Document:

EX-10.1

 Exhibit 10.1 

EXECUTION COPY 
 ANDRE FERNANDEZ 

SEPARATION AGREEMENT 

This Separation Agreement (“Agreement”), dated as of July 8, 2020, is made and entered into by you, Andre
Fernandez on behalf of yourself, your heirs, spouse, executors, administrators, successors and assigns (collectively referred to as “you”) and NCR Corporation, on behalf of itself, its divisions, subsidiaries, parents, affiliates, related
companies, predecessors, successors, assigns, and their respective officers, directors, employees, insurers, stockholders, and agents (collectively referred to as “NCR” or the “Company”). 

In consideration of the mutual covenants in this Agreement, including your continued employment by the Company and your
corresponding services to the Company, and the Separation Pay specified below, the parties hereby agree as follows. Under law, you may consider the terms of this Agreement for a period of 21 calendar days following its provision to you on
approximately July 8, 2020; if you do not indicate your acceptance of its terms by 5:00 p.m. Eastern Standard Time on the 21st day by signing it and returning it to Debra Bronder, at [***], NCR’s offer to enter this Agreement shall
immediately terminate and cease to be of effect, without further notice or action on NCR’s part, and the Agreement shall then be incapable of being accepted. If you accept the terms of the Agreement, under law you have 7 days to revoke your
acceptance, as set forth below. 
  

	 	1.	 Employment Period. 

 

	 	a.	 You and NCR agree that you will continue to remain an employee of the Company from the date of this
Agreement through and including October 1, 2020 (the “Employment Period”), except that (i) NCR may extend the Employment Period by mutual agreement in writing between NCR and you, (ii) you may terminate your employment for
any reason on or before the end of the Employment Period, and (iii) NCR may terminate your employment at any time for “Cause” (as defined in Section II(d)(A) through (D) of the NCR Executive Severance Plan as in effect on the
date of this Agreement (the “NCR Executive Severance Plan”)) or if you materially breach the provisions of this Agreement, without the same being cured within ten (10) days after being given written notice thereof. Your last day of
employment pursuant to this Section 1(a) is referred to herein as your “Separation Date” and the Employment Period shall terminate as of the Separation Date. 

 

	 	b.	 If your employment terminates pursuant to Section 1(a)(ii), NCR shall have no further obligations to
you hereunder or otherwise in connection with or following such termination, other than the obligation to pay (A) the Separation Pay and benefits described in Section 3 below, (B) accrued base salary through the Separation Date at the
reduced rate provided herein, and (C) to the extent required by NCR policy, benefits plans and/or programs (collectively, “Programs”), any vested benefits payable pursuant to the terms of the Programs (“Vested Benefits”).

  

	 	c.	 If your employment terminates pursuant to Section 1(a)(iii), you will only be eligible to receive (A)
accrued base salary through the Separation Date at the reduced rate provided herein, and (B) to the extent required by NCR policy, benefit plans and/or programs (collectively, the “Programs”), any vested benefits payable pursuant to the
terms of the Programs (“Vested Benefits”). Without limitation, you will not receive the Separation Pay and benefits described in Section 3 below. All NCR unvested equity awards will be forfeited and deemed cancelled effective on your
termination date, and NCR shall have the remedies set forth in Section 8 hereof. 

	 	 
In addition, NCR shall retain all rights hereunder and under the Programs and applicable law to repayment of all amounts previously paid or due to be paid to you, and NCR shall have no further
obligations to you hereunder or otherwise in connection with or following such termination. Without limitation, you will not be deemed to have terminated employment due to retirement for purposes of the Programs. 

 

	 	d.	 In its sole discretion, NCR may elect to place you on “garden leave” at any time during the
Employment Period, in which case you shall not be required to provide any additional services while such garden leave remains in effect during the Employment Period, and you will not be expected to come to NCR’s premises or functions absent a
specific request during such time. During the Employment Period, except at the request of the Chief Executive Officer, you will not act or communicate on behalf of or bind NCR, whether externally or internally. 

 

	 	e.	 During the Employment Period (i) you shall assist with the transition of your prior duties to
designated leader(s) as directed by NCR, (ii) as of July 13, 2020 you shall have the title of Senior Advisor and you shall no longer serve as Executive Vice President or Chief Financial Officer, (iii) you shall perform such other
services and duties relative to such projects as NCR shall reasonably determine, (iv) except as otherwise provided in this Agreement, you shall devote substantially all of your attention and time during normal business hours to the Company, and
(v) you shall not provide services, directly or indirectly, in any capacity (including, without limitation, as an employee, consultant, contractor, owner, or member of a board of directors) to any person, firm, association, partnership,
corporation, or entity other than the Company, absent permission from NCR’s Chief Executive Officer, other than as a member of the board of directors of an entity that is not a Competing Organization. 

 

	 	f.	 During the Employment Period (i) the Company shall continue to pay you your reduced base salary at the
rate of $312,500 per annum, subject to applicable tax and other payroll deductions and withholdings, and (ii) except as otherwise provided herein you shall be eligible to participate in the Programs to the extent provided under the Program
terms, except that (A) unless otherwise determined by the NCR Board of Directors or appropriate Committee thereof, effective July 13, 2020 you will no longer participate in the Amended and Restated NCR Change in Control Severance Plan, the
executive financial planning program and the executive medical examination program, and (B) you will participate in the NCR Executive Severance Plan only to the extent expressly provided herein, and you will receive no rights, monies or values
under these plans other than what is expressly provided herein. 

  

	 	g.	 You agree that, except as specifically provided in Section 3 hereof with respect to the terms of the
NCR Executive Severance Plan, you shall not be entitled to (i) any severance payments or other severance benefits under any NCR Program, agreement or arrangement, (ii) any cash bonuses or other short-term incentive compensation,
(iii) any new equity awards or other new long-term incentive awards, (iv) any increased or additional benefits or payments under any NCR Program, agreement or arrangement as a consequence of a “change in control” of NCR (as
defined in any of the foregoing) occurring during or after the Employment Period, or (v) any amount with respect to accrued vacation time unused by you. 

2.            Separation Date and Last Day Worked. Your
employment with the Company shall automatically terminate at the earliest of (i) the Separation Date, (ii) the date that is one business day prior to your commencement of services, directly or indirectly, in any capacity (including,
without limitation, as an employee, consultant, contractor, owner, or member of a board of directors, but not including a board of directors of an entity that is not a Competing Organization) to any person, firm, association, partnership,
corporation, or entity other than the Company, which commencement shall constitute a termination under Section 1(a)(ii) effective as of such date. Except as otherwise provided herein, your departure will not constitute a termination due to
retirement for purposes of the Programs. 

3.            Separation Pay. In exchange for your promises
as set forth in this Agreement, and your executing (and not revoking) this Agreement and the release contained in it, and subject to your compliance with the restrictive covenants, such as non-competition, non-recruiting, non-solicitation and confidentiality (as applicable), set forth below, NCR agrees to pay you in the event of your termination for any reason other than
described in Section 1(a)(iii) above: 
  

	 	a.	 NCR agrees to pay you a sum in the gross amount of $2,449,375.00 (before applicable tax and other payroll
deductions and withholdings) (“Separation Pay”) consisting of (I) a payment of $937,500.00, which pursuant to the NCR Executive Severance Plan is equal to 1.5 times one year’s base salary plus your 2020 target bonus of
$1,171,875.00 and (II) additional severance in the amount of $340,000.00 (In the event of any conflict, ambiguity or dispute, the numerical amount of the Separation Pay set forth in this Section shall control over any particular length of time
or other measure). Provided that you satisfy all requirements of Section 3 hereof, your Separation Pay will be paid to you via lump sum within thirty days after your Separation Date; 

 

	 	b.	 Except as otherwise specified in Exhibit A, you are further entitled to “prorated vesting”
(as such provision is defined in each corresponding Long Term Incentive Equity Award Agreement (each an “Award Agreement”)) as of the termination of the Employment Period in any unvested and outstanding Long Term Incentive Equity Awards to
the extent required by the applicable Award Agreement, and for this purpose any resignation by you under Section 1(a)(ii) hereof will have the same treatment under the Award Agreements as an involuntary termination of your employment by NCR
other than for “Cause.” 

  

	 	c.	 You are also entitled to certain COBRA benefits and outplacement services specified under the NCR Executive
Severance Plan and NCR agrees to pay COBRA premiums for up to eighteen (18) months after the end of the Employment Period or such shorter time provided under the NCR Executive Severance Plan. You are also entitled to senior executive level
outplacement services for a period of one year after the end of the Employment Period. Should you wish to use outplacement services, you must contact Karen Hamilton at [***] and initiate such services within one hundred twenty days of your
Separation Date (and in no event later than December 30, 2020). 

  

	 	d.	 NCR agrees to provide reimbursement for up to a maximum of $35,000 of your expenses for relocation including
costs for early termination (or continued payment) of your residential lease in Atlanta and coordination and shipment of household goods to your primary residence in Connecticut. Relocation benefits will be coordinated through Global Mobility and
its designated relocation service providers or such other relocation provider agreed by the parties. All benefits provided to you or on your behalf will be reported as income on your Form W2 as appropriate under IRS rules and grossed up for all
relevant income taxes. All payments under this paragraph shall be made no later than March 15, 2021. 

4.            Equity Awards. Except as otherwise provided
in Section 3, Exhibit A, this Section 4 or in any other provision of this Agreement, vesting and payout of your exiting equity awards, whether time-based, performance-based, or performance vesting, and any other equity awards (if any),
will continue to be governed by the terms of the Award Agreement and the NCR Stock Incentive Plan under which each grant was made. Payouts of performance-based equity awards are subject to and conditioned upon the Compensation and Human Resource
Committee’s certification that all applicable performance goals have been satisfied. 

 
Upon request the Human Resources Department will make available to you a non-binding estimate of equity values under your Award Agreements, using an
arbitrarily selected stock price. Notwithstanding the foregoing (A) if at any time prior to October 1, 2020 you resign from your NCR employment, or if your NCR employment is terminated by NCR before that date other than pursuant to
Section 1(a)(iii) hereof, you are entitled to “prorated vesting” (as such provision is defined in each corresponding Award Agreement) as of the termination of the Employment Period to the extent required by the applicable Award
Agreement, and for this purpose any resignation by you under Section 1(a)(ii) hereof will have the same treatment under the Award Agreements as an involuntary termination of your employment by NCR other than for “Cause,” and that
otherwise any vesting, if any, will occur only to the extent provided under the terms of the various Award Agreements and the applicable Stock Plan; you understand that in such instance you will receive less value than would be the case if you
remain employed through such date, and (B) if your employment terminates pursuant to Section 1(a)(iii) hereof, all of your outstanding and unvested equity awards will be forfeited and deemed cancelled on your Separation Date. 

