Document:

EX-10.22

 Exhibit 10.22 
  

			
	

	  	General Services Agreement

 Terms and Conditions 
  

					
	Original Agreement Number:	  	YOD-33480	  	
			
	Restated Agreement Number:	  	CW529464	  	
			
	Effective Date:	  	June 5, 2007	  	
			
	Expiration Date:	  	December 31, 2014	  	
			
	Company Name:	  	Yodlee, Inc.	  	
			
	Company Address:	  	3600 Bridge Parkway	  	
		  	Redwood Shores, CA 94065	  	
			
	Company Telephone:	  	+1 (650) 980-3600	  	 

 This AMENDED AND RESTATED GENERAL SERVICES AGREEMENT (“Agreement”) is entered into as of May 12, 2014 by and
between Bank of America, N.A. (“Bank of America”), a national banking association, and the above-named Supplier, a Delaware corporation, and consists of this signature page and the attached Terms and Conditions, Schedules, and all other
documents attached hereto, which are incorporated in full by this reference. 
  

									
	 Yodlee, Inc.

(“Supplier”)
	 		 	Bank of America, N.A.
					
	By:	 	 /s/ Brad Beals
	 		 	By:	 	 /s/ Chandra Torrence

	Name:	 	 Brad Beals
	 		 	Name:	 	 Chandra Torrence

	Title:	 	 VP; Finance and Treasurer
	 		 	Title:	 	 SVP; Sourcing Manager

	Date:	 	 5/12/14
	 		 	Date:	 	 5/12/14

			
	Address for Notices:	 		 	Address for Notices:
	  
	 		 	 One Bank of America Center

	  
	 		 	 150 N College St

	  
	 		 	 Charlotte, NC 28255

	ATTN:	 	  
	 		 	ATTN:	 	Chandra Torrence and Agreement # CW529464
	Telephone:	 	  
	 		 	Telephone:	 	  

	Email:	 	  
	 		 	Email:	 	

 **** Certain information has been omitted and filed separately with the Securities and Exchange Commission. Confidential
treatment has been requested with respect to the omitted portions. 

  
 1 

			
	

	  	General Services Agreement

Terms and Conditions 
  

 Table of Contents 

 

							
	 1.0
	 	 DEFINITIONS
	  	 	3	  
	 2.0
	 	 SCOPE OF THE AGREEMENT
	  	 	5	  
	 3.0
	 	 RELATIONSHIP MANAGER
	  	 	6	  
	 4.0
	 	 TERM OF AGREEMENT
	  	 	6	  
	 5.0
	 	 TERMINATION
	  	 	6	  
	 6.0
	 	 PRICING/FEES
	  	 	8	  
	 7.0
	 	 INVOICES/TAXES/PAYMENT
	  	 	9	  
	 8.0
	 	 MUTUAL REPRESENTATIONS AND WARRANTIES
	  	 	10	  
	 9.0
	 	 REPRESENTATIONS AND WARRANTIES OF SUPPLIER
	  	 	10	  
	 10.0
	 	 FINANCIAL RESPONSIBILITY
	  	 	11	  
	 11.0
	 	 BUSINESS CONTINUITY
	  	 	11	  
	 12.0
	 	 RELATIONSHIP OF THE PARTIES
	  	 	11	  
	 13.0
	 	 SUPPLIER PERSONNEL
	  	 	11	  
	 14.0
	 	 INSURANCE
	  	 	13	  
	 15.0
	 	 CONFIDENTIALITY AND INFORMATION PROTECTION
	  	 	13	  
	 16.0
	 	 INDEMNITY
	  	 	17	  
	 17.0
	 	 LIMITATION OF LIABILITY
	  	 	19	  
	 18.0
	 	 SUPPLIER DIVERSITY
	  	 	19	  
	 19.0
	 	 ENVIRONMENTAL INITIATIVE
	  	 	20	  
	 20.0
	 	 AUDIT
	  	 	20	  
	 21.0
	 	 NON-ASSIGNMENT
	  	 	21	  
	 22.0
	 	 GOVERNING LAW
	  	 	22	  
	 23.0
	 	 DISPUTE RESOLUTION
	  	 	22	  
	 24.0
	 	 MEDIATION/ARBITRATION
	  	 	22	  
	 25.0
	 	 NON-EXCLUSIVE NATURE OF AGREEMENT
	  	 	23	  
	 26.0
	 	 OWNERSHIP OF WORK PRODUCT
	  	 	23	  
	 27.0
	 	 MISCELLANEOUS
	  	 	25	  
	 28.0
	 	 ENTIRE AGREEMENT
	  	 	27	  

  

			
	SCHEDULE A-1	  	SERVICE SPECIFICATIONS – AGGREGATION SERVICES
	SCHEDULE A-2	  	SERVICE SPECIFICATIONS – MFP SERVICES
	SCHEDULE A-3	  	SERVICE SPECIFICATIONS – IAV SERVICES
	SCHEDULE A-4	  	SERVICE SPECIFICATIONS – DATA EXTRACT SERVICES
		
	SCHEDULE B-1	  	SERVICE FEES – AGGREGATION SERVICES
	SCHEDULE B-2	  	SERVICE FEES – MFP SERVICES
	SCHEDULE B-3	  	SERVICE FEES – IAV SERVICES
	SCHEDULE B-4	  	SERVICE FEES – DATA EXTRACT SERVICES
		
	SCHEDULE C-1	  	PERFORMANCE MEASUREMENTS – AGGREGATION SERVICES
	SCHEDULE C-2	  	PERFORMANCE MEASUREMENTS – MFP SERVICES
	SCHEDULE C-3	  	PERFORMANCE MEASUREMENTS – IAV SERVCIES
		
	SCHEDULE D	  	INFORMATION SECURITY
	SCHEDULE E	  	BACKGROUND CHECKS
	SCHEDULE F-1	  	RECOVERY – AGGREGATION SERVICES
	SCHEDULE F-2	  	RECOVERY – MFP SERVICES
	SCHEDULE G	  	FORM STATEMENT OF WORK
	SCHEDULE H	  	IP INFRINGEMENT LITIGATION
	SCHEDULE I	  	SOURCE CODE ESCROW

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	General Services Agreement

Terms and Conditions 
  

 WHEREAS, Bank of America and Supplier entered into a certain General Services Agreement,
dated June 5, 2007 and thereafter amended (the “Original GSA”), pursuant to which Supplier provides certain services to Bank of America; 

WHEREAS, the parties desire to restate and amend the Original GSA as set forth in this Agreement; 

NOW THEREFORE, in consideration of the foregoing and the mutual agreements herein set forth, it is hereby agreed to as follows: 

 

	
	
1.0        DEFINITIONS

 All capitalized terms in this Agreement not otherwise defined in this Section shall have the meanings set forth
in the Sections or Schedules of this Agreement in which they are defined. 
 1.1 Affiliate – a business entity now or
hereafter controlled by, controlling or under common control with a Party. Control exists when an entity owns or controls directly or indirectly 50% or more of the outstanding equity representing the right to vote for the election of directors or
other managing authority of another entity. 
 1.2 Aggregation Service – the Services described on SCHEDULE A-1 hereto.

 1.3 Bank Materials – all materials that Bank of America provides to Supplier for Supplier’s use for the sole
purpose of providing Services to Bank of America. Supplier shall only use the Bank Materials as expressly permitted by Bank of America, and only in connection with the specific Service for which Bank of America provides such materials to Supplier.

 1.4 Bank of America Content – certain materials provided by Bank of America to Supplier for Supplier’s use
hereunder, which include, without limitation, computer software (in object or source code form), script, programming code, data, information, HTML code, trademarks, service marks, images, illustrations, graphics, multimedia files and/or text
generated in a form or media. For avoidance of doubt, Bank of America Content, for purposes of the Section entitled “Indemnity” shall not include any Bank of America Customizations. 

1.5 Bank Security Requirements – all bank security requirements as described in SCHEDULE D and the Bank of America
Supplier Security Controls document provided separately. 
 1.6 Business Continuity Plan – the policies and procedures
that describe contingency plans, recovery plans, and proper risk controls to ensure Supplier’s continued performance under this Agreement. 

1.7 Business Day – Monday through Friday, excluding days on which Bank of America is not open for business in the United
States of America. 
 1.8 Consumer Information – any record about an individual, whether in paper, electronic, or other
form, that is a consumer report as such term is defined in the Fair Credit Reporting Act (15 USC 1681 et seq.) or is derived from a consumer report and that is maintained or otherwise possessed by or on behalf of Bank of America for a business
purpose. Consumer Information also means a compilation of such records. The term does not include any record that does not identify an individual. 

1.9 Customer Information – any record containing information about a customer, its usage of Bank of America’s
services, or about a customer’s accounts, whether in paper, electronic, or other form that is maintained by or on behalf of Bank of America for a business purpose. 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	General Services Agreement

Terms and Conditions 
  

 1.10 Documentation – documentation for products and services provided
by Supplier under this Agreement. 
 1.11 Information Security Program – the documents that describe how Supplier will
provide Services to Bank of America in a manner that complies with the confidentiality and information security requirements of this Agreement and all pertinent Schedules and Exhibits hereto. Such information security program must be approved by
Supplier’s board of directors or equivalent executive management prior to the effective date thereof and annually thereafter. It must describe Supplier’s network infrastructure and security procedures and controls that protect Confidential
Information on a basis that meets or exceeds the Bank Security Requirements. 
 1.12 Intellectual Property Rights – all
intellectual property rights throughout the world, including copyrights, patents, mask works, trademarks, service marks, trade secrets, inventions (whether or not patentable), know how, authors’ rights, rights of attribution, and other
proprietary rights and all applications and rights to apply for registration or protection of such rights. 
 1.13 Order
– Statement of Work, purchase order, work order or other written instrument executed, or electronic transmissions originated by, an authorized officer of Bank of America Supply Chain Management directing Supplier in the provision of Services
substantially conforming to a form provided to Supplier by Bank of America. 
 1.14 Party – Bank of America or
Supplier. 
 1.15 Records – documentation of facts that include normal and customary documentation of facts or events
for an industry, specific deliverables as designated, emails determined to be “records” because of the business or litigation purpose, any records documenting legal, regulatory, fiscal, or administrative requirements. 

1.16 Relationship Manager – the employee designated by a Party to act on its behalf with regard to matters arising under
this Agreement who shall be the person the other Party shall contact in writing regarding matters concerning this Agreement. 

1.17 Representative – an employee, officer, director, or agent of a Party. 

1.18 Services – the services as described in SCHEDULE A (and any services as may be set forth on any subsequent or
similar product or service SCHEDULE) to this Agreement or any Order, including without limitation all professional, management, labor and general services, together with any materials, supplies, tangible items or other goods Supplier furnishes in
connection with such services. 
 1.19 Statement of Work (“SOW”) – a document setting forth services to be
provided by Supplier, and the fees for such services, in substantially the form attached hereto as SCHEDULE G. 
 1.20
Subcontractor – a third party to whom Supplier has delegated or subcontracted any portion of its obligations set forth herein. 

1.21 Supplier Security Controls – those controls implemented by Supplier as part of its Information Security Program that
address each of the Bank Security Requirements, as modified from time to time. 
 1.22 Supplier Technology – means the
following and all Intellectual Property rights therein: (a) technology, software, processes and inventions owned by Supplier as of the date hereof; and (b) any Supplier owned product, software or equipment utilized by Supplier to perform
the Services to the extent that Bank of America did not otherwise acquire such items from Supplier pursuant to a separate written instrument executed by Supplier; and (c) any enhancements, modifications, derivations, improvements, fixes,
upgrades and 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	General Services Agreement

Terms and Conditions 
  

 
updates to the items set forth in (a) and (b) (to the extent that Bank of America did not otherwise acquire such enhancements, modifications, derivations, improvements, fixes, upgrades
and updates from Supplier pursuant to a separate written instrument executed by Supplier). 
 1.23 Term – the initial
term of the Agreement or any renewal or extension. 
 1.24 Work Product – all information, data, materials,
discoveries, inventions, drawings, works of authorship, documents, documentation, models, software, computer programs, software (including source code and object code), firmware, designs, specifications, processes, procedures, techniques,
algorithms, diagrams, methods, and all tangible embodiments of each of the foregoing (in whatever form and media) and all Intellectual Property Rights therein originated or prepared by or for Supplier at the request of Bank of America as part of the
Services provided under this Agreement, whether or not prepared on Bank of America’s premises. Work Product shall not include any Supplier Technology. 
  

	
	
2.0        SCOPE OF THE AGREEMENT

 2.1 Supplier shall perform the Services described on each serially-numbered SCHEDULE A (e.g.
“SCHEDULE A”, “SCHEDULE A-1”, “SCHEDULE A-2”) and any Statement(s) of Work hereunder in accordance with this Agreement and the service levels, specifications and timeframes set forth in serially-numbered SCHEDULE
A’s and in accordance with performance measurements in serially-numbered SCHEDULE C’s (e.g. “SCHEDULE C”, SCHEDULE C-1”, “SCHEDULE C-2”) (Performance Measurements) or any Statement of Work. For example, the
Aggregation Service will be provided under the terms of SCHEDULE A-1 and SCHEDULE C-1. 
 2.2 Unless the Parties otherwise
agree in writing, all Services provided hereunder shall be processed and/or provided, whether in part or in whole, by Supplier, its employees, Representatives and/or Subcontractors on and from a location or locations in one (1) or more of the
fifty (50) states of the United States of America and India only, all subject to applicable laws and regulations. Supplier production environment(s) hosting Bank of America data shall only be physically located within the fifty (50) states
of the United States of America and Supplier. In addition, Supplier agrees that neither it nor its Subcontractors shall (a) host any Customer Information or Consumer Information outside of the United States of America, or (b) access any
Customer Information or Consumer Information outside of the United States of America that contains any non-publicly available personally identifiable information concerning such customers, consumers or other persons. In no event shall Supplier or
its Subcontractors access, view or store outside the United States any information provided by Bank of America, its Affiliates or their Representatives concerning non-U.S. based customers or persons. 

2.3 To the extent available, all Documentation will be provided in printed and electronic formats. Bank of America may use and
reproduce for internal purposes all Documentation furnished by Supplier, including displaying the documentation on Bank of America’s intranet or other internal electronic distribution system for use only by Representatives and third party
contractors of Bank of America and its Affiliates with a need to know for the purposes of this Agreement. 
 2.4 All
instruments, such as Orders, acknowledgments, invoices, schedules and the like used in conjunction with this Agreement (“Instruments”) shall be for the sole purpose of defining quantities, prices and describing Services or products to be
provided hereunder, and to this extent only are incorporated as a part of this Agreement. Any preprinted terms and conditions included in Instruments shall not be incorporated and such Instrument shall be construed to modify, amend, or alter the
terms of this Agreement solely for the purpose stated in the preceding sentence. Preprinted, standard, or posted terms and conditions in any media (including terms where acquiescence requires only a mouse click) shall not be incorporated into nor
construed to amend the terms of this Agreement. Any Instrument submitted to Bank of America by Supplier in connection with this Agreement shall reference, as applicable, Order number and Agreement number. 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	General Services Agreement

Terms and Conditions 
  

 2.5 Supplier shall deliver to Bank of America and keep current a list of
persons and telephone numbers (“Calling List”) for Bank of America to contact in order to obtain answers to questions related to the Services set out in the Statement of Work. The Calling List shall include (1) the first person to
contact if a question arises or problem occurs and (2) the persons in successively more responsible or qualified positions to provide the answer or assistance desired. If Supplier does not respond promptly to any request by Bank of America for
telephone consultative service, then Bank of America may attempt to contact the next more responsible or qualified person on the Calling List until contact is made and a designated person responds to the call. 

2.6 Supplier expressly acknowledges and agrees that the rights of Bank of America set forth in this Agreement shall inure to
all Bank of America Affiliates, provided that Bank of America shall be responsible for the obligations of its Affiliates under this Agreement. 
  

	
	
3.0        RELATIONSHIP MANAGER

 3.1 Each Party shall designate an employee Relationship Manager(s) to act on its behalf with
regard to matters arising under this Agreement and shall notify the other Party in writing of the name of its Relationship Manager; however, the Relationship Manager shall have no authority to alter or amend any term, condition, or provision of this
Agreement. Either Party may change its Relationship Manager(s) by providing the other Party prior written notice. The Relationship Manager must be identified in a writing delivered to the other Party at least one (1) week prior to the
commencement of any work under this Agreement. 
 3.2 The Relationship Manager(s) shall meet via conference call with such
frequency as Bank of America’s Relationship Manager(s) shall reasonably request Bank of America may require meetings in person at a site designated by Bank of America. 
  

	
	
4.0        TERM OF AGREEMENT

 This Agreement shall be in effect from the Effective Date through the Expiration Date indicated on the signature page
(“Initial Term”) unless terminated earlier or extended under the terms of this Agreement. Bank of America shall have the right to extend this Agreement for an additional twelve (12) month(s) (“Renewal Term”) by giving
Supplier written notice of its intent at least thirty (30) calendar days prior to the end of the Initial Term or any Renewal Term. If Bank of America does not notify Supplier of its intent to renew or terminate this Agreement, the Agreement
shall continue in effect on a month-to-month basis, at the prices in effect in the applicable serially-numbered SCHEDULE B, for the Term just expired, until terminated by either Party upon at least one hundred and twenty (120) calendar days
prior written notice to the other. 
  

	
	
5.0        TERMINATION

 5.1 Bank of America may terminate this Agreement (or any Schedule or Order hereunder), at any
time for its convenience, without cause, upon at least forty-five (45) calendar days prior written notice to Supplier; provided, however, that in the case of such a termination of this Agreement (or any Schedule or Order hereunder) Bank of
America shall thereupon pay on the effective date of such termination any accrued but unpaid amounts then due and owing under this Agreement and/or with respect to the applicable terminated Schedule or Order, including in the case of termination of
this Agreement in its entirety, or SCHEDULE A-1 hereof, any remaining unpaid Minimum Commitment Payments set forth, and defined, in Section 6.5 hereof. 

5.2 In addition to any other remedies available to either Party, upon the occurrence of a Termination Event (as defined below)
with respect to either Party, the other Party may immediately terminate this Agreement (and/or the applicable Schedule or Order under this Agreement) by providing written notice of termination. A Termination Event shall have occurred if: (a) a
Party materially breaches its obligations under this Agreement (and/ or a Schedule or Order under this Agreement), and the breach is not cured within thirty (30) calendar days after written notice of the breach and intent to terminate is
provided by the other Party; (b) a Party 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	General Services Agreement

Terms and Conditions 
  

 
becomes insolvent (generally unable to pay its debts as they become due) or the subject of a bankruptcy, conservatorship, receivership or similar proceeding, or makes a general assignment for the
benefit of its creditors; (c) subject to Section 5.3 hereof, Supplier either: (i) merges, combines or consolidates with another entity (other than an Affiliate) to which Bank of America reasonably objects such that following such
merger, combination or consolidation the holders of the equity securities of the Supplier immediately prior to such merger do not hold equity securities of the surviving entity which would constitute control of the surviving entity (as control is
determined in accordance with the definition of Affiliate herein), (ii) suffers a transfer involving fifty percent (50%) or more of any class of its voting securities to another entity (other than to an Affiliate) to which Bank of America
reasonably objects or (iii) transfers all, or substantially all, of its assets to another entity (other than to an Affiliate) to which Bank of America reasonably objects (provided, that, in connection with any such asset transfers to an
Affiliate, such transfers must not render Supplier unable to fulfill its obligations, or to satisfy its liabilities, set forth herein or otherwise violate any legal prohibitions on fraudulent conveyances); (d) in providing Services hereunder,
Supplier violates any applicable law or regulation governing the financial services industry, or Supplier causes Bank of America to be in violation of any law or regulation governing the financial services industry; (e) a Party attempts to
assign this Agreement in breach of the Section entitled “Non-Assignment”; or (f) a regulatory body having oversight authority over Bank of America or its Affiliates requires Bank of America to terminate the Agreement or make changes
to the Agreement to which Supplier refuses to consent. 
 5.3 Notwithstanding Section 5.2(c): 

(a) Supplier may request a waiver to the operation of the provisions of Section 5.2(c)(i)-(ii) in the event the Supplier is to merge,
combine, consolidate or transfer its securities in a manner that violates Section 5.2(c) by providing written notice to Bank of America within a reasonable time in advance of the proposed consummation date of such merger, combination,
consolidation or transfer and Bank of America shall act reasonably and in good faith in determining whether to consent to such waiver request. Bank of America may reasonably request financial information concerning the parties to such transaction
and other information it reasonably deems necessary to determine whether to grant such waiver. For avoidance of doubt, the Supplier acknowledges and agrees that a refusal to grant a waiver shall not be deemed to be unreasonable or in bad faith with
respect to a merger, consolidation or combination with, or transfer to, (i) another bank, financial institution or any other entity whom Bank of America views in good faith as a competitor or (ii) any entity whom Bank of America in good
faith believes to be unable (A) to provide the Services in a manner that meets the quality expectations of Bank of America or (B) to otherwise fulfill the Supplier’s obligations set forth herein. The foregoing sentence is not intended
to limit Bank of America’s right to reasonably withhold consent to any other merger, combination, consolidation or transfer. 
 (b) An
initial public offering of Supplier’s equity securities pursuant to a registration statement filed under the Securities Act of 1933, as amended, shall not be deemed a “transfer” of securities. 

5.4 In the event of expiration or termination of this Agreement (or a Schedule or Order under this Agreement), Supplier agrees
that upon the request of Bank of America, Supplier will, at no additional cost to Bank of America (other than the fees set forth on in the applicable Schedule or Order), continue, subject to the terms and conditions of this Agreement (and the
applicable Schedule or Order), uninterrupted operations, conclude and cooperate with Bank of America in the transition of the business at Bank of America’s direction and in a manner that causes no material disruption to Bank of America business
and operations. The fees associated with such transition shall be in accordance with the fees in effect at the expiration or termination of this Agreement or applicable Schedule or Order. In no event shall the transition services extend more than
two years from the date of termination unless the Parties otherwise agree in writing. Reimbursement of all extraordinary costs and expenses incurred outside of the Agreement terms and conditions will be agreed upon by Supplier and Bank of America in
writing prior to their incurrence. 
 5.5 The rights and obligations of the Parties which by their nature must survive
termination or expiration of this Agreement in order to achieve its fundamental purposes including, without limitation, the provisions of the following Sections entitled “TERMINATION”, “INVOICES/TAXES/PAYMENT”, “AUDIT,”
“CONFIDENTIALITY AND INFORMATION PROTECTION,” “INDEMNITY,” “LIMITATION OF LIABILITY,” “GOVERNING LAW”, “MEDIATION/ARBITRATION,” “OWNERSHIP OF WORK PRODUCT” and “MISCELLANEOUS”
shall survive in perpetuity any termination of this Agreement. 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	General Services Agreement

Terms and Conditions 
  

	
	
6.0        PRICING/FEES

 6.1 Subject to Section 6.2 hereof, Bank of America shall pay Supplier for Services
provided under this Agreement as set forth in serially-numbered SCHEDULE B’s (Service Fees) (e.g. “SCHEDULE B”, “SCHEDULE B-1”, “SCHEDULE B-2”). For example, SCHEDULE B-1 specifies the Services Fees for the
Aggregation Services. 
 6.2 Bank of America shall not be required to pay for Services that are not requested by Bank of
America and documented in an Order. Fees for additional Services not listed in a serially-numbered SCHEDULE B shall be as mutually agreed in writing between Bank of America and Supplier prior to performance. No fees for additional Services shall be
due unless such Services and fees are agreed to in writing by Bank of America prior to Supplier’s performance thereof. 

6.3 INTENTIONALLY OMITTED. 

6.4 [****]. 

6.5 Commencing January 1, 2012, for each of the following calendar quarters, Bank of America shall pay to Yodlee the
following minimum amounts for Subscription, License, Maintenance, Data Resource, Data Support and Monthly Active User fees collectively performed under SCHEDULES A-1 and A-2 during that quarter (the “Minimum Quarterly Payments”): 

 

					
	 Calendar Quarter
	  	Minimum Quarterly Payment	 
	 For 2012
	  	 	[****	] 
	 For 2013
	  	 	[****	] 
	 For 2014
	  	 	[****	] 

 6.6 In its invoices for Services for the last month of each calendar quarter
(i.e., Services for each applicable March, June, September, and December), Yodlee will invoice Bank of America for, and Bank of America shall pay Yodlee, (i) the Subscription, License, Maintenance, Data Resource, Data Support and
Monthly Active User fees actually accrued under SCHEDULES B-1 and B-2 for that month and (ii) if such fees actually accrued under those schedules for that quarter are less than the applicable Minimum Quarterly Payment for the quarter, the
difference between that Minimum Quarterly Payment and the actual accrued fees for that quarter. Minimum Quarterly Payments are not refundable or creditable against any other payment (including without limitation against Services fees for any other
quarter or against fees for any Services other than those financial aggregation Services set forth under SCHEDULES A-1 and A-2). Services fees exceeding the above minimum for any quarter shall not be creditable against the minimum for the next or
any other quarter. 
 6.7 Bank of America shall have no obligation to pay any Minimum Quarterly Payments following a
termination of this Agreement and/or SCHEDULE A-1 if such termination is made by Bank of America pursuant to Section 5.2 of the Agreement. Notwithstanding the foregoing, if, pursuant to Section 5.1 of the Agreement, Bank of America’s
terminates either the Agreement in whole and/or SCHEDULE A-1 Bank of America shall be obligated to pay Yodlee, within thirty (30) days following such termination, [****] less any Minimum Quarterly Payments already paid to Yodlee (the
“Termination Payment”), which payment shall not be refundable or creditable against any other payment. For avoidance of doubt, following such Termination Payment, Bank of America shall have no further obligation with respect to Minimum
Quarterly Payments. 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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Terms and Conditions 
  

 6.8 The Minimum Quarterly Payments shall be subject to reduction by any
service credit amounts specified on the relevant SCHEDULE C for service level failures. 
 6.9 Overuse of SDK and SDK
Service. In the event that Company’s use of the SDK and SDK Service exceeds the licensed uses detailed on the applicable serially-numbered SCHEDULE A (e.g. to create and operate unlicensed applications) (“Overuse”), Bank of
America shall (a) immediately pay Supplier its current list price for all such Overuse; and (b) promptly enter into a written agreement with Supplier granting such additional usage rights. 

 

	
	
7.0        INVOICES/TAXES/PAYMENT

 7.1 Supplier shall submit monthly invoices to the address set forth on the signature page.
Bank of America requires Supplier to bill for Services and tangible personal property separately. Bank of America also requires Supplier to include, on the face of the invoice, the “ship to” address for any purchase of tangible personal
property and the location where the Services are performed. Bank of America requires Suppliers to accept payment through electronic media and reserves the right to require invoicing through electronic transmission designated by Bank of America at
any time upon reasonable prior written notice. Invoices shall contain such detail as Bank of America may reasonably require from time to time. Amounts shall be invoiced promptly after the Services performed or Work Product delivered. Amounts not
invoiced by Supplier to Bank of America within three (3) months after such amounts could first be invoiced under this Agreement may not thereafter be invoiced, and Bank of America shall not be required to pay such amounts. 

7.2 The items listed on Supplier’s invoice must appear in the same sequence as listed on the Order. 

7.3 Invoices omitting this Agreement reference number and Order number if applicable, or that are incorrect, incomplete or
list Services that were not requested in writing by Bank of America will not be paid but will be returned to Supplier for correction. 

7.4 Bank of America shall pay Supplier for all Services and applicable taxes invoiced in arrears in accordance with the terms
of this Agreement, within thirty (30) calendar days of the date of receipt of a valid invoice by Bank of America. 

7.5 Invoices shall include and list all applicable sales, use, or excise taxes that are a statutory obligation of Bank of
America as separate line items. Bank of America will reimburse Supplier for all sales, use or excise taxes levied in accordance with the general statutes or other authoritative directives of the taxing authority on amounts payable by Bank of America
to Supplier pursuant to this Agreement; however, Bank of America shall not be responsible for remittance of such taxes to applicable tax authorities. 

7.6 Bank of America shall not be responsible for any ad valorem, income, gross receipts, franchise, privilege, value added or
occupational taxes of Supplier. Bank of America and Supplier shall each bear sole responsibility for all taxes, assessments and other real or personal property-related levies on its owned or leased real or personal property. The Supplier must ensure
that the business personal property tax exemption granted to financial institutions by California, Missouri, Virginia, Maryland, South Carolina, or other states is properly applied. 

7.7 Supplier shall be responsible for the payment of all interest and penalties related to any taxes assessed or levied as
contemplated by Section 7.5 to the extent that Supplier fails to accurately and timely invoice Bank of America for such taxes and remit such taxes directly to the applicable taxing authority; provided, however, in no event shall Supplier be
responsible for the payment of the underlying tax liability, which tax liability shall always be a liability of Bank of America. 

7.8 Supplier shall fully cooperate with Bank of America’s efforts to identify taxable and nontaxable portions of amounts
payable pursuant to this Agreement (including segregation of such portions on 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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invoices) and to obtain refunds of taxes paid, where appropriate. Bank of America may furnish Supplier with certificates or other evidence supporting applicable exemptions from sales, use or
excise taxation. If Bank of America pays or reimburses Supplier under this Section, Supplier hereby assigns and transfers to Bank of America all of its right, title and interest in and to any refund for taxes paid. Any claim for refund of taxes
against the assessing authority may be made in the name of Bank of America or Supplier, or both, at Bank of America’s option. Bank of America may initiate and manage litigation brought in the name of Bank of America or Supplier, or both, to
obtain refunds of amounts paid under this Section. Supplier shall cooperate fully with Bank of America in pursuing any refund claims, including any related litigation or administrative procedures. 

7.9 Supplier shall keep and maintain complete and accurate accounting Records in accordance with generally accepted accounting
principles consistently applied to support and document all amounts becoming payable to Supplier hereunder. Upon request from Bank of America and within a reasonably prompt time after such request, Supplier shall provide to Bank of America (or a
representative designated by Bank of America) access to such Records for the purpose of auditing such Records during normal business hours. Supplier shall retain all Records required under this Section in accordance with the Section entitled
“Audit” of this Agreement, after the amounts documented in such Records become due. 
  

	
	
8.0        MUTUAL REPRESENTATIONS AND WARRANTIES

 Each Party represents and warrants the following: (a) the Party’s execution, delivery and performance
of this Agreement: (i) have been authorized by all necessary corporate action, (ii) do not violate the terms of any law, regulation, or court order to which such Party is subject or the terms of any material agreement to which the Party or
any of its assets may be subject and (iii) are not subject to the consent or approval of any third party; (b) this Agreement is the valid and binding obligation of the representing Party, enforceable against such Party in accordance with
its terms; and (c) such Party is not subject to any pending or threatened litigation or governmental action which could interfere with such Party’s performance of its obligations hereunder. 

 

	
	
9.0        REPRESENTATIONS AND WARRANTIES OF SUPPLIER

 9.1 In rendering its obligations under this Agreement, without limiting other applicable
performance warranties, Supplier represents and warrants to Bank of America as follows: (a) Supplier is in good standing in the state of its incorporation and is qualified to do business as a foreign corporation in each of the other states in
which it is providing Services hereunder; and (b) Supplier shall secure or has secured all permits, licenses, regulatory approvals and registrations required to render Services set forth herein, including without limitation, registration with
the appropriate taxing authorities for remittance of taxes. 
 9.2 Supplier represents and warrants that it shall perform
the Services in a timely and professional manner using competent personnel having expertise suitable to their assignments. Supplier represents and warrants that the Services shall conform to or exceed, in all material respects, the specifications
described herein, as well as the standards generally observed in the industry for similar services. Supplier represents and warrants that neither performance nor functionality of the Services, products or systems is or will be affected by dates
prior to, during and after the year 2000. Supplier represents and warrants that Services supplied hereunder shall be free of defects in workmanship, design and material. Supplier represents and warrants that the products, Work Product and Services
furnished under this Agreement do not and shall not infringe, misappropriate or otherwise violate any Intellectual Property Rights or any other rights of any third party, except to the extent such infringement, misappropriation or violation results
from Bank of America’s unauthorized modification of the Work Product or Services, from use of the Work Product or Services in a manner for which the Work Product or Services are not designed, from incorporation of the Work Product or Services
with products not approved by Supplier, or from Bank of America Content. 
 9.3 As of this Amended and Restated Agreement,
there are no actions, suits or proceedings pending, or to the knowledge of Supplier threatened, against Supplier alleging infringement, misappropriation or other violation of any Intellectual Property Rights related to any product, Work Product or
Service contemplated by this Agreement that have not already been disclosed to Bank of America on 

  
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omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE H hereto. For avoidance of doubt, such disclosures shall in no way limit the indemnity obligations of Supplier under the Section entitled “INDEMNITY”, nor shall they constitute
any admission by Supplier of the validity of any such allegations. This representation shall be deemed made with respect to any new Work Product or new Service at the date such new Work Product or Service is first delivered to Bank of America. 

9.4 Supplier shall, and shall be responsible for ensuring that Supplier’s Representatives and Subcontractors shall,
perform all obligations of Supplier under this Agreement in compliance with all laws, rules, regulations and other legal requirements. 

9.5 THE WARRANTIES CONTAINED IN THIS AGREEMENT ARE IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT
LIMITED TO THOSE OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. 
  

	
	
10.0      FINANCIAL RESPONSIBILITY

 Upon Bank of America’s request, Supplier shall promptly furnish its financial statements as prepared by or
for Supplier in the ordinary course of its business for the purpose of determining Supplier’s ability to perform its duties hereunder. To the extent such financial statements are not otherwise publicly available, they shall be deemed Supplier
Confidential Information and shall be used by Bank of America solely for the purpose of determining Supplier’s ability to perform its duties hereunder. If Bank of America’s review of financial statements causes Bank of America to question
Supplier’s ability to perform its duties hereunder, Bank of America may request, and Supplier shall provide to Bank of America, reasonable assurances of Supplier’s ability to perform its duties hereunder. Failure by Supplier to provide
such reasonable assurances to Bank of America shall be deemed a material breach of this Agreement. Furthermore, Supplier shall notify Bank of America immediately in the event there is a change of control or material adverse change in Supplier’s
business or financial condition since the Effective Date. 
  

	
	
11.0      BUSINESS CONTINUITY

 Supplier agrees to establish, maintain and implement per the terms thereof a Business Continuity Plan. The
Business Continuity Plan must be in place and delivered to Bank of America within forty-five (45) calendar days after the Effective Date of this Agreement and on each anniversary date of the Effective Date thereafter and shall include, but not
be limited to, the items called for in the relevant SCHEDULE F entitled “Recovery,” as applicable. If Bank of America objects in writing to any provision of such plans and controls, Supplier shall respond in writing within thirty
(30) calendar days, explaining, among other matters Supplier wishes to include in its response, the actions Supplier intends to take to cure Bank of America’s objection. 

 

	
	
12.0      RELATIONSHIP OF THE PARTIES

 The Parties are independent contractors. Nothing in this Agreement or in the activities contemplated by the
Parties hereunder shall be deemed to create an agency, partnership, employment or joint venture relationship between the Parties or any of their Subcontractors or Representatives. 

 

	
	
13.0      SUPPLIER PERSONNEL

 13.1 Bank of America shall provide Supplier, if necessary and at a mutually agreed upon time,
reasonable access to Bank of America to provide its Services, subject to the existing security regulations at Bank of America. 

13.2 Supplier’s personnel are not eligible to participate in any of the employee benefit or similar programs of Bank of
America. Supplier shall inform all of its personnel providing Services pursuant to this Agreement that they will not be considered employees of Bank of America for any purpose, and that Bank of America shall not be liable to any of them as an
employer for any claims or causes of action arising out of or relating to their assignment. 

  
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omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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 13.3 Upon the request of Bank of America, Supplier shall immediately remove
any of Supplier’s Representatives or Subcontractors performing Services under this Agreement and replace such Representative or Subcontractor as soon as practicable. Upon the request of Bank of America, Supplier shall promptly, and after
consultation with Bank of America, address any concerns or issues raised by Bank of America regarding any of Supplier’s Representatives or Subcontractors performing Services under this Agreement at premises other than Bank of America premises,
which may include, as appropriate, replacing such Representative or Subcontractor from the Bank of America account. 
 13.4
The engagement of a Subcontractor by Supplier shall be subject to Bank of America’s prior written consent if the Subcontractor will have access to Bank of America facilities or systems, Representatives or customers of Bank of America or
Confidential Information of Bank of America or will otherwise be performing any material portion of any Services to be rendered to Bank of America hereunder. Such consent shall not be unreasonably withheld, but such consent shall not relieve
Supplier of any of its obligations under this Agreement. Supplier shall be responsible for the performance or nonperformance of its Subcontractors as if such performance or nonperformance were that of Supplier. Supplier shall require all
Subcontractors, as a condition to their engagement, to agree to be bound by provisions substantially the same as those included in this Agreement particularly the Sections entitled “Supplier Personnel,” “Confidentiality and
Information Protection,” and “Audit” and “Business Continuity.” 
 13.5 Supplier shall comply and
shall cause its Representatives and Subcontractors to comply with all personnel, facility, safety and security policies, rules and regulations and other instructions of Bank of America, when performing work at a Bank of America facility or accessing
any Bank of America systems or data, and shall conduct its work at Bank of America facilities or on Bank of America systems in such a manner as to avoid endangering the safety, or interfering with the convenience of, Bank of America Representatives
or customers. Supplier understands that Bank of America operates under various laws and regulations that are unique to the security-sensitive banking industry. As such, persons engaged by Supplier to provide Services under this Agreement are held to
a higher standard of conduct and scrutiny than in other industries or business enterprises. Supplier agrees that its Representatives and Subcontractors providing Services hereunder shall possess appropriate character, disposition and honesty.
Supplier shall, to the extent permitted by law, exercise reasonable and prudent efforts to comply with the security provisions of this Agreement. 

13.6 Supplier shall not knowingly permit a Representative or Subcontractor to have access to the Confidential Information,
premises, records or data of Bank of America when such Representative or Subcontractor: (a) has been convicted of a crime or has agreed to or entered into a pretrial diversion or similar program in connection with: (i) a dishonest act or a
breach of trust, as set forth in Section 19 of the Federal Deposit Insurance Act, 12 U.S.C. 1829(a); or (ii) a felony; or (b) uses illegal drugs. Notwithstanding anything in this Agreement to the contrary, Supplier shall conduct at
its expense background checks on its employees and those of its Subcontractors who will have access (whether physical, remote, or otherwise and whether on or off Bank of America premises) to Bank of America facilities, equipment, systems or data and
such background checks shall comply with Bank of America procedures and requirements as set forth in SCHEDULE E to this Agreement and updated in writing delivered to Supplier from time to time, subject to applicable laws. Supplier shall report to
Bank of America on background checks done, in accordance with the requirements of SCHEDULE E and prior to such employee being granted such access. 

13.7 Supplier represents that it maintains comprehensive hiring policies and procedures which include, among other things, a
background check for criminal convictions, and if requested by Bank of America, drug testing, to the extent permitted by law. Supplier further represents that through its hiring policies and procedures including background checks, it endeavors to
hire the best candidates with appropriate character, disposition, and honesty. In the event that Supplier employs non-U.S. citizens to provide Services hereunder, Supplier shall ensure that all such persons have and maintain appropriate visas to
enable them to provide the Services. 

  
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omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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 13.8 Bank of America shall notify Supplier of any act of dishonesty or
breach of trust committed against Bank of America, which may involve a Supplier Representative, or Subcontractor of which Bank of America becomes aware, and Supplier shall notify Bank of America if it becomes aware of any such offense. Following
such notice, at the request of Bank of America and to the extent permitted by law, Supplier shall cooperate with investigations conducted by or on behalf of Bank of America. 
  

	
	
14.0      INSURANCE

 14.1 Supplier shall at its own expense secure and maintain, and shall require its
Subcontractors to secure and maintain, throughout the Term, the following insurance with companies qualified to do business in the jurisdiction in which the Services will be performed and rating A-VII or better in the current Best’s
Insurance Reports published by A. M. Best Company and shall, within thirty (30) calendar days of the Effective Date and prior to commencing work, furnish to Bank of America certificates and required endorsements evidencing such insurance.
Bank of America shall be named as an “Additional Insured” to the coverages described in Sections 14.1.2 and 14.1.4 below. The certificates shall state the amount of all deductibles and shall contain evidence that the policy or
policies shall not be canceled or materially altered without at least thirty (30) calendar days prior written notice to Bank of America. The insurance coverages and limits required to be maintained by Supplier and its Subcontractors shall be
primary to insurance coverage, if any, maintained by Bank of America. 
  

	 	14.1.1	Worker’s Compensation Insurance which shall fully comply with the statutory requirements of all applicable state and federal laws. Employers’ Liability Insurance which limit shall be [****] per accident for
Bodily Injury and [****] per employee/aggregate for disease. Supplier and its Subcontractors and their underwriters shall waive subrogation against Bank of America and shall cause their insurer(s) to waive subrogation against Bank of America.

  

	 	14.1.2	Commercial General Liability Insurance with a minimum combined single limit of liability of [****] per occurrence and [****] aggregate for bodily injury, death, property damage and personal injury. This policy shall
include products/completed operations coverage and shall also include contractual liability coverage. 

  

	 	14.1.3	Business Automobile Liability Insurance covering all hired and non-owned vehicles and equipment used by Supplier with a minimum combined single limit of liability of [****] for injury and/or death and/or property
damage. 

  

	 	14.1.4	Excess coverage with respect to Sections 14.1.1 (Employers’ Liability Insurance), 14.1.2 and 14.1.3 above with a per occurrence limit of [****]. 

 

	 	14.1.5	Errors and Omissions coverage with a minimum limit of [****]. 

  

	 	14.1.6	Supplier shall be responsible for loss to bank property and customer property, directly or indirectly, and shall maintain Fidelity Bond or Crime coverage for the dishonest acts of its employees in a minimum amount of
[****]. Supplier shall endorse such policy to include a “Client Coverage” or “Joint Payee Coverage” endorsement. Bank of America shall be named as “Loss Payee, As Their Interest May Appear” in such Fidelity Bond.

  

	
	
15.0      CONFIDENTIALITY AND INFORMATION PROTECTION

 15.1 The term “Confidential Information” shall mean this Agreement and all data,
trade secrets, business information and other information of any kind whatsoever that a Party (“Discloser”) discloses, in writing, orally, visually or in any other medium, to the other Party (“Recipient”) or to which Recipient
obtains access and that relates to Discloser or, in the case of Supplier, to Bank of America or its customers, employees, third-party vendors or licensors. Confidential Information includes Customer Information and Consumer Information, as defined
in the Section entitled “Definitions.” A “writing” shall include an electronic transfer of information by e-mail, over the Internet or otherwise. 

  
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omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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 15.2 Supplier acknowledges that Bank of America has a responsibility to its
customers and other consumers using its services to keep Customer Information strictly confidential. Each of the Parties, as Recipient, hereby agrees that it will not, and will cause its Representatives, consultants, Affiliates and independent
contractors not to disclose Confidential Information of the other Party, including Customer Information and Consumer Information, during or after the Term of this Agreement, other than on a “need to know” basis and then only to:
(a) Affiliates of Bank of America; (b) Recipient’s employees or officers; (c) Affiliates of Recipient, its independent contractors at any level, agents and consultants, provided that all such persons are subject to a written
confidentiality agreement that shall be no less restrictive than the provisions of this Section; (d) pursuant to the exceptions set forth in 15 U.S.C 6802(e) and accompanying regulations, which disclosures are made in the ordinary course of
business and (e) as required by law or as otherwise expressly permitted by this Agreement. For the avoidance of doubt, and without limiting the generality of the foregoing, Supplier shall maintain Bank of America Confidential Information in
strictest confidence and shall not disclose Bank of America Confidential Information to any party other than as expressly permitted by Sections 15.2(a) through (e) above. Recipient shall not use or disclose Confidential Information of the
other Party for any purpose other than to carry out this Agreement. For the avoidance of doubt, and without limiting the generality of the foregoing, Supplier shall only use Bank of America Confidential Information for the benefit of Bank of America
and the use of customers of Bank of America and its Affiliates. Recipient shall treat Confidential Information of the other Party with no less care than it employs for its own Confidential Information of a similar nature that it does not wish to
disclose, publish or disseminate, but not less than a reasonable level of care. Upon expiration or termination of this Agreement for any reason or at the written request of Bank of America during the Term of this Agreement, Supplier shall promptly
return to Bank of America, at Bank of America’s direction, all Bank of America Confidential Information in the possession of Supplier or Supplier’s Subcontractors, subject to and in accordance with the terms and provisions of this
Agreement; provided that Bank of America will not request the return of Bank of America Confidential Information solely in order to effect a termination of the Services under this Agreement. This provision will not restrict Bank of America’s
rights under Section 5.1 hereof. Notwithstanding anything to the contrary set forth elsewhere in this Agreement, Bank of America shall be permitted to (i) identify Supplier by name, as a Bank of America supplier of bill pay and/or
electronic payment processing, routing or hosting services, to any third-party vendor or licensor of Bank of America that has provided Bank of America with technology, other software, intellectual property (and licenses thereto) and/or materials
that may from time to time by provided by Bank of America to Supplier hereunder and (ii) disclose the existence of this Agreement and the terms and conditions hereof to any independent third party audit firm (engaged by such vendor or
third-party licensor) that agrees to hold in confidence this Agreement and its terms (subject to customary and reasonable exceptions and except as otherwise expressly set forth herein). Such third party audit firm shall not be an Affiliate of such
third-party vendor or licensor of Bank of America. The permissions set forth in subsections 15.2(i) and (ii) above are subject to Bank of America and such third-party vendor or licensor first entering into agreements providing that the third
party audit firm may view this Agreement solely to the extent necessary to allow the third party audit firm to: 
 (A) determine if this
Agreement (1) limits Supplier’s use of proprietary materials and Confidential Information provided to Supplier hereunder for the benefit of Bank of America, its Affiliates and customers and (2) requires Supplier to hold in confidence
any proprietary materials and Confidential Information provided to Supplier hereunder in confidence (subject to the limited exceptions on such duty expressly set forth in this Agreement); and 

(B) report on its findings to such third-party vendor or licensor with respect to subsection (A) above, and Bank of America’s
applicable agreements with such third party vendors or licenses shall provide that such reporting may only include the auditor’s determinations narrowly tailored to affirmatively or negatively respond to the questions presented in subsection
(A) (subject to any customary and reasonable qualifications on its report that the third party audit firm may be required to make). 

  
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omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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 15.3 To the extent legally permitted, Recipient shall notify Discloser of
any actual or threatened requirement of law to disclose Confidential Information promptly upon receiving actual knowledge thereof and shall cooperate with Discloser’s reasonable, lawful efforts to resist, limit or delay disclosure. Nothing in
this Section shall require any notice or other action by Bank of America in connection with requests or demands for Confidential Information by bank examiners. 

15.4 Supplier shall not remove from Bank of America’s premises, the original or any reproduction of any notes, memoranda,
files, records, or other documents, whether on tangible or electronic media, containing Bank of America’s Confidential Information or any document prepared by or on behalf of Supplier that contains or is based on Bank of America’s
Confidential Information, without the prior written consent of an authorized representative of Bank of America. Any document or media provided by an authorized Bank of America Representative or notes taken to document discussions with Bank of
America Representatives concerning contract performance will be deemed to fall outside this consent requirement unless otherwise stated by the Bank of America Representative. 

15.5 With the exception of Customer Information and Consumer Information, the obligations of confidentiality in this Section
shall not apply to any information that (i) Recipient rightfully has in its possession when disclosed to it, free of obligation to Discloser to maintain its confidentiality; (ii) Recipient independently develops without access to
Discloser’s Confidential Information; (iii) is or becomes known to the public other than by breach of this Section or (iv) is rightfully received by Recipient from a third party without the obligation of confidentiality. Any
combination of Confidential Information disclosed with information not so classified shall not be deemed to be within one of the foregoing exclusions merely because individual portions of such combination are free of any confidentiality obligation
or are separately known in the public domain. 
 15.6 Neither Party shall issue any media releases, public announcements and
public disclosures, relating to this Agreement or use the name or logo of the other Party, including, without limitation, in promotional or marketing material or on a list of customers, provided that nothing in this paragraph shall restrict any
disclosure required by legal, accounting or regulatory requirements beyond the reasonable control of the releasing Party. Supplier may, acting reasonably and in good faith, request that Bank of America use commercially reasonable efforts to work
with Supplier to create promotional activities designed to maximize industry awareness and consumer use of the Services. Notwithstanding the foregoing, Bank of America shall have the sole discretion as to whether to accept or reject such request. In
no instance shall such activities or materials contain Bank of America’s names, trademarks, service marks, logos or other proprietary symbols or rights, unless Bank of America has consented in advance in writing. 

15.7 Bank of America may disclose products and Services to contractors for the purpose of further handling, processing,
modifying and adapting them for the exclusive use of Bank of America, provided that such contractors have agreed to observe in substance the obligations of Bank of America set forth in this Section. 

15.8 All Confidential Information and any results of processing Confidential Information or derived in any way therefrom shall
at all times remain the property of Bank of America. Supplier shall have responsibility for and bear all risk of loss or damage to Confidential Information and damages resulting from improper or inaccurate processing of such data arising from the
negligence or willful misconduct of Supplier, its Representatives or Subcontractors, subject to applicable terms of the relevant SCHEDULE C. 

15.9 Supplier acknowledges that Bank of America is required to comply with the information security standards required by the
Gramm-Leach-Bliley Act (15 U.S.C. 6801, 6805(b)(1)) and the regulations issued thereunder (12 C.F.R. Part 40), the Fair and Accurate Credit Transactions Act (15 U.S.C. 1681, 1681w) and the regulations issued thereunder (12 C.F.R. Parts 30 and 41)
and with other statutory, legal and regulatory requirements (collectively, “Privacy Laws”). If applicable, Supplier shall make commercial best efforts to assist Bank of America to so comply and shall comply and conform with applicable
Privacy Laws, as amended from time to time, and with the Bank of America policies for information protection as modified by Bank of America from time to time. 

  
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omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	 	15.9.1	Supplier hereby acknowledges and agrees that Supplier has no legal right to access, receive, accept, transmit, store or otherwise impact Confidential Information under any circumstance whatsoever unless and until Bank
of America has granted such rights to Supplier after the opportunity to determine the level of Supplier’s compliance with the Bank Security Requirements and such other terms or conditions as Bank of America may require. After granting such
rights to Supplier, Bank of America may suspend, revoke or terminate such rights in its sole discretion upon written notice to Supplier. Upon receipt of that notice, Supplier shall (i) immediately stop accessing and/or accepting Confidential
Information and (ii) as promptly as practicable [but no later than thirty (30) calendar days after receipt of such notice] return to Bank of America all Confidential Information in its possession on a medium acceptable to Bank of America.

  

	 	15.9.2	As a condition of access to the Confidential Information of Bank of America, Supplier shall make available to Bank of America a copy of its written Information Security Program for evaluation. The program shall be
designed to: 

  

	 	(a)	Ensure the security, Integrity and confidentiality of Confidential Information; 

  

	 	(b)	Protect against any anticipated threats or hazards to the security or integrity of such Confidential Information; 

  

	 	(c)	Protect against unauthorized access to or use of such Confidential Information that could result in substantial harm or inconvenience to the person or entity that is the subject of such Confidential Information; and

  

	 	(d)	Ensure the proper disposal of such Confidential Information. 

  

	 	15.9.3	At the request of Bank of America, Supplier shall make commercially reasonable modifications to its Information Security Program or to the procedures and practices thereunder to conform at least to the Bank Security
Requirements. Supplier shall require any Subcontractors and other persons or entities who provide services to Supplier for delivery to Bank of America directly or indirectly or who hold Confidential Information to implement and administer an
information protection program and plan that complies with Bank Security Requirements. Supplier shall include or shall cause to be included in written agreements with such Subcontractors or other persons or entities substantially the terms of this
Section and the provisions of SCHEDULE D. 

  

	 	15.9.4	One aspect of the determination of Supplier compliance with Bank Security Requirements is a review of Supplier Security Controls. As a condition precedent to performance under this Agreement, Supplier agrees to satisfy
the following validation requirements: 

  

	 	(a)	Participation in Bank of America’s Supplier assessment process including completion of an online assessment questionnaire; 

  

	 	(b)	Periodic discussions between Bank of America personnel and Supplier Information Technology security personnel to review Supplier Security Controls; and 

 

	 	(c)	Delivery to Bank of America of network diagrams depicting Supplier perimeter controls and security policies and processes relevant to the protection of Confidential Information. Examples of these policies include, but
are not limited to, access control, physical security, patch management, password standards, encryption standards, and change control. 

  

	 	15.10	During the course of performance under this Agreement, Supplier shall ensure the following: 

  

	 	15.10.1	Adequate governance and risk assessment processes are in place to maintain controls over Confidential Information. A security awareness program must be in place or implemented that communicates security policies to all
Supplier (and Supplier Subcontractor(s)) personnel having access to Confidential Information. 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	 	15.10.2	Notification to Bank of America of changes that may impact the security of Confidential Information. Such changes requiring notification include, by way of example and not limitation, outsourcing of computer networking,
data storage, management and processing or other information technology functions or facilities and the implementation of external web-enabled (Internet) access to Confidential Information. 

 

	 	15.10.3	Use of strong, industry-standard encryption of Confidential Information transmitted over public networks (e.g. Internet, non-dedicated leased lines) and backup tapes residing at off-site storage facilities.

 15.11 Bank of America reserves the right to monitor Supplier-maintained platforms that reside on the Bank
of America network. The Supplier may be required, at the expense of Bank of America, to assist with installation, support and problem resolution of Bank of America owned equipment or processes, or to provide an information feed from the Supplier
platform to the Bank of America monitoring processes. 
 15.12 Supplier shall deliver an updated Information Security
Program or confirm that no changes have been made to the Information Security Program, each year on the anniversary of the Effective Date. 
  

	
	
16.0      INDEMNITY

 16.1 Supplier shall indemnify, defend, and hold harmless Bank of America and its
Representatives, successors and permitted assigns from and against any and all claims made or threatened by any third party and all related losses, expenses, damages, costs and liabilities, including reasonable attorneys’ fees and expenses
incurred in investigation or defense (“Damages”), to the extent such Damages arise out of or relate to the following: (a) any negligent act or omission or willful misconduct by Supplier, its Representatives or any Subcontractor
engaged by Supplier in the performance of Supplier’s obligations under this Agreement; or (b) any breach in a representation, covenant or obligation of Supplier contained in this Agreement. 

16.2 Supplier shall defend or settle at its expense any threat, claim, suit or proceeding arising from or alleging
infringement, misappropriation or other violation of any Intellectual Property Rights or any other rights of any third party by products, Work Product or Services furnished under this Agreement. Supplier shall indemnify and hold Bank of America, its
Affiliates and each of their Representatives and customers harmless from and against and pay any and all losses, expenses, damages, costs and liabilities, including royalties and license fees and reasonable counsel fees and expenses attributable to
such threat, claim, suit or proceeding. 
  

