Certain identified information in this Exhibit, indicated by the mark “[***],” has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.





Exhibit 10.23


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FIRST AMENDMENT TO


PRIVATE LABEL BANKING PROGRAM AGREEMENT





This FIRST AMENDMENT TO THE PRIVATE LABEL BANKING PROGRAM


AGREEMENT, dated as of September 30 , 2017 (the " First 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 C USTOMERS BANK, a Pennsylvania state-chartered banking institution with a mailing addres s of 99 Bridge Street , Phoenixville , Pennsylvania 19460 ( " Bank " ) , and amends the Agreement (as defined below) (this " First  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 , 201 7 (the " Agreement ");





WHEREAS, the Agreement sets forth each Party ' s rights and responsibilitie s with respect to developing , marketing , and offering the Program; and





WHEREAS, Bank and Company desire to enter into this First Amendment to amend certain terms and conditions of the Agreement as set forth below .





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:





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|-- | -------------------------
|1. | AMENDMENTSTOTHE AGREEMENT




1.1  Section l of the Agreement is hereby amended by deleting the definition of "T- Mobile Financial Services" in its entirety and replacing it with the following definition:





" T-Mobile  Financial  Services " means the products and services described in Exhibit D, the features and functionality set forth on Exhibit F , and the additional features , functionality , and support set forth on Exhibit F .





1.2  Section l of the Agreement is hereby further amended by adding the following new defined terms:





[***] has the meaning ascribed to such term in Section 8.1(h) of this Agreement.





[***]

















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" Enhancements " has the meaning ascribed to such term in Section 1 1(e) of Exhibit D to this Agreement.





" Error " has the meaning ascribed to s uch term in Section 11(f)(ii)(6) of Exhibit D to this Agreement.





" Maintenance Window " has the meaning ascribed to such term in Section 11 (f)(i i)(5).





" Program  Solution " has the meaning ascribed to s uch term in Section 11 (a) of Exhibit Dto this Agreement.





" Program Solution Specifications " ha s the meaning ascribed to s uch term in Section


11(b) of Exhibit D to this Agreement.





" Program  Solution  Warranty Period  " has the meaning ascribed to such t e rm in Section 11(c) of Exhibit D to this Agreement.





[***]





[***]





" Statement of Work " has the meaning ascribed to such term in Section 11(a) of Exhibit D to this Agreement.





" S upport Services " has the meaning ascribed to such term in Section 11(f)(ii)(2) of Exhibit D to this Agreement.





" Technical  Improvements " has the meaning ascribed to such term in Section 11(d) of Exhibit D to this Agreement.





[***]





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|1.3 | Section6.1 of the Agreement is hereby amended andrestatedas follows:




















































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" 6.1 Bank shall administer the Program and provide the T-Mobile Financial Services in accordance with this Agreement (including, for the avoidance of doubt, Exhibit D ) . Bank shall use best efforts to cause [***],  in each case , in accordance with this Agreement. The Parties acknowledge that the offering of the Program [***] is subject to regulatory approval , provided, that Bank shall use be s t efforts to obtain such regulatory approval. "





1.4  Section 8.l(h) of the Agreement is hereby amended by addin g, at the end thereof, the following provision:





" Without limiting the generality of this Section 8.l(h) , Bank agrees that it will cause [***] to provide certain services in connection with the Program (such services, collectively , the [***] as Bank ' s third - party service provider. Bank further agrees that it will use best efforts to manage and monitor [***] in a manner that ensures [***] provides the [***] in accordance with this Agreement as if Bank were providing such [***] ; provided , that Bank shall be liable for [***] failure to provide the [***]  as described herein only to the extent Bank fails to use best efforts to manage and monitor [***] in a manner that ensures [***] provides the [***] in accordance with this Agreement. Except as otherwise agreed in writing by Company or as required in a Supervisory Objection , Bank shall not terminate its relationship with [***]; provided , that (i) if Bank terminates its relationship with [***] in accordance with this Section 8.l(h), Bank shall identify and enter into an agreement with a successor service provider prior to terminating its relationship with [***] and shall cause s uch successor service provider to (A) provide the [***] in accordance with this Agreement as if Bank were performing such [***] and (B) provide such [***] in a manner that causes no material disruption to the Program, and (ii) Bank ' s right to terminate its relationship with [***] as required in a Supervisory Objection shall be subject to Bank ' s obligations set forth in Section 8. l(n)."