5.            Cancellation of Payments and Benefits. If
(a) you materially violate any of the terms of this Agreement, or (b) NCR terminates your employment for “Cause” as defined in Section II(d)(A)-(D) of the NCR Executive Severance Plan, without the same being cured within ten
(10) days after being given written notice thereof, then in each case, in addition to all other remedies NCR may have at law or in equity, you agree to promptly upon notice reimburse NCR the Separation Pay in the full amount in which it has
been paid, including the amount of any taxes or other items withheld with respect to any of the foregoing amounts to the extent NCR cannot otherwise recover such amounts. You acknowledge that a violation or termination specified in this
Section 5 shall cause you to forfeit any unpaid Separation Pay, equity awards and other benefits under this Agreement. NCR’s remedies for a violation or termination specified in this Section 5 shall also include but shall not be
limited to (i) all remedies set forth in Section 8 hereof, (ii) all remedies set forth in the Award Agreements and the Programs, and (iii) all other remedies available at law or equity. The Company represents and warrants that as
of the date of this Agreement, it is not aware of any facts, events, or allegations that, if true and accurate, could constitute “Cause.” 
  

	 	6.	 Releases. 

 

	 	a.	 In exchange for the consideration provided to you in this Agreement, you hereby waive and release and
forever discharge NCR and its respective past and present directors, managers, officers, shareholders, partners, agents, employees, attorneys, servants, parent corporations, subsidiaries, divisions, limited partnerships, affiliated corporations,
joint ventures, acquired corporations, predecessors, successors and assigns, and each of them, separately and collectively (“Releasees”), from any and all existing claims, charges, complaints, liens, demands, causes of action, obligations,
damages and liabilities, known or unknown, suspected or unsuspected, whether or not mature or ripe, that you ever had and/or now have against any Releasees including, but not limited to, claims and causes of action arising out of or in any way
related to your employment with or separation from NCR, to any services performed for NCR, to any status, term or condition in such employment, to any compensation allegedly due you from NCR, or to any physical or mental harm or distress from such
employment or non- employment, all to the extent allowed by applicable law. This includes, but is not limited to, claims based on express or implied contract or corporate policies, covenants of good faith and
fair dealing, wrongful discharge, claims under any federal, state, and local laws, regulations and ordinances, including but not limited to Title VII of the Civil Rights Act of 1964, the Civil Rights Act of 1991, the Americans with Disabilities Act,
the Age Discrimination in Employment Act, the Employee Retirement Income Security Act (“ERISA”), the Sarbanes- Oxley Act of 2002, and the Dodd-Frank Wall Street Reform and Consumer Protection Act, including all amendments to the foregoing
statutes, claims for violation of public policy, damages in tort, or claims under the common law; and claims for any other compensation or damages or attorneys’ fees. 

	 	 
Except as expressly set forth herein, you understand that this Agreement includes a release of all known and unknown claims to the date of this Agreement and is specifically intended to be as
broad as allowed by law. 

  

	 	b.	 Nothing in this Agreement will prohibit you from filing a charge of discrimination with the Equal Employment
Opportunity Commission (“EEOC”) or an equivalent state or local civil rights agency, from filing complaints or claims with other governmental agencies such as but not limited to the Securities and Exchange Commission (“SEC”), the
National Labor Relations Board (“NLRB”) or Department of Justice (“DOJ”), from participating in a proceeding before any appropriate federal, state or local governmental agency, or from cooperating with any such agency in its
investigation, but you agree and understand that you are waiving, and hereby do waive, any right to monetary compensation and any other relief if any such agency elects to pursue any such claim, whether on your behalf or otherwise. Further, nothing
in this Agreement shall be construed to waive any right that is not subject to waiver by private agreement under federal, state or local employment or other laws. 

 

	 	c.	 In addition, nothing in this agreement shall be construed to waive any right or claim: (i) to
indemnification under applicable corporate law, the by-laws or certificate of incorporation of the Company, any agreement between you and the Company or any Affiliate or any Company benefit plan, (ii) to
any applicable directors and officers insurance coverage in accordance with the terms thereof, or (iii) to enforce this Agreement, including the payments and benefits in Sections 1, 3 and 4. 

 

	 	d.	 The Company represents and warrants that as of the date of this Agreement, it is not aware of any claims,
charges, violations, liabilities, or causes of action of whatsoever kind, (“Company Claims”) that the Company may have against you except to the extent the Company has provided you with prior written notice of a Company Claim.

 7.        Covenant Not to Sue. You agree that you will
not commence, aid, or maintain any action or other legal proceeding based upon any claim arising out of or related to the matters released in this Agreement, except for the purpose of enforcing this Agreement. 

8.        Post-Employment Restrictive Covenants. During your employment with
NCR, you had access to and knowledge of NCR Confidential Information, including trade secrets, not known to, or readily ascertainable by, the public or competitors. You acknowledge that unauthorized use (including use for your own benefit or to the
benefit of others), transfer, or disclosure by you of NCR’s Confidential Information can place NCR at a competitive disadvantage and cause damage, financial and otherwise, to its business. You further acknowledge that, because of the knowledge
of and access to NCR’s Confidential Information that you have acquired, you will be in a position to compete unfairly with NCR following the termination of your employment. Therefore, for the purpose of protecting NCR’s business interests,
including the Confidential Information, and the goodwill and stable, trained workforce of NCR, and in exchange for the benefits and consideration provided to you under this Agreement, you agree that, for a twelve-month period after your Separation
Date (or if applicable law mandates a maximum time that is shorter than twelve months, then for a period of time equal to that shorter maximum period) (the “Restricted Period”), regardless of the reason for termination, you will not,
without the prior written consent of the Chief Executive Officer of NCR, which may be withheld or granted in that individual’s sole discretion: 

	 	(1)	 Non-Recruit - Directly or indirectly (including by assisting
third parties) recruit or solicit, or attempt to recruit or solicit any employee of NCR, induce or attempt to induce any employee of NCR to terminate his or her employment with NCR, or refer any such employee to anyone outside of NCR for the purpose
of that NCR’s employee’s seeking, obtaining, or entering into an employment relationship or into an agreement to provide services, provided, however, the foregoing shall not be violated by your serving solely as a reference for an employee
of the Company; 

  

	 	(2)	 Non-Solicitation - Directly or indirectly (including by
assisting third parties), solicit or attempt to solicit the business of any NCR customers or prospective customers with which you had Material Contact (as defined in below) during the last two years of your NCR employment for purposes of providing
products or services that are competitive with those provided by NCR; 

  

	 	(3)	 Non-Competition - Perform services, directly or indirectly,
in any capacity (including, without limitation, as an employee, consultant, contractor, owner or member of a board of directors): 

  

	 	(i)	 Of the type conducted, authorized, offered, or provided by you on behalf of NCR during the two years prior
to termination of your NCR employment; 

  

	 	(ii)	 In connection with NCR Competing Products/Services (as defined in below) that are similar to or serve
substantially the same functions as those with respect to which you worked during the two years prior to termination of your NCR employment or about which you obtained trade secret or other Confidential Information; 

 

	 	(iii)	 Within the geographic territories (including countries and regions, if applicable, or types, classes or
tiers of customers if no geographic territory was assigned to you) where or for which you performed, were assigned, or had responsibilities for such services during the two years preceding your termination; in view of your executive and global
responsibilities at NCR, your territory is deemed to be the world; and 

  

	 	(iv)	 On behalf of a Competing Organization (as defined below). 

 

	 	A.	 Definitions. 

  

	 	(1)	 “Material Contact” means the contact between you and each customer or prospective customer
(a) with which you dealt on behalf of NCR, (b) whose dealings with NCR were coordinated or supervised by you, (c) about whom you obtained confidential information in the ordinary course of business as a result of your association with
NCR, or (d) who receives products or services authorized by NCR, the sale or provision of which results, resulted or, with regard to prospective customers, would have resulted in compensation, commissions, or earnings for you within the two
years prior to the date of your termination. 

  

	 	(2)	 “Competing Products/Services” are any products, services, solutions, platforms, or activities that
compete, directly or indirectly, in whole or in part, with one or more of the products, services or activities produced, provided or engaged in by NCR (including, without limitation, products, services or activities in the planning or development
stage during your NCR employment) at the time of your separation from NCR and during the two years prior to termination of your NCR employment. 

	 	(3)	 A “Competing Organization” is any person, business or organization that sells, researches,
develops, manufactures, markets, consults with respect to, distributes and/or provides referrals with regard to one or more Competing Products/Services identified on the NCR “Competing Organization List” below. 

 

	 	(4)	 The NCR “Competing Organization List” included below identifies the companies that meet the
definition of Competing Organization for purposes of this Agreement and will supersede and replace any Competing Organizations List provided in your August 27, 2018 Letter Agreement with NCR and the Award Agreements and any other documents.
Upon reasonable request by you, NCR’s Chief Executive Officer may determine in his sole discretion that a particular organization may be deemed excluded from the below Competing Organization List for purposes of this Agreement. NCR’s
Competing Organization List for purposes of this Agreement is the following, including the subsidiaries and affiliates of each (but shall not include any such company or its subsidiaries for which you provide services solely as a result of an
acquisition, merger, business combination or similar event with respect to a Competing Organization by your then current employer): ACI Worldwide, Acuative, Agilysys, Altametrics, Appetize, Aptos, Diebold Nixdorf, Dimension Data/NTT, FIS, Fiserv
(includes First Data and Clover), Fujitsu, Getronics, Gilbarco Veeder-Root, GK Software, Global Payments, HP Inc., Infor, Jack Henry & Assoc., Tenemos AG, Korala Associates Ltd., Lavu Inc., LOC Software, Manhattan Associates, Hyosung TNS,
NSC Global, Office Depot (Compucom), Open Table, Oracle, PAR Technology, Flooid, Q2, Qu, Revel Systems, Square, Tillster, Toast, Inc., Toshiba TEC, Toshiba Global Commerce Solutions, Unisys, Upserve (Breadcrumb), Zebra Technologies Corp.

  

	 	B.	 Consideration. You acknowledge that you would not receive the benefits and consideration provided
under this Agreement but for your consent to abide by, among other things, the post- employment restrictive covenants provided in this Section 8 (the “Post-Employment Restrictive Covenants”), and your agreement to them is a material
component of the consideration for this Agreement. 

  

	 	C.	 Remedies. You agree that, if you materially breach any of the provisions of this Agreement, without
the same being cured within ten (10) days after being given written notice thereof: (i) NCR shall be entitled to all of its remedies at law or in equity, including money damages and injunctive relief; (ii) in the event of such material
breach prior to any vesting of Stock Units and options (as defined in the governing Award Agreement), in addition to NCR’s other remedies, all such unvested equity awards under NCR Stock Plans will be immediately forfeited and deemed canceled,
and you agree to pay immediately to NCR the fair market value of any such equity awards that vested during the 18 months prior to the date of your employment termination (or if applicable law mandates a maximum time that is shorter than 18 months,
then for a period of time equal to the shorter maximum period), without regard to whether you continue to own the shares associated with any such equity award; and (iii) NCR shall also be entitled to an accounting and repayment from you of all
profits, compensation, commissions, remuneration or benefits that you (and/or the applicable Competing Organization) directly or indirectly have realized or may realize as a result of or in connection with any such breach. 

	 	D.	 Subsequent Employment. You agree that, while employed by NCR and for one year thereafter, you will
communicate the contents of this Agreement to any person, firm, association, partnership, corporation or other entity which you intend to become employed by, contract for, associated with or represent, prior to accepting and engaging in such
employment, contract, association and/or representation. 

  

	 	E.	 Tolling. You agree that the Restricted Period shall be tolled and suspended during and for the
pendency of any violation of its terms and for the pendency of any legal proceedings to enforce the Post-Employment Restrictive Covenants and that all time that is part of or subject to such tolling and suspension shall not be counted toward the 12-month duration of the Restricted Period. 