	 	16.2.1	If any product, Work Product or Services furnished under this Agreement, including, without limitation, software, system design, equipment or documentation, becomes, or in Bank of America’s or Supplier’s
reasonable opinion is likely to become, the subject of any claim, suit, or proceeding arising from or alleging facts that if true would constitute infringement, misappropriation or other violation of, or in the event of any adjudication that such
product infringes, misappropriates or otherwise violates, any Intellectual Property Rights or any other rights of a third party, Supplier, at its own expense, shall take the following actions in the listed order of preference: (a) secure for
Bank of America the right to continue using the product; or if commercially reasonable efforts are unavailing, (b) replace or modify the product to make it non-infringing; provided, however, that such modification or replacement shall not
degrade the operation or performance of the product. 

  

	 	16.2.2	The indemnity in the preceding provision shall not extend to any claim of infringement resulting solely from Bank of America’s unauthorized modification of the product or from use of the product in a manner for
which the product is not designed or from incorporation of the product with products not approved by Supplier, or from Bank of America Content. 

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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Terms and Conditions 
  

 16.3 Subject to Section 16.3.1 below, Bank of America shall defend or
settle at its expense any threat, claim, suit or proceeding asserted against Supplier or its Affiliates, Representatives, successors or permitted assigns (the “Supplier Indemnified Parties”) arising from or alleging infringement,
misappropriation or other violation of any Intellectual Property Rights or any other rights of any third party by any Bank of America Content provided to Supplier by Bank of America or its Representatives or Affiliates for use by Supplier under this
Agreement. Bank of America shall indemnify and hold the Supplier Indemnified Parties harmless from and against and pay any and all losses, expenses, damages, costs and liabilities, including royalties and license fees and reasonable counsel fees and
expenses attributable to such threat, claim, suit or proceeding. The indemnity in this provision shall not extend to any claim of infringement resulting solely from (a) unauthorized modification of Bank of America Content by Supplier or
Supplier’s Affiliates or Subcontractors, (b) from use of the Bank of America Content in a manner for which the Bank of America Content is not designed, (c) from use of the Bank of America Content in a manner not authorized by Bank of
America or otherwise used or handled in violation of this Agreement, or (d) incorporation of the Bank of Content with products or services in a manner not expressly approved by Bank of America. 

 

	 	16.3.1	Notwithstanding the foregoing, (x) solely with respect to any portion of Bank of America Content which consists of third party products or materials obtained by Bank of America or its Affiliates from third parties
and which Bank of America in turn provides to Supplier (the “Third Party Content”), Bank of America’s obligation set forth in Section 16.3 with respect to such Third Party Content shall only apply with respect to threats, claims,
suits or proceedings asserted against the Supplier Indemnified Parties by the Third Party Content Providers (“Third Party Claims”) and the qualifications set forth in Section 16.3(a) – (d) shall equally apply with respect to
Third Party Provider Claims; provided, however, (y) if Bank of America provides Third Party Content to Supplier with actual knowledge that Supplier’s use of the Third Party Content in accordance with Bank of America’s directions would
constitute infringement, misappropriation of violation of a third party’s Intellectual Property Rights, the limitation on Bank of America’s indemnification obligations set forth in Section 16.3.1(x) shall not apply and Bank of America
shall be liable to fully indemnify the Supplier Indemnified Parties as set forth in Section 16.3 with respect to any third party claims subject to indemnification thereunder. As used herein, “Third Party Providers” means third parties
from whom Bank of America directly obtained Third Party Content. 

 16.4 The indemnified Party shall give the
indemnifying Party notice of, and the Parties shall cooperate in, the defense of any indemnifiable claim, suit or proceeding, including appeals, negotiations and any settlement or compromise thereof, provided that the indemnified Party must approve
the terms of any settlement or compromise that may impose any unindemnified or nonmonetary liability on the indemnified Party. 

16.5 Solely in connection with the Aggregation Services to be provided under Schedule A-1, the MFP Services to be provided
under Schedule A-2, and the IAV Services to be provided under Schedule A-3: 
 (a) Bank of America shall defend or settle at its expense any
threat, claim, suit or proceeding arising from or alleging (a) infringement, misappropriation or other violation of any Intellectual Property Rights caused by Supplier’s use of Bank Materials in accordance with Bank of America’s
instructions or Bank of America’s combination of Supplier’s services, solutions, information or technology with services, solutions, information or technology not provided or approved by Supplier; (b) any improper or unauthorized use,
sale, license, distribution or disclosure of Customer Information by Bank of America or its agents; (c) any disclosure by Bank of America or its agents of Customer Information, Program Information or PIN Vault data resulting from third party
unauthorized access; or (d) any statement or representation by Bank of America regarding the Aggregation Services, the MFP Services or the IAV Services in excess of Yodlee’s express warranties and the Minimum End User Terms and Conditions
herein. Bank of America shall indemnify and hold Supplier, its Affiliates and each of their Representatives and customers harmless from and against and pay any and all losses, expenses, damages, costs and liabilities, including royalties and license
fees and reasonable counsel fees and expenses attributable to such threat, claim, suit or proceeding. 
 (b) Supplier shall give Bank of
America notice of, and the Parties shall cooperate in, the defense of any such claim, suit or proceeding set forth in Section 16.5(a) above, including appeals, negotiations and any settlement or compromise thereof, [****]. 

  
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17.0      LIMITATION OF LIABILITY

 17.1 Except as otherwise set forth herein, neither Party shall be liable to the other for any
special, indirect, incidental, consequential, punitive or exemplary damages, including, but not limited to, lost profits, even if such Party alleged to be liable has knowledge of the possibility of such damages. 

17.2 Except as otherwise set forth herein, each Party’s total liability under this Agreement shall be [****]. 

17.3 Notwithstanding the foregoing, [****]. 

17.4 [****]. 
  

	
	
18.0      SUPPLIER DIVERSITY

 18.1 Supplier recognizes the Bank of America Supplier Diversity efforts supporting minority,
woman and disabled-owned business enterprises and its commitment to the participation of minority, woman and disabled-owned business enterprises in its construction, procurement and professional services programs. This section does not require
Supplier to change its services and failure to adhere to such provisions shall in no event constitute a breach of this Agreement. 

18.2 Definitions: For purposes of this Agreement, the following are the definitions of “Minority-Owned Business
Enterprise,” “Minority Group,” “Woman-Owned Business Enterprise,” “Disabled Veteran-Owned Business Enterprise” and “Disabled-Owned Business Enterprise:” 

 

	 	18.2.1	“Minority-Owned Business Enterprise” is recognized as a “for profit” enterprise, regardless of size, physically located in the United States or its trust territories, which is at least fifty-one
(51%) percent owned, operated and controlled, by one or more member(s) of a Minority Group who maintain United States citizenship. 

  

	 	18.2.2	“Minority Group” means African Americans, Hispanic Americans, Native Americans (American Indians, Eskimos, Aleuts, and native Hawaiians), Asian-Pacific Americans, and other minority group as recognized by the
United States Small Business Administration Office of Minority Small Business and Capital Ownership Development. 

  

	 	18.2.3	“Woman-Owned Business Enterprise” is recognized as a “for profit” enterprise, regardless of size, located in the United States or its trust territories, which is at least fifty-one (51%) percent
owned, operated and controlled by a female of United States citizenship. 

  

	 	18.2.4	“Disabled Veteran-Owned Business Enterprise” is recognized as a “for profit” enterprise, regardless of size, located in the United States or its trust territories, which is at least fifty-one
(51%) percent owned, operated, and controlled by a disabled veteran. The disabled veteran’s ownership and control shall be real and continuing and not created solely to take advantage of special or set aside programs aimed at supplier
diversity. The Association of Service Disabled Veterans, www.asdv.org provides certification for this category of business owners throughout the United States. 

  

	 	18.2.5	 “Disabled-Owned Business Enterprise” is recognized as a “for profit” enterprise, regardless of size, located in the United States
or its trust territories, which is at least fifty-one (51%) percent owned, operated and controlled, by an individual of United States citizenship with a permanent mental or 

  
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physical impairment that substantially limits one or more of the major life activities and which has a significant negative impact upon the company’s ability to successfully compete. The
ownership and control shall be real and continuing and not created solely to take advantage of special or set aside programs aimed at supplier diversity. Due to the absence of a certifying agency for this category of business owners, the
Disabled-Owned Business Enterprise must complete an affidavit and provide supporting documentation to be eligible for consideration towards diverse supplier participation. 

18.3 In addition to the above criteria to qualify as a Minority, Woman or Disabled-Owned Business Enterprise under this
Agreement, the diverse supplier must be certified by an agency acceptable to Bank of America. 
  

	
	
19.0      ENVIRONMENTAL INITIATIVE

 Supplier acknowledges that Bank of America encourages each supplier with which it enters into an agreement for
the provision of goods or services to use, consistent with the efficient performance of such agreements, recycled paper goods, and to implement and adhere to other environmentally beneficial policies and practices. Supplier warrants that Supplier
uses environmentally beneficial practices specific to its industry that meet at least the minimum standard recommended for its industry. Upon Bank of America’s request, Supplier will provide written information on its environmental policies and
procedures. This section does not require Supplier to change its services and failure to adhere to such provisions shall in no event constitute a breach of this Agreement. 
  

	
	
20.0      AUDIT

 20.1 Supplier shall maintain at no additional cost to Bank of America other than as specified
in the applicable Schedule B, in a reasonably accessible location, all Records pertaining to its products and Services provided to Bank of America under this Agreement for a period of seven (7) years or as required by law, if longer, unless
otherwise specified in any serially-numbered Schedule A. Such Supplier Records referenced above may be inspected, audited and copied by Bank of America, its Representatives or by federal or state agencies having jurisdiction over Bank of America,
during normal business hours and at such reasonable times as Bank of America and Supplier may determine. Records available for review shall exclude any records pertaining to Supplier’s other customers deemed proprietary and confidential and
Supplier confidential and proprietary records not associated with the products and Services provided under the Agreement. Supplier will give prior notice to Bank of America of requests by federal or state authorities to examine Supplier’s Bank
of America Records. At Bank of America’s written request, Supplier shall reasonably cooperate with Bank of America in seeking a protective order with respect to such Records. At Supplier’s written request, Bank of America shall reasonably
cooperate with Supplier in seeking a protective order with respect to such Records. 
 20.2 Supplier shall provide at its
expense on an annual basis, a copy of the latest (a) SAS70 (Statement on Auditing Standards No. 70, Service Organizations) Type II or (b) BITS Financial Services Shared Assessment Program (FISAP) independent audit firm report for
facilities not managed by Bank of America that are used to provide Services under this Agreement. If not available, Supplier, at its sole cost and expense, will engage a nationally recognized certified public accounting firm to conduct the audit and
prepare applicable reports. Each report will cover a minimum six (6) calendar month period each calendar year during the Term. Supplier shall provide Bank of America with the scope of the audit and a complete copy of each report prepared in
connection with each such audit within thirty (30) calendar days after it receives such report. 
 20.3 Supplier shall
provide a copy of the latest operational audit for facilities not managed by Bank of America that are used to provide Services under this Agreement. If necessary, Supplier, at its sole cost and expense, will engage a nationally recognized certified
public accounting firm to conduct the audit and prepare applicable reports. For SAS 70 Type II reports, each report will cover a calendar six (6) month period each calendar year during the Term. Such audits may be on a rotating site basis where
operations and procedures of Supplier Services provided to Bank of America are in multiple locations in order to confirm that 

  
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Supplier is in compliance in all aspects of the Agreement. Supplier shall provide Bank of America with a copy of each report prepared in connection with each such audit within thirty
(30) calendar days after it receives such report. 
 20.4 During regular business hours but no more frequently than
once a year, Bank of America may, at its sole expense, perform a confidential audit of Supplier’s operations as they pertain to the products or Services provided under this Agreement, including Supplier’s facilities in both the United
States and India. Such audits shall be conducted on a mutually agreed upon date [which shall be no more than ten (10) Business Days after Bank of America’s written notice of time, location and duration], subject to reasonable postponement
by Supplier upon Supplier’s reasonable request, provided, however, that no such postponement shall exceed twenty (20) Business Days. Bank of America will provide Supplier a summary of the findings from each report prepared in connection
with any such audit and discuss results, including any remediation plans. If audit results find Supplier is not in substantial compliance with the requirements of this Agreement, then Bank of America shall be entitled, at Supplier’s expense, to
perform up to two (2) additional such audits in that year in accordance with the procedure set forth in this Section. Supplier agrees to promptly take action at its expense to correct those matters or items identified in any such audit that
require correction. Failure to correct such matters shall be considered a material breach of this Agreement. 
 20.5
Supplier will provide reasonable access to Bank of America’s federal and state governmental regulators (at a minimum, to the extent required by law), at Bank of America’s expense, to Bank of America’s Records held by Supplier and to
the procedures and facilities of Supplier relating to the products and Services provided under this Agreement. Pursuant to 12 U.S.C. 1867(c), the performance of such Services will be subject to regulation and examination by the appropriate federal
banking agency to the same extent as if the Services were being performed by Bank of America itself. Supplier acknowledges and agrees that regulatory agencies may audit Supplier’s performance at any time during normal business hours and that
such audits may include both methods and results under this Agreement. 
 20.6 Upon prior written notice and at a mutually
acceptable time, Bank of America personnel or its Representatives (e.g., external audit consultants) may audit, test or inspect Supplier’s Information Security Program and its facilities to assure Bank of America’s data and Confidential
Information are adequately protected. This right to audit is in addition to the other audit rights or assessments granted herein. Bank of America will determine the scope of such audits, tests or inspections, which may extend to Supplier’s
Subcontractors and other Supplier resources (other systems, environmental support, recovery processes, etc.) used to support the systems and handling of Confidential Information. Supplier will inform Bank of America of any internal auditing
capability it possesses and permit Bank of America’s personnel to consult on a confidential basis with such auditors at all reasonable times. Bank of America may provide Supplier a summary of the findings from each report prepared in connection
with any such audit and discuss results, including any remediation plans. Without limiting any other rights of Bank of America herein, if Supplier is in breach or otherwise not compliant with any of the provisions set forth in the Section of this
Agreement entitled “Confidentiality and Information Protection” and/or SCHEDULE D, then Bank of America may conduct additional audits. 

20.7 In addition to the requirements under this Section 20.0 and upon Bank of America’s request, Supplier shall
deliver to Bank of America, within thirty (30) calendar days after its receipt by its board of directors or senior management, a copy of any preliminary or final report of audit of Supplier by any third-party auditors retained by Supplier,
including any management letter such auditors submit, and on any other audit or inspection upon which Bank of America and Supplier may mutually agree. 
  

	
	
21.0      NON-ASSIGNMENT

 Neither Party may assign this Agreement or any of the rights hereunder or delegate any of its obligations
hereunder, without the prior written consent of the other Party (which consent shall not be unreasonably withheld), and any such attempted assignment shall be void, except that Bank of America or any permitted Bank of America assignee may assign any
of its rights and obligations under this Agreement to any Bank of 

  
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America Affiliate, the surviving corporation with or into which Bank of America or such assignee may merge or consolidate or an entity to which Bank of America or such assignee transfers all, or
substantially all, of its business and assets. For avoidance of doubt, Supplier acknowledges and agrees that a refusal by Bank of America to grant consent to an assignment shall not be deemed unreasonable with respect to an assignment by the
Supplier of this Agreement or its rights and obligations to (a) another bank, financial institution or any other entity whom Bank of America views in good faith as a competitor or (b) any entity whom Bank of America in good faith believes
to be unable (i) to provide the Services in a manner that meets the quality expectations of Bank of America or (ii) to otherwise fulfill the Supplier’s obligations set forth herein. The foregoing sentence is not intended to limit Bank
of America’s right to reasonably withhold consent to any other assignment of this Agreement or the Supplier’s rights and obligations hereunder by the Supplier. 
  

	
	
22.0      GOVERNING LAW

 This Agreement shall be governed by the internal laws, and not by the laws regarding conflicts of laws, of the
State of New York. Each Party hereby submits to the exclusive jurisdiction of the courts of such state, and waives any objection to venue with respect to actions brought in such courts. This provision shall not be construed to conflict with the
provisions of the Section entitled “Mediation/Arbitration.” 
  

	
	
23.0      DISPUTE RESOLUTION

 The following procedure will be adhered to in all disputes arising under this Agreement which the Parties
cannot resolve informally through their Relationship Managers. The aggrieved Party shall notify the other Party in writing of the nature of the dispute with as much detail as possible about the deficient performance of the other Party. The
Relationship Managers shall meet (in person or by telephone) within seven (7) calendar days after the date of the written notification to reach an agreement about the nature of the deficiency and the corrective action to be taken by the
respective Parties. If the Relationship Managers do not meet or are unable to agree on corrective action, senior managers of the Parties having authority to resolve the dispute without the further consent of any other person (“Management”)
shall meet or otherwise act to facilitate an agreement within fourteen (14) calendar days of the date of the written notification. If Management do not meet or cannot resolve the dispute or agree upon a written plan of corrective action to do
so within seven (7) calendar days after their initial meeting or other action, or if the agreed-upon completion dates in the written plan of corrective action are exceeded, either Party may request mediation and/or arbitration as provided for
in this Agreement. Except as otherwise specifically provided, neither Party shall initiate arbitration, mediation or litigation unless and until this dispute resolution procedure has been substantially complied with or waived. Failure of a Party to
fulfill its obligations in this Section, including failure to meet timely upon the other Party’s notice, shall be deemed such a waiver. 
  

	
	
24.0      MEDIATION/ARBITRATION

 24.1 If the Parties are unable to resolve a dispute arising out of or relating to this
Agreement in accordance with the Section entitled “Dispute Resolution,” the Parties will in good faith attempt to resolve such dispute through non-binding mediation before a mediator acceptable to both sides, provided, however, a dispute
relating to infringement of Intellectual Property Rights or the Section entitled “Confidentiality and Information Protection” shall not be subject to this Section entitled “Mediation/Arbitration”. 

24.2 Any controversy or claim, other than those specifically excluded, between or among the Parties not resolved through
mediation under the preceding provision, shall at the request of a Party be determined by arbitration. The arbitration shall be conducted by one independent arbitrator who shall be a retired judge or attorney practicing in the areas of banking and
information technology law. The arbitration shall be held in New York, NY in accordance with the United States Arbitration Act (9 U.S.C. 1 et seq.), notwithstanding any choice of law provision in this Agreement, and under the auspices and the
Commercial Arbitration Rules of the American Arbitration Association. 
 24.3 Consistent with the expedited nature of
arbitration, each Party will, upon the written request of the other Party, promptly provide the other with copies of documents relevant to the issues raised by any claim or counterclaim on which the producing Party may rely in support of or in
opposition to any claim or 

  
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defense. At the request of a Party, the arbitrator shall have the discretion to order examination by deposition of witnesses to the extent the arbitrator deems such additional discovery relevant
and appropriate. Depositions shall be limited to a maximum of three (3) per Party and shall be held within thirty (30) calendar days of the making of a request. Additional depositions may be scheduled only with the permission of the
arbitrator, and for good cause shown. Each deposition shall be limited to a maximum of three (3) hours duration. All objections are reserved for the arbitration hearing except for objections based on privilege and proprietary or confidential
information. Any dispute regarding discovery, or the relevance or scope thereof, shall be determined by the arbitrator, which determination shall be conclusive. All discovery shall be completed within sixty (60) calendar days following the
appointment of the arbitrator. 
 24.4 The arbitrator shall give effect to statutes of limitation in determining any claim,
and any controversy concerning whether an issue is arbitrable shall be determined by the arbitrator. The arbitrator shall follow the law in reaching a reasoned decision and shall deliver a written opinion setting forth findings of fact, conclusions
of law and the rationale for the decision. The arbitrator shall reconsider the decision once upon the motion and at the expense of a Party. The Section of this Agreement entitled “Confidentiality and Information Protection” shall apply to
the arbitration proceeding, all evidence taken, and the arbitrator’s opinion, which shall be Confidential Information of both Parties. Judgment upon the decision rendered by the arbitrator may be entered in any court having jurisdiction. 

24.5 No provision of this Section shall limit the right of a Party to obtain provisional or ancillary remedies from a court of
competent jurisdiction before, after, or during the pendency of any arbitration. The exercise of a remedy does not waive the right of either Party to resort to arbitration. The institution and maintenance of an action for judicial relief or pursuit
of a provisional or ancillary remedy shall not constitute a waiver of the right of either Party to submit the controversy or claim to arbitration if the other Party contests such action for judicial relief. 

24.6 In any arbitration or other action to collect amounts due under SCHEDULE B-1 or B-2, the arbitrator or other adjudicator
shall be entitled, in his/her discretion, to award interest from the date any payment was due, and/or attorneys’ fees and/or costs, to a Party. 
  

	
	
25.0      NON-EXCLUSIVE NATURE OF AGREEMENT

 Supplier agrees that it shall not be considered Bank of America’s exclusive provider of any goods or
Services provided hereunder. Bank of America retains the unconditional right to utilize other suppliers in the provision of similar services. 
  

	
	
26.0      OWNERSHIP OF WORK PRODUCT

 26.1 Bank of America will own exclusively all Work Product. Work Product, to the extent
permitted by law, shall be deemed “works made for hire” (as that term is defined in the United States Copyright Act). To the extent the Work Product is not “works made for hire,” Supplier hereby assigns to Bank of America all
right, title and interest (including all Intellectual Property Rights in the Work Product). Supplier shall provide Bank of America upon request with all assistance reasonably required to register or perfect such right, title and interest, including
providing pertinent information and, executing all applications, specifications, oaths, assignments and all other instruments that Bank of America shall deem necessary in order to apply for and obtain such right, title and interest. Supplier shall
enter into agreements with all of its Representatives and Subcontractors necessary to establish Bank of America’s sole ownership in the Work Product. Bank of America acknowledges Supplier’s and its licensors’ claims of proprietary
rights in preexisting works of authorship and other intellectual property Supplier uses in its work pursuant to this Agreement. Bank of America does not claim any right not expressly granted by this Agreement in such works or intellectual property,
which shall not be Work Product, even if incorporated with Work Product in the product Supplier delivers to Bank of America. Unless otherwise agreed in a SOW, Supplier grants Bank of America a perpetual, worldwide, irrevocable (subject to payment of
the applicable mutually agreed upon amounts with respect to such Work Product), nonexclusive, royalty free license to any Intellectual Property Rights embedded in the Work Product, which shall permit Bank of

  
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America and any transferee or sublicensee of Bank of America, subject to the restrictions in this Agreement, to use and modify such embedded materials as necessary or desirable for, but solely in
connection with, the full use of the Work Product. Supplier and its personnel shall retain the right to use their general knowledge, experience, and know-how developed by Supplier in creating Work Product hereunder, including but not limited to use
in connection with other client engagements entered into by Supplier, and as part of products or in the course of performing services for such other clients, but only to the extent that such items do not constitute, contain or embody Confidential
Information of Bank of America and Supplier may not under any circumstance use for its benefit or the benefit of any third parties, or distribute, license or sale, Work Product to any other third party. 

26.2 Supplier shall promptly notify Bank of America in writing, of any threat, or the filing of any action, suit or
proceeding, against Supplier, its Affiliates, Subcontractors or Representatives, (i) alleging infringement, misappropriation or other violation of any Intellectual Property Right related to any product, Work Product or Service furnished under
this Agreement, or (ii) in which an adverse decision would reasonably be expected to have a material adverse effect on the Supplier or the use by Bank of America of the products, Work Product or Services furnished under this Agreement. 

26.3 Without limiting its obligations under the Section entitled “Confidentiality and Information Protection”,
Supplier acknowledges and agrees that it may use Customer Information and Consumer Information, subject to the provisions set forth in the Section entitled “Confidentiality and Information Protection” set forth above, solely to provide,
support and enhance the Services; provided, however, it may use, sell, license, distribute and disclose derivative data based originally on Customer Information and Consumer Information that has been compiled and aggregated with other data
(“Aggregated Data”), provided that such Aggregated Data does not set forth the names, addresses, phone numbers, email addresses, account numbers or any non-publicly available personally identifiable information concerning such customers,
consumers or other persons. In addition to the foregoing, Aggregated Data will not be identifiable as associated with a particular person or Bank of America. Supplier will not use the Customer Information or Consumer Information in any manner
(a) prohibited by law and (b) not permitted under this Agreement. Supplier shall not use Aggregated Data to market any of its products or services to Bank of America customers without the express written consent of Bank of America. 

26.4 The parties further agree as follows in connection with the Services in A-1, A-2, and A-3: 

(a) Supplier understands and agrees that Bank of America is the exclusive owner of and holds and shall retain, all right, title and interest in
and to the Bank Materials, including without limitation all Intellectual Property therein. 
 (b) Bank of America hereby grants to Supplier a
nonexclusive, worldwide, revocable and royalty-free right and license to store, reproduce, display, perform, transmit and use the Bank Materials on the applicable Service pages solely for the purpose of operating the Services for the benefit of Bank
of America and its customers. Subject to the limitations contained in this Agreement, Supplier grants to Bank of America a nonexclusive, non-transferable, limited license to display or link to the Services on the Bank of America Site. In the event
Bank of America is licensing the SDK Service, any license grants/restrictions will be set forth in the appropriate SCHEDULE A. 
 (c)
Trademarks. Each party (the “Using Party”) agrees that, with respect to its use of the other party’s (the “Owning Party”) trademarks, marks and trade names (“Marks”) provided or otherwise identified by the
Owning Party for the Using Party’s use: (a) as between the parties, all rights in and to such Marks are owned by the Owning Party, (b) the Using Party will do nothing inconsistent with such ownership, (c) all uses of such Marks
shall inure to the sole benefit of and be on behalf of the Owning Party, (d) it will use the Owning Party’s Marks in strict accordance with any guidelines for the use of such Marks as provided by the Owning Party from time to time,
(e) it will not alter any such Marks and shall use only exact reproductions thereof as supplied by the Owning Party, (f) at the Owning Party’s reasonable request, all depictions of such Marks which the Using Party intends to use will
be submitted to the Owning Party for approval of design, color, or other details. The Parties agree in good faith to discuss the uses of Marks during the Term relating to the Services. 

  
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 (d) Except as specifically provided herein, Bank of America does not grant to Supplier any
right or license, express or implied, in the Bank of America Materials or any other Bank of America Intellectual Property. Except as specifically provided herein or as otherwise agreed by the Parties in writing, Supplier does not grant to Bank of
America any right or license, express or implied, in the Supplier Technology provided hereunder or any other Supplier Intellectual Property Rights. 

(e) Except as expressly agreed otherwise by the Parties in writing, Bank of America shall not (a) reverse engineer, disassemble, decompile
or otherwise attempt to derive source code from the Supplier Technology, (b) make the Supplier Technology available to any third parties other than as expressly permitted in this Agreement, (c) modify, adapt, translate or create derivative
works based on the Supplier Technology, (d) reproduce any portion of the Supplier Technology except as expressly permitted herein, or (e) permit or authorize any party to do any of the foregoing. 

26.5 Data Feeds. During the term of the Agreement, Bank of America shall make available to Yodlee an API for the
purpose of Yodlee having access to Bank of America customer consumer account data related to Bank of America consumer customers who have signed up for Yodlee’s financial aggregation services. Yodlee shall comply with the confidentiality and
information security obligations set forth in the Agreement with respect to the handling of such data, and without limitation of the foregoing, Yodlee shall access such API and customer data for the sole purpose of assembling, aggregating and
providing such data to the Bank of America customer to whom such data relates. For avoidance of doubt, such data constitutes Confidential Information of Bank of America. During the term of the Agreement, the parties shall use commercially reasonable
efforts to find more efficient ways in which such data may be accessed by Yodlee consistent with the terms and provisions of the Agreement, including, but not limited to, the confidentiality and information security obligations of this Agreement. In
the event of a conflict between this provision and the provisions of the section of the Agreement entitled “Confidentiality and Information Security”, the “Confidentiality and Information Security” section shall govern. In any
event, subject to its compliance with applicable data privacy laws and regulations, Yodlee shall be entitled to use for the benefit of, and disclose to, a consumer customer then actively subscribing to Yodlee’s financial aggregation services,
that consumer customer’s account data in connection with Yodlee providing financial aggregation services to that consumer customer. For avoidance of doubt, nothing in this Section prevents Bank of America from offering similar APIs or data
feeds to other parties. 
  

	
	
27.0      MISCELLANEOUS

 27.1 Bank of America and Supplier represent that they are equal opportunity employers and do
not discriminate in employment of persons or awarding of subcontracts because of a person’s race, sex, age, religion, national origin, veteran or handicap status. Supplier is aware of and fully informed of Supplier’s responsibilities and
agrees to the provisions under the following: (a) Executive Order 11246, as amended or superseded in whole or in part, and as contained in Section 202 of the Executive Order as found at 41 C.F.R. § 60-1.4(a)(1-7);
(b) Section 503 of the Rehabilitation Act of 1973 as contained in 41 C.F.R. § 60-741.4; and (c) The Vietnam Era Veterans’ Readjustment Assistance Act of 1974 as contained in 41 C.F.R. § 60-250.4. 

27.2 Section headings are included for convenience or reference only and are not intended to define or limit the scope of any
provision of this Agreement and should not be used to construe or interpret this Agreement. 
 27.3 No delay, failure or
waiver of either Party’s exercise or partial exercise of any right or remedy under this Agreement shall operate to limit, impair, preclude, cancel, waive or otherwise affect such right or remedy. Any waiver by either Party of any provision of
this Agreement shall not imply a subsequent waiver of that or any other provision of this Agreement. 

  
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Terms and Conditions 
  

 27.4 If any provision of this Agreement is held invalid, illegal or
unenforceable, the validity, legality or enforceability of the remaining provisions shall in no way be affected or impaired thereby. 

27.5 No amendments of any provision of this Agreement shall be valid unless made by an instrument in writing signed by both
Parties specifically referencing this Agreement. Notwithstanding anything therein to the contrary, the terms of any Order to this Agreement shall supplement and not replace or amend the terms or provisions of this Agreement and the terms and
provisions of this Agreement shall control in the event of any conflict between such terms thereof and the terms and provisions of this Agreement and such conflict shall be resolved in favor of the express terms and provisions of this Agreement. The
terms and provisions of this Agreement shall be incorporated by reference into any Order to this Agreement. 
 27.6 Anything
in this Agreement to the contrary notwithstanding, the Parties hereby agree that thirty (30) calendar days after written notice by Bank of America of any amendment to this Agreement for compliance with a change in federal law, rule or
regulation affecting financial services companies or the suppliers of financial services companies, this Agreement shall be amended by such notice and the amendment contained therein and without need for further action of the Parties, and the
Agreement, as amended thereby, shall be enforceable against the Parties, their successors and assigns. The notice provided hereunder shall set forth such change and provide the relevant amendment to the Agreement. Bank of America shall have the
right to terminate immediately the Agreement, without further liability to Supplier, in the event of Supplier’s failure to comply with the terms and conditions of any such amendment to the Agreement. 

27.7 This Agreement may be executed by the Parties in one or more counterparts, and each of which when so executed shall be an
original but all such counterparts shall constitute one and the same instrument. 
 27.8 The remedies under this Agreement
shall be cumulative and are not exclusive. Election of one remedy shall not preclude pursuit of other remedies available under this Agreement or at law or in equity. In arbitration a Party may seek any remedy generally available under the governing
law. 
 27.9 Notwithstanding the general rules of construction, both Bank of America and Supplier acknowledge that both
Parties were given an equal opportunity to negotiate the terms and conditions contained in this Agreement, and agree that the identity of the drafter of this Agreement is not relevant to any interpretation of the terms and conditions of this
Agreement. 
 27.10 All notices or other communications required under this Agreement shall be given to the Parties in
writing to the applicable addresses set forth on the signature page, or to such other addresses as the Parties may substitute by written notice given in the manner prescribed in this Section as follows: (a) by first class, registered or
certified United States mail, return receipt requested and postage prepaid, (b) over-night express courier or (c) by hand delivery to such addresses. Such notices shall be deemed to have been duly given (i) five (5) Business Days
after the date of mailing as described above, (ii) one (1) Business Day after being received by an express courier during business hours, or (iii) the same day if by hand delivery. 

27.11 Wherever this Agreement requires either Party’s approval or consent such approval or consent shall not be
unreasonably withheld or delayed. 
 27.12 This Agreement shall be binding upon, and inure to the benefit of, the Parties
and their respective permitted successors and assigns. Except as expressly set forth in this Agreement and with the exception of the Affiliates of Bank of America, the Parties do not intend the benefits of this Agreement to inure to any third party,
and nothing contained herein shall be construed as creating any right, claim or cause of action in favor of any such other third party, against either of the Parties hereto. 

27.13 Any transaction undertaken pursuant to this Agreement in which Supplier furnishes services shall be governed by Article
2 of the Uniform Commercial Code as if the services were goods, unless the applicable law of the state of the governing law expressly otherwise provides. 

  
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	  	General Services Agreement

Terms and Conditions 
  

	
	
28.0      ENTIRE AGREEMENT

 This Agreement, together with the Schedules, and other documents incorporated herein by reference, represent
the final, full and exclusive expression of the agreement of the Parties on the subject matter hereof and supersedes all prior agreements, understandings, writings, proposals, representations and communications, oral or written, of either Party with
respect to the subject matter hereof and the transactions contemplated hereby. The Parties agree to accept a digital image of this Agreement, as executed, as a true and correct original and admissible as best evidence to, the extent permitted by a
court with proper jurisdiction. 

  
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omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	 SCHEDULE A-1

Service Specifications – Aggregation Services

 SCHEDULE A-1 

AGGREGATION SERVICES 
 Yodlee will
provide the Services set forth herein. 
 Both parties agree to use commercially reasonable efforts to fully implement and launch PFM 10 Services by no
later than March 31, 2012. Subject to, and not limitation of, all rights and remedies available to Bank of America, and the obligations of Supplier, under the Agreement and the Schedules thereto (including, but not limited to, any termination
rights available to Bank of America), Bank of America shall use commercially reasonable efforts to offer the Hosting Services to Registered Users throughout the SCHEDULE TERM (as defined below). 

During the term of this Schedule, Supplier shall provide the financial aggregation applications and services described herein to the following divisions of
Bank of America (and any successor divisions thereto): the Consumer/Small Business Banking Division (the “Contracting Divisions”). 
 1.
Definitions. All capitalized terms not defined elsewhere in the Agreement or in this Schedule shall have the meanings given them below. 

Application – means a software application that receives, uses, displays and manipulates Registered User data supplied via the SDK Service for the
exclusive use of Bank of America, its Affiliates and the Registered Users. The applications are created through the use of the SDK service. 
 Active
User – A Registered User is considered “Active” for billing purposes with respect to any calendar month if the Registered User has logged into the Hosted Service, or received an alert or whose Held or Held Away Account was
refreshed due to a batch feed update or with respect to whom an SDK request was made, in the previous [****]. For avoidance of doubt, as of the date the parties have entered into this SCHEDULE, Bank of America has not agreed to use the
“alert” or “batch feed update” functionality or services, and such functionality or services shall not be implemented until such time as Bank of America has consented in writing to their implementation and use. The term
“Active User” is used in SCHEDULE B-1 of the Agreement for purposes of calculating certain Service fees. 
 Co-Brand Deployment Kit or
CBDK – means the generally available version, as of October 1, 2011, of the “Co-Brand Deployment Kit”, which shall be provided to Bank of America in the form of a document for completion by Bank of America. Such completed
file shall to be used in connection for establishment of the Hosted Service listed below, as delivered by Supplier to Bank of America. 
 Cut-Over
Date – the date that Supplier ceases to host PFM 9.x for the benefit of the Consumer/Small Business Banking Division and their Registered Users, and the date that Supplier commences to host PFM 10.x for the benefit of the Consumer/Small
Business Banking Division and their Registered Users. The parties shall mutually agree as to the Cut-Over Date. 
 Bank of America Site – means
Bank of America site on the World Wide Web located at Uniform Resource Locators (“URL”) www.bankofamerica.com, or such other site as Bank of America may designate from time to time. 

Data Source – a single data source from which Supplier can dynamically extract information to be displayed in the Services. A single data source
is a collection of data at one location or web site. 
 Data Source Provider – a company or other entity that provides, maintains, operates or
is otherwise responsible for any Data Source. 
 **** Certain information on this page has been omitted and filed separately with the Securities and
Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE A-1
 Service
Specifications – Aggregation Services

  

 Held Account – means a Registered User’s Bank of America personal deposit or credit card
account that is linked to the Hosted Service or SDK Service or any account a Registered User has with Bank of America’s Affiliates. 
 Held Away
Account – means a Registered User’s account with a financial institution or other third party other than Bank of America that is linked to the Hosted Service or SDK Service. 

Hosted Service – means the hosting, maintenance, support and provision of PFM 9 and/or PFM 10 (or such other mutually agreed upon updated/upgraded
version of Supplier’s PFM application), for the use and benefit of Bank of America and the Registered Users in accordance with the terms of this Schedule. 

Integrated Service – means the service provided through the integration of the SDK Service and the Application pursuant to this Schedule. 

Integrated Service Pages – means all pages on which the Integrated Service is displayed or made available for use by Registered Users. 

Registered User – any customer of the Contracted Divisions who registers, or is registered by Bank of America, to use the Hosted Services and/or
Integrated Services. 
 SDK means the 10.x version of the Supplier platform software development kit for Supplier’s PersonalFinance product.

 SDK Service means the service provided by Supplier to supply Registered User data to Applications developed with the SDK. 

Service Pages means all pages on which the Hosted Service is displayed or made available for use by Registered Users. 

Upgrade – means a new version of a software application which adds or replaces functional capabilities from those capabilities existing in the
previous version of such software application. 
 2. Term. The initial term of this Schedule shall commence on October 1, 2011 and shall
continue through December 31, 2014 (“Schedule Initial Term”). So long as the Agreement is then in effect, Bank of America may renew this Schedule for successive one year terms (a “Schedule Renewal Term”), subject to Bank of
America providing at least 30 days written notice of such renewal prior to the expiration of the then current term. The Schedule Initial Term and any Renewal Term(s) of this Product Schedule are the “Schedule Term.” This Schedule may be
terminated in accordance with the applicable provisions of the Agreement and/or Schedules. 
 3. Hosted Services Offering. 

(a) PFM 9 PFM 9.x is an online personal, financial management application that allows Registered Users of the Consumer/Small Business Banking
Division to view, manage and transact upon all their financial accounts (whether or not such accounts are a Held Account or a Held Away Account). As of the date hereof, Supplier continues to host, and the Consumer/Small Business Banking Division and
their customers continue to use, PFM 9.x. During the term of this Schedule until the Cut-Over Date (the “PFM 9 Service Period”), Supplier shall continue to host, make available, maintain, operate and support PFM 9 for the benefit of the
Consumer/Small Business Banking Division and their customers in accordance with the service levels set forth in Schedule C-1 of the Agreement. Supplier shall ensure that during the PFM 9 Service Period, the PFM 9 Hosted Service shall include, at a
minimum, the following key features (“PFM 9 Key Features”): 
  

	 	•	 	Account Details 

  

	 	•	 	Transaction Register for single account and across multiple accounts 

  

	 	•	 	Unlimited transaction history 

  
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SCHEDULE A-1
 Service
Specifications – Aggregation Services

  

	 	•	 	Running Balance 

  

	 	•	 	Projected Balance 

  

	 	•	 	Transaction Search 

  

	 	•	 	Account and Transaction memo 

  

	 	•	 	Transaction Categorization 

  

	 	•	 	Transaction Classification 

  

	 	•	 	Automatic Display of the Held Accounts for a Registered User 

  

	 	•	 	Budgeting Tools 

  

	 	•	 	Easy to create and maintain online budget 

  

	 	•	 	Weekly and Monthly Status Report 

  

	 	•	 	Category threshold alerts 

  

	 	•	 	Budget vs. Actual report 

  

	 	•	 	PFM Reports 

  

	 	•	 	Expense Analysis 

  

	 	•	 	Spending Analysis 

  

	 	•	 	Transactional Reporting 

  

	 	•	 	Credit Card Utilization Report 

  

	 	•	 	Net Worth Summary Statement 

  

	 	•	 	Account Summary 

  

	 	•	 	Dashboard 

  

	 	•	 	Rewards Manager 

  

	 	•	 	Portfolio Manager 

  

	 	•	 	Rich Data for up and cross sell 

  

	 	•	 	Fully Customizable user interface 

 (b) PFM 10. PFM 10.x is an Upgrade of
Supplier’s PFM 9 online personal, financial management application. PFM 10 shall include the following key features as core Yodlee FinApps (“PFM 10 Key Features”): 

 

	 	•	 	Account Management 

  

	 	•	 	Ability to view, manage, set up alerts, share, view charts for all account data 

  

	 	•	 	Transaction Management 

  

	 	•	 	Ability to view transactions with category, modify, recategorize, manage categories, split etc. 

  

	 	•	 	Budgeting 

  

	 	•	 	Ability to budget for fixed and discretionary expenses, budget for categories, set up budget alerts, view charts 

  

	 	•	 	Spending Reports 

  

	 	•	 	Ability to view category wise spent data over a time period 

  

	 	•	 	Net Worth 

  

	 	•	 	Ability to view net worth and view net worth change charts 

  

	 	•	 	Portfolio Manager 

  

	 	•	 	Ability to track investment accounts and holdings 

  

	 	•	 	Bill Reminder 

  

	 	•	 	Ability to add a bill and set up reminders on bill due, new bill etc. 

  

	 	•	 	Save for a Goal 

  

	 	•	 	Ability for a Registered User to create a goal and track progress 

  
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SCHEDULE A-1
 Service
Specifications – Aggregation Services

  

 From and after the Cut-Over Date and through the end of the Schedule Term, Supplier shall host, make
available, maintain, operate and support PFM 10.x for the benefit of the Consumer/Small Business Banking Division and their customers in accordance with the service levels set forth in Schedule C-1 of the Agreement. Except as set forth in the
Agreement, this Schedule any other Schedules thereto, Supplier shall make available to the Consumer/Small Business Banking Division and their customers the standard version of PFM 10.x that Supplier generally makes available to its commercial and
consumer customers. The parties shall use commercially reasonably efforts to implement the Cut-Over Date by March 31, 2012. 
 (c) Notwithstanding
anything herein to the contrary, (i) Supplier shall not deploy, make available or provide links to any paid FinApps or a FinApp Store, or any similar service offerings, as part of the Hosted Service without the advance written approval of Bank
of America; (ii) Supplier shall not materially modify the functionality of the Hosted Services used by Bank of America or its Registered Users, or eliminate a feature of the Hosted Services used by Bank of America or its Registered Users,
without the advance written approval of Bank of America; (iii) Bank of America may use the Supplier provided CBDK to modify and configure the Hosted Service; and (iv) the Hosted Service shall have the look and feel of a Bank of America web
site and Bank of America shall have the right to approve the look and feel of the Hosted Service and the use of any Bank of America brands, logos and marks used in connection with the Hosted Service. 

(d) The Service Pages for the Hosted Service will be served on a single URL as determined by Bank of America in its sole discretion. 

(e) Service Pages will be constructed with Supplier core FinApps as described above in PFM 10 Key Features. Supplier FinApps can reside inside the Hosted
service pages hosted by Supplier or within the online banking pages hosted by the Bank of America. Unless otherwise agreed to by Bank of America in writing, all FinApps available as part of the Hosted Service shall be owned by Supplier and shall be
made available without charge to Registered Users. Such FinApps shall be hosted by Yodlee. The Hosted Service and the FinApps shall not contain any computer instructions, software code, or other technological means whose purpose is to disrupt,
damage or interfere with the computers and systems of Bank of America or Registered Users. 
 (f) The Service Pages will be hosted solely by Supplier and
all Supplier Technology shall be exclusively hosted, maintained and operated by Supplier. Bank of America shall maintain, operate, serve and otherwise be responsible for the Bank of America Site. 

(g) Bank of America shall not repackage, redistribute, divert, license, rent, or resell Registered User relating to Held Away Accounts to or for the benefit
of any third party (other than to Registered Users to whom the data relates). 
 (h) With respect to PFM 10.x all Service Site pages or components Supplier
develops or hosts that will be branded with the Bank of America name or logo, shall have the “look and feel” of Bank of America Web Sites. All Web Site hosting services Supplier provides, shall conform to the “Web Content
Accessibility Guidelines,” of the Worldwide Web Consortium available at. http://www.w3.org/TR/WCAG20/. Supplier shall comply with “Conformance Level Double-A,” which provides for satisfaction of Priority 1 and 2 Checkpoints, as
defined in such guidelines. Supplier shall, at its expense, promptly revise or modify Service Site pages or components developed, or Service Site hosting services provided, by Supplier to bring them into compliance with such guidelines as reasonably
determined by Bank of America. 

  
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SCHEDULE A-1
 Service
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 4. SDK Service Offering 

(a) License Grant. During the Schedule Term, Supplier hereby grants to Bank of America a nonexclusive, nontransferable, limited right and license to
use the SDK solely as necessary to develop and integrate (or have developed and integrated for it) the Applications for use on the Bank of America Site by Registered Users which, through use of the SDK, allow Registered Users to add accounts and
retrieve information on those accounts. Such Applications shall be distributed by Bank of America directly to such Registered Users. Notwithstanding any other provision, Bank of America shall not distribute, re-distribute, white label, co-brand,
and/or sub-brand the Application and/or Integrated Services to any third party that provides financial services, financial advice, or financial products or to any other entity or association. Bank of America shall not use the SDK for any other
purpose, including but not limited to (1) payments or money transfers of any type, (2) consumer personal finance applications where the end user is not an individual consumer, (3) electronic funds transfers, (4) bill payment
applications, (5) account opening or identity verification/authentication applications, (6) enterprise single sign-on applications, or (7) market research applications. 

(b) Applications. Bank of America shall be solely responsible for (i) providing, operating and maintaining the Applications and hosting the
Applications for the Bank of America Site, and (ii) serving, operating and maintaining the Integrated Service, the Integrated Service Pages and the Bank of America Site. 

(c) Use of Registered User Data. Bank of America shall use the Registered User data related to Held Away Accounts solely on Bank of America Site(s) for
the Application in the Integrated Service and shall not display the Registered User data related to Held Away Accounts on any other web site. Furthermore, Bank of America shall not repackage, redistribute, divert, license, rent, or resell Registered
User data related to Held Away Accounts to or for the benefit of any third party. 
 5. Required Documentation 

The Hosted Service shall also include the following: 
 (a) Terms
and Conditions between Registered Users and Bank of America. During the term of this Agreement, Bank of America may promulgate terms and conditions for the use of the Hosted Service by its Registered Users. The terms and conditions in effect as of
October 1, 2011 are set forth on Attachment 1 hereto. Bank of America may change such terms and conditions from time to time. 
 (b) DURING THE
SCHEDULE TERM, SUPPLIER WILL MAINTAIN, AND WILL PROMPTLY PROVIDE TO BANK OF AMERICA, UPON ITS REQUEST THE FOLLOWING DOCUMENTATION. 
 Operational
Documentation: 
  

	 	•	 	Change Management policy and procedures 

  

	 	•	 	Network Diagrams 

  

	 	•	 	Business Continuity Plan 

  

	 	•	 	Disaster Recovery Plan 

 Supplier can make the documents below available during any site visit
by Bank of America. As per Supplier’s standard security practice, certain documentation is limited to on-site reviews. 
  

	 	•	 	Operations Run Book 

  

	 	•	 	Network/Systems Mapping list (VIPs, etc.) 

  

	 	•	 	Backup and Restore Procedures 

  

	 	•	 	O/S Secure Build documentation 

  

	 	•	 	Capacity models 

  

	 	•	 	Supplier data base inventory and management 

  

	 	•	 	Oracle Backup procedures 

  

	 	•	 	SLA Reporting – Systems Administrator Guide 

  
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SCHEDULE A-1
 Service
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	 	•	 	SLA Reporting – Systems Operator Guide 

  

	 	•	 	Supplier Monitoring Systems Design document 

  

	 	•	 	Root Cause Analysis policy and procedure 

  

	 	•	 	Keynote and Segue Monitoring systems and guides 

  

	 	•	 	Batch processing tracking and reporting 

  

	 	•	 	Centrify Systems Administrators Guide 

  

	 	•	 	Security Documentation 

  

	 	•	 	Security Policy Summary 

 Product Documentation: 

 

	 	•	 	Supplier PersonalFinance Product Description 

  

	 	•	 	SAML Implementation Guide 

  

	 	•	 	Alerts Implementation Guide 

  

	 	•	 	Cobrand Deployment Kit (CBDK) 

 In the event of a conflict between any of the above Documentation and the
Agreement and/or this Schedule, the Agreement and this Schedule shall govern. 
 6. Development and Configuration of Integrated Service and Hosted
Service 
 (a) Development Environment. Bank of America shall have access to a development environment beginning on the Delivery Date, to
build and test the Applications and the Integrated Services (the “Development Period”). The Development Environment shall consist of a test SDK Service and a database with sufficient storage capacity sufficient to store 3,000 accounts.
Bank of America shall be solely responsible for providing its own user accounts for testing purposes. 
 (b) Production Environment. Upon Bank of
America’s request (but no later than the end of the Development Period, unless otherwise mutually agreed), Bank of America’s SDK will be transferred to a production environment in order for Bank of America to commercially launch the
Applications and the Integrated Services. Bank of America will have access to the production environment for the remainder of the Term. 
 7. Data
Sources Service 
 (a) Data Sources. Bank of America shall determine which Data Sources shall be available for users to access via the Hosted
Service and Integrated Service. Such selection shall be made from the master Data Source list supplied by Supplier from time to time. At a minimum, at the time of the Cut-Over Data, Data Sources shall be available from each of the Data Source
Providers listed in Section 7(d) below. 
 (b) Bank of America Data Source Recommendations. Bank of America shall have the right to recommend
Data Sources to Supplier for inclusion in the Services that are not then made available by Supplier for inclusion in the Services, Upon receiving any such recommendation, Supplier will use reasonable efforts to establish an agreement with the
appropriate Data Source Provider for the inclusion of the recommended Data Source, provided that Supplier shall not be required to include such Data Source or pay or agree to pay any royalty or other compensation to the Data Source Provider. Upon
Supplier’s request, Bank of America shall provide contact information for a Data Source Provider to Supplier for the purpose of establishing a relationship with such appropriate Data Source Provider for any recommended Data Source. 

(c) Data Source Referrals. For any Data Source Provider that expresses to Bank of America an interest in participating in one or more of the Services,
Bank of America shall make commercially reasonable efforts to: (i) refer such Data Source Provider to Supplier, and (ii) provide to Supplier the name and any contact information of such Data Source Provider in Bank of America’s
possession. 

  
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SCHEDULE A-1
 Service
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 (d) Removal. Notwithstanding any provision in this Agreement to the contrary, Supplier shall be
entitled to remove any Data Source from the Service upon notice to Bank of America if: (a) Supplier determines that retrieval of content or data from such Data Source violates any law, rule, regulation or court order, or (b) Supplier
receives notice or demand from the Data Source Provider responsible for such Data Source that threatens legal action based on retrieval of content or data from a Data Source. In the case where Supplier removes any Data Source as a result of
(a) or (b) above, Supplier shall give Bank of America as much advance notice of such removal as possible. In all other cases, Supplier shall notify Bank of America of Supplier’s intent to remove such Data Source at least 30 days prior
to removal of such Data Source from the Service. In addition to, and not in limitation of any other termination right in the Agreement, Bank of America reserves the right to terminate this Schedule (without any further obligation to Supplier under
this Schedule or Schedule B-1), should [****] or more of the following financial institutions (or their successors) cease being a Data Source Provider (the “Data Source Termination Event”): [****]. Bank of America may exercise such
termination right within 90 days following the date on which such Data Source Termination Event occurs. In the event Bank of America terminates this Schedule as a result of the occurrence of a Data Source Termination Event, [****]. 

8. Reports 
 Each month, Supplier will provide to
Bank of America access to the following high-level statistics concerning usage of the Hosted and Integrated Services: 
  

	 	•	 	Registered Users – added, cumulative, average 

  

	 	•	 	Active Registered Users – total, active rate, average accounts owned per user 

  

	 	•	 	Integrated Registered Users (added at least one account) – total, integration rate 

  

	 	•	 	FinApps available, FinApps purchased, Total amount 

 9. Beta 

Supplier will set up a Beta instance of the Service Pages for PFM 10.x. The Beta website will be accessible from the Service Pages as a place to showcase new
feature / functionality, but will not be used by Registered Users as part of their use of the Hosted Service. The Beta website will be maintained and operated by Supplier in consultation with the Bank of America. However, the Beta website is not
subject to standard SLAs defined elsewhere in the contract. Bank of America will control the access of the beta site for their end users. For avoidance of doubt, the Cut-Over Date will not be deemed to have occurred until PFM 10.x is operating in
full production for the Registered Users of the Bank of America. Consumer/Small Business Division on a non-Beta site. 
 10. Registration
Process 
 (a) Collection and Maintenance of Registered User Account Access Information. Supplier shall be solely responsible for collecting
and maintaining account access information provided by Registered Users for their Data Source accounts (e.g., login names, passwords, etc.) 
 (b)
Registration. Bank of America shall be solely responsible for operating and maintaining the user registration process for customers of the Contracting Divisions using the Hosted Services. Notwithstanding Bank of America’s operation and
maintenance of an independent user registration process for a Bank of America service, Supplier shall maintain all registration information for Registered Users of the Hosted Service during the Schedule Term. The Registration Process will be set up
in accordance with the CBDK. All registrations are subject to successful processing by Supplier, which shall be based on, to the extent possible, confirming the accuracy and adequacy of the registration information submitted by the registrant.
Supplier specifically reserves the right to reject any registration; provided that 

  
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SCHEDULE A-1
 Service
Specifications – Aggregation Services

  

 
such rejection is based on a determination by Supplier, in its reasonable discretion, that (a) acceptance of such a registration would result in a breach of a law, rule or regulation,
(b) such registration originated from a user known or reasonably suspected to participate in hacking or to misuse Supplier’s other services, or (c) such rejection is based on any other reason agreed to by Bank of America. 

11. Other Terms 
 (a) Registered User Data.
Bank of America shall own, and Bank of America’s privacy policy and information security policy shall govern, the use of all Registered User information, Customer Information, Consumer Information and registration data (collectively,
“Protected Information”). For avoidance of doubt, with respect its handling and processing of the Protected Information and its performance of the Hosted Services, Supplier shall at all times comply with the “Confidentiality and
Information Protection” section of the Agreement and SCHEDULE D of the Agreement. 
  

	(b)	Customizations. The following aspects of the Hosted Service and Integrated Service are not customizable: 

  

	 	•	 	The financial account categories used for classifying financial data in the Hosted Service (e.g., bank, investment, credit cards) 

 

	 	•	 	The Data Sources made available by Supplier for inclusion in the Hosted and Integrated Services. 

  

	 	•	 	The names of the categories and Data Sources. 

  

	 	•	 	The information retrieved from each Data Source. 

 (c) Content Distribution Network. Static content in
Yodlee’s hosted application and FinApps are served using CDN (Content Distribution Network). Images, text, Flex files and style sheets are some examples of content which are served through geographically distributed CDN servers. No personally
identifiable information is served through CDN. In order to facilitate this, Bank of America hereby authorizes Yodlee and the CDN provider to pull a certificate on behalf of the Company. 

12. Branding of Certain Content 
 In connection
with Supplier’s provision of the following data to Bank of America, the parties agree to the following additional terms concerning the following data and functionality: 

(a) Zillow Terms. In connection with Supplier’s provision of the Zillow.com data to the Contracted Divisions and their customers, the parties
agree: 
 (i) The Zillow.com data and Zillow service are provided AS IS. Supplier is not responsible for the accuracy or
reliability of any data from Zillow.com, or for any interruptions in the availability of the Zillow.com service, whether the result of actions by Zillow or any third party. 

