# EDGAR Filing Document

**Accession Number:** 0001297602
**File Stem:** 0001297602-25-000021
**Filing Date:** 2025-12
**Character Count:** 47616
**Document Hash:** 1b948968f3c942d14813800410ed67c7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001297602-25-000021.hdr.sgml**: 20251229

**ACCESSION NUMBER**: 0001297602-25-000021

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13D/A

**PUBLIC DOCUMENT COUNT**: 3

**FILED AS OF DATE**: 20251229

**DATE AS OF CHANGE**: 20251229

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Better Home & Finance Holding Co
- **CENTRAL INDEX KEY:** 0001835856
- **STANDARD INDUSTRIAL CLASSIFICATION:** LOAN BROKERS [6163]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 933029990
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13D/A
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-92369
- **FILM NUMBER:** 251610242

**BUSINESS ADDRESS:**
- **STREET 1:** 3 WORLD TRADE CENTER
- **STREET 2:** 175 GREENWICH STREET, 57TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10007
- **BUSINESS PHONE:** 646-839-0086

**MAIL ADDRESS:**
- **STREET 1:** 3 WORLD TRADE CENTER
- **STREET 2:** 175 GREENWICH STREET, 57TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10007

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Aurora Acquisition Corp.
- **DATE OF NAME CHANGE:** 20201211

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Aurora Capital Holding Corp.
- **DATE OF NAME CHANGE:** 20201209
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Garg Vishal
- **CENTRAL INDEX KEY:** 0001297602

**ORGANIZATION NAME:**

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13D/A

**MAIL ADDRESS:**
- **STREET 1:** C/O BETTER HOME & FINANCE HOLDING CO.
- **STREET 2:** 175 GREENWICH STREET, 57TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10007

## Exhibit 99.17

**&nbsp;&nbsp;&nbsp;&nbsp;**![image_0.jpg](image_0.jpg)

**<u>Purchase Plan</u>**

Purchase Plan, adopted _____________ (the "Purchase Plan and such date the "Adoption Date"), between ________ ("Purchaser") and J.P. Morgan Securities LLC ("JPMS"). The purpose of this Purchase Plan is to aid in achieving the investment objectives of the Purchaser.

***RECITALS***

WHEREAS, the Purchaser desires to establish this Purchase Plan to buy common shares (the "Stock") of _________________ (the "Issuer").

WHEREAS, the Purchaser desires to buy a total of __________ shares of Stock (the "Total Plan Shares"); and

WHEREAS, the Purchaser desires to engage JPMS to effect purchases of shares of Stock in accordance with the Purchase Plan;

NOW, THEREFORE, the Purchaser and JPMS hereby agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***A. IMPLEMENTATION OF THE PURCHASE PLAN***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;JPMS shall effect purchases (each a "Purchase") of shares of Stock only on days on which ________ (the "Exchange") is open and the Stock trades regular way on the Exchange ("Trading Day"), pursuant to the specific instructions specified on Schedule A.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser acknowledges and agrees that JPMS will handle the above order on a best efforts basis. In the event any limit prices of orders are away from the prevailing market at any time, there can be no assurance that such orders will be executed in whole or in part. Purchaser agrees that all orders may be partially executed and will not be treated as an all or none order.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;In accordance with JPMS's customary procedures, JPMS will deposit shares of Stock purchased hereunder into the JPMorgan Chase Bank, N.A. Asset Custody Account or JPMS Margin Brokerage Account ("Account") of Purchaser against payment to JPMS of the purchase price therefor and commissions and other amounts in respect thereof payable pursuant to this Section. Purchaser will be notified of all transactions pursuant to customary trade confirmations. Purchaser's obligation to make payment in respect of any shares of Stock purchased prior to any termination hereof shall survive such termination hereof.