  

	 	F.	 Severability. Each clause of this Section constitutes an entirely separate and independent
restriction and the duration, extent and application of each of the restrictions are no greater than is necessary for the protection of NCR’s interests. If any part or clause of this Section is held unenforceable, it shall be severed and shall
not affect any other part of this Section or this Agreement. 

9.          Acknowledgment of Certain Terms. You acknowledge and
agree that the time, territory and scope of the Post-Employment Restrictive Covenants in this Agreement are reasonable and necessary for the protection of NCR’s legitimate business interests and that they appropriately protect NCR’s
Confidential Information. You acknowledge that each clause constitutes an entirely separate and independent restriction and the duration, extent and application of each of the restrictions are no greater than is necessary for the protection of
NCR’s interests. You acknowledge that you have had a full and fair opportunity to be represented by counsel with respect to this Agreement and to consider these restrictions prior to your execution of it. Subject to the terms of this Agreement,
you further acknowledge and agree that NCR has properly paid you for all work performed up through and including the date of this Agreement, and that you have no other wages, salary, reimbursements, or other monetary claims as of the date of this
Agreement (and you acknowledge that pursuant to the terms of this Agreement that any such claims are waived). You acknowledge and agree that this Agreement does not constitute an admission by NCR of any liability or wrongdoing, and that NCR has no
improperly retaliated against you for otherwise protected activity, if any. 

10.        Confidential Information and Trade Secrets; Limitations. You warrant
and agree that (a) you have not used or disclosed any Confidential Information other than as necessary in the ordinary course of performing your duties as an NCR employee, and (b) you will keep in confidence and trust all Confidential
Information known to you, and will not use or disclose such Confidential Information without the prior written consent of NCR, which may be granted or withheld in NCR’s sole discretion, for any reason or no reason. You affirm your existing
obligation that you will not utilize (or assist others in utilizing) in any way the trade secrets of NCR that were either developed by you or learned by you during your employment by NCR, nor any trade secrets of NCR that others may have shared with
you. 
 a.            As used in this Agreement,
“Confidential Information” means information or material belonging to NCR (including, without limitation, trade secrets and information about the Company’s business, operations, customers, employees, and industry relationships), which
is of value to NCR and which is not publicly known. Examples of Confidential Information are, without limitation, personal or private information shared with you by NCR officers, executives or employees or as to which you have otherwise come into
possession, whether through your job duties or otherwise, including but not limited to financial information, reports, and forecasts; trade secrets, know-how and other intellectual property; software; market
or sales information or plans, including but not limited to pricing, proposals, and product introductions; customer lists and information; and business plans, prospects, opportunities, and possible acquisitions or dispositions of businesses or
facilities that have been discussed or considered by the management of NCR. 

 
Confidential Information includes information you developed during your employment with NCR and information to which you may have had access during your employment. Confidential Information also
includes the confidential information of others with whom NCR has a business relationship including customers and partners. Confidential Information does not include information in the public domain, unless such information entered the public domain
as a result of any action or omission by you or due to a breach of your obligations of this Agreement or your NCR duties by you or those acting at your direction or control. 

b.        Notwithstanding the foregoing
non-disclosure provisions, this Agreement does not prohibit you from reporting possible violations of the law to government agencies including without limitation the DOJ, SEC or EEOC, nor shall any provision
of this Agreement be interpreted or construed to prohibit you from filing claims or making disclosures protected under the so-called whistleblower provisions of applicable laws; you do not need the prior
authorization of anyone at NCR to make any such claims or disclosures and you are not required to notify the company that you have made such claims or disclosures. Nothing in this Agreement is intended to, or shall prevent, impede or interfere with
your providing testimony and information during an investigation or proceeding authorized or required by law and/or conducted by a governmental agency or entity possessed of jurisdiction. Further, nothing in this Agreement is intended to or shall
preclude you from providing testimony or information in response to a valid subpoena, court order or discovery request in any public proceeding, provided, to the extent permitted by law, you have provided to NCR as much notice as practicable of any
such compelled disclosure, to enable NCR to seek to limit, condition or quash such testimony or disclosure. 

11.        Non-Disparagement. You agree
to refrain, on a permanent basis, from taking actions or making statements, written or oral, that disparage or defame the business, goodwill, character or reputation of NCR (including its directors, officers, executives, shareholders, subsidiaries,
parent companies, and employees), and from taking actions or making statements that could adversely affect NCR’s relationships with its customers, vendors or other business partners. Notwithstanding the foregoing, nothing in this
Section 11 shall prevent you from making any truthful statement to the extent, but only to the extent (A) necessary with respect to any litigation, arbitration or mediation involving this Agreement, including, but not limited to, the
enforcement of this Agreement, in the forum in which such litigation, arbitration or mediation properly takes place, (B) required by law, legal process or by any court, arbitrator, mediator or administrative or legislative body (including any
committee thereof) with apparent jurisdiction over you, or (C) for the purpose of rebutting any statements made by the Company or its directors or executive officers. NCR agrees to instruct its directors and executive officers to refrain, on a
permanent basis, from taking actions or making statements, written or oral, that disparage or defame your business, goodwill, character or reputation, and from taking actions or making statements that could adversely affect your relationships with
your customers, vendors or other business partners. The obligations in this Section shall remain subject to, and not override, the provisions of Section 6(b) above. 

12.        Return of NCR Property. In the case of any termination of your
employment, by your Separation Date you agree to return to NCR (to the attention of either Debra Bronder or Karen Hamilton) all NCR property, equipment, documents, files and materials (other than documents pertaining to your personal benefits). You
acknowledge that full and complete return of such property, in undamaged condition, is a material and non-waivable condition that must be satisfied prior to your receiving any benefits under this Agreement,
including but not limited to your Separation Pay. NCR property includes but is not limited to, the following materials, if applicable, provided to you in the course of your employment with NCR or otherwise obtained by you: NCR computers, mobile
phones, hardware and software, portable media and storage devices, keys, NCR identification cards and badges, any computers and peripherals; any cellular/mobile phones, personal digital assistants, or other similar devices; other hardware and
software of any kind; portable media devices or storage devices; all manuals and documentation; any telephone calling cards; keys; NCR identification cards or badges; any credit cards; and all tangible written or graphic materials (and all copies)
generated or received by you in connection with, or relating in any way to NCR’s business, including documents, investigation reports, emails, manuals, computer files, computer backups, customer lists, marketing plans, sales outlooks and
projections, product evaluations, and reports of any kind, provided, however, you shall be permitted to retain, as your own property, copies of your individual tax records relating to your individual NCR compensation and your individual NCR employee
benefits and your individual personnel records (excluding in each case any such records maintained by the Company), and you shall be permitted to retain those portions of your personal address book that contain only your individual personal contact
information unrelated to NCR business or NCR business contacts. 

 
The foregoing (excluding the specific individual property you are permitted to retain as your personal property pursuant to the preceding sentence) includes all NCR data, email, information and
documents on your computers, your telephones, and on any portable media or storage devices, even if such devices are personally owned by you and not by NCR; in connection with the return of your computer, the hard drive must be returned intact and
unaltered, without the removal or erasure of any data or files. Any breach of these provisions shall entitle NCR to all its remedies at law and equity, including but not limited to reimbursement of the Separation Pay and damages. 

13.        Assistance. You agree that, subject to reimbursement by NCR of your
reasonable costs and expenses, including your time (other than for actual testimony, which shall not be compensated), you will cooperate fully with NCR and its internal and external counsel with respect to any matter (including but not limited to
litigation, investigations or administrative proceedings) that relates to issues or subjects with which you were or may have been involved during your employment with NCR or with respect to which you have unique knowledge, on a reasonable basis,
taking into account your then-current employment and personal responsibilities. You further agree to notify NCR’s General Counsel immediately upon your being asked to assist or supply information to any person or entity regarding any civil
claim or possible claim against NCR or any of its officers, directors, or employees, unless expressly prohibited by applicable law or by a law enforcement agency, and also to give such notice in the event you do in fact assist or supply information
to any such person or entity, unless expressly prohibited by applicable law or by a law enforcement agency. 

14.        Specific Disclosures Regarding Trade Secrets. Under the Federal
Defend Trade Secrets Act of 2016: (A) An individual shall not be held criminally or civilly liable under any Federal or State trade secret law for the disclosure of a trade secret that (i) is made (a) in confidence to a Federal, State, or
local government official, either directly or indirectly, or to an attorney and (b) solely for the purpose of reporting or investigating a suspected violation of law; or (ii) is made in a complaint or other document filed in a lawsuit or
other proceeding, if such filing is made under seal; (B) An individual who files a lawsuit for retaliation by an employer for reporting a suspected violation of law may disclose the trade secret to the attorney of the individual and use the
trade secret information in the court proceeding, if the individual (i) files any document containing the trade secret under seal; and (ii) does not disclose the trade secret, except pursuant to court order. 

15.        Legal Fees. NCR will reimburse you for up to $10,000 of reasonable,
documented legal fees incurred in connection with your review and acceptance of this Agreement. Such documentation must be submitted to Deb Bronder no later than October 15, 2020 and will be reimbursed no later than November 15, 2020. 

16.        Notices. All notices required hereunder will be in writing and will
be deemed given upon the following business day if delivered personally (receipt of which is confirmed) or by courier service promising overnight delivery (with delivery confirmation) or five (5) business days after deposit in the U.S. Mail,
certified with return receipt requested. All notices will be addressed as follows: 

					
		 	 If to you:
  

Andre Fernandez
 [***]
	  	 If to NCR:
  

NCR Corporation 
 864 Spring Street NW

Atlanta GA 30308
 Attn: General Counsel

			
		 		  	 With a copy via electronic mail to:
 law.notices@ncr.com

 or to such other address as either party will have furnished to the other in writing. 