(ii) Zillow data will not be used for any purpose other than for the individual use by Registered Users as part of the Hosted
or SDK Service. 
 13. Functional Specifications. The functional specifications associated with PFM 10.x are set forth in the documents below
(all of which have been provided to Bank of America on or prior to October 1, 2011). In the event of a conflict between the documents listed below and this Agreement (including this SCHEDULE), the Agreement (and/or this SCHEDULE) shall control.

 Yodlee PersonalFinance Product Description v.10.x 
 SAML
Implementation Guide v. 10.x Alerts Implementation Guide v. 10.x 
 Cobrand Deployment Kit (CBDK) v. 10.x 

  
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 Service
Specifications – Aggregation Services

  

 14. Storage Capacity. Supplier shall provide and is responsible for maintaining sufficient
storage capacity to the server or servers on which PFM 9 and/or PFM 10 is loaded. Supplier’s application servers and other servers only store application code and system and application logs – Registered User data is not stored on servers.
Supplier uses a large storage array that currently has approximately 6 terabytes of usable storage space. This storage array is where Registered User data is stored. Supplier’s capacity management function will monitor and track the utilization
of this space (both at a data base table level and physical space level) and increase capacity as needed. Supplier shall ensure that it maintains sufficient capacity in its Registered User data to ensure the operation of the Hosted Services in
conformance with this Schedule and the SCHEDULE C-1 to the Agreement, including sufficient free space on the storage array. 
 15. Batch
Operations. Supplier provides a daily batch file containing user specific data on held away accounts for Loans/Investment/Banking containers. This data is used by Bank of America for cross sell marketing purposes. 

16. Guaranteed Bandwidth. [Initial guaranteed bandwidth for Supplier is set below (ex: 512kbps) with bursting above see below (ex: 512kbps)
allowed. If bandwidth requirements are consistently above see below (ex: 512kbps), Supplier shall provide an upgrade. Supplier hosts its production services from a Tier 1 network provider (Savvis Communications). Supplier’s Internet access is a
100 MB connection. So, user and batch traffic runs over this bandwidth availability and Supplier monitors it on a daily, weekly, and monthly basis. This bandwidth supports all Supplier clients and currently peaks at approximately 65 MB. If the total
bandwidth utilization is consistently above 80%, Supplier will provision more bandwidth. For dedicated circuits, Supplier-Bank of America dedicated circuits, Supplier will monitor these and inform Bank of America when additional bandwidth is
required (Bank of America is owner of records for dedicated circuits). For dedicated circuits, if Bandwidth utilization is above 60%, Supplier will begin the process of upgrades with Bank of America. 

17. Tape Back Up and Recovery. Notwithstanding the provisions of Section 3 of SCHEDULE F-1 to the Agreement, daily full backups and no
incremental backups will be performed. Each week, a complete set of backups will be taken from the hosting facility and stored off site. Supplier will respond to requests for restoration of site content from backup tapes within [****] at primary
site and [****] at a Disaster Recovery site. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE A-1
 Service
Specifications – Aggregation Services

  

 ATTACHMENT 1: 

TERMS OF USE 
 Description of My Portfolio 

My Portfolio is a personal information management service that allows you to better manage your information by consolidating it in one place. My Portfolio uses
proprietary technology to allow you to retrieve, view, and maintain information you have available at various web sites you designate, but all within one convenient service. All of the accounts linked to your Access ID through Online Banking from
Bank of America are automatically added to My Portfolio. 
 You may add information about accounts accessible at other web sites that you maintain at other
institutions, including Merrill Lynch, Pierce, Fenner & Smith Incorporated. When you use My Portfolio to access a third party web site you designate, you agree to the following: 1) You authorized Bank of America and its providers to access
the third party web sites and accounts you designate to retrieve account information on your behalf, and you appoint us as your agent for this limited purpose. In addition, you hereby grant Bank of America and its providers as your true and lawful
attorney-in-fact, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party web sites, retrieve account information, and use your 

information, for the purpose of accessing your accounts and operating My Portfolio, with full power and authority to do and perform each and every act and
thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. 2) You represent that you are a legal owner of the accounts at third party web sites which you
include in My Portfolio and that you have the authority to (i) designate us as your agent, (ii) use My Portfolio and (iii) give us your passwords, usernames, and all other information you provide. 3) YOU AGREE AND ACKNOWLEDGE THAT
WHEN WE ACCESS AND RETRIEVE INFORMATION FROM THE THIRD PARTY WEB SITE, WE ACT AS YOUR AGENTS, AND NOT THE AGENTS OR ON BEHALF OF THE THIRD PARTY. 4) My Portfolio does not have the capability to initiate transactions affecting your financial accounts
or provide notices or instructions affecting such financial accounts. When you access a third party web site through My Portfolio, you open a new browser window to directly connect you to the third party web site and submit information you have
designated to allow further access to that site. Transactions and inquiries you initiate at such a site are not made through My Portfolio, and we have no responsibility for such transactions. You are responsible for all fees charged by the third
party in connection with such transactions and accounts, and you agree to comply with the terms and conditions of those accounts. If you have a dispute or question about any transaction on such site, you agree to direct these to the account
provider. 5) Third party web sites shall be entitle to rely on the above authorizations, agency and power of attorney granted by you. 6) My Portfolio is not sponsored or endorsed by any providers of the third party accounts you access through My
Portfolio, except for affiliates of Bank of America. 7) Balances shown on My Portfolio reflect the most recent refresh and may not be accurate if a refresh was not successfully completed or the information obtained during the refresh from the third
party is otherwise not accurate or current. Data and information is provided for informational purposes only, and is not intended for trading or transactional purposes. You agree that we are not liable for any errors or delays in the content,
or for any actions taken in reliance thereon. The services which you may be able to access through My Portfolio are services of the listed institutions. My Portfolio provides links to selected institutions for your convenience only. We do not
endorse or recommend the services of any institution. The third party institution you select is solely responsible for its services to you. We are not liable for any damages or costs of any type arising out of or in any way connected with your use
of the services of 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE A-1
 Service
Specifications – Aggregation Services

  

 
the institution. 8) You may also add information into My Portfolio for accounts not available at other web sites or which are not linked to My Portfolio. In such case, you are solely responsible
for the accuracy of such information. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE A-2
 Service
Specifications – MFP Services

 SCHEDULE A-2 

MFP SERVICES / DELIVERABLES 
  

Supplier shall continue providing the My Financial Picture Services described herein to Bank of America. 

Capitalized terms used herein and not otherwise defined herein or in the Agreement shall have the meanings set forth below: 

Application – means a software application that receives, uses, displays and manipulates Registered User data supplied via the SDK
Service for the exclusive use of Bank of America, its Affiliates and the Registered Users. The applications are created through the use of the SDK service. 

Active User – A Registered User is considered “Active” for billing purposes with respect to any calendar month if the
Registered User has logged into the Hosted Service, or received an alert or whose Held or Held Away Account was refreshed due to a batch feed update or with respect to whom an SDK request was made, in the previous [****]. For avoidance of doubt, as
of the date the parties have entered into this SCHEDULE, Bank of America has not agreed to use the “alert” or “batch feed update” functionality or services, and such functionality or services shall not be implemented until such
time as Bank of America has consented in writing to their implementation and use. 
 Co-Brand Deployment Kit or CBDK – means the
generally available version, as of December 14, 2011, of the “Co-Brand Deployment Kit”, which shall be provided to Bank of America in the form of a document for completion by Bank of America. Such completed file shall be used in
connection for establishment of the Services, as delivered by Supplier to Bank of America. 
 Data Source – a single data source
from which Yodlee can dynamically extract information to be displayed in the Services. A single data source is a collection of data at one location or web site. 

Data Source Provider – a company or other entity that provides, maintains, operates or is otherwise responsible for any Data
Source. 
 Implementation Date – the date that Supplier commences to host the generally available version of the PFM service
(“Upgraded PFM”) for the benefit ML of the and their Registered Users. The parties shall mutually agree as to the Implementation Date. 

Held Account – means a Registered User’s Bank of America personal deposit or credit card account that is linked to the Hosted
Service or SDK Service or any account a Registered User has with Bank of America’s Affiliates. 
 Held Away Account – means
a Registered User’s account with a financial institution or other third party other than Bank of America that is linked to the Hosted Service or SDK Service. 

Hosted Service – means the hosting, maintenance, support and provision of Upgraded PFM (, for the use and benefit of Bank of
America and the Registered Users in accordance with the terms of this Schedule. 
 Integrated Service – means the service
provided through the integration of the SDK Service and the Application pursuant to this Schedule. 
 Integrated Service Pages –
means all pages on which the Integrated Service is displayed or made available for use by Registered Users. 
 Merrill Lynch Site
– means Merrill Lynch site on the World Wide Web located at Uniform Resource Locators (“URL”)                      or such other site
as Bank of America may determine from time to time. 
 **** Certain information on this page has been omitted and filed separately with the Securities and
Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE A-2
 Service
Specifications – MFP Services

  

 Registered User – any customer who registers, or is registered by Bank of
America, to use the Hosted Services and/or Integrated Services. 
 SDK means the version of the Supplier platform software development
kit for Supplier’s PersonalFinance product that is generally available as of the Implementation Date. 
 SDK Service means the
service provided by Supplier to supply Registered User data to Applications developed with the SDK. 
 Service Pages means all pages
on which the Hosted Service is displayed or made available for use by Registered Users. 
 Upgrade – means a new version of a
software application which adds or replaces functional capabilities from those capabilities existing in the previous version of such software application. 

Upgraded PFM – means the version that is Upgraded from Supplier’s PFM 9 online personal, financial management application.

  

	1	List of Applications (Owned by Supplier): The following is a list of the applications that will be hosted by Supplier and a brief description of each application. 

 

	 	A.	Hosted Services Offering. 

 (a) PFM 9. As of the date hereof, Supplier
continues to host PFM 9.x. During the term of this Schedule until termination of the PFM 9.x services (the “PFM 9 Service Period”), Supplier shall continue to host, make available, maintain, operate and support PFM 9 for the benefit of ML
and their customers in accordance with the service levels set forth in Schedule C-2 of the Agreement. Supplier shall ensure that during the PFM 9 Service Period, the PFM 9 Hosted Service shall include, at a minimum, the following key features
(“PFM 9 Key Features”): 
  

	 	•	 	Account Details 

  

	 	•	 	Transaction Register for single account and across multiple accounts 

  

	 	•	 	Unlimited transaction history 

  

	 	•	 	Running Balance 

  

	 	•	 	Projected Balance 

  

	 	•	 	Transaction Search 

  

	 	•	 	Account and Transaction memo 

  

	 	•	 	Transaction Categorization 

  

	 	•	 	Transaction Classification 

  

	 	•	 	Budgeting Tools 

  

	 	•	 	Easy to create and maintain online budget 

  

	 	•	 	Weekly and Monthly Status Report 

  

	 	•	 	Category threshold alerts 

  

	 	•	 	Budget vs. Actual report 

  

	 	•	 	PFM Reports 

  

	 	•	 	Expense Analysis 

  

	 	•	 	Spending Analysis 

  

	 	•	 	Transactional Reporting 

  

	 	•	 	Credit Card Utilization Report 

  

	 	•	 	Net Worth Summary Statement  

  

	 	•	 	Account Summary 

  

	 	•	 	Dashboard 

  

	 	•	 	Rewards Manager 

  
 **** Certain information on this
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SCHEDULE A-2
 Service
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	 	•	 	Portfolio Manager 

  

	 	•	 	Rich Data for up and cross sell  

  

	 	•	 	Fully Customizable user interface  

  

	 	•	 	Bill Reminder 

 (b) Upgraded PFM. The Upgraded PFM shall include the
following key features as core Yodlee FinApps (“Upgraded PFM Key Features”): 
  

	 	•	 	Account Management 

  

	 	•	 	Ability to view, manage, set up alerts, share, view charts for all account data 

  

	 	•	 	Transaction Management 

  

	 	•	 	Ability to view transactions with category, modify, recategorize, manage categories, split etc. 

  

	 	•	 	Budgeting 

  

	 	•	 	Ability to budget for fixed and discretionary expenses, budget for categories, set up budget alerts, view charts 

  

	 	•	 	Spending Reports 

  

	 	•	 	Ability to view category wise spent data over a time period 

  

	 	•	 	Net Worth 

  

	 	•	 	Ability to view net worth and view net worth change charts 

  

	 	•	 	Portfolio Manager 

  

	 	•	 	Ability to track investment accounts and holdings 

  

	 	•	 	Bill Reminder 

  

	 	•	 	Ability to add a bill and set up reminders on bill due, new bill etc. 

  

	 	•	 	Save for a Goal 

  

	 	•	 	Ability for a Registered User to create a goal and track progress 

 From and after the
Implementation Date and through the end of the Schedule Term, Supplier shall host, make available, maintain, operate and support the Upgraded PFM for the benefit of ML and its customers in accordance with the service levels set forth in Schedule C-2
of the Agreement. Except as set forth in the Agreement, this Schedule any other Schedules thereto, Supplier shall make available the standard version of the Upgraded PFM that Supplier generally makes available to its commercial and consumer
customers. 
 (c) Notwithstanding anything herein to the contrary, (i) Supplier shall not deploy, make available or provide links to any
paid FinApps or a FinApp Store, or any similar service offerings, as part of the Hosted Service without the advance written approval of Bank of America; (ii) Supplier shall not materially modify the functionality of the Hosted Services used by
Bank of America or its Registered Users, or eliminate a feature of the Hosted Services used by Bank of America or its Registered Users, without the advance written approval of Bank of America; (iii) Bank of America may use the Supplier provided
CBDK to modify and configure the Hosted Service; and (iv) the Hosted Service shall have the look and feel of a Bank of America web site and Bank of America shall have the right to approve the look and feel of the Hosted Service and the use of
any Bank of America brands, logos and marks used in connection with the Hosted Service. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE A-2
 Service
Specifications – MFP Services

  

 (d) The Service Pages for the Hosted Service will be served on a single URL as determined by
Bank of America in its sole discretion. 
 (e) Service Pages will be constructed with Supplier core FinApps as described above in Upgraded
PFM Key Features. Supplier FinApps can reside inside the Hosted service pages hosted by Supplier or within the online banking pages hosted by the Bank of America. Unless otherwise agreed to by Bank of America in writing, all FinApps available as
part of the Hosted Service shall be owned by Supplier and shall be made available without charge to Registered Users. Such FinApps shall be hosted by Yodlee. The Hosted Service and the FinApps shall not contain any computer instructions, software
code, or other technological means whose purpose is to disrupt, damage or interfere with the computers and systems of Bank of America or Registered Users. 

(f) The Service Pages will be hosted solely by Supplier and all Supplier Technology shall be exclusively hosted, maintained and operated by
Supplier. Bank of America shall maintain, operate, serve and otherwise be responsible for the Bank of America Site. 
 (g) Bank of America
shall not repackage, redistribute, divert, license, rent, or resell Registered User relating to Held Away Accounts to or for the benefit of any third party (other than to Registered Users to whom the data relates). 

(h) With respect to the Upgraded PFM, all Service Site pages or components Supplier develops or hosts that will be branded with the Bank of
America name or logo, shall have the “look and feel” of Bank of America Web Sites. All Web Site hosting services Supplier provides, shall conform to the “Web Content Accessibility Guidelines,” of the Worldwide Web Consortium
available at. http://www.w3.org/TR/WCAG20/. Supplier shall comply with “Conformance Level Double-A,” which provides for satisfaction of Priority 1 and 2 Checkpoints, as defined in such guidelines. Supplier shall, at its expense,
promptly revise or modify Service Site pages or components developed, or Service Site hosting services provided, by Supplier to bring them into compliance with such guidelines as reasonably determined by Bank of America. 

 

	 	B.	SDK Service Offering. 

 (a) During the term, Supplier hereby grants to Bank of America a
nonexclusive, nontransferable, limited right and license to use the SDK solely as necessary to develop and integrate (or have developed and integrated for it) the Applications for use on the Bank of America Site by Registered Users which, through
the use of the SDK, allow Registered Users to add accounts and retrieve information on those accounts. Notwithstanding any other provision, Bank of America shall not distribute, re-distribute, white label, co-brand, and or sub-brand an Application
and/or Integrated Services to any entity that provides financial services, financial advice, or financial products or to any other entity or association. Bank of America shall not use the SDK for any other purpose, including but not limited to
(1) payments or money transfers of any type, (2) consumer personal finance applications where the end user is not an individual consumer, (3) electronic funds transfers, (4) bill payment applications, (5) account opening or
identity verification/authentication applications, (6) enterprise single sign-on applications, or (7) market research applications. 

(b) Bank of America shall be solely responsible for (i) providing, operating and maintaining the Applications and hosting the Applications
for the Merrill Lynch site, and (ii) serving, operating and maintaining the Integrated Service, the Integrated Service web pages and the Merrill Lynch Site. 

(c) Use of Registered User Data. Bank of America shall use the Registered User data related to Held Away Accounts solely on Bank of
America Site(s) for the Application in the Integrated Service and shall not display the Registered User data on any other web site. Furthermore, Bank of America shall not repackage, redistribute, divert, license, rent, or resell Registered User data
related to the Held Away Accounts to or for the benefit of any third party. 

  
 **** Certain information on this
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SCHEDULE A-2
 Service
Specifications – MFP Services

  

	2.	Functional Specifications. The following is a list of functional specifications for hosting the applications. 

Yodlee PersonalFinance Product Description 

Yodlee Mobile Product Description 

SAML Implementation Guide 
 Alerts
implementation Guide 
 Installation Guide 

Operational Guide 
 Application
Configuration and Deployment Guide 
 Cobrand Deployment Kit (CBDK) 
  

	3.	Documentation: (ex. technical and operating manuals, database schematics, brochures or help systems). 

The latest version of Product, Operational and Security Documentation can be made available to Bank of America upon reasonable demand. This
documentation can include: 
 Operational Documentation: 
  

	 	•	 	Operations Run Book 

  

	 	•	 	Change Management policy and procedures 

  

	 	•	 	Network/Systems Mapping list (VIPs, etc.) 

  

	 	•	 	Backup and Restore Procedures 

  

	 	•	 	Network Diagrams 

  

	 	•	 	O/S Secure Build documentation 

  

	 	•	 	Capacity models 

  

	 	•	 	Business Continuity Plan 

  

	 	•	 	Disaster Recovery Plan 

  

	 	•	 	Yodlee data base inventory and management 

  

	 	•	 	Oracle Backup procedures 

  

	 	•	 	SLA Reporting – Systems Administrator Guide 

  

	 	•	 	SLA Reporting – Systems Operator Guide 

  

	 	•	 	Yodlee Monitoring Systems Design document 

  

	 	•	 	Root Cause Analysis policy and procedure 

  

	 	•	 	Keynote and Segue Monitoring systems and guides 

  

	 	•	 	Batch processing tracking and reporting 

  

	 	•	 	Centrify Systems Administrators Guide 

 Security Documentation 

 

	 	•	 	Security Policy Summary 

 Product Documentation: 

 

	 	•	 	Yodlee PersonalFinance Product Description 

  

	 	•	 	Yodlee Mobile Product Description 

  

	 	•	 	SAML Implementation Guide 

  

	 	•	 	Alerts Implementation Guide 

  

	 	•	 	Installation Guide 

  

	 	•	 	Operational Guide 

  

	 	•	 	Application Configuration and Deployment Guide 

  

	 	•	 	Cobrand Deployment Kit (CBDK) 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE A-2
 Service
Specifications – MFP Services

  

	4.	Agreement Change Control Procedure: 

 Bank of America and Supplier may request a change
to this SCHEDULE [A-2], using a Project Change Authorization form, using a format acceptable to both parties. Any change to the responsibilities defined in this SCHEDULE [A-2] may affect the charges and estimated schedule or other terms. Depending
on the scope of the change, Supplier may charge Bank of America for Supplier’s efforts required to analyze the change. Supplier shall provide Bank of America will an estimate of the charges, and will perform the analysis only upon written
authorization from Bank of America. 
 Change requests require a response from the receiving party within thirty (30) days, unless a
longer period of time is agreed to by the parties during the thirty (30) day period. 
 This SCHEDULE [A-2] shall be amended, within
thirty (30) days of approval by both parties of the change request, by issuing an Amendment to the Agreement reflecting all the changed requirements and related adjustments in professional and other fees, estimated schedule and other terms.
Supplier shall document any approved changes in a Project Change Authorization form. 
  

	5.	Other Provisions: 

  

	 	a.	Bank of America Data Source Recommendations. Bank of America shall have the right to recommend Data Sources to Yodlee for inclusion in the Services that are not then made available by Yodlee for inclusion in the
Services. Upon receiving any such recommendation, Yodlee will use reasonable efforts to establish an agreement with the appropriate Data Source Provider for the inclusion of the recommended Data Source, provided that Yodlee shall not be required to
include such Data Source or pay or agree to pay any royalty or other compensation to the Data Source Provider. Upon Yodlee’s request, Bank of America shall provide contact information for a Data Source Provider to Yodlee for the purpose of
establishing a relationship with such appropriate Data Source Provider for any recommended Data Source. 

  

	 	b.	Data Source Referrals. For any Data Source Provider that expresses to Bank of America an interest in participating in one or more of the Services, Bank of America shall make best efforts to: (a) refer such
Data Source Provider to Yodlee, and (b) provide to Yodlee the name and any contact information of such Data Source Provider in Bank of America’s possession. 

 

	 	c.	Removal. Notwithstanding any provision in this Agreement to the contrary, Yodlee shall be entitled to remove any Data Source from the Service upon notice to Bank of America if: (a) Yodlee determines that
retrieval of content or data from such Data Source violates any law, rule, regulation or court order, or (b) Yodlee receives notice or demand from the Data Source Provider responsible for such Data Source that threatens legal action based on
retrieval of content or data from a Data Source. In the case where Yodlee removes any Data Source as a result of (a) or (b) above or as the result of any unfavorable court decision relating to aggregation, Yodlee shall give Bank of America
as much advance notice of such removal as possible. In all other cases, Yodlee shall notify Bank of America of Yodlee’s intent to remove such Data Source at least 30 days prior to removal of such Data Source from the Service. Bank of America
reserves the right to terminate this agreement should Yodlee remove [****]% of the following financial institutions (or their successors) based on either (a) or (b) above: [****]. Bank of America may exercise such termination right only by
delivering at least 30 days advance written notice during the 30 day period beginning on the date Yodlee notifies Bank of America of the removal of the first data source in excess of [****]%. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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SCHEDULE A-2
 Service
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	 	d.	Registration. Bank of America shall be solely responsible for operating and maintaining the user registration process for the Services. Notwithstanding Bank of America’s operation and maintenance of an
independent user registration process for a Bank of America service, Yodlee shall maintain all PIN Vault information for Registered Users of the Service during the Term of the Agreement. The Registration Process will be set up in accordance with the
CBDK. All registrations are subject to successful processing by Yodlee, which shall be based on, to the extent possible, confirming the accuracy and adequacy of the registration information submitted by the registrant. Yodlee specifically reserves
the right to reject any registration; provided that such rejection is based on a determination by Yodlee, in its reasonable discretion, that (a) acceptance of such a registration would result in a breach of a law, rule or regulation,
(b) such registration originated from a user known or reasonably suspected to participate in hacking or to misuse Yodlee’s other services, or (c) such rejection is based on any other reason agreed to by Bank of America.

  

	 	e.	Service Username and Password. New Registered Users of the Service will select a valid Service username and password. All Service usernames must be unique. 

 

	 	f.	Registered User Data. Bank of America shall own, and Bank of America’s privacy policy shall govern, the use of all Registered User Information, and Consumer Information (collectively, “Protected
Information”). Yodlee shall only use Protected Information in accordance with the provisions of Section 15 and 26.3, and the Information Security requirements set forth in Schedule D, of the GSA. 

 

	 	g	Active User. A Registered User is considered “Active” if the Registered User has logged into Hosted Service, or received an alert or a budget summary report in the past [****]. 

 

	6.	FinApps:  

  

	 	A.	FinApps 

 FinApps are functionalities which can be developed by Yodlee
or Bank of America. 
  

	7.	Development and Configuration of Integrated Service and Hosted Service 

 (a)
Development Environment. Bank of America shall have access to a development environment beginning on the Delivery Date, to build and test the Applications and the Integrated Services (the “Development Period”). The Development
Environment shall consist of a test SDK Service and a database with sufficient storage capacity sufficient to store 3,000 accounts. Bank of America shall be solely responsible for providing its own user accounts for testing purposes. 

(b) Production Environment. Upon Bank of America’s request (but no later than the end of the Development Period, unless otherwise
mutually agreed), Bank of America’s SDK will be transferred to a production environment in order for Bank of America to commercially launch the Applications and the Integrated Services. Bank of America will have access to the production
environment for the remainder of the Term. 

  
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 Service
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	8.	Reports 

 Each month, Supplier will provide to Bank of America access to the following
high-level statistics concerning usage of the Hosted and Integrated Services: 
  

	 	•	 	Registered Users – added, cumulative, average 

  

	 	•	 	Active Registered Users – total, active rate, average accounts owned per user 

  

	 	•	 	Integrated Registered Users (added at least one account) – total, integration rate 

  

	 	•	 	FinApps available, FinApps purchased, Total amount 

  

	9.	Beta 

 Supplier will set up a Beta instance of the Service Pages for the Upgraded PFM.
The Beta website will be accessible from the Service Pages as a place to showcase new feature / functionality, but will not be used by Registered Users as part of their use of the Hosted Service. The Beta website will be maintained and operated by
Supplier in consultation with Bank of America. However, the Beta website is not subject to standard SLAs defined elsewhere in the contract. Bank of America will control the access of the beta site for their end users. For avoidance of doubt, the
Implementation Date will not be deemed to have occurred until the Hosted Service is operating in full production for the Registered Users of the Bank of America Consumer/Small Business Division on a non-Beta site. 

 

	10.	Other Terms 

 (i) Registered User Data. Bank of America shall own, and Bank of
America’s privacy policy and information security policy shall govern, the use of all Registered User information, Customer Information, Consumer Information and registration data (collectively, “Protected Information”). For avoidance
of doubt, with respect its handling and processing of the Protected Information and its performance of the Hosted Services, Supplier shall at all times comply with the “Confidentiality and Information Protection” section of the Agreement
and SCHEDULE D of the Agreement. 
 (j) Customizations. The following aspects of the Hosted Service and Integrated Service are not
customizable: 
  

	 	•	 	The financial account categories used for classifying financial data in the Hosted Service (e.g., , bank, investment, credit cards) 

 

	 	•	 	The Data Sources made available by Supplier for inclusion in the Hosted and Integrated Services. 

  

	 	•	 	The names of the categories and Data Sources. 

  

	 	•	 	The information retrieved from each Data Source. 

 (k) Content Distribution Network.
Static content in Yodlee’s hosted application and FinApps are served using CDN (Content Distribution Network). Images, text, Flex files and style sheets are some examples of content which are served through geographically distributed CDN
servers. No personally identifiable information is served through CDN. In order to facilitate this, Bank of America hereby authorizes Yodlee and the CDN provider to pull a certificate on behalf of the Company. 

  
 **** Certain information on this
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	11.	Branding of Certain Content. 

 In connection with Supplier’s provision of the
following data to Bank of America, the parties agree to the following additional terms concerning the following data and functionality: 

(a) Zillow Terms. In connection with Supplier’s provision of the Zillow.com data to the Contracted Divisions and their
customers, the parties agree: 
 i. The Zillow.com data and Zillow service are provided AS IS. Supplier is not responsible for the
accuracy or reliability of any data from Zillow.com, or for any interruptions in the availability of the Zillow.com service, whether the result of actions by Zillow or any third party. 

ii. Zillow data will not be used for any purpose other than for the individual use by Registered Users as part of the Hosted or SDK Service.

  

	12.	Functional Specifications. The functional specifications associated with the Upgraded PFM are set forth in the documents below (all of which have been provided to Bank of America on or prior to
December 14, 2011). In the event of a conflict between the documents listed below and this Agreement (including this SCHEDULE), the Agreement (and/or this SCHEDULE) shall control. 

 

					
		  	Yodlee PersonalFinance Product Description for Upgraded PFM	 	
		  	SAML Implementation Guide for Upgraded PFM	 	
		  	Alerts Implementation Guide for Upgraded PFM	 	
		  	Cobrand Deployment Kit (CBDK) for Upgraded PFM	 	

  
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page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	 SCHEDULE
A-2
 Service Specifications – MFP Services

 

 EXHIBIT 1 TO SCHEDULE A-2 

MINIMUM END USER TERMS AND CONDITIONS Customer End User Agreements. Bank of America shall prepare and enter into an agreement with each end user customer,
which governs the relationship between Bank of America and the customer for the Service and contains terms substantially similar to those set forth below. Bank of America is solely responsible for the content and effectiveness of the Customer End
User Agreement. Bank of America will not make any representations or warranties about Yodlee or the Service that Yodlee has not first approved in writing. 
  

 
  

	1.	Acceptance of Terms and Conditions. 

 When you click on the “I Accept” button, you agree to these
Terms and Conditions. If you do not agree to all of these Terms and Conditions, click on the “I Decline” button. If you do not accept these Terms and Conditions, you will not be able to use the Service. These Terms and Conditions
supplement your Merrill Lynch account agreement(s) that you entered into when you established your Merrill Lynch account(s), as well as the Merrill Lynch website Terms and Conditions, Merrill Lynch Direct Terms of Service, or Benefits OnLine Terms
and Conditions, as applicable. 
 These Terms and Conditions may be amended or supplemented from time to time upon notice, delivered by regular mail, by
e-mail or by a persistent alert on your Merrill Lynch website. If you continue to use the Service thereafter, your continued use constitutes your acceptance of the changes and an agreement to be bound by this agreement, as amended. If you do not
agree to the changes, you agree to discontinue your use of the Service. You can review the most current version of these Terms and Conditions at any time at the Agreements and Disclosures section of your Merrill Lynch website. 

 

	2.	The Service. 

 A. The My Financial Picture service allows users to consolidate and manage their financial and
rewards information accessible on the Internet. Merrill Lynch and its service providers make this Service available by means of its proprietary technology which enables users to view and maintain information stored at various websites. The Service
is currently offered to Merrill Lynch clients without additional charge. 
 B. Service Limitations. As an Internet-based service that employs relatively new
technology, it is not possible to anticipate technical or other difficulties in providing the Service. These difficulties may result in loss of data, personalization settings or other service interruptions. For this reason, you agree that the
Service is provided “AS-IS”, without warranties of any kind. Merrill Lynch does not assume responsibility for the timeliness, deletion, misdelivery or failure to store any user data, communications or personalization settings. 

C. Service Changes and Discontinuation. Merrill Lynch reserves the right to change or discontinue, temporarily or permanently, the Service at any time without
notice. You agree that Merrill Lynch will not be liable to you or any third party for any modification or discontinuance of the Service. 
 D. Cancellation.
You may cancel your enrollment in the Service at any time by sending a request to cancel by email to mfpsapport@ml.com. Upon receipt of your request, your account will be cancelled and all your My Financial Picture information will be
deleted. (Please note that extended periods of inactivity may also result in your enrollment being canceled.) 

  
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	3.	Your Obligations. 

 For the benefit and security of our users as well as Merrill Lynch, there are a few
mandatory guidelines that we require that you abide by when using the Service. Any conduct that violates these guidelines is grounds for termination of your enrollment. For this reason, we ask that you carefully read and follow them. 

A. Provide Accurate Information. You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other
websites, as requested in the enrollment and account setup pages and you agree to not misrepresent your identity or your account information. You agree to keep your enrollment and account information up to date and accurate. 

B. Guard Your User ID and Password. You will choose a My Financial Picture User ID and password when enrolling. You are responsible for maintaining the
confidentiality of your ID and password. You are fully responsible for all activities that occur using your ID and password. Notify Merrill Lynch immediately of any unauthorized use of your ID and password or any other breach of security. Merrill
Lynch will not be liable for any loss that you may incur as a result of someone else using your ID and password as a result of your intentional or unintentional conduct, including negligence by you. You agree not to use anyone else’s ID and
password at any time. 
 C. Obey the Law. You agree not to use the Service for illegal purposes or for the transmission of material that is unlawful,
harassing, libelous (untrue and damaging to others), invasive of another’s privacy, abusive, threatening, or obscene, or that infringes the rights of others. 

D. Restrictions on Commercial Use or Resale. Your right to use the Service is personal to you; therefore, you agree not to resell or make any commercial use
of the Service. 
 E. Proprietary Rights. You are only permitted to use the content delivered to you through the Service only on the Service website. You
may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Service technology, including but not limited to, any Java applets associated with the
Service. 
  

	4.	Rights You Grant to Merrill Lynch. 

 A. Content You Provide. Subject to Merrill Lynch’s Privacy
Notice, which is displayed on the website, you are licensing to Merrill Lynch any information, data, passwords, materials or other content (collectively, “Content”) you provide through or to Merrill Lynch or the Service. Merrill Lynch
and its service providers may use, modify, display, distribute and create new material using such Content but only to provide the Services to you. By submitting Content, you agree that the owner of such Content has expressly agreed that, without any
particular time limit, and without the payment of any fees, Merrill Lynch and its service providers may use the Content for the purposes set out above. You agree that Merrill Lynch may use aggregated Customer Data that does not identify you
individually for their own business purposes. 
 B. Usernames and Password Privacy. Neither Merrill Lynch nor its service providers’ employees have
access to your third party site usernames and passwords. Furthermore, no Merrill Lynch or service provider employee can view or retrieve your My Financial Picture User ID or password. Should you forget your password, you will need to re-enroll as a
new user, unless you have enabled the automated password reset feature. The automated password reset feature prompts you with a series of questions, which when answered correctly, prompts the Service to email your password to your email address.

  
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	5.	Third Party Accounts. 

 A. Third Party Accounts. By using the Service, you authorize the Service (through
Merrill Lynch and its service providers) to access third party sites designated by you, on your behalf, to retrieve information requested by you. You hereby authorize and permit Merrill Lynch and its service providers to use information submitted by
you to the Service (such as user names and account passwords) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. For all purposes hereof, you hereby
grant Merrill Lynch and its service providers a limited power of attorney, and you hereby appoint Merrill Lynch and its service providers as your true and lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for
you and in your name, place and stead, in any and all capacities, to access third party sites, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing
requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN THE SERVICE IS ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY
SITES, WE ARE ACTING AS YOUR AGENTS, AND NOT THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You agree that such third party account providers shall be entitled to rely on the foregoing authorization, agency and power-of-attorney granted by you. 

Except for certain relationships, you understand that Merrill Lynch has any relationship to or affiliation or connection with any third party sites available
for use with the Service. The Service is not endorsed or sponsored by any such third party sites. You agree that Merrill Lynch neither assumes any responsibility nor incurs any liability with respect to the acts, omissions or determinations of any
such third party sites. 
 You acknowledge and agree that Merrill Lynch may not maintain the same level of security against unauthorized access to your My
Financial Picture information as the third party sites from which you authorize the Service to retrieve information on your behalf. 
  

	6.	Other Important Legal Matters. 

 A. DISCLAIMER OF WARRANTIES. 

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: 
 YOUR USE OF THE
SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. MERRILL LYNCH
EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO
THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. 
 MERRILL LYNCH DOES NOT MAKE ANY WARRANTY THAT
(i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY
OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED. 

  
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 ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION
AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MERRILL LYNCH OR THROUGH OR
FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS AND CONDITIONS. 
 Some jurisdictions do not allow the exclusion of certain
warranties. Accordingly, some of the above limitations may not apply to you. 
 TO THE EXTENT THAT ANY PART OF THIS SECTION IS NOT CONSISTENT WITH ANY OTHER
PART OF THESE TERMS, THEN THIS SECTION WILL CONTROL. 
 B. Third Party Products and Services. You should be cautious when browsing the Internet and to use
good judgment and discretion when making purchases, obtaining information, or transmitting information. From this site, users may visit or be directed to sites containing information or material that may be offensive or inappropriate to some people.
Merrill Lynch does not make any effort to review the content of these sites, nor is Merrill Lynch responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites. In addition, Merrill Lynch does not
endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or
that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that Merrill Lynch does not pre-screen content, but that Merrill Lynch and its designees will have the right (but not the obligation) in
their sole discretion to refuse, edit, move or remove any content that is available via the Service. 
 C. LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER
MERRILL LYNCH NOR ANY OF ITS RESPECTIVE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, OR ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL,
CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF MERRILL LYNCH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE
USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM
THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD
PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vi) ANY OTHER MATTER RELATING TO THE SERVICE. 

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations
may not apply to you. 
 D. Indemnification. You agree to protect and fully compensate Merrill Lynch and its respective affiliates, directors, officers,
employees, agents and service providers from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Service, your violation of these
Terms and Conditions or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. 

  
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 E. Other. This agreement cannot be changed or any of the parties’ rights waived unless the parties agree
in writing (which may be electronic) or you continue using the Service following receipt of notice of any changes sent to you by Merrill Lynch. This agreement is personal to you and you may not assign it to anyone. All notices to you shall be in
writing (which may be electronic) and shall be made either via e-mail, conventional mail or a persistent website alert, at Merrill Lynch’s discretion. Merrill Lynch may broadcast notices or messages through the Service to inform you of changes
to the Terms and Conditions, the Service, or other matters of importance; such broadcasts shall constitute notice to you. All notices to Merrill Lynch must be made in writing to the customer service address on your Merrill Lynch statement. If any
provision of these Terms and Conditions is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. The laws of
the State of New York govern the interpretation and performance of this agreement. 

  
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	  	 SCHEDULE
A-3
 Service Specifications – IAV Services

 

 SCHEDULE A-3 

IAV SERVICES 
  

Supplier shall provide the IAV SDK and the SDK Service described herein. 

Capitalized terms used herein and not otherwise defined herein or in the GSA shall have the meanings set forth below: 

“Account Verification” is the process of either (a) retrieving the specified customer account information from a single financial
institution Data Source and presenting such account information to Bank of America for Bank of America’s use in verifying financial accounts or otherwise authenticating customers, or (b) providing a corresponding error code to Bank of
America due to invalid credentials or account and routing numbers from customer for a single financial institution account. An Account Verification may be used only one (1) time, only at the specific time requested and solely for the single,
specific purpose requested. 
 “Account Verification Request” means a single Account Verification attempt (a) where a customer
provides valid credentials or (b) where a customer provides invalid credentials. 
 “Application” means a software application
specifically that receives, uses, displays and manipulates Customer Data supplied via the SDK Service and is solely developed by or for Bank of Americaand owned by Bank of America. 

“Company Site” means Bank of America sites on the World Wide Web 

“Customer Data” means a customer’s account information, account access information and registration information, as provided by
customers and/or retrieved by Yodlee from a Data Source and/or provided by Bank of America. Customer Data is deemed Customer Information as such term is defined in the GSA. 

“Data Service” means the return of related account information to Company without determination of the validity or verification of the data
returned. 
 “Delivery Date” means the date the SDK Service is enabled in accordance with its specifications in its stage environment. 

“Integrated Service” means the service provided through the integration of the SDK Service and the Application pursuant to this schedule.

 “Integrated Service Pages” means all pages on which the Integrated Service is displayed or made available for use by Bank of America
Customers. 
 “Launch Date” means the date on which Bank of America makes the Integrated Service generally available on a commercial basis.

 “SDK” means the Yodlee platform software development kit for the currently available Instant Account Verification product version. 

“SDK Service” means the service provided by Yodlee to supply customer account information to be used solely with Applications on the Company
Site developed with the SDK. 
 “Territory” means the United States. 

  
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	1.	SDK Service Offering 

 License Grant. Notwithstanding anything else in the Agreement to the
contrary, the terms of this Section 1 contain all terms of the license grant from Yodlee to Bank of America related to the IAV SDK and IAV SDK Services. During the Term, Yodlee hereby grants to Bank of America a nonexclusive,
nontransferable, limited right and license to use the SDK solely as necessary to develop and integrate (or have developed and integrated for it) the following Applications for use by Bank of America customers on the Company Site by Bank of America
customers that have accounts domiciled in the Territory. If Users access the Integrated Service from locations outside the Territory, Bank of America shall be solely responsible for providing access to those users whose point of access is located
outside of the Territory and agrees to indemnify Yodlee in connection therewith. Bank of America shall not market or distribute the Application or Integrated Service outside of the Territory. Bank of America will use the SDK Service to confirm
ownership of external financial accounts (e.g. bank accounts) via the following method: 
  

	 	•	 	Instant Account Verification – Data Service. Bank of America will request customers to provide online account credentials to external financial institution web sites housing consumers’ checking and
savings accounts, and in turn, will pass the credentials to Yodlee (via the SDK). Using the customer’s account credentials, Yodlee will verify the customer credentials with the Data Source. If invalid, Yodlee will provide a corresponding error
code to Bank of America. If valid, Yodlee will continue with the process of gathering account information account type, account number, account holder name field and current balance (available or ledger, whichever the web site presents) from Data
Source and return to Bank of America (processed according to the SDK Specifications). Bank of America will then determine account ownership. 

  

	 	•	 	Instant Account Verification – Matching Service. Bank of America will request customer to provide online account credentials, account type, routing and transit number, and account number to external
financial accounts in addition to system user name and user surname passed on via SDK. Using customer’s account credentials, Yodlee will attempt to verify customer’s credentials and account information with the Data Source. If invalid, or
if Yodlee encounters a website or UAR error, Yodlee will provide a corresponding error message to the customer. Matching is based on a set of rules that are selected for configuration by Bank of America. Based on the matching rules, the user entered
information and the information from the data source will be matched and a confirmation of successful verification will be provided. 

 Yodlee
shall not be required to perform Instant Account Verifications on Data Sources not supported by Yodlee for that purpose. Notwithstanding any other provision, use of the SDK Service is expressly limited to obtaining Instant Account Verification
– Data Service data elements. Neither Bank of America nor ML shall use the SDK for any other purpose, including but not limited to: (1) consumer personal finance applications, (2) electronic funds transfers, (3) bill payment or
presentment applications, (4) enterprise single sign-on applications, (5) market research applications, or (6) email or news information services. Notwithstanding this section, Bank of America may use the data elements entered into or
provided by the SDK Services in any manner it chooses. 
 Applications. Bank of America shall be solely responsible for (i) providing, operating
and maintaining the Applications and hosting the Applications for the Company Site, and (ii) serving, operating and maintaining the Integrated Service, hosting the Integrated Service Pages, and hosting, operating, and maintaining the Required
Documentation listed below, and the Company Site. 
 Use of Customer Data. Bank of America shall not use the information returned from Yodlee in
connection with the account verification request to make creditworthiness determinations Bank of America shall not repackage, redistribute, divert, license, rent, or resell Customer Data or the result of any Account Verification to or for the
benefit of any third party. 
 Development Environment. Bank of America shall have access to a development environment beginning on the Delivery
Date, to build and test the Applications and the Integrated Services (the “Development Period”). The development environment shall consist of a test SDK service and a database with storage capacity sufficient to store 3,000 accounts. Bank
of America shall be solely responsible for providing its own user accounts for testing purposes. Bank of America will have access to the development environment for the remainder of the term. 

Production Environment. Upon Bank of America’s request (but no later than the end of the Development Period, unless otherwise mutually agreed),
Bank of America’s SDK will be transferred to a production environment in order for Bank of America to commercially launch the Applications and the Integrated Services. Bank of America will have access to the production environment for the
remainder of the term. 

  
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	2.	Required Documentation  

 The Integrated Service shall also include the following: 

 

	 	•	 	Terms and Conditions between customers and Bank of America (containing terms for the benefit of Yodlee similar to Exhibit 1) 

  

	3.	Development and Customization of Integrated Service 

 Data Sources. Bank of America shall
determine which Data Sources shall be available for users to access via the Integrated Service. Such selection shall be made from the master Data Source list supplied by Yodlee from time to time. Yodlee may enable or disable data sources
depending upon their reasonable availability. 
 Customizations. The following aspects of the Integrated Service are not customizable: 

 

	 	•	 	The categories and Data Sources made available by Yodlee for inclusion in the Integrated Service and the classification of Data Sources in those categories. 

 

	 	•	 	The names of the categories and Data Sources. 

  

	 	•	 	The information retrieved from each Data Source. 

  

	4.	Data and Reports 

 Each month, Yodlee will provide to Bank of America access to the number of
Account Verification attempts, including successful and unsuccessful attempts 
  

	5.	Management of Accounts  

 Yodlee will not provide ongoing management of accounts or users for Bank
of America. Bank of America will maintain the outcome of the verification attempt. Yodlee will maintain encrypted consumer credentials for use in automated trouble resolution. 

Routing Numbers. Bank of America and Supplier shall discuss the ability for Bank of America to periodically communicate to Yodlee those routing numbers
supplied by Customers that are unsuccessfully matched against Yodlee’s routing number mapping table. 
  

	6.	Agreement Change Control Procedure: 

 Bank of America and Supplier may request a change to
this SCHEDULE A-3, using a project change authorization form, using a format acceptable to both parties. Any change to the responsibilities defined in this SCHEDULE A-3 may affect the charges and estimated schedule or other terms. Depending on
the scope of the change, Supplier may charge Bank of America for Supplier’s efforts required to analyze the change. Supplier shall provide Bank of America with an estimate of the charges, and will perform the analysis only upon written
authorization from Bank of America. 

  
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EXHIBIT 1 TO SCHEDULE A-3

MINIMUM END USER TERMS AND CONDITIONS

 Customer End User Agreements. Bank of America shall prepare and enter into an agreement with each end user customer, which
governs the relationship between Bank of America and the customer for the Service and contains terms substantially similar to those set forth below. Bank of America is solely responsible for the content and effectiveness of the Customer End User
Agreement. 
  
  

The Account Verification Service is intended to verify your authority and access to external financial accounts by confirming your ability to access to the
external financial account. Your use of the Account Verification Service is subject to the terms and conditions of this Account Verification User Agreement and [Company]’s User Agreement incorporated herein by reference. Proceeding with using
this service constitutes your assent to and acceptance of this Agreement. 
 PROVIDE ACCURATE INFORMATION. You agree to provide true, accurate, current
and complete information about yourself and your accounts maintained at other financial institutions and you agree to not misrepresent your identity or your account information. 

INSTANT ACCOUNT VERIFICATION SERVICE. By using the Instant Verification Service, you authorize [Company] and its supplier [Yodlee, Inc. (“Yodlee”)
or “Service Provider”] to access third party sites designated by you, on your behalf, to retrieve information requested by you. For all purposes hereof, you hereby grant [Company] and Yodlee a limited power of attorney, and you hereby
appoint [Company] and Yodlee as your true and. lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites,
servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as
fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN [COMPANY] OR YODLEE ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, [COMPANY] AND YODLEE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT
OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Instant Verification Service is
not endorsed or sponsored by any third party account providers accessible through the Instant Verification Service. You are licensing to Company and Yodlee any information, data, passwords, materials or other content (collectively,
“Content”) you provide through or to the Instant Verification Service. Company and Yodlee may use, modify, display, distribute and create new material using such Content to provide the Instant Verification Service to you. By submitting
Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Company and Yodlee may use the Content for the purposes set out above. As
between Company and Yodlee, Company owns your confidential account information, 
 USE OF RESULTS LIMITED. You agree that the results of the Account
Verification Service are for use by you and Company and its service providers only in connection with the [Company] Service, on [Company]’s website. You agree not to reverse engineer or reverse compile any of the service technology,
including but not limited to, any Java applets associated with the Instant Account Service. 
 LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER [COMPANY] NOR
YODLEE NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE,
DATA OR OTHER INTANGIBLE LOSSES, EVEN IF [COMPANY] OR YODLEE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE INSTANT VERIFICATION SERVICE OR ANY OTHER MATTER RELATING TO THE INSTANT
VERIFICATION SERVICE, INCLUDING BUT NOT LIMITED TO (i) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (ii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES 

  
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PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE INSTANT VERIFICATION SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR
DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE INSTANT VERIFICATION SERVICE; OR (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN
ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES. 
 INDEMNIFICATION. You agree to indemnify and hold harmless [Company] and Yodlee and their
affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Instant Verification Service or your violation of these
terms. 
 You agree that Yodlee is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Yodlee were a party
to this Agreement. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 30 

			
	

	  	 
	  	 SCHEDULE
A-4
 Service Specifications – Data Extract Services

 

 SCHEDULE A-4 

DATA EXTRACT SERVICES 
  

Data Extracts. Bank of America is hereby granted an internal-use only license to the Yodlee Data Extracts during the Term. 

 

	 	A.	DataExtracts Reports Content 

 Data Extracts consist of reports for the following
general categories of data: 
  

	 	•	 	Customer registration data 

  

	 	•	 	Customer aggregation data 

  

	 	•	 	Bank account data 

  

	 	•	 	Bank transaction data 

  

	 	•	 	Card account data 

  

	 	•	 	Card statement data 

  

	 	•	 	Card transaction data 

  

	 	•	 	Investment account data 

  

	 	•	 	Investment transaction data 

  

	 	•	 	Investment holding data 

  

	 	•	 	Loan Account data 

  

	 	•	 	Loan Statement data 

  

	 	•	 	Loan Transaction data 

  

	 	•	 	Insurance account data 

  

	 	•	 	Insurance statement data 

  

	 	•	 	Insurance transaction data 

  

	 	•	 	Insurance mutual fund data 

  

	 	•	 	Insurance Annuity data 

  

	 	•	 	Currency Exchange Rate 

  

	 	•	 	Rewards Program Data 

  

	 	•	 	Rewards Balance Data 

 Details concerning the data provided in the above categories can be
found in the Yodlee DataExtracts Product Description document, provided separately. 
  

	 	B.	DataExtracts Reports Procedures  

 Transaction data files can be configured to be
delivered daily, weekly or monthly as needed by Bank of America. Account summary files can be configured to be delivered monthly. 

DataExtracts files will be encrypted with a PGP key (RSA type) provided by Bank of America and placed on the reports server in a designated
folder. Data will be transported using sFTP from Yodlee report server to Bank of America. 
 Yodlee will provide files by 5AM EST on the day
of file delivery. Investment data will be as of 10 p.m. EST the previous night. All other data will be as of 10 am EST the previous day. 

If the DataExtracts file is, late, or incomplete, Yodlee will inform Bank of America as soon as the problem is identified and this shall be
considered a Priority 1 incident as outlined in Schedule C-1, Section E. DataExtracts are supported in the “txt” file format. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 31 

			
	

	  	 
	  	 SCHEDULE
B-1
 Service Fees – Aggregation Services

 

 SCHEDULE B-1 

1. Aggregation/PFM Subscription Fee. Bank of America shall pay to Supplier a non-refundable annual subscription fee of [****] for use of the financial
aggregation services rendered under SCHEDULE A-1 for Bank of America’s Consumer and Small Business division (or any successor division thereof), which shall be paid on January 1, 2012 and each anniversary thereof during the Schedule Term
(“Subscription Fee”). [****]. 
 2. Monthly Active User Fees. Beginning on October 1, 2011, Bank of America shall pay a monthly fee
for each Active User under SCHEDULE A-1 and A-2 (“Monthly Active User Fees”). Supplier shall calculate the Monthly Active User Fees at the end of each calendar month based on the table below, and Supplier shall invoice Bank of America for
such Monthly Active User Fees within thirty (30) days following the end of each calendar month. Bank of America shall pay such Monthly Active User Fees within thirty (30) days after its receipt of Supplier’s invoice for such Monthly
Active User Fees. 
  

					
	 Number of Active Users [****]
	  	Monthly Per Active User Fee Per Month	 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 32 

			
	

	  	  

SCHEDULE B-1
 Service Fees
– Aggregation Services

  

 3. The above variable fees apply to all Active Users for the month. By way of example only, in the event of
[****]. 
 The fees are based on an average of up to one refresh per active Account per day. Through use of the SDK, if the actual number of refreshes
exceeds an average of one refresh per active Account per day, Supplier reserves the right to collect an additional reasonable refresh fee per each additional refresh in excess of the average. Prior to collecting any additional refresh charges,
Supplier will provide written notice to Bank of America of the amount and method of calculation, of the proposed refresh charges, along with sufficient detail for Bank of America to understand the reasons for the proposed charges, and Bank of
America will thereafter have a thirty (30) day period to make any adjustments necessary to avoid such additional refresh charges. For avoidance of doubt, Supplier shall only be permitted to charge any excess refresh charges if Bank of America
is unable to make the adjustments necessary to avoid such charges. 
 The Parties will work in good faith to agree upon and implement, prior to launch, a
batch feed process that reduces the likelihood of the potential refresh issue in the preceding paragraph. 
 4. Data Resource Fee – Per Schedule C-1,
Section C, Subsection 1c, Bank of America shall pay to Supplier a non-refundable annual Data Resource Fee of [****] for data resources, which shall be paid on [****] and each anniversary thereof during the Schedule Term (“Data Resource
Fee”) unless Bank of America provides Supplier with written notice of nonrenewal at least [****] prior to such anniversary date. Any service level commitments in Schedule C-1 that are dependent upon the data resources covered by the Data
Resource Fee shall terminate upon such nonrenewal by Bank of America. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 33 

			
	

	  	 
	  	 SCHEDULE
B-2
 Service Fees – MFP Services

  

 SCHEDULE B-2 

MFP SERVICE FEES 
  

AGGREGATION/PFM FOR MY FINANCIAL. PICTURE 

1. License Fee. Bank of America shall pay to Supplier a non-refundable annual license fee (“License Fee”) of [****]. 

2. Maintenance and Support Fee. Bank of America shall pay to Supplier a non-refundable annual maintenance fee (“Maintenance and Support
Fee”) of [****]. 
 Bank of America shall owe the Maintenance and Support Fee on each anniversary of January 1, 2011. 

3. Monthly Active User Fees. Beginning on July 1, 2010, Bank of America shall pay a monthly fee for each Active User for Bank of America under
Schedule A-2 attached to the GSA. Supplier shall calculate the foregoing Per Active User Fees at the end of each calendar month, and Supplier shall invoice Bank of America for such Per Active User Fees within thirty (30) days following the end
of each calendar month. Bank of America shall pay such Per Active User Fees within thirty (30) days after its receipt of Supplier’s invoice for such Per Registered User Fees. 

A. 
  

					
	 Number of Active Users [****]
	  	Monthly Per Active User Fee Per
Month	 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 34 

			
	

	  	  

SCHEDULE B-2
 Service Fees
– MFP Services

  

 The above variable fees apply to all Active Users for the month. By way of example only, in
the event of [****]. 
 The Service fees are based on [****]. 

4. As outlined in Section 6.5, the parties acknowledge that the fees payable pursuant to Sections 1 through 3 of this Schedule B-2 shall apply to the
Minimum Quarterly Payments, as defined in Section 6.5, in the quarter in which they are paid. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 35 

			
	

	  	 
	  	 SCHEDULE
B-3
 Service Fees – IAV Services

  

 SCHEDULE B-3 

IAV SERVICE FEES 
  

 

	 	1.	License Fee. Bank of America shall pay to Supplier a non-refundable license fee (“License Fee”) of [****]. The License Fee will be invoiced on December 20, 2013 and each anniversary of such date
thereafter. 