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|--- | -------------------------------------------------------
|1.5 | The Agreementis herebyamendedbyadding [***] to Schedule

8.1 (h).





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|1.6 | Section 9.2 of the Agreement isherebyamended andrestatedas follows:




“ 9.2 Implementation Fee;  Project  Cost-Sharing .





(a)  Company agrees to pay a fee in the amount of [***] Bank for the development, design , creation, and implementation of the Program (the " Implementation  Fee " ). The Implementation Fee shall be paid [***]





























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[***] no later than thirty (30) days following Company's receipt of an invoice from Bank . The Parties acknowledge and agree that Company already has made [***] payment referenced in Section 9.2(a)(i).





(b)  In connection with Bank's provision of the additional features , functionality , and support set forth on Exhibit F [***], and T-Mobile­ s pecific busin e ss integration and logic support) :





(i)  Company agrees to pay to Bank [***] later than thirty (30) day s following Company ' s receipt of an invoice from Bank.





(ii)  Company agrees to pay to Bank [***] the amount s set forth on Exhibit B within ninety (90) days following the first calendar day of each calendar year during the Term following the launch of the Program for commercial use in the United States.





(c)  Company agrees to share certain costs with Bank in an amount up to [***] subject to and in accordance with the terms and conditions set forth on Schedule 9.2."





1.7  The Agreement is hereby amended by inserting, after Schedule 8.l(h), the new Schedule 9.2 set forth on Attachment A hereto .





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|1.8 | Section10.2(b) of the Agreement isherebyamended andrestatedas follows:




"(b) Durbin Exemption . 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 Bank no longer qualifie s for the Durbin Exemption and fails to consummate a transaction and assign this Agreement to a Durbin - Exempt Bank as contemplated by and in accordance with Section 8.1(1) and Section 15 .12, respectively; provided, that (i) neither Patty may exercise its right to terminate this Agreement pursuant to this Section 10 . 2(b) prior to July 1, 2019 , (ii) if either Patty exercises its right to terminate this Agreement pursuant to this Section 1 0.2(b), such Party shall notify the other Party in writing no later than thirty (30) days following the date on which Bank becomes subject to the Interchange Fee Limits of such Patty's decision to terminate this Agreement, and (iii) notwithstanding anything to the contrary in this Agreement (including either Patty's decision to terminate this Agreement pursuant to this Section 10 . 2(b)), Bank shall perform its obligations under this Agreement in accordanc e with the terms of this Agreement through July 1 , 2020 (the " Modified  Transition  Assistance Period "). For the avoidance of doubt, in the event of the termination of this Agreement pursuant to this Section 10.2(b ) , Company shall have the right to the Sale Option."





1.9  Section 10.4(a) of the Agreement is hereby amended by de l eting the first sentence in its entirety and replacing it with the following new sentence:

















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" Upon expiration or termination of this Agreement for any reason, except for a Supervisory Objection that directs Bank to terminate this Agreement , upon Company's written request, Bank shall continue to perform it s obligations under thi s Agreement for a period that does not exceed eighteen (18) months (the " Transition  Assistance Period "); provided, that , notwithstanding anything to the contrary herein, (i) if Company elects to accept the Sale Option, the duration of the Transition Assistance Period shall be eighteen (18) month s, and (ii) i f the Trans ition Assistance Period continues for more than twelv e  (12) months following the expirat ion or termination of this Agreement, the BankMobile Lab and Backoffice Serv ic es fee shall be redu ced from [***] per month for the r emainder of the Transition Assistance Period. "





1.10  Section 10.6 of the Agreement is hereby amended by replacing the reference to the "Term inati on Assistance Period" with a referenc e to the " Transit i on Assis t ance Period."