17.        Arbitration, and Class, Collective, and Representative Action Waiver.
You and NCR (collectively, “The Parties”) agree that any controversy or claim arising out of or related to this Agreement and/or with respect to your employment with NCR shall be resolved by binding confidential arbitration; the obligation
to arbitrate shall also extend to and encompass any claims that you may have or assert against any NCR employees, officers, directors or agents. Notwithstanding the foregoing, the following disputes and claims are not covered by this Arbitration
provision and shall therefore be resolved in any appropriate forum as required by the laws then in effect: claims for workers’ compensation benefits, unemployment insurance, or state or federal disability insurance; claims for temporary or
preliminary injunctive relief (including a temporary restraining order) in aid of arbitration or to maintain the status quo pending arbitration; and any other dispute or claim that has been expressly excluded from arbitration by statute. The Parties
further agree that in the event of a breach of this Agreement, NCR or you may, in addition to any other available remedies, bring an action in a Court of competent jurisdiction for equitable relief pending appointment of an arbitrator and completion
of an arbitration; and, in such instance, shall not be required to post a bond. If any portion of this Arbitration provision is held unenforceable, it shall be severed and shall not affect the duty to arbitrate nor any other part of this Section. In
addition: 
 a.        The Parties agree that any demand for arbitration shall be
filed within two years from the date of the circumstances giving rise to the claim, or if such circumstances were not capable of discovery by diligent effort, then two years from the date such circumstances should have been discovered, or the claim
shall be barred. Arbitration shall be conducted in accordance with the Commercial Arbitration Rules and Mediation Procedures of the American Arbitration Association (available at www.ADR.org) to the extent not inconsistent with the terms of this
Agreement. The arbitrator shall allow discovery in the form of: (1) the mutual exchange of documents (as defined under the Federal Rules of Civil Procedure) pertaining to the claim being arbitrated and for which there is a direct and
demonstrable need; and (2) up to three depositions by each party. Upon good cause shown, in a personal or telephonic hearing, the arbitrator may allow additional, non-burdensome discovery. The arbitrator
shall balance the likely importance of the requested materials with the cost and burden of the discovery sought, and when disproportionate, the arbitrator may deny the request(s) or require that the requesting party advance the reasonable cost of
production to the other side. Issues of arbitrability shall be determined in accordance with the U.S. federal substantive and procedural laws relating to arbitration; in all other respects, this Agreement shall be governed by the laws of the State
of Georgia in the United States, without regard to its conflict-of-laws principles, and the arbitration shall be held in the metropolitan Atlanta, Georgia area, unless
the parties mutually agree to a different site. The arbitration shall be held before a single arbitrator who is an attorney licensed to practice law for at least ten years and who is a former judge. The arbitrator’s decision and award shall be
final and binding and may be entered in any court having jurisdiction. The Parties agree that nothing in this Agreement relieves them from any obligation they may have to exhaust certain administrative remedies before arbitrating any claims or
disputes under this Agreement. Each party shall bear its own attorney fees associated with the arbitration; other costs, and the expenses of the arbitration, shall be borne as provided by the rules of the American Arbitration Association. 

 b.        Class, Collective
and/or Representative Action Waiver. To the maximum extent permitted by law (i) all claims under this Agreement must be brought in the party’s individual capacity, and not as a plaintiff or class member in any purported class,
collective or representative proceeding; (ii) no claims may be brought or maintained on a class, collective or representative basis either in Court or in arbitration, notwithstanding the rules of the arbitral body; (iii) such claims will
be decided on an individual basis in arbitration pursuant to this Agreement; and (iv) the Parties expressly waive any right with respect to any covered claims to submit, initiate, or participate as a plaintiff, claimant or member in a class
action or collective action, regardless of whether the action is filed in arbitration or in court. Claims may not be joined or consolidated in arbitration with disputes brought by or against other individual(s), unless agreed to in writing by the
Parties (you, NCR, and the other individual(s)). Any issue concerning the validity of this class, collective or representative action waiver, and whether an action may proceed as a class, collective or representative action, must be decided by a
Court, and an arbitrator shall not have authority to consider the issue of the validity of this waiver or whether the action may proceed as a class, collective or representative action. If, for any reason, this class, collective and/or
representative action waiver is determined to be unenforceable, then the class, collective or representative claim may proceed only in a Court of competent jurisdiction and may not be arbitrated. No arbitration award or decision will have any
preclusive or estoppel effect as to issues or claims in any future dispute. THE PARTIES ACKNOWLEDGE THEY ARE KNOWINGLY AND VOLUNTARILY WAIVING ANY RIGHT THAT THEY MAY HAVE TO A JURY TRIAL. 

18.        Other Terms. You agree and acknowledge that (a) the rights and
benefits provided to you under this Agreement are personal to you and no such right or benefit will be subject to alienation, assignment or transfer except as required by law; provided, however, that in the event of your death or disability
following the Separation Date, the rights and benefits under this Agreement shall inure to the benefit of your respective heirs, executors and administrators, successors, and nothing in this Section will preclude you from designating a beneficiary
or beneficiaries to receive any benefit that by its terms or applicable plan rules is payable on your death, (b) this Agreement is not intended to, and shall not, benefit any person or entity not expressly identified herein as an intended
beneficiary, and there are no implied third-party beneficiaries under this Agreement, (c) NCR may seek any remedies available to enforce the provisions contained in this Agreement, including actual damages and seeking any injunctive relief to
enjoin further violation or for specific enforcement of this Agreement, and in any such instance relating to a request for equitable relief NCR shall not be required to post a bond, (d) to the extent that any portion of this Agreement may be
held by a competent tribunal to be invalid or legally unenforceable, the remaining portions will not be affected and will be given full force and effect, and, any such provision so held to be invalid or legally unenforceable shall be deemed revised
by the tribunal so as to be rendered enforceable, in a fashion calculated to achieve the intent of the parties expressed in this Agreement to the greatest extent possible; (e) the failure to enforce at any time any of the provisions of this
Agreement, or to require at any time performance by the other party of any of the provisions hereof, will in no way be construed to be a waiver of such provisions or to affect either the validity of this Agreement or any part hereof or the right of
either party thereafter to enforce each and every provision in accordance with the terms of this Agreement; and (f) this Agreement may be executed simultaneously in two or more counterparts, each of which will be an original and constitute one
and the same agreement. 
 19.        Governing Law; Validity. The
interpretation, construction and performance of this Agreement shall be governed by and construed and enforced in accordance with the internal laws of the State of Georgia without regard to its principles of conflicts of laws. 

 20.        Taxes and
Section 409A Compliance. NCR may withhold from any amounts payable under this Agreement all Federal, State, city or other taxes as NCR is required to withhold pursuant to any applicable law, regulation or ruling. The
consideration provided under this Agreement is intended to be exempt from or in full compliance with the provisions of Section 409A of the Internal Revenue Code and this Agreement shall be administered in a manner consistent with this intent.
Notwithstanding any other provision of this Agreement, NCR shall not be obligated to guarantee any particular tax result for you with respect to any payment provided to you hereunder, and you shall be responsible for any taxes imposed on you with
respect to any such payment. For purposes of any provision of this Agreement providing for the payment of any amounts or benefits upon or following a termination of employment that are considered deferred compensation under Section 409A,
references to your “termination of employment” (and corollary terms) with the Company shall be construed to refer to your “separation from service” (within the meaning of Treas. Reg.
Section 1.409A-1(h)) with the Company. If you are a “specified employee” within the meaning of Treasury Regulation Section 1.409A -1(i) as of the
date of your separation from Service (within the meaning of Treas. Reg. Section 1.409A-1(h)), then any payment or benefit due pursuant to this Agreement on account of your separation from service, to the
extent such payment constitutes nonqualified deferred compensation subject to Code Section 409A and required to be delayed pursuant to Section 409A(a)(2)(B)(i) of the Code (after taking into account any exclusions applicable to such
payment under Code Section 409A), shall not be made until the first business day after (i) the expiration of six (6) months from the date of Employee’s separation from service, or (ii) if earlier, the date of Employee’s
death (the “Delay Period”). Upon the expiration of the Delay Period, all payments and benefits delayed pursuant to this Section 20 (whether they would have otherwise been payable in a single sum or in installments in the absence of
such delay) shall be paid or reimbursed to you in a lump sum and any remaining payments and benefits due under this Agreement shall be paid or provided in accordance with the normal payment dates specified for them herein. To the extent that any
right to reimbursement of expenses or payment of any benefit in-kind due under this Agreement constitutes nonqualified deferred compensation (within the meaning of Section 409A of the Code), (i) any such
expense reimbursement shall be made by the Company no later than the last day of the taxable year following the taxable year in which such expense was incurred by you, (ii) the right to reimbursement or
in-kind benefits shall not be subject to liquidation or exchange for another benefit, and (iii) the amount of expenses eligible for reimbursement or in-kind
benefits provided during any taxable year shall not affect the expenses eligible for reimbursement or in-kind benefits to be provided in any other taxable year. Each payment in a series of payments due
hereunder shall be deemed to be a separate payment for purposes of Section 409A of the Code. Whenever a payment under this Agreement specifies a payment period with reference to a number of days, the actual date of payment within the specified
period shall be within the sole discretion of the Company. 
 21.        Entire
Agreement. You and NCR agree that this Agreement constitutes the complete understanding between you and NCR regarding its subject matter and that there are no other promises or agreements, express or implied, between you and NCR relating to that
subject matter. This Agreement fully supersedes and replaces all prior agreements, communications, correspondence or understandings, if any, whether written or oral between you and NCR on the subject matter of this Agreement, except that nothing
herein shall be deemed to supersede, modify or extinguish NCR remedies under the Programs or under other agreements between you and NCR relating to other matters, such as but not limited to Award Agreements and intellectual property ownership
agreements, and the terms of the Programs relating to NCR remedies and the terms of such other agreements relating to NCR remedies shall continue in full force and effect. 

22.         Acknowledgements. 

You further agree that: 
  

	 	◾	 You have read this Agreement and understand all of its terms; 

	 	◾	 You understand that this agreement includes a waiver of claims of age discrimination under the Age
Discrimination in Employment Act; 

  

	 	◾	 You are entering into this Agreement knowingly, voluntarily and with full knowledge of its significance;

  

	 	◾	 This Agreement does not release claims that may arise in the future; 

 

	 	◾	 You have been advised to consult an attorney regarding this Agreement; 

 

	 	◾	 You have twenty-one (21) calendar days to consider this
Agreement and you will have seven (7) calendar days to revoke the Agreement after you sign it. If you want to revoke it, you must deliver a written revocation to NCR at the notice address set forth in Section 15 above, within seven
(7) days after you sign the Agreement. If you do not revoke it, the Agreement will become effective on the eighth day after you sign it; 

  

	 	◾	 The promises contained in this Agreement are consideration for your signing this Agreement and represent
payments and other benefits that you are not otherwise entitled to receive from NCR. 

 THIS AGREEMENT IS EFFECTIVE AS OF THE LAST DATE SIGNED ON THIS SIGNATURE PAGE. 

