Better Results Presentation Deck

Management with experience scaling to $100+ billion origination volume... Funded Loan Volume ($ billions) 10x origination volume growth 2019-2021 facilitated by technology $5 Better 2019 Total Market 0.2% Share ¹ $24 $57 2020 2021 0.5% 1.3% $11 2022 0.5% Prudently pulled back to manage profitability in tougher macro environment ...and expense discipline in tougher markets Total Expenses ($ millions) $1,481 2021 $1,254 2022 Demonstrated Growth & Discipline $1,110 $292 9M Ending 9M Ending 9/30/22 9/30/23 74% year-over-year Total Expense reduction 1. Funded Loan Volume in a period divided by total value of loans funded in the industry for the same period, as presented by FNMA. 2. Total Expenses in the nine months ending September 30, 2023 of $292 million ($389 million annualized). Total Expenses in the nine months ending September 30, 2022 of $1,110 million ($1,479 million annualized). Represents $1,090 million annualized Total Expenses reduction year-over-year between the comparison nine-month periods. Annualized values calculated by multiplying the nine month amounts by four-thirds to reach run-rate full year value. $1B+ annualized expense reduction 2 Expense discipline driven through key focus on narrowed product range suitable for higher-rate environment, increased automation, and sustained partnerships 10

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