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**&nbsp;&nbsp;&nbsp;&nbsp;**![image_0.jpg](image_0.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;&nbsp;&nbsp;&nbsp;JPMS will charge its reasonable and customary commissions for the purchase of shares of Stock under this Purchase Plan, together with any other expenses incurred by JPMS in connection with such purchases.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;The Total Plan Shares, other share amounts and prices, if applicable, set forth above and in Schedule A shall be adjusted automatically on a proportionate basis to take into account any stock split, reverse stock split or stock dividend with respect to the Stock or any change in capitalization with respect to the Issuer that occurs during the term of this Purchase Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;Subject to Paragraph E.6, purchases will commence under this Purchase Plan on the Purchase Commencement Date, as defined in Schedule A, and shall terminate on the earlier of (a) the close of business on the Purchase End Date, as defined in Schedule A; (b) the date on which the Total Plan Shares have been purchased; (c) the date this Purchase Plan is terminated pursuant to Section D; (d) the dissolution or termination of Purchaser's existence under applicable law, provided that any such dissolution or termination shall be made in good faith and not (i) for the purpose of indirectly causing termination of this Purchase Plan, (ii) as a part of a plan or scheme to evade the prohibitions of Rule 10b5-1 or other applicable securities laws, or (iii) as a part of a plan or scheme to evade the provisions of Section E of this Purchase Plan; (e) the date on which the unit of JPMS responsible for executing purchases of Stock pursuant to this Purchase Plan receives notice or otherwise becomes aware of (i) the closing of a tender or exchange offer with respect to the Stock or of a merger, acquisition, reorganization, recapitalization or comparable transaction affecting the securities of the Issuer as a result of which the Stock is to be exchanged or converted into shares of another company or for other consideration; or (ii) the commencement or impending commencement of any proceedings in respect of or triggered by Purchaser's bankruptcy or insolvency; or (e) the failure of Purchaser to comply with Paragraph A.3 above. Notwithstanding the above, this Purchase Plan shall not be considered effective, but instead shall be considered null and void, if at least one of the accounts referenced in A.3 above has not been established in the name of Purchaser and open for the receipt of Stock by the Purchase Commencement Date. Purchaser understands that such an account cannot be opened until JPMS, and its affiliates have performed customer due diligence and customer identification in accordance with internal policies and procedures and relevant federal laws including, but not limited to, the Bank Secrecy Act as amended by the USA PATRIOT Act and the regulations promulgated thereunder. Purchaser understands that there may be significant time delays during this process and that an account may not be open for the receipt of Stock by the Purchase Commencement Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser acknowledges and agrees that it does not have authority, influence, or control over any purchases of Stock effected by JPMS pursuant to this Purchase Plan, and will not attempt to exercise any authority, influence or control over such purchases. JPMS agrees not to seek advice from Purchaser with respect to the manner in which it effects purchases under this Purchase Plan. JPMS may use its discretion in how to work

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**&nbsp;&nbsp;&nbsp;&nbsp;**![image_0.jpg](image_0.jpg)

the order to attempt to achieve the best execution below the maximum price per share, but at no time will the Purchaser communicate to JPMS any instructions on how to execute the order.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser will be notified of all transactions pursuant to customary trade confirmations that are provided in the normal course of business. In addition, JPMS will use reasonable efforts to notify both the Issuer and the Purchaser via email of each transaction pursuant to this Purchase Plan no later than one Trading Day after the trading date of such transaction. Such notifications shall be sent to the following distribution list as indicated in Schedule A, or such other persons as Issuer may direct in writing from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser understands that JPMS may not be able to effect a purchase due to a market disruption or a legal, regulatory or contractual restriction or internal policy applicable to JPMS. If any purchase cannot be executed as required by Paragraph A.1, due to a market disruption, a legal, regulatory or contractual restriction applicable to JPMS or any other such event, such purchase shall be cancelled and shall not be effected pursuant to this Purchase Plan, and, notwithstanding any language to the contrary herein, there shall be no carryover associated with such cancelled purchase.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.&nbsp;&nbsp;&nbsp;&nbsp;It is the intent of the parties that this Purchase Plan comply with the requirements of Rule 10b5-1(c)(1)(i)(B) and Rule 10b-18 under the Securities Exchange Act of 1934 (the "Exchange Act") and this Purchase Plan shall be interpreted to comply with the requirements thereof. JPMS shall comply with the requirements of paragraphs (b)(2), (b)(3) and (b)(4) of Rule 10b-18 under the Exchange Act in connection with Purchases of Stock in the open market pursuant to this Purchase Plan. The Purchaser agrees not to take any action or cause another person to take any action that would cause Purchases not to comply with Rule 10b-18 or Rule 10b5-1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***B. REPRESENTATIONS AND AGREEMENTS OF PURCHASER***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser represents and warrants that as of the time of execution of, and entering into, this Purchase Plan, (a) to the best of Purchaser's knowledge there is no blackout period (as defined in 17 C.F.R. Section 245.100(b), a "Blackout Period") in effect for Issuer, (b) the Purchaser is not aware of any material, nonpublic information with respect to the Issuer or any securities of the Issuer (including the Stock) or of the actual or approximate beginning or ending dates of a Blackout Period for Issuer, and, (c) the Purchaser is entering into this Purchase Plan, and the transactions contemplated herein, in good faith and not as part of a plan or scheme to evade the prohibitions of any applicable laws or regulations, such as Rules 10b5-1 and 10b-18 under the Exchange Act. Purchaser further agrees to act in good faith with regard to this Purchase Plan, including without limitation any suspension, termination and/or amendment. For the avoidance of doubt, to the extent Purchaser is a director or officer of Issuer (as defined in Rule 16a-1(f) under the Exchange Act, and regardless of whether Issuer is otherwise subject to Section