1.11  Section 11.4 of the Agreement is hereby amended by ( i ) adding " and Bank Privacy Policies" to the h ead in g , and (ii) adding the following ne w provision at the end thereof:





" Bank will maintain for the duration of the Term a privacy policy that comp l ete l y and acc uratel y discloses to consumers th e information Bank will provide to Company in connect ion with the Program , which privacy policy may change from time to time. Bank agrees to update its privacy policy prior to th e launch of the Beta Version , as necessary , to comply with this Sec ti on 11.4. "





1.12  Exhibit B to the Agreement i s hereb y amended by (i) deleting the " BankMobile Lab and Backoffice Services" row and rep lacing i t with the new "BankMobi le Lab and Backoffice Services" row set forth on Attachment B hereto , and (ii) amending and r es tatin g the "Card Production" section of Exhibit B as set fo rth on Attachment B heret o.





1.13  Exh ibit D to the Agreement is h ereby amended by (i) renumbering Section 11 thereof to Sect io n 1 2 and (ii) in sert ing the new Section 11  se t forth on Attachment C hereto.





1.14  Exhibit F to the Agreement is hereb y amended b y deleting Exhibit F in its entirety and replacing it with the new Exhibit F set forth on Attachment D hereto .





1.15  Sect ion 7(c) of Exhibit D to the Agreement i s hereby amended by inserting the following new Section 7(c)(v):





"(v) [***]


























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[***]

















IN WITNESS WHEREOF, this Agreement 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:Date:10/10/2017








APPROVED AS TO FORM


/s/ [***]


T-MOBILE LEGAL



















































































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ATTACHMENT A TO THE FIRST AMENDMENT





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SCHEDULE 9.2


ReleaseAmount of PaymentBank's Minimum RequirementsDate on which Bank Must Satisfy Minimum RequirementsPayment TermsTest 0.4[***]To be eligible to receive a payment in the amount set forth in the second column, Bank must satisfy the following minimum requirements:•    [***]•    [***]•    [***]•    [***]•    [***]•    [***]•    [***]•    [***]•    [***] integration in a test environment[***]Company will make a payment in the amount set forth in the second column followingBank's satisfaction ofthe minimumrequirements in accordance with the terms hereof.  If Bank fails to satisfy the minimum requirements by [***], then the amount of payment set forth in the second column will be [***]. If Bank fails to satisfy the minimum requirements by [***], then Bank[***] the second column. Notwithstanding the immediately preceding sentence, (i) if Bank's failure to satisfy the

















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ReleaseAmount of PaymentBank’s Minimum RequirementDate on which Bank Must Satisfy Minimum RequirementsPayment Termsminimum requirements by [***], is caused solely by Company's failure to perform a material obligation mutually agreed to by the Partiesin writing during the weekly steeringmeetings for theProgram, Company will be responsible formaking a payment in the amount owed to Bank as of the date the Bank would have met the minimum requirements but for Company'sfailure to perform the material obligation mutually agreed to bythe Parties in writing during the weekly steering meetings for the Program, and (ii) ifBank fails to satisfy the minimum requirements by [***], but satisfies the minimum requirements for the























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ReleaseAmount of PaymentBank's Minimum RequirementsDate on whichBank Must SatisfyMinimum RequirementsPaymentTermsTest0.4releaseand theBeta 1.1 releasenolaterthan [***],thenBank will be entitled to a payment intheamount set forthinthe secondcolumnforthe Test0.4 releaseorthebalance oftheamount set forth in thesecondcolumnifthepaymentpreviously wasreducedby [***]inaccordance with the terms hereof, asapplicable.Beta 1.1[***]Tobe eligibletoreceivea payment inan amountset forth inthe secondcolumn, Bank mustsatisfythe minimum requirementsapplicableto theTest0.4 release, inadditionto the following additional requirements:•[***]•[***] integration in aDecember 15, 2017Companywill makeapayment in the amount setforth inthe second columnfollowingBank'ssatisfactionoftheminimum requirements inaccordancewiththetermshereof. If Bankfailsto satisfytheminimumrequirementsby [***],











