systems (as defined below), identified by a security audit or are required by Applicable Law (including changes in Company policies adopted to comply with Applicable Law), such steps will [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">3.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Security Breaches</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">3.1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank represents and warrants that: (a) [***] (each, a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Security Breach</font><font style="font-family:inherit;font-size:12pt;">&#8221;); and (b) if the Bank Systems have suffered [***] Security Breaches, that Bank has disclosed each Security Breach to Company in writing. Bank represents and warrants that [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">3.2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank will notify Company [***] if Bank learns that there has been any actual Security Breach that may impact Company Information.  In any notification</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">64</font></div></div><hr style="page-break-after:always"><div><a name="s67639AF2BE6454AF80F39649F8DC0C9B"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">to Company required under this Section 3.2, Bank will [***]. Bank will: (a) [***]; and (b) [***]. Bank will [***]. Unless prohibited by Applicable Law or court order, Bank will [***].  Except as required by Applicable Law, (x) [***], and (y) [***] (e.g., [***]) [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:left;text-indent:0px;"><font style="text-align:left;font-family:inherit;font-size:12pt;padding-right:46px;">4.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank Risk Management Review, Annual Security Audits &amp; Visitation and Inspection Rights</font><font style="font-family:inherit;font-size:12pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">4.1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank Risk Management Review</font><font style="font-family:inherit;font-size:12pt;">.  Company reserves the right to require Bank to complete Company&#8217;s Bank Risk Management Review (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">SRMR</font><font style="font-family:inherit;font-size:12pt;">&#8221;) process [***]</font><font style="font-family:inherit;font-size:12pt;color:#1e487c;">.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">4.2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Previous Security Audits</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">.  </font><font style="font-family:inherit;font-size:12pt;">Bank hereby represents and warrants that Bank Systems have been the subject of [***] information security audits conducted by internal employees that report directly to the Bank&#8217;s Board of Directors or, if externally prepared, by a qualified, independent and nationally recognized third party. Bank further represents and warrants that it will share with Company the non-confidential results of the most recent audit and will communicate any steps taken to remedy potential or actual vulnerabilities.  Bank hereby represents and warrants that either: (a) [***]</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">65</font></div></div><hr style="page-break-after:always"><div><a name="s2F22FAB990BF5E01BFA6791D1D921995"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]; or (b) [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">4.3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Future Security Audits</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">. </font><font style="font-family:inherit;font-size:12pt;">[***], Bank will procure, [***], security audits of the Bank Systems, control activities, and processes established and maintained by Bank, including any third-party data centers utilized by Bank. Each such audit will be carried out by an independent registered public accounting firm nationally recognized in the United States and reasonably acceptable to Company, and will conform to the requirements for a SOC2 Type II audit, as set forth in the Statement on Standards for Attestation Engagements No. 16 published by the American Institute of Certified Public Accountants (a &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Security Audit</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  Bank will provide Company with the results of each Security Audit within thirty (30) days of completion (or upon request), including: (a) whether the Security Audit revealed any material findings in the Bank Systems, and (b) if so, the nature of each finding discovered.  If the Security Audit reveals [***], Bank will [***]. Bank will complete all critical corrections within a reasonable timeframe of completion of the Security Audit. Notwithstanding anything in the Agreement to the contrary, Company may terminate the Agreement [***] if Company determines that any material deficiency identified in any Security Audit creates an unacceptable level of risk for Company, its employees, or its customers. In such event, [***]. Bank will give Company a full copy of the reports on which the Security Audit is based and such reports will be treated as Confidential Information of Bank. Bank will also give Company a management representation letter stating that, to the knowledge of Bank management after reasonable investigation, there have been no changes to the control environment between the date of the management representation letter and the date of the Security Audit. [***] between the period covered by the tests of controls and the delivery of the Security Audit. Bank&#8217;s failure to procure the Security Audit or to complete corrections in a timely manner will  be a material breach of the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">4.4.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Visitation and Inspection Rights</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">. </font><font style="font-family:inherit;font-size:12pt;">Company or its authorized representatives, which may not be a competitor of the Bank, may, at any time upon reasonable notice to Bank, visit any or all locations of the Bank to inspect the Bank&#8217;s due diligence for Bank Systems and to assess Bank&#8217;s performance of its obligations under this Exhibit J, and Bank will share with Company any information reasonably requested by Company in connection with due diligence of Bank&#8217;s third party service providers involved with Bank Systems. For purposes of such an inspection, Bank will grant to Company and its representatives reasonable access, during normal business hours, to the Bank and to Program-related books, records, procedures, and information that relate to Bank&#8217;s performance under this Exhibit J, including any Program information Company deems reasonably necessary to ascertain any facts that relate to Bank&#8217;s performance hereunder. If: (a) Company determines in connection with any such inspection that Bank has failed to perform any of its material obligations under this Exhibit J, and (b) Company notifies Bank in writing of Bank&#8217;s breach of this Exhibit J, then Bank will, [***], develop a corrective action plan in cooperation with Company. The corrective action plan will not limit Company&#8217;s rights to terminate this Agreement in accordance with its terms.  Bank will then have</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">66</font></div></div><hr style="page-break-after:always"><div><a name="s5F494FA2902E50B59DD6B71730FBEBEC"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]. Failure to rectify a material failure will be considered a material breach. In addition, Bank&#8217;s obligation to develop a corrective action plan and remediate any failure to perform its obligations under this Exhibit J will survive termination or expiration of this Agreement until such corrective action is deemed complete by Company. Such plan will include timeframes for completion and will be subject to Company&#8217;s reasonable approval and Bank will promptly implement such plan [***]. These inspection and corrective action rights supplement, and in no way limit, Company&#8217;s other rights under the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">4.5.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Application Security Testing</font><font style="font-family:inherit;font-size:12pt;">. The Bank will, [***]. Bank will [***], Company may hire a mutually agreed-upon, independent third party to conduct additional testing in which Bank will submit the software or any applications with access to Company Information to security testing by the independent third party provider. Bank will cooperate with such application security testing, including by making appropriate arrangements for secure access to the application&#8217;s functional software (not source code) if reasonably required. If security testing reveals a vulnerability in the software (or any portion thereof), Bank will correct such vulnerability within the agreed upon reasonable timeframes. The mutually agreed upon independent third party provider or Bank will determine the vulnerability level for purposes of this Section 4. Bank&#8217;s failure to correct a vulnerability will be considered a material breach of the Agreement.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">5.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Access to Company Information</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">5.1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Promptly upon Company&#8217;s request, Bank will provide Company with access to or delivery of Company Information, or any portion thereof identified by Company, being stored, processed, or transmitted or otherwise in Bank&#8217;s possession or control or that of its agent or subcontractor, in a form and format requested by Company.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">5.2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank will [***] notify Company in writing of (a) any inquiry received by Bank or its subcontractor from any individual relating to, among other things, the individual&#8217;s right to access, modify, or correct Company Information and (b) any complaint received by Bank or its subcontractor relating to the processing of Company Information. Bank will [***] comply and fully cooperate with all instructions of Company with respect to any action taken with respect to such inquiry or complaint.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">5.3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Before allowing or enabling a subcontractor or agent to have access to Company Information, Bank must evaluate and validate the subcontractor&#8217;s or agent&#8217;s capabilities to maintain the security of Company Information in accordance with the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:129px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:81px;"><font style="font-family:inherit;font-size:12pt;">6.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Security of Cardholder Information</font><font style="font-family:inherit;font-size:12pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">6.1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">For purposes of this Section 6, &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Cardholder Information</font><font style="font-family:inherit;font-size:12pt;">&#8221; means &#8220;any individual numbers used to identify credit or debit card or other similar card accounts or other personally identifiable information relating to the use of Cards, including the full primary account number, cardholder name, expiration date, service code, track data (from the magnetic stripe or equivalent</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">67</font></div></div><hr style="page-break-after:always"><div><a name="s019AB290255857219A72A61EF9DD251F"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">on a chip), PINs, or PIN blocks.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">6.2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">PCI Standards</font><font style="font-family:inherit;font-size:12pt;">.  Bank represents, warrants, and covenants that Bank is presently in compliance with and will remain, at all times during and after the Term during which Bank stores, processes, or transmits Cardholder Information, in compliance with the most recent effective versions of all rules, regulations, standards, and guidelines adopted or required (a) by any entity offering or supporting payment card networks whose Cardholder Information is handled by Bank, and (b) by the Payment Card Industry Security Standards Council (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Council</font><font style="font-family:inherit;font-size:12pt;">&#8221;), in each case, relating to privacy, data security, or the safeguarding, disclosure, or handling of Cardholder Information, including the Payment Card Industry Data Security Standards, the Payment Card Industry&#8217;s Payment Application Data Security Standard, the Payment Card Industry&#8217;s PIN Transaction Security requirements, Visa&#8217;s Cardholder Information Security Program and Payment Application Best Practices, American Express&#8217;s Data Security Operating Policy, MasterCard&#8217;s Site Data Protection Program and POS Terminal Security program, and the analogous security programs implemented by other payment card networks, in each case, as amended, updated, replaced, or augmented from time to time (the standards described in this clause (c) being collectively referred to as the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">PCI Standards</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Bank will, [***], perform all tasks, assessments, reviews, penetration tests, scans, and other activities required under the PCI Standards (including any compliance guidance related to the PCI Standards issued by the Council, its subordinate bodies, or any successors thereto) and otherwise to validate Bank&#8217;s compliance during the Term with the PCI Standards. To the extent that Bank is hosting a system or application which is Internet facing, its PCI attestation of compliance must be performed by a qualified security assessor. Bank will deliver to Company copies of all documentation necessary to verify compliance with these requirements (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Verification Documentation</font><font style="font-family:inherit;font-size:12pt;">&#8221;). In the event Company reasonably determines that additional Verification Documentation is required under the PCI Standards or likely to be so required to verify such compliance, including a &#8220;Report on Compliance,&#8221; and an associated unqualified &#8220;Attestation of Compliance,&#8221; then, upon Company's request [***], Bank will provide such additional Verification Documentation to Company [***] from Company's request, or the timeframe required for Company to remain compliant, whichever is less. [***], Bank will deliver to Company a copy of the Verification Documentation, applicable to the Cardholder Information environment [***]. [***], Bank will deliver to Company, [***], evidence of a passing vulnerability scan applicable to the Cardholder Information environment conducted within [***]. Bank will [***] notify Company in writing of any exception in a Report on Compliance, Attestation of Compliance, or [***] vulnerability scan if Bank learns that it is no longer PCI Standards compliant or if it reasonably anticipates that it is or will be non-compliant. Such notification will include, in detail, the steps being taken by Bank to remediate such exception or non-compliance.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">6.3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank will not commit any act or omission that causes Company to violate the PCI Standards or to be fined, sanctioned, or penalized for the failure to properly protect, secure, maintain, use, or store Cardholder Information, including by any payment card network, the Council, merchant banks, or any other third party.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:129px;"><font style="font-family:inherit;font-size:12pt;">6.4.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">Bank is solely responsible for the security of Cardholder Information that Bank or</font></div></td></tr></table><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">68</font></div></div><hr style="page-break-after:always"><div><a name="s8B67237D61E55D439509085E4573845E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:81px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">its personnel or subcontractors stores, possesses, transmits or controls.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">6.5.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">Bank will access, use, and disclose Cardholder Information only as and to the extent necessary to: (a) process and otherwise facilitate credit and debit transactions on Company's behalf; (b) comply with Applicable Laws, PCI Standards, payment card network rules and requirements, and written Company policies; and (c) as otherwise instructed in writing by an authorized by an officer of Company.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:81px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">6.6.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">If there is a known Security Breach of Cardholder Information within the Bank&#8217;s Systems, Bank will notify its Regulatory Authority and then Company, and then, as quickly as reasonably possible, provide to Company a list of the compromised T-Mobile Accounts as well as any other information reasonably requested by Company. Bank will work with payment card networks, merchant banks, and any of their respective agents and designees to remediate the situation to minimize financial loss and Bank will cooperate fully with any investigation, verification, testing, and review of Bank&#8217;s compliance with the PCI Standards. This Section 6.6 does not limit Section 3 of this Exhibit.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">7.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Cybersecurity Cooperation</font><font style="font-family:inherit;font-size:12pt;">. Each Party acknowledges the importance of cooperating with the other Party with respect to issues related to cybersecurity and agrees to work with the other Party to establish a cybersecurity partnership team to share insight and best practices, as appropriate, for the mutual benefit of the Parties and for the benefit of the Program. The Parties agree that the cybersecurity partnership team will meet [***].</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:81px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:12pt;padding-right:48px;">8.</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Entire Exhibit</font><font style="font-family:inherit;font-size:12pt;">. If there is any conflict or inconsistency between this Exhibit J and any provision of the Agreement, such conflict or inconsistency will be resolved by giving precedence to this Exhibit J.</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">69</font></div></div><hr style="page-break-after:always"><div><a name="s75C041C53BA855C4892AF0292ABDA320"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:13px;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT 14.6</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">DT MARKS AND COMPANY MARKS</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">DT MARKS</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;padding-left:74px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-Mobile</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&lt;color magenta&gt;</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&lt;Telekom acoustic mark&gt;</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-Mobile (logos)</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:15pt;"><font style="font-family:inherit;font-size:15pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">COMPANY MARKS</font></div><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:228px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:228px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">El [***]</font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:230px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">The [***]</font></div><div style="line-height:240%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">70</font></div></div><hr style="page-break-after:always"><div><a name="sC41E72F1085B58A7A0F03F14CD7128C0"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:240%;padding-top:13px;text-align:center;padding-left:342px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT 14.7 STANDARDS</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:89.2334194659776%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:6%;"></td><td style="width:31%;"></td><td style="width:63%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">#</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">MARK</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">GOODS/SERVICES</font></div></td></tr><tr><td colspan="3" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;font-weight:bold;">IDENTIFICATION OF GOODS/SERVICES</font></div></td></tr><tr><td colspan="3" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">General Banking Services (IC36):  </font><font style="font-family:inherit;font-size:12pt;">Banking and financial services; digital banking services; online banking services; retail banking services; commercial banking services; ATM banking services; banking consultation; savings and deposits; loans and lending; bill pay services; credit card and debit card services; lines of credit; consulting and technological services in the field of financial technology (FinTech), FinTech innovation, banking and financial services, digital banking, and mobile and online payment platforms; providing information in the fields of banking and financial services; administering electronic disbursement of funds for others; and related services</font></div></td></tr><tr><td colspan="3" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">FinTech/White Label (IC42):  </font><font style="font-family:inherit;font-size:12pt;">Software as a service (SaaS) featuring software to allow users to perform electronic banking and financial exchange transactions via a global computer network; providing temporary use of online non-downloadable software to allow users to perform electronic banking and financial exchange transactions via a global computer network; providing temporary use of on-line non-downloadable white label software to allow users to perform electronic financial exchange transactions via a global computer network; software design, development, and customization, and development of white-label software for others, all in the field of financial technology (FinTech); cloud computing and software services, namely, providing white label cloud solutions to others in the field of financial technology (FinTech); </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">[cloud computing and software services, namely, designing, developing, implementing and maintaining backup and disaster recovery plans for others in the field of FinTech </font><font style="font-family:inherit;font-size:12pt;font-style:italic;font-weight:bold;text-decoration:underline;">NOTE</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">: Do you want to include this service?]</font><font style="font-family:inherit;font-size:12pt;">; and related services</font></div></td></tr><tr><td colspan="3" style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Software (IC9): </font><font style="font-family:inherit;font-size:12pt;">Computer application software for the provision of banking and financial services; and related goods</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AND</font><font style="font-family:inherit;font-size:12pt;">&#160;</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">2</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">BANKMOBILE</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AND</font><font style="font-family:inherit;font-size:12pt;">&#160;</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">3</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AND</font><font style="font-family:inherit;font-size:12pt;">&#160;</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">4</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:12px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AND</font><font style="font-family:inherit;font-size:12pt;">&#160;</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">5</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">BANKMOBILE TECHNOLOGIES</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AND</font><font style="font-family:inherit;font-size:12pt;">&#160;</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">71</font></div></div><hr style="page-break-after:always"><div><a name="s802EA08987D351308493F632AD2EE705"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:89.2334194659776%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:6%;"></td><td style="width:31%;"></td><td style="width:63%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">#</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">MARK</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">GOODS/SERVICES</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">6</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">BANKMOBILE LABS</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AND</font><font style="font-family:inherit;font-size:12pt;">&#160;</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">7</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile LABS (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); </font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">AND</font><font style="font-family:inherit;font-size:12pt;">&#160;</font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">8</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">BANKMOBILE VIBE</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">9</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile VIBE (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">10</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile VIBE (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">11</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile VIBE (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">12</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:16px;text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile VIBE (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">13</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Bankmobile Bold</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">14</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Bankmobile Bold (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">15</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Bankmobile Bold (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">16</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">BANKMOBILE DISBURSEMENTS</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services (IC36), FinTech/White Label (IC42); and Software (IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">17</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:28px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile Disbursements (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); and </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr></table></div></div><div style="line-height:126%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">72</font></div></div><hr style="page-break-after:always"><div><a name="s192CF038C32658AFA23B6543218D5746"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:89.2334194659776%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:6%;"></td><td style="width:31%;"></td><td style="width:63%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">#</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">MARK</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cdcdcd;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">GOODS/SERVICES</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">18</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:9px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CurrentCash</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">19</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">POWERED BY BANKMOBILE</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); and </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">20</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">POWERED BY BANKMOBILE (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:9px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); and </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:12px;text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">21</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:12px;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:12px;text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">22</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); and </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:12px;text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">23</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); and </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:12px;text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">24</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BankMobile (logo)</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36), </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">FinTech/White Label </font><font style="font-family:inherit;font-size:12pt;">(IC42); and </font><font style="font-family:inherit;font-size:12pt;font-style:italic;">Software </font><font style="font-family:inherit;font-size:12pt;">(IC9)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">25</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BMPowered University (logo)</font></div></td><td rowspan="3" style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-style:italic;">General Banking Services </font><font style="font-family:inherit;font-size:12pt;">(IC36)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">26</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BMPowered University (logo)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:12px;text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">27</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">BMPowered University (logo)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">73</font></div></div><hr style="page-break-after:always"><div><a name="sFD9E33C91A975899AAFD501F6CC112EB"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:13px;text-align:center;padding-left:202px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SCHEDULE 8.1(h)</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:202px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">APPROVED THIRD PARTY SERVICE PROVIDERS</font></div><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:88.0275624461671%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:50%;"></td><td style="width:50%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#1e487c;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#ffffff;font-weight:bold;">Relationship: Relationship Name</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#1e487c;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#ffffff;font-weight:bold;">Brief Description</font></div></td></tr><tr><td colspan="2" style="vertical-align:middle;background-color:#dadada;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">74</font></div></div><hr style="page-break-after:always"><div><a name="sE515017E33C45C618A96FE2A72B36434"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:88.0275624461671%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:50%;"></td><td style="width:50%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#1e487c;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#ffffff;font-weight:bold;">Relationship: Relationship Name</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#1e487c;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#ffffff;font-weight:bold;">Brief Description</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td colspan="2" style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#dadada;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">75</font></div></div><hr style="page-break-after:always"><div><a name="s336ADE51C64159E896496352E65E1FE7"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:78px;text-indent:432px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:12pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:88.0275624461671%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:50%;"></td><td style="width:50%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#1e487c;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#ffffff;font-weight:bold;">Relationship: Relationship Name</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#1e487c;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;color:#ffffff;font-weight:bold;">Brief Description</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:2px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">76</font></div></div>	</body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.23
<SEQUENCE>3
<FILENAME>a1023cobaltamendment1a.htm
<DESCRIPTION>EXHIBIT 10.23
<TEXT>
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		<title>Exhibit</title>
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<div><a name="sBB272E78355256DC8EE6469E0F6F1E8F"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#242424;">Exhibit 10.23</font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#242424;">EXECUTION COPY</font></div><div style="line-height:120%;padding-top:4px;text-align:left;padding-left:534px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:12px;text-align:center;padding-left:177px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">FIRST AMENDMENT TO</font></div><div style="line-height:120%;text-align:center;padding-left:177px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#212121;font-weight:bold;">PRIVATE </font><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">LABEL </font><font style="font-family:inherit;font-size:11pt;color:#212121;font-weight:bold;">BANKING PROGRAM </font><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:121px;font-size:11pt;"><font style="font-family:inherit;font-size:10.5pt;color:#212121;">This </font><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">FIRST AMENDMENT </font><font style="font-family:inherit;font-size:11pt;color:#212121;font-weight:bold;">TO </font><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">THE PRIVATE LABEL BANKING </font><font style="font-family:inherit;font-size:11pt;color:#212121;font-weight:bold;">PROGRAM</font></div><div style="line-height:128%;padding-top:1px;text-align:justify;padding-left:76px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">AGREEMENT, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">dated </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">as of September 30</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">2017 (the "</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">First Amendment Effective</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;text-decoration:underline;">Date</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">), </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">is by and between </font><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">T</font><font style="font-family:inherit;font-size:11pt;color:#525252;font-weight:bold;">-</font><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">MOBILE USA, INC., </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">corporation </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">organized </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">and existing </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">under the laws </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">of</font><font style="font-family:inherit;font-size:10pt;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">Delaware</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">offices </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">located </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">at </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">12920 </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">SE 38th Street</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">Bellevue</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">Washington 98006</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">-</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">1250 </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">("</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">), and </font><font style="font-family:inherit;font-size:11pt;color:#525252;font-weight:bold;">C</font><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">USTOMERS BANK, </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">a Pennsylvania state-chartered </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">banking institution </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">with a </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">mailing addres</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">of 99 </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">Bridge </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Street</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">Phoenixville</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Pennsylvania </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">19460 (</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">" )</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">amends </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Agreement (as </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">defined below) </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">(this </font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">First</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;text-decoration:underline;">Amendment</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">)</font><font style="font-family:inherit;font-size:10.5pt;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Capitalized </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">terms used but not defined herein </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">have the meanings </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">ascribed </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">terms in the </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:177px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:74px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#343434;">WHEREAS, Bank and Company entered </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">into that </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">certain Private Label </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">Banking </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Program Agreement</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">effective </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">as </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">of February 24</font><font style="font-family:inherit;font-size:10.5pt;color:#6d6d6d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">201</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">7 </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">(the </font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">");</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:74px;text-indent:46px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#212121;">WHEREAS, the </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Agreement sets forth each </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">Party</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">'</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">rights </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">responsibilitie</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">respect to developing</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">marketing</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">and offering </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">the Program; and</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:74px;text-indent:46px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#212121;">WHEREAS, Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">and Company </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">desire to enter into this </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">First Amendment </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">amend </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">certain terms </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">and conditions of </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">the Agreement as set </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">forth </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">below</font><font style="font-family:inherit;font-size:10.5pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:74px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">in consideration </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">the promises</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">covenants, </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">agreements</font></div><div style="line-height:132%;text-align:justify;padding-left:74px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10pt;">&#32;<br></font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">herein, and for other </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">good and valuable </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">consideration, the receipt and </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">sufficiency </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">which </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">are hereby acknowledged, the Parties hereby agree </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">as follows:</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:74px;"><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">AMENDMENTS </font><font style="font-family:inherit;font-size:11pt;color:#212121;font-weight:bold;">TO </font><font style="font-family:inherit;font-size:11pt;color:#343434;font-weight:bold;">THE AGREEMENT</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:78px;text-indent:42px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">l of the </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">is hereby amended by deleting the definition of </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">"T-</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">Mobile Financial </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Services" </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">in its </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">entirety </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">and replacing it </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">the following definition:</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:120px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#343434;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">T-Mobile</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;text-decoration:underline;">Financial</font><font style="font-family:inherit;font-size:10.5pt;color:#212121;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;text-decoration:underline;">Services</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">means the products and </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">services </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">described in </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Exhibit </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">D, the </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">features and </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">functionality set </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">forth on Exhibit </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">F</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">and the </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">additional </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">features</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">functionality</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">and support set </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">forth </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">on Exhibit </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">F</font><font style="font-family:inherit;font-size:10.5pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:127%;text-align:justify;padding-left:74px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.2</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">l of the </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">is hereby further amended by adding the </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">following </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">new defined terms:</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:120px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#525252;">[***] </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">has the meaning ascribed to </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">term in </font><font style="font-family:inherit;font-size:10.5pt;color:#343434;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#212121;">8.1(h) of this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:118px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#343434;">[***]</font></div><div style="line-height:131%;text-align:justify;padding-left:118px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:118px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:118px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:118px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></div><hr style="page-break-after:always"><div><a name="s47E918E4D2865478ABAB1154EFF8CC59"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#242424;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:132%;padding-top:12px;text-align:justify;padding-left:122px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">Enhancements</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">has the meaning ascribed to </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">term in </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">1</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">1(e) of Exhibit D to this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:122px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;text-decoration:underline;">Error</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">has the meaning ascribed to </font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">uch term in Section 11(f)(ii)(6) of Exhibit D to this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:121px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">Maintenance Window</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">has the meaning </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">ascribed </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">term in </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">11</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">(f)(i</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">i)(5).