Amendment No. 7 to the Credit Card Program Agreement by and between

(i)“Infrastructure Innovation Fund” has the meaning set forth in Section 3.7(a).

(ii)“Overlap Period” means, if Company delivers a timely Purchase Notice and Company exercises its right under clause (a) of Schedule 2.5 to permit the Nominated Purchaser to issue a Credit Card bearing the Company Licensed Mark or other mark using the Company name prior to the Program Purchase Date, the period commencing on the date the Nominated Purchaser commences issuing such Credit Card and ending on the earlier of (x) the Program Purchase Date; or (y) the expiration of the Purchase Option if the Nominated Purchaser fails to consummate the purchase of the Program Assets in accordance with the timeframes set forth in Section 15.2(c) of the Agreement.

(iii)“Overlap Plan” has the meaning set forth in clause (a) of Schedule 2.5.

(iv)“Platform Presentation” has the meaning set forth in Section 4.13(b).

(v)“Program Extension Enhancement Fund” has the meaning set forth in Section 3.7(b).

(vi)“Repayment Amount” has the meaning set forth in Schedule 8.4.

(vii)“Repayment Event” has the meaning set forth in Schedule 8.4.

(viii)“Servicing Platform” means a consumer credit card servicing platform that includes, at a minimum: (a) the ability to perform the Servicing functions performed by Company with respect to the Program as of January 1, 2025 and (b) the Servicing functions set forth in Schedule 4.13(b).

(ix)“Seventh Amendment” means that certain Amendment No. 7 to the Credit Card Program Agreement entered by Bank and Company with the Seventh Amendment Effective Date as of November 1, 2022.

(x)“Seventh Amendment Signing Date” has the meaning set forth in the Seventh Amendment.

(xi)“SOFR” means, with respect to each date of determination, the rate per annum equal to the secured overnight financing rate published by the Federal Reserve Bank of New York (or a successor administrator of the secured overnight financing rate) on the website of the Federal Reserve Bank of New York, currently at https://www.newyorkfed.org/markets/reference-rates/sofr (or any successor source for the secured overnight financing rate identified as such by the administrator of the secured overnight financing rate from time to time) with respect to each such date, and in each such case determined on a daily basis with respect to each day during which any overpayment or underpayment by any party of amounts owed under this Agreement remains outstanding and unremedied.

“Program Assets” means the Accounts (including Accounts written off and not sold prior to the Termination Date); all rights under the Account Documentation; the Cardholder List and Cardholder Data; all Cardholder Indebtedness (subject to Section 17.2), but, to the extent set forth in Section 15.2(d), excluding the Existing Receivables except to the extent otherwise provided in such Section; all BINs, unique Account identifiers and associated encryption keys relating to the Accounts, Account credentials (solely if such Account credentials are used solely to access Accounts and, if applicable, other products or services offered by or associated with Company, and not any other product or service offered by or through Bank, including any product or service of a third party offered through Bank), banking information for payments on Accounts, and Account settings (e.g., autopay, payment date); and all rights, claims, credits, causes of action and rights of set-off against third parties to the extent relating to the Accounts (in each case, whether held by Bank or another Person), but excluding any direct contract rights under agreements not being assigned to Company or its Nominated Purchaser. To the extent there is other technology or data reasonably necessary or actually employed to enable use of the BINs or unique Account identifiers or to minimize Cardholder disruption in connection with the transition of the Program to a Nominated Purchaser, the parties shall reasonably cooperate to include such technology or data in the

Program Assets, unless such inclusion would negatively impact Bank’s offering or support of its own products and services other than Accounts; provided that Bank shall make reasonable efforts to resolve such negative impact.

This Agreement shall continue in full force and effect from the Effective Date through September 26, 2026 (the “Initial Term”) unless earlier terminated as provided herein. The Agreement shall renew automatically without further action of the parties for successive two (2) year terms (each a “Renewal Term unless (a) Bank provides written notice of non-renewal at least eighteen (18) months or (b) Company provides written notice of non-renewal at least twelve (12) months, in each case, prior to the expiration of the Initial Term or current Renewal Term, as the case may be.

The parties shall make such payments to each other as set forth in Schedule 8.4.