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ReleaseAmount of PaymentBank’s Minimum RequirementDate on which Bank Must Satisfy Minimum RequirementsPayment Termsproduction environment•     [***]•     [***] features, as availablethen 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.Notwithstanding the immediately preceding sentence, (i) if Bank's failure to satisfy the minimum requirementsby [***], is caused solely by Company's failure to perform a material obligation mutuallyagreed to by the Partiesin writing during the weekly steeringmeetings for theProgram, Company willbe responsible formaking a payment in the amount owed to Bank as























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ReleaseAmount of PaymentBank's Minimum RequirementsDate on which Bank Must Satisfy Minimum RequirementsPayment Termsof 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, and (ii) if Bank fails to satisfy the minimum requirements by [***], but satisfies the minimum requirements for the Beta 1.1 release and the National Launch 1.2 release no later than [***], then Bank will be entitled to a payment in the amount set forth in the second column for the Beta 1.1 release or the balance of the amount set forth in the second column [***] in accordance

















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ReleaseAmount of PaymentBank'sMinimumRequirementsDateon which Bank Must Satisfy Minimum RequirementsPayment Termswith the terms hereof, as applicable.National Launch 1.2[***]To be eligible to receivea payment in an amount set forth in the second column, Bank must launch all products and services set forth in the Agreement (including,for the avoidance of doubt, as described in Exhibit D), all features and functionality setforth on Exhibit F, andall additional features, functionality, andsupport set forth on Exhibit F.[***]If Bank fails to satisfythe minimum requirements by[***], then Bank shall not beentitled to any payment.  Notwithstanding the foregoing, (i) the date on which Bank must satisfy the minimum requirements shall be extended until [***], upon Bank's written request to Company for such an extension; provided, that Bank shall not beentitled to such an extension if Bank failsto request such an extension in writing by [***]; and(ii) if Bank's failure to satisfy the minimum requirements by[***], is caused solely by Company's failure to














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ReleaseAmount of PaymentBank's Minimum RequirementsDate on which Bank Must Satisfy Minimum RequirementsPayment Termsperform 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.








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ATTACHMENT B TO THE FIRST AMENDMENT





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















































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Card Production[***][***][***]Additional customization available on a quoted basis[***][***][***]Additional customization available on a quoted basis[***][***][***][***][***][***][***]Digital Wallet








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ATTACHMENT C TO THE FIRST AMENDMENT






























































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|11. | DeliveryandAcceptance ofProgram Solutions.




(a) Delivery . Company may inquire about the quality and progress of any deliverable contemplated in the Agreement or in any statement of work between the Patties, including, for the avoidance of doubt, the Digital Banking Platform and the Mobile Application (each such deliverable, a " Program  Solution ," and each such statement of work , a " Statement of  Work ") at any time and may inspect any such Program Solution upon reasonable notice to Bank. Bank will deliver any Program S olution either electronically or to a destination designated by Company. For the avoidance of doubt , Bank shall be under no obligation to disclos e its source code for any such Program Solution to Company.





(b) Acceptance of  Program  S olutions .    Exc e pt as oth e rwi se provided in  the Agreement (including in Section 10(e) of this Exhibit D) , each Program Solution will be subject to the acceptance periods set forth in thi s Section 11 . Except as otherwise provided in the Agreement (including in Section 10(e) of this Exhibit D) , Company will have [***] following the delivery of any Program So luti on to evaluate such Program Solution and to submit a wr itt en notice of acceptance or rejection of such Program Solution to Bank. The Parties may mutually agree to a longer time period for Company's review and acceptance or rejection of any Program Solution. Company may reject any Program Solution or any portion thereof if such Program Solution or such portion thereof does not conform to the specifications , technical requirements , and other requirements of Company (collectively , the " Program So luti on Specifications ") applicable to such Program Solution; provided , that Company shall specify in reasonable detail the nature of the nonconformance of such Program Solution. If Company rejects any Program So luti on or any portion thereof, Bank shall correct such Program Solution or such portion thereof and shall deliver the updated Program Solution to Company within [***] following Bank ' s receipt of such rejection notice.  If Bank is unable to correct the nonconformance of any Program Solution or any portion thereof and gain Company's acceptance of such Program Solution or portion thereof, then Company may provide notice of rejection of such Program Solution . This process sha ll be repeated until Company either rejects a n y Program So luti on or notifies Bank in writing of Company' s acceptance of such Program Solution , or until Bank notifies Company that the Program Solution Specifications for such Program Solution will need to be modified in order to achieve acceptance, in which case , if Company agrees in its reasonable discretion to modify the Program Solution Specifications, the process for acceptance of such Program Solution , as modified , will be repeated in accordance with this Section 11(b). Program So luti ons provided to Company will not be deemed accepted until Company provides wr itt en notice of acceptance of such Program Solutions . For the avoidance of doubt, payment for such Program Solutions prior to acceptance will not constitute acceptance thereof,  and is without prejudice to any claims that Company may have against Bank for breach of Bank's obligations under the Agreement or any Statement of Work.