</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:122px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#676767;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">Program</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;text-decoration:underline;">Solution</font><font style="font-family:inherit;font-size:10.5pt;color:#676767;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">has the meaning </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">ascribed </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">uch term in </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">11</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">(a) </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">of Exhibit Dto this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:121px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;text-decoration:underline;">Program Solution Specifications</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">ha</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">the meaning </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">ascribed </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">uch term in </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Section</font></div><div style="line-height:120%;padding-top:1px;text-align:justify;padding-left:122px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#242424;">11(b) of Exhibit D to </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:124px;text-indent:-4px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">Program</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;text-decoration:underline;">Solution</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">Warranty Period</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#676767;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">has the meaning ascribed to </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">t</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">rm in </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">11(c) of Exhibit D to this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:121px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#242424;">[***]</font></div><div style="line-height:130%;text-align:justify;padding-left:121px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:121px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#242424;">[***]</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:121px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">Statement of Work</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">" has the meaning ascribed to such term in Section 11(a) </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">Exhibit D to this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:121px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;text-decoration:underline;">S</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">upport Services</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">has the meaning ascribed to </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">term in </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">11(f)(ii)(2) </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">of Exhibit </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">D to this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:121px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;text-decoration:underline;">Technical</font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;text-decoration:underline;">Improvements</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">has the meaning ascribed to such term in </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">11(d) of </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Exhibit </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">D to this Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:120px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#242424;">[***]</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:164px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:121px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.3</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:11pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">6</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">.</font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">1 of the Agreement is hereby amended and </font><font style="font-family:inherit;font-size:10.5pt;color:#3b3b3b;">restated </font><font style="font-family:inherit;font-size:10.5pt;color:#242424;">as follows:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:165px;text-indent:-44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><a name="s2AA516F8AC3A58AFA3D984C31B654C2A"></a></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:131%;padding-top:12px;text-align:justify;padding-left:120px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10pt;color:#4f4f4f;font-weight:bold;">"</font><font style="font-family:inherit;font-size:10pt;color:#2f2f2f;font-weight:bold;">6.1  </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">shall administer </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the Program and provide the T-Mobile </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Financial Services </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in accordance </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Agreement (including, for the avoidance of </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">doubt, Exhibit D</font><font style="font-family:Arial;font-size:10.5pt;color:#1d1d1d;">)</font><font style="font-family:Arial;font-size:10.5pt;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">use best </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">efforts </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">cause [***],</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">each case</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">accordance with </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Agreement. The </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Parties acknowledge </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">that the offering of the </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">[***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">is </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">subject to regulatory </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">approval</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provided, </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">use be</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">t efforts to obtain such </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">regulatory </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">approval.</font><font style="font-family:inherit;font-size:10.5pt;color:#646464;">"</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:132%;text-align:left;padding-left:74px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.4</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Section 8.l(h) of the Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">is hereby </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">amended </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">by </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">addin</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">g, </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">at </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">end thereof, the following provision:</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:120px;text-indent:1px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Without </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">limiting the </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">generality of </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Section 8.l(h)</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Bank agrees that </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">it </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">will cause [***] to provide certain services </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">connection with the Program (such services, collectively</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">[***] as Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#646464;">' </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">third </font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">-</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">party </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">service </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provider. </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">further </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">agrees that </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">it </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">will </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">use </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">best efforts to </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">manage </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">monitor </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">[***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">manner that </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">ensures [***] provides </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">[***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">accordance with this Agreement as </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">if </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Bank were </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">providing </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">such [***]</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">; </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">provided</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">that Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">be liable </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">for [***] failure </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">to provide the [***]</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">as described herein only to the </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">extent Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">fails to use best </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">efforts </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">to manage </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">and monitor [***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">a manner </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">ensures </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">[***] provides the </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">[***] in </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">accordance </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">with this Agreement. Except as otherwise </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">agreed in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">writing </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">by </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">or as required </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">in a Supervisory </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Objection</font><font style="font-family:inherit;font-size:10.5pt;color:#646464;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">not </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">terminate </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">its relationship </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">[***]; provided</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">that (i) if </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">terminates its relationship </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">with [***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">accordance with </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">8.l(h), Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">shall identify </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">enter </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">into </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">an agreement with a successor service </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provider prior to terminating its relationship </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">[***] </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">and shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">cause </font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">uch </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">successor service </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provider </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">to (A) </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provide the </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">[***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in accordance with this </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Agreement as </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">if Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">were performing such [***] and (B) </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provide </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">such [***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">a manner </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">causes </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">no material disruption to </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">the Program, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">and (ii) </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">'</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">s right to </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">terminate its </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">relationship with [***] as required </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in a </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Supervisory </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Objection </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">be </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">subject to Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">'</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">s obligations set forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Section 8. </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">l(n)."</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:6pt;"><font style="font-family:inherit;font-size:6pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:6px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:162px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:118px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.5</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">The Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">is hereby </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">amended </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">by </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">adding [***] to Schedule</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;padding-left:74px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">8.1</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">(h).</font></div><div style="line-height:120%;text-align:left;font-size:7pt;"><font style="font-family:inherit;font-size:7pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:6px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:164px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:118px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.6</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Section 9.2 of the Agreement is </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">hereby </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">amended and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">restated </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">as follows:</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:117px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;font-weight:bold;">&#8220;</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;font-weight:bold;">9.2&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;text-decoration:underline;">Implementation Fee;</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">Project</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;text-decoration:underline;">Cost-Sharing</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Company agrees </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">pay a </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">fee in </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">the amount of [***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">for </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">development, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">design</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">creation, and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">implementation </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">of the Program (the </font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">Implementation</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;text-decoration:underline;">Fee</font><font style="font-family:inherit;font-size:10.5pt;color:#4f4f4f;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">). The </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Implementation </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">Fee shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">be paid </font><font style="font-family:inherit;font-size:10.5pt;color:#2f2f2f;">[***]</font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><a name="sD080F0DA45835146B4E27D2917E1DB26"></a></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">EXECUTION </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">COPY</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:130%;padding-top:12px;text-align:justify;padding-left:121px;text-indent:1px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">[***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">no later than thirty (30) days </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">following Company's </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">receipt </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">an invoice from Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">The </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Parties </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">acknowledge </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">agree that Company already </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">has made [***] payment </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">referenced </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section 9.2(a)(i).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:121px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">In </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">connection with </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank's </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">provision </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">of the additional </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">features</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">functionality</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">and support set forth on Exhibit F [***], </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">and T-Mobile&#173;</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">pecific </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">busin</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">ss </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">integration </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">logic </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">support)</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">:</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:166px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company agrees to pay to Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">[***] later </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">than </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">thirty </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">(30) day</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">following Company</font><font style="font-family:inherit;font-size:10.5pt;color:#606060;">'</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">receipt </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of an </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">invoice from Bank.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:165px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company agrees </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to pay to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Bank [***] </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the amount</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">set forth on Exhibit </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">B </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">within </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">ninety (90) days </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">following the first calendar </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">day </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">each </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">calendar year </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">during the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Term following </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the launch </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Program for commercial </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">use in the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">United States.</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:120px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company agrees </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">share </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">certain </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">costs with </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank in an </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">amount </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">up to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">[***] subject </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">accordance with </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">terms and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">conditions </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">set forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">on </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Schedule 9.2."</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:128%;text-align:left;padding-left:74px;text-indent:46px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.7</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">The </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Agreement is hereby </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">amended </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">by inserting, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">after Schedule </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">8.l(h), the new </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Schedule 9.2 set </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">forth </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">on Attachment A </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">hereto</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:164px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:121px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.8</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">10.2(b) of the Agreement i</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">hereby </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">amended and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">restated </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">as follows:</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:118px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">"(b) </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Durbin Exemption</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">. In </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">addition </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to any </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">other </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">termination right under this Agreement, either </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">or Bank may </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">terminate </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">accordance with </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">10.2(b) if Bank no longer qualifie</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">for </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the Durbin </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Exemption and fails </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">consummate </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">a transaction and </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">assign this </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Agreement to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Durbin</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">-</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Exempt </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">as contemplated </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">by </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">accordance with Section 8.1(1) and Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">15</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">.12, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">respectively; provided, that (i) neither </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Patty </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">may </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">exercise </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">its right to terminate this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">pursuant to this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">10</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">.</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">2(b) </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">prior to July </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">1, 2019</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">(ii) </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">if </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">either </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Patty exercises its right to terminate this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">pursuant to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">this Section 1</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">0.2(b), </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Party </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">notify the other Party in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">writing </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">no later than </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">thirty (30) </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">days </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">following </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the date </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">on which </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">becomes subject </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to the Interchange Fee Limits </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Patty's decision to terminate this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement, and (iii) </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">notwithstanding </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">anything </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">contrary </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">this Agreement (including either Patty's </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">decision </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">terminate this Agreement pursuant to this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">10</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">.</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">2(b)), </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">perform </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">its obligations </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">under this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">accordanc</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">with the </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">terms of this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">through July 1</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">2020 (the "</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Modified</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Transition</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Assistance Period</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">"). For </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">avoidance </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">of doubt, in the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">event of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the termination </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">pursuant to this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">10.2(b</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">)</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">have the right to the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Sale </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Option."</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:125%;text-align:left;padding-left:73px;text-indent:44px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.9</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">10.4(a) </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">is hereby </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">amended </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">by de</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">l</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">eting </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the first </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">sentence </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in its </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">entirety and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">replacing it with the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">following </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">new </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">sentence:</font></div><div style="line-height:125%;text-align:left;padding-left:73px;text-indent:44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:125%;text-align:left;padding-left:73px;text-indent:44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:125%;text-align:left;padding-left:73px;text-indent:44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:125%;text-align:left;padding-left:73px;text-indent:44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:125%;text-align:left;padding-left:73px;text-indent:44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:125%;text-align:left;padding-left:73px;text-indent:44px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><a name="s4854552A508156FAA00EF63C0EAF0768"></a></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#262626;">EXECUTION </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">COPY</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:131%;padding-top:13px;text-align:justify;padding-left:121px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#545454;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Upon expiration or termination of this Agreement for any reason, except for a Supervisory Objection that directs Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">terminate this Agreement</font><font style="font-family:inherit;font-size:10.5pt;color:#545454;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">upon </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Company's written request, </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">shall continue </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">to perform it</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">obligations under </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">thi</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Agreement for a period that does not exceed eighteen (18) months (the </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;text-decoration:underline;">Transition</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;text-decoration:underline;">Assistance Period</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">"); provided, </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">that</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">notwithstanding anything to the contrary </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">herein, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">(i) if Company elects to accept the Sale Option, the duration of the Transition Assistance Period shall be eighteen (18) </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">month</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">s, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">and (ii) </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">f </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Trans</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">ition </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Assistance Period continues for more than </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">twelv</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">e</font><font style="font-family:inherit;font-size:10.5pt;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">(12) months following the </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">expirat</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">ion </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">or termination </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">this Agreement, the BankMobile Lab and Backoffice </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Serv</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">ic</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">es fee </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">shall be </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">redu</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">ced </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">from [***] per month for the </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">r</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">emainder </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Transition Assistance Period.</font><font style="font-family:inherit;font-size:10.5pt;color:#646464;">"</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:76px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.10</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">10.6 of the Agreement is hereby </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">amended </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">by replacing the reference to the </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">"Term</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">inati</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">on </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Assistance </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Period" </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">referenc</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">to the </font><font style="font-family:inherit;font-size:10.5pt;color:#545454;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Transit</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">on Assis</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">t</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">ance </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Period."