 

							
	SIGNED:	 		 	
			
	Andre Fernandez	 		 	NCR Corporation
				
	/s/ Andre Fernandez	 		 		 	/s/ James M. Bedore
		 		 		 	James M. Bedore
				
		 		 		 	 Its Executive Vice President,
 General
Counsel and Secretary

				
	Date: July 8, 2020	 		 		 	
				
		 		 		 	Date: July 9, 2020

  

																					
	 Exhibit A

 
	 	 	  	 	  	Execution Copy	 	 	  	 	  	 	  	 	  	 	  	 	  	 
	FERNANDEZ, ANDRE J	  	  	 	  	  	  	  	  	  	  	  	  	  	  	  	  
	 								 
	LTI Treatment at Separation	  	  	 	  	  	  	  	  	  	  	  	  	  	  	  	  

																													
	 	  	 	 	 	 	 	  	 	  	 	  	 	  	 	 	  	 	 	  	 
	 	 	 	  	 	  	Separation Date	 	 	10/1/2020    	 	  	 	  	 	  	 	  	 	 	  	 	 	  	 
	 	  	 	 	 	 	 	  	 	  	 	  	 	  	 	 	  	 	 	  	 
	 RESTRICTED STOCK and STOCK
OPTIONS
	 	 	 	 	  	 	  	 	  	 	  	 	 	  	 	 	  	 
	 	 	 	  	 	  	 	 	 	 	 	  	 	  	 	  	 	  	Estimated
Shares to be  	 	  	
Estimated*    

Distribution**  
	 	  	 
	Grant	 	Award	  	Vesting	  	Granted	 	 	Current	 	  	Vested	  	Vested/Distributed  	  	Exercise  	  	Forfeited**	 	  	  
	Date	 	Type	  	Treatment*	  	Total	 	 	Unvested	 	  	Options  	  	RSU’s	  	Price	  	Shares	 	  	Shares	 	  	Date* **
	 	 	 	 	 	 	 	 	 	 	 
	09/01/18  	 	Time-Based RSU    	  	 Full Vesting
	  	 	105,597	 	 	 	70,398	 	  	0	  	35,199	  	0.00	  	 	-	 	  	 	70,398	 	  	Fully vested on Separation Date
	 	 	 	 	 	 	 	 	 	 	 
	02/08/19	 	Performance RSU	  	Pro-rated vesting in accordance with the applicable Award Agreement based on the number of days actively worked by you, except that the 2021 tranche (61,079 shares) will vest in full on
2/8/21 so long as your employment does not terminate on or before 8/8/20 under Section 1(a)(ii) or Section 1(a)(iii) of this Agreement.	  	 	183,239	 	 	 	122,160	 	  	0	  	61,079	  	0.00	  	 	61,081	 	  	 	61,079	 	  	February 8, 2021
	 	 	 	 	 	 	 	 	 	 	 
	02/12/20	 	Performance RSU	  	Pro-rated Vesting in accordance with the applicable Award Agreement based on the number of days actively worked by you.	  	 	42,080	 	 	 	42,080	 	  	0	  	0	  	0.00	  	 	33,135	 	  	 	8,945	 	  	2/12/2023, if there is a payout. Must be certified by the CHRC.
	 	 	 	 	 	 	 	 	 	 	 
	09/01/18	 	NQSO	  	 Full Vesting
	  	 	114,155	 	 	 	85,617	 	  	28,538	  	0	  	28.41	  	 	-	 	  	 	85,617	 	  	Fully vested on Separation Date. Exercisable for one year following Separation Date.
	 	 	 	 	 	 	 	 	 	 	 
	02/08/19	 	NQSO	  	Pro-rated vesting in accordance with the applicable Award Agreement based on the number of days actively worked by you, except that the 2021 tranche
(43,424 option shares) will vest in full on 2/8/21 so long as your employment does not terminate on or before 8/8/20 under Section 1(a)(ii) or Section 1(a)(iii) of this Agreement. One year to exercise vested.	  	 	173,697	 	 	 	130,273	 	  	43,424	  	0	  	26.42	  	 	86,849	 	  	 	43,424	 	  	February 8, 2021. Exercisable for one year following Separation Date.
	 	 	 	 	 	 	 	 	 	 	 
	02/12/20	 	NQSO	  	Pro-rated vesting in accordance with the applicable Award Agreement based on the number of days actively worked by you, except that the 2021 tranche
(110,403 option shares) will vest in full on 2/12/21 so long as your employment does not terminate on or before 8/12/20 under Section 1(a)(ii) or Section 1(a)(iii) of this Agreement. One year to exercise vested.	  	 	331,210	 	 	 	331,210	 	  	0	  	0	  	38.26	  	 	220,807	 	  	 	110,403	 	  	February 12, 2021. Exercisable for one year following Separation Date.
											
	Total  
	 		  	 	  	   
	949,978  
	   
	 	   
	781,738  
	   
	  	 	  	 	  	 	  	   
	401,872  
	   
	  	   
	379,866  
	   
	  	 
		 		  	 	  	 	 	 	 	 	 	 	  	 	  	 	  	 	  	 	 	 	  	 	 	 	  	 

 * Notwithstanding anything in this Exhibit A to the contrary, awards 100% forfeited and cancelled if your
employment terminates under Section 1(a)(iii) of this Agreement.     
 ** Presumes no employment termination
under Section 1(a)(ii) or Section 1(a)(iii) of this Agreement as described in Column D (as applicable). In the event of such a termination, share distribution will be less than the amount shown, or zero (in the event of a termination under
Section 1(a)(iii) of this Agreement).     

	
	 PLEASE NOTE: This is an
estimate of your prorated equity at the time of your separation. Actual shares delivered will depend on the circumstances of your termination and the terms of this Agreement and your applicable Award Agreements. Actual shares delivered will also be
net of taxes withheld.EX-4.1

 Exhibit 4.1 

Execution 
 AMENDED
AND RESTATED CERTIFICATE OF INCORPORATION 
 OF 

GOHEALTH, INC. 
 GoHealth,
Inc., a corporation organized and existing under the laws of the State of Delaware, hereby certifies as follows: 
 1. The original
Certificate of Incorporation of the Corporation was filed with the Office of the Secretary of State of the State of Delaware on March 27, 2020 (the “Original Certificate”). 

2. The Corporation is filing this Amended and Restated Certificate of Incorporation of the Corporation (the “Certificate of
Incorporation”), which restates, integrates and further amends the Original Certificate, as heretofore amended, and which was duly adopted by all necessary action of the board of directors of the Corporation and the stockholders of the
Corporation in accordance with the provisions of Sections 242, 245 and 228 of the General Corporation Law of the State of Delaware. 
 3.
The text of the Original Certificate is hereby amended and restated in its entirety to read in full as follows: 
 ARTICLE I. 

The name of the corporation is GoHealth, Inc. (the “Corporation”). 

ARTICLE II. 
 The address
of the Corporation’s registered office in the State of Delaware is 251 Little Falls Drive, New Castle County, Wilmington, Delaware, 19808. The name of its registered agent at such address is Corporation Service Company. 

ARTICLE III. 
 The nature
of the business of the Corporation and the objects or purposes to be transacted, promoted or carried on by the Corporation is to engage in any lawful act or activity for which corporations may be organized under the General Corporation Law of the
State of Delaware (the “DGCL”), including, without limitation, (i) investing in securities of GoHealth Holdings, LLC, a Delaware limited liability company, or any successor entities thereto (“GoHealth
LLC”) and any of its subsidiaries, (ii) exercising all rights, powers, privileges and other incidents of ownership or possession with respect to the Corporation’s assets, including managing, holding, selling and disposing of
such assets and (iii) engaging in any other activities incidental or ancillary thereto. 

 ARTICLE IV. 

Section 4.1 Authorized Stock and Recapitalization. 

(a) Authorized Stock. The total number of shares of all classes of stock that the Corporation is authorized to issue is one billion,
eight hundred and ten million (1,810,000,000) shares, consisting of three classes as follows: 
 (i) One billion, one hundred million
(1,100,000,000) shares of Class A common stock, with a par value of $0.0001 per share (the “Class A Common Stock”); 

(ii) Six hundred ninety million (690,000,000) shares of Class B common stock, with a par value of $0.0001 per share (the
“Class B Common Stock”); and 
 (iii) Twenty million (20,000,000) shares of
preferred stock, with a par value of $0.0001 per share (the “Preferred Stock”). 
 (b) Recapitalization.
Effective upon the filing of this Certificate of Incorporation with the Secretary of State of the State of Delaware, all shares of common stock, par value $0.001 per share, of the Corporation issued and outstanding immediately prior to the filing of
this Certificate of Incorporation (the “Existing Common Stock”) shall be recapitalized, reclassified and reconstituted into one (1) fully paid and non-assessable share of
Class A Common Stock (as defined below) (the “Recapitalization”). The Recapitalization shall occur automatically without any further action by the holders of Existing Common Stock. The outstanding stock certificate that,
immediately prior to the Recapitalization, represented the outstanding Existing Common Shares shall, upon and after the Recapitalization, be deemed to represent one (1) share of Class A Common Stock, without the need for surrender or
exchange thereof. 
 Section 4.2 Preferred Stock. The board of directors of the Corporation (the “Board of
Directors”) is authorized, subject to any limitations prescribed by law or by that certain Stockholders Agreement, dated as of July 15, 2020, by and among the Corporation and the other Persons party thereto (as such agreement may
be further amended, restated, amended and restated, supplemented or otherwise modified from time to time, the “Stockholders Agreement”), to provide, out of the unissued shares of Preferred Stock, for the issuance of shares of
Preferred Stock in one or more series, and by filing a certificate pursuant to the applicable law of the State of Delaware (such certificate being hereinafter referred to as a “Preferred Stock Designation”), to establish from
time to time the number of shares to be included in each such series and to fix the powers, designations, preferences and relative, participating, optional or other special rights, and qualifications, limitations or restrictions thereof, including,
without limitation, the authority to fix the dividend rights, dividend rates, conversion rights, exchange rights, voting rights, rights and terms of redemption (including sinking and purchase fund provisions), the redemption price or prices,
restrictions on the issuance of shares of such series, the dissolution preferences and the rights in respect of any distribution of assets of any wholly unissued series of Preferred Stock, or any of them and to increase or decrease the number of
shares of any series so created (except where otherwise provided in the Preferred Stock Designation), subsequent to the issue of that series but not below the number of shares of such series then outstanding. In case the authorized number of shares
of any series shall be so decreased, the shares constituting such decrease shall resume the 

  
 2 

 
status which they had prior to the adoption of the resolution originally fixing the number of shares of such series (except where otherwise provided in the Preferred Stock Designation). There
shall be no limitation or restriction on any variation between any of the different series of Preferred Stock as to the designations, preferences and relative, participating, optional or other special rights, and the qualifications, limitations or
restrictions thereof; and the several series of Preferred Stock may vary in any and all respects as fixed and determined by the resolution or resolutions of the Board of Directors or by a duly authorized committee of the Board of Directors,
providing for the issuance of the various series of Preferred Stock. 
 Section 4.3 Number of Authorized Shares. Subject to any
limitations prescribed by the Stockholders Agreement, the number of authorized shares of any of the Class A Common Stock, Class B Common Stock or Preferred Stock may be increased or decreased (but not below the number of shares thereof
then outstanding) by the affirmative vote of the holders of a majority of the voting power of all of the outstanding shares of stock of the Corporation entitled to vote thereon, without a separate vote of any holders of shares of Class A Common
Stock, Class B Common Stock or Preferred Stock, or of any series thereof, irrespective of the provisions of Section 242(b)(2) of the DGCL, unless a separate vote of any such holders is required pursuant to the terms of any Preferred Stock
Designation. 
 Section 4.4 Common Stock. The powers, preferences and rights of the Class A Common Stock and the
Class B Common Stock, and the qualifications, limitations or restrictions thereof are as follows: 
 (a) Voting Rights. Except
as otherwise required by law, 
 (i) Each share of Class A Common Stock shall entitle the record holder thereof as of the applicable
record date to one (1) vote per share in person or by proxy on all matters submitted to a vote of the holders of Class A Common Stock, whether voting separately as a class or otherwise. 

(ii) Each share of Class B Common Stock shall entitle the record holder thereof as of the applicable record date to one (1) vote
per share in person or by proxy on all matters submitted to a vote of the holders of Class B Common Stock, whether voting separately as a class or otherwise. 

