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EXHIBIT 10.10

SECOND AMENDMENT TO
AMENDED AND RESTATED CREDIT AGREEMENT

This Second Amendment to Amended and Restated Credit Agreement (this “Amendment”) dated and effective as of March 15, 2022 (the “Second Amendment Effective Date”) by and among NERDWALLET, INC., a Delaware corporation (“NerdWallet”), NERDWALLET COMPARE, INC., a Delaware corporation (“NW Compare” and together with NerdWallet, individually and collectively as the context requires, jointly and severally, the “Borrower”), the several banks and other financial institutions or entities party hereto (the “Lenders”) and SILICON VALLEY BANK (“SVB”), as the Administrative Agent (SVB, in such capacity, the “Administrative Agent”), and as the Issuing Lender and the Swingline Lender.

W I T N E S S E T H:

WHEREAS, the Borrower, the Administrative Agent, the Issuing Lender and the Swingline Lender are parties to that certain Amended and Restated Credit Agreement dated as of February 19, 2021 as amended by First Amendment to Amended and Restated Credit Agreement dated as of May 19, 2021 (as further amended, modified, supplemented or restated and in effect from time to time, the “Credit Agreement”); and

WHEREAS, the Borrower has requested that the Lenders and the Administrative Agent agree to modify and amend certain terms and conditions of the Credit Agreement, subject to the terms and conditions contained herein.

NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:

1.Capitalized Terms. All capitalized terms used herein and not otherwise defined shall have the same meaning herein as in the Credit Agreement or in the other Loan Documents, as applicable.

2.Amendments to the Credit Agreement.

(a)The definition of “Immaterial Subsidiary” in Section 1.1 of the Credit Agreement is hereby amended by deleting “Section 6.1(b)” each time that it appears therein and inserting “Section 6.1(c)” in lieu thereof.

EXHIBIT 10.14

(b)Section 6.1(c) of the Credit Agreement is hereby amended by deleting the first sentence thereof and substituting the following sentence in lieu thereof:

“(c) from and after a Qualified IPO of NerdWallet’s common stock, as soon as available, but in any event within 45 days after the end of each of the first three fiscal quarters of each fiscal year of NerdWallet, the unaudited consolidated and consolidating balance sheet of NerdWallet and its consolidated Subsidiaries as at the end of such fiscal quarter and the related unaudited consolidated and consolidating statements of income and of cash flows for such fiscal quarter and the portion of the fiscal year through the end of such quarter, setting forth in each case in comparative form the figures for the previous year, certified by a Responsible Officer as being fairly stated in all material respects.”

(c)Section 6.2(a) of the Credit Agreement is hereby amended and restated in its entirety to read as follows:
“(a) [reserved].”

3.Conditions Precedent to Effectiveness. This Amendment shall not be effective until each of the following conditions precedent have been fulfilled to the satisfaction of the Administrative Agent:

(a)This Amendment shall have been duly executed and delivered by the respective parties hereto. The Administrative Agent shall have received a fully executed copy of this Amendment.

(b)All necessary consents and approvals to this Amendment shall have been obtained.

(c)Immediately, after giving effect to this Amendment, no Default or Event of Default shall have occurred and be continuing.

(d)Immediately after giving effect to this Amendment, the representations and warranties set forth in this Amendment, the Credit Agreement, as amended by this Amendment, and after giving effect hereto, and the other Loan Documents to which it is a party (i) that is qualified by materiality shall be true and correct, and (ii) that is not qualified by materiality, shall be true and correct in all material respects, in each case, on and as of such date as if made on and as of such date, except to the extent any such representation and warranty expressly relates to an earlier date, in which case such representation and warranty shall have been true and correct in all material respects (or all respects, as applicable) as of such earlier date.

EXHIBIT 10.14

(e)The Lenders and the Administrative Agent shall have received all fees required to be paid, and all expenses for which invoices have been presented (including the reasonable fees and expenses of legal counsel required to be paid hereunder or under any other Loan Document), on or before the Second Amendment Effective Date.