</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:76px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.11</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">11.4 of the Agreement is hereby </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">amended </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">by </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">(</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">) </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">adding </font><font style="font-family:inherit;font-size:10.5pt;color:#545454;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">and Bank Privacy Policies" to the </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">h</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">ead</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">in</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">g</font><font style="font-family:inherit;font-size:10.5pt;color:#646464;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">and (ii) adding </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">following </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">ne</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">w </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">provision </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">at </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the end thereof:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:121px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#646464;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Bank will maintain for the duration of the Term </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">privacy policy that </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">comp</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">l</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">ete</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">l</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">acc</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">uratel</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">discloses to </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">consumers </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">th</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">information Bank will provide to </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">connect</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">ion </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the Program</font><font style="font-family:inherit;font-size:10.5pt;color:#646464;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">which privacy policy may change from </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">time </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">to time. Bank agrees to update its privacy policy prior to </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">th</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">launch </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Beta Version</font><font style="font-family:inherit;font-size:10.5pt;color:#545454;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">as necessary</font><font style="font-family:inherit;font-size:10.5pt;color:#545454;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">to comply with this </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Sec</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">ti</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">on </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">11.4. </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">"</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:74px;text-indent:46px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.12</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Exhibit B to the Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">hereb</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">amended by </font><font style="font-family:Arial;font-size:11pt;color:#262626;">(i) </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">deleting the </font><font style="font-family:inherit;font-size:10.5pt;color:#545454;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">BankMobile Lab and </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">Backoffice </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Services" row and </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">rep</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">lacing </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">t </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">with the new </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">"BankMobi</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">le </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Lab and Backoffice Services" row </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">set </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">forth on Attachment B </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">hereto</font><font style="font-family:inherit;font-size:10.5pt;color:#545454;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">and (ii) amending </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">r</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">es</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">tatin</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">g </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">"Card </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Production" section of Exhibit B as </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">set fo</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">rth </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">on </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Attachment B </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">heret</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">o.</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:74px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.13</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Exh</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">ibit </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">D to </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">is h</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">ereby </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">amended by (i) renumbering </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">11 thereof to </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Sect io</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">n 1</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">2 </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">and (ii) </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">in</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">sert</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">ing </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the new </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">11</font><font style="font-family:Arial;font-size:10.5pt;color:#161616;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">se </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">t </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">forth on Attachment </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">C </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">hereto.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:128%;text-align:justify;padding-left:74px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.14</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Exhibit F to the Agreement is </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">hereb</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">amended </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">b</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">deleting Exhibit F </font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">its entirety and replacing it </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the new Exhibit F </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">set 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style="font-family:inherit;font-size:10.5pt;color:#161616;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">hereby amended by inserting the following new </font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">Section 7(c)(v):</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:118px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#383838;">"(v) [***]</font></div><div style="line-height:131%;text-align:justify;padding-left:118px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:118px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div 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style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ [***]                     </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div 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style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">10/10/2017                              </font></div></td></tr></table></div></div><div style="line-height:132%;text-align:left;padding-left:82px;text-indent:46px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div 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material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:115%;text-align:left;padding-left:126px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><a name="sCED73B79E7A95B4B837758477E4116AD"></a></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-left:101px;padding-top:6px;text-align:right;text-indent:378px;"><font style="padding-top:6px;text-align:right;font-family:Arial;font-size:10.5pt;color:#dfcfb3;padding-right:48px;">&#8226;</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">EXECUTION </font><font style="font-family:inherit;font-size:10.5pt;color:#2b2b2b;">COPY</font></div><div 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material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#424242;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:13.5pt;"><font style="font-family:inherit;font-size:13.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;padding-left:298px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#424242;font-weight:bold;">SCHEDULE 9.2</font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:86.40441683919946%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:0%;"></td><td style="width:21%;"></td><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:19%;"></td></tr><tr><td><font>&#160;</font></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:58px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Release</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:14px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:13px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Amount of Payment</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:8px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:38px;text-indent:-12px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Bank's Minimum Requirements</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:8px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Date on which Bank Must Satisfy Minimum Requirements</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:left;padding-left:32px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Payment Terms</font></div></td></tr><tr><td><font>&#160;</font></td><td rowspan="21" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:57px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Test 0.4</font></div></td><td rowspan="21" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:14px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td rowspan="21" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;padding-left:5px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">To be eligible to receive a payment in the amount set forth in the second column, Bank must satisfy the following minimum requirements:</font></div><div style="padding-top:1px;padding-left:28px;text-indent:-24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:1px;padding-left:28px;text-indent:-24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:1px;padding-left:28px;text-indent:-24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:1px;padding-left:28px;text-indent:-24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:1px;padding-left:28px;text-indent:-24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:1px;padding-left:28px;text-indent:-24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:1px;padding-left:28px;text-indent:-24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:1px;padding-left:28px;text-indent:-24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-top:1px;padding-left:29px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***] integration in a test environment</font></div></td><td rowspan="21" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td rowspan="21" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Company will make a payment in the amount set forth in the second column following </font></div><div style="padding-top:1px;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Bank's satisfaction of </font></div><div style="padding-top:1px;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">the minimum </font></div><div style="padding-top:1px;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">requirements in accordance with the terms hereof.  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style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#4d4d4d;">EXECUTION </font><font style="font-family:inherit;font-size:11pt;color:#3b3b3b;">COPY</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8</font></div></div><hr 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style="width:21%;"></td><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:19%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Release</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Amount of Payment</font></div></td><td style="vertical-align:top;border-bottom:1px solid 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style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Payment Terms</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">minimum requirements by [***], is caused solely by Company's failure to perform a material obligation mutually agreed to by the Parties </font></div><div 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Requirements</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="padding-top:1px;text-align:center;padding-left:8px;text-indent:1px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;color:#565656;">Date on which </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;color:#424242;">Bank Must Satisfy </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;color:#565656;">Minimum Requirements</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="padding-top:1px;padding-left:30px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;color:#565656;">Payment </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;color:#424242;">Terms</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="padding-top:1px;padding-left:5px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#565656;">T</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">est </font><font style="font-family:inherit;font-size:11pt;color:#424242;">0.4 </font><font style="font-family:inherit;font-size:11pt;color:#565656;">rel</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">ease </font><font style="font-family:inherit;font-size:11pt;color:#424242;">and the </font><font style="font-family:inherit;font-size:11pt;color:#565656;">Beta 1.1 r</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">elease </font><font style="font-family:inherit;font-size:11pt;color:#424242;">no </font><font style="font-family:inherit;font-size:11pt;color:#565656;">later </font><font style="font-family:inherit;font-size:11pt;color:#727272;">t</font><font style="font-family:inherit;font-size:11pt;color:#424242;">han [***], </font><font style="font-family:inherit;font-size:11pt;color:#565656;">th</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">en </font><font style="font-family:inherit;font-size:11pt;color:#424242;">Bank will be entitled to a payment in </font><font style="font-family:inherit;font-size:11pt;color:#565656;">the </font><font style="font-family:inherit;font-size:11pt;color:#424242;">amount set forth </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">in </font><font style="font-family:inherit;font-size:11pt;color:#424242;">the second </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">co</font><font style="font-family:inherit;font-size:11pt;color:#565656;">lumn </font><font style="font-family:inherit;font-size:11pt;color:#424242;">for </font><font style="font-family:inherit;font-size:11pt;color:#565656;">the T</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">est </font><font style="font-family:inherit;font-size:11pt;color:#424242;">0.4 r</font><font style="font-family:inherit;font-size:11pt;color:#1a1a1a;">e</font><font style="font-family:inherit;font-size:11pt;color:#565656;">l</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">ease </font><font style="font-family:inherit;font-size:11pt;color:#424242;">or </font><font style="font-family:inherit;font-size:11pt;color:#565656;">the </font><font style="font-family:inherit;font-size:11pt;color:#424242;">balance of </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">the </font><font style="font-family:inherit;font-size:11pt;color:#424242;">amount set forth in th</font><font style="font-family:inherit;font-size:11pt;color:#1a1a1a;">e </font><font style="font-family:inherit;font-size:11pt;color:#424242;">second </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">column </font><font style="font-family:inherit;font-size:11pt;color:#565656;">if </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">the </font><font style="font-family:inherit;font-size:11pt;color:#565656;">payment 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#00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;padding-left:46px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="padding-top:1px;padding-left:5px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#424242;">To </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">be eligible </font><font style="font-family:inherit;font-size:11pt;color:#424242;">to </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">receive </font><font style="font-family:inherit;font-size:11pt;color:#424242;">a payment in </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">an amount </font><font style="font-family:inherit;font-size:11pt;color:#424242;">set forth in </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">the second </font><font style="font-family:inherit;font-size:11pt;color:#424242;">column, Bank must </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">satisfy </font><font style="font-family:inherit;font-size:11pt;color:#424242;">the minimum requir</font><font style="font-family:inherit;font-size:11pt;color:#1a1a1a;">e</font><font style="font-family:inherit;font-size:11pt;color:#424242;">ments </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">applicab</font><font style="font-family:inherit;font-size:11pt;color:#565656;">l</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">e </font><font style="font-family:inherit;font-size:11pt;color:#424242;">to the </font><font style="font-family:inherit;font-size:11pt;color:#565656;">Te</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">st </font><font style="font-family:inherit;font-size:11pt;color:#424242;">0.4 release, in </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">addition </font><font style="font-family:inherit;font-size:11pt;color:#424242;">to the following additional requirements</font><font style="font-family:inherit;font-size:11pt;color:#1a1a1a;">:</font></div><div style="padding-top:1px;padding-left:29px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#424242;">&#8226;</font><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;color:#424242;">[***]</font></div><div style="padding-top:1px;padding-left:29px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#424242;">&#8226;</font><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;color:#424242;">[***] integration in a</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">December 15, 2017</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="padding-top:1px;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#565656;">Company </font><font style="font-family:inherit;font-size:11pt;color:#424242;">will mak</font><font style="font-family:inherit;font-size:11pt;color:#1a1a1a;">e </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">a </font><font style="font-family:inherit;font-size:11pt;color:#424242;">payment in the amount set </font><font style="font-family:inherit;font-size:11pt;color:#565656;">forth in </font><font style="font-family:inherit;font-size:11pt;color:#424242;">the second column </font><font style="font-family:inherit;font-size:11pt;color:#565656;">followin</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">g </font><font style="font-family:inherit;font-size:11pt;color:#565656;">Bank</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">'s </font><font style="font-family:inherit;font-size:11pt;color:#424242;">satisfaction </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">of </font><font style="font-family:inherit;font-size:11pt;color:#565656;">th</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">e </font><font style="font-family:inherit;font-size:11pt;color:#565656;">minimum requirements in </font><font style="font-family:inherit;font-size:11pt;color:#424242;">accordance </font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">with </font><font style="font-family:inherit;font-size:11pt;color:#424242;">the </font><font style="font-family:inherit;font-size:11pt;color:#565656;">t</font><font style="font-family:inherit;font-size:11pt;color:#2f2f2f;">er</font><font style="font-family:inherit;font-size:11pt;color:#565656;">ms </font><font style="font-family:inherit;font-size:11pt;color:#424242;">hereof. 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has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:87.27272727272727%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:20%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Release</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Amount of Payment</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Bank&#8217;s Minimum Requirement</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Date on which Bank Must Satisfy Minimum Requirements</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Payment Terms</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #2f2f2f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;padding-left:24px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">production environment</font></div><div style="padding-top:1px;padding-left:24px;text-indent:0px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;     [***]</font></div><div style="padding-top:1px;padding-left:24px;text-indent:0px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;     [***] features, as available</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">then the amount of payment set forth in the second column will be [***]. If Bank fails to satisfy the minimum requirements by [***], then Bank [***] second column.</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Notwithstanding the immediately preceding sentence, (i) if Bank's failure to satisfy the minimum requirements </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">by [***], is caused solely by Company's failure to perform a material obligation mutually </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">agreed to by the Parties </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">in writing during the weekly steering </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">meetings for the </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Program, Company will </font></div><div style="font-size:11pt;"><font 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name="sC1728C86CB0357D186053CC75A4D2CC5"></a></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#575757;">EXECUTIO</font><font style="font-family:inherit;font-size:11pt;color:#313131;">N </font><font style="font-family:inherit;font-size:11pt;color:#444444;">COPY</font></div><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain 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style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:left;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">perform a material obligation mutually agreed to by the Parties in writing during the weekly steering meetings for the Program, Company will be responsible for making a payment in the amount owed to Bank as of the date the Bank would have met the minimum requirements but for Company's failure to perform the material obligation mutually agreed to by the Parties in writing during the weekly steering meetings for the Program.</font></div></td></tr></table></div></div><div style="line-height:128%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14</font></div></div><hr style="page-break-after:always"><div><a name="s51DDCB9F465259649CA8DE3047A9545B"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:5px;text-align:left;padding-left:8px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:8.5pt;"><font style="font-family:Arial;font-size:8.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#383838;">EXECUT</font><font style="font-family:inherit;font-size:10.5pt;color:#161616;">I</font><font style="font-family:inherit;font-size:10.5pt;color:#383838;">ON COPY</font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#383838;font-weight:bold;">ATTACHMENT </font><font style="font-family:inherit;font-size:11pt;color:#262626;font-weight:bold;">B </font><font style="font-family:inherit;font-size:11pt;color:#383838;font-weight:bold;">TO THE FIRST AMENDMENT</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15</font></div></div><hr style="page-break-after:always"><div><a name="sEBF0F8E2E2075118888D5B77B36E2B16"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#575757;">&#32;&#32;&#32;&#32;&#32;&#32;EXECUTIO</font><font style="font-family:inherit;font-size:11pt;color:#313131;">N </font><font style="font-family:inherit;font-size:11pt;color:#444444;">COPY</font></div><div style="line-height:120%;text-align:left;font-size:7pt;"><font style="font-family:inherit;font-size:7pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:85.27443105756359%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:29%;"></td><td style="width:22%;"></td><td style="width:27%;"></td><td style="width:22%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:69px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><a name="sF97121E634415569883D9476C44F1AF7"></a></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-left:70px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:91.30434782608695%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:27%;"></td><td style="width:23%;"></td><td style="width:23%;"></td><td style="width:27%;"></td></tr><tr><td colspan="4" style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;text-indent:1px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Card Production</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Additional customization available on a quoted basis</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="padding-top:1px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Additional customization available on a quoted basis</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:66px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Digital Wallet</font></div></td></tr></table></div></div><div style="line-height:120%;padding-left:70px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:Arial;font-size:9.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#1f1f1f;">EXECUTION </font><font style="font-family:inherit;font-size:11pt;color:#333333;">COPY</font></div><div style="line-height:120%;padding-top:10px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#333333;font-weight:bold;">ATTACHMENT C TO THE FIRST AMENDMENT</font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:200px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18</font></div></div><hr style="page-break-after:always"><div><a name="sD70520E4DFC153E299EF205FC450802C"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">EXECUTION COPY</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:121px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10.5pt;padding-left:77px;"><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">11.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:10.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Delivery</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">and</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Acceptance of</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Program Solutions</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:76px;text-indent:46px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Delivery</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">. Company may inquire about the quality </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">progress of </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">deliverable </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">contemplated </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in the Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in any </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">statement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">work </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">between the Patties, including, for the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">avoidance of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">doubt, the Digital Banking Platform and the Mobile Application </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">(each such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">deliverable, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Program</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Solution</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">," and each such statement of work</font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Statement of</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Work</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">") </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">at any </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">time </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">and may </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">inspect </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">any such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">upon reasonable notice to Bank. Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">will </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">deliver any Program </font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">S</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">olution either </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">electronically or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">destination designated by </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company. For </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">avoidance of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">doubt</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">be under no </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">obligation to </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">disclos</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">its </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">source code for any such Program Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;padding-top:1px;text-align:justify;padding-left:78px;text-indent:42px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Acceptance of</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Program</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;text-decoration:underline;">S</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">olutions</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">.&#160;&#160;&#160;&#160;Exc</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">pt </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">as oth</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">rwi</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">se </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">provided </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in</font><font style="font-family:inherit;font-size:10.5pt;color:#9c9c9c;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">the Agreement </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">(including in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">10(e) of this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Exhibit </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">D)</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">each </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution will </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">be </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">subject </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">acceptance </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">periods </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">set forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in thi</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section 11</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Except </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">as </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">otherwise provided </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement (including </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">10(e) </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">this Exhibit D)</font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company will </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">have [***] following the delivery of any Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">luti</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">on </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">evaluate such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">and to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">submit a wr</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">itt</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">en </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">notice </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of acceptance or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">rejection </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to Bank. </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">The Parties </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">may mutually </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">agree </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">longer </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">time </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">period </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">for Company's </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">review and </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">acceptance or rejection of any Program Solution. Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">may reject </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">any Program Solution or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">any portion thereof if </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such Program Solution or such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">portion thereof does not </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">conform </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">specifications</font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">technical requirements</font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">and other </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">requirements </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of Company (collectively</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Program So</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;text-decoration:underline;">luti</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">on Specifications</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">") applicable </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such Program Solution; </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">provided</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company shall specify in </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">reasonable detail the nature </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the nonconformance </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution. If Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">rejects any Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">luti</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">on or any </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">portion thereof, Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">correct </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution or such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">portion thereof and </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">deliver the updated Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">within [***] following Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">'</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">receipt of </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">rejection notice.  If Bank is unable to correct the nonconformance of </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution or any </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">portion thereof </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">and gain Company's acceptance of such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">portion thereof, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">then Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">may provide notice </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">rejection </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">This process </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">sha</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">ll </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">be </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">repeated </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">until </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company either </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">rejects </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">a</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">n</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">luti</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">on or notifies </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">writing of Company' </font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">acceptance of such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">or until Bank notifies </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">that the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Program Solution Specifications </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">for such Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution will </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">need to be modified in order to achieve </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">acceptance, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">which case</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">if </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company agrees in </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">its reasonable discretion to modify the Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution Specifications, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the process for </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">acceptance of such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">as modified</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">will </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">be repeated in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">accordance with </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section 11(b). </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">luti</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">ons </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">provided to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company will </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">not be deemed accepted until </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">provides </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">wr</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">itt</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">en </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">notice </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of acceptance of such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solutions</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">For </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">avoidance of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">doubt, payment </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">for such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solutions </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">prior to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">acceptance will </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">not </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">constitute acceptance thereof,</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">and is </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">without prejudice </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">claims that </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">may have against Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">for </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">breach </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank's </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">obligations </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">under the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Agreement or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Statement of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Work.