(c) Warranty .    Bank warrants that , from the date of acceptance of any Program Solution through the Term (the " Program  Solut ion  Warranty Period " ) , such Program Solution shall conform in all material respects with, and perform the functions set forth in , the Program Solut i on Specifications and shall be free from defects in design , material , and workmanship. If, during the Program Solution Warranty P e riod, Bank is notified by Company of any such defects in design, material , or workmanship, or of any nonconformity with the Program Solut i on Specifications, then Bank shall correct the applicable Program Solution, at Bank ' s expense and











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at no cost to Company, in accordance with the Response Time , the Workaround Time , and the R eso lution Time requirement s set forth in Section 11 (f) of this Exhibit D. S uch correction shall include, without limitation , all material, labor, and services in connection with correcting the app l icable Program Solution.





(d) Maintenance . Throughout the Term, Bank will provid e to Company all fixe s, patches , and other s imilar technical improv emen t s to any Program Solution (collectively, " Technical  Improvem en ts ") at no additional cost to Company. All s uch Technical Improvements will be subject to the terms of the Agreement. For the avoidan ce of doubt , Company ha s no obligation to impl emen t any T ec hnical Improv e ment s unle ss and until such T ec hnical Improv e ment s h ave been accepted b y Company pur s uant to Sec tion 11 (b ). Co mpan y will not have any obligation to u se any Technical Improvement s provided by Bank and Bank will not make any changes that result in a de gra dation to the functionality or performance of any Program So lution without Company ' s prior written consent. Notwithstanding anything to the contrary, Bank may not make material changes that impact th e feature s and / or functionality of any Pro gra m So lution without the prior written approva l of Company.





(e) Updates and Upgrades . Bank shall provide to Company , and maintain , the Program So lution s with any and all enhancements, updates , upgrade s, and new versions of the Program So lutions (collectively , the " Enhancements ") that Bank makes commercially available in the form and format reasonably s pecified by Company. Such Enhancements shall b e deemed to be Program Solutions if such Enhancements are included by Bank a s part o f the Program Solutions and shall be covered by the Support Services set forth in the Agreement. Company shall have the right to review and approve any Enhancement of any Program Solution before such Enhancement is di s tributed for commercial use in connection with the Program.





(f) Service Levels and Support for  Program  Solutions . The following serv ice lev e l and support requirements shall apply to the Program Solutions and shall supplement the Service Leve l s set forth in Exhibit C of the Agreement.





(i) Availability . Bank s hall provid e the Program Solutions in accordance with th e Agreem e nt [***].


(ii)  General  S upport . Bank shall provide s upport for the Program So lution  as


set forth below .


(1)  Bank s hall provide all necessar y resource s to support acceptance testin g, trouble s hootin g, and implementation of the Pro g ram Solutions.