4.Representations and Warranties. Each Loan Party hereby represents and warrants to the Administrative Agent and the Lenders as follows:

(a)This Amendment is, and each other Loan Document to which it is or will be a party, when executed and delivered by each Loan Party that is a party thereto, will be the legally valid and binding obligation of such Loan Party, enforceable against such Loan Party in accordance with its respective terms, except as enforcement may be limited by equitable principles or by bankruptcy, insolvency, reorganization, moratorium or similar laws relating to or limiting creditors’ rights generally.

(b)Immediately after giving effect to this Amendment, the representations and warranties set forth in this Amendment, the Credit Agreement, as amended by this Amendment and after giving effect hereto, and the other Loan Documents to which it is a party (i) that is qualified by materiality shall be true and correct, and (ii) that is not qualified by materiality, shall be true and correct in all material respects, in each case, on and as of such date as if made on and as of such date, except to the extent any such representation and warranty expressly relates to an earlier date, in which case such representation and warranty shall have been true and correct in all material respects (or all respects, as applicable) as of such earlier date.

5.Payment of Costs and Fees. The Borrower shall pay to the Administrative Agent all reasonable costs, out-of-pocket expenses, and fees and charges of every kind in connection with the preparation, negotiation, execution and delivery of this Amendment and any documents and instruments relating hereto (which costs include, without limitation, the reasonable fees and expenses of any attorneys retained by the Administrative Agent) to the extent provided in Section 10.5 of the Credit Agreement. All such fees and expenses payable hereunder will be paid in immediately available funds and shall not be subject to reduction by way of setoff or counterclaim.

6.Choice of Law. This Amendment and the rights of the parties hereunder, shall be determined under, governed by, and construed in accordance with the laws of the New York. Section 10.14 of the Credit Agreement is hereby incorporated by reference.

EXHIBIT 10.14

7.Counterpart Execution. This Amendment may be executed in any number of counterparts, all of which when taken together shall constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. Delivery of an executed counterpart of this Amendment by telefacsimile or other electronic method of transmission shall be equally as effective as delivery of an original executed counterpart of this Amendment.

8.Effect on Loan Documents.

(a)The Credit Agreement, as amended hereby, and each of the other Loan Documents shall be and remain in full force and effect in accordance with their respective terms and hereby are ratified and confirmed in all respects. The execution, delivery, and performance of this Amendment shall not operate as a modification or waiver of any right, power, or remedy of the Administrative Agent or any Lender under the Credit Agreement or any other Loan Document except as expressly set forth herein. The modifications and other agreements herein are limited to the specifics hereof (including facts or occurrences on which the same are based), shall not apply with respect to any facts or occurrences other than those on which the same are based, shall not excuse any non-compliance with the Loan Documents, and shall not operate as a consent or waiver to any matter under the Loan Documents. Except for the amendments to the Credit Agreement expressly set forth herein, the Credit Agreement and other Loan Documents shall remain unchanged and in full force and effect. To the extent any terms or provisions of this Amendment conflict with those of the Credit Agreement or other Loan Documents, the terms and provisions of this Amendment shall control.

(b)To the extent that any terms and conditions in any of the Loan Documents shall contradict or be in conflict with any terms or conditions of the Credit Agreement, after giving effect to this Amendment, such terms and conditions are hereby deemed modified or amended accordingly to reflect the terms and conditions of the Credit Agreement as modified or amended hereby.

(c)This Amendment is a Loan Document.

9.Entire Agreement. This Amendment, and terms and provisions hereof, the Credit Agreement and the other Loan Documents constitute the entire understanding and agreement between the parties hereto with respect to the subject matter hereof and supersedes any and all prior or contemporaneous amendments or understandings with respect to the subject matter hereof, whether express or implied, oral or written.

EXHIBIT 10.14

10.Severability. In case any provision in this Amendment shall be invalid, illegal or unenforceable, such provision shall be severable from the remainder of this Amendment and the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.

[Signature pages follow]

EXHIBIT 10.14

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed and delivered by their proper and duly authorized officers as of the day and year first above written.