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:73px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Warranty</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">.&#160;&#160;&#160;&#160;Bank warrants </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">that</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">from </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the date </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">acceptance of any Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution through </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Term </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">(the </font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Program</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Solut</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;text-decoration:underline;">ion</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Warranty Period</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">)</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution shall conform </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">all </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">material </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">respects with, and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">perform the functions </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">set forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in</font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solut</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">on Specifications and shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">be </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">free from </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">defects in design</font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">material</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">workmanship. </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">If, during the Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Warranty </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">P</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">riod, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank is notified by </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">of any </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">defects in design, material</font><font style="font-family:inherit;font-size:10.5pt;color:#5b5b5b;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">or </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">workmanship, or of any </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">nonconformity </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solut</font><font style="font-family:inherit;font-size:10.5pt;color:#0a0a0a;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">on Specifications, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">then </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Bank shall correct </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the applicable Program </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Solution, at </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#4b4b4b;">'</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">s expense and</font></div><div style="line-height:130%;text-align:justify;padding-left:73px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19</font></div></div><hr style="page-break-after:always"><div><a name="sE38BCC2D3AD95BD286E05C566BC01198"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:76px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">at </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">no </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">cost to Company, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">accordance with the Response </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Time</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">the Workaround </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Time</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the R</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">eso</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">lution </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Time </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">requirement</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">set forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Section </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">11</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">(f) of </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Exhibit </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">D. </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">S</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">uch </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">correction shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">include, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">without </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">limitation</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">all </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">material, labor, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and services </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">connection with correcting </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the app</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">l</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">icable Program Solution.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:76px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">(d)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">Maintenance</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">. Throughout </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Term, Bank will </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provid</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">all fixe</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">patches</font><font style="font-family:inherit;font-size:10.5pt;color:#606060;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and other </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">imilar </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">technical </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">improv</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">emen</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">t</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">to any Program Solution (collectively, </font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">Technical</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">Improvem</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;text-decoration:underline;">en</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">ts</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">") </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">at no </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">additional cost </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Company. All </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">uch </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Technical Improvements will be subject to the terms of the Agreement. For the </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">avoidan</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">ce </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">of doubt</font><font style="font-family:inherit;font-size:10.5pt;color:#606060;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">ha</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">no </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">obligation to </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">impl</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">emen</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">t </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">T</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">ec</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">hnical Improv</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">ment</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">unle</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">ss </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and until such </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">T</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">ec</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">hnical Improv</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">ment </font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">h</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">ave </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">been </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">accepted </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">b</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">pur</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">uant to </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">Sec</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">tion 11</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">(b</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">). </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">Co</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">mpan</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">will not </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">have </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">any obligation to </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">u</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">se </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">any Technical </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Improvement</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">provided by Bank and Bank will not make any changes that result </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">de</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">gra</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">dation </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">to the functionality or performance of any </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">lution </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">without Company </font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">' s </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">prior </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">written consent. Notwithstanding anything to </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">contrary, Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">may not </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">make </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">material </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">changes </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">impact th</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">feature</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">/</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">or functionality of any </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Pro</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">gra</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">m </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">lution </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">without the prior written approva</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">l </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">of Company.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:76px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">Updates and Upgrades</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provide </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">to Company</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">maintain</font><font style="font-family:inherit;font-size:10.5pt;color:#606060;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">lution </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">with any </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">and all </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">enhancements, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">updates</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">upgrade</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">new </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">versions of the </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">lutions </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">(collectively</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">Enhancements</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">") that </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank makes </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">commercially </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">available in the </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">form and format </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">reasonably </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">pecified </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">by Company. Such Enhancements shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">b</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">deemed to be Program </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Solutions </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">if </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">such Enhancements </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">are included by Bank a</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">part </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">o</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">f </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Solutions and shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">be </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">covered </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">by the </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Support Services set forth in </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Agreement. Company shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">have the right </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">review </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">approve any </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Enhancement of </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">any Program </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">before </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">such Enhancement </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">is di</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">tributed </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">for commercial </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">use in </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">connection with the </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Program.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:76px;text-indent:45px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">(f)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">Service Levels and Support for</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">Program</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">Solutions</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">. The following </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">serv</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">ice lev</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">l </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and support </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">requirements </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">apply to </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">the Program Solutions and shall supplement </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Service </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Leve</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">l</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">s set </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">forth in </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Exhibit C of </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">Availability</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">hall provid</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Solutions </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">accordance with </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">th</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Agreem</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">nt </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">[***].</font></div><div style="line-height:132%;padding-top:6px;text-align:left;padding-left:76px;text-indent:90px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;     </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">General</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;text-decoration:underline;">S</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;text-decoration:underline;">upport</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">.  </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Bank shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provide </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">upport </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">for </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the Program </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">lution</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">as </font></div><div style="line-height:132%;padding-top:6px;text-align:left;padding-left:76px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">set forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">below</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">.</font></div><div style="line-height:134%;padding-top:6px;text-align:justify;padding-left:74px;text-indent:136px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(1)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">hall provide </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">all necessar</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">resource</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">to support acceptance </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">testin</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">g, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">trouble</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">hootin</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">g, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">implementation </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the Pro</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">g</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">ram </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Solutions.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:74px;text-indent:136px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(2)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">shall provide all support and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">maintenance </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">services, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">including technical </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">support serv</font><font style="font-family:inherit;font-size:10.5pt;color:#050505;">i</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">ces, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">are necessary for the Program Solutions </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">to perform in accordance </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">with </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Agreement, any Statement of </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Work</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">So</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">lution </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">S</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">pecifications</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">o</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">ther </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">applicable </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">technical document</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">r</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">eq</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">uir</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">ments </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">(collectively, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;text-decoration:underline;">Support Services</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">). </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">provide </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">uch </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Support Services </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">[***]</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">accordance with </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Re</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">ponse </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Time</font><font style="font-family:inherit;font-size:10.5pt;color:#606060;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Workaround Time</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">R</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">eso</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">lution Time requirements </font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">se</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">t </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">b</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">e</font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">low at no </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">additional cost </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">Company. </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">shall ensure </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#2d2d2d;">each of </font><font style="font-family:inherit;font-size:10.5pt;color:#1d1d1d;">it</font><font style="font-family:inherit;font-size:10.5pt;color:#3f3f3f;">s</font></div><div style="line-height:130%;text-align:justify;padding-left:74px;text-indent:136px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:74px;text-indent:136px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:74px;text-indent:136px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:74px;text-indent:136px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20</font></div></div><hr style="page-break-after:always"><div><a name="sBDA8402EA7F2515BB9D038827162E196"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:Arial;font-size:9.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#363636;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:100%;padding-top:6px;text-align:justify;padding-left:77px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">personnel performing any Support Services are experienced, knowledgeable, and qualified in the use, maintenance, </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">and support </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">of all Program Solutions. Bank will provide </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">contact </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">information for Bank's technical </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">support, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">including a toll-free telephone number and email addresses</font><font style="font-family:inherit;font-size:10.5pt;color:#5e5e5e;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">within a reasonable period of time.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:130%;text-align:justify;padding-left:76px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#232323;">In </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">addition to the above </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">contact </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">information</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Bank may provide direct numbers and dedicated support and </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">account </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">representatives to </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">writing</font><font style="font-family:inherit;font-size:10.5pt;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Bank may </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">change </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">the foregoing </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">contact </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">information from time to time b</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">delivering written </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">notice </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">to Company </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">as </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">soon as reasonably </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">practicable in advance </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">of such change; </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">provided</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">that at least </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">one </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">number or </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">address </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">is </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">available </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">for </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">each </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">means </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">of contact at all </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">times.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:76px;text-indent:136px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(3)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">monitor the Program </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Solutions </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">to ensure that </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">they</font><font style="font-family:inherit;font-size:10.5pt;color:#afafaf;">&#183; </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">are </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">being provided </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">according </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">to the Agreement</font><font style="font-family:inherit;font-size:10.5pt;color:#5e5e5e;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Statement </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">of Work</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">the Program </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Solution Specifications, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">and an</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">other </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">applicable technical documents and requirements.</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:76px;text-indent:134px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(4)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Bank promptly </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">report all </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">outages, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">including </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">performance degradation</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">to the </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">contact </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">person </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">or email alias </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">identified by </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Company </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">from time to time.</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:76px;text-indent:136px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(5)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Bank may </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">schedule </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">upgrade</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">and maintenance for the Program </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Solutions at </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">commercially reasonable hours (the </font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;text-decoration:underline;">Maintenance Window</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">"); </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;text-decoration:underline;">provided</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">that Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">notify Company in </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">writing </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">[***].</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:131%;text-align:justify;padding-left:74px;text-indent:136px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(6)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">communicate to Company immediately any non- </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">scheduled </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">or emergency maintenance that may impact the Program Solutions</font><font style="font-family:inherit;font-size:10.5pt;">. </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Bank's failure to notify </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Company of </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">a Maintenance Window </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">or </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">an unscheduled </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">or </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">emergency maintenance period that results in any failure of </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">to perform and operate in accordance with the Agreement, any </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Statement of </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Work, Program Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Specifications, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">and any other technical </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">or </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">other requirements of Company (</font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">each, </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">an </font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;text-decoration:underline;">E</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;text-decoration:underline;">rror</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">) that </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">constitutes a Severity </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Level I </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">or Severity Level 2 </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">(as defined below) </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">condition </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">in a </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">given year </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">will </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">constitute a </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">material breach </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">the Agreement.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:74px;text-indent:90px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#363636;text-decoration:underline;">Severity</font><font style="font-family:inherit;font-size:10.5pt;color:#363636;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#232323;text-decoration:underline;">Levels</font><font style="font-family:inherit;font-size:10.5pt;">.  </font><font style="font-family:inherit;font-size:11pt;color:#232323;">If </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Bank detects an Error with any Program </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Solution, or </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">if Company </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">reports </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">an </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Error with any </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">to Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#4d4d4d;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">such Error </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">will be promptly </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">classified </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">by </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">such </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Party in accordance with the table below.</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:88.30409356725146%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:49%;"></td><td style="width:51%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #0f0f0f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #1c1c1c;border-right:1px solid #232323;border-top:1px solid #1c1c1c;"><div style="padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;text-decoration:underline;color:#363636;">Severity </font><font style="font-family:inherit;font-size:10.5pt;text-decoration:underline;color:#232323;">Level</font></div></td><td style="vertical-align:top;border-bottom:1px solid #0f0f0f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #232323;border-right:1px solid #181818;border-top:1px solid #1c1c1c;"><div style="text-align:left;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;text-decoration:underline;">Definition</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #3b3b3b;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #1c1c1c;border-right:1px solid #232323;border-top:1px solid #0f0f0f;"><div style="text-align:left;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Severity Level I</font></div></td><td style="vertical-align:top;border-bottom:1px solid #3b3b3b;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #232323;border-right:1px solid #181818;border-top:1px solid #0f0f0f;"><div style="text-align:justify;padding-left:5px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">An emergency condition </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">which </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">makes the use </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">or continued </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">use </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">of any one or </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">more critical functions of </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">any </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Program </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Solution </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">impossible or </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">severely </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">impacts </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">majority of users.</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #1c1c1c;border-right:1px solid #383838;border-top:1px solid #3b3b3b;"><div style="padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#363636;">Severity </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Level 2</font></div></td><td style="vertical-align:top;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #383838;border-right:1px solid #181818;border-top:1px solid #3b3b3b;"><div style="text-align:justify;padding-left:5px;text-indent:1px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">Any </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">condition </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">lasting longer [***] which makes the use or </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">continued </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">use of any </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">one </font><font style="font-family:inherit;font-size:10.5pt;color:#232323;">or more functions of any Program Solution difficult </font><font style="font-family:inherit;font-size:10.5pt;color:#363636;">and which Company cannot</font></div></td></tr></table></div></div><div style="line-height:120%;padding-left:66px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-left:66px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-left:66px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-left:66px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21</font></div></div><hr style="page-break-after:always"><div><a name="sD273C9A576CF530CAEF5EAF5CA8B414E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;padding-left:0px;text-indent:0px;font-size:10.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:86.86481303930968%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:49%;"></td><td style="width:51%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #282828;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #1f1f1f;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:justify;padding-left:5px;text-indent:1px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">reasonably </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">circumvent or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">avoid </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">on </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">a temporary basis </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">without </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">expenditure of significant </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">time </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">or effort.</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #232323;border-top:1px solid #282828;"><div style="padding-top:2px;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Severity </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Level </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">3</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #232323;border-right:1px solid #3b3b3b;border-top:1px solid #000000;"><div style="text-align:justify;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Any </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">limited problem </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">condition which </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">is not </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">critical </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">no loss </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">data </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">occurs and which Company </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">can reasonably </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">circumvent </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">or </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">avoid on a </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">temporary </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">basis without the expenditure </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">significant </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">time </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">or effort.</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #232323;border-top:1px solid #282828;"><div style="padding-top:2px;text-align:left;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Severity Level 4</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:justify;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">A </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">minor </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">problem condition or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Documentation </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">error which Company can </font><font style="font-family:inherit;font-size:10.5pt;color:#494949;">eas</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">il</font><font style="font-family:inherit;font-size:10.5pt;color:#494949;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">circumvent or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">avoid.</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:136%;text-align:left;padding-left:77px;text-indent:89px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">The </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">table below </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">sets forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#494949;">' s </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Response Time, Workaround Time, and </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Resolution </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Time </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">requirements in conne</font><font style="font-family:inherit;font-size:10.5pt;color:#494949;">ctio</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">n </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">with any Error.