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**&nbsp;&nbsp;&nbsp;&nbsp;**![image_0.jpg](image_0.jpg)

16 of the Exchange Act and the rules thereunder), Purchaser's representations in clauses (b) and (c) of this Paragraph B.1 are intended as "certifying" representations for purposes of Rule 10b5-1(c)(1)(ii)(C) under the Exchange Act.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;At the time of Purchaser's execution of this Purchase Plan, Purchaser has not: (a) entered into or altered a corresponding or hedging transaction with respect to the Total Plan Shares; or (b) entered into or given any additional contract, instruction, or plan that would qualify for the affirmative defense under Rule 10b5-1(c)(1) under the Exchange Act. While this Purchase Plan remains in effect, Purchaser agrees: (c) not to enter into any such transaction described in clause (a); and (d) not to enter into or give any additional contract, instruction or plan described in clause (b) without the prior consent of JPMS. JPMS will require certain representations from Purchaser and acknowledgement of Issuer as a condition to granting such consent. .

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser agrees to make all filings, if any, required under and monitor Purchaser's own compliance with Sections 13(d), 13(g) and 16 of the Exchange Act.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser acknowledges and agrees that JPMS has no duty to determine whether Purchaser has violated Sections 13(d), 13(g) or 16 of the Securities Exchange Act of 1934, as amended, or the rules adopted by the SEC thereunder, or any other laws or regulations applicable to the Purchaser in connection with this Purchase Plan. Purchaser understands that this Plan in no way alters Purchaser's obligations and responsibilities under Section 16, including those prohibitions against short swing profits. JPMS has no duty to ascertain or advise on any reporting or disclosure requirements that may apply to Issuer (including, without limitation, the obligations contained in the U.S. Securities and Exchange Commission's December 2022 rulemaking regarding Rule 10b5-1 under the Exchange Act and related matters (publicly available at 87 *Federal Register* 80362 (Dec. 29, 2022)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser understands the laws and regulations of U.S. states or non-United States jurisdictions (collectively, "State or Foreign Regulation") may impose further restrictions or limitations on purchases of shares of Stock by or on behalf of Purchaser. State or Foreign Regulation may include, without limitation, the European Union Market Abuse Regulation (Regulation (EU) No 596/2014 of the European Parliament and of the Council of 16 April 2014). Purchaser acknowledges and agrees that JPMS has no duty to determine whether any State or Foreign Regulation would impose restrictions or limitations on this Purchase Plan. Purchaser understands that this Purchase Plan in no way alters Purchaser's obligations and responsibilities, or the obligations and responsibilities of the Issuer, under State or Foreign Regulation. For the avoidance of doubt, references in this Purchase Plan to applicable laws, regulations and legal/regulatory restrictions shall be construed to include any applicable State and Foreign Regulation.

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**&nbsp;&nbsp;&nbsp;&nbsp;**![image_0.jpg](image_0.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser acknowledges and agrees that JPMS has not provided Purchaser with any tax, accounting or legal advice. Purchaser understands that Purchaser should seek the advice of counsel regarding this Purchase Plan and the various securities and tax law issues related thereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser agrees to notify JPMS immediately in the event of trading restrictions being imposed as the result of any applicable regulatory prohibition or lock up event restricting purchases by or on behalf of affiliates, such as a stock offering or tender offer or (b) circumstances that would cause the purchases contemplated by this Purchase Plan not to qualify as "Rule 10b-18 purchases" as defined in Rule 10b-18(a)(13).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser represents and warrants that (a) Purchaser is able to purchase shares of Stock, as contemplated by this Purchase Plan, in accordance with the Issuer's insider trading policies, and (b) Purchaser has, without contravening the representations and warranties in Paragraph B.2, obtained the acknowledgement of the Issuer to enter into this Purchase Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.&nbsp;&nbsp;&nbsp;&nbsp;To the extent this Purchase Plan constitutes a contract, instruction or plan described in Rule 10b5-1(c)(1)(ii)(E) (a "Single-Trade Plan"), Purchaser represents and warrants that it has not entered into, and will not enter into, another Single-Trade Plan within 12 months before or after the Adoption Date of this Purchase Plan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***C. INDEMNIFICATION AND LIMITATION ON LIABILITY***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser agrees to indemnify and hold harmless JPMS and its directors, officers, employees and affiliates from and against all claims, losses, damages and liabilities (including without limitation, any legal or other expenses reasonably incurred in connection with defending or investigating any such action or claim) arising out of or attributable to JPMS's actions taken or not taken in compliance with this Purchase Plan or arising out of or attributable to any breach by Purchaser of this Purchase Plan (including Purchaser's representations and warranties hereunder) or any violation by Purchaser of applicable laws or regulations. This indemnification shall survive termination of this Purchase Plan. Notwithstanding the foregoing, Purchaser shall have no indemnification obligation to the extent any claims, losses, damages or liabilities are due to the gross negligence, recklessness or willful misconduct of JPMS or any other indemnified person.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any other provision hereof, JPMS shall not be liable to Purchaser for: (a) special, indirect, punitive, exemplary or consequential damages, or incidental losses or damages of any kind, even if advised of the possibility of such losses or damages or if such losses or damages could have been reasonably foreseen; or (b) any