(iii) Except as otherwise required in this Certificate of Incorporation, the holders of shares of Class A Common Stock and Class B
Common Stock shall vote together as a single class (or, if any holders of shares of Preferred Stock are entitled to vote together with the holders of Class A Common Stock and Class B Common Stock, as a single class with such holders of
Preferred Stock) on all matters submitted to a vote of stockholders of the Corporation. 
 (b) Dividends and Distributions. Subject
to applicable law and the rights, if any, of the holders of any outstanding series of Preferred Stock or any class or series of stock having a preference over or the right to participate with the Class A Common Stock with respect to the payment
of dividends, dividends may be declared and paid on the Class A Common Stock out of the assets or funds of the Corporation that are by law available therefor, at such times and in such amounts as the Board of Directors in its discretion shall
determine. Other than in 

  
 3 

 
connection with a dividend declared by the Board of Directors in connection with a “poison pill” or similar stockholder rights plan, dividends shall not be declared or paid on the
Class B Common Stock and the holders of shares of Class B Common Stock shall have no right to receive dividends in respect of such shares of Class B Common Stock. 

(c) Liquidation Rights. In the event of liquidation, dissolution or winding up of the affairs of the Corporation, whether voluntary or
involuntary, after payment or provision for payment of the debts and other liabilities of the Corporation and after making provisions for preferential and other amounts, if any, to which the holders of Preferred Stock or any class or series of stock
having a preference over or the right to participate with the Class A Common Stock with respect to payments in liquidation shall be entitled, the remaining assets and funds of the Corporation available for distribution shall be divided among
and paid ratably to the holders of all outstanding shares of Class A Common Stock and Class B Common Stock in proportion to the number of shares held by each such stockholder; provided, that the holders of shares of Class B
Common Stock shall be entitled to receive $0.0001 per share, and upon receiving such amount, the holders of shares of Class B Common Stock, as such, shall not be entitled to receive any other assets or funds of the Corporation. A consolidation,
reorganization or merger of the Corporation with any other Person or Persons (as defined below), or a sale of all or substantially all of the assets of the Corporation, shall not be considered to be a dissolution, liquidation or winding up of the
Corporation within the meaning of this Section 4.4(c). 
 (d) Class B Common Stock. 

(i) From and after the effectiveness of this Certificate of Incorporation with the Secretary of State of the State of Delaware (the
“Effective Time”), shares of Class B Common Stock may be issued only to, and registered only in the name of, the Existing Owners (as defined below), their respective successors and assigns as well as their Permitted
Transferees (as defined below) in accordance with Section 4.4 (including all subsequent successors, assigns and Permitted Transferees) (the Existing Owners together with such Persons, collectively, the “Permitted
Class B Owners”) and the aggregate number of shares of Class B Common Stock at any time registered in the name of each such Permitted Class B Owner must be equal to the aggregate number of
Common Units (as defined below) held of record at such time by such Permitted Class B Owner under the LLC Agreement (as defined below). As used in this Certificate of Incorporation, (A) “Existing Owner” means each of the
holders of Common Units (other than the Corporation) of GoHealth LLC, as set forth on Schedule 1 of the LLC Agreement (as defined below) (as such Schedule 1 may be amended from time to time in accordance with the LLC Agreement), (B)
“Common Unit” means a membership interest in GoHealth LLC, authorized and issued under the Second Amended and Restated Limited Liability Company Agreement of GoHealth LLC, dated as of the date hereof, as such agreement may be
further amended, restated, amended and restated, supplemented or otherwise modified from time to time (the “LLC Agreement”), and constituting a “Common Unit” as defined in such LLC Agreement and (C)
“Permitted Transferee” has the meaning given to it in the LLC Agreement. 
 (ii) The Corporation shall, to the
fullest extent permitted by law, undertake all necessary and appropriate action to ensure that the number of shares of Class B Common Stock issued by the Corporation at any time to, or otherwise held of record by, any Permitted Class B
Owner shall be equal to the aggregate number of Common Units held of record by such Permitted Class B Owner in accordance with the terms of the LLC Agreement. 

  
 4 

 (iii) In the event that there is a merger, consolidation or Change of Control (as defined
below) of the Corporation that was approved by the Board of Directors prior to such merger, consolidation or Change of Control, then the holders of shares of Class B Common Stock shall not be entitled to receive more than $0.0001 per share of
Class B Common Stock, whether in the form of consideration for such shares or in the form of a distribution of the proceeds of a sale of all or substantially all of the assets of the Corporation with respect to such shares. 

Section 4.5 Transfer of Class B Common Stock. 

(a) A holder of Class B Common Stock may surrender shares of Class B Common Stock to the Corporation for cancellation for no
consideration at any time. Following the surrender, or other acquisition, of any shares of Class B Common Stock to or by the Corporation, the Corporation will take all actions necessary to cancel and retire such shares and such shares shall not
be re-issued by the Corporation. 
 (b) Except as set forth in
Section 4.5(a), a holder of Class B Common Stock may transfer or assign shares of Class B Common Stock (or any legal or beneficial interest in such shares) (directly or indirectly, including by operation of law)
only to a Permitted Transferee of such holder, and only if such holder also simultaneously transfers an equal number of such holder’s Common Units to such Permitted Transferee in compliance with the LLC Agreement. The transfer restrictions
described in this Section 4.5(b) are referred to as the “Restrictions”. 
 (c) Any
purported transfer of shares of Class B Common Stock in violation of the Restrictions shall be null and void. If, notwithstanding the Restrictions, a Person shall, voluntarily or involuntarily, purportedly become or attempt to become, the
purported owner (“Purported Owner”) of shares of Class B Common Stock in violation of the Restrictions, then the Purported Owner shall not obtain any rights in, to or with respect to such shares of Class B Common
Stock (the “Restricted Shares”), and the purported transfer of the Restricted Shares to the Purported Owner shall not be recognized by the Corporation, the Corporation’s transfer agent (the “Transfer
Agent”) or the Secretary of the Corporation and each Restricted Share shall, to the fullest extent permitted by law, automatically, without any further action on the part of the Corporation, the holder thereof, the Purported Owner or
any other party, lose all voting rights as set forth herein and become a non-voting share. 
 (d)
Upon a determination by the Board of Directors that a Person has attempted or may attempt to transfer or to acquire Restricted Shares in violation of the Restrictions, the Corporation may take such action as it deems advisable to refuse to give
effect to such transfer or acquisition on the books and records of the Corporation, including without limitation to cause the Transfer Agent or the Secretary of the Corporation, as applicable, to not record the Purported Owner as the record owner of
the Restricted Shares, and to institute proceedings to enjoin or rescind any such transfer or acquisition. 
 (e) The Board of Directors
may, to the extent permitted by law, from time to time establish, modify, amend or rescind, by bylaw or otherwise, regulations and procedures not 

  
 5 

 
inconsistent with the provisions of this Section 4.5 for determining whether any transfer or acquisition of shares of Class B Common Stock would violate the
Restrictions and for the orderly application, administration and implementation of the provisions of this Section 4.5. Any such procedures and regulations shall be kept on file with the Secretary of the Corporation and with
the Transfer Agent and shall be made available for inspection by and, upon written request shall be mailed to, holders of shares of Class B Common Stock. 

Section 4.6 Certificates. All certificates or book entries representing shares of Class B Common Stock shall bear a legend
substantially in the following form (or in such other form as the Board of Directors may determine): 
 THE SECURITIES
REPRESENTED BY THIS [CERTIFICATE][BOOK ENTRY] ARE SUBJECT TO THE RESTRICTIONS (INCLUDING RESTRICTIONS ON TRANSFER) SET FORTH IN THE AMENDED AND RESTATED CERTIFICATE OF INCORPORATION OF THE CORPORATION AS IT MAY BE AMENDED AND/OR RESTATED (A COPY OF
WHICH IS ON FILE WITH THE SECRETARY OF THE CORPORATION AND SHALL BE PROVIDED FREE OF CHARGE TO ANY STOCKHOLDER MAKING A REQUEST THEREFOR). 

Section 4.7 Fractions. Class A Common Stock and Class B Common Stock may be issued and transferred in fractions of a
share which shall entitle the holder to exercise fractional voting rights and to have the benefit of all other rights of holders of Class A Common Stock and Class B Common Stock, as applicable. Subject to the Restrictions, holders of
shares of Class A Common Stock and Class B Common Stock shall be entitled to transfer fractions thereof and the Corporation shall, and shall cause the Transfer Agent to, facilitate any such transfers, including by issuing certificates or
making book entries representing any such fractional shares. For all purposes of this Certificate of Incorporation, all references to Class A Common Stock and Class B Common Stock or any share thereof (whether in the singular or plural)
shall be deemed to include references to any fraction of a share of such Class A Common Stock or Class B Common Stock. 

Section 4.8 Amendment. 

Except as otherwise required by law, holders of Class A Common Stock and Class B Common Stock shall not be entitled to vote on any
amendment to this Certificate of Incorporation (including any Preferred Stock Designation) that relates solely to the terms of one or more outstanding series of Preferred Stock if the holders of such affected series are entitled, either separately
or together with the holders of one or more other such series, to vote thereon pursuant to this Certificate of Incorporation (including any Preferred Stock Designation). 

ARTICLE V. 
 The
Corporation shall at all times reserve and keep available out of its authorized but unissued shares or other securities at least as many shares or other securities equal to the number of Common Units held by the holders of Common Units (other than
the Corporation and any direct or indirect majority-owned subsidiary of the Corporation). 

  
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 ARTICLE VI. 

Subject to any limitations prescribed by the Stockholders Agreement, the Bylaws of the Corporation (the “Bylaws”) may
be altered, amended or repealed, and new bylaws made, by the affirmative vote of a majority of the Whole Board of Directors. Notwithstanding anything to the contrary contained in this Certificate of Incorporation or any provision of law which might
otherwise permit a lesser vote of the stockholders, and subject to any limitations prescribed by the Stockholders Agreement, at any time when Centerbridge beneficially owns, in the aggregate, less than forty percent (40%) in voting power of the
stock of the Corporation entitled to vote generally in the election of directors, in addition to any vote of the holders of any class or series of capital stock of the Corporation required by any provision of this Certificate of Incorporation
(including any Preferred Stock Designation), the Bylaws or applicable law, the affirmative vote of at least sixty-six and two-thirds percent (66 2/3%) of the voting
power of all of the outstanding voting stock of the Corporation entitled to vote, voting together as a single class, shall be required in order for the stockholders of the Corporation to alter, amend, repeal or rescind, in whole or in part, any
provision of the Bylaws or to adopt any provision inconsistent therewith. For purposes of this Certificate of Incorporation, the term “Whole Board of Directors” shall mean the total number of authorized directors (from time
to time) whether or not there exist any vacancies in previously authorized directorships. 
 ARTICLE VII. 

Section 7.1 Ballot. Elections of directors (each such director, in such capacity, a “Director”) need not
be by written ballot unless the Bylaws shall so provide. 
 Section 7.2 Number and Terms of the Board of Directors. Subject to
the rights of the holders of any series of Preferred Stock to elect directors under specified circumstances and the terms of the Stockholders Agreement, the number of Directors shall be fixed from time to time exclusively by a majority of the Whole
Board of Directors; provided, that for as long as the Stockholders Agreement is in effect, the number of Directors shall never be less than the aggregate number of Directors that the parties to the Stockholders Agreement are entitled to
designate from time to time pursuant to Section 1 thereof. 
 Section 7.3 Newly Created Directorships and Vacancies. Except
as otherwise required by law and the separate rights of the holders of any series of Preferred Stock then outstanding, unless the Board of Directors otherwise determines, newly created directorships resulting from any increase in the authorized
number of directors or any vacancies on the Board of Directors resulting from the death, resignation, disqualification, removal from office or other cause shall be filled (x) for so long as the Stockholders Agreement remains in effect, only by
a majority vote of the Directors then in office, though less than a quorum, or by a sole remaining Director entitled to vote thereon, or by the vote of the stockholders entitled to vote thereon and (y) at any time when the Stockholders
Agreement is no longer in effect, only by a majority of the Directors then in office, though less than a quorum, or by a sole remaining Director entitled to vote thereon, and not by the stockholders. Subject to the Stockholders Agreement, any
Director so chosen shall hold office until the next election of the class for which such Director shall have been chosen and until his successor shall be elected and qualified. 