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:7pt;"><font style="font-family:inherit;font-size:7pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:10.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:86.67305848513902%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:25%;"></td><td style="width:25%;"></td><td style="width:25%;"></td><td style="width:25%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #2b2b2b;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #282828;border-right:1px solid #444444;border-top:1px solid #000000;"><div style="padding-top:2px;text-align:left;padding-left:28px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;">Severity Level</font></div></td><td style="vertical-align:top;border-bottom:1px solid #2b2b2b;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #282828;border-right:1px solid #444444;border-top:1px solid #000000;"><div style="padding-top:2px;text-align:left;padding-left:28px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;">Response Time</font></div></td><td style="vertical-align:top;border-bottom:1px solid #2b2b2b;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #282828;border-right:1px solid #444444;border-top:1px solid #000000;"><div style="padding-top:2px;text-align:left;padding-left:28px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;">Workaround Time</font></div></td><td style="vertical-align:top;border-bottom:1px solid #2b2b2b;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #282828;border-right:1px solid #444444;border-top:1px solid #000000;"><div style="padding-top:2px;text-align:left;padding-left:28px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;">Resolution Time</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #282828;border-right:1px solid #5b5b5b;border-top:1px solid #232323;"><div style="text-align:left;padding-left:5px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Severity Level 1</font></div></td><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #5b5b5b;border-top:1px solid #2b2b2b;"><div style="text-align:center;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #5b5b5b;border-right:1px solid #282828;border-top:1px solid #2b2b2b;"><div style="text-align:center;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #282828;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #181818;border-top:1px solid #2b2b2b;"><div style="padding-top:2px;text-align:justify;padding-left:5px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***] or a mutually agreed upon time period</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #282828;border-right:1px solid #5b5b5b;border-top:1px solid #232323;"><div style="text-align:left;padding-left:5px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Severity Level 2</font></div></td><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #5b5b5b;border-right:1px solid #282828;border-top:1px solid #2b2b2b;"><div style="text-align:center;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #5b5b5b;border-right:1px solid #282828;border-top:1px solid #2b2b2b;"><div style="text-align:center;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #383838;border-top:1px solid #282828;"><div style="text-align:justify;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***] or a mutually agreed upon time period</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #282828;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #282828;border-right:1px solid #131313;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Severity Level 3</font></div></td><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #5b5b5b;border-right:1px solid #282828;border-top:1px solid #2b2b2b;"><div style="text-align:center;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #5b5b5b;border-right:1px solid #282828;border-top:1px solid #2b2b2b;"><div style="text-align:center;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #282828;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #5b5b5b;border-top:1px solid #000000;"><div style="text-align:justify;padding-left:5px;text-indent:1px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***] or a mutually agreed upon time period</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #282828;border-right:1px solid #5b5b5b;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Severity Level 4</font></div></td><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #5b5b5b;border-right:1px solid #282828;border-top:1px solid #2b2b2b;"><div style="text-align:center;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #232323;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #5b5b5b;border-right:1px solid #282828;border-top:1px solid #2b2b2b;"><div style="text-align:center;padding-left:6px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #000000;border-top:1px solid #282828;"><div style="text-align:justify;padding-left:6px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***] or a mutually agreed upon time period</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:77px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">For </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">purposes </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Section 11</font><font style="font-family:Arial;font-size:10.5pt;color:#1f1f1f;">,</font><font style="font-family:Arial;font-size:10.5pt;color:#1f1f1f;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">following </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">terms </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">shall </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">have </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">meanings </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">set forth </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">below:</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:144%;text-align:justify;padding-left:77px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Response Time</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">means the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">amount of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">time</font><font style="font-family:inherit;font-size:10.5pt;color:#606060;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">from the time Bank becomes </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">aware, or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">should have become aware</font><font style="font-family:inherit;font-size:10.5pt;color:#494949;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">of </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">any Error, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">which </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#494949;">s</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">hall notify </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">respond to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company, as applicable, via </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">telephone </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">or email </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to report </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such Error or </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">to </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">acknowledge </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">receipt of </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">Company's </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">notification to Bank of </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such Error.</font></div><div style="line-height:143%;padding-top:9px;text-align:justify;padding-left:77px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#313131;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;text-decoration:underline;">Workaround Time</font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">means the </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">amount of </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">time, from </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">time Bank becomes </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">aware, or should </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">have become </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">aware, of any Error, </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">which </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">shall provide a </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">Workaround for </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">such Error. </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">For purposes of this definition</font><font style="font-family:inherit;font-size:10.5pt;color:#494949;">, "</font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;text-decoration:underline;">Workaround</font><font style="font-family:inherit;font-size:10.5pt;color:#494949;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">means </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#1f1f1f;">reasonable temporary </font><font style="font-family:inherit;font-size:10.5pt;color:#313131;">resolution for any Error.</font></div><div style="line-height:143%;padding-top:9px;text-align:justify;padding-left:77px;text-indent:-2px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:143%;padding-top:9px;text-align:justify;padding-left:77px;text-indent:-2px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:143%;padding-top:9px;text-align:justify;padding-left:77px;text-indent:-2px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:143%;padding-top:9px;text-align:justify;padding-left:77px;text-indent:-2px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><a name="sDEA4423B6E745C679A36FFDE952C8EE0"></a></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">22</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#262626;">EXECUTION COPY</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:130%;padding-top:6px;text-align:justify;padding-left:76px;text-indent:-2px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;text-decoration:underline;">Reso</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;text-decoration:underline;">lution</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;text-decoration:underline;">Time</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">" means the amount of time, from the time Bank becomes aware</font><font style="font-family:inherit;font-size:10.5pt;color:#676767;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">or should have become aware, of any </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Erro</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">r, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">which </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Bank shall provide a Resolution </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">for such </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Error. For purposes of </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">definition</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">"</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;text-decoration:underline;">Reso</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;text-decoration:underline;">lution</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">" </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">means a reasonable permanent resolution for any </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Error</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">.</font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">(v)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;text-decoration:underline;">Remedies</font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">. In the event that Bank fails to </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">m</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">eet </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">th</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Response </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Time, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the Workaround </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Time</font><font style="font-family:inherit;font-size:10.5pt;color:#676767;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">or the Resolution Time requirements </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">set </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">forth above and such failure </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">constit</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">ut</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">es </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">a </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Severity </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Level I condition, </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Company shall </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">[***] </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">for each s</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">u</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">ch </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">failure. The Parties </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">acknow</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">l</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">edge and </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">agre</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">that Bank</font><font style="font-family:inherit;font-size:10.5pt;color:#676767;">'</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">s </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">failure to comply </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">w</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">ith </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the Respon</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">se </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Time</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Workaround </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Time, a</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">nd </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Resolution Time requirements </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">set </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">forth herein will </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">cause Company </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">t</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">o suffer an </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">injury that </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">is </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">difficult </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">or </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">impo</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">ssib</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">l</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">e </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">to accurately estimate</font><font style="font-family:inherit;font-size:10.5pt;color:#676767;">, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">that the amounts </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">set </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">faith in </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">this Section </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">11(f)(v) are a reasonable </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">estimate, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">based on the parties' </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">experience </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">in the </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">industry, of the </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">damages Compan</font><font style="font-family:inherit;font-size:10.5pt;color:#525252;">y </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">may </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">in</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">c</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">ur i</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">f </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Bank </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">fails to comp</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">l</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">y with such </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Response </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">T</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">im</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">e, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">Workaround Time, or Resolution </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Time </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">requirements </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">a manner that </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">const</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">itut</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">es a Severity Level </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">I </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">condition, </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">and </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">that </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">the </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">amounts set </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">forth </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">in </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">this </font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">Sect</font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">ion 11</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">(f)(v) constitute </font><font style="font-family:inherit;font-size:10.5pt;color:#131313;">liqu</font><font style="font-family:inherit;font-size:10.5pt;color:#3a3a3a;">idated </font><font style="font-family:inherit;font-size:10.5pt;color:#262626;">damages and not penalties.</font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;padding-left:76px;text-indent:90px;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:130%;padding-top:9px;text-align:justify;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><a name="s32935F4FF9AD5CE9AA9BFCF7E9391C08"></a></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#363636;">EXECUTION COPY</font></div><div style="line-height:120%;padding-top:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:13px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#363636;font-weight:bold;">ATTACHMENT D TO THE FIRST AMENDMENT</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24</font></div></div><hr style="page-break-after:always"><div><a name="s017D6A7FFE965915AE0D8636D9A7C5AB"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#464646;">EXECUTION COPY</font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#464646;font-weight:bold;">EXHIBIT F</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#464646;font-weight:bold;">FEATURES AND FUNCTIONALITY</font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:85.40305010893246%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:25%;"></td><td style="width:25%;"></td><td style="width:25%;"></td><td style="width:25%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Timeframe</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Table Stakes</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Mobile-First</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Launch Date</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Availability:</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Bank's mobile application will </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">available to be delivered within </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">various mobile application</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">stores</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Account Management:</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2. View balance</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3. View transaction history</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">5. View statements</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6. View basic account </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">information [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">7. Conversational user interface </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">to guide users through the post-application fulfillment process </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">or for other key messages</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">8. Running balance </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">visualization</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Money In/Money Out:</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1. Debit card</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4. [***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Account Access:</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4. Tab-bar based navigation following popular mobile app convention</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Activation/Enrollment:</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1. Streamlined [***] enrollment [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3. Activate new debit cards [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Money In/Out:</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1. Mobile wallet push </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">provisioning (virtual or </font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">physical card)</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">5. [***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;padding-left:126px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:126px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:126px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:126px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:126px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><a name="sE8F7D9AE5C3656C9B1C6E67FE813189E"></a></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#4f4f4f;">EXECUTION COPY</font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:82.23776223776224%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:25%;"></td><td style="width:25%;"></td><td style="width:25%;"></td><td style="width:25%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">5. [***]</font></div><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6. [***]</font></div><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">7. [***]</font></div><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">8. [***]</font></div><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">9. [***]</font></div><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">10. [***]</font></div><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6. Universal money movement to handle multiple use cases</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Alerts:</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">5. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">7. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">8. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">9. Access and security alerts</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">10. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">11. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Self Service:</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1. Activate debit card</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4. Secure messaging center or like contact method</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">5. Contact us (with preloaded contact information)</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6. Update name, address, phone, email</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">7. Add account nicknames</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">8. Report lost/stolen cards</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">9. Suppress paper statements</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">10. [***]</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">11. Privacy policy</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">12. Disclosures</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><a name="sC92DB4DE8CAF5619860345B2B4C8FE1E"></a></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#3b3b3b;">EXEC</font><font style="font-family:inherit;font-size:11pt;color:#545454;">U</font><font style="font-family:inherit;font-size:11pt;color:#3b3b3b;">TION COPY</font></div><div style="line-height:124%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:82.23776223776224%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:25%;"></td><td style="width:25%;"></td><td style="width:25%;"></td><td style="width:25%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">13. Other legal agreements</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">14. FAQs</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;padding-left:132px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">*These features are excluded from the exclusivity requirements in Section 15.4(b).</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><a name="sFEBA45C31FD755D881C0482B2B9AE840"></a></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#424242;font-weight:bold;">ADDITIONAL FEATURES, FUNCTIONALITY, AND SUPPORT</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">27</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:90.62937062937063%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:16%;"></td><td style="width:29%;"></td><td style="width:29%;"></td><td style="width:26%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Feature Name</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Functional Scope</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Non-Functional Scope</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Out of Scope</font></div></td></tr><tr><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***] Fully</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Automated   [***] Support</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Promoting for automatic [***] in the right situations</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;UI/UX for walking customers through an automated [***] change via [***]</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;UI/UX for providing customer status or handling exceptions </font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;&#160;&#160;with incomplete automated </font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;&#160;&#160;[***] setups</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Internal usage reports and [***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Assessment of the [***]</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***] back-end API </font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;&#160;&#160;integration and maturing a vendor </font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;&#160;&#160;on new APIs</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Storage and state management of [***] status</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Ongoing back-office </font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;&#160;&#160;administration, contracting, and </font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;&#160;&#160;setup</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Compliance, risk, fraud, and </font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;&#160;&#160;&#160;&#160;&#160;information security governance</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;All [***] services that are not [***] related</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;Outbound [***] services</font></div><div style="padding-left:22px;text-indent:-23px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8226;&#160;&#160;&#160;&#160;[***]</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><a name="sF227AC6E46BA5A05BA77D0E6EF376810"></a></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;padding-left:72px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:89.44099378881988%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:16%;"></td><td style="width:29%;"></td><td style="width:29%;"></td><td style="width:26%;"></td></tr><tr><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***] and</font></div><div style="padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Business   Logic Support</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;padding-left:24px;text-indent:0px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8226;&#160;&#160;&#160;&#160;Consume and interpret [***] and [***] data objects "as-is,"</font></div><div style="padding-top:1px;padding-left:24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">without any context to [***] or other [***]/Bank business integration concerns</font></div><div style="padding-top:1px;padding-left:24px;text-indent:0px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8226;&#160;&#160;&#160;&#160;Store the [***] data object, including [***], for multiple downstream processes, including [***]</font></div><div style="padding-top:1px;padding-left:24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">and [***]</font></div><div style="padding-top:1px;padding-left:24px;text-indent:0px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8226;&#160;&#160;&#160;&#160;Detect [***] change events, [***]</font></div><div style="padding-top:1px;padding-left:24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">eligibility, and fulfill eligibility with an extensible solution to add additional [***] premiums in the future with minimal change</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:1px;padding-left:24px;text-indent:0px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8226;&#160;&#160;&#160;&#160;A [***] program will be written that must interpret [***] data objects with [***] business logic, before sending it into a standard Bank [***] premiums engine.</font></div><div style="padding-top:1px;padding-left:24px;text-indent:0px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8226;&#160;&#160;&#160;&#160;(Note: This does not include</font></div><div style="padding-top:1px;padding-left:24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank's build out of a [***] engine)</font></div><div style="padding-top:1px;padding-left:24px;text-indent:0px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8226;&#160;&#160;&#160;&#160;Functional design, technical design, development, testing,</font></div><div style="padding-top:1px;padding-left:24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">performance testing, compliance, risk and information security governance</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-left:24px;text-indent:0px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8226;&#160;&#160;&#160;&#160;Additional business logic complexity to interpret [***] data above and</font></div><div style="padding-top:1px;padding-left:24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">beyond the sample attributes provided to Bank by [***].</font></div><div style="padding-left:24px;text-indent:0px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#8226;&#160;&#160;&#160;&#160;End-to-end business process analysis for data integration requirements</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">29</font></div></div>	</body>
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<TYPE>EX-10.24
<SEQUENCE>4
<FILENAME>a1024cobaltamendment2a.htm
<DESCRIPTION>EXHIBIT 10.24
<TEXT>
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<div><a name="sB518DC7AE7595AB5B45A5C2935F25255"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Exhibit 10.24</font></div><div style="line-height:126%;padding-top:6px;text-align:center;padding-left:204px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">SECOND AMENDMENT TO</font></div><div style="line-height:126%;text-align:center;padding-left:204px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:48px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">This </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">SECOND AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM AGREEMENT</font><font style="font-family:inherit;font-size:11pt;">, effective as of September 30, 2017 (the &#8220;Second </font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Amendment Effective Date</font><font style="font-family:inherit;font-size:11pt;">&#8221;), is by and between </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">T-MOBILE USA, INC.</font><font style="font-family:inherit;font-size:11pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:11pt;">&#8221;), and </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:11pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:11pt;">&#8221;), and amends the Agreement (as defined below) (this &#8220;Second </font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Amendment</font><font style="font-family:inherit;font-size:11pt;">&#8221;). Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:204px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:50px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017 (the &#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:11pt;">&#8221;), as amended by the First Amendment effective September 30, 2017 (&#8220;the First Amendment&#8221;);</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:50px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">WHEREAS, the Agreement sets forth each Party&#8217;s rights and responsibilities with respect to developing, marketing, and offering the Program; and</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:50px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">WHEREAS, Bank and Company desire to enter into this Second Amendment to amend certain terms and conditions of the Agreement as set forth below.</font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:50px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:11pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:74px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.1 AMENDMENTS TO THE AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:50px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Section 9.2 of the Agreement is hereby amended to add the following subsection to clarify the nature of the payments to the Bank:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:146px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#8220;</font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">9.2 &#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;">(d) The payments made under section 9.2(a), 9.2(b)(i), and 9.2(c) are intended to compensate the Bank for expenses they incur during the preliminary project phase, including but not limited to expenses related to planning activities, conceptual formulation of ideas, and evaluation and selection of alternatives related to the performance and functional requirements of the Program. They are also intended to compensate the Bank for expenses related to training, data migration or conversion activities, and other operating expenses.&#8221;</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:58px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">IN WITNESS WHEREOF, this Agreement is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:120%;text-align:left;padding-left:108px;text-indent:0px;font-size:10.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:510px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:45px;"></td><td style="width:202px;"></td><td style="width:5px;"></td><td style="width:45px;"></td><td style="width:212px;"></td></tr><tr><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;color:#383838;">T-MOBILE USA, INC. </font><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;color:#232323;">(COMPANY)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;color:#383838;">CUSTOMERS BANK </font><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;color:#232323;">(CUBI)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">/s/ [***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">/s/ [***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Name:</font></div></td><td 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style="font-family:inherit;font-size:10.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">10/24/2017 | 7:51 AM PDT</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:108px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Reviewed and Approved as to Form</font></div><div style="line-height:120%;text-align:left;padding-left:108px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">/s/ [***]</font></div><div style="line-height:120%;text-align:left;padding-left:108px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">T-Mobile Legal</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
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<TYPE>EX-10.25
<SEQUENCE>5
<FILENAME>a1025cobaltamendment3a.htm
<DESCRIPTION>EXHIBIT 10.25
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<div><a name="sB5EEDE7242A1538FA15BFCA1E07A4910"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Exhibit 10.25</font></div><div style="line-height:120%;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:114px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">THIRD AMENDMENT TO</font></div><div style="line-height:120%;text-align:center;padding-left:114px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:56px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">This </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">THIRD AMENDMENT TO THE PRIVATE LABEL BANKING   PROGRAM</font></div><div style="line-height:120%;text-align:justify;padding-left:8px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">AGREEMENT</font><font style="font-family:inherit;font-size:12pt;">, dated as of December 21, 2017 (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Third Amendment Effective Date</font><font style="font-family:inherit;font-size:12pt;">&#8221;), is by and between </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T-MOBILE USA, INC.</font><font style="font-family:inherit;font-size:12pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:12pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and amends the Agreement (as defined below) (this &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Third Amendment</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:114px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:8px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017 (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:12pt;">&#8221;); ; and</font></div><div style="line-height:120%;text-align:justify;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:8px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company desire to enter into this Third Amendment to amend certain terms and conditions of the Agreement as set forth below.</font></div><div style="line-height:120%;padding-top:1px;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:8px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:12pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:8px;"><font style="font-family:inherit;font-size:12pt;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">AMENDMENTS TO SECTION 9.2 OF THE AGREEMENT</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:8px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:12pt;">In connection with [***] in the final implementation of additional features, functionality and support set forth on Exhibit F, Company agrees to pay Bank a fee in the amount of [***] upon invoice in accordance with the Agreement.</font></div><div style="line-height:120%;text-align:left;padding-left:8px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:100%;text-align:left;padding-left:16px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">IN WITNESS WHEREOF, this Agreement is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:100%;text-align:left;padding-left:16px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:60px;text-indent:0px;font-size:10.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:571px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:46px;"></td><td style="width:237px;"></td><td style="width:5px;"></td><td style="width:45px;"></td><td style="width:237px;"></td></tr><tr><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;color:#383838;">T-MOBILE USA, INC. </font><font 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style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">/s/ [***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">/s/ [***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Name:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Name:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">12/22/2017 | 10:02 PM PST</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">12/22/2017</font></div></td></tr></table></div></div><div style="line-height:100%;padding-top:4px;text-align:left;text-indent:288px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:330%;text-align:left;padding-left:66px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">APPROVED AS TO FORM</font></div><div style="line-height:100%;text-align:left;padding-left:16px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:100%;text-align:left;padding-left:66px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">/s/ [***]                                </font></div><div style="line-height:100%;text-align:left;padding-left:66px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-MOBILE LEGAL</font></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
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<DOCUMENT>
<TYPE>EX-10.26
<SEQUENCE>6
<FILENAME>a1026cobaltamendment4a.htm
<DESCRIPTION>EXHIBIT 10.26
<TEXT>
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		<title>Exhibit</title>
