Garg Vishal

SEC source: 0001628280-25-038029 · wk-form4_1754437972.xml · nonDerivative · entry 1

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 9,500

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

SEC source: 0001628280-25-038029 · wk-form4_1754437972.xml · derivative · entry 5

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 38,000

Underlying: Class A Common Stock · 38,000 shares

Expires not disclosed

F1 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Class A Common Stock.

F2 · derivative.exercise_date: The restricted stock units will vest with respect to (i) 3/12ths of such restricted stock units on July 1, 2025, (ii) 8/12ths of such restricted stock units in equal monthly installments beginning on August 1, 2025 through March 1, 2026, and (iii) the remaining 1/12th of such restricted stock units on March 15, 2026.

F2 · derivative.expiration_date: The restricted stock units will vest with respect to (i) 3/12ths of such restricted stock units on July 1, 2025, (ii) 8/12ths of such restricted stock units in equal monthly installments beginning on August 1, 2025 through March 1, 2026, and (iii) the remaining 1/12th of such restricted stock units on March 15, 2026.

SEC source: 0001628280-24-040078 · wk-form4_1726059948.xml · derivative · entry 1

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 927,855

Underlying: Class A Common Stock · 6,000 shares

Expires not disclosed

F1 · derivative.exercise_price: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better's founder.

F1 · derivative.exercise_date: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better's founder.

F1 · derivative.expiration_date: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better's founder.

F2 · balance_after: On August 16, 2024, Better Home & Finance Holding Company effected a 1-for-50 reverse stock split of its common stock resulting in every 50 shares of common stock being converted into one share of common stock. Proportionate adjustments were made to the number of shares issuable under equity awards outstanding under the company's equity incentive plans as well as the exercise price, as applicable, of such equity awards.

SEC source: 0001628280-24-002391 · wk-form4_1706322485.xml · derivative · entry 1

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 46,692,779

Underlying: Class A Common Stock · 23,275,863 shares

Expires not disclosed

F1 · derivative.exercise_price: Each share of Class B Common Stock is convertible at any time at the option of the holder thereof into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of the founder of Better.

F1 · derivative.exercise_date: Each share of Class B Common Stock is convertible at any time at the option of the holder thereof into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of the founder of Better.

F1 · derivative.expiration_date: Each share of Class B Common Stock is convertible at any time at the option of the holder thereof into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of the founder of Better.

F2 · ownership.direct: On January 19, 2024, the Reporting Person transferred 23,275,863 shares of Class B Common Stock to The 718 4Ever Trust I as a bona fide gift for no consideration. The Reporting Person is the investment adviser of the trust, and members of the Reporting Person's immediate family are the sole beneficiaries of the trust. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by the trust. The Reporting Person disclaims beneficial ownership of these shares except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

SEC source: 0001628280-23-030571 · wk-form4_1692927663.xml · derivative · entry 5

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 12,226,282

Underlying: Class B Common Stock · 12,226,282 shares

Expires 2029-08-21

F8 · price: The Reporting Person received 12,226,282 options to purchase shares of Issuer's Class B Common Stock in exchange for 4,000,000 options to purchase shares of Better Holdco common stock in connection with the Merger Agreement.

F6 · derivative.exercise_date: The options are vested and currently exercisable.

SEC source: 0001628280-23-030571 · wk-form4_1692927663.xml · derivative · entry 4

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 6,113,141

Underlying: Class B Common Stock · 6,113,141 shares

Expires 2029-08-21

F7 · price: The Reporting Person received 6,113,141 options to purchase shares of Issuer's Class B Common Stock in exchange for 2,000,000 options to purchase shares of Better Holdco common stock in connection with the Merger Agreement.

F6 · derivative.exercise_date: The options are vested and currently exercisable.