The Executive Committee shall be responsible for (i) periodically reviewing the Program; (ii) setting and reviewing strategy for the Program; (iii) overseeing competitive positioning of the Program; (iv) reviewing fundamental changes in the operation of the Program; and (v) all other matters that the parties agree should be reviewed by the Executive Committee. Each party shall have the right to remove or replace its appointees for any reason and at any time, and to fill any vacancy with respect to its designees. All decisions of the Executive Committee shall be unanimous decisions of both Executive Committee members. Both members of the Executive Committee shall be present at each meeting thereof. The Executive Committee is under no obligation to meet, but shall meet (in person or via video or telephone conference) at the request of either party by delivery of at least five (5) Business Days prior notice to the other member of the Executive Committee, which notice shall specify the purpose for such meeting. At any Executive Committee meeting, the Operating Committee may be invited to attend a portion of the meeting to present on such matters as either party may request. Except to the extent expressly provided in this Agreement, the Executive Committee shall determine the manner in which meetings shall be called and all procedural matters relating to the conduct of meetings.

(d)Section 9.2(b) of the Agreement is deleted in its entirety and replaced with the following:

Termination of License. The licenses granted in Section 9.1 shall terminate on the Termination Date; provided that (i) if the

Purchase Option under Section 15.2 is exercised (and Company or its Nominated Purchaser thus owns the Program Assets) then such licenses shall continue for a six (6) month period following the Termination Date to the extent necessary for winding down the operation of the Program in a manner consistent with the terms of this Agreement and with past practice, including the right to continue to use Bank Licensed Marks on the credit card plastics during such sixth month period and (ii) if the Purchase Option is not exercised (and Bank thus continues to own the Program Assets), then such licenses shall extend until the end of the Interim Servicing Period solely to the extent necessary to permit the parties to exercise their respective rights and obligations under this Agreement, and otherwise clause (b) of Schedule 15.3 shall govern Bank’s use of the Company Licensed Marks. Upon such termination of these licenses, as provided in this Section 9.2(b), all rights of Company to use the Bank Licensed Marks and Bank to use Company Licensed Marks shall terminate (including all sublicenses granted pursuant to the terms of Section 9.1). Upon the termination of the licenses granted in Section 9.1, all previously licensed rights in the Company Licensed Marks and Bank Licensed Marks shall revert to Company and Bank, respectively, and Company and Bank shall: (A) discontinue immediately all use of the Bank Licensed Marks and Company Licensed Marks, or any of them, and any colorable imitation thereof; and (B) at Company’s or Bank’s option, delete the Bank Licensed Marks or Company Licensed Marks from or destroy all unused Account Documentation, materials, displays, advertising and sales literature and any other items bearing any of the Bank Licensed Marks or Company Licensed Marks. Notwithstanding anything herein, each party shall have the right at all times after the Termination Date to use the other party’s trademarks (i) in a non-trademark or “fair use” manner (provided that such use does not convey or suggest or is not reasonably likely to suggest that the parties are still participating in the Program) or as required to comply with Applicable Law; or (ii) on any archival legal documents, business correspondence and similar items that are not consumer-facing.

At all times during the Term, Company shall have the right to use BINs owned by Bank to process and settle transactions initiated with Debit Accounts; provided that no new Debit Accounts using such BINs shall be established (other than in connection with lost or stolen access devices) during the Term unless mutually agreed by the Parties. Company shall not sell or transfer the Debit Accounts without Bank’s prior written consent if the Debit Accounts will continue to use such BINs to process and settle such transactions following such sale or transfer. Subject to the Network Rules and any required consent or approval of the applicable Network, at Company’s cost and expense (unless such transfer occurs as part of the transfer of the Program Assets to the Nominated Purchaser), at Company’s request Bank will cooperate to transfer any and all right to such BINs to any Person selected by Company, provided that if Company fails to designate a transferee

and facilitate such transfer prior to the Termination Date, Bank may terminate such BINs as of or after the Termination Date, in its discretion.

(h)Within one hundred eighty (180) days after the Seventh Amendment Signing Date, the parties shall jointly review the Agreement for appropriate updates and work in good faith to make such updates as mutually agreed, including to the following Sections: Sections 2.5, 4.15, 4.16, 6.2 and Schedule 4.12(a), Schedule 4.15, Schedule 6.1(c)(i), and Schedule 6.2(b).

(i)The Agreement is amended by (i) deleting the definition of “LIBOR” in Section 1.1. of the Agreement and (ii) deleting each instance of “LIBOR or a substantially similar benchmark rate” in the Agreement and replacing each instance with “SOFR”.

(j)Schedules 1.1(a)(iii), 1.1(a)(iv), 3.2(b)(i) and 3.3(b) are deleted in their entirely and replaced with the applicable schedules set forth in Attachment J.