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**&nbsp;&nbsp;&nbsp;&nbsp;**![image_0.jpg](image_0.jpg)

failure to perform or to cease performance or any delay in performance that results from a cause or circumstance that is beyond its reasonable control, including but not limited to failure of electronic or mechanical equipment, strikes, failure of common carrier or utility systems, severe weather, market disruptions or other causes commonly known as "acts of God".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***D. SUSPENSION, TERMINATION AND AMENDMENT***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;This Purchase Plan may be (a) suspended or terminated by Issuer at any time upon one Trading Day prior written notice or (b) terminated by Purchaser at any time upon one Trading Day prior written notice; provided however that JPMS may in its sole discretion decide to suspend or terminate on the same Trading Day that written notice is provided, if JPMS deems such action practicable. Any such suspension or termination shall be made in good faith and not as a part of a plan or scheme to evade the prohibitions of Rule 10b5-1 or other applicable securities laws. JPMS will require certain representations from Purchaser and acknowledgement of Issuer as a condition to such suspension or termination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.This Purchase Plan shall be suspended, or at JPMS's option, terminated, if JPMS receives notice, whether pursuant to Paragraph B.7 or otherwise, of (a) the occurrence of any legal, contractual or regulatory restriction applicable to Purchaser or its affiliates, including without limitation, any restriction related to a merger or acquisition, or (b) a stock offering requiring an affiliate lock-up, that would prohibit purchases pursuant to this Purchase Plan, or (c) if the Stock has been delisted from the Exchange, or becomes subject to the delisting procedure from the Exchange.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser may amend or modify the economic trading parameters of this Purchase Plan (such as the number, size, price and timing of orders) only upon the written consent of JPMS. Any such amendment or modification shall be made in good faith and not as a part of a plan or scheme to evade the prohibitions of Rule 10b5-1 or other applicable securities laws. Purchaser agrees that it will not amend or modify this Purchase Plan at any time: (a) that a Blackout Period is in effect for Issuer or (b) that it or any person controlling Purchaser (as such term is defined in Rule 405 under the Securities Act) is aware of any material non-public information about the Issuer and/or the Stock or of the actual or approximate beginning or ending dates of a Blackout Period for Issuer. JPMS will require certain representations from Purchaser and acknowledgement of Issuer as a condition to such amendment or modification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***E. GENERAL***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;This Purchase Plan shall be governed by and construed in accordance with the laws of the State of New York without reference to choice of law principles. Except for modifications or amendments governed by Paragraph D.3, this Purchase Plan may be

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modified or amended only by a writing signed by the parties hereto and acknowledged by the Issuer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;This Purchase Plan shall be subject to all terms and conditions governing the Purchaser's Account, including the General Terms for Accounts and Services, the Asset Account Agreement and the JPMS Brokerage Agreement, including such provisions dealing with binding arbitration and waiving the right to litigate. This Purchase Plan, together with the terms and conditions referenced in the preceding sentence, as well as any amendments or modifications made pursuant to this Purchase Plan and those terms and conditions, represent the complete agreement between the parties on these subjects.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;For the avoidance of doubt, to the extent this Purchase Plan requires Purchaser or any Purchaser Related Person to comply with the internal policies or procedures of the Issuer, Purchaser acknowledges and agrees that JPMS may rely solely on Purchaser's execution of this Purchase Plan and has no duty to inquire independently as to Purchaser's or any Purchaser Related Person's compliance with such Issuer policies or procedures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.&nbsp;&nbsp;&nbsp;&nbsp;All notices to JPMS under this Purchase Plan shall be given to JPMS by email: .