  

	 	2.	Account Verification Fees 

 Beginning on December 20, 2013, Bank of America shall
pay Supplier an Account Verification fee for each Instant Account Verification (“IAV”) Request based on the Account Verification Fee schedule below (the “Account Verification Fees”): 

 

					
	 ACCOUNT VERIFICATION FEES
	 
	 Total number of IAV requests per month
	  	Per IAV Request Fee	 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 
		
	 [****]
	  	 	[****	] 

 The above variable fees apply to all IAV requests in a month. By way of example only, in the event of [****].

 Supplier shall calculate the foregoing Account Verification Fees at the end of each calendar month and invoice Bank of America for such
fees within thirty (30) days following the end of such month. Bank of America shall pay such Account Verification Fees within thirty (30) days after its receipt of Supplier’s invoice. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 36 

			
	

	  	 
	  	 SCHEDULE
B-4
 Service Fees – DATA EXTRACT Services

 

 SCHEDULE B-4 

DATA EXTRACT SERVICE FEES 
  

 

	4.	Data Extract Fees. 

 (a) Subscription & Data Extract Maintenance Fee.
Bank of America shall pay to Supplier a non-refundable annual subscription fee (“Subscription Fee”) of [****]. This subscription fee provides for up to [****] Active Users per month on July 15, 2013 and on each anniversary of such
date thereafter. If the number of Active Users nears [****], Parties will discuss additional fees. 
 (b) Optimized File Processing
Fee. Bank of America shall also pay Supplier a monthly fee of [****] per Registered User with Held Away Accounts for the Optimized File Processing. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 37 

			
	

	  	 
	  	 SCHEDULE
C-1
 Performance Measurements – Aggregation Services

 

 SCHEDULE C-1 

YODLEE PLATFORM SUPPORT LEVELS AND PROCEDURES (SLA) 

Yodlee shall provide Company access to Yodlee technical support personnel to assist Company with the resolution of problems with the Yodlee Services described
on the Product Schedule(s). A sufficient number of trained, qualified personnel shall be designated by Yodlee to respond to telephone and web inquiries by Company in accordance with the provisions and response times as set forth in this SLA. Company
will escalate problems to Yodlee after having provided the first level of support (Tier 1 support) to Company’s End-Users. Additional product-specific SLA terms (if applicable) are attached to the relevant Product Schedule(s) and are
incorporated herein by reference. 
  

	A.	DEFINITIONS 

  

	 	1.	“Action Plan” means the plan of the Support Engineer on how to resolve a Service Request once it is accepted into the engineers work log. An action plan will consist of a Problem Statement, steps to
resolve, and estimated time to resolution. 

  

	 	2.	“Agent” or “Data Agent” means the site-specific code that traverses a Data Source’s web pages or makes a direct, electronic connection to a Data Source to obtain data.

  

	 	3.	“Agent Errors” means [****]. 

  

	 	4.	“Business Day” means 7am Pacific Time (“PT”) to 7 pm PT Monday through Friday, excluding Yodlee Holidays, 

 

	 	4A.	“Company” means Bank of America, N.A. 

  

	 	5.	“Data” means Customer Data retrieved by Yodlee from a Data Source. 

  

	 	6.	“Data Quality Event” means an event where the Data is not complete or correct, as specified in Section C herein, provided that Data Quality Events shall not include Data issues due to reasons beyond
Yodlee’s control, such as UAR Errors and Site Errors. 

  

	 	7.	“Defect” means a software defect, acknowledged by Yodlee with a bug tracking number and associated with a Service Request, that prevents the Service from operating as described in the documentation or
causes the Service to operate in a manner materially different than described in the documentation. 

  

	 	8.	“Emergency Maintenance” means critical system changes that cannot wait for Scheduled Maintenance. These changes could destabilize the system if not addressed expeditiously. 

 

	 	9.	“Held Away Account” means an account at an institution other than Bank of America. 

  

	 	10.	“Hotfix” means one specific Defect fix for a given case (usually relates to a P1 Service Request). 

  

	 	11.	“Major Release” means a major upgrade to the product containing new features along with product defect fixes. (Version number X.x.x) 

 

	 	12.	“Minor Release” means a scheduled update to a Major Release that includes some new features. (Version number x.X.x) 

 

	 	13.	“Maintenance Release” means a scheduled update to a Minor Release to correct and consolidate defects. (Version number x.x.X) 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 38 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurements – Aggregation Services

  

	 	14.	“Priority” means the Table C priority level assigned to each individual Service Request. 

  

	 	15.	“Problem Definition” means the phase where the problem is identified and a problem statement is prepared and presented to Company. 

 

	 	16.	“Problem Statement” means a concise statement defining the problem. 

  

	 	17.	“Scheduled Maintenance” means system/software/Service maintenance that are scheduled to fix non critical errors and implement system/software/Service changes. These are primarily scheduled during
weekend off hours. 

  

	 	18.	“Site Errors” means the types of failures that relate to Data Source errors, due to a maintenance window, network, datafeed or system outage, or other internal failure at the Data Source. These are not
regarded as product or service “defects”, and are therefore not subject to the SLA commitments defined herein. Site-related failures are measured daily and are measured reported as an aggregate percentage. A current list of Site Error
codes (which Yodlee may update periodically) will be provided. 

  

	 	19.	“Service Request” means a problem that is reported by Company. A unique ID number identifies each Service Request. 

  

	 	20.	“Technical Support Initial Response Time” means the period that starts when Company or member of Technical Support Staff opens a Service Request (as defined by the assignment of a unique Service Request
ID number). 

  

	 	21.	“UAR Error” or User Action Required Error” means the types of failures that result from a dependency on an End-User. This may be the result of inaccurate information provided by the End-User
or the need for an End-User to perform some action on the Data Source before the Data Agent can be successfully executed. These are not regarded as product or service “defects”, and are therefore not subject to the SLA commitments defined
herein. A current list of UAR Error codes (which Yodlee may update periodically) will be provided. 

  

	 	22.	“Update” means the periodic update given to Company on the status of the Service Request that will include: a statement of the problem, what has been done to this point to resolve the problem, what the
next steps are toward reaching resolution and estimated time to resolution. 

  

	 	23.	“Uptime” means the total time the Service is available during a particular period. The total time reflects time taken to resolve all P1 problems. 

 

	 	24.	“Yodlee CustomerCare” means Yodlee’s online system for reporting, escalating, and resolving customer issues, Company’s usage of which is limited solely to the following modules and features
absent a separate Yodlee CustomerCare Product Schedule and Company’s payment of additional Yodlee CustomerCare fees: Administration Module, Customer Management Module (Including Customer Profile Data), and GroupPolicyManager. 

 

	B.	OPERATIONS METRICS 

 Yodlee will expend commercially reasonable efforts to meet and/or exceed the
following operational performance metrics: 
  

	 	1.	[****] system uptime per month if test accounts (Yodlee credentials utilized to monitor the service) are provided by Company (Scheduled or Emergency Maintenance excluded). 

 

	 	2.	[****]% system uptime per month if no test accounts (for the Service) provided by Company (Scheduled of Emergency Maintenance excluded). 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 39 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurement – Aggregation Services

  

	 	3.	Scheduled Maintenance/Downtime 

  

	 	a.	Yodlee shall provide Company with at least [****] calendar days’ notice of any Scheduled Maintenance. 

  

	 	b.	Scheduled Maintenance shall not exceed [****] downtime in a particular instance and [****] in aggregate in any given month unless pre-approved by BAC. 

 

	 	c.	Standard Scheduled maintenance windows are Saturdays from 10:00 pm to 2:00 am PT (1:00 am-5:0D am ET) 

  

	 	d.	On occasion, Emergency Maintenance may be required. Emergency Maintenance may include, but is not limited to security related issues and/or technical problems that could impact the availability of the Service. In such
cases, Yodlee will notify Company prior to downtime as time permits. 

  

	 	4.	Outage Reports 

  

	 	a.	Yodlee will provide a Root Cause Analysis (RCA) report (SLA Exhibit II) within [****] of closure of P1 incidents. 

  

	 	5.	Credits – If for any reason Yodlee does not meet [****]% Service uptime, the following applies: 

  

	 	a.	For the first month that Service uptime is below [****]%, Yodlee shall: 

  

	 	•	 	Provide Company with a root cause analysis of downtime events 

  

	 	•	 	Provide Company wall a written corrective action plan 

  

	 	b.	if Service uptime falls below [****]% for a [****], Yodlee shall: 

  

	 	•	 	Provide Company with a root cause analysis of downtime events 

  

	 	•	 	Provide Company with a written corrective action plan 

  

	 	•	 	Apply a credit of [****]% against monthly invoice for usage Fees for the [****] month that Service uptime is below [****]% 

  

	 	c.	If Service uptime falls below [****]% for any [****], Yodlee shall: 

  

	 	•	 	Provide Company with a root cause analysis of downtime events 

  

	 	•	 	Provide Company with a written corrective action plan 

  

	 	•	 	Apply a credit of [****]% against monthly invoice for usage fees for the [****] month that Service uptime is below [****]% 

  

	 	d.	If Service uptime for any [****] falls below [****]%, Yodlee shall: 

  

	 	•	 	Provide Company with a root cause analysis of downtime events 

  

	 	•	 	Provide Company with a written corrective action plan 

  

	 	•	 	Apply a credit of [****]% against monthly invoice for usage fees for the failed month 

  

	 	e.	If Service uptime with respect to the Services in any SCHEDULE to this Agreement falls below [****]% for any [****] (the “Uptime Default Trigger”): 

 

	 	•	 	Yodlee shall apply a credit of [****]% against monthly invoices for usage fees for the [****] failed month, or 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 40 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurement – Aggregation Services

  

	 	•	 	Company shall have the right to terminate that SCHEDULE (and only that SCHEDULE) on written notice to Yodlee within thirty (30) days after the occurrence of that Uptime Default Trigger (the “Trigger
Period”). If Company does not terminate the applicable SCHEDULE as a result of such Uptime Default Trigger within the applicable Trigger Period, it shall not thereafter have the right to terminate such SCHEDULE as a result of that Uptime
Default Trigger, but Company shall still have the right to terminate an impacted SCHEDULE upon the occurrence of any future Uptime Default Triggers. 

  

	C.	DATA QUALITY METRICS 

 Yodlee will meet the following coverage, reliability, and population data quality
service levels when collecting and storing data. 
  

	 	1.	Data Source Coverage 

 Yodlee will support the Data Sources that (a) are part of
Yodlee’s master list of Data Sources or (b) are made available to Company pursuant to sub-section 2 below, 
 Yodlee’s obligation to meet
the aforementioned requirements is subject to the following: 
  

	 	•	 	Yodlee will expend all commercially reasonable efforts to obtain Data Source Test Accounts to add and adequately test Data Sources. Unavailability of Data Source Test Accounts that directly results in Yodlee’s
inability to support a Data Source shall not be construed as a violation of the Data Quality Metric described in this Section. 

  

	 	•	 	Unavailability of a Data Source to Yodlee’s Data Agent due to any of the following reasons shall not be construed as a violation of the Data Quality Metric described in this Section. 

 

	 	•	 	The non-existence of an electronic interface containing Data. 

  

	 	•	 	A Data Source electronically blocking access that prevents a Data Agent from gaining access to Data. However, if such Data Source had previously provided access, then Yodlee shall use commercially reasonable efforts to
restore access to such Data Source. 

  

	 	•	 	Legal action by or agreement with the Data Source that prevents Yodlee from legally gaining access to Data via supported methods. 

  

	 	•	 	User authentication methods employed by the Data Source that result in incompatibility with the Data Agent and Yodlee’s Data collection infrastructure 

 

	 	2.	New Data Sources; Dedicated Data Team. 

 Subject to Company’s payment of a separately
contracted Dedicated Data Team resource fee, the Dedicated Data Team members will make New Data Sources available to Company based on prioritization established by Company, provided that such New Data Sources are not to be accessed via direct
datafeed. New Data Sources to be accessed via direct datafeeds will require Professional Services SOWs and a datafeed agreement with each such New Data Source. 

The Dedicated Data Team will be responsible for adding and maintaining new Data Sources that Company has requested , or any other Data-related
tasks as communicated in writing by Company. The priority of those new Data Sources will be assigned by the Company. 
 On a monthly basis,
the Dedicated Data Team will report to the Company the status of their Data Source additions or other requested Data-related services provided by the Dedicated Data Team, including, but not limited to Data Sources that they added, Data Sources that
are waiting to be added, technical or administrative problems with their addition of a Data Source or other requested task, and the resolution of any such previously report past problems. 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 41 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurement – Aggregation Services

  

	 	3.	Data Quality Completeness And Correctness 

 Yodlee will provide a Data monitoring infrastructure
designed to assess Data quality within the following two areas: 
  

	 	(1)	Completeness of Data as defined by whether the Data in Yodlee’s database contains all entries available at the Data Source for a given account and set of Data fields. For example, if an investment account contains
10 holdings and 100 transactions at the Data Source, all of the entries concerning such holdings and transaction should also be represented in the Yodlee database, unless such Data is incomplete due to datafeed problems that are not the fault of
Yodlee. 

  

	 	(2)	Correctness of Data Field values as defined by whether the values of individual Data Field elements in Yodlee’s database match the corresponding values available at the Data Source for a given account. For example,
if the transaction quantity at the Data Source is “100” the corresponding value in the Yodlee database should be “100”, unless such Data is incorrect due to datafeed problems that are not the fault of Yodlee. 

Company agrees to cooperate with Yodlee to help refine Yodlee’s set of Data accuracy rules. Yodlee agrees to use commercially reasonable
efforts to improve Data Agent quality using the results of such Data accuracy assessments and to reduce the incidence of Data Quality Events for the Data Sources pursuant to this SLA. 

 

	 	4.	Data Quality Events 

  

	 	A.	A “Data Quality Event” shall be deemed to have occurred where: 

  

	 	(1)	[****] 

  

	 	(2)	[****], 

  

	 	b.	Measuring Impact Of A “Data Quality Event” 

  

	 	(1)	When a Data Quality Event is reported Yodlee will identify a) the time period over which the Data Quality Event occurred based on review of Yodlee internal records, b) assess if the event affected some or all Active
Users who accessed the site during the period the Data Quality Event occurred, c) tabulate the overall impact of the Data Quality Event by identifying the total number of Users who accessed the site during the period the Data Quality Event occurred.

  

	 	(2)	Monthly, Yodeled will report five (5) metrics for each Data Quality Event: a) time period of the event b) percent of Active Users affected, c) total number of Active Users accessing the affected Data Source, d)
number of Active Users affected by the event, and e) percent of total Active Users affected by the event. Reference sample report in SLA Exhibit I. 

  

	 	C.	Data Quality Performance 

 If more than [****]% of accounts held by [****] Active Users are
impacted by a Data Quality Event in a month: 
  

	 	•	 	For the first month that more than [****]% of accounts held by [****] Active Users are impacted by a Data Quality Event, Yodlee shall: 

 

	 	•	 	Provide Company with a root cause analysis. 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 42 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurement – Aggregation Services

  

 If more than [****]% of accounts held by [****] Active Users are impacted by a Data Quality
Event in a [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; and 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice for the monthly invoice for usage fees 

If more than [****]% of accounts held by [****] Active Users are impacted by a Data Quality Event in [****], Yodlee shall: 

 

	 	•	 	Provide Company with a root cause analysis; 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice for usage fees. 

 If more than [****]% of
accounts held by [****] Active Users are impacted by a Data Quality Event for [****], then Company shall have the right to terminate this Agreement. 

If Yodlee fails to correct a Data Quality Event, and respond to Company that issue has been resolved, within [****] after receipt of a Service
Request from Company accurately detailing the issue, Yodlee 
  

	 	•	 	Provide Company with a written corrective action plan on any occasion [****] failures occur in a month; 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice for usage fees for [****] failures in a month; 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice for usage fees for [****] failures in a month. 

  

	D.	AGENT ERRORS 

 Reference sample report Agent Errors Report in SLA Exhibit I. 

Yodlee Data Agents will meet the following performance levels: 
  

	 	1.	Agent Errors on Bank of America accounts 

 If more than [****]% of accounts held by [****]
Active Users are impacted by an Agent Error in a month Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis. 

 If more than [****]% of accounts held by [****]
Active Users are impacted by an Agent Error in a [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; and 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice usage fees for [****] Active Users. 

 If
more than [****]% of accounts held by [****] Active Users are impacted by a Data Quality Event in [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 43 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurements – Aggregation Services

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice usage fees for [****] Active Users. 

  

	 	2.	Agent Errors on Feld-Away Accounts 

 If more than [****]% of accounts held by [****] Active
Users are impacted by an Agent Error in a month Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis. 

 If more than [****]% of accounts held by [****]
Active Users are impacted by an Agent Error in a [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; and 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice usage fees for [****] Active Users with Held-Away Accounts. 

If more than [****]% of accounts held by [****] Active Users are impacted by a an Agent Error in [****], Yodlee shall 

 

	 	•	 	Provide Company with a root cause analysis; 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice usage fees. for [****] Active Users with Held-Away Accounts 

  

	E.	USER ACTION REQUIRED CONDITIONS 

 User Action required applies to accounts where the User has been
notified that their credentials in the Yodlee Service need updating in order for the Agent to continue successfully accessing their site information, or where some other condition requires the Customer to take action to re-enable Date retrieval.
Credential updates include user login ID, passwords, challenge questions and other multi-factor authentication information required by the target site. Other conditions can include acknowledging additional or supplemental user terms and conditions
at the Data Source. In those instances where the User has received such notice and fails to take the required action within 90 days of the notification the condition will no longer be counted against the following metrics. 

 

	 	1.	User Action Required on Bank of America accounts (fed or scraped): If more than [****]% of accounts held by [****] Active Users are impacted by a User Action Required condition in a month Yodlee shall provide Company
with a root cause analysis. 

  

	 	2.	User Action Required on Held-Away accounts: If more than [****]% of accounts held by [****] Active Users are impacted by User Action Required condition in a month Yodlee shall Provide Company with a root cause analysis.

 Reference sample report in SLA Exhibit I. 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 44 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurements – Aggregation Services

  

	F.	PRIORITY DEFINITION TABLE 

 COMPANY SHALL ASSIGN PRIORITY BASED UPON THE FOLLOWING
DEFINITIONS: 
  

					
	 Priority
	 	 	  	 Priority Definition

	P1	 	A catastrophic error resulting in loss of Service that includes but not limited to:
	 	  
 •
	  	  
 The Service is not available.

	 	  
 •
	  	  
 A critical Service function is unavailable or unable to be performed,
causing an immediate and very high level of impact on, economics, operations, or brand.

	 	  
 •
	  	  
 An incident that impacts multiple customers or business units and has
the potential to have a high level of impact on End-Users, economics or operations, or that causes a regulatory or compliance breach.

	 	  
 •
	  	  
 An incident that, if not resolved within the up-time commitments will
impact multiple customers or business units and have the potential to have a high level of impact on customers, economics or operations or an incident resulting from degraded performance to an enterprise implementation of the Service.

	 	  
 •
	  	  
 Security breach.

	 	  
 •
	  	  
 A software error rendering the application/service
unusable

		
	P2	 	A partial failure resulting in loss of capacity, features or functionality of the Service that includes but is not limited to:
	 	  
 •
	  	  
 An incident has an immediate and moderate level of impact on business
operations

	 	  
 •
	  	  
 Service or system failure that impacts End-Users.

	 	  
 •
	  	  
 Significant degradation in response time or functional performance
[Example: page load times go from 5 seconds to 10 seconds over a period of hours]

	 	  
 •
	  	  
 Software error that impacts standard features and functionality
resulting in the Service being critically restricted in use

	 	  
 •
	  	  
 All Data issues due to controllable reasons.

		
	P3	 	A partial failure resulting in loss of capacity, features or functionality of the service impacting
	 	  
 •
	  	  
 End-Users that includes but is not limited to:

	 	  
 •
	  	  
 An incident that has a low level of impact on business operations and
typically affects a single or low number of End-Users

	 	  
 •
	  	  
 A software error that impacts a minor feature and/or function of the
Service impacting End-Users.

	 	  
 •
	  	  
 Any problem that is not a P1 or P2

 F. TECHNICAL SUPPORT RESPONSE TIME TABLE 
  

											
	 	  	 Issue Type
	  	 Initial Response
	  	 Problem
Definition and
Action Plan
	  	 Updates
	  	 Time To Resolution

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

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

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

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

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

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

 [****] 
 [****].

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 45 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurements – Aggregation Services

  

	H.	PROBLEM NOTIFICATION 

  

	 	1.	If internal monitoring and/or support resources detect a P1 incident, Yodlee will notify Company and resolution of the incident will follow the P1 process, 

 

	 	2.	If Company detects a P1 incident; Company will notify Yodlee support via phone (1-800-928-3457). 

  

	 	3.	For P2 and P3 incidents, Company will notify Yodlee support by opening a Service Request in the YodleeCustomerCare tool 

  

	 	4.	Upon receipt of notification, Yodlee shall assign a Service Request to the incident reported by Company and provide a tracking number to Company. 

 

	 	5.	Regardless of the mechanism used to report the incident, if Company does not receive a response from Yodlee within the guidelines set forth in Section B of this SLA, Company should contact Yodlee per SLA Exhibit III
below. 

  

	 	6.	Support hours of operation are 7x24. 

  

	 	7.	Yodlee expects Company to identify, investigate and attempt to resolve End-User issues prior to contacting Yodlee. In the event Company is not able to resolve the problem, it should be escalated to Yodlee Support using
the above process. End-User email threads should not be forwarded to Yodlee Support without summarized detail. Company should have the following Information available when opening a Service Request in the Yodlee CustomerCare tool; 

 

	 	1.	Date Observed: 

  

	 	2.	Feature: 

  

	 	3.	End-User’s User Name/s: 

  

	 	4.	End-User’s Email Address: 

  

	 	5.	Client OS: 

  

	 	6.	Client Browser type and Version. 

  

	 	7.	Site Display Name: 

  

	 	8.	Member Item ID: 

  

	 	9.	Specific to a Site: 

  

	 	a.	If No, list additional Sites: 

  

	 	10.	Expected Result: 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 46 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurements – Aggregation Services

  

	 	11.	Actual Result: 

  

	 	a.	Error Code: 

  

	 	b.	Actual Result Frequency: 

  

	 	c.	Repeatable by Others: Yes/No 

  

	 	12.	Steps to Reproduce. 

  

	 	a.	         

  

	 	13.	Additional info/Attachment 

  

	I.	PRODUCT LIFECYCLE 

 Yodlee will support the then-current Major Release of each Service plus two Major
Releases back (e.g., if the then current Major Release is 9.x, support per this SLA would be provided for 9.x, 8.x, and 7.x). If a Defect is discovered during this phase, Yodlee will respond and address the Defect in accordance with the provisions
of this SLA. Yodlee will make new Major Releases generally available to its clients no more frequently than once per year on average. 
 Once a Major
Release is more than two versions older than the then-current Major Release, that version will be deemed “EOL” and Defect support per this SLA will no longer be available (e.g. when the current Major Release is 9.x, version 6.x will no
longer be supported per this SLA). Yodlee Support will attempt to answer questions concerning the EOL version of the product, but support will not be provided per the requirements of this SLA. 

 

	J.	MINOR AND MAINTENANCE RELEASES 

 In conjunction with the above Product Lifecycle, Yodlee will provide
BANA with Minor Releases and Maintenance Releases on a periodic basis for no additional fee. The frequency of Maintenance Releases will depend upon the number of field reported escalations from BANA and/or Defects reported from Yodlee Support,
Operations, Engineering and QA groups. For P1 issues Yodlee will promptly provide a Hotfix once that fix becomes available (coded and tested). 
  

	K.	OPERATIONAL REPORTS 

 Yodlee to provide the following to BANA on a monthly basis 

 

	 	8.	Monthly Uptime Report (see SLA Exhibit I) 

  

	 	9.	Root Cause Analysis Report (P1 incident) (See SLA Exhibit II). – delivered at each incident 

  

	 	10.	Scorecard Metrics 

  

	 	11.	Added, Deleted and Re-branded Site report 

  

	L.	FILE FEEDS 

 Yodlee to provide to BANA a custom BAC My Portfolio data extract file for previous day
activity by 10:00 am ET every day. Monday morning files will contain all data. All other days will have a delta from the previous day. 
 Late or
missed files will be escalated to Yodlee through the standard escalation process. 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 47 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurements – Aggregation Services

  

 SLA EXHIBIT I 

SAMPLE OPERATIONS MONTHLY REPORT 
  

															
	Co Brand	  	Unscheduled Downtime minutes	  	DC	  	Month End Uptime %	  	 Mthly
 SLA %
	  	MTD Unscheduled Downtime(min)	  	MTD Scheduled Downtime	  	MTD Partial Downtime (min)

 Production Full Outage Issues 
  

	 	•	 	05/05/2004 between 01:50 PM PST to 02:05 PM PST Network switches that support connection from the database servers to the disk storage arrays (EMC disk storage) went down and caused a database server failover.
During the failover the web/app servers lost connection to the database servers. Once the data base server was up and running (after failover -few minutes), the web/app servers reconnected to the database and at that point service was fully
restored. 

 Production Partial Outage Issues 
  

	 	•	 	None 

 Scheduled Maintenance 
  

	 	•	 	05/01/2004 10:00 PM to 05/02/2004 02:00 AM PST. Database maintenance for the patch upgrade. Also added a new node to the cluster group Completed: 240 Maintenance minutes used 

 

	 	•	 	05/22/2004 10:00 PM to 11:45 PM PST. Database maintenance Completed: 105 Maintenance minutes used 

SAMPLE DATA QUALITY EVENT MONTHLY REPORT 
  

															
	 Site
 Affected
	  	 Start Date of
 Event
	  	Duration	  	 % Active
 Users

Affected
	  	 Total #
 Active

Users At
 Site
	  	# Active Users Affected	  	Total [****] Active Users In Month	  	 Percent
 Active Users Affected

 SAMPLE AGENT ERROR MONTHLY REPORT 

 

							
	Category	  	 # Agent Errors Reported To
 Active
Users
	  	 # Successful Updates Reported To
 Active
Users
	  	% Agent Errors

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 48 

			
	 

	  	  

SCHEDULE C-1
 Performance
Measurements – Aggregation Services

  

 SLA EXHIBIT II 

SAMPLE ROOT CAUSE ANALYSIS REPORT 
  

	
	Date:
	Customer(s) affected:
	Start Time:
	Stop Time:
	SR #
	YCM #
	SLA ticket#
	Prepared by:

  

	
	 How was the Problem detected or reported:

	 
	 
	 

  

	
	 Impact analysis:

 

	
	 Problem Summary:

 

	
	 Resolution:

 

	
	 Yodlee Escalation & Resources Involved:

	Ops-Monitoring:
	Customer-Care:
	Ops-Support
	Ops-Mgmt:
	DBA:
	Sustaining:

  
 **** Certain information has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 49 

			
	

	  	  

SCHEDULE C-1
 Performance
Measurement – Aggregation Services

  

 SLA EXHIBIT III 

YODLEE ESCALATION CONTACT LIST 
 In
the event that Yodlee has not met its SLA obligations within the time frame specified or Support received does not meet the spirit of this SLA. Company may escalate a given issue according to this contact list. 

Primary: 
 Manager, Client Services 

Alternate: 
 VP, Client Services 

Sr. Director, Data Center Operations 
 SVP, Operations 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 50 

			
	 

	  	 
	  	 SCHEDULE
C-2
 MFP Support Levels and Procedures

	 

  

 SCHEDULE C-2 

MFP Support Levels and Procedures 

 
 YODLEE PLATFORM SUPPORT
LEVELS AND PROCEDURES (SLA) 
 Yodlee shall provide Company access to Yodlee technical support personnel to assist Company with the resolution of
problems with the Yodlee Services described on the Product Schedule(s). A sufficient number of trained, qualified personnel shall be designated by Yodlee to respond to telephone and web inquiries by Company in accordance with the provisions and
response times as set forth in this SLA. Company will escalate problems to Yodlee after having provided the first level of support (Tier 1 support) to Company’s End-Users. Additional product-specific SLA terms (if applicable) are attached to
the relevant Product Schedule(s) and are incorporated herein by reference. 
  

	A.	DEFINITIONS 

  

	 	1.	“Action Plan” means the plan of the Support Engineer on how to resolve a Service Request once it is accepted into the engineers work log. An action plan will consist of a Problem Statement, steps to
resolve, and estimated time to resolution. 

  

	 	2.	“Agent” or “Data Agent” means the site-specific code that traverses a Data Source’s web pages or makes a direct, electronic connection to a Data Source to obtain data.

  

	 	3.	“Agent Errors” means [****]. 

  

	 	4.	“Business Day” means 7am Pacific Time (“PT”) to 7 pm PT Monday through Friday, excluding Yodlee Holidays, 

 

	 	5.	“Data” means Customer Data retrieved by Yodlee from a Data Source. 

  

	 	6.	“Data Quality Event” means an event where the Data is not complete or correct, as specified in Section C herein, provided that Data Quality Events shall not include Data issues due to reasons beyond
Yodlee’s control, such as UAR Errors and Site Errors. 

  

	 	7.	“Defect” means a software defect, acknowledged by Yodlee with a bug tracking number and associated with a Service Request, that prevents the Service from operating as described in the documentation or
causes the Service to operate in a manner materially different than described in the documentation. 

  

	 	8.	“Emergency Maintenance” means critical system changes that cannot wait for Scheduled Maintenance. These changes could destabilize the system if not addressed expeditiously. 

 

	 	9.	“Held Away Account” means an account at an institution other than Bank of America. 

  

	 	10.	“Hotfix” means one specific Defect fix for a given case (usually relates to a P1 Service Request). 

  

	 	11.	“Major Release” means a major upgrade to the product containing new features along with product defect fixes. (Version number X.x.x) 

 

	 	12.	“Minor Release” means a scheduled update to a Major Release that includes some new features. (Version number x.X.x) 

 

	 	13.	“Maintenance Release” means a scheduled update to a Minor Release to correct and consolidate defects. (Version number x.x.X) 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 51 

			
	 

	  	 SCHEDULE C-2

MFP Support Levels and Procedures

	 

  

	 	14.	“Priority” means the Table C priority level assigned to each individual Service Request. 

  

	 	15.	“Problem Definition” means the phase where the problem is identified and a problem statement is prepared and presented to Company. 

 

	 	16.	“Problem Statement” means a concise statement defining the problem. 

  

	 	17.	“Scheduled Maintenance” means system/software/Service maintenance that are scheduled to fix non critical errors and implement system/software/Service changes. These are primarily scheduled during
weekend off hours. 

  

	 	18.	“Site Errors” means the types of failures that relate to Data Source errors, due to a maintenance window, network, datafeed or system outage, or other internal failure at the Data Source. These are not
regarded as product or service “defects”, and are therefore not subject to the SLA commitments defined herein. Site-related failures are measured daily and are measured reported as an aggregate percentage. A current list of Site Error
codes (which Yodlee may update periodically) will be provided. 

  

	 	19.	“Service Request” means a problem that is reported by Company. A unique ID number identifies each Service Request. 

  

	 	20.	“Technical Support Initial Response Time” means the period that starts when Company or member of Technical Support Staff opens a Service Request (as defined by the assignment of a unique Service Request
ID number). 

  

	 	21.	“UAR Error” or User Action Required Error” means the types of failures that result from a dependency on an End-User. This may be the result of inaccurate information provided by the End-User
or the need for an End-User to perform some action on the Data Source before the Data Agent can be successfully executed. These are not regarded as product or service “defects”, and are therefore not subject to the SLA commitments defined
herein. A current list of UAR Error codes (which Yodlee may update periodically) will be provided. 

  

	 	22.	“Update” means the periodic update given to Company on the status of the Service Request that will include: a statement of the problem, what has been done to this point to resolve the problem, what the
next steps are toward reaching resolution and estimated time to resolution. 

  

	 	23.	“Uptime” means the total time the Service is available during a particular period. The total time reflects time taken to resolve all P1 problems. 

 

	 	24.	“Yodlee CustomerCare” means Yodlee’s online system for reporting, escalating, and resolving customer issues, Company’s usage of which is limited solely to the following modules and features
absent a separate Yodlee CustomerCare Product Schedule and Company’s payment of additional Yodlee CustomerCare fees: Administration Module, Customer Management Module (Including Customer Profile Data), and GroupPolicyManager. 

 

	B.	OPERATIONS METRICS 

 Yodlee will expend commercially reasonable efforts to meet and/or exceed the
following operational performance metrics: 
  

	 	1.	[****]% system uptime per month if test accounts (Yodlee credentials utilized to monitor the service) are provided by Company (Scheduled or Emergency Maintenance excluded). 

 

	 	2.	[****]% system uptime per month if no test accounts (for the Service) provided by Company (Scheduled of Emergency Maintenance excluded). 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 52 

			
	 

	  	 SCHEDULE C-2

MFP Support Levels and Procedures

	 

  

	 	3.	Scheduled Maintenance/Downtime 

  

	 	a.	Yodlee shall provide Company with at least [****] calendar days notice of any Scheduled Maintenance. 

  

	 	b.	Scheduled Maintenance shall not exceed [****] downtime in a particular instance and [****] in aggregate in any given month unless pre-approved by BAC. 

 

	 	c.	Standard Scheduled maintenance windows are Saturdays from 10:00 pm to 2:00 am PT (1:00 am-5:0D am ET) 

  

	 	d.	On occasion, Emergency Maintenance may be required. Emergency Maintenance may include, but is not limited to security related issues and/or technical problems that could impact the availability of the Service. In such
cases, Yodlee will notify Company prior to downtime as time permits. 

  

	 	4.	Outage Reports 

  

	 	a.	Yodlee will provide a Root Cause Analysis (RCA) report (SLA Exhibit II) within [****] of closure of P1 incidents. 

  

	 	5.	Credits – If for any reason Yodlee does not meet [****]% Service uptime, the following applies: 

  

	 	a.	For the first month that Service uptime is below [****]%, Yodlee shall: 

  

	 	•	 	Provide Company with a root cause analysis of downtime events 

  

	 	•	 	Provide Company wall a written corrective action plan 

  

	 	b.	if Service uptime falls below [****]% for [****], Yodlee shall: 

  

	 	•	 	Provide Company with a root cause analysis of downtime events 

  

	 	•	 	Provide Company with a written corrective action plan 

  

	 	•	 	Apply a credit of [****]% against monthly invoice for usage Fees for the [****] that Service uptime is below [****]% 

  

	 	c.	If Service uptime falls below [****]% for any [****], Yodlee shall: 

  

	 	•	 	Provide Company with a root cause analysis of downtime events 

  

	 	•	 	Provide Company with a written corrective action plan 

  

	 	•	 	Apply a credit of [****]% against monthly invoice for usage fees for the [****] that Service uptime is below [****]% 

  

	 	d.	If Service uptime for any [****] falls below [****]%, Yodlee shall: 

  

	 	•	 	Provide Company with a root cause analysis of downtime events 

  

	 	•	 	Provide Company with a written corrective action plan 

  

	 	•	 	Apply a credit of [****]% against monthly invoice for usage fees for the failed month 

  

	 	e.	If Service uptime falls below [****]% for any [****], Yodlee shall: 

  

	 	•	 	Apply a credit of [****]% against monthly invoice for usage fees for the [****], or 

  

	 	•	 	Company shall have the right to terminate the Agreement. 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 53 

			
	 

	  	 SCHEDULE C-2

MFP Support Levels and Procedures

	 

  

	C.	DATA QUALITY METRICS 

 Yodlee will meet the following coverage, reliability, and population data quality
service levels when collecting and storing data. 
  

	 	1.	Data Source Coverage 

 Yodlee will support the Data Sources that (a) are part of
Yodlee’s master list of Data Sources or (b) are made available to Company pursuant to sub-section 2 below, 
 Yodlee’s obligation to meet
the aforementioned requirements is subject to the following: 
  

	 	•	 	Yodlee will expend all commercially reasonable efforts to obtain Data Source Test Accounts to add and adequately test Data Sources. Unavailability of Data Source Test Accounts that directly results in Yodlee’s
inability to support a Data Source shall not be construed as a violation of the Data Quality Metric described in this Section. 

  

	 	•	 	Unavailability of a Data Source to Yodlee’s Data Agent due to any of the following reasons shall not be construed as a violation of the Data Quality Metric described in this Section. 

 

	 	•	 	The non-existence of an electronic interface containing Data. 

  

	 	•	 	A Data Source electronically blocking access that prevents a Data Agent from gaining access to Data. However, if such Data Source had previously provided access, then Yodlee shall use commercially reasonable efforts to
restore access to such Data Source. 

  

	 	•	 	Legal action by or agreement with the Data Source that prevents Yodlee from legally gaining access to Data via supported methods. 

  

	 	•	 	User authentication methods employed by the Data Source that result in incompatibility with the Data Agent and Yodlee’s Data collection infrastructure 

 

	 	2.	New Data Sources; Dedicated Data Team. 

 Subject to Company’s payment of a separately
contracted Dedicated Data Team resource fee, the Dedicated Data Team members will make New Data Sources available to Company based on prioritization established by Company, provided that such New Data Sources are not to be accessed via direct
datafeed. New Data Sources to be accessed via direct datafeeds will require Professional Services SOWs and a datafeed agreement with each such New Data Source. 

The Dedicated Data Team will be responsible for adding and maintaining new Data Sources that Company has requested , or any other Data-related
tasks as communicated in writing by Company. The priority of those new Data Sources will be assigned by the Company. 
 On a monthly basis,
the Dedicated Data Team will report to the Company the status of their Data Source additions or other requested Data-related services provided by the Dedicated Data Team, including, but not limited to Data Sources that they added, Data Sources that
are waiting to be added, technical or administrative problems with their addition of a Data Source or other requested task, and the resolution of any such previously report past problems. 

 

	 	3.	Data Quality Completeness And Correctness 

 Yodlee will provide a Data monitoring infrastructure
designed to assess Data quality within the following two areas: 
  

	 	(1)	Completeness of Data as defined by whether the Data in Yodlee’s database contains all entries available at the Data Source for a given account and set of Data fields. For example, if an investment account contains
10 holdings and 100 transactions at the Data Source, all of the entries concerning such holdings and transaction should also be represented in the Yodlee database, unless such Data is incomplete due to datafeed problems that are not the fault of
Yodlee. 

  

	 	(2)	Correctness of Data Field values as defined by whether the values of individual Data Field elements in Yodlee’s database match the corresponding values available at the Data Source for a given account. For example,
if the transaction quantity at the Data Source is “100” the corresponding value in the Yodlee database should be “100”, unless such Data is incorrect due to datafeed problems that are not the fault of Yodlee. 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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MFP Support Levels and Procedures

	 

  

 Company agrees to cooperate with Yodlee to help refine Yodlee’s set of Data accuracy
rules. Yodlee agrees to use commercially reasonable efforts to improve Data Agent quality using the results of such Data accuracy assessments and to reduce the incidence of Data Quality Events for the Data Sources pursuant to this SLA. 

 

	 	4.	Data Quality Events 

  

	 	A.	A “Data Quality Event” shall be deemed to have occurred where: 

  

	 	(1)	[****] 

  

	 	(2)	[****], 

  

	 	b.	Measuring Impact Of A “Data Quality Event” 

  

	 	(1)	When a Data Quality Event is reported Yodlee will identify a) the time period over which the Data Quality Event occurred based on review of Yodlee internal records, b) assess if the event affected some or all Active
Users who accessed the site during the period the Data Quality Event occurred, c) tabulate the overall impact of the Data Quality Event by identifying the total number of Users who accessed the site during the period the Data Quality Event occurred.

  

	 	(2)	Monthly, Yodeled will report five (5) metrics for each Data Quality Event: a) time period of the event b) percent of Active Users affected, c) total number of Active Users accessing the affected Data Source, d)
number of Active Users affected by the event, and e) percent of total Active Users affected by the event. Reference sample report in SLA Exhibit I. 

  

	 	C.	Data Quality Performance 

 If more than [****]% of accounts held by [****] Active Users are
impacted by a Data Quality Event in a month: 
  

	 	•	 	For the first month that more than [****]% of accounts held by [****] Active Users are impacted by a Data Quality Event, Yodlee shall: 

 

	 	•	 	Provide Company with a root cause analysis. 

 If more than [****]% of accounts held by [****]
Active Users are impacted by a Data Quality Event in a [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; and 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of 5% against the monthly invoice for the monthly invoice for usage fees 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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MFP Support Levels and Procedures

	 

  

 If more than [****]% of accounts held by [****] Active Users are impacted by a Data Quality
Event in [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice for usage fees. 

 If more than [****]% of
accounts held by [****] Active Users are impacted by a Data Quality Event for [****], then Company shall have the right to terminate this Agreement. 

If Yodlee fails to correct a Data Quality Event, and respond to Company that issue has been resolved, [****] after receipt of a Service
Request from Company accurately detailing the issue, Yodlee 
  

	 	•	 	Provide Company with a written corrective action plan on any occasion [****]; 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice for usage fees for [****]; 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice for usage fees for [****]. 

  

	D.	AGENT ERRORS 

 Reference sample report Agent Errors Report in SLA Exhibit I. 

Yodlee Data Agents will meet the following performance levels: 
  

	 	1.	Agent Errors on Bank of America accounts 

 If more than [****]% of accounts held by [****]
Active Users are impacted by an Agent Error in a month Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis. 

 If more than [****]% of accounts held by [****]
Active Users are impacted by an Agent Error in a [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; and 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice usage fees for [****] Active Users. 

 If more than [****]%
of accounts held by [****] Active Users are impacted by a Data Quality Event in [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice usage fees for [****] Active Users. 

  

	 	2.	Agent Errors on Feld-Away Accounts 

 If more than [****]% of accounts held by [****] Active
Users are impacted by an Agent Error in a month Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis. 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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MFP Support Levels and Procedures

	 

  

 If more than [****]% of accounts held by [****] Active Users are impacted by an Agent Error
in a [****], Yodlee shall: 
  

	 	•	 	Provide Company with a root cause analysis; and 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice usage fees for [****] Active Users with Held-Away Accounts. 

If more than [****]% of accounts held by [****] Active Users are impacted by a an Agent Error in [****], Yodlee shall 

 

	 	•	 	Provide Company with a root cause analysis; 

  

	 	•	 	Provide Company with a written corrective action plan; and 

  

	 	•	 	Apply a credit of [****]% against the monthly invoice usage fees. for [****] Active Users with Held-Away Accounts 

  

	E.	PRIORITY DEFINITION TABLE 

 COMPANY SHALL ASSIGN PRIORITY BASED UPON THE FOLLOWING
DEFINITIONS: 
  

					
	 Priority
	 	 	  	 Priority Definition

	P1	 	A catastrophic error resulting in loss of Service that includes but not limited to:
		 	  
 •
	  	  
 The Service is not available.

		 	  
 •
	  	  
 A critical Service function is unavailable or unable to be performed,
causing an immediate and very high level of impact on, economics, operations, or brand.

		 	  
 •
	  	  
 An incident that impacts multiple customers or business units and has
the potential to have a high level of impact on End-Users, economics or operations, or that causes a regulatory or compliance breach.

		 	  
 •
	  	  
 An incident that, if not resolved within the up-time commitments will
impact multiple customers or business units and have the potential to have a high level of impact on customers, economics or operations or an incident resulting from degraded performance to an enterprise implementation of the Service.

		 	  
 •
	  	  
 Security breach.

		 	  
 •
	  	  
 A software error rendering the application/service
unusable

		
	P2	 	A partial failure resulting in loss of capacity, features or functionality of the Service that includes but is not limited to:
		 	  
 •
	  	  
 An incident has an immediate and moderate level of impact on business
operations

		 	  
 •
	  	  
 Service or system failure that impacts End-Users.

		 	  
 •
	  	  
 Significant degradation in response time or functional performance
[Example: page load times go from 5 seconds to 10 seconds over a period of hours]

		 	  
 •
	  	  
 Software error that impacts standard features and functionality
resulting in the Service being critically restricted in use

		 	  
 •
	  	  
 All Data issues due to controllable reasons.

		
	P3	 	A partial failure resulting in loss of capacity, features or functionality of the service impacting
			
		 	•	  	End-Users that includes but is not limited to:
			
		 	•	  	An incident that has a low level of impact on business operations and typically affects a single or low number of End-Users
			
		 	•	  	A software error that impacts a minor feature and/or function of the Service impacting End-Users.
			
		 	•	  	Any problem that is not a P1 or P2

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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MFP Support Levels and Procedures

	 

  

	F.	TECHNICAL SUPPORT RESPONSE TIME TABLE 

  

											
	 	  	 Issue Type
	  	 Initial

Response
	  	 Problem

Definition and

Action Plan
	  	 Updates
	  	 Time To Resolution

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

 [****] 
 [****].

  

	G.	PROBLEM NOTIFICATION 

  

	 	1.	If internal monitoring and/or support resources detect a P1 incident, Yodlee will notify Company and resolution of the incident will follow the P1 process, 

 

	 	2.	If Company detects a P1 incident; Company will notify Yodlee support via phone (1-800-928-3457). 

  

	 	3.	For P2 and P3 incidents, Company will notify Yodlee support by opening a Service Request in the YodleeCustomerCare tool 

  

	 	4.	Upon receipt of notification, Yodlee shall assign a Service Request to the incident reported by Company and provide a tracking number to Company. 

 

	 	5.	Regardless of the mechanism used to report the incident, if Company does not receive a response from Yodlee within the guidelines set forth in Section B of this SLA, Company should contact Yodlee per SLA Exhibit III
below. 

  

	 	6.	Support hours of operation are 7x24. 

  

	 	7.	Yodlee expects Company to identify, investigate and attempt to resolve End-User issues prior to contacting Yodlee. In the event Company is not able to resolve the problem, it should be escalated to Yodlee Support using
the above process. End-User email threads should not be forwarded to Yodlee Support without summarized detail. Company should have the following Information available when opening a Service Request in the Yodlee CustomerCare tool; 

 

	 	1.	Date Observed: 

  

	 	2.	Feature: 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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MFP Support Levels and Procedures

	 

  

	 	3.	End-User’s User Name/s: 

  

	 	4.	End-User’s Email Address: 

  

	 	5.	Client OS: 

  

	 	6.	Client Browser type and Version. 

  

	 	7.	Site Display Name: 

  

	 	8.	Member Item ID: 

  

	 	9.	Specific to a Site: 

  

	 	a.	If No, list additional Sites: 

  

	 	10.	Expected Result: 

  

	 	11.	Actual Result: 

  

	 	a.	Error Code: 

  

	 	b.	Actual Result Frequency: 

  

	 	c.	Repeatable by Others: Yes/No 

  

	 	12.	Steps to Reproduce. 

  

	 	a.	     

  

	 	13.	Additional info/Attachment 

  

	H.	PRODUCT LIFECYCLE 

 Yodlee will support the then-current Major Release of each Service plus two Major
Releases back (e.g., if the then current Major Release is 9.x, support per this SLA would be provided for 9.x, 8.x, and 7.x). If a Defect is discovered during this phase, Yodlee will respond and address the Defect in accordance with the provisions
of this SLA. Yodlee will make new Major Releases generally available to its clients no more frequently than once per year on average. 
 Once a Major
Release is more than two versions older than the then-current Major Release, that version will be deemed “EOL” and Defect support per this SLA will no longer be available (e.g. when the current Major Release is 9.x, version 6.x will no
longer be supported per this SLA). Yodlee Support will attempt to answer questions concerning the EOL version of the product, but support will not be provided per the requirements of this SLA. 

 

	I.	MINOR AND MAINTENANCE RELEASES 

 In conjunction with the above Product Lifecycle, Yodlee will provide
BANA with Minor Releases and Maintenance Releases on a periodic basis for no additional fee. The frequency of Maintenance Releases will depend upon the number of field reported escalations from BANA and/or Defects reported from Yodlee Support,
Operations, Engineering and QA groups. For P1 issues Yodlee will promptly provide a Hotfix once that fix becomes available (coded and tested). 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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MFP Support Levels and Procedures

	 

  

	J.	OPERATIONAL REPORTS 

 Yodlee to provide the following to BANA on a monthly basis 

 

	 	8.	Monthly Uptime Report (see SLA Exhibit I) 

  

	 	9.	Root Cause Analysis Report (P1 incident) (See SLA Exhibit II).- delivered at each incident 

  

	 	10.	Scorecard Metrics 

  

	 	11.	Added, Deleted and Re-branded Site report 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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	  	 SCHEDULE C-2

MFP Support Levels and Procedures

	 

  

 SLA EXHIBIT I 

SAMPLE OPERATIONS MONTHLY REPORT 
  

															
	Co Brand	  	Unscheduled Downtime minutes	  	DC	  	Month End Uptime %	  	 Mthly
 SLA %
	  	 MTD
 Unscheduled

Downtime(min)
	  	MTD Scheduled Downtime	  	 MTD Partial Downtime
 (min)

 Production Full Outage Issues 
  

	 	•	 	05/05/2004 between 01:50 PM PST to 02:05 PM PST Network switches that support connection from the database servers to the disk storage arrays (EMC disk storage) went down and caused a database server failover.
During the failover the web/app servers lost connection to the database servers. Once the data base server was up and running (after failover -few minutes), the web/app servers reconnected to the database and at that point service was fully
restored. 

 Production Partial Outage Issues 
  

	 	•	 	None 

 Scheduled Maintenance 
  

	 	•	 	05/01/2004 10:00 PM to 05/02/2004 02:00 AM PST. Database maintenance for the patch upgrade. Also added a new node to the cluster group Completed: 240 Maintenance minutes used 

 

	 	•	 	05/22/2004 10:00 PM to 11:45 PM PST. Database maintenance Completed: 105 Maintenance minutes used 

SAMPLE DATA QUALITY EVENT MONTHLY REPORT 
  

															
	 Site
 Affected
	  	Start Date of Event	  	Duration	  	% Active Users Affected	  	 Total #
 Active

Users At
 Site
	  	# Active Users Affected	  	Total [****] Active Users In Month	  	 Percent
 Active Users Affected

 SAMPLE AGENT ERROR MONTHLY REPORT 

 

							
	Category	  	# Agent Errors Reported To Active Users	  	 # Successful Updates Reported To
 Active
Users
	  	% Agent Errors

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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MFP Support Levels and Procedures

	 

  

 SLA EXHIBIT II 

SAMPLE ROOT CAUSE ANALYSIS REPORT 
  

	
	Date:
	Customer(s) affected:
	Start Time:
	Stop Time:
	SR #
	YCM #
	SLA ticket#
	Prepared by:

  

	
	 How was the Problem detected or reported:

	
	
	

  

	
	 Impact analysis:

	
	
	

  

	
	 Problem Summary:

	
	
	

  

	
	 Resolution:

	
	
	

  

	
	 Yodlee Escalation & Resources Involved:

	Ops-Monitoring:
	Customer-Care:
	Ops-Support
	Ops-Mgmt:
	DBA:
	Sustaining:

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
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MFP Support Levels and Procedures

	 

  

 SLA EXHIBIT III 

YODLEE ESCALATION CONTACT LIST 
 In
the event that Yodlee has not met its SLA obligations within the time frame specified or Support received does not meet the spirit of this SLA. Company may escalate a given issue according to this contact list. 

Primary: 
 Senior Director, Client Services 

Alternate: 
 Director, Client Partner 

Sr. Director, Data Center Operations 
 SVP, Operations 

  
 **** Certain information on has been
omitted and filed separately with the Securities and Exchange Commission. 
 Confidential treatment has been requested with respect to the omitted portions.

  
 63 

			
	

	  	 
	  	 SCHEDULE
C-3
 IAV Support Levels and Procedures

  

 SCHEDULE C-3 

IAV Support Levels and Procedures 

 
 Schedule C-1 shall apply for the performance
measurements of the IAV Services, except as noted below: 
  

	 	•	 	Section C “Data Quality Metrics” are not applicable and shall not apply 

  

	 	•	 	Section D “Agent Errors” are not applicable and shall not apply 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange 
 Commission. Confidential treatment has been requested with respect to the
omitted portions. 

  
 64 

			
	

	  	 
	  	 SCHEDULE
D
 Information Security

  

	
	INFORMATION SECURITY PROGRAM

 Prior to granting Supplier access to Confidential Information, Bank of America shall evaluate the
Supplier’s Information Security Program and Supplier Security Controls as required in the Section entitled “Confidentiality and Information Protection.” The Supplier’s Information Security Program (the “Program”) shall
address the Bank Security Requirements described below. This Program shall, at a minimum, prescribe the architecture of Supplier’s system, Confidential Information placement within the system, the security controls in place (e.g. firewalls, web
page security, intrusion detection, incident response process, etc.) and contain the information called for in the Subsection entitled “Security Program Features” below. The Program shall also describe physical security measures in place
to protect Confidential Information received or processed by Supplier, including those that will protect Confidential Information that has been printed or otherwise displayed in forms perceptible with or without the aid of equipment. This Program
must be approved in writing by Bank of America security representatives, in Bank of America’s reasonable discretion, before Bank of America will accept Supplier’s services, disclose Confidential Information to Supplier or locate
Confidential Information on Supplier’s systems. Bank of America shall provide Supplier with documentation outlining such Bank Security Requirements and Supplier Security Controls which shall be deemed a part of Bank of America’s
Confidential Information under this Agreement. Supplier acknowledges that upon request in order to be allowed continued access to Confidential Information, it will make modifications to its Information Security Program to add additional measures
necessary to retain Information Security standards consistent with the Bank Security Requirements. 
  

	
	 PRIVACY POLICY
  

 With respect to Confidential Information and the services provided to or on behalf of Bank of America, Supplier
promptly shall conform its publicly available privacy and security policies, in Bank of America’s reasonable judgment, to those of Bank of America, as they may exist from time to time. 

All capitalized terms used in this SCHEDULE D that are not defined herein shall have the meanings assigned elsewhere in this Agreement. 

 

	
	PROTECTION

 Supplier shall install and use a reasonable change control process to ensure that access to its systems and to
Confidential Information is controlled and recorded. Supplier shall notify Bank of America of any planned system configuration changes or other changes affecting the Program applicable to Confidential Information, setting forth how such change will
impact the security and protection of Confidential Information. No such change, which could reasonably be expected by Bank of America to have a material adverse impact on the security and protection of Confidential Information, may be implemented
without the prior written consent of a Bank of America security representative. Bank of America may approve these types of changes prior to their becoming effective, such approval not to be unreasonably withheld or delayed. 

Supplier shall permit Bank of America, at the election of Bank of America, to conduct security vulnerability (penetration) testing on those
portions of the Supplier network which store or process Confidential Information on a mutually agreed schedule and terms. Supplier agrees to make available to Bank of America the results of any vulnerability testing conducted by Supplier or a
qualified third party provider of this service. 
 Supplier shall permit Bank of America to inspect the physical system equipment,
operational environment, and Confidential Information handling procedures. Supplier’s agreement with any contractor to provide services to Bank of America in support of this Agreement shall likewise permit Bank of America to conduct the same
inspections 
 Subject to the terms of this Agreement and the Schedules attached hereto, Supplier will take commercially reasonable measures
to prevent the unintended or malicious loss, destruction or alteration of Bank of America’s files, Confidential Information, software and other property received and held by Supplier. Supplier shall maintain back-up files (including off-site
back-up copies) thereof and of resultant output to facilitate their 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 65 

			
	

	  	 
	  	 SCHEDULE
D
 Information Security

  

 
reconstruction in the case of such loss, destruction or alteration, in order to ensure uninterrupted services in accordance with the terms of this Agreement, its Schedules, Bank of America’s
written policies and Supplier’s disaster recovery plans. 
  