  
 7 

 Section 7.4 Removal for Cause. Subject to the rights of the holders of any
series of Preferred Stock then outstanding, for as long as this Certificate of Incorporation provides for a classified Board of Directors, any Director, or the entire Board of Directors, may otherwise be removed only for cause by an affirmative vote
of at least sixty-six and two-thirds percent (66 2/3%) of the voting power of all the outstanding shares of stock entitled to vote generally in the election of
directors, at a meeting duly called for that purpose. Notwithstanding the foregoing, the directors appointed pursuant to the Stockholders Agreement may be removed with or without cause in accordance with the terms thereof and the requirements of the
DGCL. 
 Section 7.5 Classified Board. At the Effective Time, the Directors shall be classified, with respect to the time for
which they shall hold their respective offices, by dividing them into three (3) classes, with each Director then in office to be designated as a Class I Director, a Class II Director or a Class III Director, with each class to be
apportioned as nearly equal in number as possible. Directors shall be assigned to each class in accordance with a resolution or resolutions adopted by the Board of Directors. The initial Class I Directors shall serve for a term expiring at the
first annual meeting of stockholders of the Corporation following the Effective Time; the initial Class II Directors shall serve for a term expiring at the second annual meeting of stockholders following the Effective Time; and the initial
Class III Directors shall serve for a term expiring at the third annual meeting of stockholders following the Effective Time. At each annual meeting of stockholders beginning with the first annual meeting of stockholders following the Effective
Time, the successors of the class of Directors whose term expires at that meeting shall be elected to hold office for a term expiring at the third annual meeting of stockholders to be held following their election, with each Director in each such
class to hold office until his or her successor is duly elected and qualified, subject to such Director’s earlier death, resignation or removal in accordance with Section 7.4 of this Amended and Restated Certificate of
Incorporation. Subject to the Stockholders Agreement, the Board of Directors is authorized to assign each Director already in office at the Effective Time, as well as each Director elected or appointed to a newly created directorship due to an
increase in the size of the Board of Directors, to Class I, Class II or Class III; provided, that the class assignments for the initial directors designated for nomination and elected to the Board of Directors pursuant to the
Stockholders Agreement shall be as set forth in Section 3 of the Stockholders Agreement. Without limitation to the rights of the stockholders party to the Stockholders Agreement, the provisions of this Section 7.5 are
subject to the rights of the holders of any class or series of Preferred Stock to elect directors and such directors need not serve classified terms. 

Section 7.6 Notice. Advance notice of stockholder nominations for election of Directors and other business to be brought by
stockholders before a meeting of stockholders shall be given in the manner provided by the Bylaws. 
 ARTICLE VIII. 

At any time when Centerbridge beneficially owns, in the aggregate, at least forty percent (40%) in voting power of the Corporation entitled to
vote generally in the election of directors, any action required or permitted to be taken at any annual or special meeting of stockholders may be taken without a meeting, without prior notice and without a vote, if a consent or consents in writing,
setting forth the action so taken, are (1) signed by the holders of outstanding shares of the relevant class(es) or series of stock of the Corporation representing not less than the minimum 

  
 8 

 
number of votes that would be necessary to authorize or take such action at a meeting at which all shares of stock of the Corporation then issued and outstanding (other than treasury stock)
entitled to vote thereon were present and voted, and (2) delivered to the Corporation in accordance with applicable law. At any time when Centerbridge beneficially owns, in the aggregate, less than forty percent (40%) in voting power of the
Corporation entitled to vote generally in the election of directors, any action required or permitted to be taken at any annual or special meeting of stockholders must be effected at a duly called annual or special meeting of such holders and may
not be effected by written consent in lieu of a meeting; provided, however, that any action required or permitted to be taken by the holders of Preferred Stock, voting separately as a series or separately as a class with one or more
other such series, may be taken without a meeting, without prior notice and without a vote, to the extent expressly so provided by the applicable Preferred Stock Designation. 

ARTICLE IX. 
 Subject to
any limitations prescribed by the Stockholders Agreement, the Corporation reserves the right to amend, alter, change or repeal any provision contained in this Certificate of Incorporation, in the manner now or hereafter prescribed by statute, and
all rights conferred upon stockholders herein are granted subject to this reservation; provided, (x) that any amendment (including by merger, consolidation or otherwise) to this Certificate of Incorporation that gives holders of the
Class B Common Stock (i) any rights to receive dividends or any other kind of distribution other than in connection with a dissolution or liquidation pursuant to Section 4.4(c), (ii) any right to convert into or
be exchanged for Class A Common Stock or (iii) any other economic rights shall, in addition to the affirmative vote of at least a majority of the voting power of all of the outstanding voting stock of the Corporation entitled to vote, also
require the affirmative vote of a majority of shares of Class A Common Stock voting separately as a class and (y) at any time when Centerbridge beneficially owns, in the aggregate, less than forty percent (40%) in voting power of the stock
of the Corporation entitled to vote generally in the election of directors, in addition to any vote of the holders of any class or series of capital stock of the Corporation required by any provision of this Certificate of Incorporation (including
any Preferred Stock Designation) or applicable law, but subject to Section 4.8, the affirmative vote of at least sixty-six and two-thirds
percent (66 2/3%) of the voting power of all of the outstanding voting stock of the Corporation entitled to vote, voting together as a single class, shall be required in order for the stockholders of the Corporation to alter, amend, repeal or
rescind, in whole or in part, any provision of this Certificate of Incorporation or to adopt any provision inconsistent therewith. 

ARTICLE X. 
 The
Corporation is authorized to indemnify, and to advance expenses to, each current or former Director, officer, employee or agent of the Corporation to the fullest extent permitted by Section 145 of the DGCL as it presently exists or may
hereafter be amended. To the fullest extent permitted by the laws of the State of Delaware as it exists on the date hereof or as it may hereafter be amended, no Director shall be personally liable to the Corporation or its stockholders for monetary
damages for any breach of his or her fiduciary duties as a director. No amendment to, or modification or repeal of, this Article X shall adversely affect any right or protection of a Director or of any officer, employee or agent of the
Corporation existing hereunder with respect to any act or omission occurring prior to such amendment, modification or repeal. 

  
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 ARTICLE XI. 

Section 11.1 Corporate Opportunity. 

(a) To the fullest extent permitted by the laws of the State of Delaware and in accordance with Section 122(17) of the DGCL, (i) the
Corporation hereby renounces all interest and expectancy that it otherwise would be entitled to have in, and all rights to be offered an opportunity to participate in, any business opportunity that from time to time may be presented to Centerbridge
or its Affiliates (other than the Corporation and its subsidiaries), and any of its or their respective principals, members, directors, partners, stockholders, officers, employees or other representatives (other than any such Person who is also an
employee of the Corporation or its subsidiaries), or any Director or stockholder who is not employed by the Corporation or its subsidiaries (each such Person, an “Exempt Person”); (ii) no Exempt Person will have any duty to
refrain from (1) engaging in a corporate opportunity in the same or similar lines of business in which the Corporation or its subsidiaries from time to time is engaged or proposes to engage or (2) otherwise competing, directly or
indirectly, with the Corporation or any of its subsidiaries; and (iii) if any Exempt Person acquires knowledge of a potential transaction or other business opportunity which may be a corporate opportunity both for such Exempt Person or any of
his or her respective Affiliates, on the one hand, and for the Corporation or its subsidiaries, on the other hand, such Exempt Person shall have no duty to communicate or offer such transaction or business opportunity to the Corporation or its
subsidiaries and such Exempt Person may take any and all such transactions or opportunities for itself or offer such transactions or opportunities to any other Person. Notwithstanding the foregoing, the preceding sentence of this
Section 11.1(a) shall not apply to any potential transaction or business opportunity that is expressly offered to a Director, executive officer or employee of the Corporation or its subsidiaries, solely in his or her
capacity as a Director, executive officer or employee of the Corporation or its subsidiaries. 
 (b) To the fullest extent permitted by the
laws of the State of Delaware, no potential transaction or business opportunity may be deemed to be a corporate opportunity of the Corporation or its subsidiaries unless (i) the Corporation or its subsidiaries would be permitted to undertake
such transaction or opportunity in accordance with this Certificate of Incorporation, (ii) the Corporation or its subsidiaries at such time have sufficient financial resources to undertake such transaction or opportunity, (iii) the
Corporation or its subsidiaries have an interest or expectancy in such transaction or opportunity and (iv) such transaction or opportunity would be in the same or similar line of business in which the Corporation or its subsidiaries are then
engaged or a line of business that is reasonably related to, or a reasonable extension of, such line of business. 
 Section 11.2
Liability. To the fullest extent permitted by law, no stockholder and no Director will be liable to the Corporation or its subsidiaries or stockholders for breach of any duty solely by reason of any activities or omissions of the types
referred to in this Article XI, except to the extent such actions or omissions are in breach of this Article XI. 
 ARTICLE
XII. 
 Unless the Corporation consents in writing to the selection of an alternative forum, (a) (i) any derivative action or
proceeding brought on behalf of the Corporation, (ii) any action asserting a claim of breach of a fiduciary duty owed by any current or former director, officer, other 

  
 10 

 
employee or stockholder of the Company to the Company or the Company’s stockholders (iii) any action asserting a claim arising pursuant to any provision of the DGCL, this Certificate of
Incorporation, the Bylaws or as to which the DGCL confers exclusive jurisdiction on the Court of Chancery of the State of Delaware (the “Court of Chancery”), or (iv) any action asserting a claim governed by the internal
affairs doctrine, be exclusively brought in the Court of Chancery of the State of Delaware or, if such court does not have subject matter jurisdiction thereof, the federal district court of the State of Delaware; and (b) the federal district
courts of the United States (the “Federal Courts”) shall be the exclusive forum for the resolution of any complaint asserting a cause of action arising under the Securities Act of 1933, as amended. If any action, the subject
matter of which is within the scope of the first sentence of this Article XII, is filed in a court other than the Court of Chancery or the Federal Courts, as applicable, (a “Foreign Action”) in the name of any
stockholder, such stockholder shall be deemed to have consented to (i) the personal jurisdiction of the Court of Chancery or the Federal Courts, as applicable, in connection with any action brought in any such court to enforce the first
sentence of this Article XII and (ii) having service of process made upon such stockholder in any such action by service upon such stockholder’s counsel in the Foreign Action as agent for such stockholder. To the fullest extent
permitted by law, any Person purchasing or otherwise acquiring or holding any interest in shares of capital stock of the Corporation shall be deemed to have notice of and consented to the provisions of this Article XII. Notwithstanding the
foregoing, this Article XII shall not apply to claims seeking to enforce any liability or duty created by the Securities Exchange Act of 1934, as amended. 