BORROWER:

NERDWALLET, INC.
By: /s/ Tim Chen                                       
Name: Tim Chen
Title: Chief Executive Officer

NERDWALLET COMPARE, INC.
By: /s/ Tim Chen                                       
Name: Tim Chen
Title: Chief Executive Officer

ADMINISTRATIVE AGENT AND 
LENDER:

SILICON VALLEY BANK
By:  /s/ Natalie Perez                                 
Name: Natalie Perez
Title: Vice President

LENDER:

JPMORGAN CHASE BANK, N.A.
By:  /s/ Daniel J. Maniaci                           
Name: Daniel J. Maniaci
Title: Executive Director

LENDER:

HSBC BANK USA, NATIONAL
ASSOCIATION
By:  /s/ Aislin O’Connor                           
Name: Aislin O’Connor
Title: Vice President

EXHIBIT 10.14

CONSENT AND REAFFIRMATION

The Guarantor hereby (i) acknowledges receipt of a copy of the foregoing Second Amendment to Amended and Restated Credit Agreement (the “Second Amendment”; capitalized terms used but not otherwise defined herein shall have the meanings ascribed to such terms in the Credit Agreement as amended by the Second Amendment); (ii) consents to Borrower’s execution and delivery of the Second Amendment; (iii) affirms that nothing contained in the Second Amendment shall modify in any respect whatsoever any Loan Document to which it is a party except as expressly set forth therein; and (iv) ratifies, affirms, acknowledges and agrees that each of the Loan Documents to which the Guarantor is a party represents the valid, enforceable and collectible obligations of the Guarantor. The Guarantor hereby agrees that the Second Amendment in no way acts as a release or relinquishment of the Liens and rights securing payments of the Obligations. The guarantee, Liens and rights securing payment of the Obligations (including as amended by the Second Amendment) are hereby ratified and confirmed by the Guarantor in all respects. Although the Guarantor has been informed of the matters set forth herein and has acknowledged and agreed to same, the Guarantor understands that neither the Administrative Agent nor any Lender has any obligation to inform the Guarantor of such matters in the future or to seek the Guarantor's acknowledgment or agreement to future amendments, waivers or consents, and nothing herein shall create such a duty.

EXHIBIT 10.14

FUNDERA, INC.
By: /s/ Jared Hecht                                     
Name: Jared Hecht
Title: CEODocument

Exhibit 10.24

875 Stevenson Street, 5th Floor, San Francisco, CA 94103

July 5, 2018

Kelly Gillease
[***]
Re: Offer of Employment with NerdWallet, Inc.

Dear Kelly Gillease:

On behalf of NerdWallet, Inc. (“the Company”), we are pleased to offer you full-time employment in the position of Vice President, Marketing. The terms of your offer are as follows:

1.Compensation.

a.Salary. You will receive an annual salary of $410,000.00 less applicable withholdings and deductions required by law, which will be paid semi-monthly in accordance with the Company’s normal payroll procedures.

2.Equity. At the first meeting of the Company’s Board of Directors following your start date, the Company will recommend that you be granted an option to purchase 560,000 shares of the Company’s Common Stock at a price per share equal to the fair market value per share of the Common Stock on the date of grant, as determined by the Company’s Board of Directors. Twenty-five percent of the shares subject to the option shall vest twelve months after the date your employment begins, subject to your continuing employment with the Company, and no shares shall vest before such date. The remaining shares shall vest monthly over the next thirty-six (36) months in equal monthly amounts subject to your continuing employment with the Company. This option grant shall be subject to the terms and conditions of the Company’s Equity Incentive Plan and Stock Option Agreement, including vesting requirements. No right to any stock is earned or accrued until such time that vesting occurs, nor does the grant confer any right to continue vesting or employment.

3.Benefits. You and your family will also be eligible to participate in NerdWallet’s standard employee benefits plans as they are provided to employees to the extent that you meet the eligibility criteria of the benefit plans.