SEC source: 0001628280-23-030571 · wk-form4_1692927663.xml · derivative · entry 3

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 6,113,141

Underlying: Class B Common Stock · 6,113,141 shares

Expires 2029-08-21

F7 · price: The Reporting Person received 6,113,141 options to purchase shares of Issuer's Class B Common Stock in exchange for 2,000,000 options to purchase shares of Better Holdco common stock in connection with the Merger Agreement.

F6 · derivative.exercise_date: The options are vested and currently exercisable.

SEC source: 0001628280-23-030571 · wk-form4_1692927663.xml · derivative · entry 2

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Indirect · By 1/0 Real Estate, LLC

Disclosed balance after: 6,522,761

Underlying: Class A Common Stock · 6,522,761 shares

Expires not disclosed

F1 · derivative.exercise_price: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better Holdco's founder.

F4 · kind: 1/0 Real Estate, LLC received 6,522,761shares of Class B Common Stock of the Issuer in exchange for 64,806 shares of Class B Common Stock and 2,069,207 shares of Series A Preferred Stock of Better Holdco pursuant to the Merger Agreement. Please see footnote 2 of this Form 4 for further details.

F4 · price: 1/0 Real Estate, LLC received 6,522,761shares of Class B Common Stock of the Issuer in exchange for 64,806 shares of Class B Common Stock and 2,069,207 shares of Series A Preferred Stock of Better Holdco pursuant to the Merger Agreement. Please see footnote 2 of this Form 4 for further details.

F1 · derivative.exercise_date: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better Holdco's founder.

F1 · derivative.expiration_date: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better Holdco's founder.

F5 · ownership.nature: The Reporting Person is the controlling member of 1/0 Holdco, LLC, which wholly owns 1/0 Real Estate, LLC. Therefore, the Reporting Person may be deemed to have voting power and dispositive power over the shares held by 1/0 Real Estate, LLC. The Reporting Person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or for any other purpose.

SEC source: 0001628280-23-030571 · wk-form4_1692927663.xml · derivative · entry 1

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 69,968,642

Underlying: Class A Common Stock · 69,968,642 shares

Expires not disclosed

F1 · derivative.exercise_price: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better Holdco's founder.

F2 · kind: The Reporting Person received 69,968,042 shares of Class B Common Stock of the Issuer in exchange for 21,178,851 shares of Class B Common Stock, 250,000 shares of Series B Preferred Stock and 1,462,373 shares of Series C Preferred Stock of Better Holdco, Inc. ("Better Holdco"), a Delaware corporation, pursuant to the Agreement and Plan of Merger, dated as of May 10, 2021, (as amended, the "Merger Agreement"), by and among Aurora Acquisition Corp, a Cayman Islands exempted company ("Aurora" and, following the Business Combination, the "Issuer"), Aurora Merger Sub I, Inc., a Delaware corporation and a direct wholly owned subsidiary of Aurora, and Better Holdco.

F3 · kind: Upon consummation of the business combination contemplated by the Merger Agreement (the "Business Combination"), as described on the Form S-4 (File No. 333-258423) filed by Aurora with the U.S. Securities and Exchange Commission and declared effective on July 27, 2023, the surviving entity of the Business Combination, the Issuer, was renamed "Better Home & Finance Holding Company".

F2 · price: The Reporting Person received 69,968,042 shares of Class B Common Stock of the Issuer in exchange for 21,178,851 shares of Class B Common Stock, 250,000 shares of Series B Preferred Stock and 1,462,373 shares of Series C Preferred Stock of Better Holdco, Inc. ("Better Holdco"), a Delaware corporation, pursuant to the Agreement and Plan of Merger, dated as of May 10, 2021, (as amended, the "Merger Agreement"), by and among Aurora Acquisition Corp, a Cayman Islands exempted company ("Aurora" and, following the Business Combination, the "Issuer"), Aurora Merger Sub I, Inc., a Delaware corporation and a direct wholly owned subsidiary of Aurora, and Better Holdco.