	
	DETECTION AND RESPONSE

 Supplier shall monitor its system for security breaches, violations and suspicious external activity or
unauthorized internal system activity. Supplier shall notify Bank of America (promptly within twenty-four (24) hours or as soon thereafter as practicable) through the defined security escalation channel of Bank of America, the Bank of America
Computing Incident Response Team (“BACIRT”), in the event of a breach of security or the detection of suspicious activity. Such notification to Bank of America shall precede notifications to any other Party. Supplier shall cooperate fully
with all Bank of America security investigation activities and abide by the BACIRT guidelines for escalation and control of significantly security incidents. Bank of America will provide a copy of the guidelines to Supplier, and such guidelines
shall be treated as the Confidential Information of Bank of America. 
 Supplier shall maintain for a mutually agreed-upon length of time,
and afford Bank of America reasonable access to, all records and logs of that portion of Supplier’s network that stores or processes Confidential Information. Bank of America may review and inspect any record of system activity or Confidential
Information handling upon reasonable prior notice. Supplier acknowledges and agrees that records of system activity and of Confidential Information handling may be evidence (subject to appropriate chain of custody procedures) in the event of a
security breach or other inappropriate activity. Upon the request of Bank of America, Supplier shall deliver the original copies of such records to Bank of America for use in any legal, investigatory or regulatory proceeding. 

Supplier shall monitor industry-standard information channels (bugtraq, CERT, OEMs, etc.) for newly identified system vulnerabilities regarding
the technologies and services provided to Bank of America and fix or patch any identified security problem in an adequate and timely manner. Unless otherwise expressly agreed in writing, “timely” shall mean that Supplier shall introduce
such fix or patch as soon as commercially reasonable after Supplier becomes aware of the security problem. This obligation extends to all devices that comprise Supplier’s system, e.g., application software, databases, servers, firewalls,
routers and switches, hubs, etc., and to all of Supplier’s other Confidential Information handling practices. 
 Bank of America may
perform vulnerability testing of Supplier’s system to test the remediation measures implemented after a security incident or event to protect Confidential Information. 
  

	
	SECURITY PROGRAM FEATURES

 At the request of Bank of America, Supplier shall meet with the Bank of America information
security team to discuss information security issues in much greater detail at mutually agreeable times and locations. 

Bank of America acknowledges and agrees that the information Supplier so provides is Supplier’s Confidential
Information, as defined in this Agreement, and is valuable proprietary information of Supplier. Supplier shall provide detailed information including, but not limited to, the following topics, which also shall be addressed in Supplier’s
Program. 
  

	 	1.	Visio and Other Diagrams. The diagrams shall show the detail of the system architecture including, without limitation, the logical topology of routers, switches, Internet firewalls, management or monitoring firewalls,
servers (web, application and database), intrusion detection systems, network and platform redundancy. The diagrams shall include all hosting environments, including those provided by Supplier’s Subcontractors. 

 

	 	2.	Firewalls. State the specifications of the firewalls in use and who manages them. Specify the services, tools and connectivity required to manage the firewalls. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 66 

			
	

	  	 
	  	 SCHEDULE
D
 Information Security

  

	 	3.	Intrusion Detection Systems. Describe the intrusion detection system (“IDS”) environment and the security breach and event escalation process. Indicate who manages the IDS environment. Specify the services,
tools and connectivity required to manage the IDS environment, and if the IDS network is host based. 

  

	 	4.	Change Management. Describe the change management process for automated systems used to provide services. Describe the process for information handling policies and practices. 

 

	 	5.	Business Continuity. Describe the business and technical disaster recovery management process. 

  

	 	6.	System Administration Access Control. Describe the positions that perform administration functions on servers, firewalls or other devices within the application and network infrastructure. Detail level of access needed
to perform functions. Explain the access control mechanisms. Detail access reports generated and when reports are reviewed periodically. Describe methods used to track/log the usage of each account. 

 

	 	7.	Customer Access Control. Describe each logon process to be followed by Bank of America Customers (including Bank of America employees) to obtain access to services Supplier provides to Bank of America. Describe the
initial enrollment process for such Customers. Describe the password policies and procedures Supplier’s system enforces, including, without limitation, password expiration, length of password, password revocation, invalid logon attempt
threshold, etc. Describe methods used to track/log the usage of each account. Supplier shall demonstrate how a customer or end user authenticates to each application. 

 

	 	8.	Access to Confidential Information in Human-Perceptible Forms. Describe policies, procedures and controls used to protect Confidential Information when it is printed or in other perceptible forms; how and how often
these policies and procedures are reviewed and tested; and what methods are used to ensure destruction of Confidential Information on hard copy. 

  

	 	9.	Operating System Baselines. Describe Supplier’s operating system security controls and configurations. Examples: Operating system services that have been removed because not required by Supplier’s services to
Bank of America. Identify and provide current operating system fixes that have not been applied, if any. 

  

	 	10.	Encryption. Describe in detail the technology and usage of encryption for protecting Confidential Information, including passwords and authentication information, during transit and in all forms and locations where it
may be stored. 

  

	 	11.	Application and Network Management. Specify the services, tools and connectivity required to manage the application and network environments; who carries out the management functions; and what level of physical security
applies to managed devices. 

  

	 	12.	Physical Security. For each location where Confidential Information will be processed or stored or services for Bank of America produced by Supplier, describe in detail the arrangements in place for physical security.

  

	 	13	Privacy. Describe Supplier’s privacy and security policies; indicate if they are in writing; and whether they are compatible with Bank of America’s policies. 

 

	 	14.	Location of Servers. Are web servers on a separate segment of the network from the application and database servers? If not, explain the reason this has not been done. At Bank of America’s request, Supplier shall
make reasonable efforts to create this separation. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 67 

			
	

	  	 
	  	 SCHEDULE
D
 Information Security

  

	
	INFORMATION DESTRUCTION REQUIREMENTS

 Overall Requirements 

Supplier shall destroy all Confidential Information after it is no longer needed for performance under this Agreement or to satisfy regulatory requirements.
Supplier must have in place or develop information destruction schedules and processes that meet Bank of America standards and that must be used in all cases when Confidential Information is no longer needed. These information destruction
requirements are to be applied to paper, microfiche, disks, disk drives, tape and other destroyable electronic or digital media containing Confidential Information. 

Paper and Other Shreddable Media 
 Paper and other
shreddable media includes paper, microfiche, microfilm, compact disks (CDs) and any other media that can be shredded. This media must be shredded using shredding techniques or machines such that Confidential Information in this media is completely
destroyed as set forth herein when Supplier is finished with the Confidential Information contained thereon and it is no longer needed. This media may be shredded immediately or temporarily stored in a highly secured, locked container. The media may
be shredded at a location other than Supplier’s facilities; however it must be transferred in a highly secured, locked container. Supplier is responsible for supervising the shredding regardless of where the shredding activity occurs and by
whom the shredding is performed. Confidential Information in this media must be completely destroyed by shredding such that the results are not readable or useable for any purpose. 

Electronic Media 
 Electronic media includes, but
is not limited to, disk drives, diskettes, tapes, universal serial bus (USB) and other media that is used for electronic recording and storage. This media is to be wiped or degaussed using a Bank of America approved wipe or degaussing tool. Wiping
uses a program that repeatedly writes data to the media and thereby destroys the original content. Degaussing produces an electronic field that electronically eliminates the original data and clears the media. These techniques must meet Bank of
America standards and baselines. The resulting media must be free from any machine or computer content readable for any purpose. 
 Certification

 Those processes must be documented as a procedure by Supplier and should outline the techniques and methods to be used. The procedure must also
indicate when and where Confidential Information is to be destroyed. Supplier shall keep records of all Confidential Information destruction completed and provide such records to Bank of America upon demand. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 68 

			
	

	  	 
	  	 SCHEDULE
E
 Background Checks

  

	
	BACKGROUND SCREENING GUIDELINES

 In accordance with and subject to the terms and conditions of this Agreement, prior to any person being assigned and beginning
work for Bank of America under this Agreement, the following background screening guidelines must be administered and successfully passed by that person (“Contract Person”): 

 

	 	1)	Search of the Contract Person’s social security number to verify the accuracy of the individual’s identity and current and previous addresses. 

 

	 	2)	A criminal background search of all court records in each venue of the Contract Person’s current and previous addresses over the past seven (7) years. 

 

	 	3)	A minimum of at least two (2) confirmed work references prior to assignment at Bank of America. 

  

	 	4)	Verification of any post high school education or degrees, i.e. B.A., B.S., Associate, or professional certifications. 

  

	 	5)	Validate United States citizenship or certification to work in the United States. 

 Supplier shall keep copies
of background screening documentation and provide certification of their completion to Bank of America when requested. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 69 

			
	 

	  	 
	  	 SCHEDULE
F-1
 Recovery – Aggregation Services

 

	
	
SCHEDULE F-1
 Recovery –
Aggregation Service

  

	1.	Supplier shall establish, maintain and implement per the terms thereof, a Business Continuity Plan. The Business Continuity Plan must be in place within forty-five (45) calendar days after the assumption of Service
and shall include, but not be limited to, recovery strategy, loss of critical personnel, documented recovery plans covering all areas of operations necessary to delivering Supplier’s services pursuant to this Agreement, vital records protection
and testing plans. The plans shall provide, without limitation, for off-site backup of critical data files, Confidential Information, software, documentation, forms and supplies as well as alternative means of transmitting and processing
Confidential Information. 

  

	2.	The recovery strategy shall provide for recovery after both short and long term disruptions in facilities, environmental support, workforce availability, and data processing equipment. Although short term outages can be
protected with redundant resources and network diversity, the long term strategy must allow for total destruction of Supplier’s business operations for a period of six (6) months or longer and set forth a recovery strategy.

  

	3.	Supplier’s recovery objectives shall not exceed the following during any recovery period: 

  

	 	A.	Time to Full Restoration: [****] 

  

	 	B.	Maximum Data Loss (stated in hours): [****] 

 Supplier services are expected to be architected
in a manner approved by the BANA technology division and designed to maximize fault tolerance and minimize service disruption in accordance with the foregoing standards. 

In the event of a change, Bank of America agrees to work with Supplier to determine a mutually agreeable date for Supplier to match the new
objectives if necessary. 
  

	4.	Supplier shall continue to provide service to Bank of America if Bank of America activates its contingency plan or moves to an interim site to conduct its business, including during tests of Bank of America’s
contingency operations plans. 

  

	5.	Supplier shall furnish contingency recovery plans, contingency exercise and testing schedules annually or upon request. Supplier shall provide to Bank of America, annually, or upon request, copies of all contingency
exercise final reports. If requested, Supplier shall allow Bank of America, at its own expense, to observe a contingency test. 

  

	6.	If Supplier provides electronic interchange of data with Bank of America, Supplier shall participate, if requested, in the recovery exercise of Bank of America to validate recovery capability. 

 

	7.	Supplier must provide evidence of capability to meet any applicable regulatory requirements concerning business continuity. 

  

	8.	Supplier shall be required to participate, if requested by Bank of America, in recovery testing of a mutually agreed upon scope and frequency. 

 

	9.	Any Yodlee services that are designated to be dependencies to the Bank of America hosted platforms must adhere to BAC standards. 

  

	10.	Platforms must adhere to BAC standards. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 70 

			
	 

	  	 
	  	 SCHEDULE
F-2
 Recovery – MFP Services

  

	
	
SCHEDULE F-2
 Recovery –
MFP Service

 Supplier shall establish, maintain and implement per the terms thereof, a Business Continuity Plan. 

The Business Continuity Plan must be in place within forty-five (45) calendar days after the assumption of Service and shall include, but
not be limited to, recovery strategy, loss of critical personnel, documented recovery plans covering all areas of operations necessary to delivering Supplier’s services pursuant to this Agreement, vital records protection and testing plans. The
plans shall provide, without limitation, for off-site backup of critical data files, Confidential Information, software, documentation, forms and supplies as well as alternative means of transmitting and. processing Confidential Information. 

 

	2.	The recovery strategy shall provide for recovery after both short and long term disruptions in facilities, environmental support, workforce availability, and data processing equipment. Although short term outages can be
protected with redundant resources and network diversity, the long term strategy must allow for total destruction of Supplier’s business operations for a period of six (6) months or longer and set forth a recovery strategy.

  

	3.	Supplier’s recovery objectives shall not exceed the following during any recovery period: 

  

	 	A.	Time to Pull Restoration from time of disruption event: [****] 

  

	 	B.	Maximum Data Loss (stated in hours) from time of disruption event: [****] 

 In the event
of a change, Bank of America agrees to work with Supplier to determine a mutually agreeable date for Supplier to match the new objectives if necessary. 
  

	4.	Supplier shall continue to provide service to Bank of America if Bank of America activates its contingency plan or moves to an interim site to conduct its business, including during tests of Bank of America’s
contingency operations plans. 

  

	5.	Supplier shall furnish contingency recovery plans, contingency exercise and testing schedules annually or upon request. Supplier shall provide to Bank of America, annually, or upon request, copies of all contingency
exercise final reports and shall include, but not be limited to, disaster scenario description, exercise scope and objectives, detailed tasks, exercise issues list and remediation, and exercise results. If requested, Supplier shall allow Bank of
America, at its own expense, to observe a contingency test. 

  

	6.	If Supplier provides electronic interchange of data with Bank of America, Supplier shall participate, if requested, in the recovery exercise of Bank of America to validate recovery capability. 

 

	7.	Supplier must provide evidence of capability to meet any applicable regulatory requirements concerning business continuity. 

  

	8.	Supplier shall be required to participate, if requested by Bank of America, in recovery testing of a mutually agreed upon scope and frequency. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 71 

			
	 

	  	 
	  	 SCHEDULE
G
 Form Statement of Work

  

 Statement of Work Number: 

Effective Date: 
 Expiration Date: 

Supplier Name: 
 Supplier Address: 

Supplier Telephone: 
 Outlined below are the required components
for this SOW that is to be attached to Agreement                      under which Supplier provides Services to Bank of America. 

Description of Services/Project Scope 
 Supplier
Deliverables 
 Bank of America Deliverables 

Detail of Fees and Charges 
 a. 

b. 
 c. 

Estimate of total cost. 
 Prices shall not
exceed [****] of estimate. Any travel and living expense expressly requested by Bank of America of Supplier must be pre-approved by Bank of America prior to Supplier incurring said expenses and shall be itemized on the monthly invoices submitted to
Bank of America. Furthermore, Supplier shall book all airline travel through Bank of America Travel Department. Travel and additional expenses shall not exceed [****] without prior written consent from Bank of America. 

As part of the services provided under this SOW, Supplier shall continually endeavor to improve the quality and level of service and
concurrently strive to reduce Bank of America’s direct costs and the cost of service fees paid to Supplier by a minimum of [****] on an annual basis (“Productivity Savings”). 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 72 

			
	 

	  	 
	  	 SCHEDULE
G
 Form Statement of Work

  

 Project Schedule/Deliverables Schedule 

Project Management/Project Communication 
 Work Product

 Default Language: 
 Bank of America will own exclusively
all Work Product for services provided under this Statement of Work, which shall be “works made for hire” of which Bank of America is the author to the extent permitted under applicable law. To the extent the Work Product is not, as a
matter of law, works made for hire, Supplier hereby assigns to Bank of America all right, title and interest (including all Intellectual Property in the Work Product) in and to the Work Product. Supplier shall provide Bank of America upon request
with all assistance reasonably required to perfect such right, title and interest, including executing a Confirmation of Assignment specifically naming the items of Work Product. Supplier shall enter into agreements with all of its Representatives
and Subcontractors necessary to establish Bank of America’s sole ownership in the Work Product. Bank of America acknowledges Supplier’s and its licensors’ claims of proprietary rights in preexisting works of authorship and other
intellectual property Supplier uses in its work pursuant to this Agreement. Bank of America does not claim any right not expressly granted by this Agreement in such works or intellectual property, which shall not be Work Product, even if
incorporated with Work Product in the product Supplier delivers to Bank of America. Supplier grants Bank of America a perpetual, worldwide, irrevocable, nonexclusive license to any Intellectual Property Rights embedded in the Work Product, which
shall permit Bank of America and any transferee or sublicensee of Bank of America, subject to the restrictions in this Agreement, to use such embedded materials as necessary or desirable for, but solely in connection with, the full use of the Work
Product. 
 Bank of America Invoice Address 

Performance Measurements 
 Supplier shall perform the
services listed in this SOW on time and within the agreed budget. If Bank of America is not satisfied with the outcome of the project, Bank of America may request additional interviews or a rebuild of the final reporting. 

List of Subcontractors to be used 
 The undersigned have
made, agree upon and shall perform the foregoing SOW, which is incorporated into the General Services Agreement by and between the Parties dated [INSERT AGREEMENT EFFECTIVE DATE] or if no date is specified in this sentence, the
latest such Agreement entered into by the Parties. 
  

									
	  
	 		 	BANK OF AMERICA, N.A.
	(“Supplier”)	 		 	(“Bank of America”)
					
	By:	 	  
	 		 	By:	 	  

					
	Name:	 	  
	 		 	Name:	 	Matthew Wallace
					
	Title:	 	  
	 		 	Title:	 	Vice President
					
	Date:	 	  
	 		 	Date:	 	  

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 73 

			
	 

	  	 
	  	 SCHEDULE
H
 IP Infringement Litigation

  

 Supplier’s IP Infringement Litigation 

Intentionally blank 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 74 

			
	 

	  	 
	  	 SCHEDULE
I
 Source Code Escrow

  

 1.0 Supplier shall add Bank of America as a beneficiary to its existing source code escrow
agreement (the “Escrow Agreement”) with DSI/Iron Mountain (“Escrow Agent”) Supplier shall place into escrow under the Escrow Agreement the following materials (the “Source Code Escrow”): 

1.1 Source Code, in human readable form, on magnetic media in the original programming code language for (1) the Hosted
Service, and (2) on a continuing basis, all necessary updates to the foregoing within one hundred twenty (120) days of integrating any updates or within sixty (60) days of a maintenance release of, the Hosted Service which Supplier
makes available to Bank of America under this Agreement; 
 1.2 Source Code soft copies (microfilm or CD-ROM); 

1.3 To the extent applicable, necessary, non-licensor, proprietary software to the extent that licensor possesses license or
other right sufficient to allow transfer or sublicense; and 
 1.4 To the extent applicable, Supplier will also provide
description of the system/programs required for use and/or support for which the licensor neither possesses, nor has rights sufficient to allow transfer or sublicense; 

2.0 The Source Code Escrow shall remain in escrow for the term of this Agreement. Supplier’s obligations under this Section are
conditional upon the execution of an appropriate amendment to Supplier’s existing Source Code Escrow Agreement among Supplier, Bank of America and Escrow Agent, consistent with the terms of this Section. The Source Code Escrow Agreement shall
provide that the Escrow Agent shall release the Source Code Escrow to Bank of America in the event of Supplier’s insolvency, bankruptcy, general assignment of assets for the benefit of its creditors, or involvement in an involuntary proceeding
for protection of its creditors, which are not dismissed or otherwise resolved in Supplier’s favor within ninety (90) days thereafter. These events shall be deemed Release Conditions for purposes of this Section. 

3.0 Upon occurrence of a Release Condition, Bank of America shall be deemed to have, automatically, a nonexclusive, nontransferable, fully
paid, royalty-free, license to use, modify, copy, display and disclose to persons who have entered into a written agreement containing substantially the same confidentiality provisions as in this Agreement for the sole purpose of hosting and/or
maintaining the Hosted Service for Bank of America, and otherwise to utilize the Source Code and other materials necessary to maintain the Hosted Service for use by Bank of America subject to the terms and conditions of this Agreement, such that
Bank of America may continue to offer and provide the Hosted Services to Registered Users in a manner consistent with the provision of such services prior the occurrence giving rise to the Source Code Escrow release. 

  
 **** Certain information on this
page has been omitted and filed separately with the Securities and Exchange Commission. Confidential treatment has been requested with respect to the omitted portions. 

  
 75EX-10.24

 Exhibit 10.24 

AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT 

THIS AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Agreement”) dated as of July 11, 2011 (the
“Effective Date”) between SILICON VALLEY BANK, a California corporation (“Bank”), and YODLEE, INC., a Delaware corporation (“Borrower”), provides the terms on which Bank shall lend to
Borrower and Borrower shall repay Bank. This Agreement amends and restates in its entirety, but is not a novation of, that certain Loan and Security Agreement between Bank and Borrower dated as of July 20, 2005 (as has been amended, restated or
otherwise modified). The parties agree as follows: 
 1. ACCOUNTING AND OTHER TERMS 

Accounting terms not defined in this Agreement shall be construed following GAAP. Calculations and determinations must be made following GAAP.
Capitalized terms not otherwise defined in this Agreement shall have the meanings set forth in Section 13. All other terms contained in this Agreement, unless otherwise indicated, shall have the meaning provided by the Code to the extent such
terms are defined therein. 
 2. LOAN AND TERMS OF PAYMENT 

2.1 Promise to Pay. Borrower hereby unconditionally promises to pay Bank the outstanding principal amount of all Credit Extensions and
accrued and unpaid interest thereon as and when due in accordance with this Agreement. 
 2.1.1 Revolving Advances.

 (a) Availability. Subject to the terms and conditions of this Agreement and to deduction of Reserves, Bank shall make Advances
not exceeding the Availability Amount. Amounts borrowed hereunder may be repaid and, prior to the Revolving Line Maturity Date, reborrowed, subject to the applicable terms and conditions precedent herein. 

(b) Termination; Repayment. The Revolving Line terminates on the Revolving Line Maturity Date, when the principal amount of all
Advances, the unpaid interest thereon, and all other Obligations relating to the Revolving Line shall be immediately due and payable. 

2.1.2 Letters of Credit Sublimit. 

(a) As part of the Revolving Line, Bank shall issue or have issued Letters of Credit denominated in Dollars or a Foreign Currency for
Borrower’s account. The aggregate Dollar Equivalent amount utilized for the issuance of Letters of Credit shall at all times reduce the amount otherwise available for Advances under the Revolving Line. The aggregate Dollar Equivalent of the
face amount of outstanding Letters of Credit (including drawn but unreimbursed Letters of Credit and any Letter of Credit Reserve) may not exceed the lesser of (A) Two Million Five Hundred Thousand Dollars ($2,500,000), minus (i) the sum
of all amounts used for Cash Management Services, and minus (ii) the FX Reduction Amount, or (B) the lesser of Revolving Line or the Borrowing Base, minus (i) the sum of all outstanding principal amounts of any Advances (including any
amounts used for Cash Management Services), and minus (ii) the FX Reduction Amount. 
 (b) If, on the Revolving Line Maturity Date (or
the effective date of any termination of this Agreement), there are any outstanding Letters of Credit, then on such date Borrower shall provide to Bank cash collateral in an amount equal to 105% of the Dollar Equivalent of the face amount of all
such Letters of Credit denominated in U.S. Dollars and 110% of the Dollar Equivalent of the face amount of all such Letters of Credit denominated in a Foreign Currency, plus all interest, fees, and costs due or to become due in connection therewith
(as estimated by Bank in its good faith business judgment), to secure all of the Obligations relating to such Letters of Credit. All Letters of Credit shall be in form and substance acceptable to Bank in its sole discretion and shall be subject to
the terms and conditions of Bank’s standard Application and Letter of Credit Agreement (the “Letter of Credit Application”). Borrower agrees to execute any further documentation in connection with the Letters of

 
Credit as Bank may reasonably request. Borrower further agrees to be bound by the regulations and interpretations of the issuer of any Letters of Credit guaranteed by Bank and opened for
Borrower’s account or by Bank’s interpretations of any Letter of Credit issued by Bank for Borrower’s account, and Borrower understands and agrees that Bank shall not be liable for any error, negligence, or mistake, whether of
omission or commission, in following Borrower’s instructions or those contained in the Letters of Credit or any modifications, amendments, or supplements thereto. 

(c) The obligation of Borrower to immediately reimburse Bank for drawings made under Letters of Credit shall be absolute, unconditional, and
irrevocable, and shall be performed strictly in accordance with the terms of this Agreement, such Letters of Credit, and the Letter of Credit Application. 

(d) Borrower may request that Bank issue a Letter of Credit payable in a Foreign Currency. If a demand for payment is made under any such
Letter of Credit, Bank shall treat such demand as an Advance to Borrower of the Dollar Equivalent of the amount thereof (plus fees and charges in connection therewith such as wire, cable, SWIFT or similar charges). 

(e) To guard against fluctuations in currency exchange rates, upon the issuance of any Letter of Credit payable in a Foreign Currency, Bank
shall create a reserve (the “Letter of Credit Reserve”) under the Revolving Line in an amount equal to ten percent (10%) of the face amount of such Letter of Credit. The amount of the Letter of Credit Reserve may be adjusted by
Bank from time to time, upon thirty days prior written notice from Bank to Borrower, to account for fluctuations in the exchange rate. The availability of funds under the Revolving Line shall be reduced by the amount of such Letter of Credit Reserve
for as long as such Letter of Credit remains outstanding. 
 2.1.3 Foreign Exchange Sublimit. As part of the Revolving Line, Borrower
may enter into foreign exchange contracts with Bank under which Borrower commits to purchase from or sell to Bank a specific amount of Foreign Currency (each, a “FX Forward Contract”) on a specified date (the “Settlement
Date”). FX Forward Contracts shall have a Settlement Date of at least one (1) FX Business Day after the contract date and shall be subject to a reserve of ten percent (10%) of each outstanding FX Forward Contract (the
“FX Reserve”). The aggregate amount of FX Forward Contracts at any one time may not exceed ten (10) times the lesser of (A) Two Million Five Hundred Thousand Dollars ($2,500,000), minus (i) the sum of all amounts used
for Cash Management Services, and minus (ii) the Dollar Equivalent of the face amount of any outstanding Letters of Credit (including drawn but unreimbursed Letters of Credit and any Letter of Credit Reserve), or (B) the lesser of
Revolving Line or the Borrowing Base, minus (i) the sum of all outstanding principal amounts of any Advances (including any amounts used for Cash Management Services), and minus (ii) the Dollar Equivalent of the face amount of any
outstanding Letters of Credit (including drawn but unreimbursed Letters of Credit). The amount otherwise available for Credit Extensions under the Revolving Line shall be reduced by an amount equal to ten percent (10%) of each outstanding FX
Forward Contract (the “FX Reduction Amount”). Any amounts needed to fully reimburse Bank for any amounts not paid by Borrower in connection with FX Forward Contracts will be treated as Advances under the Revolving Line and
will accrue interest at the interest rate applicable to Advances. 
 2.1.4 Cash Management Services Sublimit. Borrower may use
the Revolving Line for Bank’s cash management services, which may include merchant services, direct deposit of payroll, business credit card, and check cashing services identified in Bank’s various cash management services agreements
(collectively, the “Cash Management Services”), in an aggregate amount not to exceed the lesser of (A) Two Million Five Hundred Thousand Dollars ($2,500,000), minus (i) the Dollar Equivalent of the face amount of any
outstanding Letters of Credit (including drawn but unreimbursed Letters of Credit and any Letter of Credit Reserve), and minus (ii) the FX Reduction Amount, or (B) the lesser of Revolving Line or the Borrowing Base, minus (i) the sum
of all outstanding principal amounts of any Advances, minus the Dollar Equivalent of the face amount of any outstanding Letters of Credit (including drawn but unreimbursed Letters of Credit), and minus (iii) the FX Reduction Amount. Any amounts
Bank pays on behalf of Borrower for any Cash Management Services will be treated as Advances under the Revolving Line and will accrue interest at the interest rate applicable to Advances 

  
 -2- 

 2.1.5 Equipment Advances. 

(a) Availability. Commencing on the Fifth Amendment Effective Date through December 31, 2008, Bank made advances (each, an
“Equipment Advance” and, collectively, “Equipment Advances”) to Borrower not exceeding the Equipment Line. Equipment Advances may only be used to finance Eligible Equipment purchased within ninety (90) days
(or, in the case of the initial Equipment Advance, on or after April 1, 2007) (determined based upon the applicable invoice date of such Eligible Equipment) before the date of each such Equipment Advance, and no Equipment Advance exceeded 100%
of the total invoice for Eligible Equipment, excluding taxes, shipping, warranty charges, freight discounts and installation expenses relating to such Eligible Equipment. Unless otherwise agreed to by Bank, not more than 40% of the proceeds of the
Equipment Line shall be used to finance Other Equipment. Each Equipment Advance, other than the final Equipment Advance, was in an amount equal to at least $100,000. Borrower requested no more than twelve (12) Equipment Advances hereunder.
After repayment, no Equipment Advance may be reborrowed. 
 (b) Repayment. Each Equipment Advance shall immediately amortize and be
payable in 36 equal payments of principal and interest beginning on the first day of the month following the date of such Equipment Advance and continuing on the first day of each month thereafter. The final payment due on the applicable Equipment
Maturity Date shall include all outstanding principal and all accrued unpaid interest. 
 (c) Final Payment. On the final Payment Date
with respect to each Equipment Advance, Borrower shall pay, in addition to the outstanding principal, accrued and unpaid interest, and all other amounts due on such date with respect to such Equipment Advance, an amount equal to the Final Payment.

 (d) Interest. The principal amount outstanding for each Equipment Advance shall accrue interest at a per annum rate equal to 1.5
percentage points (1.5%) above the Prime Rate, which interest shall be payable monthly. 
 2.1.6 Equipment C Advances.

 (a) Availability. Commencing on the Twelfth Amendment Effective Date through March 31, 2011, Bank made advances (each, an
“Equipment C Advance” and, collectively, “Equipment C Advances”) to Borrower not exceeding the Equipment C Line. Equipment C Advances may only be used to finance Eligible Equipment purchased within ninety
(90) days (or, in the case of the initial Equipment C Advance, on or after January 1, 2010) (determined based upon the applicable invoice date of such Eligible Equipment) before the date of each such Equipment C Advance, and no Equipment C
Advance may exceed 100% of the total invoice for Eligible Equipment, excluding taxes, shipping, warranty charges, freight discounts and installation expenses relating to such Eligible Equipment. Unless otherwise agreed to by Bank, not more than 20%
of the proceeds of the Equipment C Line shall be used to finance Other Equipment. Each Equipment C Advance, other than the final Equipment C Advance, was in an amount equal to at least $100,000. Borrower requested no more than eight
(8) Equipment C Advances hereunder. After repayment, no Equipment C Advance may be reborrowed. 
 (b) Repayment. Each Equipment C
Advance shall immediately amortize and be payable in 36 equal payments of principal and interest beginning on the first day of the month following the date of such Equipment C Advance and continuing on the first day of each month thereafter. The
final payment due on the applicable Equipment Maturity Date shall include all outstanding principal and all accrued unpaid interest. 
 (c)
Final Payment. On the final payment date with respect to each Equipment C Advance, Borrower shall pay the outstanding principal, accrued and unpaid interest, and all other amounts due on such date with respect to such Equipment C Advance.

 (d) Interest. The principal amount outstanding for each Equipment C Advance shall accrue interest at a per annum rate equal to 5.5
percentage points (5.50%), which interest shall be payable monthly on the first day of each month. 
 2.2 Overadvances. If, at any
time, the sum of (a) the outstanding principal amount of any Advances (including any amounts used for Cash Management Services), plus (b) the face amount of any outstanding Letters of Credit (including drawn but unreimbursed Letters of
Credit and any Letter of Credit Reserve), plus (c) the FX Reduction Amount (such sum being an “Overadvance”) exceeds the lesser of either the Revolving Line or the Borrowing Base, Borrower shall immediately pay to Bank in cash
such Overadvance. Without limiting Borrower’s obligation to repay Bank any amount of the Overadvance, Borrower agrees to pay Bank interest on the outstanding amount of any Overadvance, on demand, at the Default Rate. 

  
 -3- 

 2.3 Payment of Interest on the Credit Extensions. 

(a) Advances. Subject to Section 2.3(b), the principal amount outstanding under the Revolving Line shall accrue interest at a
floating per annum rate equal to 150 percentage points (1.5%) above the Prime Rate, which interest shall be payable monthly in accordance with Section 2.3(e) below. 

(b) Default Rate. Immediately upon the occurrence and during the continuance of an Event of Default, Obligations shall bear interest at
a rate per annum which is five percentage points (5.00%) above the rate that is otherwise applicable thereto (the “Default Rate”) unless Bank otherwise elects from time to time in its sole discretion to impose a smaller
increase. Fees and expenses which are required to be paid by Borrower pursuant to the Loan Documents (including, without limitation, Bank Expenses) but are not paid when due shall bear interest until paid at a rate equal to the highest rate
applicable to the Obligations. Payment or acceptance of the increased interest rate provided in this Section 2.3(b) is not a permitted alternative to timely payment and shall not constitute a waiver of any Event of Default or otherwise
prejudice or limit any rights or remedies of Bank. 
 (c) Adjustment to Interest Rate. Changes to the interest rate of any Credit
Extension based on changes to the Prime Rate shall be effective on the effective date of any change to the Prime Rate and to the extent of any such change. 

(d) Debit of Accounts. Bank may debit any of Borrower’s deposit accounts, including the Designated Deposit Account, for principal
and interest payments or any other amounts Borrower owes Bank when due. These debits shall not constitute a set-off 
 (e) Payment;
Interest Computation; Float Charge. Interest is payable monthly on the last calendar day of each month and shall be computed on the basis of a 360-day year for the actual number of days elapsed. In computing interest, (i) all Payments
received after 12:00 p.m. Pacific time on any day shall be deemed received at the opening of business on the next Business Day, and (ii) the date of the making of any Credit Extension shall be included and the date of payment shall be excluded;
provided, however, that if any Credit Extension is repaid on the same day on which it is made, such day shall be included in computing interest on such Credit Extension. In addition, Bank shall be entitled to charge Borrower a
“float” charge in an amount equal to three (3) Business Days interest, at the interest rate applicable to the Advances whether or not any Advances are outstanding, on all Payments received by Bank. The float charge for each month
shall be payable on the last day of the month. Bank shall not, however, be required to credit Borrower’s account for the amount of any item of payment which is unsatisfactory to Bank in its good faith business judgment, and Bank may charge
Borrower’s Designated Deposit Account for the amount of any item of payment which is returned to Bank unpaid. 
 2.4 Fees.
Borrower shall pay to Bank: 
 (a) Commitment Fee. A fully earned, non-refundable commitment fee of $50,000, on the Effective
Date and the first anniversary of the Effective Date; and 
 (b) Letter of Credit Fee. Bank’s customary fees and expenses for the
issuance or renewal of Letters of Credit, upon the issuance of such Letter of Credit, each anniversary of the issuance during the term of such Letter of Credit, and upon the renewal of such Letter of Credit by Bank; and 

(c) Unused Revolving Line Facility Fee. A fee (the “Unused Revolving Line Facility Fee”), payable monthly, in arrears,
on a calendar year basis, in an amount equal to 0.20% per annum of the average unused portion of the Revolving Line, as determined by Bank. The unused portion of the Revolving Line, for the purposes of this calculation, shall include amounts
reserved for products provided in connection with Cash Management Services and FX Forward Contracts. Borrower shall not be entitled to any credit, rebate or repayment of any Unused Revolving Line Facility Fee previously earned by Bank pursuant to
this Section notwithstanding any termination of the Agreement or the suspension or termination of Bank’s obligation to make loans and advances hereunder, including during any Streamline Period; and 

  
 -4- 

 (e) Collateral Monitoring Fee. A monthly collateral monitoring fee of $1,200, payable in
arrears on the last day of each month (prorated for any partial month at the beginning and upon termination of this Agreement) if Advances have been made within 30 days of an additional request for Advances; and 

(f) Bank Expenses. All Bank Expenses (including reasonable attorneys’ fees and expenses for documentation and negotiation of this
Agreement) incurred through and after the Effective Date, when due. 
 2.5 Payments; Application of Payments. 

(a) All payments (including prepayments) to be made by Borrower under any Loan Document shall be made in immediately available funds in U.S.
Dollars, without setoff or counterclaim, before 12:00 p.m. Pacific time on the date when due. Payments of principal and/or interest received after 12:00 p.m. Pacific time are considered received at the opening of business on the next Business Day.
When a payment is due on a day that is not a Business Day, the payment shall be due the next Business Day, and additional fees or interest, as applicable, shall continue to accrue until paid. 

(b) Except as specified elsewhere in this Agreement, all payments with respect to the Obligations may be applied in such order and manner as
Bank shall determine in its sole discretion. Borrower shall have no right to specify the order or the accounts to which Bank shall allocate or apply any payments required to be made by Borrower to Bank or otherwise received by Bank under this
Agreement when any such allocation or application is not specified elsewhere in this Agreement. 
 3. CONDITIONS OF LOANS 

3.1 Conditions Precedent to Initial Credit Extension. Bank’s obligation to make the initial Credit Extension is subject to the
condition precedent that Bank shall have received, in form and substance satisfactory to Bank, such documents, and completion of such other matters, as Bank may reasonably deem necessary or appropriate, including, without limitation: 

(a) duly executed original signatures to the Loan Documents; 

(b) Borrower’s Operating Documents and a good standing certificate of Borrower certified by the Secretary of State of the State of
Delaware as of a date no earlier than thirty (30) days prior to the Effective Date; 
 (c) duly executed original signatures to the
completed Borrowing Resolutions for Borrower; 
 (d) the Perfection Certificate of Borrower, together with the duly executed original
signature thereto; 
 (e) evidence satisfactory to Bank that the insurance policies required by Section 6.7 hereof are in full force and
effect, together with appropriate evidence showing lender loss payable and/or additional insured clauses and cancellation notice to Bank (or endorsements reflecting the same) in favor of Bank; and 

(f) payment of the fees and Bank Expenses then due as specified in Section 2.4 hereof 

3.2 Conditions Precedent to all Credit Extensions. Bank’s obligations to make each Credit Extension, including the initial Credit
Extension, is subject to the following conditions precedent: 
 (a) except as otherwise provided in Section 3.5(a), timely
receipt of an executed Borrowing Base Certificate; 

  
 -5- 

 (b) the representations and warranties in this Agreement shall be true, accurate, and complete in
all material respects on the date of the Borrowing Base Certificate and on the Funding Date of each Credit Extension; provided, however, that such materiality qualifier shall not be applicable to any representations and warranties that already are
qualified or modified by materiality in the text thereof and provided, further that those representations and warranties expressly referring to a specific date shall be true, accurate and complete in all material respects as of such date, and no
Event of Default shall have occurred and be continuing or result from the Credit Extension. Each Credit Extension is Borrower’s representation and warranty on that date that the representations and warranties in this Agreement remain true,
accurate, and complete in all material respects; provided, however, that such materiality qualifier shall not be applicable to any representations and warranties that already are qualified or modified by materiality in the text thereof; and
provided, further that those representations and warranties expressly referring to a specific date shall be true, accurate and complete in all material respects as of such date; and 

(c) in Bank’s sole discretion, there has not been any material impairment in the general affairs, management, results of operation,
financial condition or the prospect of repayment of the Obligations, or any material adverse deviation by Borrower from the most recent business plan of Borrower presented to and accepted by Bank. 

3.3 Covenant to Deliver. 

Borrower agrees to deliver to Bank each item required to be delivered to Bank under this Agreement as a condition precedent to any Credit
Extension. Borrower expressly agrees that a Credit Extension made prior to the receipt by Bank of any such item shall not constitute a waiver by Bank of Borrower’s obligation to deliver such item, and the making of any Credit Extension in the
absence of a required item shall be in Bank’s sole discretion. 
 3.4 Procedures for Borrowing. Subject to the prior
satisfaction of all other applicable conditions to the making of an Advance set forth in this Agreement, to obtain an Advance (other than Advances under Sections 2.1.2, 2.1.4, 2.1.5 and 2.1.6), Borrower shall notify Bank (which notice shall be
irrevocable) by electronic mail, facsimile, or telephone by 12:00 p.m. Pacific time on the Funding Date of the Advance. Together with such notification, Borrower must promptly deliver to Bank by electronic mail or facsimile a completed Borrowing
Base Certificate executed by a Responsible Officer or his or her designee. Bank shall credit Advances to the Designated Deposit Account. Bank may make Advances under this Agreement based on instructions from a Responsible Officer or his or her
designee or without instructions if the Advances are necessary to meet Obligations which have become due. Bank may rely on any telephone notice given by a person whom Bank believes is a Responsible Officer or designee. 

4. CREATION OF SECURITY INTEREST 

4.1 Grant of Security Interest. Borrower hereby grants Bank, to secure the payment and performance in full of all of the Obligations, a
continuing security interest in, and pledges to Bank, the Collateral, wherever located, whether now owned or hereafter acquired or arising, and all proceeds and products thereof. 

4.2 Priority of Security Interest. Borrower represents, warrants, and covenants that the security interest granted herein is and shall
at all times continue to be a first priority perfected security interest in the Collateral (subject only to Permitted Liens that may have superior priority to Bank’s Lien under this Agreement). If Borrower shall acquire a commercial tort claim,
Borrower shall promptly notify Bank in a writing signed by Borrower of the general details thereof and grant to Bank in such writing a security interest therein and in the proceeds thereof, all upon the terms of this Agreement, with such writing to
be in form and substance reasonably satisfactory to Bank. 
 If this Agreement is terminated, Bank’s Lien in the Collateral
shall continue until the Obligations (other than inchoate indemnity obligations) are repaid in full in cash. Upon payment in full in cash of the Obligations (other than inchoate indemnity obligations) and at such time as Bank’s obligation to
make Credit Extensions has terminated, Bank shall, at Borrower’s sole cost and expense, release its Liens in the Collateral and all rights therein shall revert to Borrower. 

  
 -6- 

 4.3 Authorization to File Financing Statements. Borrower hereby authorizes Bank to file
financing statements, without notice to Borrower, with all appropriate jurisdictions to perfect or protect Bank’s interest or rights hereunder, including a notice that any disposition of the Collateral, by either Borrower or any other Person,
shall be deemed to violate the rights of Bank under the Code. Such financing statements may indicate the Collateral as “all assets of the Debtor” or words of similar effect, or as being of an equal or lesser scope, or with greater detail,
all in Bank’s discretion. 
 5. REPRESENTATIONS AND WARRANTIES 

Borrower represents and warrants as follows: 

5.1 Due Organization, Authorization; Power and Authority. Borrower is duly existing and in good standing in its jurisdiction of
formation and is qualified and licensed to do business and is in good standing in any jurisdiction in which the conduct of its business or its ownership of property requires that it be qualified except where the failure to do so could not reasonably
be expected to have a Material Adverse Change. In connection with this Agreement, Borrower has delivered to Bank a completed certificate signed by Borrower, entitled “Perfection Certificate”. Borrower represents and warrants to Bank that
(a) Borrower’s exact legal name is that indicated on the Perfection Certificate and on the signature page hereof; (b) Borrower is an organization of the type and is organized in the jurisdiction set forth in the Perfection
Certificate; (c) the Perfection Certificate accurately sets forth Borrower’s organizational identification number or accurately states that Borrower has none; (d) the Perfection Certificate accurately sets forth Borrower’s place
of business, or, if more than one, its chief executive office as well as Borrower’s mailing address (if different than its chief executive office); (e) Borrower (and each of its predecessors) has not, in the past five (5) years,
changed its jurisdiction of formation, organizational structure or type, or any organizational number assigned by its jurisdiction; and (f) all other information set forth on the Perfection Certificate pertaining to Borrower and each of its
Subsidiaries is accurate and complete (it being understood and agreed that Borrower may from time to time update certain information in the Perfection Certificate after the Effective Date to the extent permitted by one or more specific provisions in
this Agreement). If Borrower is not now a Registered Organization but later becomes one, Borrower shall promptly notify Bank of such occurrence and provide Bank with Borrower’s organizational identification number. 

The execution, delivery and performance by Borrower of the Loan Documents to which it is a party have been duly authorized, and do not
(i) conflict with any of Borrower’s organizational documents, (ii) contravene, conflict with, constitute a default under or violate any material Requirement of Law, (iii) contravene, conflict or violate any applicable order,
writ, judgment, injunction, decree, determination or award of any Governmental Authority by which Borrower or any of its Subsidiaries or any of their property or assets may be bound or affected, (iv) require any action by, filing, registration,
or qualification with, or Governmental Approval from, any Governmental Authority (except such Governmental Approvals which have already been obtained and are in full force and effect or (v) constitute an event of default under any material
agreement by which Borrower is bound. Borrower is not in default under any agreement to which it is a party or by which it is bound in which the default could reasonably be expected to have a material adverse effect on Borrower’s business. 

5.2 Collateral. Borrower has good title to, has rights in, and the power to transfer each item of the Collateral upon which it purports
to grant a Lien hereunder, free and clear of any and all Liens except Permitted Liens. Borrower has no deposit accounts other than the deposit accounts with Bank, the deposit accounts, if any, described in the Perfection Certificate delivered to
Bank in connection herewith, or of which Borrower has given Bank notice and taken such actions as are necessary to give Bank a perfected security interest therein. The Accounts are bona fide, existing obligations of the Account Debtors. 

The Collateral is not in the possession of any third party bailee (such as a warehouse) except as otherwise provided in the Perfection
Certificate. None of the components of the Collateral shall be maintained at locations other than as provided in the Perfection Certificate or as permitted pursuant to Section 7.2. 

All Inventory is in all material respects of good and marketable quality, free from material defects. 

  
 -7- 

 Borrower is the sole owner of the Intellectual Property which it owns or purports to own except
for (a) nonexclusive licenses granted to its customers in the ordinary course of business, (b) over-the-counter software that is commercially available to the public, and (c) material Intellectual Property licensed to Borrower and
noted on the Perfection Certificate. Each Patent which it owns or purports to own and which is material to Borrower’s business is valid and enforceable, and no part of the Intellectual Property which Borrower owns or purports to own and which
is material to Borrower’s business has been judged invalid or unenforceable, in whole or in part. To the best of Borrower’s knowledge, no claim has been made that any part of the Intellectual Property violates the rights of any third party
except to the extent such claim would not reasonably be expected to have a material adverse effect on Borrower’s business. 
 5.3
Accounts Receivable; Inventory. 
 (a) Each Account with respect to which Advances are requested by Borrower shall, on the date
each Advance is requested and made, (a) represent bona fide existing service contracts or other unconditional obligations of the Account Debtor created by the sale, delivery, and acceptance of goods or the rendition of services, or the
non-exclusive licensing of Intellectual Property, in the ordinary course of Borrower’s business, and (b) meets the definition of Eligible Accounts. 

(b) All statements made and all unpaid balances appearing in all invoices, instruments and other documents evidencing the Eligible Accounts are
and shall be true and correct and all such invoices, instruments and other documents, and all of Borrower’s Books are genuine and in all respects what they purport to be. All sales and other transactions underlying or giving rise to each
Eligible Account shall comply in all material respects with all applicable laws and governmental rules and regulations. Borrower has no knowledge of any actual or imminent Insolvency Proceeding of any Account Debtor whose accounts are Eligible
Accounts in any Borrowing Base Certificate. To the best of Borrower’s knowledge, all signatures and endorsements on all documents, instruments, and agreements relating to all Eligible Accounts are genuine, and all such documents, instruments
and agreements are legally enforceable in accordance with their terms. 
 5.4 Litigation. There is no claim, suit, litigation,
proceeding or investigation pending or (to the best of Borrower’s knowledge) threatened in writing against Borrower in any court or before any governmental agency which could reasonably be expected to result, either separately or in the
aggregate, in any Material Adverse Change. 
 5.5 Financial Statements; Financial Condition. All consolidated financial
statements for Borrower and any of its Subsidiaries delivered to Bank fairly present in all material respects Borrower’s consolidated financial condition and Borrower’s consolidated results of operations. There has been no Material Adverse
Change in Borrower’s consolidated financial condition since the date of the most recent financial statements submitted to Bank. 

5.6 Solvency. Borrower is able to pay its debts (including trade debts) as they mature. 

5.7 Regulatory Compliance. Borrower is not an “investment company” or a company “controlled” by an “investment
company” under the Investment Company Act of 1940, as amended. Borrower is not engaged as one of its important activities in extending credit for margin stock (under Regulations X, T and U of the Federal Reserve Board of Governors). Borrower
has complied in all material respects with the Federal Fair Labor Standards Act. Neither Borrower nor any of its Subsidiaries is a “holding company” or an “affiliate” of a “holding company” or a “subsidiary
company” of a “holding company” as each term is defined and used in the Public Utility Holding Company Act of 2005. Borrower has not violated any laws, ordinances or rules, the violation of which could reasonably be expected to have a
material adverse effect on its business. None of Borrower’s or any of its Subsidiaries’ properties or assets has been used by Borrower or any Subsidiary or, to the best of Borrower’s knowledge, by previous Persons, in disposing,
producing, storing, treating, or transporting any hazardous substance other than legally. Borrower and each of its Subsidiaries have obtained all consents, approvals and authorizations of, made all declarations or filings with, and given all notices
to, all Government Authorities that are necessary to continue their respective businesses as currently conducted. 
 5.8
Subsidiaries; Investments. Borrower does not own any stock, partnership interest or other equity securities except for Permitted Investments. 

  
 -8- 

 5.9 Tax Returns and Payments; Pension Contributions. Borrower has timely filed all
required material tax returns and reports, and Borrower has timely paid all material foreign, federal, state and local taxes, assessments, deposits and contributions owed by Borrower. Borrower may defer payment of any contested taxes, provided that
Borrower (a) in good faith contests its obligation to pay the taxes by appropriate proceedings promptly and diligently instituted and conducted, (b) notifies Bank in writing of the commencement of, and any material development in, the
proceedings, (c) posts bonds or takes any other steps required to prevent the governmental authority levying such contested taxes from obtaining a Lien upon any of the Collateral that is other than a “Permitted Lien”. Borrower is
unaware of any claims or adjustments proposed for any of Borrower’s prior tax years which could result in additional taxes becoming due and payable by Borrower. Borrower has paid all amounts necessary to fund all present pension, profit sharing
and deferred compensation plans in accordance with their terms, and Borrower has not withdrawn from participation in, and has not permitted partial or complete termination of, or permitted the occurrence of any other event with respect to, any such
plan which could reasonably be expected to result in any liability of Borrower, including any liability to the Pension Benefit Guaranty Corporation or its successors or any other governmental agency. 

5.10 Use of Proceeds. Borrower shall use the proceeds of the Credit Extensions solely as working capital and to fund its general
business requirements and not for personal, family, household or agricultural purposes. 
 5.11 Full Disclosure. No written
representation, warranty or other statement of Borrower in any certificate or written statement given to Bank, as of the date such representation, warranty, or other statement was made, taken together with all such written certificates and written
statements given to Bank, contains any untrue statement of a material fact or omits to state a material fact necessary to make the statements contained in the certificates or statements not misleading (it being recognized by Bank that the
projections and forecasts provided by Borrower in good faith and based upon reasonable assumptions are not viewed as facts and that actual results during the period or periods covered by such projections and forecasts may differ from the projected
or forecasted results). 
 5.12 Definition of “Knowledge.” For purposes of the Loan Documents, whenever a
representation or warranty is made to Borrower’s knowledge or awareness, to the “best of Borrower’s knowledge, or with a similar qualification, knowledge or awareness means the actual knowledge, after reasonable investigation, of the
Responsible Officers. 
 6. AFFIRMATIVE COVENANTS 

Borrower shall do all of the following: 

6.1 Government Compliance. 

(a) Maintain its legal existence and good standing in its jurisdiction of formation and maintain qualification in each jurisdiction in which
the failure to so qualify would reasonably be expected to have a material adverse effect on Borrower’s business or operations. Borrower shall comply with all laws, ordinances and regulations to which it is subject, noncompliance with which
could have a material adverse effect on Borrower’s business. 
 (b) Obtain all of the Governmental Approvals necessary for the
performance by Borrower of its obligations under the Loan Documents to which it is a party and the grant of a security interest to Bank in all of its property. Borrower shall promptly provide copies of any such obtained Governmental Approvals to
Bank. 
 6.2 Financial Statements, Reports, Certificates. Provide Bank with the following: 

(a) Weekly accounts receivable agings and reconciliations, aged by invoice date, and accounts payable agings, and transaction reports, together
with a Borrowing Base Certificate in the form of Exhibit B attached hereto, delivered to Bank on the last day of each week, as long as Revolving Loans are outstanding and each time an Advance is made, or if in a Streamline Period, then no later than
thirty (30) days after the last day of each month, provided that Borrower gives Bank thirty (30) days’ notice to request an Advance; 

  
 -9- 

 (b) as soon as available, but no later than thirty (30) days after the last day of each
month, a company prepared consolidated balance sheet and income statement covering Borrower’s consolidated operations for such month certified by a Responsible Officer and in a form acceptable to Bank (the “Monthly Financial
Statements”); 
 (c) within thirty (30) days after the last day of each month and together with the Monthly Financial
Statements, a duly completed Compliance Certificate signed by a Responsible Officer, certifying that as of the end of such month, Borrower was in full compliance with all of the terms and conditions of this Agreement, and setting forth calculations
showing compliance with the financial covenants set forth in this Agreement and such other information as Bank shall reasonably request, including, without limitation, a statement that at the end of such month there were no held checks; 

(d) within thirty-one (31) days after the end of each fiscal year of Borrower, annual financial projections in the form provided to
Borrower’s investors for such fiscal year as approved by Borrower’s board of directorss; and 
 (e) as soon as available, and in
any event within 180 days following the end of Borrower’s fiscal year, audited consolidated financial statements prepared under GAAP, consistently applied, together with an unqualified opinion on the financial statements from an independent
certified public accounting firm acceptable to Bank in its reasonable discretion. 
 (f) in the event that Borrower becomes subject to the
reporting requirements under the Exchange Act within five (5) days of filing, copies of all periodic and other reports, proxy statements and other materials filed by Borrower with the SEC, any Governmental Authority succeeding to any or all of
the functions of the SEC or with any national securities exchange, or distributed to its shareholders, as the case may be. Documents required to be delivered pursuant to the terms hereof (to the extent any such documents are included in materials
otherwise filed with the SEC) may be delivered electronically and if so delivered, shall be deemed to have been delivered on the date on which Borrower posts such documents, or provides a link thereto, on Borrower’s website on the Internet at
Borrower’s website address; 
 (g) promptly inform Bank in writing of any claim, proceeding, litigation or investigation in the future
threatened in writing or instituted against Borrower involving any single claim that can reasonably be expected to result in liability in excess of $250,000, or $500,000 in the aggregate; and 

(h) other financial information reasonably requested by Bank. 

6.3 Accounts Receivable. 

(a) Schedules and Documents Relating to Accounts. Borrower shall deliver to Bank transaction reports and schedules of collections, as
provided in Section 6.2, on Bank’s standard forms; provided, however, that Borrower’s failure to execute and deliver the same shall not affect or limit Bank’s Lien and other rights in all of Borrower’s Accounts, nor shall
Bank’s failure to advance or lend against a specific Account affect or limit Bank’s Lien and other rights therein. If requested by Bank, Borrower shall furnish Bank with copies (or, at Bank’s request, originals) of all contracts,
orders, invoices, and other similar documents, and all shipping instructions, delivery receipts, bills of lading, and other evidence of delivery, for any goods the sale or disposition of which gave rise to such Accounts. In addition, Borrower shall
deliver to Bank, on its request, the originals of all instruments, chattel paper, security agreements, guarantees and other documents and property evidencing or securing any Accounts, in the same form as received, with all necessary indorsements,
and copies of all credit memos. 
 (b) Disputes. Borrower shall notify Bank of all material disputes or claims relating to Accounts in
the regular reports provided to Bank. Borrower may forgive (completely or partially), compromise, or settle any Account for less than payment in full, or agree to do any of the foregoing so long as (i) Borrower does so in good faith, in a
commercially reasonable manner, in the ordinary course of business, in arm’s-length transactions, and reports the same to Bank in the regular reports provided to Bank; (ii) no Event of Default has occurred and is continuing; and
(iii) after taking into account all such discounts, settlements and forgiveness, the total outstanding Advances will not exceed the Availability Amount. 