(2)  Bank shall provide all support and maintenance services, including technical support serv i ces, that are necessary for the Program Solutions to perform in accordance with the Agreement, any Statement of Work , the Program So lution S pecifications , and any o ther applicable technical document s and r eq uir e ments (collectively, the " Support Services " ). Bank shall provide s uch Support Services [***] , in accordance with Re s ponse Time , Workaround Time , and R eso lution Time requirements se t forth b e low at no additional cost to Company. Bank shall ensure that each of it s

















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personnel performing any Support Services are experienced, knowledgeable, and qualified in the use, maintenance, and support of all Program Solutions. Bank will provide contact information for Bank's technical support, including a toll-free telephone number and email addresses , within a reasonable period of time.





In addition to the above contact information , Bank may provide direct numbers and dedicated support and account representatives to Company in writing . Bank may change any of the foregoing contact information from time to time b y delivering written notice to Company as soon as reasonably practicable in advance of such change; provided , that at least one number or address is available for each means of contact at all times.





(3)  Bank shall monitor the Program Solutions to ensure that they · are being provided according to the Agreement , any Statement of Work , the Program Solution Specifications, and an y other applicable technical documents and requirements.





(4)  Bank promptly shall report all outages, including any performance degradation , to the contact person or email alias identified by Company from time to time.





(5)  Bank may schedule upgrade s and maintenance for the Program Solutions at commercially reasonable hours (the " Maintenance Window "); provided , that Bank shall notify Company in writing [***].





(6)  Bank shall communicate to Company immediately any non- scheduled or emergency maintenance that may impact the Program Solutions . Bank's failure to notify Company of a Maintenance Window or an unscheduled or emergency maintenance period that results in any failure of any Program Solution to perform and operate in accordance with the Agreement, any Statement of Work, Program Solution Specifications, and any other technical or other requirements of Company ( each, an " E rror " ) that constitutes a Severity Level I or Severity Level 2 (as defined below) condition in a given year will constitute a material breach of the Agreement.





(iii)  Severity  Levels . If Bank detects an Error with any Program Solution, or if Company reports an Error with any Program Solution to Bank , such Error will be promptly classified by such Party in accordance with the table below.





SeverityLevelDefinitionSeverity Level IAn emergency conditionwhichmakes the useor continueduseof any one ormore critical functions ofanyProgramSolutionimpossible orseverelyimpactsamajority of users.SeverityLevel 2Anyconditionlasting longer [***] which makes the use orcontinueduse of anyoneor more functions of any Program Solution difficultand which Company cannot

















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reasonablycircumvent oravoidona temporary basiswithouttheexpenditure of significanttimeor effort.SeverityLevel3Anylimited problemcondition whichis notcriticalinthatno lossofdataoccurs and which Companycan reasonablycircumventoravoid on atemporarybasis without the expenditureofsignificanttimeor effort.Severity Level 4Aminorproblem condition orDocumentationerror which Company caneasilycircumvent oravoid.








(iv)  The table below sets forth Bank ' s Response Time, Workaround Time, and Resolution Time requirements in conne ctio n with any Error.





Severity LevelResponse TimeWorkaround TimeResolution TimeSeverity Level 1[***][***][***] or a mutually agreed upon time periodSeverity Level 2[***][***][***] or a mutually agreed upon time periodSeverity Level 3[***][***][***] or a mutually agreed upon time periodSeverity Level 4[***][***][***] or a mutually agreed upon time period





For purposes of this Section 11 ,  the following terms shall have the meanings set forth below:





" Response Time " means the amount of time , from the time Bank becomes aware, or should have become aware , of any Error, in which Bank s hall notify or respond to Company, as applicable, via telephone or email to report such Error or to acknowledge receipt of Company's notification to Bank of such Error.


" Workaround Time " means the amount of time, from the time Bank becomes aware, or should have become aware, of any Error, in which Bank shall provide a Workaround for such Error. For purposes of this definition , " Workaround " means a reasonable temporary resolution for any Error.























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" Reso lution  Time " means the amount of time, from the time Bank becomes aware , or should have become aware, of any Erro r, in which Bank shall provide a Resolution for such Error. For purposes of this definition , " Reso lution " means a reasonable permanent resolution for any Error .