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;Purchaser's rights and obligations under this Purchase Plan may not be assigned or delegated without the written permission of JPMS.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;This Purchase Plan shall not be effective until executed by Purchaser and JPMS and acknowledged by Issuer. This Purchase Plan may be signed in any number of counterparts, each of which shall be an original, with the same effect as if the signatures thereto were upon the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

[Signature page follows.]

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**Signature(s):&nbsp;&nbsp;&nbsp;&nbsp;**

&nbsp;&nbsp;&nbsp;&nbsp;

By: \sign1\ Date: \date1\ <br> <u>Name:</u> <u><br></u>

**J.P. Morgan Securities LLC Signature:**

---

| | |
|:---|:---|
| By: \sign3\ | Date: \date3\ |
| Name:  |  |
| Title:  |  |

---

Acknowledged by the Issuer:

**Acknowledged:**

---

| | |
|:---|:---|
| By: \sign2\ | Date: \date2\ |
| Name:  |  |
| Title:  |  |

---

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**&nbsp;&nbsp;&nbsp;&nbsp;**![image_0.jpg](image_0.jpg)

**<u>Schedule A</u>**

**Issuer:** 

**Ticker:** 

**Purchaser:** 

**Purchaser's Affiliation Status (check all that apply):**

**&nbsp;&nbsp;&nbsp;&nbsp;<u>_______</u>___Affiliate under Rule 144**

**&nbsp;&nbsp;&nbsp;&nbsp;<u>______</u>___Insider under Section 16 of the Exchange Act**<sup>1</sup>**;**

**&nbsp;&nbsp;&nbsp;&nbsp;<u>_______</u>___Officer**

**&nbsp;&nbsp;&nbsp;&nbsp; ____ _____Director**

**&nbsp;&nbsp;&nbsp;&nbsp;<u>______</u>___Large Shareholder (i.e. 10%+)**

**&nbsp;&nbsp;&nbsp;&nbsp;<u>_______</u>_____Not an affiliate under Rule 144, but subject to Issuer's trading windows**

**&nbsp;&nbsp;&nbsp;&nbsp;_________**

 **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>_&nbsp;&nbsp;&nbsp;&nbsp;</u> Other**

**Purchase End Date:** 

**<u>Distribution List:</u>**

On the first Trading Day of the Trading Period\* as defined in the table below, JPMS will place Order(s) to purchase shares of ____________ in the amounts and with the limit prices also shown in the table below. Purchases executed at a price lower than the Limit Price for multiple open Orders on a given Trading Day shall first be allocated to the open Order with the lowest Order #, and then to the open order with the next-lowest Order #, and so on. The Orders will be good through the last Trading Day of the defined Trading Period.

<sup>1</sup> This check box applies even if Issuer is a "foreign private issuer" exempt from the substantive requirements of section 16 of the Exchange Act.

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| <br>**Trading Period #** | <br>**Order #** | **Trading Period\*** | **Trading Period\*** |  |  |
| <br>**Trading Period #** | <br>**Order #** | **Start Date** | **End Date** | **# of Shares to Purchase<br>each Trading Period** | **Limit<br>Price** |
|  |  |  |  | **Total Plan Shares =** |  |

---

JPMS shall effect the purchase of shares of __________________ (up to a maximum of Total Plan Shares) as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In no case shall purchases under this Purchase Plan on a single day exceed **10%** of the maximum daily volume permitted for such day under Rule 10b-18(b)(4).

**There will be no "block purchases" (as the term is used in Rule 10b-18) of Stock permitted under this Purchase Plan.**

**\*<u>The actual first Trading Day of the Trading Period #1 (and thus the actual Purchase Commencement Date) shall be the latest of (but no later than the 121st day following the adopted date):</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i.**<u>the date indicated above as the start of the Trading Period</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii.**<u>the 91st day following the date on which the adopted date indicated in the first paragraph of this Purchase Plan falls; and</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii.**<u>the third Trading Day following the disclosure of the Issuer's financial results on Form 10-Q or Form 10-K for the completed fiscal quarter in which the adopted date indicated in the first paragraph of this Purchase Plan falls.</u>**

**<u>JPMS's obligation to place these orders is conditioned upon JPMS receiving confirmation from Issuer of the exact date as determined pursuant to the formula above. JPMS shall handle orders for such Trading Period on the best-efforts basis described in Paragraph A.2 of this plan, which in some cases may mean handling such orders the business day following receipt of Issuer confirmation.</u>** 

