Vote the GREEN Consent Card | BETR Shareholders

Tell the campaign you held shares on 21 August 2026.

Sixty seconds. It lets the campaign confirm you have received a GREEN card, send you one if you have not, and follow up if you have a question.

Registering here is not your consent. Your consent is the GREEN card you sign, date and return. This form only tells the campaign team that you held shares on the record date.

Prefer to text? Send your name, number of shares and broker to +1 (866) BETR-GRN, that is +1 (866) 238-7476, and the campaign team will follow up.

Step by step

How to sign your GREEN card

This takes about two minutes. If you do nothing, nothing changes.

Your card is GREEN

It arrives by post or courier, including UPS, from the Garg Group, the shareholders bringing this consent. It is the card that removes the five directors. The board will send a WHITE card that does the opposite.

If you hold shares in your own name, the Garg Group sends you a GREEN consent card directly. If you hold through a broker, your broker sends you a GREEN consent voting instruction form instead. The form shown below is the second of the two.

The GREEN Consent Voting Instruction Form, showing the consent, against consent and abstain columns for each proposal. — Personal details and the control number printed on a real card have been removed from this image. Your own card will carry your name, address and a control number where the grey blocks appear.

What is printed on the form. It is valid only when signed and dated, it asks you to use blue or black ink, and it asks you to return only the bottom portion, below the line marked Detach Here. It also states that if no box is marked for a proposal, the holder is deemed to consent to that proposal.

Those words are taken from the form shown above. The instructions printed on your own card govern.

Find the GREEN cardCheck post and courier deliveries from the last few days, including UPS. It was sent to shareholders from 27 August.
Mark the boxesIf you hold in your own name, mark CONSENT for both proposals. To keep one particular director, the consent statement says to write that director’s name on the card; otherwise a single consent box carries all five removals. Source: definitive consent statement If you hold through a broker, your form instead lists the five directors as separate rows, 2a to 2e, each with consent, against consent and abstain, so mark each one. Source: the GREEN consent voting instruction form
Sign and date itAn unsigned or undated card cannot be counted. The form asks you to use blue or black ink.
Post it backDetach and return only the bottom portion of the form, below the line marked Detach Here. Return it in the envelope provided with the card. No postage is required if you post it inside the United States. If your envelope is missing, or you are posting from outside the US, call Okapi Partners on (877) 629-6357 rather than guessing the address.

Holding through a broker?

Most people hold shares through a broker rather than directly. How your voting instructions reach you depends on your firm, and at most firms they arrive in the post rather than by email.

About these instructions. The entries for Fidelity Investments, Charles Schwab, Vanguard, E*TRADE and Morgan Stanley, Merrill Edge and Merrill Lynch, and J.P. Morgan and Chase follow guidance given on 17 September 2026 by Okapi Partners, the Garg Group’s consent solicitor: among the large brokerage firms, only Robinhood and Interactive Brokers offer electronic voting in this solicitation, and holders at the other large firms will receive their voting instructions from their broker by mail. That guidance describes how the instructions reach you. The form that then arrives carries a control number and, on its face, offers both return by post and online voting at www.ProxyVote.com. The Robinhood and Interactive Brokers entries describe the electronic route, which Okapi Partners confirms is generally accurate.

The remaining detail in this section, including the search terms, the sender addresses and the in-account navigation paths, was compiled from general research and has not been reviewed by Okapi Partners. Brokerage procedures vary by firm and can change, and that wording describes what is most likely rather than what is certain.

The definitive consent statement filed with the SEC governs. If anything below does not match what you see in your account, follow your broker's own instructions or contact Okapi Partners using the details at the end of this section.

Fidelity Investments

Most likely method. By mail. Okapi Partners advises that holders at Fidelity will receive voting instructions from their broker in the post, rather than through an electronic voting link.

Watch your post. Look for an envelope from Fidelity or its mailing agent carrying a GREEN consent card or voting instruction form for Better Home & Finance Holding Company (NASDAQ: BETR). It can arrive alongside routine account mail, so open anything that looks like shareholder material.

What to do. The form carries a control number. You can complete the GREEN card, sign and date it and return it by post, or use that control number to vote online at www.ProxyVote.com. The instructions printed on your card govern over anything on this page.

Charles Schwab

Most likely method. By mail. Okapi Partners advises that holders at Schwab will receive voting instructions from their broker in the post, rather than through an electronic voting link.

Watch your post. Look for an envelope from Schwab or its mailing agent carrying a GREEN consent card or voting instruction form for Better Home & Finance Holding Company (NASDAQ: BETR). It can arrive alongside routine account mail, so open anything that looks like shareholder material.

Vanguard Brokerage Services

Most likely method. By mail. Okapi Partners advises that holders at Vanguard will receive voting instructions from their broker in the post, rather than through an electronic voting link.