ARTICLE XIII. 

Section 13.1 Section 203 of the DGCL. The Corporation expressly elects not to be governed by Section 203 of the DGCL and the
restrictions and limitations set forth therein. 
 Section 13.2 Interested Stockholder Transactions. Notwithstanding anything to
the contrary set forth in this Certificate of Incorporation, the Corporation shall not engage in any Business Combination (as defined below) at any point in time at which the Corporation’s Class A Common Stock and Class B Common Stock
is registered under Section 12(b) or 12(g) of the Exchange Act with any Interested Stockholder (as defined below) for a period of three (3) years following the time that such stockholder became an Interested Stockholder, unless: 

(a) prior to such time that such stockholder became an Interested Stockholder, the Board of Directors approved either the Business Combination
or the transaction which resulted in such stockholder becoming an Interested Stockholder; or 
 (b) upon consummation of the transaction
which resulted in the stockholder becoming an Interested Stockholder, the Interested Stockholder owned at least 85% of the voting stock (as defined below) of the Corporation outstanding at the time the transaction commenced, excluding for purposes
of determining the voting stock outstanding (but not the outstanding voting stock owned by the Interested Stockholder) those shares owned by (i) persons who are directors and also officers and (ii) employee stock plans in which employee
participants do not have the right to determine confidentially whether shares held subject to the plan will be tendered in a tender or exchange offer; or 

  
 11 

 (c) at or subsequent to such time that such stockholder became an Interested Stockholder,
the Business Combination is approved by the Board of Directors and authorized at an annual or special meeting of stockholders by the affirmative vote of at least sixty-six and
two-thirds percent (66 2/3%) of the voting power of the outstanding shares of capital stock of the Corporation which is not owned by such Interested Stockholder. 

Section 13.3 Definitions. As used in this Certificate of Incorporation, the following terms shall have the following meaning: 

(a) “Affiliate” means a Person that directly, or indirectly through one or more intermediaries, controls, or is
controlled by, or is under common control with, another Person; 
 (b) “Associate”, when used to indicate a
relationship with any Person, means: (i) any corporation, partnership, unincorporated association or other entity of which such Person is a director, officer or partner or is, directly or indirectly, the owner of twenty percent (20%) or more of
any class of shares of voting stock of the Corporation; (ii) any trust or other estate in which such Person has at least a twenty percent (20%) beneficial interest or as to which such Person serves as trustee or in a similar fiduciary capacity;
and (iii) any relative or spouse of such Person, or any relative of such spouse, who has the same residence as such Person. 
 (c)
“Business Combination” means (i) any merger or consolidation of the Corporation or any direct or indirect majority-owned subsidiary of the Corporation with the Interested Stockholder or (ii) any sale, lease,
exchange, mortgage, pledge, transfer or other disposition (in one transaction or a series of transactions), except proportionately as a stockholder of the Corporation, to or with the Interested Stockholder, whether as part of a dissolution or
otherwise, of assets of the Corporation or of any direct or indirect majority-owned subsidiary of the Corporation which assets have an aggregate market value equal to ten percent (10%) or more of either the aggregate market value of all the assets
of the Corporation determined on a consolidated basis or the aggregate market value of all the outstanding shares of capital stock of the Corporation. 

(d) “Centerbridge” means Centerbridge Capital Partners III, L.P., a Delaware limited partnership, certain of its
Affiliates and any Centerbridge Party (as defined in the Stockholders Agreement) and its and their successors and assigns (other than the Corporation and its subsidiaries). 

(e) “Centerbridge Related Parties” means Centerbridge and its Permitted Transferees. 

(f) “Change of Control” means the occurrence of any of the following events: (1) any “person” or
“group” (within the meaning of Sections 13(d) and 14(d) of the Exchange Act, but excluding any employee benefit plan of such person and its subsidiaries, and any person or entity acting in its capacity as trustee, agent or other fiduciary
or administrator of any such plan) becomes the “beneficial owner” (within the meaning of Rules 13d-3 and 13d-5 under the Exchange Act), directly or indirectly,
of shares of Class A Common Stock, Class B Common Stock, Preferred Stock and/or any other class or classes of capital stock of the Corporation (if any) representing in the aggregate more than fifty percent (50%) of the voting power of all
of the outstanding shares of 

  
 12 

 
capital stock of the Corporation entitled to vote; (2) the stockholders of the Corporation approve a plan of complete liquidation or dissolution of the Corporation or there is consummated a
transaction or series of related transactions for the sale, lease, exchange or other disposition, directly or indirectly, by the Corporation of all or substantially all of the Corporation’s assets (including a sale of all or substantially all
of the assets of GoHealth LLC); (3) there is consummated a merger or consolidation of the Corporation with any other corporation or entity, and, immediately after the consummation of such merger or consolidation, the voting securities of the
Corporation immediately prior to such merger or consolidation do not continue to represent, or are not converted into, voting securities representing more than fifty percent (50%) of the combined voting power of the outstanding voting securities of
the Person resulting from such merger or consolidation or, if the surviving company is a subsidiary, the ultimate parent thereof; or (4) the Corporation ceases to be the sole managing member of GoHealth LLC; provided, however,
that a “Change of Control” shall not be deemed to have occurred by virtue of the consummation of any transaction or series of related transactions immediately following which the beneficial owners of the Class A Common Stock,
Class B Common Stock, Preferred Stock and/or any other class or classes of capital stock of the Corporation immediately prior to such transaction or series of transactions continue to have substantially the same proportionate ownership in and
voting control over, and own substantially all of the shares of, an entity which owns all or substantially all of the assets of the Corporation immediately following such transaction or series of transactions. 

(g) “Control,” including the terms “controlling,” “controlled by” and
“under common control with,” means the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of a Person, whether through the ownership of voting stock, by contract
or otherwise. A Person who is the owner of 20% or more of the outstanding voting stock of any corporation, partnership, unincorporated association or other entity shall be presumed to have control of such entity, in the absence of proof by a
preponderance of the evidence to the contrary. Notwithstanding the foregoing, a presumption of control shall not apply where such Person holds voting stock, in good faith and not for the purpose of circumventing this section, as an agent, bank,
broker, nominee, custodian or trustee for one or more owners who do not individually or as a group have control of such entity. 
 (h)
“Exchange Act” means the U.S. Securities Exchange Act of 1934, as amended, and any applicable rules and regulations promulgated thereunder, and any successor to such statute, rules or regulations. 

(i) “Interested Stockholder” means any Person (other than the Corporation and any direct or indirect majority-owned
subsidiary of the Corporation) that (i) is the beneficial owner of fifteen percent (15%) or more of the outstanding shares of capital stock of the Corporation that are entitled to vote, or (ii) is an Affiliate of the Corporation and was
the beneficial owner of fifteen percent (15%) or more of the outstanding shares of capital stock of the Corporation that are entitled to vote at any time within the three-year period immediately prior to the date on which it is sought to be
determined whether such Person is an Interested Stockholder, and the Affiliates and Associates of such Person. Notwithstanding anything in this Article XIII to the contrary, the term “Interested Stockholder” shall not include:
(x) the Centerbridge Related Parties or any of their Affiliates or Associates, including any investment funds managed, directly or indirectly, by Centerbridge or any other Person with whom any of the foregoing are acting as a group or in

  
 13 

 
concert for the purpose of acquiring, holding, voting or disposing of shares of capital stock of the Corporation (y) the NVX Related Parties or any of their Affiliates or Associates,
including any investment funds managed, directly or indirectly, by NVX or any other Person with whom any of the foregoing are acting as a group or in concert for the purpose of acquiring, holding, voting or disposing of shares of capital stock of
the Corporation, or (z) any other Person who acquires voting stock of the Corporation directly from a Centerbridge Related Party or an NVX Related Party with prior approval of the Board of Directors, and excluding, for the avoidance of doubt,
any Person who acquires voting stock of the Corporation through a broker’s transaction executed on any securities exchange or other over-the-counter market or
pursuant to an underwritten public offering. 
 (j) “NVX” means NVX Holdings, Inc., a Delaware corporation. 

(k) “NVX Related Parties” means NVX and its Permitted Transferees. 

(l) “owner,” including the terms “own” and “owned,” when used with
respect to any stock, means a Person that individually or with or through any of its Affiliates or associates: 
 (i) beneficially owns
such stock, directly or indirectly; or 
 (ii) has (a) the right to acquire such stock (whether such right is exercisable immediately
or only after the passage of time) pursuant to any agreement, arrangement or understanding, or upon the exercise of conversion rights, exchange rights, warrants or options, or otherwise; provided, however, that a Person shall not be
deemed the owner of stock tendered pursuant to a tender or exchange offer made by such person or any of such Person’s Affiliates or associates until such tendered stock is accepted for purchase or exchange; or (b) the right to vote such
stock pursuant to any agreement, arrangement or understanding; provided, however, that a Person shall not be deemed the owner of any stock because of such Person’s right to vote such stock if the agreement, arrangement or
understanding to vote such stock arises solely from a revocable proxy or consent given in response to a proxy or consent solicitation made to ten or more Persons; or 

(iii) has any agreement, arrangement or understanding for the purpose of acquiring, holding, voting (except voting pursuant to a revocable
proxy or consent as described in item (b) of subsection (ii) above), or disposing of such stock with any other Person that beneficially owns, or whose Affiliates or associates beneficially own, directly or indirectly, such stock. 

(m) “Person” means, except as otherwise provided in the definition of “Change of Control”, any individual,
corporation, partnership, limited liability company, unincorporated association or other entity. 
 (n) “Securities
Act” means the U.S. Securities Act of 1933, as amended, and applicable rules and regulations promulgated thereunder, and any successor to such statute, rules or regulations. 

(o) “stock” means, with respect to any corporation, capital stock and, with respect to any other entity, any equity
interest. 

  
 14 

 (p) “voting stock” means stock of any class or series entitled to
vote generally in the election of directors and, with respect to any entity that is not a corporation, any equity interest entitled to vote generally in the election of the governing body of such entity. Every reference to a percentage of voting
stock shall refer to such percentages of the votes of such voting stock. 
 ARTICLE XIV. 

If any provision or provisions of this Certificate of Incorporation shall be held to be invalid, illegal or unenforceable as applied to any
Person or circumstance for any reason whatsoever, then, to the fullest extent permitted by law, the validity, legality and enforceability of such provisions in any other circumstance and of the remaining provisions of this Certificate of
Incorporation (including, without limitation, each portion of any sentence of this Certificate of Incorporation containing any such provision held to be invalid, illegal or unenforceable that is not itself held to be invalid, illegal or
unenforceable) and the application of such provision to other Persons and circumstances shall not in any way be affected or impaired thereby. 

ARTICLE XV. 
 This
Certificate of Incorporation shall be effective as of 12:10 a.m. ET on July 15, 2020. 

  
 15 

 IN WITNESS WHEREOF, the Corporation has caused this Certificate of Incorporation to be
signed on this July 14th, 2020. 
  

	
	 GOHEALTH, INC.

	
	 By: /s/ Clinton P.
Jones                                    

	 Name: Clinton P. Jones

	 Title:   Chief Executive Officer

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