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13D

### Under the Securities Exchange Act of 1934

**(Amendment No. 2)**

**Better Home & Finance Holding Company**

*(Name of Issuer)*

**Class A common stock, par value $0.0001 per share**

*(Title of Class of Securities)*

**08774B508**

*(CUSIP Number)*

**Vishal Garg**<br>1 World Trade Center, 285 Fulton Street<br>80th Floor, Suite A<br>New York NY 10007<br>415-523-8837

*(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)*

**12/22/2025**

*(Date of Event Which Requires Filing of this Statement)*

| **CUSIP No.** | **08774B508** |

---

| | | | |
|:--|:--|:--|:--|
| 1 | Name of reporting person<br>**Vishal Garg** | Name of reporting person<br>**Vishal Garg** | |
| 2 | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | |
| 3 | SEC use only | SEC use only | |
| 4 | Source of funds (See Instructions)<br>**OO** | Source of funds (See Instructions)<br>**OO** | |
| 5 | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | |
| 6 | Citizenship or place of organization<br>**—** | Citizenship or place of organization<br>**—** | |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 7 | Sole Voting Power<br>**1927619.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 8 | Shared Voting Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 9 | Sole Dispositive Power<br>**1927619.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 10 | Shared Dispositive Power<br>**0.00** |
| 11 | Aggregate amount beneficially owned by each reporting person<br>**1927619.00** | Aggregate amount beneficially owned by each reporting person<br>**1927619.00** | |
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | |
| 13 | Percent of class represented by amount in Row (11)<br>**16.0%** | Percent of class represented by amount in Row (11)<br>**16.0%** | |
| 14 | Type of Reporting Person (See Instructions)<br>**IN** | Type of Reporting Person (See Instructions)<br>**IN** | |

---

**Comment for Reporting Person:** Note to Row 7, 9 and 11: Includes (1) (a) 11,321 shares of Class A Common Stock and (b) 6,334 shares of Class A Common Stock underlying the same number of restricted stocks units ("RSUs") that will vest within 60 days, directly held by Mr. Garg; (2) (a) 927,855 shares of Class A Common Stock that may be obtained upon the conversion of 927,855 shares of Class B Common Stock, and (b) 387,137 currently exercisable options to purchase shares of Class B Common Stock  directly held by Mr. Garg. Class B Common Stock, which is not registered under the Exchange Act, is convertible into Class A Common Stock on a share-for-share basis; (3) 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein; and (4) 465,517 shares of Class A Common Stock that may be obtained upon the conversion of 465,517 shares of Class B Common Stock held by The 718 4Ever Trust I. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg's immediate family are the sole beneficiaries of the trust. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by the trust for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein.

Note to Row 13: Calculated based upon 10,125,100 shares of Class A Common Stock, outstanding as of December 10, 2025.

| **CUSIP No.** | **08774B508** |

---

| | | | |
|:--|:--|:--|:--|
| 1 | Name of reporting person<br>**1/0 Real Estate, LLC** | Name of reporting person<br>**1/0 Real Estate, LLC** | |
| 2 | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | |
| 3 | SEC use only | SEC use only | |
| 4 | Source of funds (See Instructions)<br>**OO** | Source of funds (See Instructions)<br>**OO** | |
| 5 | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | |
| 6 | Citizenship or place of organization<br>**—** | Citizenship or place of organization<br>**—** | |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 7 | Sole Voting Power<br>**130455.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 8 | Shared Voting Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 9 | Sole Dispositive Power<br>**130455.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 10 | Shared Dispositive Power<br>**0.00** |
| 11 | Aggregate amount beneficially owned by each reporting person<br>**130455.00** | Aggregate amount beneficially owned by each reporting person<br>**130455.00** | |
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | |
| 13 | Percent of class represented by amount in Row (11)<br>**1.3%** | Percent of class represented by amount in Row (11)<br>**1.3%** | |
| 14 | Type of Reporting Person (See Instructions)<br>**OO** | Type of Reporting Person (See Instructions)<br>**OO** | |

---

**Comment for Reporting Person:** Note to Row 7, 9 and 11: Includes 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein.