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<div><a name="s3B5235E074075E148442638B428D0E6E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;text-indent:576px;font-size:11.5pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:11.5pt;">Exhibit 10.26</font></div><div style="line-height:120%;padding-top:6px;text-align:center;padding-left:193px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">FOURTH AMENDMENT TO</font></div><div style="line-height:120%;padding-top:1px;text-align:center;padding-left:193px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:132%;text-align:justify;padding-left:141px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">This </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">FOURTH AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM</font></div><div style="line-height:120%;text-align:justify;padding-left:94px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">AGREEMENT, </font><font style="font-family:inherit;font-size:11.5pt;">dated as of December 1, 2018 (the "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Fourth Amendment Effective Date</font><font style="font-family:inherit;font-size:11.5pt;">"), is by and between </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">T-MOBILE USA, INC., </font><font style="font-family:inherit;font-size:11.5pt;">a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 ("</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:11.5pt;">"), and </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:11.5pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 ("</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:11.5pt;">"), and amends the Agreement (as defined below) (this "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Fourth Amendment</font><font style="font-family:inherit;font-size:11.5pt;">"). Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:192px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:121%;text-align:justify;padding-left:93px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017, which sets forth each Party's rights and responsibilities with respect to developing, marketing, and offering the Program (the "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:11.5pt;">");</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:94px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">WHEREAS, Bank and Company entered into that certain First Amendment to the Agreement, dated as of September 30, 2017, that certain Second Amendment to the Agreement, dated as of September 30, 2017, and that certain Third Amendment to the Agreement, dated as of December 21, 2017, in each case, to amend or set forth certain terms and conditions of the Agreement; and</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:94px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">WHEREAS, Bank and Company desire to enter into this Fourth Amendment to the Agreement to set forth additional terms and conditions to govern Bank's provision of customer&#173; support services to T-Mobile Customers in connection with the Program.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:94px;text-indent:45px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:11.5pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:140px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:94px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">AMENDMENTS TO THE AGREEMENT</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:124%;text-align:justify;padding-left:94px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">1.1</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;">Section 7(a)(vii) of Exhibit D to the Agreement is hereby amended by adding, at the end thereof, the following:</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:140px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">"Without limiting the generality of the foregoing, Bank shall provide all customer-support services to T-Mobile Customers in connection with the Program and the T-Mobile Financial Services (collectively, the "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Customer Support Services</font><font style="font-family:inherit;font-size:11.5pt;">"). Subject to Section 8.1(h) of this Agreement, the Parties agree that Bank may use a third-party service provider to provide all or any part of the Customer Support Services; provided, that, Company may review Bank's use of such third-party service provider to provide the Customer Support Services annually and may require Bank to cease using such third-party service provider in connection with the Customer Support Services.  </font><font style="font-family:inherit;font-size:11pt;">If </font><font style="font-family:inherit;font-size:11.5pt;">Company requires Bank to cease</font></div><div><a name="sB707A0ACEF2C5F1987BAF76F30AD6391"></a></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:126%;padding-top:6px;text-align:justify;padding-left:140px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;padding-top:6px;text-align:justify;padding-left:140px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">using such third-party, an appropriate agreed upon timeframe for transition of the Customer Support Services to a new service provider will be established, and [***]. If Bank uses a third-party service provider to provide all or any part of the Customer Support Services, then Bank shall ensure that such third-party complies with all of the obligations of Bank set forth in Schedule 7(a)(vii) as if such third&#173; party service provider were "Bank."</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:125%;text-align:left;padding-left:93px;text-indent:45px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">1.2</font><font style="font-family:inherit;font-size:11.5pt;">&#160;&#160;&#160;&#160;The Agreement is hereby amended by inserting, after Exhibit D, the new Schedule 7(a)(vii) to Exhibit D attached hereto as Attachment A.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2</font></div></div><hr style="page-break-after:always"><div><a name="s855E7AF5C02259EFB9AB23555361BF75"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:center;padding-left:162px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:162px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">ATTACHMENT A TO THE FOURTH AMENDMENT</font></div><div style="line-height:120%;text-align:center;padding-left:162px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:162px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">SCHEDULE 7(a)(vii) TO EXHIBIT D</font></div><div style="line-height:120%;text-align:center;padding-left:162px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">CERTAIN CUSTOMER SUPPORTSERVICES</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;padding-left:93px;text-align:left;text-indent:0px;"><font style="text-align:left;font-family:inherit;font-size:11.5pt;padding-right:45px;">1.</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Provision of Customer Support Services, Management and Personnel</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:125%;text-align:justify;padding-left:92px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Generally</font><font style="font-family:inherit;font-size:11.5pt;">. Bank shall provide the Customer Support Services to T-Mobile Customers through various channels, [***].  Without limiting the generality of the foregoing, Bank shall have and maintain a toll-free telephone number to be used by T-Mobile Customers in connection with the Customer Support Services. Bank shall provide the Customer Support Services [***] hours a day, [***] days a week in a manner that ensures a superior customer experience. Bank shall ensure that all individuals involved in the provision of the Customer Support Services possess the requisite knowledge about the Program and the T-Mobile Financial Services to provide the Customer Support Services in a competent manner.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:92px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(b)&#160;&#160;&#160;&#160;In connection with the Customer Support Services, including fraud support, Bank shall provide (i) all shared-support services for scheduling, forecasting, and monitoring,  in real </font></div><div style="line-height:126%;text-align:justify;padding-left:92px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">&#32;<br>time, the provision of the Customer Support Services, (ii) all management information systems, reporting services, and analytics, including any support for any of the foregoing, and (iii) all information technology and helpdesk services and monitoring related to the Customer Support Services.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:92px;text-indent:45px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(c)&#160;&#160;&#160;&#160;Bank shall have and maintain a detailed plan, and the capability to support, the transfer of T-Mobile Customers to Bank for the purpose of Bank providing the Customer Support Services to such T-Mobile Customers in accordance with the requirements established by Company from time to time.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:92px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(d)&#160;&#160;&#160;&#160;Bank shall have and maintain a quality-control program for the Customer Support Services (the "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">QC Program</font><font style="font-family:inherit;font-size:11.5pt;">"), which QC Program will be subject to Company's review and approval. To the extent Bank makes any material changes to the QC Program, Bank shall notify Company of such changes and obtain Company's written consent to such changes prior to implementing such changes. Without limiting the generality of the foregoing, the QC Program shall meet or exceed the following guidelines:</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:92px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(i)&#160;&#160;&#160;&#160;Bank shall implement and maintain a call recording system to create audio call recordings and text files, where applicable, of all contacts initiated by T-Mobile Customers (each, a "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Customer Contact</font><font style="font-family:inherit;font-size:11.5pt;">") and shall maintain full access to and ability to retrieve such audio recordings and text files for all Customer Contacts for no less than one (1) year for audio recordings/four (4) years for text files following the occurrence of such Customer Contacts. Bank shall make available to Company and its auditors a mutually agreed upon and approved (by Bank and Company's legal and compliance) solution for listening to live or recorded Customer Contacts on-site and remotely. Company will use any such recordings of conversations with T-Mobile Customers solely for internal purposes associated with the Program including, assessing quality</font></div><div><a name="sDFB2C2F2A0715F9C9575EB91F4BD60C8"></a></div><div style="line-height:120%;text-align:left;padding-left:93px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:93px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;padding-left:93px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">assurance, investigation, fraud or training.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:94px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(ii)&#160;&#160;&#160;&#160;Bank shall participate in regularly scheduled, but not more than quarterly unless Company deems reasonably necessary, quality-calibration sessions with Company.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:93px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(iii)&#160;&#160;&#160;&#160;Subject to Applicable Law, Bank shall implement reasonable non-banking related suggestions provided by Company for customizing scripts to be used in connection with the Customer Support Services.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:93px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(iv)&#160;&#160;&#160;&#160;Bank shall provide feedback and recommendations with respect to any scripts, processes, call flows, FAQs, or other knowledge-based tools used in connection with the Customer Support Services that have resulted in, or could result in, complaints or negative feedback from T-Mobile Customers.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:92px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">FAQs</font><font style="font-family:inherit;font-size:11.5pt;">. Subject to Applicable Law, Bank shall provide Company with access to a list of frequently asked non-banking or regulatory questions, Bank contact information, as well as product related questions to be used in Company's retail outlets and call centers prior to the launch of the Program (the "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">FAOs</font><font style="font-family:inherit;font-size:11.5pt;">"). The initial FAQs shall address questions and issues that Bank anticipates could arise in connection with sales and the Customer Support Services. Thereafter, Bank shall update the FAQs on a regular basis to reflect common questions and issues that arise in connection with sales and the Customer Support Services.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:92px;text-indent:45px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(f)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Periodic Reviews</font><font style="font-family:inherit;font-size:11.5pt;">. Bank shall use reasonable efforts to ensure that appropriate individuals involved in the provision of the Customer Support Services attend periodic review meetings with Company and participate in periodic, operational conference calls with Company, in each case, as determined by Company.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:92px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(g)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Assessment of the Implementation of a Social Media Monitoring Program</font><font style="font-family:inherit;font-size:11.5pt;">. Bank [***] will prepare and deliver to T-Mobile [***] an assessment of efforts and [***] to implement the [***]. After review of the assessment, T-Mobile in its sole discretion may decide to proceed with the implementation of the [***] Tool. The [***] Tool assessment will include the following:</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:14px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:228px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:184px;"><font style="font-family:inherit;font-size:11.5pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:250px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:229px;"><font style="font-family:inherit;font-size:11.5pt;">a.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:228px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:184px;"><font style="font-family:inherit;font-size:11.5pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:250px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:150%;font-size:11.5pt;padding-left:229px;"><font style="font-family:inherit;font-size:11.5pt;">a.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:150%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><div><a name="sA87548237F6050199AFC0368DEA8F7A2"></a></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:justify;padding-left:253px;text-indent:-22px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:253px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:232px;"><font style="font-family:inherit;font-size:11.5pt;">b.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:1px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:252px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:230px;"><font style="font-family:inherit;font-size:11.5pt;">c.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:229px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:185px;"><font style="font-family:inherit;font-size:11.5pt;">(iii)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:252px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:230px;"><font style="font-family:inherit;font-size:11.5pt;">a.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:1px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:252px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:230px;"><font style="font-family:inherit;font-size:11.5pt;">b.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:1px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:252px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:229px;"><font style="font-family:inherit;font-size:11.5pt;">c.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:1px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:252px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:229px;"><font style="font-family:inherit;font-size:11.5pt;">d.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:1px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:252px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:229px;"><font style="font-family:inherit;font-size:11.5pt;">e.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:229px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:184px;"><font style="font-family:inherit;font-size:11.5pt;">(iv)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Reporting / SLAs</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:1px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:252px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:229px;"><font style="font-family:inherit;font-size:11.5pt;">a.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Reporting on volumes to help communicate trending or systemic issues, and service levels related to customers who have been transferred over.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:1px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:252px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:229px;"><font style="font-family:inherit;font-size:11.5pt;">b.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Any compliance or regulatory reporting to ensure communications</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;padding-left:252px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">with customers are secure and auditable</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:137px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:93px;"><font style="font-family:inherit;font-size:11.5pt;">2.</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Management and Personnel</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:121%;text-align:justify;padding-left:93px;text-indent:45px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Generally</font><font style="font-family:inherit;font-size:11.5pt;">. Bank, [***], shall provide and maintain the following positions in connection with the Customer Support Services: [***]</font></div><div><a name="s8DE46402181E5D3EA88689F27C2AF837"></a></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">5</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:125%;padding-top:6px;text-align:justify;padding-left:94px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:125%;padding-top:6px;text-align:justify;padding-left:94px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***].</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:186px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:141px;"><font style="font-family:inherit;font-size:11.5pt;">(b)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Agents</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:125%;text-align:justify;padding-left:94px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Generally</font><font style="font-family:inherit;font-size:11.5pt;">. The Customer Support Services will be provided by the following types of Customer Support Agents: [***]. Bank will provide agents for future, mutually agreed upon and approved channels.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:125%;text-align:justify;padding-left:94px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(ii)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Bilingual agents</font><font style="font-family:inherit;font-size:11.5pt;">. As of the launch of the Program for commercial use, Bank shall ensure that at least [***] percent [***] of the Customer Support Agents at each Customer Service Center are bilingual in English and Spanish and possess the ability to read, write, and communicate fluently in both English and Spanish to (1) support both English- and Spanish&#173; language queues, as needed, and (2) understand all training materials, modules, and programs related to the Program and the Customer Support Services. Bank shall promptly provide additional Customer Support Agents that meet the above requirements at each Customer Service Center if additional bilingual Customer Support Agents are appropriate in light of volume or business requirements or are otherwise requested by Company.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:93px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(iii)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Training</font><font style="font-family:inherit;font-size:11.5pt;">. Bank shall provide training resources to support new-hire and recurrent training needs for new and then-current Customer Support Agents. Bank shall develop and provide training materials, modules, and programs related to the Program and the Customer Support Services. In addition, Bank shall develop and provide recurring training materials, modules, and programs related to the Program and the Customer Support Services to ensure a superior customer experience. Bank and Company shall agree to the content, quality, completeness, and delivery of such training materials, modules, and programs prior to the execution thereof. Without limiting the generality of the foregoing, Bank and Company agree that the training materials, modules, and programs shall include (1) compliance training, soft-skills and communications training, Program-specific product training (e.g., training related to the T-Mobile Financial Services), product-branding training, and Company culture training no less than once annually, (2) training-facilitator guides, (3) hands-on activities and exercises to develop communications skills (including soft skills), and (4) testing, on a material-, module-, and program-specific basis, to certify Customer Support Agents and Customer Service Center management. Bank reserves the right to take a "train-the-trainer" approach with respect to the training obligations set forth herein.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:93px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Background Checks</font><font style="font-family:inherit;font-size:11.5pt;">. Bank shall conduct or require its third parties to conduct background checks on all management and personnel involved in the Customer Support Services in accordance with Applicable Law and industry best practices. Background checks shall include criminal records. In addition, T-Mobile may request that Bank conduct periodic individual employee background checks during the course of an investigation. Without limiting the generality of the foregoing, all background checks shall include, at minimum, all counties of employment and residence for the last seven (7) years for the prospective employee, as well as</font></div><div><a name="s310C936169535C0384ADA8B1D2A10A9F"></a></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:94px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">state and federal records. No prospective or current employee who has been convicted of a non&#173; pardoned felony (or equivalent charge), a gross misdemeanor, any misdemeanor relating to computer security or theft, violence, or fraud; or a breach of trust or act of dishonesty that is related to the job duties performed should be involved in the provision of Services. Costs incurred for background checks shall be Bank's responsibility.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:140px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:94px;"><font style="font-family:inherit;font-size:11.5pt;">3.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Customer Service Centers</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:93px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(a)&#160;&#160;&#160;&#160;Bank shall be responsible for establishing and running each Customer Service Center at its own cost and expense, including all resources, premises, sites, systems, networks, hardware, software, and other equipment necessary to provide the Customer Support Services. Bank shall obtain or require its third parties to obtain and maintain all necessary rights, permits, and licenses to use each Customer Service Center and shall comply with all applicable registration, licensing, permitting, approval, and other governmental requirements to perform the Customer Support Services from such Customer Service Center.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:93px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(b)&#160;&#160;&#160;&#160;Bank represents that, as of the launch of the Program for commercial use, Bank will maintain one (1) Customer Service Center located in [***], and that the Customer Support Services will be provided from such Customer Service Center. If Bank wishes to provide the Customer Support Services from a location other than the Customer Service Center in [***], then Bank shall provide Company with all information requested by Company with respect to such location and shall obtain Company's written consent prior to providing the Customer Support Services from such location. If Bank provides the Customer Support Services from a location other than the Customer Service Center in [***] and its Disaster Recovery site without Company's prior written consent, then Bank shall be deemed to be in material breach of the Agreement. Company agrees to provide a response to any Bank request to provide the Customer Support Services from a location other than the Customer Service Center in [***],</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:93px;text-indent:45px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(c)&#160;&#160;&#160;&#160;Bank agrees that each Customer Service Center will be designated for providing the Customer Support Services. To the extent that services other than the Customer Support Services are provided from a Customer Service Center, Bank shall ensure that a portion of such Customer Service Center is dedicated solely to providing the Customer Support Services and is branded for the Program prior to the launch of the Program for commercial use.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:121%;text-align:justify;padding-left:78px;text-indent:138px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(d) &#160;&#160;&#160;&#160;Notwithstanding the foregoing, Company agrees that Bank's third-party service provider may use investigators located in locations other than the Customer Service Center, and that such investigators may provide incidental Customer Support Services in performing their duties.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:138px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:93px;"><font style="font-family:inherit;font-size:11.5pt;">4.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Minimum Service Levels for the Customer Support Services</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:93px;text-indent:45px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Generally</font><font style="font-family:inherit;font-size:11.5pt;">. Bank shall provide the Customer Support Services in accordance with the following service levels (each, a "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">CSS Service Level</font><font style="font-family:inherit;font-size:11.5pt;">"):</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:92px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(i)&#160;&#160;&#160;&#160;Bank shall maintain an abandonment rate of no more than [***] percent [***]</font></div><div><a name="s61DB5EF96C7859718924578226CA8D9A"></a></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">7</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;padding-left:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">on all Customer Contacts.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:92px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(ii)&#160;&#160;&#160;&#160;Bank shall resolve no less than [***] percent [***] of all Customer Contacts on a first-time basis as calculated using the aggregate One Call Resolution reports described in Section 5(a) below.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:127%;text-align:justify;padding-left:92px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(iii)&#160;&#160;&#160;&#160;Bank shall answer no less than [***] percent [***] of all Customer Contacts within [***] seconds.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:92px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(iv)&#160;&#160;&#160;&#160;Bank will use best efforts to maintain a Customer Contact quality score of  <br>no less than [***] percent [***] based on the Inbound Quality Call Review criteria provided on Exhibit 4(a)(iii) attached hereto and as otherwise established by Company from time to time</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:125%;text-align:justify;padding-left:90px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Nonperformance</font><font style="font-family:inherit;font-size:11.5pt;">. If Bank fails to comply with any CSS Service Level (each, a "</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">CSS Service Level Failure</font><font style="font-family:inherit;font-size:11.5pt;">"), then Bank shall provide to Company a plan for correcting such CSS Service Level Failure within five (5) days following Bank's identification of the CSS Service Level Failure, which plan shall be subject to Company's approval, and Bank shall correct such CSS Service Level Failure. All the terms of the Agreement and Exhibit C shall apply to CSS Service Levels.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:137px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:90px;"><font style="font-family:inherit;font-size:11.5pt;">5.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Monitoring and Reporting Key Performance Indicators</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:125%;text-align:justify;padding-left:90px;text-indent:46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Generally</font><font style="font-family:inherit;font-size:11.5pt;">. Bank shall regularly provide reports that summarize the performance of Customer Service Center management and Customer Support Agents. In addition, Bank shall prepare and provide to Company reports that detail the following information:</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:90px;text-indent:92px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(i)&#160;&#160;&#160;&#160;Bank's performance relative to each CSS Service Level;</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:226px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:182px;"><font style="font-family:inherit;font-size:11.5pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">Bank's average speed of answering each Customer Contact;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:228px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:182px;"><font style="font-family:inherit;font-size:11.5pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">the number of Customer Contacts received, handled, and abandoned;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:226px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:182px;"><font style="font-family:inherit;font-size:11.5pt;">(iv)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11.5pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11.5pt;">the resolution time for each Customer Contact;</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:228px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:182px;"><font style="font-family:inherit;font-size:11.5pt;">(v)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">the maximum number of Customer Contacts in queue at any given time;</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:228px;text-indent:-46px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:58px;text-indent:144px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;(vi)       the longest wait time and the average wait time for each Customer</font></div><div style="line-height:120%;text-align:left;padding-left:90px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Contact;</font></div><div style="line-height:120%;text-align:left;padding-left:62px;text-indent:144px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;(vii)      the average amount of time to abandon each Customer Contact;</font><font style="font-family:inherit;font-size:10pt;">&#32;<br></font></div><div style="line-height:120%;text-align:left;padding-left:66px;text-indent:144px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;(viii)     the average amount of hold time for each Customer Contact;</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:90px;text-indent:92px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(ix)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;">the average amount of time to work each Customer Contact following the completion of each Customer Contact;</font></div><div><a name="s6E1211DDAC9754F1BF8D13A5A9908409"></a></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">8</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:230px;text-indent:-46px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:6px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:230px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:185px;"><font style="font-family:inherit;font-size:11pt;">(x)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#242424;">the average amount of interaction time for each Customer Contact; and</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:130%;text-align:left;padding-left:94px;text-indent:90px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(xi)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;color:#242424;">the total number of transfers of Customer Contacts (percentage and number of calls)</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:230px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:185px;"><font style="font-family:inherit;font-size:11pt;">(xii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;color:#242424;">Aggregate One Call Resolution Reports (based on an audited sample).</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:125%;text-align:left;padding-left:93px;text-indent:46px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;color:#242424;">The reports prepared and provided </font><font style="font-family:inherit;font-size:11pt;color:#161616;">by </font><font style="font-family:inherit;font-size:11pt;color:#242424;">Bank may be updated from time to time </font><font style="font-family:inherit;font-size:11pt;color:#161616;">upon </font><font style="font-family:inherit;font-size:11pt;color:#242424;">the mutual agreement of the Parties.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:125%;text-align:left;padding-left:93px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;color:#242424;">Bank shall implement a net promoter program </font><font style="font-family:inherit;font-size:11pt;color:#161616;">to </font><font style="font-family:inherit;font-size:11pt;color:#242424;">monitor</font><font style="font-family:inherit;font-size:11pt;color:#3d3d3d;">, </font><font style="font-family:inherit;font-size:11pt;color:#242424;">evaluate</font><font style="font-family:inherit;font-size:11pt;color:#3d3d3d;">, </font><font style="font-family:inherit;font-size:11pt;color:#242424;">and report on overall customer experience.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:127%;padding-left:93px;text-align:left;text-indent:0px;"><font style="text-align:left;font-family:inherit;font-size:11pt;padding-right:45px;">6.</font><font style="font-family:inherit;font-size:11pt;color:#242424;text-decoration:underline;">Fees and Pricing</font><font style="font-family:inherit;font-size:11pt;color:#242424;">. The following table and subsections (a) &#8211;  (d) are appended to the end of Exhibit </font><font style="font-family:inherit;font-size:11pt;color:#161616;">B </font><font style="font-family:inherit;font-size:11pt;color:#242424;">of the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-left:93px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:74.35254803675856%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:32%;"></td><td style="width:34%;"></td><td style="width:34%;"></td></tr><tr><td colspan="3" style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #444444;border-top:1px solid #343434;"><div style="padding-top:1px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:left;padding-left:57px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">Site &amp; Service</font></div></td><td style="vertical-align:top;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">English</font></div></td><td style="vertical-align:top;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">Bilingual (English/Spanish)</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #383838;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #3f3f3f;"><div style="padding-top:1px;text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #383838;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #181818;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #233b4f;background-color:#7cabff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b4457;border-top:1px solid #1c343f;"><div style="overflow:hidden;height:33px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td colspan="3" style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #444444;border-top:1px solid #343434;"><div style="padding-top:1px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #1c343f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">Fee</font></div></td><td style="vertical-align:top;border-bottom:1px solid #1c343f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">Price</font></div></td><td style="vertical-align:top;border-bottom:1px solid #1c343f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">Description</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #1c343f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #3f3f3f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #1c1c1c;border-right:1px solid #2f2f34;border-top:1px solid #383838;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #1c343f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #2b2b2b;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f34;border-top:1px solid #3f3f3f;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #1c343f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #343434;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #343434;border-right:1px solid #2f2f2f;border-top:1px solid #343434;"><div style="text-align:center;padding-left:80px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[***]</font></div></td></tr></table></div></div><div><a name="sE521ACDED8E25BB3AB45CC58322427A1"></a></div><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">9</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;"><br></font></div><div style="line-height:120%;padding-left:94px;font-size:9pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:74.35254803675856%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:32%;"></td><td style="width:34%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #1c343f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #1c343f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #343434;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #2b2f2f;border-right:1px solid #2b2f2f;border-top:1px solid #343434;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;color:#242424;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:7.5pt;"><font style="font-family:inherit;font-size:7.5pt;"><br></font></div><div style="line-height:125%;padding-top:6px;text-align:justify;padding-left:94px;text-indent:46px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;">Bank will charge Company only for [***].</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:127%;text-align:justify;padding-left:94px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;">Bank and Company agree to review and negotiate [***].</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:93px;text-indent:46px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11pt;">Without limiting the generality of the requirements applicable to invoicing under the Agreement, for each invoice that Bank provides to Company for the Customer Support Agent fees, such invoice shall  indicate (1) [***].</font></div><div style="line-height:120%;text-align:left;font-size:9.5pt;"><font style="font-family:inherit;font-size:9.5pt;"><br></font></div><div style="line-height:126%;text-align:justify;padding-left:93px;text-indent:45px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">(d)&#160;&#160;&#160;&#160;The maximum number of training hours per Customer Service Agent [***] for which Customer is obligated to pay will not exceed [***]</font></div><div><a name="s68F08478917A5533BA08F8AC4A751472"></a></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">10</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***].</font></div><div style="line-height:120%;text-align:left;padding-left:192px;text-indent:-24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(e)&#160;&#160;&#160;&#160;[***] Tool Assessment. [***].</font></div><div style="line-height:120%;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:0px;"><font style="font-family:inherit;font-size:12pt;">7.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Compliance and Audits</font><font style="font-family:inherit;font-size:12pt;">.  </font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)&#160;&#160;&#160;&#160;Bank shall ensure that each Customer Service Center and the Customer Support Services are provided in accordance with the confidentiality, information security, and privacy requirements under the Agreement, including Exhibit J.  Without limiting the generality of the foregoing, Bank shall (a) prohibit the use of cell phones and other personal devices, (b) maintain a paperless environment, (c) lock down desk tops, (d) secure entrances with badge access readers and maintain access logs, and (e) install and monitor security cameras, firewalls, logging facilities, anti-virus, endpoint protection, web blocking, and other security protocols in accordance with the PCI Standards.