(v) Remedies . In the event that Bank fails to m eet th e Response Time, the Workaround Time , or the Resolution Time requirements set forth above and such failure constit ut es a Severity Level I condition, Company shall [***] for each s u ch failure. The Parties acknow l edge and agre e that Bank ' s failure to comply w ith the Respon se Time , Workaround Time, a nd Resolution Time requirements set forth herein will cause Company t o suffer an injury that is difficult or impo ssib l e to accurately estimate , that the amounts set faith in this Section 11(f)(v) are a reasonable estimate, based on the parties' experience in the industry, of the damages Compan y may in c ur i f Bank fails to comp l y with such Response T im e, Workaround Time, or Resolution Time requirements in a manner that const itut es a Severity Level I condition, and that the amounts set forth in this Sect ion 11 (f)(v) constitute liqu idated damages and not penalties.













































































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Certain identified information in this Exhibit, indicated by the mark “[***],” has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.





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ATTACHMENT D TO THE FIRST AMENDMENT





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Certain identified information in this Exhibit, indicated by the mark “[***],” has been excluded because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed.








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EXHIBIT F


FEATURES AND FUNCTIONALITY


TimeframeTable StakesMobile-First[***]Launch DateAvailability:Bank's mobile application willavailable to be delivered withinvarious mobile applicationstoresAccount Management:1. [***]2. View balance3. View transaction history4. [***]5. View statements6. View basic accountinformation [***]7. Conversational user interfaceto guide users through the post-application fulfillment processor for other key messages8. Running balancevisualizationMoney In/Money Out:1. Debit card2. [***]3. [***]4. [***]Account Access:1. [***]2. [***]3. [***]4. Tab-bar based navigation following popular mobile app conventionActivation/Enrollment:1. Streamlined [***] enrollment [***]2. [***]3. Activate new debit cards [***]Money In/Out:1. Mobile wallet pushprovisioning (virtual orphysical card)2. [***]3. [***]4. [***]5. [***][***]


























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5. [***]6. [***]7. [***]8. [***]9. [***]10. [***]6. Universal money movement to handle multiple use casesAlerts:1. [***]2. [***]3. [***]4. [***]5. [***]6. [***]7. [***]8. [***]9. Access and security alerts10. [***]11. [***]Self Service:1. Activate debit card2. [***]3. [***]4. Secure messaging center or like contact method5. Contact us (with preloaded contact information)6. Update name, address, phone, email7. Add account nicknames8. Report lost/stolen cards9. Suppress paper statements10. [***]11. Privacy policy12. Disclosures




















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13. Other legal agreements14. FAQs


*These features are excluded from the exclusivity requirements in Section 15.4(b).































































































ADDITIONAL FEATURES, FUNCTIONALITY, AND SUPPORT





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Feature NameFunctional ScopeNon-Functional ScopeOut of Scope[***][***][***][***][***] FullyAutomated   [***] Support•    Promoting for automatic [***] in the right situations•    UI/UX for walking customers through an automated [***] change via [***]•    UI/UX for providing customer status or handling exceptionswith incomplete automated[***] setups•    Internal usage reports and [***]•    [***]•    Assessment of the [***]•    [***] back-end APIintegration and maturing a vendoron new APIs•    Storage and state management of [***] status•    Ongoing back-officeadministration, contracting, andsetup•    Compliance, risk, fraud, andinformation security governance•    All [***] services that are not [***] related•    Outbound [***] services•    [***]

















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[***][***][***][***][***] andBusiness   Logic Support•    Consume and interpret [***] and [***] data objects "as-is,"without any context to [***] or other [***]/Bank business integration concerns•    Store the [***] data object, including [***], for multiple downstream processes, including [***]and [***]•    Detect [***] change events, [***]eligibility, and fulfill eligibility with an extensible solution to add additional [***] premiums in the future with minimal change•    A [***] program will be written that must interpret [***] data objects with [***] business logic, before sending it into a standard Bank [***] premiums engine.•    (Note: This does not includeBank's build out of a [***] engine)•    Functional design, technical design, development, testing,performance testing, compliance, risk and information security governance•    Additional business logic complexity to interpret [***] data above andbeyond the sample attributes provided to Bank by [***].•    End-to-end business process analysis for data integration requirements





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