Note to Row 13: Calculated based upon 10,125,100 shares of Class A Common Stock, outstanding as of December 10, 2025

| **CUSIP No.** | **08774B508** |

---

| | | | |
|:--|:--|:--|:--|
| 1 | Name of reporting person<br>**1/0 Real Estate, LLC** | Name of reporting person<br>**1/0 Real Estate, LLC** | |
| 2 | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | |
| 3 | SEC use only | SEC use only | |
| 4 | Source of funds (See Instructions)<br>**OO** | Source of funds (See Instructions)<br>**OO** | |
| 5 | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | |
| 6 | Citizenship or place of organization<br>**—** | Citizenship or place of organization<br>**—** | |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 7 | Sole Voting Power<br>**130455.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 8 | Shared Voting Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 9 | Sole Dispositive Power<br>**130455.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 10 | Shared Dispositive Power<br>**0.00** |
| 11 | Aggregate amount beneficially owned by each reporting person<br>**130455.00** | Aggregate amount beneficially owned by each reporting person<br>**130455.00** | |
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | |
| 13 | Percent of class represented by amount in Row (11)<br>**1.3%** | Percent of class represented by amount in Row (11)<br>**1.3%** | |
| 14 | Type of Reporting Person (See Instructions)<br>**OO** | Type of Reporting Person (See Instructions)<br>**OO** | |

---

**Comment for Reporting Person:** Note to Row 7, 9 and 11: Includes 130,455 shares of Class A Common Stock that may be obtained upon the conversion of 130,455 shares of Class B Common Stock held by 1/0 Real Estate, LLC, which is wholly-owned by 1/0 Holdco, LLC. Mr. Garg is the controlling member of 1/0 Holdco, LLC. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC, for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein.

Note to Row 13: Calculated based upon 10,125,100 shares of Class A Common Stock, outstanding as of December 10, 2025

| **CUSIP No.** | **08774B508** |

---

| | | | |
|:--|:--|:--|:--|
| 1 | Name of reporting person<br>**The 718 4Ever Trust I** | Name of reporting person<br>**The 718 4Ever Trust I** | |
| 2 | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | |
| 3 | SEC use only | SEC use only | |
| 4 | Source of funds (See Instructions)<br>**OO** | Source of funds (See Instructions)<br>**OO** | |
| 5 | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | |
| 6 | Citizenship or place of organization<br>**—** | Citizenship or place of organization<br>**—** | |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 7 | Sole Voting Power<br>**465517.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 8 | Shared Voting Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 9 | Sole Dispositive Power<br>**465517.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 10 | Shared Dispositive Power<br>**0.00** |
| 11 | Aggregate amount beneficially owned by each reporting person<br>**465517.00** | Aggregate amount beneficially owned by each reporting person<br>**465517.00** | |
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | |
| 13 | Percent of class represented by amount in Row (11)<br>**4.4%** | Percent of class represented by amount in Row (11)<br>**4.4%** | |
| 14 | Type of Reporting Person (See Instructions)<br>**OO** | Type of Reporting Person (See Instructions)<br>**OO** | |

---

**Comment for Reporting Person:** Note to Row 7, 9 and 11: Includes 465,517 shares of Class A Common Stock that may be obtained upon the conversion of 465,517 shares of Class B Common Stock held by The 718 4Ever Trust I. Mr. Garg is the investment adviser of the trust, and members of Mr. Garg's immediate family are the sole beneficiaries of the trust. Therefore, Mr. Garg may be deemed to have voting power and dispositive power over the shares held by the trust for which Mr. Garg disclaims beneficial ownership except to the extent of his pecuniary interest therein.

Note to Row 13: Calculated based upon 10,125,100 shares of Class A Common Stock, outstanding as of December 10, 2025

**Item 1. Security and Issuer**

**(a) Title of Class of Securities:**
Class A common stock, par value $0.0001 per share

**(b) Name of Issuer:**
Better Home & Finance Holding Company

**(c) Address of Issuer's Principal Executive Offices:**
1 World Trade Center, 285 Fulton Street, 80th Floor, Suite A, New York, NY, 10007

This Amendment No. 2 ("Amendment No. 2") amends and supplements the Schedule 13D filed on September 7, 2021 (the "Original Schedule 13D", together with Amendment No. 1 and Amendment No. 2, the "Schedule 13D") relating to shares of Class A common stock, par value $0.0001 per share (the "Class A Common Stock"), of Better Home & Finance Holding Company, a Delaware corporation (the "Issuer"). On August 16, 2024, the Issuer effected a 1-for-50 reverse stock split (the "Reverse Stock Split") of its Common Stock resulting in every 50 shares of Common Stock being converted into one share of Common Stock. The share counts and percentages herein have been adjusted to reflect the Reverse Stock Split. All capitalized terms contained herein but not otherwise defined shall have the meanings ascribed to such terms in the Original Schedule 13D.