</font></div><div style="line-height:120%;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)&#160;&#160;&#160;&#160;Bank represents, warrants, and covenants that (i) disaster recovery, business resumption, and contingency plans are and will remain in place in connection with each Customer Service Center and the Customer Support Services, (ii) such disaster recovery, business resumption, and contingency plans do and will comply with industry best practices and Applicable Law, and (iii) such disaster recovery, business resumption, and contingency plans do and will prevent any interruption or impairment to each Customer Service Center and the Customer Support Services.</font></div><div style="line-height:120%;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)&#160;&#160;&#160;&#160;Upon at least [***] days&#8217; notice to Bank, Company may conduct site visits and audits of all Customer Service Centers from time to time to evaluate Bank&#8217;s compliance with this Schedule 7(a)(vii) to Exhibit D. Bank will make reasonable efforts to accommodate notices of less than 15 days.</font></div><div style="line-height:120%;text-align:left;padding-left:192px;text-indent:-24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">IN WITNESS WHEREOF, </font><font style="font-family:inherit;font-size:12pt;">this Fourth Amendment is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:0px;font-size:10.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:577px;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:46px;"></td><td style="width:240px;"></td><td style="width:46px;"></td><td style="width:242px;"></td></tr><tr><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#383838;font-weight:bold;">CUSTOMERS BANK</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;color:#383838;">CUSTOMERS BANK </font><font style="font-family:inherit;font-size:10.5pt;font-weight:bold;color:#232323;">(CUBI)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">/s/ [***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">/s/ [***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Name:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Name:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">12-1-18</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:5px;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;color:#232323;">12/3/18</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">DocuSigned by:</font></div><div style="line-height:120%;text-align:left;padding-left:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-Mobile Legal Approval By:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;padding-left:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">/s/ [***]                                </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">11</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="sA5910854D4335F7C875416C8B5E467F1"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Exhibit 4(a)(iii)</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Inbound Quality Call Review Criteria</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-left:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:0px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:90.02525252525253%;border-collapse:collapse;text-align:left;"><tr><td colspan="9"></td></tr><tr><td style="width:28%;"></td><td style="width:8%;"></td><td style="width:5%;"></td><td style="width:5%;"></td><td style="width:5%;"></td><td style="width:12%;"></td><td style="width:12%;"></td><td style="width:12%;"></td><td style="width:13%;"></td></tr><tr><td rowspan="6" style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:114px;text-indent:-39px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">Cobalt CARE QA Form 2018</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">Agent:</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="4" rowspan="8" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">Avaya Id:</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">Record ID:</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">Date&amp;Time:</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">NPS:</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">Ticket No:</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td rowspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:21px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">RATING</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;background-color:#1f4e78;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;padding-left:20px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">Weights:</font></div></td><td style="vertical-align:top;background-color:#1f4e78;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;padding-left:1px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">Possible  </font></div></td><td style="vertical-align:top;background-color:#1f4e78;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;padding-left:1px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">Earned</font></div></td><td style="vertical-align:top;background-color:#1f4e78;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">QA</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;color:#ffffff;font-weight:bold;">P.A.C.E</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">100</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">100</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">100</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">Rating</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">QA Disposition</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">QA Disposition</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">QA Disposition</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;color:#ffffff;font-weight:bold;">Quality Analyst Comments</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="padding-left:1px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">P - </font><font style="font-family:Arial;font-size:7pt;">Promises kept. Do what you said you will do.</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#d6d6d6;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="padding-left:1px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">A - </font><font style="font-family:Arial;font-size:7pt;">As soon as possible. Resolve the customer issue ideally by sundown, at most 24 hours.</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#d6d6d6;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="padding-left:1px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">C - </font><font style="font-family:Arial;font-size:7pt;">Correct information is always given to the customer. Listen carefully to understand the true customer question and then answer it accurately and fully.</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#d6d6d6;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="padding-left:1px;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">E - </font><font style="font-family:Arial;font-size:7pt;">Empathy and respect are part of each customer interaction. We talk with a smile on our face. Be happy.</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;background-color:#d6d6d6;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#f2f2f2;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td colspan="3" style="vertical-align:top;border-bottom:1px solid #000000;background-color:#d6d6d6;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:158px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">Final Score</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:90.02525252525253%;border-collapse:collapse;text-align:left;"><tr><td colspan="9"></td></tr><tr><td style="width:28%;"></td><td style="width:8%;"></td><td style="width:5%;"></td><td style="width:5%;"></td><td style="width:5%;"></td><td style="width:12%;"></td><td style="width:12%;"></td><td style="width:12%;"></td><td style="width:13%;"></td></tr><tr><td colspan="9" style="vertical-align:top;border-bottom:1px solid #000000;background-color:#ff737f;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:158px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Actions/Expectations of the Specialist</font></div></td></tr><tr><td colspan="9" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">1.</font></div><div style="font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">2.</font></div><div style="font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">3.</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">12</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div>	</body>
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<DOCUMENT>
<TYPE>EX-10.27
<SEQUENCE>7
<FILENAME>a1027cobaltamendment5a.htm
<DESCRIPTION>EXHIBIT 10.27
<TEXT>
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		<title>Exhibit</title>
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<div><a name="s28ED853BAB505CD78BD06DB182677149"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Exhibit 10.27</font></div><div style="line-height:120%;padding-top:4px;text-align:right;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;padding-top:14px;text-align:center;padding-left:186px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">FIFTH AMENDMENT TO</font></div><div style="line-height:120%;text-align:center;padding-left:186px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:128px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">This </font><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">SIXTH AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM</font></div><div style="line-height:120%;text-align:justify;padding-left:80px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">AGREEMENT</font><font style="font-family:inherit;font-size:11.5pt;">, dated as of August </font><font style="font-family:inherit;font-size:11.5pt;">&#32;</font><font style="font-family:Arial;font-size:11.5pt;text-decoration:underline;">16</font><font style="font-family:inherit;font-size:11.5pt;">, 2018, (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Fifth Amendment Effective Date</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;) is by and between </font><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">T-MOBILE USA, INC.</font><font style="font-family:inherit;font-size:11.5pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;), and </font><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:11.5pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;), and amends the Agreement (as defined below) (this &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Fifth Amendment</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;). Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:186px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017, which sets forth each Party&#8217;s rights and responsibilities with respect to developing, marketing, and offering the Program (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;);</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">WHEREAS, Bank and Company entered into that certain First Amendment to the Agreement, dated as of September 30, 2017, that certain Second Amendment to the Agreement, dated as of September 30, 2017, that certain Third Amendment to the Agreement, dated as of December 21, 2017, and that certain Fourth Amendment to the Agreement, dated as of [pending signature],in each case, to amend and/or set forth certain terms and conditions of the Agreement; and</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">WHEREAS, Bank and Company desire to enter into this Fifth Amendment to the Agreement to set forth terms and conditions to govern Bank&#8217;s provision of the T-Mobile MONEY marketing site.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:11.5pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:80px;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">AMENDMENTS TO THE AGREEMENT</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">1.1</font><font style="font-family:inherit;font-size:11.5pt;">&#160;&#160;&#160;&#160;Exhibit D to the Agreement is hereby amended by adding, at the end thereof, the following new Section 13:</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:128px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">&#8220;13. </font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">T-Mobile MONEY Marketing Site</font><font style="font-family:inherit;font-size:11.5pt;">. Bank will build, deploy, and operate the T- Mobile MONEY marketing site (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">TMM Site</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;) and will make the TMM Site available at t-mobilemoney.com in accordance with the requirements established by Company from time to time, the terms of this Agreement, and Schedule 13.&#8221;</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">1.2</font><font style="font-family:inherit;font-size:11.5pt;">&#160;&#160;&#160;&#160;The Agreement is hereby amended by inserting, after Exhibit D and any schedules thereto, the new Schedule 13 to Exhibit D attached hereto as Attachment 1.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1</font></div></div><hr style="page-break-after:always"><div><a name="s2F79A442A96E53E986960B38F8BFDFEB"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:14px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:84px;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">2.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">MISCELLANEOUS</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">2.1</font><font style="font-family:inherit;font-size:11.5pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Reaffirmation of Agreement</font><font style="font-family:inherit;font-size:11.5pt;">. Except as expressly amended or modified by this Fifth Amendment, the Agreement shall remain unchanged and in full force and effect. The Parties acknowledge and agree that each Party shall be bound by and obligated to perform its respective obligations under the Agreement, as amended hereby, and that all references to the &#8220;Agreement&#8221; contained in the Agreement shall mean and include the Agreement, as amended by this Fifth Amendment.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">2.2</font><font style="font-family:inherit;font-size:11.5pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Severability</font><font style="font-family:inherit;font-size:11.5pt;">. If any provision of this Fifth Amendment is deemed by a court or Regulatory Authority of competent jurisdiction to be illegal, invalid, or unenforceable, then such provision shall be deemed to have been omitted from this Fifth Amendment and the remainder of this Fifth Amendment shall remain in full force and effect.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">2.3</font><font style="font-family:inherit;font-size:11.5pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Counterparts</font><font style="font-family:inherit;font-size:11.5pt;">. This Fifth Amendment may be executed in one or more counterparts, each of which shall be an original but all of which, taken together, shall constitute one and the same instrument.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:186px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[Signature page follows.]</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2</font></div></div><hr style="page-break-after:always"><div><a name="s1939E49108C85345BB8197ED69340E60"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;text-indent:480px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"></font><font style="font-family:inherit;font-size:11.5pt;">&#32;&#32;&#32;&#32;EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;padding-top:14px;text-align:left;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">IN WITNESS WHEREOF, this Fifth Amendment is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:120%;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:126px;text-indent:0px;font-size:11.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:576px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:52px;"></td><td style="width:234px;"></td><td style="width:5px;"></td><td style="width:49px;"></td><td style="width:234px;"></td></tr><tr><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;color:#383838;">T-MOBILE USA, INC. </font><font 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#000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;color:#232323;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">8/16/2018 | 8:57 PM PDT</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;color:#232323;">08/16/2018</font></div></td></tr></table></div></div><div style="line-height:120%;padding-left:73px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:126px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">DocuSigned by:</font></div><div style="line-height:120%;text-align:left;padding-left:126px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">T-Mobile Legal Approval By:</font></div><div style="line-height:120%;text-align:justify;padding-left:126px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">&#32;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">/s/ [***]</font><font style="font-family:inherit;font-size:11.5pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3</font></div></div><hr style="page-break-after:always"><div><a name="sD154564765B05F1BABD328A727BD0665"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;text-indent:480px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;padding-top:14px;text-align:center;padding-left:186px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">ATTACHMENT 1 TO THE FIFTH AMENDMENT</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:276px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;font-weight:bold;">SCHEDULE 13 TO EXHIBIT D TMM SITE</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;padding-left:80px;text-align:justify;text-indent:0px;"><font style="text-align:justify;font-family:inherit;font-size:11.5pt;padding-right:48px;">1.</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Description of Services/Deliverables</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Generally</font><font style="font-family:inherit;font-size:11.5pt;">. Bank will build, deploy, and operate the T-Mobile MONEY marketing site and will make such site available at t-mobilemoney.com (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">TMM Site</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;). The TMM Site will be hosted and managed through a content management system that will be mutually agreed to by both Parties (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">CMS</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;). Company will provide to Bank the proposed design and content of the TMM Site and Bank will build, deploy, and operate the TMM Site in accordance with such requirements. Bank will develop and maintain a content management process within the CMS to support, at a minimum, all of the content on the TMM Site. Bank acknowledges and agrees that the TMM Site, the CMS, and the TMM Site Deliverables (as defined below) contemplated by this Schedule 13 constitute Program Solutions under the Agreement and are subject to the terms and conditions of the Agreement, including Section 11 of Exhibit D to the Agreement.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:128px;"><font style="font-family:inherit;font-size:11.5pt;">(b)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Requirements and Criteria</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Marketing Materials</font><font style="font-family:inherit;font-size:11.5pt;">. Bank will display pre-approved marketing materials on the TMM Site in the forms and formats approved by Company.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(ii)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Privacy Policy</font><font style="font-family:inherit;font-size:11.5pt;">. Bank will deliver the TMM Site in compliance with Company&#8217;s then-current privacy policy (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Company Privacy Policy</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;) and will ensure, at all times, that the TMM Site is operated in a manner that complies with the Company Privacy Policy.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Deliverables</font><font style="font-family:inherit;font-size:11.5pt;">. In connection with the TMM Site, Bank will provide the deliverables set forth in this Section 1(c) (collectively, the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">TMM Site Deliverables</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;). Bank acknowledges and agrees that:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(i)&#160;&#160;&#160;&#160;Bank will provide at least [***] content pages with [***] different layouts displaying various marketing materials. Bank will build, deploy, and operate the TMM Site in accordance with Company&#8217;s proposed design and content, which TMM Site will be subject to Company&#8217;s final acceptance of the TMM Site.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(ii)&#160;&#160;&#160;&#160;Bank will create a content workflow approval process in the CMS in accordance with the following steps/roles below:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(1)&#160;&#160;&#160;&#160;Content author, which will be the individuals from Bank and Company with access to enter and edit content and pages on the TMM Site;</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(2)&#160;&#160;&#160;&#160;Marketing approver, which will be the individuals from the marketing departments of Bank and Company to approve or reject the content entered or edited on the TMM Site;</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(3)&#160;&#160;&#160;&#160;Legal approver, which will be the individuals from the legal departments of Bank and Company to approve the content on the TMM Site; and</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(4)&#160;&#160;&#160;&#160;Final publisher, which will be the individual that will cause the content to go live once each Party&#8217;s marketing and legal departments have approved the content.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4</font></div></div><hr style="page-break-after:always"><div><a name="sC44703FF8BF05A07B804BB870BE883F8"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;text-indent:480px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:11.5pt;">&#32;EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;padding-top:14px;text-align:justify;padding-left:80px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">The Parties agree that any content approval and revision process prior to the development of the CMS will be handled offline and that the workflow set forth in this Section 1(c)(ii) of this Schedule 13 only relates to the process applicable to the CMS.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:224px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:176px;"><font style="font-family:inherit;font-size:11.5pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Bank will provide an out-of-the box log-in function from the CMS.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(iv)&#160;&#160;&#160;&#160;Bank will develop a link from the TMM site to sign-up and secure banking login sites. At a later date, Bank will work with Company to deploy a JavaScript SDK or similar solution to enable full login functionality from the TMM site.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(v)&#160;&#160;&#160;&#160;Bank will investigate a way to identify and track a new or returning user (and if possible, a returning customer) on the TMM site, within Bank&#8217;s acceptable information security practices. As needed, Bank will work with Company to deploy such a solution.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(vi)&#160;&#160;&#160;&#160;Bank will develop [***] landing-page templates based on pre- approved landing-page templates received from Company for TMM Site marketing purposes. All completed landing-page templates will be subject to final acceptance by Company.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(vii)&#160;&#160;&#160;&#160;Bank will implement Adobe Analytics Standard tracking for the entirety of the TMM Site and, subject to Bank&#8217;s agreements with Adobe, will provide user accounts to Company employees, upon request, to enable such employees to access the TMM Site reporting suites in the Adobe Analytics web portal.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(viii)&#160;&#160;&#160;&#160;Bank will work with Company to track the journeys of end users from Company wireless digital properties to the TMM Site, to sign-up, and to banking solutions as part of Bank's existing reporting work stream. If Company&#8217;s desired tracking of the end-to-end journey cannot be entirely satisfied as part of Bank's existing reporting work stream, Bank will work with Company to deploy Company analytic tags to the TMM Site if it is technically feasible. The foregoing sentence only covers the Company wireless and TMM Site portion of this capability.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(ix)&#160;&#160;&#160;&#160;Azure will provide hosting services for the TMM Site. Bank will be responsible for the direct relationship with Azure. Fees will be paid in accordance with Section 4(e) of this Schedule 13.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(x)&#160;&#160;&#160;&#160;Bank will ensure that the architecture is deployed in order to scale and will ensure that disaster recovery, business resumption, and contingency plans, including redundancies, and a disaster recovery site in Azure central are in place. As the scope or capabilities change, this may impact platform pass-through costs for hardware, but the solution will be architected to be extendable with hardware for additional scale beyond the initial, three node set-up.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(xi)&#160;&#160;&#160;&#160;Bank will provide a separate workflow from the TMM Site such that changes to the frequently asked questions (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">FAQs</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;) can be initiated by either Company or Bank. This workflow will be based on the permissions in the CMS and what elements a user may edit. Bank may not make any changes to the FAQs without Company&#8217;s prior written consent.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(xii)&#160;&#160;&#160;&#160;Bank will provide management of and updates to the TMM Site, including any content changes and new pages that can be created using existing templates and modules provided during the initial implementation. This authoring work will follow the content approval work flow indicated above in Section 1(c)(ii) of this Schedule 13 with any prior effort to be done offline and outside the CMS. Only final approved content will be created in the CMS. Any new requests that require the creation of a new content model, component, or template in the CMS will require additional resourcing.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">5</font></div></div><hr style="page-break-after:always"><div><a name="sE27B8D616C1E51C384FEF15B863C8708"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;text-indent:480px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:11.5pt;">&#32;EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;padding-top:14px;text-align:justify;padding-left:80px;text-indent:96px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(xiii)&#160;&#160;&#160;&#160;Bank will contract directly with Adobe to secure the use of the following products and services for the TMM Site:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(1)&#160;&#160;&#160;&#160;Adobe Analytics Standard, which is the standard analytics package</font></div><div style="line-height:120%;text-align:left;padding-left:80px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">from Adobe.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:272px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:224px;"><font style="font-family:inherit;font-size:11.5pt;">(2)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Adobe Experience Manager (&#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">AEM</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;) Assets, which is a digital</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:80px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">asset-management tool that is integrated with the Adobe Experience Manager platform and enables users to share and distribute digital assets. Users can manage, store, and access images, videos, documents, audio clips, and rich media for use on the web, in print, and for digital distribution.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(3)&#160;&#160;&#160;&#160;AEM Sites, which is a web-content management platform for delivering digital, cross-channel customer experiences and provides an authoring environment with support for in-place editing, drag-and-drop page composition from a library of web components, and controls for search-engine optimization, scheduled delivery, and landing-page optimization.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(4)&#160;&#160;&#160;&#160;AEM Sites, Opt ADDL Instances 1L, which is an additional publish instance for AEM as AEM On-Premise comes with One Publish and One Author.</font></div><div style="line-height:120%;padding-left:80px;padding-top:8px;text-align:justify;text-indent:96px;"><font style="padding-top:8px;text-align:justify;font-family:inherit;font-size:11.5pt;padding-right:48px;">(ix)</font><font style="font-family:inherit;font-size:11.5pt;">Bank will ensure that the general management of the TMM Site, the CMS, the TMM Site Deliverables, and any infrastructure complies with all aspects of Section 11 of Exhibit D to the Agreement, including the provisions thereof related to maintenance, updates and upgrades, and service levels and support, and all aspects of Exhibit C. Without limiting the generality of the foregoing, Bank will ensure that it:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(1)&#160;&#160;&#160;&#160;Conducts twenty-four (24) hours a day, seven (7) days a week monitoring and restarts (as necessary);</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:272px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:224px;"><font style="font-family:inherit;font-size:11.5pt;">(2)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Performs regular backups on a daily basis and restorations (as</font></div></td></tr></table><div style="line-height:138%;text-align:left;padding-left:80px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">necessary);</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:272px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:224px;"><font style="font-family:inherit;font-size:11.5pt;">(3)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Obtains Company&#8217;s prior written consent and a written amendment</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:80px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">to this Schedule 13 before proceeding with or otherwise implementing any major release of the CMS;</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:272px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:224px;"><font style="font-family:inherit;font-size:11.5pt;">(4)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Reviews, on a monthly basis, utilization of capacity; and</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:144px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(5)&#160;&#160;&#160;&#160;Obtains Company&#8217;s prior written consent and a written amendment to this Schedule 13 before proceeding with or otherwise implementing any capacity increase beyond the capacity contemplated as of the go-live date if such capacity increase will require labor and additional infrastructure resources.</font></div><div style="line-height:120%;padding-left:80px;padding-top:8px;text-align:justify;text-indent:0px;"><font style="padding-top:8px;text-align:justify;font-family:inherit;font-size:11.5pt;padding-right:48px;">2.</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Other Responsibilities of Bank</font><font style="font-family:inherit;font-size:11.5pt;">. Bank will provide a single point of contact and accountability from Bank to act as project manager (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Bank SPOC</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;) to work with Company&#8217;s single point of contact or other designated representative of Company (the &#8220;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Company Point of Contact</font><font style="font-family:inherit;font-size:11.5pt;">&#8221;). The Bank SPOC must be senior level and must possess technical expertise to answer questions and act in a prompt and accurate manner.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:80px;"><font style="font-family:inherit;font-size:11.5pt;">3.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Company&#8217;s Responsibilities</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(a)&#160;&#160;&#160;&#160;Company will provide the Company Point of Contact.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6</font></div></div><hr style="page-break-after:always"><div><a name="s21347D5242F754B6991245BD418489E5"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;text-indent:480px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;padding-top:14px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(b)&#160;&#160;&#160;&#160;Company will provide input and feedback to Bank for Bank to comply with Company&#8217;s requirements and to drive continuous improvement.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:128px;"><font style="font-family:inherit;font-size:11.5pt;">(c)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Company will approve deployment of each release of the TMM Site.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:128px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11.5pt;padding-left:80px;"><font style="font-family:inherit;font-size:11.5pt;">4.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Miscellaneous</font><font style="font-family:inherit;font-size:11.5pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Service Levels and Support</font><font style="font-family:inherit;font-size:11.5pt;">. Bank will perform its obligations under this Schedule 13 in accordance with the Agreement, including Exhibit C of the Agreement and Section 11 of Exhibit D to the Agreement.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Transition Assistance</font><font style="font-family:inherit;font-size:11.5pt;">. For the avoidance of doubt, Bank&#8217;s obligations with respect to the TMM Site and this Schedule 13 will be subject to the transition assistance provisions of the Agreement.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Project Managers</font><font style="font-family:inherit;font-size:11.5pt;">. The following individuals will act as the Bank SPOC and the Company Point of Contact, as applicable, in connection with each Party&#8217;s performance of its obligations hereunder.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;padding-left:80px;font-size:11.5pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:87.64044943820225%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:50%;"></td><td style="width:50%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:116px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Bank SPOC</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:69px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Company Point of Contact</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">99 Bridge Street, Phoenixville, Pennsylvania 19460</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">12920 SE 38th Street, Bellevue, Washington 98006-1350</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(d)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Expenses</font><font style="font-family:inherit;font-size:11.5pt;">. [***] will bear sole responsibility for all costs, expenses, and other amounts incurred in connection with this Schedule 13, except as otherwise set forth below or agreed in writing by [***].</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:11.5pt;text-decoration:underline;">Payment</font><font style="font-family:inherit;font-size:11.5pt;">. [***].</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;padding-left:78px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:88.95131086142321%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:23%;"></td><td style="width:28%;"></td><td style="width:16%;"></td><td style="width:33%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#ffdcf3;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Scope Item</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#ffdcf3;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:38px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Cost Type</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#ffdcf3;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:42px;text-indent:-39px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Term</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#ffdcf3;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Price</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid 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style="line-height:120%;text-align:right;text-indent:480px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:11pt;">&#32;EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-left:78px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:88.95131086142321%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:24%;"></td><td style="width:28%;"></td><td style="width:16%;"></td><td style="width:32%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid 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style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">8</font></div></div><hr style="page-break-after:always"><div><a name="s830D77198BFE5D11A640C0AAD2BD118C"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;text-indent:480px;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;EXECUTION COPY 8-14-18</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;padding-left:78px;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:88.95131086142321%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:23%;"></td><td style="width:27%;"></td><td style="width:16%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:10px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:10px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:13px;text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:10px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">9</font></div></div>	</body>
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<DOCUMENT>
<TYPE>EX-10.28
<SEQUENCE>8
<FILENAME>a1028cobaltamendment6a.htm
<DESCRIPTION>EXHIBIT 10.28
<TEXT>
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		<title>Exhibit</title>