F3 · price: Upon consummation of the business combination contemplated by the Merger Agreement (the "Business Combination"), as described on the Form S-4 (File No. 333-258423) filed by Aurora with the U.S. Securities and Exchange Commission and declared effective on July 27, 2023, the surviving entity of the Business Combination, the Issuer, was renamed "Better Home & Finance Holding Company".

F1 · derivative.exercise_date: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better Holdco's founder.

F1 · derivative.expiration_date: Each share of Class B Common Stock is convertible at any time at the option of the Reporting Person into one share of Class A Common Stock and has no expiration date. Each share of Class B Common Stock will convert automatically into one share of Class A Common Stock in connection with: (i) any transfer, whether or not for value, except for certain permitted transfers described in the Issuer's amended and restated certificate of incorporation, (ii) such time as the aggregate number of shares of Class B Common Stock outstanding ceases to represent 5% of the aggregate number of shares of Common Stock outstanding, (iii) the vote of 85% of the holders of Class B Common Stock outstanding; and (iv) following the date of the death or permanent disability of Better Holdco's founder.

SEC source: 0001628280-24-015325 · wk-form4a_1712616751.xml · derivative · entry 1

Garg Vishal · CIK 0001297602 · Director · Chief Executive Officer · 10% owner

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 967,401

Underlying: Class B Common Stock · 967,401 shares

Expires 2029-08-21

F2 · price: This Form 4/A is being filed to correct the number of options beneficially owned by the Reporting Person following the reported transaction. The original Form 4, filed on August 24, 2023 (the "Original Form 4"), erroneously reported 6,113,141 options to purchase shares of Class B Common Stock of Issuer beneficially owned by the Reporting Person, which was based on the exchange for 2,000,000 options to purchase shares of common stock of Better Holdco, Inc. ("Better Holdco"), a Delaware corporation, pursuant to the Agreement and Plan of Merger, dated as of May 10, 2021, (as amended, the "Merger Agreement"), by and among Aurora Acquisition Corp, a Cayman Islands exempted company ("Aurora" and, following the business combination contemplated by the Merger Agreement, the "Issuer"), Aurora Merger Sub I, Inc., a Delaware corporation and a direct wholly owned subsidiary of Aurora, and Better Holdco.

F3 · price: (continued from footnote 2) Before the reported transactions, the Reporting Person voluntarily forfeited 1,683,501 options to purchase Better Holdco common stock on April 24, 2023, in connection with a Better Holdco employee retention program. Following the reported transaction, the Reporting Person beneficially owns 967,401 options to purchase Class B Common Stock of the Issuer. Other than as described in this footnote, there are no other changes from the Original Form 4, including the transactions triggering the Original Form 4.

F1 · derivative.exercise_date: The options are vested and currently exercisable.

F2 · balance_after: This Form 4/A is being filed to correct the number of options beneficially owned by the Reporting Person following the reported transaction. The original Form 4, filed on August 24, 2023 (the "Original Form 4"), erroneously reported 6,113,141 options to purchase shares of Class B Common Stock of Issuer beneficially owned by the Reporting Person, which was based on the exchange for 2,000,000 options to purchase shares of common stock of Better Holdco, Inc. ("Better Holdco"), a Delaware corporation, pursuant to the Agreement and Plan of Merger, dated as of May 10, 2021, (as amended, the "Merger Agreement"), by and among Aurora Acquisition Corp, a Cayman Islands exempted company ("Aurora" and, following the business combination contemplated by the Merger Agreement, the "Issuer"), Aurora Merger Sub I, Inc., a Delaware corporation and a direct wholly owned subsidiary of Aurora, and Better Holdco.

F3 · balance_after: (continued from footnote 2) Before the reported transactions, the Reporting Person voluntarily forfeited 1,683,501 options to purchase Better Holdco common stock on April 24, 2023, in connection with a Better Holdco employee retention program. Following the reported transaction, the Reporting Person beneficially owns 967,401 options to purchase Class B Common Stock of the Issuer. Other than as described in this footnote, there are no other changes from the Original Form 4, including the transactions triggering the Original Form 4.