  
 -10- 

 (c) Collection of Accounts. Borrower shall have the right to collect all Accounts, unless
and until an Event of Default has occurred and is continuing. Bank shall require that all proceeds of Accounts be deposited by Borrower into a lockbox account, or such other “blocked account” as specified by Bank, pursuant to a blocked
account agreement in such form as Bank may specify in its good faith business judgment. Whether or not an Event of Default has occurred and is continuing, Borrower shall immediately deliver all payments on and proceeds of Accounts to an account
maintained with Bank to be applied (i) prior to an Event of Default, pursuant to the terms of Section 2.5(b) hereof, and (ii) after the occurrence and during the continuance of an Event of Default, pursuant to the terms of
Section 9.4 hereof. Notwithstanding anything to the contrary in this Agreement, Bank shall apply the cash deposits from the lockbox, on a daily basis, to reduce any amounts outstanding under the Revolving Line (for purposes of calculating
interest, collections shall be applied three days after receipt thereof by Bank); provided, however, during a Streamline Period, Bank shall transfer such cash deposits in the lockbox into Borrower’s operating account held with Bank. 

(d) Returns. Provided no Event of Default has occurred and is continuing, if any Account Debtor returns any Inventory to Borrower,
Borrower shall promptly (i) determine the reason for such return, (ii) issue a credit memorandum to the Account Debtor in the appropriate amount, and (iii) provide a copy of such credit memorandum to Bank, upon request from Bank. In
the event any attempted return occurs after the occurrence and during the continuance of any Event of Default, Borrower shall immediately promptly notify Bank of the return of the Inventory. 

(e) Verification. Bank may, from time to time, verify directly with the respective Account Debtors the validity, amount and other
matters relating to the Accounts, either in the name of Borrower or Bank or such other name as Bank may choose; provided, that so long as no Event of Default exists, such verification will be made in cooperation with Borrower. 

(f) No Liability. Bank shall not be responsible or liable for any shortage or discrepancy in, damage to, or loss or destruction of, any
goods, the sale or other disposition of which gives rise to an Account, or for any error, act, omission, or delay of any kind occurring in the settlement, failure to settle, collection or failure to collect any Account, or for settling any Account
in good faith for less than the full amount thereof, nor shall Bank be deemed to be responsible for any of Borrower’s obligations under any contract or agreement giving rise to an Account. Nothing herein shall, however, relieve Bank from
liability for its own gross negligence or willful misconduct. 
 6.4 Remittance of Proceeds. Except as otherwise provided in
Section 6.3(c), deliver, in kind, all proceeds arising from the disposition of any Collateral to Bank in the original form in which received by Borrower not later than the following Business Day after receipt by Borrower, to be applied to the
Obligations (1) prior to an Event of Default, pursuant to the terms of Section 2.5(b) hereof, and (2) after the occurrence and during the continuance of an Event of Default, pursuant to the terms of Section 9.4 hereof; provided
that, if no Event of Default has occurred and is continuing, Borrower shall not be obligated to remit to Bank the proceeds of the sale of surplus, worn out or obsolete Equipment disposed of by Borrower in good faith in an arm’s length
transaction for an aggregate purchase price of Two Hundred Thousand Dollars ($200,000) or less (for all such transactions in any fiscal year). Borrower agrees that it will maintain all proceeds of Collateral in an account maintained with Bank or any
other account that is otherwise subject to a perfected Lien in favor of Bank. Nothing in this Section limits the restrictions on disposition of Collateral set forth elsewhere in this Agreement. 

6.5 Taxes; Pensions. Timely file all required material tax returns and reports and timely pay all material foreign, federal, state and
local taxes, assessments, deposits and contributions owed by Borrower, except for deferred payment of any taxes contested pursuant to the terms of Section 5.9 hereof; and shall deliver to Bank, on demand, appropriate certificates attesting to
such payments, and pay all amounts necessary to fund all present pension, profit sharing and deferred compensation plans in accordance with their terms. 

  
 -11- 

 6.6 Access to Collateral; Books and Records. At reasonable times and not more than once
every six (6) months unless an Event of Default exists, on five (5) Business Day’s notice (provided no notice is required if an Event of Default has occurred and is continuing), Bank, or its agents, shall have the right to inspect the
Collateral and the right to audit and copy Borrower’s Books. The foregoing inspections and audits shall be at Borrower’s expense, and the charge therefor shall be $850 per person per day (or such higher amount as shall represent
Bank’s then-current standard charge for the same), plus reasonable out-of-pocket expenses. In the event Borrower and Bank schedule an audit more than ten (10) days in advance, and Borrower cancels or seeks to reschedules the audit with
less than ten (10) days written notice to Bank, then (without limiting any of Bank’s rights or remedies), Borrower shall pay Bank a fee of $1,000 plus any out-of-pocket expenses incurred by Bank to compensate Bank for the anticipated costs
and expenses of the cancellation or rescheduling. 
 6.7 Insurance. Keep its business and the Collateral insured for risks and
in amounts standard for companies in Borrower’s industry and location and as Bank may reasonably request. Insurance policies shall be in a form, with companies, and in amounts that are satisfactory to Bank. All property policies shall have a
lender’s loss payable endorsement showing Bank as a lender loss payee and waive subrogation against Bank. All liability policies shall show, or have endorsements showing, Bank as an additional insured. All policies (or their respective
endorsements) shall provide that the insurer shall give Bank at least twenty (20) days notice before canceling, amending, or declining to renew its policy. At Bank’s request, Borrower shall deliver certified copies of policies and evidence
of all premium payments. If Borrower fails to obtain insurance as required under this Section 6.7 or to pay any amount or furnish any required proof of payment to third persons and Bank, Bank may make all or part of such payment or obtain such
insurance policies required in this Section 6.7, and take any action under the policies Bank deems prudent. Unless an Event of Default exists, all proceeds of insurance policies may be used by Borrower to repair or replace any destroyed,
damaged or lost property or otherwise to purchase property that is useful to Borrower’s business. 
 6.8 Operating
Accounts. 
 (a) Maintain its primary operating and other deposit accounts and securities accounts with Bank and Bank’s
Affiliates. Conduct all foreign exchange transactions with Bank and Bank’s Affiliates. 
 (b) Provide Bank five (5) days prior
written notice before establishing any Collateral Account (other than Customer Trust Accounts) at or with any bank or financial institution other than Bank or Bank’s Affiliates. For each Collateral Account that Borrower at any time maintains,
Borrower shall cause the applicable bank or financial institution (other than Bank) at or with which any Collateral Account is maintained to execute and deliver a Control Agreement or other appropriate instrument with respect to such Collateral
Account to perfect Bank’s Lien in such Collateral Account in accordance with the terms hereunder which Control Agreement may not be terminated without the prior written consent of Bank. The provisions of the previous sentence shall not apply to
(i) deposit accounts exclusively used for payroll, payroll taxes and other employee wage and benefit payments to or for the benefit of Borrower’s employees and identified to Bank by Borrower as such, (ii) deposit accounts into which
the Transfer Service Security Deposit is deposited or (iii) the Customer Trust Accounts. 
 6.9 Financial Covenant. Maintain on
a trailing six months basis, measured as of the last day of each fiscal quarter specified below, EBITDA of at least the amount set forth below opposite the period then ended: 

 

			
	 Fiscal Quarter Ending
	  	 Minimum EBITDA

	June 30, 2011	  	($2,700,000)
	September 30, 2011	  	($500,000)
	December 31, 2011	  	$2,700,000
	Thereafter	  	 To be mutually determined

between Borrower and
 Bank based
upon
 Borrower’s board approved

2012 financial plan

  
 -12- 

 6.10 Protection of Intellectual Property Rights. (a) Protect, defend and maintain the
validity and enforceability of its Intellectual Property that is necessary to Borrower’s business; (ii) promptly advise Bank in writing of material infringements of its Intellectual Property that is necessary to Borrower’s business;
and (b) not allow any Intellectual Property material to Borrower’s business to be abandoned, forfeited or dedicated to the public without Bank’s written consent. 

6.11 Litigation Cooperation. From the date hereof and continuing through the termination of this Agreement, make available to Bank,
without expense to Bank, Borrower and its officers, employees and agents and Borrower’s books and records, to the extent that Bank may deem them reasonably necessary to prosecute or defend any third-party suit or proceeding instituted by or
against Bank with respect to any Collateral or relating to Borrower. 
 6.12 Further Assurances. Execute any further
instruments and take further action as Bank reasonably requests to perfect or continue Bank’s Lien in the Collateral or to effect the purposes of this Agreement. 

7. NEGATIVE COVENANTS 

Borrower shall not do any of the following without Bank’s prior written consent: 

7.1 Dispositions. Convey, sell, lease, transfer, assign, or otherwise dispose of (collectively, “Transfer”), or permit
any of its Subsidiaries to Transfer, all or any part of its business or property, except for Transfers (a) of Inventory in the ordinary course of business; (b) of worn-out or obsolete Equipment; and (c) in connection with Permitted
Liens and Permitted Investments; (d) of non-exclusive licenses for the use of the property of Borrower or its Subsidiaries in the ordinary course of business and licenses that could not result in a legal transfer of title of the licensed
property ; (e) of exclusive licenses and similar arrangements for the use of property of the Borrower or its Subsidiaries which in the good faith judgment of the Borrower’s management is non-core technology and not material to
Borrower’s consolidated business; and (f) other Transfers which in the aggregate do not exceed $250,000 in any fiscal year. 

7.2 Changes in Business, Management, Ownership, or Business Locations. (a) Engage in or permit any of its Subsidiaries to engage
in any business other than the businesses currently engaged in by Borrower and such Subsidiary, as applicable, or reasonably related thereto; (b) liquidate or dissolve; or (c) enter into any transaction or series of related transactions in
which the stockholders of Borrower who were not stockholders immediately prior to the first such transaction own more than 35% of the voting stock of Borrower immediately after giving effect to such transaction or related series of such transactions
(other than by the sale of Borrower’s equity securities in a public offering or to venture capital investors so long as Borrower identifies to Bank the venture capital investors prior to the closing of the transaction and provides to Bank a
description of the material terms of the transaction and no Event of Default would otherwise result). 
 Borrower shall not, without
at least thirty (30) days prior written notice to Bank: (1) add any new offices or business locations, including warehouses (unless such new offices or business locations contain less than Fifty Thousand Dollars ($50,000) in
Borrower’s assets or property) or deliver any portion of the Collateral valued, individually or in the aggregate, in excess of Fifty Thousand Dollars ($50,000) to a bailee at a location other than to a bailee and at a location already disclosed
in the Perfection Certificate, (2) change its jurisdiction of organization, (3) change its organizational structure or type, (4) change its legal name, or (5) change any organizational number (if any) assigned by its jurisdiction
of organization. If Borrower intends to deliver any portion of the Collateral valued, individually or in the aggregate, in excess of Fifty Thousand Dollars ($50,000) to a bailee that is not already disclosed in the Perfection Certificate, and Bank
and such bailee are not already parties to a bailee agreement governing both the Collateral and the location to which Borrower intends to deliver the Collateral, then Borrower will first receive the written consent of Bank, and such bailee shall
execute and deliver a bailee agreement in form and substance satisfactory to Bank in its sole discretion; provided, that Borrower may hold an amount not to exceed $1,500,000 with Metabank (or any other financial institution in lieu of
Metabank) in conjunction with Borrower’s funds transfer service offering (the “Transfer Service Security Deposit”). 

7.3 Mergers or Acquisitions. Merge or consolidate, or permit any of its Subsidiaries to merge or consolidate, with any other Person, or
acquire, or permit any of its Subsidiaries to acquire, all or substantially all of the capital stock or property of another Person, except where (i) no Event of Default has occurred and is continuing or would result from such action during the
term of this Agreement and (ii) such transaction would not result in a decrease of more than 25% of Borrower’s Tangible Net Worth. A Subsidiary may merge or consolidate into another Subsidiary or into Borrower. 

  
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 7.4 Indebtedness. Create, incur, assume, or be liable for any Indebtedness, or permit any
Subsidiary to do so, other than Permitted Indebtedness. 
 7.5 Encumbrance. Create, incur, allow, or suffer any Lien on any of
the Collateral, or assign or convey any right to receive income, including the sale of any Accounts, or permit any of its Subsidiaries to do so, except for Permitted Liens, permit any Collateral not to be subject to the first priority security
interest granted herein, or enter into any agreement, document, instrument or other arrangement (except with or in favor of Bank or Gold Hill Venture Lending 03, LP) with any Person which directly or indirectly prohibits or has the effect of
prohibiting Borrower from assigning, mortgaging, pledging, granting a security interest in or upon, or encumbering any of Borrower’s Intellectual Property, except (i) as is otherwise permitted in Section 7.1 hereof and the definition
of “Permitted Liens” herein or (ii) unless a security interest in favor of Bank , its successors, or assigns is permitted). 

7.6 Maintenance of Collateral Accounts. Maintain any Collateral Account except pursuant to the terms of Section 6.8(b) hereof.

 7.7 Distributions; Investments. (a) Pay any dividends or make any distribution or payment or redeem, retire or purchase
any capital stock other than (i) purchases of capital stock from former employees, consultants and directors pursuant to repurchase agreements or other similar agreements in an aggregate amount not to exceed $250,000 in cash in the aggregate in
any fiscal year, provided that no Event of Default has occurred, is continuing or would exist after giving effect to such repurchases; (ii) distributions or dividends consisting solely of Borrower’s capital stock; (iii) purchases for
value of any rights distributed in connection with any stockholder rights plan; (iv) any Subsidiary may pay dividends or make distributions to Borrower or another Subsidiary; and (v) Borrower may convert any of its convertible securities
into other securities pursuant to the terms of such convertible securities or otherwise in exchange thereof and may make payments in cash for any fractional shares upon such conversion or in connection with the exercise or conversion of warrants or
other securities; or (b) directly or indirectly make any Investment other than Permitted Investments, or permit any of its Subsidiaries to do so. 

7.8 Transactions with Affiliates. Directly or indirectly enter into or permit to exist any material transaction with any Affiliate of
Borrower, except for transactions that are in the ordinary course of Borrower’s business, upon fair and reasonable terms that are no less favorable to Borrower than would be obtained in an arm’s length transaction with a non-affiliated
Person; provided that transfer pricing arrangements with Subsidiaries is disclosed to Bank in a detailed writing, such transfer pricing arrangements shall be permitted so long as such transfer pricing arrangements (i) comply in all material
respects with applicable tax law, including Section 482 of the Internal Revenue Code of 1986, as amended and the related treasury regulations and (ii) do not result in the imposition of any penalty on Borrower or any of its
Subsidiaries. 
 7.9 Subordinated Debt. (a) Make or permit any payment on any Subordinated Debt, except under the terms
of the subordination, intercreditor, or other similar agreement to which such Subordinated Debt is subject, or (b) amend any provision in any document relating to the Subordinated Debt which would increase the amount thereof or adversely affect
the subordination thereof to Obligations owed to Bank. 
 7.10 Compliance. Become an “investment company” or a
company controlled by an “investment company”, under the Investment Company Act of 1940, as amended, or undertake as one of its important activities extending credit to purchase or carry margin stock (as defined in Regulation U of the
Board of Governors of the Federal Reserve System), or use the proceeds of any Credit Extension for that purpose; fail to meet the minimum funding requirements of ERISA, permit a Reportable Event or Prohibited Transaction, as defined in ERISA, to
occur; fail to comply with the Federal Fair Labor Standards Act or violate any other law or regulation, if the violation could reasonably be expected to have a material adverse effect on Borrower’s business, or permit any of its Subsidiaries to
do so; withdraw or permit any Subsidiary to withdraw from participation in, permit partial or complete termination of, or permit the occurrence of any other event with respect to, any present pension, profit sharing and deferred compensation plan
which could reasonably be expected to result in any liability of Borrower, including any liability to the Pension Benefit Guaranty Corporation or its successors or any other governmental agency. 

  
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 8. EVENTS OF DEFAULT 

Any one of the following shall constitute an event of default (an “Event of Default”) under this Agreement: 

8.1 Payment Default. Borrower fails to (a) make any payment of principal or interest on any Credit Extension on its due date, or
(b) pay any other Obligations within three (3) Business Days after such Obligations are due and payable (which three (3) Business Day cure period shall not apply to payments due on the Revolving Line Maturity Date). During the cure
period, the failure to make or pay any payment specified under clause (a) or (b) hereunder is not an Event of Default (but no Credit Extension will be made during the cure period); 

8.2 Covenant Default. 

(a) Borrower fails or neglects to perform any obligation in Section 6.2, 6.9, 6.13 or violates any covenant in Section 7; or 

(b) Borrower fails or neglects to perform, keep, or observe any other term, provision, condition, covenant or agreement contained in this
Agreement or any Loan Documents, and as to any default (other than those specified in this Section 8) under such other term, provision, condition, covenant or agreement that can be cured, has failed to cure the default within ten (10) days
after the occurrence thereof’, provided, however, that if the default cannot by its nature be cured within the ten (10) day period or cannot after diligent attempts by Borrower be cured within such ten (10) day period, and such
default is likely to be cured within a reasonable time, then Borrower shall have an additional period (which shall not in any case exceed thirty (30) days) to attempt to cure such default, and within such reasonable time period the failure to
cure the default shall not be deemed an Event of Default (but no Credit Extensions shall be made during such cure period). Cure periods provided under this section shall not apply, among other things, to financial covenants or any other covenants
set forth in clause (a) above; 
 8.3 Attachment; Levy; Restraint on Business. 

(a) (i) The service of process seeking to attach, by trustee or similar process, any funds of Borrower or of any entity under the control of
Borrower (including a Subsidiary) on deposit or otherwise maintained with Bank or any Bank Affiliate, or (ii) a notice of lien or levy is filed against any of Borrower’s assets by any government agency, and the same under subclauses
(i) and (ii) hereof are not, within ten (10) days after the occurrence thereof; discharged or stayed (whether through the posting of a bond or otherwise); provided, however, no Credit Extensions shall be made during any ten
(10) day cure period; or 
 (b) (i) any material portion of Borrower’s assets is attached, seized, levied on, or comes into
possession of a trustee or receiver, or (ii) any court order enjoins, restrains, or prevents Borrower from conducting any material part of its business; 

8.4 Insolvency. (a) Borrower is unable to pay its debts (including trade debts) as they become due; (b) Borrower begins an
Insolvency Proceeding; or (c) an Insolvency Proceeding is begun against Borrower and not dismissed or stayed within forty-five (45) days (but no Credit Extensions shall be made while of any of the conditions described in clause
(a) exist and/or until any Insolvency Proceeding is dismissed); 
 8.5 Other Agreements. There is, under any agreement to
which Borrower or any Guarantor is a party with a third party or parties, (a) any default resulting in a right by such third party or parties, whether or not exercised, to accelerate the maturity of any Indebtedness in an amount individually or
in the aggregate in excess of Five Hundred Thousand Dollars ($500,000); or (b) any default by Borrower or Guarantor, the result of which could have a material adverse effect on Borrower’s or any Guarantor’s business; 

  
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 8.6 Judgments. One or more final judgments, orders, or decrees for the payment of money in
an amount, individually or in the aggregate, of at least Two Hundred Fifty Thousand Dollars ($250,000) (not covered by independent third-party insurance as to which liability has been accepted by such insurance carrier) shall be rendered against
Borrower and the same are not, within ten (10) days after the entry thereof; discharged or execution thereof stayed or bonded pending appeal, or such judgments are not discharged prior to the expiration of any such stay (provided that no Credit
Extensions will be made prior to the discharge, stay, or bonding of such judgment, order, or decree); 
 8.7
Misrepresentations. Borrower or any Person acting for Borrower makes any representation, warranty, or other statement now or later in this Agreement, any Loan Document or in any writing delivered to Bank or to induce Bank to enter this Agreement
or any Loan Document, and such representation, warranty, or other statement is incorrect in any material respect when made; 

8.11 Governmental Approvals. Any Governmental Approval shall have been (a) revoked, rescinded, suspended, modified in an adverse
manner or not renewed in the ordinary course for a full term or (b) subject to any decision by a Governmental Authority that designates a hearing with respect to any applications for renewal of any of such Governmental Approval or that could
result in the Governmental Authority taking any of the actions described in clause (a) above, and in the case of clause (a) and clause (b) above, such decision or such revocation, rescission, suspension, modification or non-renewal
has, or could reasonably be expected to have, a Material Adverse Change; or 
 8.12 Material Adverse Change. A Material
Adverse Change shall occur. 
 9. BANK’S RIGHTS AND REMEDIES 

9.1 Rights and Remedies. While an Event of Default occurs and continues Bank may, without notice or demand, do any or all of the
following: 
 (a) declare all Obligations immediately due and payable (but if an Event of Default described in Section 8.5 occurs
all Obligations are immediately due and payable without any action by Bank); 
 (b) stop advancing money or extending credit for
Borrower’s benefit under this Agreement or under any other agreement between Borrower and Bank; 
 (c) demand that Borrower
(i) deposit cash with Bank in an amount equal to 105% of the Dollar Equivalent of the aggregate face amount of all Letters of Credit remaining undrawn (plus all interest, fees, and costs due or to become due in connection therewith (as
estimated by Bank in its good faith business judgment)), to secure all of the Obligations relating to such Letters of Credit, as collateral security for the repayment of any future drawings under such Letters of Credit, and Borrower shall forthwith
deposit and pay such amounts, and (ii) pay in advance all letter of credit fees scheduled to be paid or payable over the remaining term of any Letters of Credit; 

(d) terminate any FX Forward Contracts; 

(e) settle or adjust disputes and claims directly with Account Debtors for amounts on terms and in any order that Bank considers advisable,
notify any Person owing Borrower money of Bank’s security interest in such funds, and verify the amount of such account; 
 (f) make any
payments and do any acts it considers necessary or reasonable to protect the Collateral and/or its security interest in the Collateral. Borrower shall assemble the Collateral if Bank requests and make it available as Bank designates. Bank may enter
premises where the Collateral is located, take and maintain possession of any part of the Collateral, and pay, purchase, contest, or compromise any Lien which appears to be prior or superior to its security interest and pay all expenses incurred.
Borrower grants Bank a license to enter and occupy any of its premises, without charge, to exercise any of Bank’s rights or remedies; 

  
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 (g) apply to the Obligations any (i) balances and deposits of Borrower it holds, or
(ii) any amount held by Bank owing to or for the credit or the account of Borrower; 
 (h) ship, reclaim, recover, store, finish,
maintain, repair, prepare for sale, advertise for sale, and sell the Collateral. Bank is hereby granted a non-exclusive, royalty-free license or other right to use, without charge, Borrower’s labels, Patents, Copyrights, mask works, rights of
use of any name, trade secrets, trade names, Trademarks, and advertising matter, or any similar property as it pertains to the Collateral, in completing production of, advertising for sale, and selling any Collateral and, in connection with
Bank’s exercise of its rights under this Section, Borrower’s rights under all licenses and all franchise agreements inure to Bank’s benefit; place a “hold” on any account maintained with Bank and/or deliver a notice of
exclusive control, any entitlement order, or other directions or instructions pursuant to any Control Agreement or similar agreements providing control of any Collateral; 

(i) demand and receive possession of Borrower’s Books; and 

(j) exercise all rights and remedies available to Bank under the Loan Documents or at law or equity, including all remedies provided under the
Code (including disposal of the Collateral pursuant to the terms thereof). 
 9.2 Power of Attorney. Borrower hereby irrevocably
appoints Bank as its lawful attorney-in-fact, exercisable upon the occurrence and during the continuance of an Event of Default, to: (a) endorse Borrower’s name on any checks or other forms of payment or security; (b) sign
Borrower’s name on any invoice or bill of lading for any Account or drafts against Account Debtors; (c) settle and adjust disputes and claims about the Accounts directly with Account Debtors, for amounts and on terms Bank determines
reasonable; (d) make, settle, and adjust all claims under Borrower’s insurance policies; (e) pay, contest or settle any Lien, charge, encumbrance, security interest, and adverse claim in or to the Collateral, or any judgment based
thereon, or otherwise take any action to terminate or discharge the same; and (f) transfer the Collateral into the name of Bank or a third party as the Code permits. Borrower hereby appoints Bank as its lawful attorney-in-fact to sign
Borrower’s name on any documents necessary to perfect or continue the perfection of Bank’s security interest in the Collateral regardless of whether an Event of Default has occurred until all Obligations (other than inchoate indemnity
obligations) have been satisfied in full and Bank is under no further obligation to make Credit Extensions hereunder. Bank’s foregoing appointment as Borrower’s attorney in fact, and all of Bank’s rights and powers, coupled with an
interest, are irrevocable until all Obligations (other than inchoate indemnity obligations) have been fully repaid and performed and Bank’s obligation to provide Credit Extensions terminates. 

9.3 Protective Payments. If Borrower fails to obtain the insurance called for by Section 6.7 or fails to pay any premium thereon
or fails to pay any other amount which Borrower is obligated to pay under this Agreement or any other Loan Document, Bank may obtain such insurance or make such payment, and all amounts so paid by Bank are Bank Expenses and immediately due and
payable, bearing interest at the then highest rate applicable to the Obligations, and secured by the Collateral. Bank will make reasonable efforts to provide Borrower with notice of Bank obtaining such insurance at the time it is obtained or within
a reasonable time thereafter. No payments by Bank are deemed an agreement to make similar payments in the future or Bank’s waiver of any Event of Default. 

9.4 Application of Payments and Proceeds. If an Event of Default has occurred and is continuing, Bank may apply any funds in its
possession, whether from Borrower account balances, payments, proceeds realized as the result of any collection of Accounts or other disposition of the Collateral, or otherwise, to the Obligations in such order as Bank shall determine in its sole
discretion. Any surplus shall be paid to Borrower by credit to the Designated Deposit Account or to other Persons legally entitled thereto; Borrower shall remain liable to Bank for any deficiency. If Bank, in its good faith business judgment,
directly or indirectly enters into a deferred payment or other credit transaction with any purchaser at any sale of Collateral, Bank shall have the option, exercisable at any time, of either reducing the Obligations by the principal amount of the
purchase price or deferring the reduction of the Obligations until the actual receipt by Bank of cash therefor. 

  
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 9.5 Bank’s Liability for Collateral. So long as Bank complies with reasonable banking
practices regarding the safekeeping of the Collateral in the possession or under the control of Bank, Bank shall not be liable or responsible for: (a) the safekeeping of the Collateral; (b) any loss or damage to the Collateral;
(c) any diminution in the value of the Collateral; or (d) any act or default of any carrier, warehouseman, bailee, or other Person. Borrower bears all risk of loss, damage or destruction of the Collateral. 

9.6 No Waiver; Remedies Cumulative. Bank’s failure, at any time or times, to require strict performance by Borrower of any
provision of this Agreement or any other Loan Document shall not waive, affect, or diminish any right of Bank thereafter to demand strict performance and compliance herewith or therewith. No waiver hereunder shall be effective unless signed by the
party granting the waiver and then is only effective for the specific instance and purpose for which it is given. Bank’s rights and remedies under this Agreement and the other Loan Documents are cumulative. Bank has all rights and remedies
provided under the Code, by law, or in equity. Bank’s exercise of one right or remedy is not an election and shall not preclude Bank from exercising any other remedy under this Agreement or other remedy available at law or in equity, and
Bank’s waiver of any Event of Default is not a continuing waiver. Bank’s delay in exercising any remedy is not a waiver, election, or acquiescence. 

9.7 Demand Waiver. Borrower waives demand, notice of default or dishonor, notice of payment and nonpayment, notice of any default,
nonpayment at maturity, release, compromise, settlement, extension, or renewal of accounts, documents, instruments, chattel paper, and guarantees held by Bank on which Borrower is liable. 

10. NOTICES 
 All
notices, consents, requests, approvals, demands, or other communication by any party to this Agreement or any other Loan Document must be in writing and shall be deemed to have been validly served, given, or delivered: (a) upon the earlier of
actual receipt and three (3) Business Days after deposit in the U.S. mail, first class, registered or certified mail return receipt requested, with proper postage prepaid; (b) upon transmission, when sent by electronic mail or facsimile
transmission; (c) one (1) Business Day after deposit with a reputable overnight courier with all charges prepaid; or (d) when delivered, if hand-delivered by messenger, all of which shall be addressed to the party to be notified and
sent to the address, facsimile number, or email address indicated below. Bank or Borrower may change its mailing or electronic mail address or facsimile number by giving the other party written notice thereof in accordance with the terms of this
Section 10. 
  

							
		  	If to Borrower:	    	 Yodlee, Inc.
 3600 Bridge Parkway, Suite 200

Redwood City, CA 94065
 Attn: Chief Financial Officer and
Controller
 Fax:
                                         
       
 Email: jfrankola@yodlee.com and mblourin@yodlee.com
	  	
				
		  	If to Bank:	    	 Silicon Valley Bank
 2400 Hanover St.

Palo Alto, CA 94304
 Attn: Jean Lee

Fax:
 Email: jlee@svb.com
	  	

 11. CHOICE OF LAW, VENUE, JURY TRIAL WAIVER AND JUDICIAL REFERENCE 

California law governs the Loan Documents without regard to principles of conflicts of law. Borrower and Bank each submit to the exclusive
jurisdiction of the State and Federal courts in Santa Clara County, California; provided, however, that nothing in this Agreement shall be deemed to operate to preclude Bank from bringing suit or taking other legal action in any other jurisdiction
to realize on the Collateral or any other security for the Obligations, or to enforce a judgment or other court order in favor of Bank. Borrower expressly submits and consents in advance to such jurisdiction in any action or suit commenced in any
such court, and Borrower hereby waives any objection that it may have based upon lack of personal jurisdiction, improper venue, or forum non conveniens and hereby consents to the granting of such legal or equitable relief as is deemed appropriate by
such court. Borrower hereby waives personal service of the summons, complaints, and other process issued in such 

  
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action or suit and agrees that service of such summons, complaints, and other process may be made by registered or certified mail addressed to Borrower at the address set forth in, or
subsequently provided by Borrower in accordance with, Section 10 of this Agreement and that service so made shall be deemed completed upon the earlier to occur of Borrower’s actual receipt thereof or three (3) days after deposit in
the U.S. mails, proper postage prepaid. 
 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BORROWER AND BANK EACH WAIVE THEIR RIGHT TO
A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR BASED UPON THIS AGREEMENT, THE LOAN DOCUMENTS OR ANY CONTEMPLATED TRANSACTION, INCLUDING CONTRACT, TORT, BREACH OF DUTY AND ALL OTHER CLAIMS. THIS WAIVER IS A MATERIAL INDUCEMENT FOR
BOTH PARTIES TO ENTER INTO THIS AGREEMENT. EACH PARTY HAS REVIEWED THIS WAIVER WITH ITS COUNSEL. 
 WITHOUT INTENDING IN ANY WAY TO
LIMIT THE PARTIES’ AGREEMENT TO WAIVE THEIR RESPECTIVE RIGHT TO A TRIAL BY JURY, if the above waiver of the right to a trial by jury is not enforceable, the parties hereto agree that any and all disputes or controversies of any nature between
them arising at any time shall be decided by a reference to a private judge, mutually selected by the parties (or, if they cannot agree, by the Presiding Judge of the Santa Clara County, California Superior Court) appointed in accordance with
California Code of Civil Procedure Section 638 (or pursuant to comparable provisions of federal law if the dispute falls within the exclusive jurisdiction of the federal courts), sitting without a jury, in Santa Clara County, California; and
the parties hereby submit to the jurisdiction of such court. The reference proceedings shall be conducted pursuant to and in accordance with the provisions of California Code of Civil Procedure §§ 638 through 645.1, inclusive. The private
judge shall have the power, among others, to grant provisional relief, including without limitation, entering temporary restraining orders, issuing preliminary and permanent injunctions and appointing receivers. All such proceedings shall be closed
to the public and confidential and all records relating thereto shall be permanently sealed. If during the course of any dispute, a party desires to seek provisional relief, but a judge has not been appointed at that point pursuant to the judicial
reference procedures, then such party may apply to the Santa Clara County, California Superior Court for such relief. The proceeding before the private judge shall be conducted in the same manner as it would be before a court under the rules of
evidence applicable to judicial proceedings. The parties shall be entitled to discovery which shall be conducted in the same manner as it would be before a court under the rules of discovery applicable to judicial proceedings. The private judge
shall oversee discovery and may enforce all discovery rules and orders applicable to judicial proceedings in the same manner as a trial court judge. The parties agree that the selected or appointed private judge shall have the power to decide all
issues in the action or proceeding, whether of fact or of law, and shall report a statement of decision thereon pursuant to California Code of Civil Procedure § 644(a). Nothing in this paragraph shall limit the right of any party at any time to
exercise self-help remedies, foreclose against collateral, or obtain provisional remedies. The private judge shall also determine all issues relating to the applicability, interpretation, and enforceability of this paragraph. 

12. GENERAL PROVISIONS 

12.1 Termination Prior to Revolving Line Maturity Date. This Agreement may be terminated prior to the Revolving Line Maturity Date by
Borrower, effective three (3) Business Days after written notice of termination is given to Bank or by Bank at any time after the occurrence an during the continuance of an Event of Default, upon notice, effective immediately. 

12.2 Successors and Assigns. This Agreement binds and is for the benefit of the successors and permitted assigns of each party.
Borrower may not assign this Agreement or any rights or obligations under it without Bank’s prior written consent (which may be granted or withheld in Bank’s discretion). Bank has the right, without the consent of or notice to Borrower, to
sell, transfer, assign, negotiate, or grant participation in all or any part of, or any interest in, Bank’s obligations, rights, and benefits under this Agreement and the other Loan Documents (other than the Warrant, as to which assignment,
transfer and other such actions are governed by the terms of the Warrant). 
 12.3 Indemnification. Borrower agrees to
indemnify, defend and hold Bank and its directors, officers, employees, agents, attorneys, or any other Person affiliated with or representing Bank (each, an “Indemnified Person”) harmless against: (a) all obligations, demands,
claims, and liabilities (collectively, “Claims”) claimed or asserted by any other party in connection with the transactions contemplated by the Loan Documents; and (b) all 

  
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losses or expenses (including Bank Expenses) in any way suffered, incurred, or paid by such Indemnified Person as a result of, following from, consequential to, or arising from transactions
between Bank and Borrower contemplated by the Loan Documents (including reasonable attorneys’ fees and expenses), except for Claims and/or losses directly caused by such Indemnified Person’s gross negligence or willful misconduct.

 12.4 Time of Essence. Time is of the essence for the performance of all Obligations in this Agreement. 

12.5 Severability of Provisions. Each provision of this Agreement is severable from every other provision in determining the
enforceability of any provision. 
 12.6 Correction of Loan Documents. Bank may correct patent errors and fill in any blanks
in the Loan Documents with the written agreement of the parties. 
 12.7 Amendments in Writing; Waiver; Integration. No
purported amendment or modification of any Loan Document, or waiver, discharge or termination of any obligation under any Loan Document, shall be enforceable or admissible unless, and only to the extent, expressly set forth in a writing signed by
the party against which enforcement or admission is sought. Without limiting the generality of the foregoing, no oral promise or statement, nor any action, inaction, delay, failure to require performance or course of conduct shall operate as, or
evidence, an amendment, supplement or waiver or have any other effect on any Loan Document. Any waiver granted shall be limited to the specific circumstance expressly described in it, and shall not apply to any subsequent or other circumstance,
whether similar or dissimilar, or give rise to, or evidence, any obligation or commitment to grant any further waiver. The Loan Documents represent the entire agreement about this subject matter and supersede prior negotiations or agreements. All
prior agreements, understandings, representations, warranties, and negotiations between the parties about the subject matter of the Loan Documents merge into the Loan Documents. 

12.8 Counterparts. This Agreement may be executed in any number of counterparts and by different parties on separate counterparts, each
of which, when executed and delivered, is an original, and all taken together, constitute one Agreement. 
 12.9 Survival. All
covenants, representations and warranties made in this Agreement continue in full force until this Agreement has terminated pursuant to its terms and all Obligations (other than inchoate indemnity obligations and any other obligations which, by
their terms, are to survive the termination of this Agreement) have been satisfied. The obligation of Borrower in Section 12.3 to indemnify Bank shall survive until the statute of limitations with respect to such claim or cause of action shall
have run. 
 12.10 Confidentiality. In handling any confidential information, Bank shall exercise the same degree of care that
it exercises for its own proprietary information, but disclosure of information may be made: (a) to Bank’s Subsidiaries or Affiliates (such Subsidiaries and Affiliates, together with Bank, collectively, “Bank Entities”);
(b) to prospective transferees or purchasers of any interest in the Credit Extensions (provided, however, Bank shall use its best efforts to obtain any prospective transferee’s or purchaser’s agreement to the terms of this provision
that any prospective transferee or purchaser shall have entered into an agreement containing provisions substantially the same as those in this Section]); (c) as required by law, regulation, subpoena, or other order; (d) to Bank’s
regulators or as otherwise required in connection with Bank’s examination or audit; (e) as Bank considers appropriate in exercising remedies under the Loan Documents; and (f) to third-party service providers of Bank so long as such
service providers have executed a confidentiality agreement with Bank with terms no less restrictive than those contained herein. Confidential information does not include information that is either: (i) in the public domain or in Bank’s
possession when disclosed to Bank, or becomes part of the public domain after disclosure to Bank through no fault of Bank; or (ii) disclosed to Bank by a third party if Bank does not know that the third party is prohibited from disclosing the
information. 
 Bank Entities may use the confidential information for reporting purposes and the development and distribution of
databases and market analyses so long as such confidential information is aggregated and anonymized prior to distribution unless otherwise expressly prohibited by Borrower. The provisions of the immediately preceding sentence shall survive the
termination of this Agreement. 

  
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 12.11 Attorneys’ Fees, Costs and Expenses. In any action or proceeding between
Borrower and Bank arising out of or relating to the Loan Documents, the prevailing party shall be entitled to recover its reasonable attorneys’ fees and other costs and expenses incurred, in addition to any other relief to which it may be
entitled. 
 12.12 Electronic Execution of Documents. The words “execution,” “signed,”
“signature” and words of like import in any Loan Document shall be deemed to include electronic signatures or the keeping of records in electronic form, each of which shall be of the same legal effect, validity and enforceability as a
manually executed signature or the use of a paper-based recordkeeping systems, as the case may be, to the extent and as provided for in any applicable law, including, without limitation, any state law based on the Uniform Electronic Transactions
Act. 
 12.13 Captions. The headings used in this Agreement are for convenience only and shall not affect the interpretation
of this Agreement. 
 12.14 Construction of Agreement. The parties mutually acknowledge that they and their attorneys have
participated in the preparation and negotiation of this Agreement. In cases of uncertainty this Agreement shall be construed without regard to which of the parties caused the uncertainty to exist. 

12.15 Relationship. The relationship of the parties to this Agreement is determined solely by the provisions of this Agreement. The
parties do not intend to create any agency, partnership, joint venture, trust, fiduciary or other relationship with duties or incidents different from those of parties to an arm’s-length contract. 

12.16 Third Parties. Nothing in this Agreement, whether express or implied, is intended to: (a) confer any benefits, rights or
remedies under or by reason of this Agreement on any persons other than the express parties to it and their respective permitted successors and assigns; (b) relieve or discharge the obligation or liability of any person not an express party to
this Agreement; or (c) give any person not an express party to this Agreement any right of subrogation or action against any party to this Agreement. 

13. DEFINITIONS 

13.1 Definitions. As used in the Loan Documents, the word “shall” is mandatory, the word “may” is permissive, the
word “or” is not exclusive, the words “includes” and “including” are not limiting, the singular includes the plural, and numbers denoting amounts that are set off in brackets are negative. As used in this Agreement, the
following capitalized terms have the following meanings: 
 “Account” is any “account” as defined in the
Code with such additions to such term as may hereafter be made, and includes, without limitation, all accounts receivable and other sums owing to Borrower. 

“Account Debtor” is any “account debtor” as defined in the Code with such additions to such term as may hereafter
be made. 
 “Advance” or “Advances” means (a) an advance (or advances) under the Revolving Line;
(b) an Equipment Advance or Equipment Advances; or (c) an Equipment C Advance or Equipment C Advances. 
 “Adjusted Quick
Ratio” is as determined as of the last day of each month, Borrower’s (i) unrestricted cash plus Accounts divided by (b) Current Liabilities plus to the extent not included in Current Liabilities, Advances
outstanding under the Revolving Line minus current portion of Deferred Revenue. 
 “Affiliate” is, with respect to
any Person, each other Person that owns or controls directly or indirectly the Person, any Person that controls or is controlled by or is under common control with the Person, and each of that Person’s senior executive officers, directors,
partners and, for any Person that is a limited liability company, that Person’s managers and members. 
 “Agreement”
is defined in the preamble hereof. 

  
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 “Availability Amount” is (a) the lesser of (i) the Revolving Line or
(ii) the amount available under the Borrowing Base minus (b) the Dollar Equivalent amount of all outstanding Letters of Credit (including drawn but unreimbursed Letters of Credit and any Letter of Credit Reserve), minus (c) the FX
Reduction Amount, minus (d) any amounts used for Cash Management Services, and minus (e) the outstanding principal balance of any Advances. 

“Bank” is defined in the preamble hereof. 

“Bank Expenses” are all audit fees and expenses, costs, and expenses (including reasonable attorneys’ fees and expenses)
for preparing, amending, negotiating, administering, defending and enforcing the Loan Documents (including, without limitation, those incurred in connection with appeals or Insolvency Proceedings) or otherwise incurred with respect to Borrower. 

“Borrower” is defined in the preamble hereof 

“Borrower’s Books” are all Borrower’s books and records including ledgers, federal and state tax returns, records
regarding Borrower’s assets or liabilities, the Collateral, business operations or financial condition, and all computer programs or storage or any equipment containing such information. 

“Borrowing Base” is (a) $2,000,000, plus (b) 80% of Eligible Accounts, as determined by Bank from Borrower’s
most recent Borrowing Base Certificate; provided, however, that Bank may, upon fifteen (15) days prior written notice, decrease the foregoing percentage in its good faith business judgment based on events, conditions, contingencies, or risks
which, as determined by Bank, may adversely affect Collateral. 
 “Borrowing Base Certificate” is that certain certificate
in the form attached hereto as Exhibit B. 
 “Borrowing Resolutions” those resolutions adopted by such Person’s Board
of Directors and delivered by such Person to Bank approving the Loan Documents to which such Person is a party and the transactions contemplated thereby, together with a certificate executed by its Secretary on behalf of such Person certifying that
(a) such Person has the authority to execute, deliver, and perform its obligations under each of the Loan Documents to which it is a party, (b) that attached as Exhibit A to such certificate is a true, correct, and complete copy of the
resolutions then in full force and effect authorizing and ratifying the execution, delivery, and performance by such Person of the Loan Documents to which it is a party, (c) the name(s) of the Person(s) authorized to execute the Loan Documents
on behalf of such Person, together with a sample of the true signature(s) of such Person(s), and (d) that Bank may conclusively rely on such certificate unless and until such Person shall have delivered to Bank a further certificate canceling
or amending such prior certificate. 
 “Business Day” is any day that is not a Saturday, Sunday or a day on which Bank is
closed. 
 “Cash Equivalents” means (a) marketable direct obligations issued or unconditionally guaranteed by the
United States or any agency or any State thereof having maturities of not more than one (1) year from the date of acquisition; (b) commercial paper maturing no more than one (1) year after its creation and having the highest rating
from either Standard & Poor’s Ratings Group or Moody’s Investors Service, Inc.; (c) Bank’s certificates of deposit issued maturing no more than one (1) year after issue; and (d) money market funds at least
ninety-five percent (95%) of the assets of which constitute Cash Equivalents of the kinds described in clauses (a) through (c) of this definition. 

“Cash Management Services” is defined in Section 2.1.4. 

“Code” is the Uniform Commercial Code, as the same may, from time to time, be enacted and in effect in the State of
California; provided, that, to the extent that the Code is used to define any term herein or in any Loan Document and such term is defined differently in different Articles or Divisions of the Code, the definition of such term contained in Article
or Division 9 shall govern; provided further, that in the event that, by reason of mandatory provisions of law, any or all of the attachment, perfection, or priority of, or remedies with respect to, Bank’s Lien on any Collateral is governed by
the Uniform Commercial Code in effect in a jurisdiction other than the State of California, the term “Code” shall mean the Uniform Commercial Code as enacted and in effect in such other jurisdiction solely for purposes of the
provisions thereof relating to such attachment, perfection, priority, or remedies and for purposes of definitions relating to such provisions. 

  
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 “Collateral” is any and all properties, rights and assets of Borrower described
on Exhibit A. 
 “Collateral Account” is any Deposit Account, Securities Account, or Commodity Account. 

“Commodity Account” is any “commodity account” as defined in the Code with such additions to such term as may
hereafter be made. 
 “Compliance Certificate” is that certain certificate in the form attached hereto as Exhibit C. 

“Contingent Obligation” is, for any Person, any direct or indirect liability, contingent or not, of that Person for
(a) any indebtedness, lease, dividend, letter of credit or other obligation of another Person such as an obligation, in each case, directly or indirectly guaranteed, endorsed, co-made, discounted or sold with recourse by that Person, or for
which that Person is directly or indirectly liable; (b) any obligations for undrawn letters of credit for the account of that Person; and (c) all obligations from any interest rate, currency or commodity swap agreement, interest rate cap
or collar agreement, or other agreement or arrangement designated to protect a Person against fluctuation in interest rates, currency exchange rates or commodity prices; but “Contingent Obligation” does not include endorsements in the
ordinary course of business. The amount of a Contingent Obligation is the stated or determined amount of the primary obligation for which the Contingent Obligation is made or, if not determinable, the maximum reasonably anticipated liability for it
determined by the Person in good faith; but the amount may not exceed the maximum of the obligations under any guarantee or other support arrangement. 

“Control Agreement” is any control agreement entered into among the depository institution at which Borrower maintains a
Deposit Account or the securities intermediary or commodity intermediary at which Borrower maintains a Securities Account or a Commodity Account, Borrower, and Bank pursuant to which Bank obtains control (within the meaning of the Code) over such
Deposit Account, Securities Account, or Commodity Account. 
 “Copyrights” are any and all copyright rights, copyright
applications, copyright registrations and like protections in each work or authorship and derivative work thereof, whether published or unpublished and whether or not the same also constitutes a trade secret. 

“Credit Extension” is any Advance, Letter of Credit, FX Forward Contract, amount utilized for Cash Management Services, or
any other extension of credit by Bank for Borrower’s benefit. 
 “Current Liabilities” are all obligations and
liabilities of Borrower to Bank, plus, without duplication, the aggregate amount of Borrower’s Total Liabilities that mature within one (1) year. 

“Customer Trust Account” is any Deposit Account established for the benefit of Borrower’s customers and into which
customer’s funds are deposited in connection with Borrower’s funds transfer services. 
 “Default Rate” is
defined in Section 2.3(b). 
 “Deferred Revenue” is all amounts received or invoiced in advance of performance under
contracts and not yet recognized as revenue. 
 “Deposit Account” is any “deposit account” as defined in the Code
with such additions to such term as may hereafter be made. 
 “Designated Deposit Account” is a deposit account of
Borrower, designated by and maintained with Bank. 

  
 -23- 

 “Dollars,” “dollars” or use of the sign “$” means
only lawful money of the United States and not any other currency, regardless of whether that currency uses the “$” sign to denote its currency or may be readily converted into lawful money of the United States. 

“Dollar Equivalent” is, at any time, (a) with respect to any amount denominated in Dollars, such amount, and
(b) with respect to any amount denominated in a Foreign Currency, the equivalent amount therefor in Dollars as determined by Bank at such time on the basis of the then-prevailing rate of exchange in San Francisco, California, for sales of the
Foreign Currency for transfer to the country issuing such Foreign Currency. 
 “EBITDA” shall mean (a) Net Income,
plus (b) Interest Expense, plus (c) to the extent deducted in the calculation of Net Income, depreciation expense and amortization expense, plus (d) income tax expense, plus (e) all non-cash expenses including, but not limited
to, any stock option expenses. 
 “Effective Date” is defined in the preamble hereof. 

“Eligible Accounts” means Accounts which arise in the ordinary course of Borrower’s business that meet all
Borrower’s representations and warranties in Section 5.3. Bank reserves the right, upon fifteen (15) days prior written notice, at any time after the Effective Date to adjust any of the criteria set forth below and to establish new
criteria in its good faith business judgment. Unless Bank otherwise agrees in writing, Eligible Accounts shall not include: 
 (a) Accounts
for which the Account Debtor is Borrower’s Affiliate, officer, employee, or agent; 
 (b) Accounts that the Account Debtor has not paid
within ninety (90) days of invoice date regardless of invoice payment period terms,; 
 (c) Accounts with credit balances over ninety
(90) days from invoice date; 
 (d) subject to paragraph (r) of this definition, Accounts owing from an Account Debtor, in which
fifty percent (50%) or more of the Accounts have not been paid within ninety (90) days of invoice date; 
 (e) Accounts owing from
an Account Debtor which does not have its principal place of business in the United States or Canada, unless such Accounts are otherwise Eligible Accounts and (i) covered in full by credit insurance satisfactory to Bank, less any deductible,
(ii) supported by letter(s) of credit acceptable to Bank, (iii) supported by a guaranty from the Export-Import Bank of the United States, (iv) are owing from Australian New Zealand Bank, Royal Bank of Canada, Noster Finance (dba
Unience), or (v) that Bank otherwise approves of in writing; 
 (f) Accounts billed and/or payable outside of the United States
(sometimes called foreign invoiced accounts); 
 (g) Accounts owing from an Account Debtor to the extent that Borrower is indebted or
obligated in any manner to the Account Debtor (as creditor, lessor, supplier or otherwise - sometimes called “contra” accounts, accounts payable, customer deposits or credit accounts); 

(h) Accounts owing from an Account Debtor, whose total obligations to Borrower exceed thirty-five percent (35%) of all Accounts, except
for Bank of America/Merrill Lynch, for which such percentage is sixty percent (60%), unless Bank approves in writing; 
 (i) Accounts owing
from an Account Debtor which is a United States government entity or any department, agency, or instrumentality thereof unless Borrower has assigned its payment rights to Bank and the assignment has been acknowledged under the Federal Assignment of
Claims Act of 1940, as amended; 

  
 -24- 

 (j) Accounts for demonstration or promotional equipment, or in which goods are consigned, or sold
on a “sale guaranteed”, “sale or return”, “sale on approval”, or other terms if Account Debtor’s payment may be conditional; 

(k) Accounts owing from an Account Debtor that has not been invoiced or where goods or services have not yet been rendered to the Account
Debtor (sometimes called memo billings or pre-billings); 
 (l) Accounts subject to contractual arrangements between Borrower and an Account
Debtor where payments shall be scheduled or due according to completion or fulfillment requirements where the Account Debtor has a right of offset for damages suffered as a result of Borrower’s failure to perform in accordance with the contract
(sometimes called contracts accounts receivable, progress billings, milestone billings, or fulfillment contracts); 
 (m) Accounts owing from
an Account Debtor the amount of which may be subject to withholding based on the Account Debtor’s satisfaction of Borrower’s complete performance (but only to the extent of the amount withheld; sometimes called retainage billings); 

(n) Accounts subject to trust provisions, subrogation rights of a bonding company, or a statutory trust; 

(o) Accounts owing from an Account Debtor that has been invoiced for goods that have not been shipped to the Account Debtor unless Bank,
Borrower, and the Account Debtor have entered into an agreement acceptable to Bank in its sole discretion wherein the Account Debtor acknowledges that (i) it has title to and has ownership of the goods wherever located, (ii) a bona fide
sale of the goods has occurred, and (iii) it owes payment for such goods in accordance with invoices from Borrower (sometimes called “bill and hold” accounts); 

(p) Accounts for which the Account Debtor has not been invoiced; 

(q) Accounts that represent non-trade receivables or that are derived by means other than in the ordinary course of Borrower’s business;

 (r) Accounts for which Borrower has permitted Account Debtor’s payment to extend beyond 90 days, except for Accounts owing from Bank
of America/Merrill Lynch, Citibank/Smith Barney, Bank of America, Citi UK and Citi Private Bank (for which Borrower has permitted payment to extend up to 120 days); 

(s) Accounts arising from chargebacks, debit memos or others payment deductions taken by an Account Debtor (but only to the extent the
chargeback is determined invalid and subsequently collected by Borrower); 
 (t) Accounts arising from product returns and/or exchanges
(sometimes called “warranty” or “RMA” accounts); 
 (u) Accounts in which the Account Debtor disputes liability or makes
any claim (but only up to the disputed or claimed amount), or if the Account Debtor is subject to an Insolvency Proceeding, or becomes insolvent, or goes out of business; and 

(v) Accounts for which Bank in its good faith business judgment determines collection to be doubtful, including, without limitation, accounts
represented by “refreshed” or “recycled” invoices. 
 “Eligible Equipment” is (a) general purpose
computer equipment, office equipment, test and laboratory equipment, furnishings, subject to the limitations set forth herein, and (b) Other Equipment that complies with all of Borrower’s representations and warranties to Bank and which is
acceptable to Bank in all respects and in which Bank has a first priority Lien. 
 “Equipment” is all “equipment”
as defined in the Code with such additions to such term as may hereafter be made, and includes without limitation all machinery, fixtures, goods, vehicles (including motor vehicles and trailers), and any interest in any of the foregoing. 

  
 -25- 

 “Equipment Line” is an Equipment Advance or Equipment Advances in an aggregate
amount of up to $3,000,000 outstanding at any time. 
 “Equipment C Line” is an Equipment C Advance or Equipment C Advances
in an aggregate amount of up to $3,000,000. 
 “Equipment Maturity Date” is, for each Equipment Advance and each Equipment
C Advance, a date 36 months after such Equipment Advance or Equipment C Advance, as the case may be. 
 “ERISA” is the
Employee Retirement Income Security Act of 1974, and its regulations. 
 “Event of Default” is defined in Section 8. 

“Exchange Act” is the Securities Exchange Act of 1934, as amended. 

“Fifth Amendment Effective Date” is December 26, 2007. 

“Final Payment” is a payment (in addition to and not a substitution for the regular monthly payments of principal plus
accrued interest) due on the earlier of (a) the Equipment Maturity Date for such Equipment Advance or (b) the acceleration of such Equipment Advance, equal to such Equipment Advance multiplied by two percent (2.0%). 

“Foreign Currency” means lawful money of a country other than the United States. 

“Funding Date” is any date on which a Credit Extension is made to or for the account of Borrower which shall be a Business
Day. 
 “FX Business Day” is any day when (a) Bank’s Foreign Exchange Department is conducting its normal
business and (b) the Foreign Currency being purchased or sold by Borrower is available to Bank from the entity from which Bank shall buy or sell such Foreign Currency. 

“FX Forward Contract” is defined in Section 2.1.3. 

“FX Reduction Amount” is defined in Section 2.1.3. 