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<div><a name="s9FE37BBC186A54859C914DD7FE7CD084"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:right;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Exhibit 10.28</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:181px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">SIXTH AMENDMENT TO</font></div><div style="line-height:120%;text-align:center;padding-left:181px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT &#8211; MASTERCARD REPOWER SUPPORT</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:128px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">This </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">SIXTH AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM</font></div><div style="line-height:120%;text-align:justify;padding-left:80px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">AGREEMENT</font><font style="font-family:inherit;font-size:11pt;">, dated as of September ___, 2018 (the &#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Sixth Amendment Effective Date</font><font style="font-family:inherit;font-size:11pt;">&#8221;), is by and between </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">T-MOBILE USA, INC.</font><font style="font-family:inherit;font-size:11pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:11pt;">&#8221;), and </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:11pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:11pt;">&#8221;), and amends the Agreement (as defined below) (this &#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Sixth Amendment</font><font style="font-family:inherit;font-size:11pt;">&#8221;). Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:181px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017, which sets forth each Party&#8217;s rights and responsibilities with respect to developing, marketing, and offering the Program (the &#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:11pt;">&#8221;);</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:80px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">WHEREAS, Bank and Company entered into that certain First Amendment to the Agreement, dated as of September 30, 2017, that certain Second Amendment to the Agreement, dated as of September 30, 2017, that certain Third Amendment to the Agreement, dated as of December 21, 2017, and that certain Fourth Amendment to the Agreement, dated as of [pending signature], and that certain Fifth Amendment to the Agreement, dated as of August 16, 2018, in each case, to amend certain terms and conditions of the Agreement; and</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">WHEREAS, Bank and Company desire to enter into this Sixth Amendment to the Agreement to further amend the Agreement and to set forth additional terms and conditions to govern the Program.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:11pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:108px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:80px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:11pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">AMENDMENTS TO THE AGREEMENT</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:117px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:80px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.1</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:11pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11pt;">In order to implement the [***] functionality that was added to Additional Features, Functionality and Support under Exhibit F pursuant to Amendment 1 of the Agreement dated as of September 30, 2017, Company will [***]</font></div></td></tr></table><div><a name="sDD37EFD1043C5DC88E1F53456361D475"></a></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:justify;padding-left:118px;text-indent:-39px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:118px;text-indent:-39px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:118px;text-indent:-39px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:118px;text-indent:-39px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:117px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:80px;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">1.2</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:11pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:11pt;">Exhibit F to the Agreement is hereby further amended by adding, at the end thereof, the table attached hereto as Attachment A. The IVR description included in Attachment A will be included in the features, functionality and support provided by the Bank. The described IVR items will be delivered by Bank [***] upon delivery and written acceptance by Company; all payments to be made in accordance with the payment and invoicing procedures as described in Section 9.4 of the Agreement.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:80px;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">IN WITNESS WHEREOF, this Sixth Amendment is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:80px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:126px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:622px;border-collapse:collapse;text-align:left;"><tr><td colspan="7"></td></tr><tr><td style="width:52px;"></td><td style="width:5px;"></td><td style="width:265px;"></td><td style="width:5px;"></td><td style="width:49px;"></td><td style="width:5px;"></td><td style="width:241px;"></td></tr><tr><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T-MOBILE USA, INC. (COMPANY)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:10px;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CUSTOMERS BANK (CUBI)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">By:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">/s/ [***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">By:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">/s/ [***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Name:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Name:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">9/28/2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">09/21/2018</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:126px;text-indent:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">DocuSigned by:</font></div><div style="line-height:120%;text-align:left;padding-left:126px;text-indent:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">T-Mobile Legal Approval By:</font></div><div style="line-height:120%;text-align:left;padding-left:126px;text-indent:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">/s/ [***]                               </font></div><div style="line-height:120%;text-align:left;padding-left:126px;text-indent:6px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><a name="sA3D9CCF565AE5E469AB6CB7AA5B18071"></a></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">ATTACHMENT A TO THE SIXTH AMENDMENT</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EXHIBIT F - ADDITIONAL FEATURES, FUNCTIONALITY AND SUPPORT</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:0px;text-indent:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:12%;"></td><td style="width:14%;"></td><td style="width:26%;"></td><td style="width:14%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:middle;background-color:#fff2cc;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="padding-top:4px;text-align:center;padding-left:9px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Feature</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">#</font></div></td><td style="vertical-align:middle;background-color:#fff2cc;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:10px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Current State Feature Name</font></div></td><td style="vertical-align:middle;background-color:#fff2cc;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:10px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Current State Feature Description</font></div></td><td style="vertical-align:middle;background-color:#fff2cc;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:10px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:10px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Future State Feature Name</font></div></td><td style="vertical-align:middle;background-color:#fff2cc;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:30px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Future State Feature Description</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr></table></div></div><div><a name="sBEB33AAFFAC851BE844BFB6E6528C43E"></a></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:0px;text-indent:0px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:12%;"></td><td style="width:14%;"></td><td style="width:26%;"></td><td style="width:14%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:12px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;color:#44546a;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;color:#44546a;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4</font></div></div>	</body>
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<DOCUMENT>
<TYPE>EX-10.29
<SEQUENCE>9
<FILENAME>a1029cobaltamendment7a.htm
<DESCRIPTION>EXHIBIT 10.29
<TEXT>
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		<title>Exhibit</title>
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<div><a name="s9AD30C9DA95353CA8B4AC607A18300B8"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Exhibit 10.29</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:181px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SEVENTH AMENDMENT TO</font></div><div style="line-height:120%;text-align:center;padding-left:181px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT &#8211; [***]/[***]</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">This </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SEVENTH AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM AGREEMENT</font><font style="font-family:inherit;font-size:12pt;">, dated as of September ___, 2018 (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Seventh Amendment Effective Date</font><font style="font-family:inherit;font-size:12pt;">&#8221;), is by and between </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T-MOBILE USA, INC.</font><font style="font-family:inherit;font-size:12pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:12pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and amends the Agreement (as defined below) (this &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Seventh Amendment</font><font style="font-family:inherit;font-size:12pt;">&#8221;).  Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:181px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017, which sets forth each Party&#8217;s rights and responsibilities with respect to developing, marketing, and offering the Program (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:12pt;">&#8221;);</font></div><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain First Amendment to the Agreement, dated as of September 30, 2017, that certain Second Amendment to the Agreement, dated as of September 30, 2017, that certain Third Amendment to the Agreement, dated as of December 21, 2017, and that certain Fourth Amendment to the Agreement, dated as of [pending signature], that certain Fifth Amendment to the Agreement, dated as of August 16, 2018, and that certain Sixth Amendment to the Agreement, dated as of [pending signature], in each case, to amend certain terms and conditions of the Agreement; and</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company desire to enter into this Seventh Amendment to the Agreement to further amend the Agreement and to set forth additional terms and conditions to govern the Program.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:12pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1&#160;&#160;&#160;&#160;AMENDMENTS TO THE AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:117px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:80px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1.1</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">Exhibit F to the Agreement is hereby further amended by adding, at the end thereof, the table attached hereto as Attachment A.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:138%;text-align:justify;padding-left:176px;text-indent:-48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1.1.1 </font><font style="font-family:inherit;font-size:12pt;">Company agrees to pay Bank [***] for work already performed for this Amendment, [***] completed between January 2018 and August 10</font><font style="font-family:inherit;font-size:8pt;">th</font><font style="font-family:inherit;font-size:12pt;">, 2018. A detailed fee schedule is attached hereto as</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></div><hr style="page-break-after:always"><div><a name="s87C97A6055B45A7B81235E5B44C9FBCE"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:176px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Attachment A. The payment for all work completed is due in accordance with invoicing procedures in Section 9.4 of the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">IN WITNESS WHEREOF, this Seventh Amendment is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:132px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:622px;border-collapse:collapse;text-align:left;"><tr><td colspan="7"></td></tr><tr><td style="width:52px;"></td><td style="width:5px;"></td><td style="width:265px;"></td><td style="width:5px;"></td><td style="width:49px;"></td><td style="width:5px;"></td><td style="width:241px;"></td></tr><tr><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T-MOBILE USA, INC. 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style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#828282;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#828282;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#828282;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Team</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Named Resource</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Role</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total Hours</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Hourly Rate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">T&amp;M Fees</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">TOTAL FEES $</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">[***] COSTS ($)</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:16px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">TOTAL PRICE TO [***]</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#d8d8d8;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">[***]</font></div></td></tr></table></div></div><div style="line-height:198%;padding-top:6px;text-align:center;padding-left:364px;text-indent:-48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Page 3</font></div><div><br></div>	</body>
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<DOCUMENT>
<TYPE>EX-10.30
<SEQUENCE>10
<FILENAME>a1030cobaltamendment8a.htm
<DESCRIPTION>EXHIBIT 10.30
<TEXT>
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		<title>Exhibit</title>
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<div><a name="sEB9C9FB8F7E054CC94E7DFF2D1F1B1A0"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Exhibit 10.30</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:90px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EIGHTH AMENDMENT TO</font></div><div style="line-height:120%;text-align:center;padding-left:90px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:78px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">This </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">EIGHTH AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM AGREEMENT</font><font style="font-family:inherit;font-size:12pt;">, dated as of December 9, 2018 (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Eighth Amendment Effective Date</font><font style="font-family:inherit;font-size:12pt;">&#8221;), is by and between </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T-MOBILE USA, INC.</font><font style="font-family:inherit;font-size:12pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:12pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and amends the Agreement (as defined below) (this &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Eighth Amendment</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:90px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017, which sets forth each Party&#8217;s rights and responsibilities with respect to developing, marketing, and offering the Program (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:12pt;">&#8221;);</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain First Amendment to the Agreement, dated as of September 30, 2017, that certain Second Amendment to the Agreement, dated as of September 30, 2017, that certain Third Amendment to the Agreement, dated as of December 21, 2017, and that certain Fourth Amendment to the Agreement, dated as of [pending signature], that certain Fifth Amendment to the Agreement, dated as of August 16, 2018, that certain Sixth Amendment to the Agreement, dated as of [pending signature], that certain Seventh Amendment to the Agreement, dated as of [pending signature], in each case, to amend certain terms and conditions of the Agreement; and</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company desire to enter into this Eighth Amendment to the Agreement to further amend the Agreement and to set forth additional terms and conditions to govern the Program.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:12pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1&#160;&#160;&#160;&#160;AMENDMENTS TO THE AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:117px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:80px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1.1</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">The Parties add to the Agreement as Exhibit &#8220;K&#8221; the document attached hereto as Attachment &#8220;A&#8221; for a fixed cost proposal for services listed.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">IN WITNESS WHEREOF, this Eighth Amendment is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></div><hr style="page-break-after:always"><div><a name="sACFA6FEE95415DB581F3859F12C107F2"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:132px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:550px;border-collapse:collapse;text-align:left;"><tr><td colspan="7"></td></tr><tr><td style="width:52px;"></td><td style="width:5px;"></td><td style="width:217px;"></td><td style="width:5px;"></td><td style="width:49px;"></td><td style="width:5px;"></td><td style="width:217px;"></td></tr><tr><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T-MOBILE USA, INC. 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style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">/s/ [***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">By:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">/s/ [***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Name:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Name:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">11/13/2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:10px;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">11/9/2018</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:102px;text-indent:30px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">DocuSigned by:</font></div><div style="line-height:120%;text-align:left;padding-left:102px;text-indent:30px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-Mobile Legal Approval By:</font></div><div style="line-height:120%;text-align:left;padding-left:102px;text-indent:30px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">/s/ [***]                              </font></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></div><hr style="page-break-after:always"><div><a name="sFF6D70B7EF19577FA46D2F3FD15F619C"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;padding-left:90px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">ATTACHMENT A TO THE EIGHTH AMENDMENT</font></div><div style="line-height:120%;padding-top:12px;text-align:center;padding-left:90px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Exhibit K</font></div><div style="line-height:128%;padding-top:12px;text-align:center;padding-left:90px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">DEVELOPMENT OF [***] PROPOSAL TO ADD ADDITIONAL SERVICES TO THE AGREEMENT</font></div><table cellpadding="0" cellspacing="0" style="padding-top:10px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:117px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:80px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1.1</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:12pt;">Bank will prepare a [***] proposal detailing [***] associated with the additional services Company requests to be added to the Agreement and outlined below (&#8220;Proposal&#8221;). 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Nothing in this Exhibit &#8220;K&#8221; obligates Bank to begin any technological development work on any of the services to be discussed in the Proposal or set forth in the table below.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:128px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1.1.2</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank contemplates that the Proposal will include a [***] to develop and implement the various services set forth in the table below [***] should Company and Bank agree to the development and implementation of the services contained in the Proposal.</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:128px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1.1.3</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Bank will begin work on the Proposal, [***], and continuing until the Proposal is complete or Company gives notice of termination concerning the work on this Proposal. [***].</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:128px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1.1.4</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Company may terminate any work under this Proposal upon sixty (60) days&#8217; written notice to Bank. [***].</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:176px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:128px;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">1.1.5</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">If Company desires that the services set forth in the Proposal be added to the Agreement, the parties shall enter into a further written agreement setting forth the terms and conditions upon which the Bank will perform those additional services. Bank is not obligated to provide any services described in the Proposal until such SOW has been agreed to by Bank and Company and added to the Agreement at a future date.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></div><hr style="page-break-after:always"><div><a name="sC427500AF1E650609BA6A12B256DDD4D"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:left;padding-left:132px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">SCOPE OF PROPOSED SERVICES TO BE ADDRESSED IN PROPOSAL</font></div><div style="line-height:120%;text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;padding-left:72px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:89.2623716153128%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:25%;"></td><td style="width:75%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Item</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Description</font></div></td></tr><tr><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#c0c0c0;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Category 1</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:8px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***] and [***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:30px;text-indent:-24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:8px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:30px;text-indent:-24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4</font></div></div><hr style="page-break-after:always"><div><a name="sEDB2D31861ED50ED924961C807F5F51B"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:72px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:89.2623716153128%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:25%;"></td><td style="width:75%;"></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Item</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Description</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:30px;text-indent:-24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:30px;text-indent:-24px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:130%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div></div><hr style="page-break-after:always"><div><a name="sA651C858F2235DD2B99ECAB101CC623E"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:72px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:89.2623716153128%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:0%;"></td><td style="width:25%;"></td><td style="width:75%;"></td></tr><tr><td><font>&#160;</font></td><td colspan="2" style="vertical-align:top;border-bottom:1px solid #000000;background-color:#c0c0c0;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;padding-left:6px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Category 2</font></div></td></tr><tr><td><font>&#160;</font></td><td rowspan="2" style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td rowspan="2" style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td><font>&#160;</font></td></tr><tr><td><font>&#160;</font></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:8px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6</font></div></div><hr style="page-break-after:always"><div><a name="s95F9527B64B85677BF0DF32354B46153"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:72px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:89.2623716153128%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:25%;"></td><td style="width:75%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr><tr><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td><td style="vertical-align:middle;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7</font></div></div>	</body>
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<TYPE>EX-10.31
<SEQUENCE>11
<FILENAME>a1031cobaltamendment9a.htm
<DESCRIPTION>EXHIBIT 10.31
<TEXT>
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<div><a name="s6752A48DBFD95D2199AD45DACBB09125"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:100%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Exhibit 10.31</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:center;padding-left:186px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">NINTH AMENDMENT TO</font></div><div style="line-height:120%;text-align:center;padding-left:186px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:128px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">This </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">NINTH AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM</font></div><div style="line-height:120%;text-align:justify;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">AGREEMENT</font><font style="font-family:inherit;font-size:12pt;">, dated as of September 28, 2018 (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Ninth Amendment Effective Date</font><font style="font-family:inherit;font-size:12pt;">&#8221;), is by and between </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T-MOBILE USA, INC.</font><font style="font-family:inherit;font-size:12pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:12pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:12pt;">&#8221;), and amends the Agreement (as defined below) (this &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Ninth Amendment</font><font style="font-family:inherit;font-size:12pt;">&#8221;). Capitalized terms used  but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:186px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017, which sets forth each Party&#8217;s rights and responsibilities with respect to developing, marketing, and offering the Program (the &#8220;</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">Agreement</font><font style="font-family:inherit;font-size:12pt;">&#8221;);</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-top:6px;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain First Amendment to the Agreement, dated as of September 30, 2017, that certain Second Amendment to the Agreement, dated as of September 30, 2017, that certain Third Amendment to the Agreement, dated as of December 21, 2017, that certain Fourth Amendment to the Agreement, dated as of [pending signature], that certain Fifth Amendment to the Agreement, dated as of August 16, 2018, that certain Sixth Amendment to the Agreement, dated as of September 26, 2018, that certain Seventh Amendment to the Agreement, dated as of September 26, 2018, and that certain Eighth Amendment to the Agreement, dated as of [pending signature], in each case, to amend certain terms and conditions of the Agreement; and</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company desire to enter into this Ninth Amendment to the Agreement to further amend the Agreement and to set forth additional terms and conditions to govern the Program.</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:12pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">AMENDMENTS TO THE AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:104px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:80px;"><font style="font-family:inherit;font-size:12pt;">1)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Warranty Period </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">-</font><font style="font-family:inherit;font-size:12pt;">&#32;Maintenance of Program Launch Resources: For a period of [***] from the Launch Date, Bank will maintain the business and technical resources listed on Schedule &#8220;A&#8221; to support, respond to and remedy any technical issues, bug fixes or issues with the Program for [***].</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></div><hr style="page-break-after:always"><div><a name="s67206B18560557D2B726026D79DA4B02"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:100%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:6px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:104px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:80px;"><font style="font-family:inherit;font-size:12pt;">2)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Additional Resources:  Bank deployed the business and technical resources to support T-Mobile-specific features delivered from [***] related to the following Company-specific features:</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:152px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:128px;"><font style="font-family:inherit;font-size:12pt;">i)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Usage of [***] throughout the T-Mobile MONEY experience, [***];</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:152px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:128px;"><font style="font-family:inherit;font-size:12pt;">ii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Removing [***] throughout the app and updates to support Company brand;</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; 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style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">10/9/2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">09/28/2018</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:6.5pt;"><font style="font-family:inherit;font-size:6.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:126px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">DocuSigned by:</font></div><div style="line-height:120%;text-align:left;padding-left:126px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-Mobile Legal Approval By</font></div><div style="line-height:120%;text-align:left;padding-left:126px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">:</font><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">/s/ [***]</font><font style="font-family:inherit;font-size:12pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;</font></div><div><a name="s62D1354739FE5C68A2FFA8DCF24C9863"></a></div><div style="line-height:120%;text-align:left;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:100%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;padding-top:6px;text-align:center;padding-left:353px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Schedule A</font></div><div style="line-height:120%;padding-top:12px;text-align:left;padding-left:269px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">List of Resources for Warranty Period</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:14.5pt;"><font style="font-family:inherit;font-size:14.5pt;"><br></font></div><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:120%;padding-top:16px;text-align:left;padding-left:80px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div><br></div><div><div style="line-height:100%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></div>	</body>
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<TYPE>EX-10.32
<SEQUENCE>12
<FILENAME>a1032cobaltamendment10a.htm
<DESCRIPTION>EXHIBIT 10.32
<TEXT>
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		<title>Exhibit</title>
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<div><a name="s0D8802D204AA5D83B6450085FD110BF4"></a></div><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:10.5pt;"><font style="font-family:inherit;font-size:10.5pt;">Exhibit 10.32</font></div><div style="line-height:120%;text-align:center;padding-left:186px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">TENTH AMENDMENT TO</font></div><div style="line-height:120%;text-align:center;padding-left:186px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">PRIVATE LABEL BANKING PROGRAM AGREEMENT</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:138%;text-align:left;padding-left:126px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">This </font><font style="font-family:inherit;font-size:12pt;font-weight:bold;">TENTH AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM</font></div><div style="line-height:120%;text-align:left;padding-left:72px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">AGREEMENT</font><font style="font-family:inherit;font-size:11pt;">, dated as of December </font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">27th</font><font style="font-family:inherit;font-size:11pt;">, 2018 (the &#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Tenth Amendment Effective Date</font><font style="font-family:inherit;font-size:11pt;">&#8221;), is by and between </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">T-MOBILE USA, INC.</font><font style="font-family:inherit;font-size:11pt;">, a corporation organized and existing under the laws of Delaware, with offices located at 12920 SE 38th Street, Bellevue, Washington 98006-1250 (&#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Company</font><font style="font-family:inherit;font-size:11pt;">&#8221;), and </font><font style="font-family:inherit;font-size:11pt;font-weight:bold;">CUSTOMERS BANK, </font><font style="font-family:inherit;font-size:11pt;">a Pennsylvania state-chartered banking institution with a mailing address of 99 Bridge Street, Phoenixville, Pennsylvania 19460 (&#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Bank</font><font style="font-family:inherit;font-size:11pt;">&#8221;), and amends the Agreement (as defined below) (this &#8220;</font><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Tenth Amendment</font><font style="font-family:inherit;font-size:11pt;">&#8221;). Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement.</font></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:186px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">RECITALS</font></div><div style="line-height:120%;text-align:left;font-size:15.5pt;"><font style="font-family:inherit;font-size:15.5pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain Private Label Banking Program Agreement, effective as of February 24, 2017, which sets forth each Party&#8217;s rights and responsibilities with respect to developing, marketing, and offering the Program (the &#8220;Agreement&#8221;);</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company entered into that certain First Amendment to the Agreement, dated as of September 30, 2017, that certain Second Amendment to the Agreement, dated as of September 30, 2017, that certain Third Amendment to the Agreement, dated as of December 21, 2017, that certain Fourth Amendment to the Agreement, dated as of December 1, 2018, that certain Fifth Amendment to the Agreement, dated as of August 16, 2018, that certain Sixth Amendment to the Agreement, dated as of September 26, 2018, that certain Seventh Amendment to the Agreement, dated as of September 26, 2018, that certain Eighth Amendment to the Agreement, dated as of November 9, 2018, and that certain Ninth Amendment to the Agreement, dated as of September 31, 2018, in each case, to amend certain terms and conditions of the Agreement; and</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;padding-top:10px;text-align:left;padding-left:80px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">WHEREAS, Bank and Company desire to enter into this Tenth Amendment to the Agreement to further amend the Agreement and to set forth additional terms and conditions to govern the Program.</font></div><div style="line-height:120%;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:80px;text-indent:60px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">NOW, THEREFORE, </font><font style="font-family:inherit;font-size:12pt;">in consideration of the promises, covenants, and agreements herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</font></div><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:80px;"><font style="font-family:inherit;font-size:12pt;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">Section 9.2 of the Agreement is hereby amended by adding, at the end thereof, the following provision:</font></div></td></tr></table><div style="line-height:120%;padding-top:1px;text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:161px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:110px;"><font style="font-family:inherit;font-size:12pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:left;font-size:12pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:10pt;">[***]</font><font style="font-family:inherit;font-size:12pt;">&#32;in connection with the development, design, and creation of additional features and functionality which were launched in beta releases in 2018, not previously referenced in this Agreement, attached hereto as Attachment A. These items are pending delivery in a production release before [***]</font></div></td></tr></table><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:137%;text-align:left;padding-left:88px;text-indent:72px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">[***]</font></div><div style="line-height:137%;text-align:left;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:137%;text-align:left;padding-left:88px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">IN WITNESS WHEREOF, this Agreement is executed by the Parties&#8217; authorized officers or representatives and shall be effective as of the date first above-written.</font></div><div style="line-height:120%;text-align:left;font-size:13pt;"><font style="font-family:inherit;font-size:13pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:132px;text-indent:0px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:588px;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:52px;"></td><td style="width:241px;"></td><td style="width:5px;"></td><td style="width:49px;"></td><td style="width:241px;"></td></tr><tr><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">T-MOBILE USA, INC. 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style="font-family:inherit;font-size:11.5pt;">/s/ [***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">By:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">/s/ [***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Name:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Name:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Title:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">[***]</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">12/30/2018 | 7:59 AM PST</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">Date:</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11.5pt;"><font style="font-family:inherit;font-size:11.5pt;">12/28/2018 | 10:06 AM PST</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-top:5px;text-align:left;padding-left:96px;text-indent:36px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">DocuSigned by:</font></div><div style="line-height:120%;text-align:left;padding-left:132px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">T-Mobile Legal Approval By:</font></div><div style="line-height:120%;text-align:left;padding-left:132px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;text-decoration:underline;">/s/ [***]                               </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;padding-left:78px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Certain identified information in this Exhibit, indicated by the mark &#8220;[***],&#8221; has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;padding-left:132px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;padding-left:132px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">ATTACHMENT A</font></div><div style="line-height:120%;padding-top:8px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;&#32;[***]</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>13
<FILENAME>cubi-12312018xex211a.htm
<DESCRIPTION>EXHIBIT 21.1
<TEXT>
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	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="sB2BCED09A3F451B99D952EFB56E87EB1"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit 21.1</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">List of Significant Subsidiaries of Customers Bancorp, Inc.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;text-decoration:underline;">Name:</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;text-decoration:underline;">Jurisdiction</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:24px;"><font style="font-family:inherit;font-size:10pt;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Customers Bank&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Pennsylvania</font></div></td></tr></table><div style="line-height:120%;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>14
<FILENAME>cubi-12312018xex311a.htm
<DESCRIPTION>EXHIBIT 31.1
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
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		<title>Exhibit</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s72A3BD9FB07F5D97BD37B55B6E7A1CB6"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit&#160;31.1</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">CERTIFICATION PURSUANT TO</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">RULES 13a-14(a) / 15d-14(a) UNDER THE SECURITIES EXCHANGE ACT OF&#160;1934, AS AMENDED</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">I, Jay S. Sidhu, certify that:</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:72px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">I have reviewed this Annual Report on Form 10-K/A of Customers Bancorp, Inc. and</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:72px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;">2.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report.</font></div></td></tr></table><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:320px;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:320px;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Jay S. Sidhu</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Jay S. Sidhu</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Chairman and Chief Executive Officer</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Principal Executive Officer)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Date: April&#160;24, 2019</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>15
<FILENAME>cubi-12312018xex312a.htm
<DESCRIPTION>EXHIBIT 31.2
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
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		<title>Exhibit</title>
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	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="s1DB38874AEC0563293319874000ABB0D"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit&#160;31.2</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">CERTIFICATION PURSUANT TO</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">RULES 13a-14(a) / 15d-14(a) UNDER THE SECURITIES EXCHANGE ACT OF&#160;1934, AS AMENDED</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">I, Carla A. Leibold, certify that:</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:72px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">I have reviewed this Annual Report on Form 10-K/A of Customers Bancorp, Inc. and</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:72px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;">2.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report.</font></div></td></tr></table><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:320px;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:320px;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Carla A. Leibold</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Carla A. Leibold</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Chief Financial Officer and Treasurer</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Principal Financial Officer)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Date: April&#160;24, 2019</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