**Item 4. Purpose of Transaction**

Item 4 of the Schedule 13D is hereby amended and supplemented by adding the following at the end of Item 4:
10b5-1 Trading Plan
On December 22, 2025, Vishal Garg entered into a trading plan (the "Garg 2025 Trading Plan") intended to satisfy the affirmative defense condition of Rule 10b5-1 under the Securities Exchange Act of 1934, as amended. Pursuant to the Garg 2025 Trading Plan, a broker dealer may make periodic purchases of up to an aggregate of $5.45 million of shares of Class A Common Stock on behalf of Mr. Garg.
This description of the Garg 2025 Trading Plan does not purport to be complete and is qualified in its entirety by the text of the Garg 2025 Trading Plan, the form of which is attached as an exhibit to this Schedule 13D and incorporated herein by reference.

**Item 5. Interest in Securities of the Issuer**

**(a)**
Each of Item 5(a) and 5(b) is hereby amended, restated and supplemented in its entirety with the following information:

Mr. Garg has beneficial ownership of (a) 11,321 shares of Class A Common Stock, (b) 6,334 shares of Class A Common Stock underlying an equivalent number of restricted stocks units ("RSUs") that will vest within 60 days, (c) 386,137 currently exercisable options to purchase shares of Class B Common Stock, and (d) 1,523,827 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 16.0% of outstanding Class A Common Stock, based on 10,125,100 shares of Class A Common Stock outstanding as of December 10, 2025.
1/0 Real Estate, LLC has beneficial ownership of 130,455 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 1.3% of the outstanding Class A Common Stock as of December 10, 2025.
1/0 Real Estate, LLC is wholly-owned by 1/0 Holdco, LLC. As a result, 1/0 Holdco, LLC has beneficial ownership of the Class A Common Stock described in the immediately preceding paragraph. Mr. Garg is the controlling member of 1/0 Holdco, LLC.
The 718 4Ever Trust I has beneficial ownership of 465,517 shares of Class B Common Stock, which may be converted into the same number of shares of Class A Common Stock, representing beneficial ownership of 4.4% of outstanding Class A Common Stock. The percentage of the Class A Common Stock and the aggregate outstanding Common Stock is based upon the share information described in the first paragraph under Item 5.
Mr. Garg has the sole power to dispose or direct the disposition of all shares of Class A Common Stock and Class B Common Stock, beneficially owned as of December 10, 2025.

**(b)**
The information set forth in Item 5 (a) is hereby incorporated by reference to this Item 5(b), as applicable.

**(c)**
On November 1, 2025, Mr. Garg received 3,166 shares of Class A Common Stock underlying RSUs that vested on November 1, 2025, and the Issuer withheld 1,751 shares to pay for tax withholding obligations. On December 1, 2025, Mr. Garg received 3,167 shares of Class A Common Stock underlying RSUs that vested on December 1, 2025, and the Issuer withheld 1,752 shares to pay for tax withholding obligations.

Other than as described above or otherwise in this Amendment No. 2, there were no other transactions effected in Common Stock during the past 60 days by Mr. Garg.

**Item 6. Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer.**

Item 6 of the Schedule 13D is hereby amended and supplemented as follows:

Garg 2025 Trading Plan
Item 4 above summarizes certain provisions of the Garg 2025 Trading Plan and is incorporated herein by reference. The Form of the Garg 2025 Trading Plan is attached as Exhibit 17 and is incorporated herein by reference.
Except as set forth herein, the Reporting Persons do not have any contracts, arrangements, understandings or relationships (legal or otherwise) with any person with respect to any securities of the Issuer, including, but not limited to, any contracts, arrangements, understandings or relationships concerning the transfer or voting of such securities, finder's fees, joint ventures, loan or option arrangements, puts or calls, guarantees of profits, division of profits or losses, or the giving or withholding of proxies.

### SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Reporting Person:** Vishal Garg

**Signature:** /s/ Vishal Garg

**Name/Title:** Vishal Garg

**Date:** 12/29/2025

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Reporting Person:** 1/0 Real Estate, LLC

**Signature:** /s/ Vishal Garg

**Name/Title:** Vishal Garg/Authorized Signatory

**Date:** 12/29/2025

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Reporting Person:** 1/0 Real Estate, LLC

**Signature:** /s/ Vishal Garg

**Name/Title:** Vishal Garg/Authorized Signatory

**Date:** 12/29/2025

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Reporting Person:** The 718 4Ever Trust I

**Signature:** /s/ Vishal Garg

**Name/Title:** Vishal Garg/Authorized Signatory

**Date:** 12/29/2025