Portions of this Exhibit, indicated by the mark “[***]” have been omitted and
filed separately with the Securities and Exchange Commission.  Confidential
treatment has been requested with respect to this omitted information.

Exhibit 10.31

NINTH AMENDMENT TO
PRIVATE LABEL BANKING PROGRAM AGREEMENT

This NINTH AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM
AGREEMENT, dated as of September 28, 2018 (the “Ninth Amendment Effective
Date”), is by and between T-MOBILE USA, INC., a corporation organized and
existing under the laws of Delaware, with offices located at 12920 SE 38th
Street, Bellevue, Washington 98006-1250 (“Company”), and CUSTOMERS BANK, a
Pennsylvania state-chartered banking institution with a mailing address of 99
Bridge Street, Phoenixville, Pennsylvania 19460 (“Bank”), and amends the
Agreement (as defined below) (this “Ninth Amendment”). Capitalized terms used
but not defined herein shall have the meanings ascribed to such terms in the
Agreement.

RECITALS

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 “Agreement”);

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

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.

NOW, THEREFORE, 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:

AMENDMENTS TO THE AGREEMENT

1)
Warranty Period - Maintenance of Program Launch Resources: For a period of [***]
from the Launch Date, Bank will maintain the business and technical resources
listed on Schedule “A” to support, respond to and remedy any technical issues,
bug fixes or issues with the Program for [***].

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--------------------------------------------------------------------------------

Portions of this Exhibit, indicated by the mark “[***]” have been omitted and
filed separately with the Securities and Exchange Commission.  Confidential
treatment has been requested with respect to this omitted information.

2)
Additional Resources: Bank deployed the business and technical resources to
support T-Mobile-specific features delivered from [***] related to the following
Company-specific features:

i)
Usage of [***] throughout the T-Mobile MONEY experience, [***];

ii)
Removing [***] throughout the app and updates to support Company brand;

iii)
Various updates to the application content and style, including promotional
programs such as [***] language changes, T-Mobile MONEY logo, content, and UX
improvements;

iv)
Change request to [***], and make it configurable post- launch;

v)
Company employee support for [***] through [***];

vi)
[***];

vii)
Various updates to data integration between Company and Bank based on changes
discovered in testing, or descopes from Company.

3)
[***]

IN WITNESS WHEREOF, this Ninth Amendment is executed by the Parties’ authorized
officers or representatives and shall be effective as of the date first
above-written.

T-MOBILE USA, INC. (COMPANY)
 
CUSTOMERS BANK (CUBI)
By:
 
/s/ [***]
 
By:
 
/s/ [***]
Name:
 
[***]
 
Name:
 
[***]
Title:
 
[***]
 
Title:
 
[***]
Date:
 
10/9/2018
 
Date:
 
09/28/2018

DocuSigned by:
T-Mobile Legal Approval By
:/s/ [***]

2

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Portions of this Exhibit, indicated by the mark “[***]” have been omitted and
filed separately with the Securities and Exchange Commission.  Confidential
treatment has been requested with respect to this omitted information.

Schedule A
List of Resources for Warranty Period

[***]
[***]
[***]
[***]
[***]
[***]
[***]
[***]

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