“FX Reserve” is defined in Section 2.1.3. 

“GAAP” is generally accepted accounting principles set forth in the opinions and pronouncements of the Accounting Principles
Board of the American Institute of Certified Public Accountants and statements and pronouncements of the Financial Accounting Standards Board or in such other statements by such other Person as may be approved by a significant segment of the
accounting profession, which are applicable to the circumstances as of the date of determination. 
 “General Intangibles”
is all “general intangibles” as defined in the Code in effect on the date hereof with such additions to such term as may hereafter be made, and includes without limitation, all Intellectual Property, claims, income and other tax refunds,
security and other deposits, payment intangibles, contract rights, options to purchase or sell real or personal property, rights in all litigation presently or hereafter pending (whether in contract, tort or otherwise), insurance policies (including
without limitation key man, property damage, and business interruption insurance), payments of insurance and rights to payment of any kind. 

“Governmental Approval” is any consent, authorization, approval, order, license, franchise, permit, certificate,
accreditation, registration, filing or notice, of, issued by, from or to, or other act by or in respect of, any Governmental Authority. 

  
 -26- 

 “Governmental Authority” is any nation or government, any state or other
political subdivision thereof, any agency, authority, instrumentality, regulatory body, court, central bank or other entity exercising executive, legislative, judicial, taxing, regulatory or administrative functions of or pertaining to government,
any securities exchange and any self-regulatory organization. 
 “Indebtedness” is (a) indebtedness for borrowed money
or the deferred price of property or services, such as reimbursement and other obligations for surety bonds and letters of credit, (b) obligations evidenced by notes, bonds, debentures or similar instruments, (c) capital lease obligations,
and (d) Contingent Obligations. 
 “Indemnified Person” is defined in Section 12.3. 

“Insolvency Proceeding” is any proceeding by or against any Person under the United States Bankruptcy Code, or any other
bankruptcy or insolvency law, including assignments for the benefit of creditors, compositions, extensions generally with its creditors, or proceedings seeking reorganization, arrangement, or other relief. 

“Intellectual Property” means all of Borrower’s right, title, and interest in and to the following: 

(a) its Copyrights, Trademarks and Patents; 

(b) any and all trade secrets and trade secret rights, including, without limitation, any rights to unpatented inventions, know-how, operating
manuals; 
 (c) any and all source code; 

(d) any and all design rights which may be available to a Borrower; 

(e) any and all claims for damages by way of past, present and future infringement of any of the foregoing, with the right, but not the
obligation, to sue for and collect such damages for said use or infringement of the Intellectual Property rights identified above; and 
 (f)
all amendments, renewals and extensions of any of the Copyrights, Trademarks or Patents. 
 “Interest Expense” means for
any fiscal period, interest expense (whether cash or non-cash) determined in accordance with GAAP for the relevant period ending on such date, including, in any event, interest expense with respect to any Credit Extension and other Indebtedness of
Borrower and its Subsidiaries, including, without limitation or duplication, all commissions, discounts, or related amortization and other fees and charges with respect to letters of credit and bankers’ acceptance financing and the net costs
associated with interest rate swap, cap, and similar arrangements, and the interest portion of any deferred payment obligation (including leases of all types). 

“Inventory” is all “inventory” as defined in the Code in effect on the date hereof with such additions to such term
as may hereafter be made, and includes without limitation all merchandise, raw materials, parts, supplies, packing and shipping materials, work in process and finished products, including without limitation such inventory as is temporarily out of
Borrower’s custody or possession or in transit and including any returned goods and any documents of title representing any of the above. 

“Investment” is any beneficial ownership interest in any Person (including stock, partnership interest or other securities),
and any loan, advance or capital contribution to any Person. 
 “Letter of Credit” means a standby letter of credit issued
by Bank or another institution based upon an application, guarantee, indemnity or similar agreement on the part of Bank as set forth in Section 2.1.2. 

“Letter of Credit Application” is defined in Section 2.1.2(b). 

“Letter of Credit Reserve” has the meaning set forth in Section 2.1.2(e). 

  
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 “Lien” is a claim, mortgage, deed of trust, levy, charge, pledge, security
interest or other encumbrance of any kind, whether voluntarily incurred or arising by operation of law or otherwise against any property. 

“Loan Documents” are, collectively, this Agreement, the Perfection Certificate, any note, or notes or guaranties executed by
Borrower or any Guarantor, and any other present or future agreement between Borrower any Guarantor and/or for the benefit of Bank in connection with this Agreement, all as amended, restated, or otherwise modified. 

“Material Adverse Change” is means any of the following: (a) a material adverse change in the business, operations, or
financial or other condition of the Borrower, (b) a material impairment of the prospect of repayment of any portion of the Obligations, or (c) a material impairment of the value or priority of Bank’s security interests in the
Collateral. 
 “Monthly Financial Statements” is defined in Section 6.2(b). 

“Net Income” means, as calculated on a consolidated basis for Borrower and its Subsidiaries for any period as at any date of
determination, the net profit (or loss), after provision for taxes, of Borrower and its Subsidiaries for such period taken as a single accounting period. 

“Obligations” are Borrower’s obligations to pay when due any debts, principal, interest, Bank Expenses and other amounts
Borrower owes Bank now or later, whether under this Agreement, the Loan Documents or otherwise, including, without limitation, all obligations relating to letters of credit (including reimbursement obligations for drawn and undrawn letters of
credit), cash management services, and foreign exchange contracts, if any, and including interest accruing after Insolvency Proceedings begin and debts, liabilities, or obligations of Borrower assigned to Bank, and to perform Borrower’s duties
under the Loan Documents. 
 “Operating Documents” are, for any Person, such Person’s formation documents, as
certified with the Secretary of State of such Person’s state of formation on a date that is no earlier than 30 days prior to the Effective Date, and, (a) if such Person is a corporation, its bylaws in current form, (b) if such Person
is a limited liability company, its limited liability company agreement (or similar agreement), and (c) if such Person is a partnership, its partnership agreement (or similar agreement), each of the foregoing with all current amendments or
modifications thereto. 
 “Other Equipment” is leasehold improvements, intangible property such as computer software and
software licenses, equipment specifically designed or manufactured for Borrower, other intangible property, limited use property and other similar property and soft costs approved by Bank, including taxes, shipping, warranty charges, freight
discounts and installation expenses. 
 “Overadvance” is defined in Section 2.2. 

“Patents” means all patents, patent applications and like protections including without limitation improvements, divisions,
continuations, renewals, reissues, extensions and continuations-in-part of the same. 
 “Payment” means all checks, wire
transfers and other items of payment received by Bank (including proceeds of Accounts and payment of the Obligations in full) for credit to Borrower’s outstanding Credit Extensions or, if the balance of the Credit Extensions has been reduced to
zero, for credit to its deposit accounts. 
 “Perfection Certificate” is defined in Section 5.1. 

“Permitted Indebtedness” is: 

(a) Borrower’s Indebtedness to Bank under this Agreement or any other Loan Document; 

(b) any Indebtedness existing on the date of this Agreement and shown on the Perfection Certificate; 

  
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 (c) capitalized leases and purchase money Indebtedness secured by Permitted Liens not exceeding
$1,500,000 in the aggregate; 
 (d) refinanced Permitted Indebtedness, provided that the amount of such Indebtedness is not increased except
by an amount equal to a reasonable premium or other reasonable amount paid in connection with such refinancing and by an amount equal to any existing, but unutilized, commitment thereunder; 

(e) Indebtedness of (i) Borrower to any Subsidiary to the extent that it is Subordinated Debt; (ii) any Subsidiary to another
Subsidiary; and (iii) any Subsidiary to Borrower to the extent permitted under clause (g) of the definition of Permitted Investments; 

(f) Indebtedness under any performance, surety, statutory or appeal bonds or similar obligations incurred in the ordinary course of business;

 (g) Subordinated Debt; 
 (h)
Indebtedness to trade creditors incurred in the ordinary course of business; 
 (i) Indebtedness secured by Permitted Liens; 

(j) Indebtedness of Borrower to any Subsidiary and Contingent Obligations of any Subsidiary with respect to obligations of Borrower (provided
that the primary obligations are not prohibited hereby), and Indebtedness of any Subsidiary to any other Subsidiary and Contingent Obligations of any Subsidiary with respect to obligations of any other Subsidiary (provided that the primary
obligations are not prohibited hereby); 
 (k) Indebtedness of Borrower pursuant to that certain Loan and Security Agreement, dated as of
November 10, 2008, by and among, Borrower, Silicon Valley Bank and Gold Hill Venture Lending 03, LP; and 
 (1) Other Indebtedness (not
otherwise prohibited by Section 7.4) not exceeding Two Hundred Fifty Thousand Dollars ($250,000) in the aggregate outstanding at any time. 

“Permitted Investments” are: 

(a) Investments (including, without limitation, Subsidiaries) existing on the Effective Date and shown on the Perfection Certificate; 

(b) (i) Investments consisting of Cash Equivalents, and (ii) any Investments permitted by Borrower’s investment policy, as
amended from time to time, provided that such investment policy (and any such amendment thereto) has been approved in writing by Bank; 
 (c)
Investments consisting of deposit and investment accounts in the name of Borrower; 
 (d) Investments consisting of extensions of credit to
Borrower’s or its Subsidiaries’ customers in the nature of accounts receivable, prepaid royalties or notes receivable arising from the sale or lease of goods, provision of services or licensing activities of Borrower; 

(e) Investments received in satisfaction or partial satisfaction of obligations owed by financially troubled obligors; 

(f) Investments acquired in exchange for any other Investments in connection with or as a result of a bankruptcy, workout, reorganization or
recapitalization; 
 (g) Investments of (i) Subsidiaries in or to Borrower; and (ii) Subsidiaries in or to other Subsidiaries; 

(h) Investments received in a transaction permitted under Section 7.1; and 

  
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 (i) Joint ventures or strategic alliances in the ordinary course of Borrower’s business
consisting of the non-exclusive licensing of technology, the development of technology or the providing of technical support, provided that any cash investments by Borrower do not exceed $50,000 in the aggregate in any fiscal year. 

“Permitted Liens” are: 

(a) Liens existing on the Effective Date and shown on the Perfection Certificate or arising under this Agreement and the other Loan Documents;

 (b) Liens for taxes, fees, assessments or other government charges or levies, either (i) not due and payable or (ii) being
contested in good faith and for which Borrower maintains adequate reserves on its Books, provided that no notice of any such Lien has been filed or recorded under the Internal Revenue Code of 1986, as amended, and the Treasury Regulations
adopted thereunder; 
 (c) Liens (including with respect to capital leases) (i) on property (including accessions, additions, parts,
replacements, fixtures, improvements and attachments thereto, and the proceeds thereof) acquired or held by Borrower or its Subsidiaries incurred for financing such property (including accessions, additions, parts, replacements, fixtures,
improvements and attachments thereto, and the proceeds thereof), or (ii) existing on property (and accessions, additions, parts, replacements, fixtures, improvements and attachments thereto, and the proceeds thereof) when acquired, if the Lien
is confined to such property (including accessions, additions, parts, replacements, fixtures, improvements and attachments thereto, and the proceeds thereof) and the Indebtedness is Permitted Indebtedness; 

(d) Liens incurred in the extension, renewal or refinancing of the indebtedness secured by Liens described in (a) through (c), but any
extension, renewal or replacement Lien must be limited to the property encumbered by the existing Lien and the principal amount of the indebtedness it secures may not increase; 

(e) licenses or sublicenses granted in the ordinary course of Borrower’s business and any interest or title of a licensor or under any
license or sublicense, if the licenses and sublicenses permit granting Bank a security interest; 
 (f) leases or subleases granted in the
ordinary course of Borrower’s or any of its Subsidiaries’ business, including in connection with Borrower’s leased premises or leased property; 

(g) carriers’, warehousemen’s, mechanics’, materialmen’s, repairmen’s or other like Liens arising in the ordinary
course of business which are not overdue for a period of more than 30 days or which are being contested in good faith and by appropriate proceeding if adequate reserves with respect thereto are maintained on the books of the applicable Person; 

(h) pledges or deposits in the ordinary course of business in connection with workers’ compensation, unemployment insurance and other
social security legislation; 
 (i) deposits to secure the performance of bids, trade contracts (other than for borrowed money), contracts
for the purchase of property, leases, statutory obligations, surety and appeal bonds, performance bonds and other obligations of a like nature, in each case, incurred in the ordinary course of business and not representing an obligation for borrowed
money; 
 (j) easements, rights-of-way, restrictions and other similar encumbrances affecting real property which do not materially detract
from the value of the property subject thereto or materially interfere with the ordinary conduct of the business of the applicable Person; 

(k) statutory, common law or contractual Liens of depository institutions or institutions holding securities accounts (including rights of
set-off) provided in all cases other than the lien of Metabank (or any replacement thereof) associated with Borrower’s funds transfer service, they are subordinate to Bank’s Liens pursuant to the terms of a control agreement except; 

  
 -30- 

 (1) Liens in favor of customs or revenue authorities arising as a matter of law to secure payment
of customs duties in connection with the importation of goods; 
 (m) Liens on insurance proceeds in favor of insurance companies granted
solely to secure financed insurance premiums; 
 (n) Transfer Service Security Deposit; and 

(o) Liens in favor or other financial institutions arising in connection with Borrower’s deposit accounts held at such institutions that
are otherwise permitted hereunder, provided that, other than (i) the Transfer Service Security Deposit or (ii) any liens with respect to the Customer Trust Accounts, Bank has a perfected security interest in the amounts held in such
deposit accounts. 
 “Person” is any individual, sole proprietorship, partnership, limited liability company, joint
venture, company, trust, unincorporated organization, association, corporation, institution, public benefit corporation, firm, joint stock company, estate, entity or government agency. 

“Prime Rate” is Bank’s most recently announced “prime rate,” even if it is not Bank’s lowest
rate. 
 “Registered Organization” is any “registered organization” as defined in the Code with
such additions to such term as may hereafter be made 
 “Requirement of Law” is as to any Person, the
organizational or governing documents of such Person, and any law (statutory or common), treaty, rule or regulation or determination of an arbitrator or a court or other Governmental Authority, in each case applicable to or binding upon such Person
or any of its property or to which such Person or any of its property is subject. 
 “Reserves” means, as of
any date of determination upon 30 days prior written notice, such amounts as Bank may from time to time establish and revise in its good faith business judgment, reducing the amount of Advances and other financial accommodations which would
otherwise be available to Borrower (a) to reflect events, conditions, contingencies or risks which, as determined by Bank in its good faith business judgment, do or may adversely affect (i) the Collateral or any other property which is
security for the Obligations or its value (including without limitation any increase in delinquencies of Accounts), (ii) the assets, business or prospects of Borrower or any Guarantor, or (iii) the security interests and other rights of
Bank in the Collateral (including the enforceability, perfection and priority thereof); or (b) to reflect Bank’s good faith belief that any collateral report or financial information furnished by or on behalf of Borrower or any Guarantor
to Bank is or may have been incomplete, inaccurate or misleading in any material respect; or (c) in respect of any state of facts which Bank determines in good faith constitutes an Event of Default or may, with notice or passage of time or
both, constitute an Event of Default. 
 “Responsible Officer” is any of the Chief Executive Officer,
President, Chief Financial Officer and Controller of Borrower. 
 “Restricted License” is any material
license or other agreement with respect to which Borrower is the licensee for which a default under or termination of could reasonably be expected to have a Material Adverse Change. 

“Revolving Line” is an Advance or Advances in an amount equal to Ten Million Dollars ($10,000,000). 

“Revolving Line Maturity Date” is March 19, 2013. 

“SEC” shall mean the Securities and Exchange Commission, any successor thereto, and any analogous Governmental
Authority. 

  
 -31- 

 “Securities Account” is any “securities account” as defined in
the Code with such additions to such term as may hereafter be made. 
 “Settlement Date” is defined in
Section 2.1.3. 
 “Streamline Period” means any period during which no Revolving Loans are outstanding or
Borrower maintains an Adjusted Quick Ratio of at least 0.85:1.00. 
 “Subordinated Debt” is debt incurred by
Borrower subordinated to Borrower’s indebtedness owed to Bank and which is reflected in a written agreement in a manner and form acceptable to Bank and approved by Bank in writing. 

“Subsidiary” is, as to any Person, a corporation, partnership, limited liability company or other entity of which shares of
stock or other ownership interests having ordinary voting power (other than stock or such other ownership interests having such power only by reason of the happening of a contingency) to elect a majority of the board of directors or other managers
of such corporation, partnership or other entity are at the time owned, or the management of which is otherwise controlled, directly or indirectly through one or more intermediaries, or both, by such Person. Unless the context otherwise requires,
each reference to a Subsidiary herein shall be a reference to a Subsidiary of Borrower. 
 “Tangible Net Worth” is, on any
date, the consolidated total assets of Borrower and its Subsidiaries minus, (i) any amounts attributable to (a) goodwill, (b) intangible items such as unamortized debt discount and expense, patents, trade and service marks and names,
copyrights and research and development expenses except prepaid expenses, and (c) reserves not already deducted from assets, and (ii) Total Liabilities. 

“Total Liabilities” is on any day, obligations that should, under GAAP, be classified as liabilities on Borrower’s
consolidated balance sheet, including all Indebtedness and current portion of Subordinated Debt permitted by Bank to be paid by Borrower, but excluding all other Subordinated Debt. 

“Trademarks” means any trademark and servicemark rights, whether registered or not, applications to register and
registrations of the same and like protections, and the entire goodwill of the business of Borrower connected with and symbolized by such trademarks. 

“Transfer” is defined in Section 7.1. 

“Transfer Service Security Deposit” is defined in Section 7.2. 

“Twelfth Amendment Effective Date” is August 3, 2010. 

“Unused Revolving Line Facility Fee” is defined in Section 2.4(c). 

[Signature page follows.] 

  
 -32- 

 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the
Effective Date. 
  

			
	BORROWER:
	
	YODLEE, INC.
		
	By	 	 /s/ Jim Frankola

	Name:	 	Jim Frankola
	Title:	 	CFO
	
	BANK:
	
	SILICON VALLEY BANK
		
	By	 	 /s/ Jean Lee

	Name:	 	Jean Lee
	Title:	 	Deal Team Leader

 EXHIBIT A — COLLATERAL DESCRIPTION 

The Collateral consists of all of Borrower’s right, title and interest in and to the following personal property: 

All goods, Accounts (including health-care receivables), Equipment, Inventory, contract rights or rights to payment of money, leases, license
agreements, franchise agreements, General Intangibles (except as provided below), commercial tort claims, documents, instruments (including any promissory notes), chattel paper (whether tangible or electronic), cash, deposit accounts, fixtures,
letters of credit rights (whether or not the letter of credit is evidenced by a writing), securities, and all other investment property, supporting obligations, and financial assets, whether now owned or hereafter acquired, wherever located; and

 all Borrower’s Books relating to the foregoing, and any and all claims, rights and interests in any of the above and all
substitutions for, additions, attachments, accessories, accessions and improvements to and replacements, products, proceeds and insurance proceeds of any or all of the foregoing. 

Notwithstanding the foregoing, the Collateral does not include (i) any Intellectual Property; provided, however, the Collateral shall
include all Accounts and proceeds of Intellectual Property. If a judicial authority (including a U.S. Bankruptcy Court) would hold that a security interest in the underlying Intellectual Property is necessary to have a security interest in such
Accounts and such property that are proceeds of Intellectual Property, then the Collateral shall automatically, and effective as of the Effective Date, include the Intellectual Property to the extent necessary to permit perfection of Bank’s
security interest in such Accounts and such other property of Borrower that are proceeds of the Intellectual Property, (ii) more than 65% of the voting capital stock of any Subsidiary organized in a jurisdiction other than the United States or
any state thereof, (iii) the Transfer Service Security Deposit and (iii) the Customer Trust Accounts. Pursuant to the terms of a certain negative pledge arrangement with Bank, Borrower has agreed, subject to certain exceptions, not to
encumber any of its Intellectual Property without Bank’s prior written consent. 

 EXHIBIT B — BORROWING BASE CERTIFICATE 

 

			
	Borrower:	 	Yodlee, Inc.
	Lender:	 	Silicon Valley Bank
	Commitment Amount:	 	$10,000,000

  

					
	 ACCOUNTS RECEIVABLE
	  			
	 1. Accounts Receivable (invoiced) Book Value as of
                                
	  	$	            	  
	 2. Additions (please explain on reverse)
	  	$	            	  
	 3. TOTAL ACCOUNTS RECEIVABLE
	  	$	            	  
		
	 ACCOUNTS RECEIVABLE DEDUCTIONS (without duplication)
	  			
	 4. 90 Days Past Invoice Date
	  	$	            	  
	 5. Balance of 50% over 90 Day Accounts
	  	$	            	  
	 6. Foreign Account Debtor Accounts (Australian New Zealand Bank, Royal Bank of Canada or Noster Finance (dba Unience) are OK)
	  	$	            	  
	 7. Foreign Invoiced Accounts
	  	$	            	  
	 8. Contra/Customer Deposit Accounts
	  	$	            	  
	 9. Intercompany/Employee Accounts
	  	$	            	  
	 10. Credit Balances over 90 Days (Bank of America/Merrill Lynch, Citibank/Smith Barney, Bank of America, Citi UK and Citi Private Bank
- 120 dys)
	  	$	            	  
	 11. Concentration Limits
	  	$	            	  
	 12. U.S. Governmental Accounts
	  	$	            	  
	 13. Promotion or Demo Accounts; Guaranteed Sale or Consignment Sale Accounts
	  	$	            	  
	 14. Accounts with Progress/Milestone/Pre-billings; Contract Accounts
	  	$	            	  
	 15. Accounts for Retainage Billings
	  	$	            	  
	 16. Trust Accounts
	  	$	            	  
	 17. Bill and Hold Accounts
	  	$	            	  
	 18. Unbilled Accounts
	  	$	            	  
	 19. Non-Trade Accounts
	  	$	            	  
	 20. Accounts with Extended Term Invoices
	  	$	            	  
	 21. Accounts Subject to Chargebacks
	  	$	            	  
	 22. Disputed Accounts
	  	$	            	  
	 23. Other (please explain on reverse)
	  	$	            	  
	 24. TOTAL ACCOUNTS RECEIVABLE DEDUCTIONS
	  	$	            	  
	 25. Eligible Accounts (#3 minus #24)
	  	$	            	  
	 26. ELIGIBLE AMOUNT OF ACCOUNTS (80% of #25)
	  	$	            	  
		
	 BALANCES
	  			
	 27. Revolving Commitments
	  	$	            	  
	 28. Total Funds Available [Lesser of #27 or (#24 plus #26)]
	  	$	            	  
	 29. Present balance owing under Revolving Line
	  	$	            	  
	 30. Outstanding under Sublimits
	  	$	            	  
	 31. RESERVE POSITION (#28 minus #29 and #30)
	  	$	            	  

 [Continued on following page.] 

 The undersigned represents and warrants that this is true, complete and correct, and that the information in
this Borrowing Base Certificate complies with the representations and warranties in the Loan and Security Agreement between the undersigned and Silicon Valley Bank. 
  

									
		  		  		  	BANK USE ONLY
	COMMENTS:	  		  	Received by:
                                         
                    	  	 
		  		  		  	                                      
    AUTHORIZED SIGNER	  	 
	By:	  	  
	  		  	Date:
                                         
                                	  	 
		  	Authorized Signer    	  		  	Verified:
                                         
                          	  	 
		  		  		  	                                      
    AUTHORIZED SIGNER	  	 
	Date:	  	  
	  		  	Date:
                                         
                                	  	 
		  		  		  	 Compliance Status:
                    Yes             No

 
	  	 

  
 -2- 

 EXHIBIT C 

COMPLIANCE CERTIFICATE 
  

					
	TO:	 	SILICON VALLEY BANK	  	Date:
                                        

	FROM:	 	YODLEE, INC.	  	

 The undersigned Chief Financial Officer, Chief Executive Officer or Controller of Yodlee, Inc.
(“Borrower”) certifies that under the terms and conditions of the Loan and Security Agreement between Borrower and Bank (the “Agreement”). 

(1) Borrower is in complete compliance for the period ending
                    with all required covenants except as noted below; (2) there are no Events of Default; (3) all representations and
warranties in the Agreement are true and correct in all material respects on this date except as noted below; provided, however, that such materiality qualifier shall not be applicable to any representations and warranties that already are qualified
or modified by materiality in the text thereof; and provided, further that those representations and warranties expressly referring to a specific date shall be true, accurate and complete in all material respects as of such date; (4) Borrower,
and each of its Subsidiaries, has timely filed all required tax returns and reports, and Borrower has timely paid all foreign, federal, state and local taxes, assessments, deposits and contributions owed by Borrower except as otherwise permitted
pursuant to the terms of Section 5.9 of the Agreement; and (5) no Liens have been levied or claims made against Borrower or any of its Subsidiaries relating to unpaid employee payroll or benefits of which Borrower has not previously
provided written notification to Bank. 
 Attached are the required documents supporting the certification. The undersigned certifies that
these are prepared in accordance with GAAP consistently applied from one period to the next except as explained in an accompanying letter or footnotes. The undersigned acknowledges that no borrowings may be requested at any time or date of
determination that Borrower is not in compliance with any of the terms of the Agreement, and that compliance is determined not just at the date this certificate is delivered. Capitalized terms used but not otherwise defined herein shall have the
meanings given them in the Agreement. 
 Please indicate compliance status by circling Yes/No under “Complies” column. 

 

					
	 Reporting Covenant
	  	 Required
	  	 Complies

	Accounts receivable agings and reconciliations, aged by invoice date, accounts payable agings and transaction report + BB	  	Weekly and each time an Advance is made; unless during a Streamline Period then monthly	  	Yes    No
			
	Monthly company prepared financial statements in accordance with GAAP + CC + waterfall analysis	  	Monthly within 30 days of month end	  	Yes    No
			
	Annual Plan (including income statements, balance sheets, and cash flow statements, each of the foregoing, by month) for the upcoming fiscal year	  	As updated, but no later than 31 days after FYE.	  	Yes    No
			
	Annual financial statements certified by, and with an unqualified opinion of, independent CPA	  	Annually, within 180 days after FYE	  	Yes    No
			
	Bookings report	  	Quarterly within 30 days of month end.	  	Yes    No

  

							
	 Financial Covenant
	  	 Required
	  	 Actual
	  	 Complies

	Maintain on a Quarterly Basis:	  		  		  	
				
	Minimum Trailing Six Month EBITDA	  	(See Schedule 1)	  	_____:1.0	  	Yes    No

					
	 Streamline Period
	  	 Applies

	Monthly Adjusted Quick Ratio	  	Not less than 0.85:1.00	  	Yes    No

 The following financial covenant analyses and information set forth in Schedule 1 attached hereto are true and
accurate as of the date of this Certificate. 
 The following are the exceptions with respect to the certification above: (If no exceptions
exist, state “No exceptions to note.”) 
  
  

 
  
  

 
  

									
	YODLEE, INC.	 		 	BANK USE ONLY
					
		 		 		 	Received by:	  	 
		 		 		 		  	AUTHORIZED SIGNER
	By:	 	 	 		 	Date:	  	 
	Name:	 	 	 		 		  	
	Title:	 	 	 		 	Verified:	  	 
		 		 		 		  	AUTHORIZED SIGNER
		 		 		 	Date:	  	 
				
		 		 		 	Compliance Status:                 Yes         No

  
 -2- 

 Schedule 1 to Compliance Certificate 

Financial Covenants of Borrower 

In the event of a conflict between this Schedule and the Loan Agreement, the terms of the Loan Agreement shall govern. 

 

			
	Dated:	 	 

 I. EBITDA (Section 6.9(a)) 

Required:     See chart below 
  

			
	Period	  	EBITDA
	June 30, 2011	  	($2,700,000)
	September 30, 2011	  	($500,000)
	December 31, 2011	  	$2,700,000
	Thereafter	  	 To be mutually determined

between Borrower and Bank

based upon Borrower’s board

approved 2012 financial plan

  

									
	 Actual:
	  	
				
	 A.
	 	Net Income	  	$	  	 
				
	 B.
	 	To the extent included in the determination of Net Income	  	$	  	 
					
		 	 1.
	  	The provision for income taxes	  	$	  	 
					
		 	 2.
	  	Depreciation expense	  	$	  	 
					
		 	 3.
	  	Amortization expense	  	$	  	 
					
		 	 4.
	  	Net Interest Expense	  	$	  	 
					
		 	 5.
	  	All other charges which are both non-cash and non-recurring, including stock option expenses	  	$	  	 
					
		 	 6.
	  	The sum of lines 1 through 6	  	$	  	 
				
	 C.
	 	EBITDA (line A plus line B.6)	  	$	  	 
			
	Is line C equal to or greater than             1:00?	  		  	
				
		 	                 No, not in compliance
                                         
                                Yes, in compliance	  		  	
				
	 II.
	 	Adjusted Quick Ratio (For purposes of the Streamline Period)	  		  	
			
	 Required:    Not less than 0.85:1.00
	  		  	
					
		 		  		  		  	

  
 -3- 

							
	Actual:	  		 	
				
	A.	  	Aggregate value of the unrestricted cash and cash equivalents of Borrower	  	$	 	 
				
	B.	  	Aggregate value of the net billed accounts receivable of Borrower and its Subsidiaries	  	$	 	 
				
	C.	  	Quick Assets (the sum of Line A plus Line B)	  	$	 	 
				
	D.	  	Aggregate value of Obligations to Bank	  	$	 	 
				
	E.	  	Aggregate value of liabilities that should, under GAAP, be classified as liabilities on Borrower’s consolidated balance sheet, including all Indebtedness, and not otherwise reflected in line E above that matures within one
(1) year	  	$	 	 
				
	F.	  	Current Liabilities (the sum of lines D and E)	  	$	 	 
				
	G.	  	Advances outstanding under the Revolving Line (to the extent not already included in Current Liabilities)	  	$	 	 
				
	H.	  	Aggregate value of all amounts received or invoiced by Borrower in advance of performance under contracts and not yet recognized as revenue	  	$	 	 
				
	I.	  	Line F plus Line G minus Line H	  	$	 	 
				
	J.	  	Adjusted Quick Ratio (line C divided by line I)	  	$	 	 

 Is line I equal to or greater than 0.85:1:00? 

                          
 No, not in
compliance                                        
                                     Yes, in compliance 

  
 -4- 

 AMENDMENT NO. 1 

TO 
 AMENDED AND RESTATED
LOAN AND SECURITY AGREEMENT 
 This AMENDMENT NO. 1 to AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this
“Amendment”) is entered into this 2nd day of March, 2012, by and between YODLEE, INC., a Delaware corporation (“Borrower”), and SILICON
VALLEY BANK (“Bank”). Capitalized terms used herein without definition shall have the same meanings given in the Loan Agreement (as defined below). 

RECITALS 

A. Borrower and Bank have entered into that certain Amended and Restated Loan and Security Agreement dated as of July 11, 2011 (as
amended, restated, supplemented or otherwise modified from time to time, the “Loan Agreement”). 
 B. Bank has
extended credit to Borrower for the purposes permitted in the Loan Agreement. 
 C. Borrower desires that Bank amend the Loan
Agreement upon the terms and conditions more fully set forth herein. Subject to the representations, warranties and covenants of Borrower herein and upon the terms and conditions set forth in this Amendment, Bank is willing to so amend the Loan
Agreement. 
 AGREEMENT 

NOW, THEREFORE, in consideration of the foregoing recitals and other good and valuable
consideration, the receipt and adequacy of which is hereby acknowledged, and intending to be legally bound, the parties hereto agree as follows: 

1. Amendments to Loan Agreement. 

1.1. Section 2.1.2 (Letters of Credit Sublimit). Section 2.1.2 of the Loan Agreement is hereby amended and restated in
its entirety as follows: 
 “2.12 [Reserved.]” 

1.2. Section 2.1.3 (Foreign Exchange Sublimit). Section 2.1.3 of the Loan Agreement is hereby amended and
restated in its entirety as follows: 
 “2.1.3 [Reserved.]” 

1.3. Section 2.1.4 (Cash Management Services Sublimit). Section 2.1.4 of the Loan Agreement is hereby amended and
restated in its entirety as follows: 
 “2.1.4 [Reserved.]” 

 1.4. Section 2.2 (Overadvances). Section 2.2 of the Loan Agreement is
hereby amended and restated in its entirety as follows 
 “2.2 Overadvances. If, at any time, the outstanding principal
amount of any Advances (such amount being an “Overadvance”) exceeds the lesser of either the Revolving Line or the Borrowing Base, Borrower shall immediately pay to Bank in cash such Overadvance. Without limiting Borrower’s
obligation to repay Bank any amount of the Overadvance, Borrower agrees to pay Bank interest on the outstanding amount of any Overadvance, on demand, at the Default Rate.” 

1.5. Section 2.4 (Fees). Subsections (a) and (c) of Section 2.4 of the Loan Agreement are hereby amended and
restated in their entirety as follows: 
 “(a) Commitment Fee. A fully earned, non-refundable commitment fee of $75,000,
on the Effective Date and the first anniversary of the Effective Date; and” 
 “(c) Unused Revolving Line Facility Fee. A
fee (the “Unused Revolving Line Facility Fee”), payable monthly, in arrears, on a calendar year basis, in an amount equal to 0.20% per annum of the average unused portion of the Revolving Line, as determined by Bank. Borrower
shall not be entitled to any credit, rebate or repayment of any Unused Revolving Line Facility Fee previously earned by Bank pursuant to this Section notwithstanding any termination of the Agreement or the suspension or termination of Bank’s
obligation to make loans and advances hereunder, including during any Streamline Period; and” 
 1.6. Section 4.1 (Grant of
Security Interest). The following paragraphs are added after the current provisions in Section 4.1 as follows: 

“Borrower acknowledges that it previously has entered, and/or may in the future enter, into Bank Services Agreements with Bank. Regardless
of the terms of any Bank Services Agreement, Borrower agrees that any amounts Borrower owes Bank thereunder shall be deemed to be Obligations hereunder and that it is the intent of Borrower and Bank to have all such Obligations secured by the first
priority perfected security interest in the Collateral granted herein (subject only to Permitted Liens that may have superior priority to Bank’s Lien in this Agreement). 

If this Agreement is terminated, Bank’s Lien in the Collateral shall continue until the Obligations (other than inchoate indemnity
obligations) are satisfied in full, and at such time, Bank shall, at Borrower’s sole cost and expense, terminate its security interest in the Collateral and all rights therein shall revert to Borrower. In the event (x) all Obligations
(other than inchoate indemnity obligations), except for Bank Services, are satisfied in full, and (y) this Agreement is terminated, Bank shall terminate the security interest granted herein upon Borrower providing cash collateral acceptable to
Bank in its good faith business judgment for Bank Services, if any. In the event such Bank Services consist of outstanding Letters of Credit, Borrower shall provide to Bank cash collateral in an amount equal to 105% of the Dollar Equivalent of the
face amount of all such Letters of Credit plus all interest, fees, and costs due or to become due in connection therewith (as estimated by Bank in its good faith business judgment), to secure all of the Obligations relating to such Letters of
Credit.” 

  
 2 

 1.7. Section 4.2 (Priority of Security Interest). Section 4.2 of the Loan
Agreement is hereby amended and restated in its entirety as follows: 
 “4.2 Priority of Security Interest. Borrower
represents, warrants, and covenants that the security interest granted herein is and shall at all times continue to be a first priority perfected security interest in the Collateral (subject only to Permitted Liens that may have superior priority to
Bank’s Lien under this Agreement). If Borrower shall acquire a commercial tort claim, Borrower shall promptly notify Bank in a writing signed by Borrower of the general details thereof and grant to Bank in such writing a security interest
therein and in the proceeds thereof, all upon the terms of this Agreement, with such writing to be in form and substance reasonably satisfactory to Bank.” 

1.8. Section 5.3 (Accounts Receivable; Inventory). Section 5.3 of the Loan Agreement is hereby amended and restated in
its entirety as follows: 
 “5.3 [Reserved.]” 

1.9. Section 6.2 (Financial Statements, Reports, Certificates). Section 6.2(a) of the Loan Agreement is amended and restated
in its entirety as follows: 
 “(a) (i) Weekly accounts receivable agings and reconciliations, aged by invoice date, and accounts
payable agings, and transaction reports, together with a Borrowing Base Certificate in the form of Exhibit B attached hereto, delivered to Bank on the last day of each week, so long as Revolving Loans are outstanding and each time an Advance is
made, or if in a Streamline Period, then no later than thirty (30) days after the last day of each month, provided that Borrower gives Bank thirty (30) days’ notice to request an Advance; and (ii) a monthly waterfall analysis
(showing initiatives, renewals, signed and deployed, signed not deployed, new bookings, and variables from renewals and signed contracts) so long as Revolving Loans are outstanding;” 

1.10. Section 6.3(c) (Collection of Accounts). Section 6.3(c) of the Loan Agreement is amended and restated in its
entirety as follows: 
 “(c) Collection of Accounts. Borrower shall have the right to collect all Accounts, unless and
until an Event of Default has occurred and is continuing. Bank shall require that all proceeds of Accounts be deposited by Borrower into a lockbox account, or such other “blocked account” as specified by Bank, pursuant to a blocked account
agreement in such form as Bank may specify in its good faith business judgment. Whether or not an Event of Default has occurred and is continuing, Borrower shall immediately deliver all payments on and proceeds of Accounts to an account maintained
with Bank to be applied (i) prior to an Event of Default, pursuant to the terms of Section 2.5(b) hereof, and (ii) after the occurrence and during the continuance of an Event of Default, pursuant to the terms of Section 9.4
hereof. Notwithstanding anything to the contrary in this Agreement, Bank shall transfer such cash deposits in the lockbox into Borrower’s operating account held with Bank.” 

1.11. Section 6.8 (Operating Accounts). Section 6.8(a) of the Loan Agreement is amended and restated in its entirety as
follows: 

  
 3 

 “(a) Maintain its primary operating and other deposit accounts and securities accounts with
Bank and Bank’s Affiliates.” 
 1.12. Section 6.9 (Financial Covenant). Section 6.9 of the Loan Agreement
is amended and restated in its entirety as follows: 
 “6.9 Financial Covenants. 

(a) EBITDA. Maintain on a trailing six months basis, measured as of the last day of each fiscal quarter specified below, EBITDA
of at least the amount set forth below opposite the period then ended: 
  

			
	 Fiscal Quarter Ending
	  	 Minimum EBITDA

	March 31, 2012	  	$1,000,000
	June 30, 2012	  	($7,800,000)
	September 30, 2012	  	($5,700,000)
	December 31, 2012	  	($100,000)
	Thereafter	  	 To be mutually determined

between Borrower and Bank
 based
upon Borrower’s board
 approved 2013 financial plan

 (b) Subscription and Support Revenue. Maintain, measured as of the last day of each fiscal
quarter specified below, Subscription and Support Revenue of at least the amount set forth below opposite the period then ended: 
  

			
	 Fiscal Quarter Ending
	  	 Subscription and

Support Revenue

	March 31, 2012	  	$8,100,000
	June 30, 2012	  	$8,100,000
	September 30, 2012	  	$8,500,000
	December 31, 2012	  	$8,500,000
	Thereafter	  	 To be mutually determined

between Borrower and Bank
 based
upon Borrower’s board
 approved 2013 financial plan

  
 4 

 1.13. Section 9.1 (Rights and Remedies). Section 9.1(c) is amended and
restated in its entirety as follows: 
 “(c) for any Letters of Credit, demand that Borrower (i) deposit cash with Bank in
an amount equal to 105% of the Dollar Equivalent of the aggregate face amount of all. Letters of Credit remaining undrawn (plus all interest, fees, and costs due or to become due in connection therewith (as estimated by Bank in its good faith
business judgment)), to secure all of the Obligations relating to such Letters of Credit, as collateral security for the repayment of any future drawings under such Letters of Credit, and Borrower shall forthwith deposit and pay such amounts, and
(ii) pay in advance all letter of credit fees scheduled to be paid or payable over the remaining term of any Letters of Credit;” 

1.14. Section 12.9 (Survival). Section 12.9 of the Loan Agreement is hereby amended and restated in its entirety as
follows: 
 “12.9 Survival. All covenants, representations and warranties made in this Agreement continue in full force
until this Agreement has terminated pursuant to its terms and all Obligations (other than inchoate indemnity obligations and any other obligations which, by their terms, are to survive the termination of this Agreement) have been paid in full and
satisfied. The grant of security interest by Borrower in Section 4.1 shall survive until the termination of all Bank Services Agreements or until released in accordance with Section 4.1, and the obligation of Borrower in Section 12.3
to indemnify Bank shall survive until the statute of limitations with respect to such claim or cause of action shall have run.” 

1.15. Section 13.1 (Definitions). The following definitions are hereby: (a) to the extent already defined in
Section 13.1 of the Loan Agreement, amended in their entirety to read as follows, and (b) to the extent not already defined in that Section, added to Section 13.1 of the Loan Agreement in alphabetical order as follows: 

“Availability Amount” is (a) the lesser of (i) the Revolving Line or (ii) the amount available under the
Borrowing Base minus (b) the outstanding principal balance of any Advances.” 
 “Bank Services” are
any products, credit services, and/or financial accommodations previously, now, or hereafter provided to Borrower or any of its Subsidiaries by Bank or any Bank Affiliate, including, without limitation, any letters of credit, cash management
services (including, without limitation, merchant services, direct deposit of payroll, business credit cards, and check cashing services), interest rate swap arrangements, and foreign exchange services as any such products or services may be
identified in Bank’s various agreements related thereto (each, a “Bank Services Agreement”).” 

“Borrowing Base” is (a) $3,000,000 during a Streamline Period, plus (b) trailing
three-month Subscription Revenue, plus (c) trailing three-month Support Revenue; provided, however, that Bank may, upon fifteen (15) days prior written notice, decrease the foregoing in its good faith business judgment
based on events, conditions, contingencies, or risks which, as determined by Bank, may adversely affect Collateral.” 

  
 5 

 “Credit Extension” is any Advance or any other extension of credit by
Bank for Borrower’s benefit.” 
 “EBITDA” shall mean (a) Net Income, plus (b) Interest
Expense, plus (c) to the extent deducted in the calculation of Net Income, depreciation expense and amortization expense, plus (d) income tax expense, plus (e) all non-cash expenses including, but not limited to, any stock option
expenses and unrealized foreign exchange gains and losses.” 
 “FX Forward Contract” is any foreign
exchange contract by and between Borrower and Bank under which Borrower commits to purchase from or sell to Bank a specific amount of Foreign Currency on a specified date.” 

“Loan Documents” are, collectively, this Agreement, the Perfection Certificate, any Bank Services Agreement, any note,
or notes or guaranties executed by Borrower or any Guarantor, and any other present or future agreement between Borrower any Guarantor and/or for the benefit of Bank in connection with this Agreement, all as amended, restated, or otherwise
modified.” 
 “Obligations” are Borrower’s obligations to pay when due any debts, principal,
interest, Bank Expenses and other amounts Borrower owes Bank now or later, whether under this Agreement, the Loan Documents, or otherwise, including, without limitation, interest accruing after Insolvency Proceedings begin and debts, liabilities, or
obligations of Borrower assigned to Bank, and to perform Borrower’s duties under the Loan Documents.” 

“Prime Rate” is the rate most recently announced as the “prime rate” in the Money Rates section of The Wall
Street Journal, or if such rate is not published, as determined by Bank.” 
 “Revolving Line” is an
Advance or Advances in an amount equal to Fifteen Million Dollars ($15,000,000).” 
 “Revolving Line Maturity
Date” is March 17, 2014.” 
 “Streamline Period” means any period during which no Revolving
Loans are outstanding or Borrower maintains an Adjusted Quick Ratio of at least 0.75:1.00.” 
 “Subscription and
Support Revenue” means revenue included under the caption “Subscription and support revenue” in the Company’s statement of operations, which includes usage, subscription, recurring license, financial application (fin app),
support, maintenance and transaction revenues.” 
 1.16. Section 13.1 (Definitions). The following definitions
in Section 13.1 of the Loan Agreement are deleted in their entirety: 
 “Cash Management Services” 

 “Eligible Accounts” 

  
 6 

 “FX Business Day” 

“FX Reduction Amount” 

“FX Reserve” 

“LC Application” 

“LC Reserve” 

“Settlement Date” 

2. Limitation. The amendments set forth in this Amendment shall be limited precisely as written and shall not be deemed (a) to be
a forbearance, waiver or modification of any other term or condition of the Loan Agreement or of any other instrument or agreement referred to therein or to prejudice any right or remedy which Bank may now have or may have in the future under or in
connection with the Loan Agreement or any instrument or agreement referred to therein; (b) to be a consent to any future amendment or modification, forbearance or waiver to any instrument or agreement the execution and delivery of which is
consented to hereby, or to any waiver of any of the provisions thereof; or (c) to limit or impair Bank’s right to demand strict performance of all terms and covenants as of any date. Except as expressly amended hereby, the Loan Agreement
shall continue in full force and effect. 
 3. Representations and Warranties. To induce Bank to enter into this Amendment,
Borrower hereby represents and warrants to Bank as follows: 
 3.1. Immediately after giving effect to this Amendment
(a) the representations and warranties contained in the Loan. Documents are true, accurate and complete in all material respects as of the date hereof (except to the extent such representations and warranties relate to an earlier date, in which
case they are true and correct as of such date), and (b) no Event of Default (which has not been waived) has occurred and is continuing; 

3.2. Borrower has the power and authority to execute and deliver this Amendment and to perform its obligations under the Loan Agreement;

 3.3. The organizational documents of Borrower remain true, accurate and complete and have not been amended, supplemented or
restated and are and continue to be in full force and effect; 
 3.4. The execution and delivery by Borrower of this Amendment and the
performance by Borrower of the obligations under the Loan Agreement have been duly authorized; 
 3.5. The execution and delivery by
Borrower of this Amendment and the performance by Borrower of the obligations under the Loan Agreement do not and will not contravene (a) any law or regulation binding on or affecting Borrower, (b) any contractual restriction with a Person
binding on Borrower, (c) any order, judgment or decree of any court or other governmental or public body or authority, or subdivision thereof, binding on Borrower, or (d) the organizational documents of Borrower; 

  
 7 

 3.6. The execution and delivery by Borrower of this Amendment and the performance by
Borrower of the obligations under the Loan Agreement do not require any order, consent, approval, license, authorization or validation of, or filing, recording or registration with, or exemption by any governmental or public body or authority, or
subdivision thereof, binding on Borrower, except as already has been obtained or made; and 
 3.7. This Amendment has been duly
executed and delivered by Borrower and is the binding obligation of Borrower, enforceable against Borrower in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization, liquidation, moratorium
or other similar laws of general application and equitable principles relating to or affecting creditors’ rights. 
 4.
Counterparts. This Amendment may be executed in any number of counterparts and all of such counterparts taken together shall be deemed to constitute one and the same instrument. 

5. Effectiveness. This Amendment shall be deemed effective upon (a) the due execution and delivery of this Amendment by each party
hereto and delivery of same to Bank, (b) payment by Borrower of all Bank Expenses (including all reasonable attorneys’ fees and reasonable expenses) incurred through the date of this Amendment and (c) payment by Borrower of the
prorated Commitment Fee in the amount of $14,336. 

  
 8 

 IN WITNESS WHEREOF, the parties hereto have caused
this Amendment to be duly executed and delivered as of the date first written above. 
  

			
	 YODLEE, INC.,
 a Delaware
corporation

		
	By:	 	/s/ Marc Blouin
		 	Name: Marc Blouin
		 	Title: Vice President
	
	 SILICON VALLEY BANK,
 A
California banking corporation

		
	By:	 	/s/ Jean Lee
		 	Name: Jean Lee
		 	Title: Deal Team Leader

 EXHIBIT B—BORROWING BASE CERTIFICATE 

 

			
	Borrower:	  	Yodlee, Inc.
	Lender:	  	Silicon Valley Bank
	Commitment Amount:	  	$15,000,000

 REVENUE 

							
			
	 1.
	  	Trailing Three-Month Subscription and Support Revenue	  	 	$                	  
			
	 2.
	  	ELIGIBLE REVENUE (#1)	  	 	$                                  
  	  
		
	 BALANCES
	  			
			
	 3.
	  	Non-Formula Amount	  	 	$                	  
			
	 4.
	  	Revolving Commitments	  	 	$                	  
			
	 5.
	  	Borrowing Base ((Lesser of (#2 plus #3) and #4)	  	 	$                	  
			
	 6.
	  	Present Balance owing under Revolving Line	  	 	$                	  
			
	 7.
	  	RESERVE POSITION (#5 minus #6)	  	 	$                	  

 The undersigned represents and warrants that this is true, complete and correct, and that the information in this Borrowing
Base Certificate complies with the representations and warranties in the Loan and Security Agreement between the undersigned and Silicon Valley Bank. 

 

			
	COMMENTS:
		
	By:	 	 
		 	Authorized Signer
		
	Date:	 	 

 

			
	BANK USE ONLY
	Received by:               
                                         
                 
	AUTHORIZED SIGNER
	
Date:                        
                                         
                     

	
Verified:                       
                                         
                

	AUTHORIZED SIGNER
	
Date:                        
                                         
                     

	 Compliance Status:

 
	  	
Yes        No    

 

 
 

 EXHIBIT C 

COMPLIANCE CERTIFICATE 
  

	 TO: SILICON VALLEY BANK 
	
Date:                     
                             

FROM: YODLEE, INC. 
 The undersigned Chief Financial Officer,
Chief Executive Officer or Controller of Yodlee, Inc. (“Borrower”) certifies that under the terms and conditions of the Loan and Security Agreement between Borrower and Bank (the “Agreement”). 

(1) Borrower is in complete compliance for the period ending             with all required
covenants except as noted below; (2) there are no Events of Default; (3) all representations and warranties in the Agreement are true and correct in all material respects on this date except as noted below; provided, however, that such
materiality qualifier shall not be applicable to any representations and warranties that already are qualified or modified by materiality in the text thereof; and provided, further that those representations and warranties expressly referring to a
specific date shall be true, accurate and complete in all material respects as of such date; (4) Borrower, and each of its Subsidiaries, has timely filed all required tax returns and reports, and Borrower has timely paid all foreign, federal,
state and local taxes, assessments, deposits and contributions owed by Borrower except as otherwise permitted pursuant to the terms of Section 5.9 of the Agreement; and (5) no Liens have been levied or claims made against Borrower or any
of its Subsidiaries relating to unpaid employee payroll or benefits of which Borrower has not previously provided written notification to Bank. 
 Attached
are the required documents supporting the certification. The undersigned certifies that these are prepared in accordance with GAAP consistently applied from one period to the next except as explained in an accompanying letter or footnotes. The
undersigned acknowledges that no borrowings may be requested at any time or date of determination that Borrower is not in compliance with any of the terms of the Agreement, and that compliance is determined not just at the date this certificate is
delivered. Capitalized terms used but not otherwise defined herein shall have the meanings given them in the Agreement. 
 Please indicate compliance
status by circling Yes/No under “Complies” column. 
  

					
	 Reporting Covenant
	  	 Required
	  	 Complies

			
	Accounts receivable agings and reconciliations, aged by invoice date, accounts payable agings and transaction report + BB	  	Weekly and each time an Advance is made; unless during a Streamline Period then monthly	  	Yes     No    
			
	Monthly company prepared financial statements in accordance with GAAP + CC + waterfall analysis	  	Monthly within 30 days of month end	  	Yes     No    
			
	Annual Plan (including income statements, balance sheets, and cash flow statements, each of the foregoing, by month) for the upcoming fiscal year	  	As updated, but no later than 31 days after FYE.	  	Yes     No    
			
	Annual financial statements certified by, and with an unqualified opinion of, independent CPA	  	Annually, within 180 days after FYE	  	Yes     No    
			
	Bookings report	  	Quarterly within 30 days of month end.	  	Yes     No    

  
 2 

							
	 Financial Covenant
	  	 Required
	  	 Actual
	  	 Complies

	 Maintain on a Quarterly Basis:
	  		  		  	
	 Minimum Trailing Six Month EBITDA
	  	(See Schedule 1)	  	              :1.0	  	Yes    No    
	 Minimum Subscription and Support Revenue
	  	(See Schedule 1)	  	$              	  	Yes    No    

  

							
	 Streamline Period
	  	Applies	 
	 Monthly Adjusted Quick Ratio
	  	Not less than 0.75:1.00	  	 	Yes     No    	  

 The following financial covenant analyses and information set forth in Schedule 1 attached hereto are true and
accurate as of the date of this Certificate. 
 The following are the exceptions with respect to the certification above: (If no exceptions
exist, state “No exceptions to note.”) 
  
  

 
  
  

 

 

			
	YODLEE, INC.
		
	By:	 	 
	Name:	 	 
	Title:	 	 

 

			
	BANK USE ONLY
		
	Received by:	 	 
		 	AUTHORIZED SIGNER

			
		
	Date:	 	 

			
		
	Verified:	 	 
		 	AUTHORIZED SIGNER

			
		
	Date:	 	 

			
		
	Compliance Status:	 	Yes     No

 
 

  
 3 

 Schedule 1 to Compliance Certificate 

Financial Covenants of Borrower 

In the event of a conflict between this Schedule and the Loan Agreement, the terms of the Loan Agreement shall govern. 

Dated:
                                         
                
  

	I.	EBITDA (Section 6.9(a)) 

 Required:         See chart below 

 

			
	Period	  	EBITDA
	March 31, 2012	  	$1,000,000
	June 30, 2012	  	($7,800,000)
	September 30, 2012	  	($5,700,000)
	December 31, 2012	  	($100,000)
	Thereafter	  	 To be mutually determined

between Borrower and Bank
 based
upon Borrower’s board
 approved 2013 financial plan

 Actual: 
  

									
			
	 A.
	  	 Net Income
	  	$	                	  
			
	 B.
	  	 To the extent included in the determination of Net Income
	  	$	                	  
				
		  	 1.
	  	The provision for income taxes	  	$	                	  
				
		  	 2.
	  	Depreciation expense	  	$	                	  
				
		  	 3.
	  	Amortization expense	  	$	                	  
				
		  	 4.
	  	Net Interest Expense	  	$	                	  
				
		  	 5.
	  	Unrealized foreign exchange gains and losses	  	$	                	  
				
		  	 6.
	  	All other charges which are both non-cash and non-recurring, including stock option expenses	  	$	                	  
				
		  	 7.
	  	The sum of lines 1 through 6	  	$	                	  
			
	 C.
	  	 EBITDA (line A plus line B.7)
	  	$	                	  

 Is line C equal to or greater than the amount set forth above? 