4.Confidentiality. As an employee of NerdWallet, you will have access to certain confidential Company information and you may, during the course of your employment, develop information or inventions that will be NerdWallet property. As a condition of your employment, you are also required to sign and comply with the “Confidential Information, Invention Assignment” which requires, among other provisions,
NerdWallet |  875 Stevenson Street, 5th Floor, San Francisco, CA 94103 | nerdwallet.com

the assignment of patent rights to any invention made during your employment at the Company, and non-disclosure of Company proprietary information. We also ask, if you have not already done so, that you disclose to the Company any and all agreements relating to your prior employment that may affect your eligibility to be employed by the Company or limit the manner in which you may be employed. It is the Company’s understanding that any such agreements will not prevent you from performing the duties of your position and you represent that such is the case. Similarly, you agree not to bring any third party confidential information to the Company, including that of your former employer, and that in performing your duties for the Company you will not in any way utilize any such information.

5.Duty Not to Compete. You agree that, during the term of your employment with the Company, you will not engage in any other employment, occupation, consulting, or other business activity directly related to the business in which NerdWallet is now involved or becomes involved during the term of your employment. Nor will you engage in any other activities that conflict with your obligations to the Company. You will disclose to NerdWallet in writing any other employment, business, or activity that you are currently associated with or participate in that competes with NerdWallet. During the period in which you render services to NerdWallet, you will not assist any other person or organization in competing with NerdWallet or in preparing to engage in competition with the business or proposed business of NerdWallet.

6.At-Will Employment. Should you decide to accept our offer of employment, then you will be an at-will employee of NerdWallet, which means that the employment relationship can be terminated by either you or the Company for any reason, at any time, with or without prior notice or cause. You should regard as ineffective any statements or representations to the contrary, including any statements contradicting any provision in this offer of employment. Furthermore, your participation in any equity or benefit program should not be regarded as assurance of continuing employment for any period of time. Any modification or change in your at-will employment status may only occur by written agreement signed by you and NerdWallet’s Chief Executive Officer.

7.Valid Work Authorization. You will be required to provide to the Company within three (3) business days of starting employment with NerdWallet to present documentation of your identity and authorization to work in the United States or our employment relationship with you may be terminated.

8.Background Check. The Company reserves the right to conduct background investigations and/or reference checks on all of its potential employees. This offer, therefore, is contingent upon a clearance of such a background investigation and/or reference check, if any and can be rescinded based upon information received through this verification.

9.Arbitration. In the event of any dispute or claim relating to or arising out of our employment relationship, you and the Company agree that (i) any and all disputes between

you and the Company shall be fully and finally resolved by binding arbitration, (ii) you are waiving any and all rights to a jury trial but all court remedies will be available in arbitration, (iii) all disputes shall be resolved by a neutral arbitrator who shall issue a written opinion, (iv) the arbitration shall provide for adequate discovery, and (v) the Company shall pay all the arbitration fees, except an amount equal to the filing fees you would have paid had you filed a complaint in a court of law. Please note that we must receive your signed Agreement before your first day of employment.

As a Company employee, you will be expected to abide by the Company’s rules and standards. Specifically, you will be required to sign an acknowledgment that you have read and that you understand the Company’s rules of conduct which are included in the Company Handbook, which the Company will soon complete and distribute.

To accept the Company’s offer, please sign and date this letter in the space provided below. If you accept our offer, your first day of employment will be August 20, 2018. This letter, along with any agreements relating to proprietary rights between you and the Company, set forth the terms of your employment with the Company and supersede any prior representations or agreements including, but not limited to, any representations made during your recruitment, interviews or pre employment negotiations, whether written or oral. This letter, including, but not limited to, its at-will employment provision, may not be modified or amended except by a written agreement signed by both you and NerdWallet’s Chief Executive Officer. This offer of employment will terminate if it is not accepted, signed and returned by July 11, 2018

We look forward to your favorable reply and to working with you at NerdWallet.

												
			Sincerely,	
				
			NerdWallet, Inc.	
				
			/s/ Tim Chen	
			Tim Chen	
			Chief Executive Officer	

I have read and understand this offer of employment and hereby acknowledge, accept, and agree to the terms set forth above and further acknowledge that no other commitments were made to me as part of employment offer except as specifically set forth here in.

									
	/s/ Kelly Gillease		7/6/2018
	Kelly Gillease

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