Coinbase One & Better Mortgage Offer – Terms and Conditions

Better Home & Finance Holding Company and its affiliates (“Better”), including Better Mortgage Corporation (“Better Mortgage”), are not affiliated with Coinbase, Inc. or its affiliates (“Coinbase”).

Mortgage products and promotional lender credits under this offer (the “Offer”) are provided exclusively by Better Mortgage. Coinbase is not a mortgage lender or mortgage broker and does not originate, underwrite, approve, fund, or service Better Mortgage loans.

This Offer is not a commitment to lend or a guarantee of loan approval. All loans are subject to credit approval, underwriting, product eligibility, and applicable law.

1. The Offer

Eligible Coinbase One members may receive a lender credit equal to 1% of the applicable qualifying loan amount, up to $10,000 in total per customer, when they successfully close an eligible loan with Better Mortgage.

The Offer applies to the following Better Mortgage products, subject to availability:

• Purchase mortgage loans;
• Refinance mortgage loans, including eligible cash-out refinances;
• Home equity loans (HELOANs);
• Home equity lines of credit (HELOCs); and
• Eligible loans made through Better Mortgage’s Token-Backed Mortgage Program.

You do not need to own cryptocurrency or participate in the Token-Backed Mortgage Program to qualify for the Offer on another eligible Better Mortgage product.

For a HELOC, the lender credit is calculated using the full amount of the approved credit line, not the amount initially drawn by the customer.

For customers participating in the Token-Backed Mortgage Program, the lender credit is equal to 1% of the principal balance of the eligible Downpayment Loan plus 1% of the principal balance of the eligible Token-Backed Mortgage Loan, subject to the $10,000 total cap.

2. How to Qualify

To qualify for the Offer, you must:

1. Be an active and eligible Coinbase One member when you apply;
2. Start a new Better Mortgage application through the designated link on Coinbase’s website or Coinbase offer page;
3. Verify your Coinbase One membership before you lock your interest rate;
4. Maintain an active and eligible Coinbase One membership through closing;
5. Meet Better Mortgage’s applicable credit, underwriting, product, property, and other eligibility requirements; and
6. Successfully close the eligible loan with Better Mortgage.

Coinbase One membership does not guarantee loan approval or eligibility for the Offer.

3. New Applications Only

The Offer is available only for new Better Mortgage applications started through the designated Coinbase link.

The Offer does not apply to:

• Applications already in progress with Better Mortgage before using the Coinbase link;
• Applications started through Better Mortgage directly or through another partner, referral source, website, or application channel;
• Loans that were already rate locked before Coinbase One membership was verified; or
• Loans that have already closed.

The Offer cannot be added retroactively to an existing application or completed loan. Restarting, reopening, or transferring an existing application does not make it eligible for the Offer.

4. Coinbase One Membership

Your Coinbase One membership must be successfully verified before you lock your interest rate and must remain active and eligible through closing.

Better Mortgage and/or Coinbase may verify your Coinbase One membership before rate lock and again before closing.

If your Coinbase One membership cannot be verified before rate lock, or if your membership ends before closing, you will not receive the Offer.

Losing eligibility for the Offer does not, by itself, cancel your mortgage application or rate lock. It means you will no longer receive the promotional lender credit.

5. Lender Credit

The lender credit equals 1% of the qualifying loan amount, up to a maximum of $10,000 in total per customer.

For purposes of calculating the Offer:

• For a purchase, refinance, or HELOAN, the qualifying loan amount is the full principal amount of the loan at closing;
• For a HELOC, the qualifying loan amount is the full approved credit line at closing, regardless of the amount initially drawn; and
• For the Token-Backed Mortgage Program, the qualifying loan amount includes the principal balance of the eligible Downpayment Loan and the principal balance of the eligible Token-Backed Mortgage Loan.

The lender credit will be applied at closing toward eligible closing costs, subject to applicable law and loan-program requirements.

The lender credit:

• Cannot exceed the amount of eligible closing costs;
• Has no cash value;
• Is not refundable or transferable; and
• Cannot be applied to another loan or transaction.

If your loan does not close, you will not receive the lender credit.

6. Token-Backed Mortgage Program

This section applies only to customers participating in Better Mortgage’s Token-Backed Mortgage Program.

The Token-Backed Mortgage Program allows qualified customers to pledge certain eligible digital assets and a subordinate lien in residential real estate as collateral for financing used toward a downpayment in connection with an eligible Better Mortgage purchase loan.

Participation is subject to the separate Token-Backed Mortgage Program Terms and Conditions, including applicable underwriting and collateral requirements.

Digital assets may experience significant price volatility. The lender credit does not reduce collateral requirements, protect against liquidation or loss of pledged assets, or otherwise reduce the risks of pledging digital assets.

7. Other Restrictions

The Offer may not be combined with another Better Mortgage promotional offer, discount, or lender-credit promotion unless Better Mortgage expressly allows it.

Providing false, fraudulent, or misleading information in an attempt to qualify for the Offer may result in disqualification.

Not all applicants will qualify for a loan, the Offer, or the maximum $10,000 lender credit. Products and the Offer may not be available in all states.

8. Rates and Loan Terms

Participation in the Offer does not guarantee any particular interest rate, annual percentage rate, loan amount, or other loan terms.

Rates, loan terms, product availability, and eligibility requirements are subject to change. The lender credit does not necessarily reduce the overall cost of borrowing.

9. Changes to the Offer

Better Mortgage may modify, suspend, or discontinue the Offer at any time, subject to applicable law.

10. General Disclosures

Better Mortgage does not provide tax, accounting, legal, investment, or financial advice. Customers should consult their own advisors regarding their individual circumstances.

Better Mortgage Corporation is an Equal Housing Lender.

Better Mortgage Corporation, NMLS #330511

www.nmlsconsumeraccess.org

Mortgage rates, terms, products, and conditions are subject to change and state restrictions.