                No, not in compliance
                                         
                            Yes, in compliance 

  
 4 

	II.	Subscription and Support Revenue (Section 6.9(b)) 

 Required:
            See chart below 
  

			
	Period	  	Software and Subscription Revenue
	March 31, 2012	  	$8,100,000
	June 30, 2012	  	$8,100,000
	September 30, 2012	  	$8,500,000
	December 31, 2012	  	$8,500,000
	Thereafter	  	 To be mutually determined

between Borrower and Bank
 based
upon Borrower’s board
 approved 2013 financial plan

 Actual: 
 Subscription and
Support Revenue                            
$                             

               No, not in compliance
                                         
                    Yes, in compliance 
  

	III.	Adjusted Quick Ratio (For purposes of the Streamline Period) 

 Required:
            Not less than 0.75:1.00 
 Actual: 

 

							
	 A.
	  	Aggregate value of the unrestricted cash and cash equivalents of Borrower	  	 	$                	  
			
	 B.
	  	Aggregate value of the net billed accounts receivable of Borrower and its Subsidiaries	  	 	$                	  
			
	 C.
	  	Quick Assets (the sum of Line A plus Line B)	  	 	$                	  
			
	 D.
	  	Aggregate value of Obligations to Bank	  	 	$                	  
			
	 E.
	  	Aggregate value of liabilities that should, under GAAP, be classified as liabilities on Borrower’s consolidated balance sheet, including all Indebtedness, and not otherwise reflected in line D above that matures within one
(1) year	  	 	$                	  
			
	 F.
	  	Current Liabilities (the sum of lines D and E)	  	 	$                	  
			
	 G.
	  	Advances outstanding under the Revolving Line (to the extent not already included in Current Liabilities)	  	 	$                	  
			
	 H.
	  	Aggregate value of all amounts received or invoiced by Borrower in advance of performance under contracts and not yet recognized as revenue	  	 	$                	  
			
	 I.
	  	Line F plus Line G minus Line H	  	 	$                	  
			
	 J.
	  	Adjusted Quick Ratio (line C divided by line I)	  	 	$                	  

  
 5 

 Is line I equal to or greater than 0.75:1:00? 

                
            No, not in compliance
                                         
                    Yes, in compliance 

  
 6 

 AMENDMENT NO. 2 

TO 
 AMENDED AND RESTATED

 LOAN AND SECURITY AGREEMENT 

This AMENDMENT NO. 2 TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Amendment”) is entered into
July 12, 2012, by and between YODLEE, INC., a Delaware corporation (“Borrower”), and SILICON VALLEY BANK (“Bank”). Capitalized terms used herein without definition shall have the same meanings
given them in the Loan Agreement (as defined below). 
 RECITALS 

 

	A.	Borrower and Bank have entered into that certain Amended and Restated Loan and Security Agreement dated as of July 13, 2011, as amended by Amendment No. 1 to Amended and Restated Loan and Security
Agreement dated as of March 2, 2012 (as the same may be further amended, restated, or otherwise modified, the “Loan Agreement”), pursuant to which the Bank has agreed to extend and make available to Borrower certain
advances of money. 

  

	B.	Bank has extended credit to Borrower for the purposes permitted in the Loan Agreement. Borrower desires that Bank amend the Loan Agreement upon the terms and conditions more fully set forth herein.

  

	C.	Subject to the representations and warranties of Borrower herein and upon the terms and conditions set forth in this Amendment, Bank is willing to amend the Loan Agreement. 

AGREEMENT 
 Now,
therefore, in consideration of the foregoing Recitals and intending to be legally bound, the parties hereto agree as follows: 
 1.
AMENDMENTS TO LOAN AGREEMENT. 
 1.1 Section 2.1.7 (Term Loan) of the Loan Agreement. Section 2.1.7 is hereby added to
the Loan Agreement after Section 2.1.6 thereof as follows: 
 (a) Availability. Bank shall make one (1) term
loan (the “Term Loan”) available to Borrower in an amount up to the Term Loan Amount on the Amendment 2 Effective Date subject to the satisfaction of the terms and conditions of this Agreement. 

(b) Repayment. Borrower shall repay the Term Loan in thirty-six (36) equal monthly installments of principal and
interest in such amount as will fully amortize such outstanding amounts disbursed under the Term Loan over such period (the “Term Loan Payment”). Beginning on the first day of the month following the month in which the
Funding Date of the Term Loan occurs, each Term Loan Payment shall be payable on the first day of each month. Borrower’s final Term Loan Payment, due on the Term Loan Maturity Date, shall include all outstanding principal and accrued and unpaid
interest under the Term Loan. Once repaid, the Term Loan may not be reborrowed. 

 (c) Interest. Subject to Section 2.3(b), the principal amount
outstanding under the Term Loan shall accrue interest at per annum rate equal to 5.5%, which interest shall be payable monthly. 
 1.2
Section 13 (Definitions) of the Loan Agreement. The following definitions are hereby: (a) to the extent already defined in Section 13 of the Loan Agreement, amended and restated in their entirety as follows, and (b) to the
extent not already defined in Section 13 of the Loan Agreement, added to that Section: 
 “Amendment 2
Effective Date” is July 12, 2012. 
 “Credit Extension” is any Advance, Term Loan
or any other extension of credit by Bank for Borrower’s benefit.” 
 “Term Loan” is defined
in Section 2.1.7(a). 
 “Term Loan Amount” is $3,000,000. 

“Term Loan Maturity Date” is thirty-six (36) months from the Funding Date of the Term Loan. 

“Term Loan Payment” is defined in Section 2.1.7(b). 

 

	2.	BORROWER’S REPRESENTATIONS AND WARRANTIES. Borrower represents and warrants that: 

(a) immediately upon giving effect to this Amendment (i) the representations and warranties contained in the Loan Documents are true,
accurate and complete in all material respects as of the date hereof (except to the extent such representations and warranties relate to an earlier date, in which case they are true and correct as of such date), and (ii) no Event of Default has
occurred and is continuing; 
 (b) Borrower has the corporate power and authority to execute and deliver this Amendment and to perform its
obligations under the Loan Agreement, as amended by this Amendment; 
 (c) the certificate of incorporation as amended on November 10,
2008, and the bylaws and other organizational documents of Borrower delivered to Bank on the Effective Date, remain true, accurate and complete and have not been amended, supplemented or restated and are and continue to be in full force and effect;

 (d) the execution and delivery by Borrower of this Amendment and the performance by Borrower of its obligations under the Loan Agreement,
as amended by this Amendment, have been duly authorized by all necessary corporate action on the part of Borrower; 
 (e) this Amendment has
been duly executed and delivered by the Borrower and is the binding obligation of Borrower, enforceable against it in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization, liquidation,
moratorium or other similar laws of general application and equitable principles relating to or affecting creditors’ rights; and 
 (f)
as of the date hereof, it has no defenses against the obligations to pay any amounts under the Obligations. Borrower acknowledges that Bank has acted in good faith and has conducted in a commercially reasonable manner its relationships with Borrower
in connection with this Amendment and in connection with the Loan Documents. 

  
 2 

 Borrower understands and acknowledges that Bank is entering into this Amendment in reliance upon,
and in partial consideration for, the above representations and warranties, and agrees that such reliance is reasonable and appropriate. 

3. LIMITATION. The amendments set forth in Section 1 of this Amendment shall be limited precisely as written and shall not
be deemed (a) to be a waiver or modification of any other term or condition of the Loan Agreement or of any other instrument or agreement referred to therein, or an agreement to forbear with respect to any breach or Event of Default thereunder,
or to prejudice any right or remedy which Bank may now have or may have in the future under or in connection with the Loan Agreement or any instrument or agreement referred to therein; or (b) to be a consent to any future amendment,
modification, forbearance, or waiver to any instrument or agreement, or to any of the provisions thereof. Except as expressly amended hereby, the Loan Agreement shall continue in full force and effect. 

4. EFFECTIVENESS. This Amendment shall become effective upon the satisfaction of all the following conditions precedent: 

4.1 Amendment. Borrower and Bank shall have duly executed and delivered this Amendment to Bank. 

4.2 Payment of Bank Expenses. Borrower shall have paid all Bank Expenses (including all reasonable attorneys’ fees and reasonable
expenses) incurred through the date of this Amendment. 
 4.3 Payment of Loan Fee. Borrower shall have paid Bank a loan fee equal to
$15,000. 
 5. COUNTERPARTS. This Amendment may be signed in any number of counterparts, and by different parties hereto in
separate counterparts, with the same effect as if the signatures to each such counterpart were upon a single instrument. All counterparts shall be deemed an original of this Amendment. 

6. INTEGRATION. This Amendment and any documents executed in connection herewith or pursuant hereto contain the entire agreement
between the parties with respect to the subject matter hereof and supersede all prior agreements, understandings, offers and negotiations, oral or written, with respect thereto and no extrinsic evidence whatsoever may be introduced in any judicial
or arbitration proceeding, if any, involving this Amendment; except that any financing statements or other agreements or instruments filed by Bank with respect to Borrowers shall remain in full force and effect. 

7. GOVERNING LAW; VENUE. THIS AMENDMENT SHALL BE GOVERNED BY AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF
THE STATE OF CALIFORNIA. Borrower and Bank each submit to the exclusive jurisdiction of the State and Federal courts in Santa Clara County, California. 

[Remainder of page intentionally left blank - signature page follows] 

  
 3 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment No. 2 to Amended and
Restated Loan and Security Agreement to be executed as of the date first written above. 
  

					
	BORROWER:	 	YODLEE, INC.
		 	a Delaware corporation
			
		 	By:	  	 /s/ Marc Blouin

		 	Printed Name: Marc Blouin
		 	Title: Vice President
		
	BANK:	 	SILICON VALLEY BANK
			
		 	By:	  	 /s/ Jean Lee

		 	Printed Name: Jean Lee
		 	Title: Deal Team Leader

 -Signature Page- 

Amendment No. 2 to 
 Amended
and Restated 
 Loan and Security Agreement 

 AMENDMENT NO. 3 

TO 
 AMENDED AND RESTATED
LOAN AND SECURITY AGREEMENT 
 This AMENDMENT NO. 3 to AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this
“Amendment”) is entered into this 28 day of February, 2013, by and between YODLEE, INC., a Delaware corporation (“Borrower”), and SILICON
VALLEY BANK (“Bank”). Capitalized terms used herein without definition shall have the same meanings given in the Loan Agreement (as defined below). 

RECITALS 

A. Borrower and Bank have entered into that certain Amended and Restated Loan and Security Agreement dated as of July 11, 2011 (as
amended, restated, supplemented or otherwise modified from time to time, the “Loan Agreement”). 
 B. Bank has
extended credit to Borrower for the purposes permitted in the Loan Agreement. 
 C. Borrower desires that Bank amend the Loan
Agreement upon the terms and conditions more fully set forth herein. Subject to the representations, warranties and covenants of Borrower herein and upon the terms and conditions set forth in this Amendment, Bank is willing to so amend the Loan
Agreement. 
 AGREEMENT 

NOW, THEREFORE, in consideration of the foregoing recitals and other good and valuable
consideration, the receipt and adequacy of which is hereby acknowledged, and intending to be legally bound, the parties hereto agree as follows: 
  

	 	1.	Amendments to Loan Agreement. 

 1.1. Section 6.9 (Financial Covenant).
Section 6.9 of the Loan Agreement is amended and restated in its entirety as follows: 
 “6.9 Financial Covenants.

 (a) EBITDA. Maintain on a trailing six months basis, measured as of the last day of each fiscal quarter specified below,
EBITDA of at least the amount set forth below opposite the period then ended: 
  

			
	 Fiscal Quarter Ending
	  	 Minimum EBITDA

	March 31, 2013	  	($350,000)
	June 30, 2013	  	($4,200,000)
	September 30, 2013	  	($1,300,000)
	December 31, 2013	  	$3,000,000
	Thereafter	  	 To be mutually determined between

Borrower and Bank based upon

Borrower’s board approved 2014

financial plan

 (b) Subscription and Support Revenue. Maintain, measured as of the last day of each
fiscal quarter specified below, Subscription and Support Revenue of at least the amount set forth below opposite the period then ended: 
  

			
	 Fiscal Quarter Ending
	  	 Subscription and Support Revenue

	March 31, 2013	  	$9,000,000
	June 30, 2013	  	$9,500,000
	September 30, 2013	  	$10,000,000
	December 31, 2013	  	$10,500,000
	Thereafter	  	 To be mutually determined between

Borrower and Bank based upon

Borrower’s board approved 2014

financial plan

 1.2. Exhibit C (Compliance Certificate). Exhibit C to the Loan Agreement is amended and restated in its
entirety and replaced with Exhibit A hereto. 
 2. Limitation. The amendments set forth in this Amendment shall be
limited precisely as written and shall not be deemed (a) to be a forbearance, waiver or modification of any other term or condition of the Loan Agreement or of any other instrument or agreement referred to therein or to prejudice any right or
remedy which Bank may now have or may have in the future under or in connection with the Loan Agreement or any instrument or agreement referred to therein; (b) to be a consent to any future amendment or modification, forbearance or waiver to
any instrument or agreement the execution and delivery of which is consented to hereby, or to any waiver of any of the provisions thereof; or (c) to limit or impair Bank’s right to demand strict performance of all terms and covenants as of
any date. Except as expressly amended hereby, the Loan Agreement shall continue in full force and effect. 
 3. Representations and
Warranties. To induce Bank to enter into this Amendment, Borrower hereby represents and warrants to Bank as follows: 
 3.1.
Immediately after giving effect to this Amendment (a) the representations and warranties contained in the Loan Documents are true, accurate and complete in all material respects as of the date hereof (except to the extent such
representations and warranties relate to an earlier date, in which case they are true and correct as of such date), and (b) no Event of Default has occurred and is continuing; 

  
 2 

 3.2. Borrower has the power and authority to execute and deliver this Amendment and to
perform its obligations under the Loan Agreement; 
 3.3. The organizational documents of Borrower remain true, accurate and complete
and have not been amended, supplemented or restated and are and continue to be in full force and effect; 
 3.4. The execution
and delivery by Borrower of this Amendment and the performance by Borrower of the obligations under the Loan Agreement have been duly authorized; 

3.5. The execution and delivery by Borrower of this Amendment and the performance by Borrower of the obligations under the Loan
Agreement do not and will not contravene (a) any law or regulation binding on or affecting Borrower, (b) any contractual restriction with a Person binding on Borrower, (c) any order, judgment or decree of any court or other
governmental or public body or authority, or subdivision thereof, binding on Borrower, or (d) the organizational documents of Borrower; 

3.6. The execution and delivery by Borrower of this Amendment and the performance by Borrower of the obligations under the Loan
Agreement do not require any order, consent, approval, license, authorization or validation of, or filing, recording or registration with, or exemption by any governmental or public body or authority, or subdivision thereof, binding on Borrower,
except as already has been obtained or made; and 
 3.7. This Amendment has been duly executed and delivered by Borrower and is
the binding obligation of Borrower, enforceable against Borrower in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization, liquidation, moratorium or other similar laws of general
application and equitable principles relating to or affecting creditors’ rights. 
 4. Counterparts. This Amendment may
be executed in any number of counterparts and all of such counterparts taken together shall be deemed to constitute one and the same instrument. 

5. Effectiveness. This Amendment shall be deemed effective upon (a) the due execution and delivery of this Amendment by each party
hereto and delivery of same to Bank, and (b) payment by Borrower of all Bank Expenses (including all reasonable attorneys’ fees and reasonable expenses) incurred through the date of this Amendment. 

  
 3 

 IN WITNESS WHEREOF, the
parties hereto have caused this Amendment to be duly executed and delivered as of the date first written above. 
  

							
	 BORROWER:
	 		 	YODLEE, INC., a Delaware corporation
				
		 		 	By:	 	 /s/ Marc Blouin

		 		 	Printed Name: Marc Blouin
		 		 	Title: CFO
			
	 BANK:
	 		 	SILICON VALLEY BANK
				
		 		 	By:	 	 /s/ Jean Lee

		 		 	Printed Name: Jean Lee
		 		 	Title: Deal Team Leader

 Exhibit A 

EXHIBIT C 

COMPLIANCE CERTIFICATE 
  

							
	TO:	  	SILICON VALLEY BANK	  	Date:	  	  

	FROM:	  	YODLEE, INC.	  		  	

 The undersigned Chief Financial Officer, Chief Executive Officer or Controller of Yodlee, Inc. (“Borrower”)
certifies that under the terms and conditions of the Loan and Security Agreement between Borrower and Bank (the “Agreement”). 
 (1) Borrower is
in complete compliance for the period ending             with all required covenants except as noted below; (2) there are no Events of Default; (3) all representations and
warranties in the Agreement are true and correct in all material respects on this date except as noted below; provided, however, that such materiality qualifier shall not be applicable to any representations and warranties that already are qualified
or modified by materiality in the text thereof; and provided, further that those representations and warranties expressly referring to a specific date shall be true, accurate and complete in all material respects as of such date; (4) Borrower,
and each of its Subsidiaries, has timely filed all required tax returns and reports, and Borrower has timely paid all foreign, federal, state and local taxes, assessments, deposits and contributions owed by Borrower except as otherwise permitted
pursuant to the terms of Section 5.9 of the Agreement; and (5) no Liens have been levied or claims made against Borrower or any of its Subsidiaries relating to unpaid employee payroll or benefits of which Borrower has not previously
provided written notification to Bank. 
 Attached are the required documents supporting the certification. The undersigned certifies that these are
prepared in accordance with GAAP consistently applied from one period to the next except as explained in an accompanying letter or footnotes. The undersigned acknowledges that no borrowings may be requested at any time or date of determination that
Borrower is not in compliance with any of the terms of the Agreement, and that compliance is determined not just at the date this certificate is delivered. Capitalized terms used but not otherwise defined herein shall have the meanings given them in
the Agreement. 
 Please indicate compliance status by circling Yes/No under “Complies” column. 

 

					
	 Reporting Covenant
	  	 Required
	  	 Complies

	Accounts receivable agings and reconciliations, aged by invoice date, accounts payable agings and transaction report + BB	  	Weekly and each time an Advance is made; unless during a Streamline Period then monthly	  	Yes    No
			
	Monthly company prepared financial statements in accordance with GAAP + CC + waterfall analysis	  	Monthly within 30 days of month end	  	Yes    No
			
	Annual Plan (including income statements, balance sheets, and cash flow statements, each of the foregoing, by month) for the upcoming fiscal year	  	As updated, but no later than 31 days after FYE.	  	Yes    No
			
	Annual financial statements certified by, and with an unqualified opinion of, independent CPA	  	Annually, within 180 days after FYE	  	Yes    No
			
	 Bookings report
	  	Quarterly within 30 days of month end.	  	Yes    No

  

									
	 Financial Covenant
	  	 Required
	  	Actual	 	  	 Complies

	 Maintain on a Quarterly Basis:
	  		  				  	
	 Minimum Trailing Six Month EBITDA
	  	(See Schedule 1)	  	 	        :1.0	  	  	Yes    No
	 Minimum Subscription and Support Revenue
	  	(See Schedule 1)	  	$	        	  	  	Yes    No

  
 2 

					
	 Streamline Period
	  	 Applies

	 Monthly Adjusted Quick Ratio
	  	Not less than 0.75:1.00	  	Yes      No

 The following financial covenant analyses and information set forth in Schedule 1 attached hereto are true and
accurate as of the date of this Certificate. 
 The following are the exceptions with respect to the certification above: (If no exceptions
exist, state “No exceptions to note.”) 
  
  

 
  
  

 
  

									
	YODLEE, INC.	 		 	BANK USE ONLY
					
		 		 		 	Received by:	 	  

	By:	 	  
	 		 		 	AUTHORIZED SIGNER  
	Name:	 	  
	 		 	Date:	 	  

	Title:	 	  
	 		 		 	
		 		 		 	Verified:	 	  

		 		 		 		 	AUTHORIZED SIGNER  
		 		 		 	Date:	 	  

		 		 		 	Compliance Status:	 	Yes      No

  
 3 

 Schedule 1 to Compliance Certificate 

Financial Covenants of Borrower 

In the event of a conflict between this Schedule and the Loan Agreement, the terms of the Loan Agreement shall govern. 

Dated:                      

 

	I.	EBITDA (Section 6.9(a)) 

  

	Required:	        See chart below 

  

			
	Period	  	EBITDA
	 March 31, 2013
	  	($350,000)
	 June 30, 2013
	  	($4,200,000)
	 September 30, 2013
	  	($1,300,000)
	 December 31, 2013
	  	$3,000,000
	 Thereafter
	  	To be mutually determined between Borrower and Bank based upon Borrower’s board approved 2014 financial plan

 Actual: 
  

											
	A.	 	Net Income	  	$	 	  	 	 
				
	B.	 	To the extent included in the determination of Net Income	  	$	 	  	 	 
					
		 	1.	  	The provision for income taxes	  	$	 	  	 	 
					
		 	2.	  	Depreciation expense	  	$	 	  	 	 
					
		 	3.	  	Amortization expense	  	$	 	  	 	 
					
		 	4.	  	Net Interest Expense	  	$	 	  	 	 
					
		 	5.	  	Unrealized foreign exchange gains and losses	  	$	 	  	 	 
					
		 	6.	  	All other charges which are both non-cash and non-recurring, including stock option expenses	  	$	 	  	 	 
					
		 	7.	  	The sum of lines 1 through 6	  	$	 	  	 	 
				
	C.	 	EBITDA (line A plus line B.7)	  	$	 	  	 	 

 Is line C equal to or greater than the amount set forth above? 

                No, not in compliance
                                         
                                         
                           Yes, in compliance 

  
 4 

	II.	Subscription and Support Revenue (Section 6.9(b)) 

 Required:
        See chart below 
  

			
	Period	  	Software and Subscription Revenue
	 March 31, 2013
	  	$9,000,000
	 June 30, 2013
	  	$9,500,000
	 September 30, 2013
	  	$10,000,000
	 December 31, 2013
	  	$10,500,000
	 Thereafter
	  	To be mutually determined between Borrower and Bank based upon Borrower’s board approved 2014 financial plan

 Actual: 
 Subscription and
Support Revenue        $                     

                 No, not in compliance
                                         
                               Yes, in compliance 

 

	III.	Adjusted Quick Ratio (For purposes of the Streamline Period) 

Required:        Not less than 0.75:1.00 

Actual: 
  

									
	A.	  	Aggregate value of the unrestricted cash and cash equivalents of Borrower	  	$	 	  	  	 
				
	B.	  	Aggregate value of the net billed accounts receivable of Borrower and its Subsidiaries	  	$	 	  	  	 
				
	C.	  	Quick Assets (the sum of Line A plus Line B)	  	$	 	  	  	 
				
	D.	  	Aggregate value of Obligations to Bank	  	$	 	  	  	 
				
	E.	  	Aggregate value of liabilities that should, under GAAP, be classified as liabilities on Borrower’s consolidated balance sheet, including all Indebtedness, and not otherwise reflected in line D above that matures within one
(1) year	  	$	 	  	  	 
				
	F.	  	Current Liabilities (the sum of lines D and E)	  	$	 	  	  	 
				
	G.	  	Advances outstanding under the Revolving Line (to the extent not already included in Current Liabilities)	  	$	 	  	  	 
				
	H.	  	Aggregate value of all amounts received or invoiced by Borrower in advance of performance under contracts and not yet recognized as revenue	  	$	 	  	  	 
				
	I.	  	Line F plus Line G minus Line H	  	$	 	  	  	 
				
	J.	  	Adjusted Quick Ratio (line C divided by line I)	  	$	 	  	  	 

  
 5 

 Is line I equal to or greater than 0.75:1:00? 

                     No, not in compliance
                                         
                   Yes, in compliance 

  
 6 

 AMENDMENT NO. 4 

TO 
 AMENDED AND RESTATED
LOAN AND SECURITY AGREEMENT 
 This AMENDMENT NO. 4 to AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this
“Amendment”) is entered into this [    ] day of August, 2013, by and between YODLEE, INC., a Delaware corporation (“Borrower”), and SILICON VALLEY BANK
(“Bank”). Capitalized terms used herein without definition shall have the same meanings given in the Loan Agreement (as defined below). 

RECITALS 
 A. Borrower and
Bank have entered into that certain Amended and Restated Loan and Security Agreement dated as of July 13, 2011 (as amended, restated, supplemented or otherwise modified from time to time, the “Loan Agreement”). 

B. Bank has extended credit to Borrower for the purposes permitted in the Loan Agreement. 

C. Borrower desires that Bank amend the Loan Agreement upon the terms and conditions more fully set forth herein. Subject to the
representations, warranties and covenants of Borrower herein and upon the terms and conditions set forth in this Amendment, Bank is willing to so amend the Loan Agreement. 

AGREEMENT 
 NOW,
THEREFORE, in consideration of the foregoing recitals and other good and valuable consideration, the receipt and adequacy of which is hereby acknowledged, and intending to be legally bound, the parties hereto agree as follows; 

1. Amendments to Loan Agreement. 

1.1. Section 2.1.6 (Equipment C Advances). Section 2.1.6(d) of the Loan Agreement is amended and restated in its entirety as
follows: 
 “(d) Interest. Subject to Section 2.3(b), the principal amount outstanding for each Equipment C Advance shall
accrue interest at a per annum rate equal to 5.0%, which interest shall be payable monthly on the first day of each month.” 
 1.2.
Section 2.1.7 (Term Loan). Section 2.1.7(c) of the Loan Agreement is amended and restated in its entirety as follows: 

“(c) Interest. Subject to Section 2.3(b), the principal amount outstanding under the Term Loan shall accrue interest at a per
annum rate equal to 5.0%, which interest shall be payable monthly on the first day of each month.” 

 1.3. Section 2.1.8 (Term Loan B Advances). Section 2.1.8 is hereby added to the
Loan Agreement after Section 2.1.7 thereof as follows: 
 “2.1.8 Term Loan B Advances. 

(a) Availability. Bank shall make one (1) term loan (the “Term Loan B”) available to
Borrower in an amount up to the Term Loan B Amount on the Amendment 4 Effective Date subject to the satisfaction of the terms and conditions of this Agreement. 

(b) Repayment. Borrower shall pay only interest on the Term Loan B for the first six (6) months following the
Amendment 4 Effective Date and thereafter the Term Loan B shall be repaid in thirty-six (36) equal monthly installments of principal and interest in such amount as will fully amortize such outstanding amounts disbursed under the Term Loan B
over such period (the “Term Loan B Payment”). Beginning on the first day of the month following the month in which the Funding Date of the Term Loan B occurs, each Term Loan B Payment shall be payable on the first day of each
month. Borrower’s final Term Loan B Payment, due on the Term Loan B Maturity Date, shall include all outstanding principal and accrued and unpaid interest under the Term Loan B. Once repaid, the Term Loan B may not be reborrowed. 

(c) Interest. Subject to Section 2.3(b), the principal amount outstanding under the Term Loan B shall accrue
interest at a per annum rate equal to 5.0%, which interest shall be payable monthly on the first day of each month.” 
 1.4.
Section 2.3 (Payment of Interest on the Credit Extensions). Section 2.3(a) of the Loan Agreement is amended and restated in its entirety as follows: 

“(a) Advances. Subject to Section 2.3(b), the principal amount outstanding under the Revolving Line shall
accrue interest at a floating per annum rate equal to 125 basis points (1.25%) above the Prime Rate, which interest shall be payable monthly in accordance with Section 2.3(e) below.” 

1.5. Section 2.4 (Fees). Sections 2.4(a) and 2.4(e) of the Loan Agreement are amended and restated in their entirety as follows:

 “(a) Loan Fee. A fully earned, non-refundable loan fee of $50,000 on March 17, 2014 and each anniversary
thereafter; and” 
 “(e) [Reserved].” 

1.6. Section 6.2 (Financial Statements, Reports, Certificates). Sections 6.2(a) and 6.2(d) of the Loan Agreement are amended and
restated in their entirety as follows: 
 “(a) Monthly accounts receivable agings and reconciliations, aged by invoice
date, and accounts payable agings, and transaction reports, together with a waterfall analysis (showing initiatives, renewals, signed and deployed, signed not deployed, new bookings, and variables from renewals and signed contracts), delivered to
Bank no later than thirty (30) days after the last day of each month;” 
 “(d) within forty-five
(45) days after the end of each fiscal year of Burrower, annual financial projections in the form provided to Borrower’s investors for such fiscal year as approved by Borrower’s board of directors; and” 

  
 2 

 1.7. Section 6.3(e) (Collection of Accounts). Section 6.3(c) of the Loan
Agreement is amended and restated in its entirety as follows: 
 “(c) Collection of Accounts. Borrower shall have
the right to collect all Accounts, unless and until an Event of Default has occurred and is continuing. Bank shall require that all proceeds of Accounts be deposited by Borrower into a lockbox account, or such other “blocked account” as
specified by Bank, pursuant to a blocked account agreement in such form as Bank may specify in its good faith business judgment. Whether or not an Event of Default has occurred and is continuing, Borrower shall immediately deliver all payments on
and proceeds of Accounts to an account maintained with Bank to be applied (i) prior to an Event of Default, pursuant to the terms of Section 2.5(b) hereof, and (ii) after the occurrence and during the continuance of an Event of
Default, pursuant to the terms of Section 9.4 hereof,” 
 1.8. Section 6.9 (Financial Covenant). Section 6.9(a)
of the Loan Agreement is amended and restated in its entirety as follows: 
 “(a) EBITDA. Maintain on a trailing
six months basis, measured as of the last day of each fiscal quarter specified below, EBITDA of at least the amount set forth below opposite the period then ended: 
  

			
	 Fiscal Quarter Ending
	 	 Minimum EBITDA

	September 30, 2013	 	($1,300,000)
	December 31, 2013	 	$2,000,000
	Thereafter	 	To be mutually determined
between Borrower and
Bank based upon
Borrower’s board
approved 2014 financial plan

 1.9. Section 13.1 (Definitions) of the Loan Agreement. The following definitions are hereby
(a) to the extent already defined in Section 13.1 of the Loan Agreement, amended and restated in their entirety as follows, and (b) to the extent not already defined in Section 13 of the Loan Agreement, added to that Section:

 ““Amendment 4 Effective Date” is [            ],
2013.” 
 ““Borrowing Base” is (a) $3,000,000 provided, however, that Borrower maintains an
Adjusted Quick Ratio equal to or greater than 0.75:1.00, plus (b) trailing three-month Subscription and Support Revenue; provided, however, that Bank may, upon fifteen (15) days prior written notice, decrease the foregoing in its
good faith business judgment based on events, conditions, contingencies, or risks which, as determined by Bank may adversely affect Collateral.” 

““Credit Extension” is any Advance, Term Loan, Term Loan B or any other extension of credit by Bank for
Borrower’s benefit” 
 ““Revolving Line Maturity Date” is March 17, 2015. 

  
 3 

 ““Term Loan B” is defined in Section 2.1.7(a).” 

““Term Loan B Amount” is $3,000,000.” 

““Term Loan B Maturity Date” is forty-two (42) months from the Funding Date of the Term Loan B.” 

““Term Loan B Payment” is defined in Section 2.1.8(b).” 

1.10. Section 13.1 (Definitions). The definition, “Streamline Period” in Section 13.1 of the Loan Agreement
is deleted in its entirety. 
 1.11. Omnibus Amendment. All references to Streamline Trigger shall be deleted from the Loan Agreement
and any provision or document containing such reference shall be construed and interpreted to express the intent of the parties as set forth in this Amendment, 

1.12. Exhibit C (Compliance Certificate). Exhibit C to the Loan Agreement is amended and restated in its entirety and replaced with
Exhibit A hereto. 
 2. Limitation. The amendments set forth in this Amendment shall be limited precisely as written and
shall not be deemed (a) to be a forbearance, waiver or modification of any other term or condition of the Loan Agreement or of any other instrument or agreement referred to therein or to prejudice any right or remedy which Bank may now have or
may have in the future under or in connection with the Loan Agreement or any instrument or agreement referred to therein; (b) to be a consent to any future amendment or modification, forbearance or waiver to any instrument or agreement the
execution and delivery of which is consented to hereby, or to any waiver of any of the provisions thereof; or (c) to limit or impair Bank’s right to demand strict performance of all terms and covenants as of any date. Except as expressly
amended hereby, the Loan Agreement shall continue in full force and effect. 
 3. Representations and Warranties. To induce Bank to
enter into this Amendment, Borrower hereby represents and warrants to Bank as follows: 
 3.1. Immediately after giving effect to
this Amendment (a) the representations and warranties contained in the Loan Documents are true, accurate and complete in all material respects as of the date hereof (except to the extent such representations and warranties relate to an earlier
date, in which case they are true and correct as of such date), and (b) no Event of Default has occurred and is continuing; 
 3.2.
Borrower has the power and authority to execute and deliver this Amendment and to perform its obligations under the Loan Agreement; 

3.3. The organizational documents of Borrower remain true, accurate and complete and have not been amended, supplemented or restated
and are and continue to be in full force and effect; 
 3.4. The execution and delivery by Borrower of this Amendment and the
performance by Borrower of the obligations under the Loan Agreement have been duly authorized; 
 3.5. The execution and delivery by
Borrower of this Amendment and the performance by Borrower of the obligations under the Loan Agreement do not and will not contravene (a) any law or regulation binding on or affecting Borrower, (b) any contractual restriction with a Person
binding on Borrower, (c) any order, judgment or decree of any court or other governmental or public body or authority, or subdivision thereof, binding on Borrower, or (d) the organizational documents of Borrower; 

  
 4 

 3.6. The execution and delivery by Borrower of this Amendment and the performance by
Borrower of the obligations under the Loan Agreement do not require any order, consent, approval, license, authorization or validation of, of filing, recording or registration with, or exemption by any governmental or public body or authority, or
subdivision thereof, binding on Borrower, except as already has been obtained or made; and 
 3.7. This Amendment has been duly
executed and delivered by Borrower and is the binding obligation of Borrower, enforceable against Borrower in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization, liquidation, moratorium
or other similar laws of general application and equitable principles relating to or affecting creditors’ rights. 
 4.
Counterparts. This Amendment may be executed in any number of counterparts and all of such counterparts taken together shall be deemed to constitute one and the same instrument. 

5. Effectiveness. This Amendment shall be deemed effective upon (a) the due execution and delivery of this Amendment by each party
hereto and delivery of seine to Bank and (b) payment by Borrower of all Bank Expenses (including all reasonable attorneys’ fees and reasonable expenses) incurred through the date of this Amendment. 

6. Integration. This Amendment and any documents executed in connection herewith or pursuant hereto contain the entire agreement
between the parties with respect to the subject matter hereof and supersede all prior agreements, understandings, offers and negotiations, oral or written, with respect thereto and no extrinsic evidence whatsoever may be introduced in any judicial
or arbitration proceeding, if any, involving this Amendment; except that any financing statements or other agreements or instruments filed by Bank with respect to Borrower shall remain in full force and effect. 

7. Governing Law; Venue. THIS AMENDMENT SHALL BE GOVERNED BY AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE
STATE OF CALIFORNIA. Borrower and Bank each submit to the exclusive jurisdiction of the State and Federal courts in Santa Clara County, California. 

  
 5 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed and
delivered as of the date first written above. 
  

							
	BORROWER:	 		 	YODLEE, INC., a Delaware corporation
				
		 		 	By:	 	 /s/ Mike Armsby

		 		 	Printed Name:	 	 Mike Armsby

		 		 	Title: 	 	 CFO

			
	BANK:	 		 	SILICON VALLEY BANK
				
		 		 	By: 	 	 /s/ Lane Bruno

		 		 	Printed Name:	 	 Lane Bruno

		 		 	Title: 	 	 VP

 [Signature Page to Amendment No. 4 to 

Amended and Restated Loan and Security Agreement] 

 Exhibit A 

EXHIBIT C 

COMPLIANCE CERTIFICATE 
  

					
	TO: SILICON VALLEY BANK	 		 	Date:
                                    
	FROM: YODLEE, INC.	 		 	

 The undersigned Chief Financial Officer, Chief Executive Officer or Controller of Yodlee, Inc, (“Borrower”)
certifies that under the terms and conditions of the Loan and Security Agreement between Borrower and Bank (the “Agreement”): 
 (1) Borrower is
in complete compliance for the period ending             with all required covenants except as noted below; (2) there are no Events of Default; (3) all representations and
warranties in the Agreement are true and correct in all material respects on this date except as noted below; provided, however, that such materiality qualifier shall not be applicable to any representations and warranties that already are qualified
or modified by materiality in the text thereof; and provided, further that those representations and warranties expressly referring to a specific date shall be true, accurate and complete in all material respects as of such date; (4) Borrower,
and each of its Subsidiaries, has timely filed all required tax returns and reports, and Borrower has timely paid all foreign, federal, state and local taxes, assessments, deposits and contributions owed by Borrower except as otherwise permitted
pursuant to the terms of Section 5.9 of the Agreement; and (5) no Liens have been levied or claims made against Borrower or any of its Subsidiaries relating to unpaid employee payroll or benefits of which Borrower has not previously
provided written notification to Bank, 
 Attached are the required documents supporting the certification. The undersigned certifies that these are
prepared in accordance with GAAP consistently applied from one period to the next except as explained in an accompanying letter or footnotes. The undersigned acknowledges that no borrowings may be requested at any time or date of determination that
Borrower is not in compliance with any of the terms of the Agreement, and that compliance is determined not just at the date this certificate is delivered. Capitalized terms used but not otherwise defined herein shall have the meanings given them in
the Agreement. 
 Please indicate compliance status by circling Yes/No under “Complies” column. 

 

					
	 Reporting Covenant
	  	 Required
	  	Complies
	Accounts receivable agings and reconciliations, aged by invoice date, accounts payable agings and transaction reports, + BB	  	Monthly within 30 days of month end.	  	Yes    No
			
	Monthly company prepared financial statements in accordance with GAAP + CC + waterfall analysis	  	Monthly within 30 days of month end	  	Yes    No
			
	Annual Plan (including income statements, balance sheets, and cash flow statements, each of the foregoing, by month) for the upcoming fiscal year	  	As updated, but no later than 45 days after FYE.	  	Yes    No
			
	Annual financial statements certified by, and with an unqualified opinion of, independent CPA	  	Annually, within 180 days after FYE	  	Yes    No
			
	Bookings report	  	Quarterly within 30 days of month end.	  	Yes    No

  
 2 

											
	 Financial Covenant
	  	Required	 	 	    Actual    	 	  	Complies
	 Maintain on a Quarterly Basis:
	  				 				  	
	 Minimum Trailing Six Month EBITDA
	  	 	(See Schedule 1	) 	 	$	 	  	  	Yes    No
	 Minimum Subscription and Support Revenue
	  	 	(See Schedule 1	) 	 	$	 	  	  	Yes    No

 The following financial covenant analyses and information set forth in Schedule 1 attached hereto are true and
accurate as of the date of this Certificate. 
 The following are the exceptions with respect to the certification above: (If no exceptions
exist, state “No exceptions to note.”) 
  

									
	YODLEE, INC.	 		  	BANK USE ONLY
					
		 		 		  	Received by:	 	  

		 		 		  		 	AUTHORIZED SIGNER
					
	By:	 	  
	 		  	Date:	 	  

					
	Name:	 	  
	 		  	Verified:	 	  

		 		 		  		 	AUTHORIZED SIGNER
	Title:	 	  
	 		  		 	
		 		 		  	Date:	 	  

				
		 		 		  	Compliance Status:        Yes        No

  
 3 

 Schedule I to Compliance Certificate 

Financial Covenants of Borrower 

In the event of a conflict between this Schedule and the Loan Agreement, the terms of the Loan Agreement shall govern. 

 

			
	Dated:	 	 

  

	I.	EBITDA (Section 6.9(a)) 

 Required:         See chart
below 
  

			
	 Period
	 	 EBITDA

		
	September 30, 2013	 	($1,300,000)
		
	December 31, 2013	 	$2,000,000
		
	Thereafter	 	To be mutually determined between
Borrower and Bank based upon
Borrower’s board approved 2014
financial plan

  

									
	 Actual: 
	  		  	
				
	A.	    	Net Income	  	$	  	 
				
	B.	    	 To the extent included in the determination of Net Income
	  		  	
					
		    	1.	  	The provision for income taxes	  	$	  	 
					
		    	2.	  	Depreciation expense	  	$	  	 
					
		    	3.	  	Amortization expense	  	$	  	 
					
		    	4.	  	Net Interest Expense	  	$	  	 
					
		    	5.	  	Unrealized foreign exchange gains and losses	  	$	  	 
					
		    	6.	  	All other charges which are both non-cash and non-recurring, including stock option expenses	  	$	  	 
					
		    	7.	  	The sum of lines 1 through 6	  	$	  	 
				
	C.	    	EBITDA (line A plus line B.7)	  		  	

 Is line C equal to or greater than the amount set forth above? 

                      
 No, not in compliance
                                         
    Yes, in compliance 

  
 4 

 AMENDMENT NO. 5 

TO 
 AMENDED AND RESTATED
LOAN AND SECURITY AGREEMENT 
 This AMENDMENT NO. 5 to AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this
“Amendment”) is entered into this [    ] day of February, 2014, by and between YODLEE, INC., a Delaware corporation (“Borrower”), and SILICON VALLEY BANK
(“Bank”). Capitalized terms used herein without definition shall have the same meanings given in the Loan Agreement (as defined below). 

RECITALS 
 A.
Borrower and Bank have entered into that certain Amended and Restated Loan and Security Agreement dated as of July 13, 2011 (as amended, restated, supplemented or otherwise modified from time to time, the “Loan Agreement”).

 B. Bank has extended credit to Borrower for the purposes permitted in the Loan Agreement. 

C. Borrower has requested that Bank amend the Loan Agreement to (i) establish financial covenant levels set forth in
Section 6.9 of the Loan Agreement and (ii) make certain other revisions to the Loan Agreement as more fully set forth herein. 

D. Bank has agreed to so amend certain provisions of the Loan Agreement, but only to the extent, in accordance with the terms, subject
to the conditions and in reliance upon the representations and warranties set forth below. 
 AGREEMENT 

NOW, THEREFORE, in consideration of the foregoing recitals and other good and valuable consideration, the receipt and adequacy of which
is hereby acknowledged, and intending to be legally bound, the parties hereto agree as follows: 
 1. Amendments to Loan Agreement.

 1.1. Section 6.9 (Financial Covenant). Section 6.9 of the Loan Agreement is amended and restated in its entirety as
follows: 
 “(a) EBITDA. Maintain on a trailing six months basis, measured as of the last day of each fiscal
quarter specified below, EBITDA of at least the amount set forth below opposite the period then ended: 
  

			
	 Fiscal Quarter Ending
	 	 Minimum EBITDA

	 March 31, 2014
	 	$1,500,000
	 June 30, 2014
	 	($3,400,000)
	 September 30, 2014
	 	($1,500,000)
	 December 31, 2014
	 	$3,400,000
	 Thereafter
	 	To be mutually determined between
Borrower and Bank based upon
Borrower’s board approved 2015
financial plan

 (b) Subscription and Support Revenue. Maintain, measured as of the last
day of each fiscal quarter specified below, Subscription and Support Revenue of at least the amount set forth below opposite the period then ended: 
  

			
	 Fiscal Quarter Ending
	 	 Subscription and

Support Revenue

	 March 31, 2014
	 	$12,000,000
	 June 30, 2014
	 	$12,750,000
	 September 30, 2014
	 	$15,000,000
	 December 31, 2014
	 	$17,500,000
	 Thereafter
	 	To be mutually determined between 
Borrower and Bank based upon
Borrower’s board approved 2015
financial plan

 1.2. Section 13.1 (Definitions) of the Loan Agreement. The following definition is hereby amended
and restated in its entirety as follows: 
 ““EBITDA” shall mean (a) Net Income, plus
(b) Interest Expense, plus, without duplication, to the extent deducted in the calculation of Net Income, (c) depreciation expenses and amortization expense, plus (d) income tax expense, plus (e) all non-cash expenses including,
but not limited to, any stock option expenses and unrealized foreign exchange gains and losses, plus (f) one-time transaction fees, costs and expenses incurred in fiscal year 2014 and in connection with the Borrower’s initial public
offering in an aggregate amount not to exceed $1,000,000.” 
 1.3. Exhibit C (Compliance Certificate). Exhibit C to the Loan
Agreement is amended and restated in its entirety and replaced with Exhibit A hereto. 

  
 2 

 2. Limitation. The amendments set forth in this Amendment shall be limited precisely as
written and shall not be deemed (a) to be a forbearance, waiver or modification of any other term or condition of the Loan Agreement or of any other instrument or agreement referred to therein or to prejudice any right or remedy which Bank may
now have or may have in the future under or in connection with the Loan Agreement or any instrument or agreement referred to therein; (b) to be a consent to any future amendment or modification, forbearance or waiver to any instrument or
agreement the execution and delivery of which is consented to hereby, or to any waiver of any of the provisions thereof; or (c) to limit or impair Bank’s right to demand strict performance of all terms and covenants as of any date. Except
as expressly amended hereby, the Loan Agreement shall continue in full force and effect. 
 3. Representations and Warranties. To
induce Bank to enter into this Amendment, Borrower hereby represents and warrants to Bank as follows: 
 3.1. Immediately after
giving effect to this Amendment (a) the representations and warranties contained in the Loan Documents are true, accurate and complete in all material respects as of the date hereof (except to the extent such representations and warranties
relate to an earlier date, in which case they are true and correct as of such date), and (b) no Event of Default has occurred and is continuing; 

3.2. Borrower has the power and authority to execute and deliver this Amendment and to perform its obligations under the Loan
Agreement; 
 3.3. The Operating Documents of Borrower remain true, accurate and complete and have not been amended, supplemented or
restated and are and continue to be in full force and effect; 
 3.4. The execution and delivery by Borrower of this Amendment and
the performance by Borrower of the obligations under the Loan Agreement have been duly authorized; 
 3.5. The execution and delivery
by Borrower of this Amendment and the performance by Borrower of the obligations under the Loan Agreement do not and will not contravene (a) any law or regulation binding on or affecting Borrower, (b) any contractual restriction with a
Person binding on Borrower, (c) any order, judgment or decree of any court or other governmental or public body or authority, or subdivision thereof, binding on Borrower, or (d) the Operating Documents of Borrower; 

3.6. The execution and delivery by Borrower of this Amendment and the performance by Borrower of the obligations under the Loan
Agreement do not require any order, consent, approval, license, authorization or validation of, or filing, recording or registration with, or exemption by any governmental or public body or authority, or subdivision thereof, binding on Borrower,
except as already has been obtained or made; 
 3.7. This Amendment has been duly executed and delivered by Borrower and is the
binding obligation of Borrower, enforceable against Borrower in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization, liquidation, moratorium or other similar laws of general application
and equitable principles relating to or affecting creditors’ rights; and 

  
 3 

 3.8. as of the date hereof, it has no defenses against the obligations to pay any amounts
under the Obligations. Borrower acknowledges that Bank has acted in good faith and has conducted in a commercially reasonable manner its relationships with Borrower in connection with this Amendment and in connection with the Loan Documents. 

Borrower understands and acknowledges that Bank is entering into this Amendment in reliance upon, and in partial consideration for, the above representations
and warranties, and agrees that such reliance is reasonable and appropriate. 
 4. Counterparts. This Amendment may be executed in
any number of counterparts and all of such counterparts taken together shall be deemed to constitute one and the same instrument. 
 5.
Effectiveness. This Amendment shall be deemed effective upon (a) the due execution and delivery of this Amendment by each party hereto and delivery of same to Bank, and (b) payment by Borrower of all Bank Expenses (including all
reasonable attorneys’ fees and reasonable expenses) incurred through the date of this Amendment. 
 6. Integration. This
Amendment and any documents executed in connection herewith or pursuant hereto contain the entire agreement between the parties with respect to the subject matter hereof and supersede all prior agreements, understandings, offers and negotiations,
oral or written, with respect thereto and no extrinsic evidence whatsoever may be introduced in any judicial or arbitration proceeding, if any, involving this Amendment; except that any financing statements or other agreements or instruments filed
by Bank with respect to Borrower shall remain in full force and effect. 
 7. Governing Law; Venue. THIS AMENDMENT SHALL BE GOVERNED
BY AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF CALIFORNIA. Borrower and Bank each submit to the exclusive jurisdiction of the State and Federal courts in Santa Clara County, California. 

  
 4 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed and
delivered as of the date first written above. 
  

							
	BORROWER:	 		 	YODLEE, INC., a Delaware corporation
				
		 		 	By:	 	 /s/ Mike Armsby

		 		 	Print Name:	 	Mike Armsby
		 		 	Title:	 	CFO
			
	BANK:	 		 	SILICON VALLEY BANK
				
		 		 	By:	 	 /s/ Lane Bruno

		 		 	Print Name:	 	Lane Bruno
		 		 	Title: 	 	VP

 [Signature Page to Amendment No. 5 to 

Amended and Restated Loan and Security Agreement] 

 Exhibit A 

EXHIBIT C 

COMPLIANCE CERTIFICATE 
  

					
	TO: SILICON VALLEY BANK	 		 	Date:                     
	FROM: YODLEE, INC.	 		 	

 The undersigned Chief Financial Officer, Chief Executive Officer, Vice President, Finance or Controller of Yodlee, Inc.
(“Borrower”) certifies that under the terms and conditions of the Loan and Security Agreement between Borrower and Bank (the “Agreement”): 

(1) Borrower is in complete compliance for the period ending
                    with all required covenants except as noted below; (2) there are no Events of Default; (3) all representations and
warranties in the Agreement are true and correct in all material respects on this date except as noted below; provided, however, that such materiality qualifier shall not be applicable to any representations and warranties that already are qualified
or modified by materiality in the text thereof; and provided, further that those representations and warranties expressly referring to a specific date shall be true, accurate and complete in all material respects as of such date; (4) Borrower,
and each of its Subsidiaries, has timely filed all required tax returns and reports, and Borrower has timely paid all foreign, federal, state and local taxes, assessments, deposits and contributions owed by Borrower except as otherwise permitted
pursuant to the terms of Section 5.9 of the Agreement; and (5) no Liens have been levied or claims made against Borrower or any of its Subsidiaries relating to unpaid employee payroll or benefits of which Borrower has not previously
provided written notification to Bank. 
 Attached are the required documents supporting the certification. The undersigned certifies that these are
prepared in accordance with GAAP consistently applied from one period to the next except as explained in an accompanying letter or footnotes. The undersigned acknowledges that no borrowings may be requested at any time or date of determination that
Borrower is not in compliance with any of the terms of the Agreement, and that compliance is determined not just at the date this certificate is delivered. Capitalized terms used but not otherwise defined herein shall have the meanings given them in
the Agreement. 
 Please indicate compliance status by circling Yes/No under “Complies” column. 

 

					
	 Reporting Covenant
	  	Required	  	Complies
	 Accounts receivable agings and reconciliations, aged by invoice date, accounts payable agings and transaction reports, + BB
	  	Monthly within 30 days of
month end.	  	Yes     No
			
	 Monthly company prepared financial statements in accordance with GAAP + CC + waterfall analysis
	  	Monthly within 30 days of
month end	  	Yes     No
			
	 Annual Plan (including income statements, balance sheets, and cash flow statements, each of the foregoing, by month) for the upcoming
fiscal year
	  	As updated, but no later
than 45 days after FYE.	  	Yes     No
			
	 Annual financial statements certified by, and with an unqualified opinion of, independent CPA
	  	Annually, within 180 days
after FYE	  	Yes     No
			
	 Bookings report
	  	Quarterly within 30 days
of month end.	  	Yes     No

  
 2 

									
	 Financial Covenant
	  	Required	 	Actual	 	  	Complies
	 Maintain on a Quarterly Basis:
	  		 				  	
	 Minimum Trailing Six Month EBITDA
	  	(See Schedule 1)	 	$	 	  	  	Yes     No
	 Minimum Subscription and Support Revenue
	  	(See Schedule 1)	 	$	 	  	  	Yes     No

 The following financial covenant analyses and information set forth in Schedule 1 attached hereto are true and
accurate as of the date of this Certificate. 
 The following are the exceptions with respect to the certification above: (If no exceptions
exist, state “No exceptions to note.”) 
  
  

 
  
  

 
  

 
  

									
			
	YODLEE, INC.	 		 	BANK USE ONLY
					
		 		 		 	Received by:	 	  

		 		 		 		 	AUTHORIZED SIGNER
					
	By:	 	  
	 		 	Date:	 	  

					
	Name:	 	  
	 		 	Verified:	 	  

		 		 		 		 	AUTHORIZED SIGNER
					
	Title:	 	  
	 		 		 	
					
		 		 		 	Date:	 	  

				
		 		 		 	Compliance Status:         Yes         No

  
 3 

 Schedule 1 to Compliance Certificate 

Financial Covenants of Borrower 

In the event of a conflict between this Schedule and the Loan Agreement, the terms of the Loan Agreement shall govern. 

Dated:                         

  

	I.	EBITDA (Section 6.9(a)) 

Required:             See chart below 

 

			
	 Fiscal Quarter Ending
	  	 Minimum EBITDA

	March 31, 2014	  	$1,500,000
	June 30, 2014	  	($3,400,000)
	September 30, 2014	  	($1,500,000)
	December 31, 2014	  	$3,400,000
	Thereafter	  	 To be mutually determined

between Borrower and Bank based

upon Borrower’s board approved

2015 financial plan

  

					
	Actual:	  	
			
	 A.     
	  	Net Income	  	$                    
			
	 B.     
	  	Interest Expense	  	
			
	 C.     
	  	To the extent deducted in the calculation of Net Income, depreciation expense and amortization expense	  	$                    
			
	 E.     
	  	Income tax expense	  	$                    
			
	 F.      
	  	All non-cash expenses, including, but not limited to any stock option expenses and unrealized foreign exchange gains and losses	  	$                    
			
	 F.      
	  	One-time transaction fees, costs and expenses incurred in fiscal year 2014 and in connection with the Borrower’s initial public offering in an aggregate amount not to exceed $1,000,000	  	$                    
			
	 G.     
	  	EBITDA (the sum of lines A through F)	  	$                    

 Is line G equal to or greater than the amount set forth above? 

             No, not in compliance
                             Yes, in
compliance                         

  
 4 

	II.	Subscription and Support Revenue (Section 6.9(b)) 

 Required: See chart below 

 

			
	 Fiscal Quarter Ending
	 	 Subscription and

Support Revenue

	March 31, 2014	 	$12,000,000
	June 30, 2014	 	$12,750,000
	September 30, 2014	 	$15,000,000
	December 31, 2014	 	$17,500,000
	Thereafter	 	To be mutually determined between
Borrower and Bank based upon
Borrower’s board approved 2015
financial plan

 Actual: 
 Subscription and
Support
Revenue                                        
    $                 

                 No, not in compliance
                                         
                                         
                                         
 Yes, in compliance 
  

	III.	Adjusted Quick Ratio (For purposes of the Borrowing Base) 

 Required:
                Not less than 0.75:1.00 
  

			
	Actual:	  	
		
	 A.     Aggregate value of the unrestricted cash and cash equivalents of Borrower
	  	$                
		
	 B.     Aggregate value of the net billed accounts receivable of Borrower and its Subsidiaries
	  	$                
		
	 C.     Quick Assets (the sum of Line A plus Line B)
	  	$                
		
	 D.     Aggregate value of Obligations to Bank
	  	$                
		
	 E.     Aggregate value of liabilities that should, under GAAP, be classified as liabilities on Borrower’s
consolidated balance sheet, including all Indebtedness and not otherwise reflected in line D above that matures within one (1) year
	  	$                
		
	 F.      Current Liabilities (the sum of lines D and E)
	  	$                
		
	 G.     Advances outstanding under the Revolving Line (to the extent not already included in Current
Liabilities)
	  	$                

  
 5 

							
				
	H.	  	Aggregate value of all amounts received or invoiced by Borrower in advance of performance under contracts and not yet recognized as revenue	  	$	 	 
				
	 I.
	  	Line F plus Line G minus Line H	  	$	 	 
				
	J.	  	Adjusted Quick Ratio (line C divided by line I)	  	$	 	 

 Is line J equal to or greater than 0.75:1:00? 
  

	                  No, not in compliance 
	
                        
                                         
   Yes, in compliance 

  
 6

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