Watch your post. Look for an envelope from Vanguard or its mailing agent carrying a GREEN consent card or voting instruction form for Better Home & Finance Holding Company (NASDAQ: BETR). It can arrive alongside routine account mail, so open anything that looks like shareholder material.

E*TRADE and Morgan Stanley

Most likely method. By mail. Okapi Partners advises that holders at E*TRADE and Morgan Stanley will receive voting instructions from their broker in the post, rather than through an electronic voting link.

Watch your post. Look for an envelope from Morgan Stanley, E*TRADE or their mailing agent carrying a GREEN consent card or voting instruction form for Better Home & Finance Holding Company (NASDAQ: BETR). It can arrive alongside routine account mail, so open anything that looks like shareholder material.

Merrill Edge and Merrill Lynch

Most likely method. By mail. Okapi Partners advises that holders at Merrill Edge and Merrill Lynch will receive voting instructions from their broker in the post, rather than through an electronic voting link.

Watch your post. Look for an envelope from Merrill or its mailing agent carrying a GREEN consent card or voting instruction form for Better Home & Finance Holding Company (NASDAQ: BETR). It can arrive alongside routine account mail, so open anything that looks like shareholder material.

J.P. Morgan and Chase

Most likely method. By mail. Okapi Partners advises that holders at J.P. Morgan and Chase will receive voting instructions from their broker in the post, rather than through an electronic voting link.

Watch your post. Look for an envelope from J.P. Morgan, Chase or their mailing agent carrying a GREEN consent card or voting instruction form for Better Home & Finance Holding Company (NASDAQ: BETR). It can arrive alongside routine account mail, so open anything that looks like shareholder material.

Interactive Brokers

Electronic voting is available. Okapi Partners confirms that Interactive Brokers is one of only two large brokerage firms offering electronic voting in this solicitation, and that the steps below are generally accurate. Expect an electronic notice directing you to ProxyPush.

Email. Search the email account associated with your Interactive Brokers account, including spam and junk folders, for “BETR,” “Better Home,” “ProxyPush,” “proxy,” “consent” or “vote.” Possible sender: interactivebrokers@proxydocs.com. Holders may be directed to ProxyPush and asked to enter the control number provided with their materials.

Robinhood

Electronic voting is available. Okapi Partners confirms that Robinhood is one of only two large brokerage firms offering electronic voting in this solicitation, and that the steps below are generally accurate. Expect an email carrying a direct electronic voting link.

Email. Search the email account associated with your Robinhood account, including spam and junk folders, for “BETR,” “Better Home,” “proxy,” “consent” or “vote.” Expected sender: noreply@robinhood.com. Robinhood uses Say Technologies to host electronic shareholder voting and related materials.

All other brokers

Check your post first. Okapi Partners advises that at most firms your voting instructions arrive by mail rather than by email. If your broker is not listed above, look for a GREEN consent card or voting instruction form in the post. It carries a control number, so you can return it by post or vote online at www.ProxyVote.com.

Okapi Partners also identifies AXOS Clearing, StoneX Group, Webull, Trading 212, Moomoo and INDMoney as firms offering electronic voting in this solicitation. If you hold through one of those, or if nothing arrives in the post, search your email and your account documents for the terms listed below and look for your control number. If you still cannot find anything, use the steps below or contact Okapi Partners.

Still cannot find your GREEN consent materials?

If you cannot find the solicitation using the instructions above, do not assume you are ineligible. The materials may have been delivered another way.

Check your physical mail. Your broker or its mailing agent may have mailed you a GREEN consent card or voting instruction form. Okapi Partners advises that this is how voting instructions reach holders at most large brokerage firms. The form carries a control number, so you can return it by post or vote online at www.ProxyVote.com. The instructions printed on your own card govern.
Search your email thoroughly. Search for “BETR,” “Better Home,” “Garg,” “ProxyVote,” “ProxyPush,” “proxy,” “consent,” “shareholder” and “vote.” Check spam, junk, promotions and other filtered folders.
Check your brokerage account. Look for areas labelled Proxy Materials, Proxy Events, Documents, Messages, Corporate Actions or Shareholder Materials. The terminology varies by firm.
Look for a control number and follow the instructions accompanying it. Many brokers using Broadridge direct holders to ProxyVote. Interactive Brokers holders may instead be directed to ProxyPush.
Contact your broker and say: “I held Better Home & Finance Holding Company (NASDAQ: BETR) shares on the August 21, 2026 record date. I need the voting instructions or control number for the Garg Group’s GREEN written-consent solicitation.”

Held BETR through more than one account?

If you held BETR through more than one brokerage account, you may receive a separate email, voting instruction form or control number for each one. Check each account separately and submit instructions for each account in which you held eligible shares. Before submitting, confirm you are acting on the Garg Group’s GREEN written-consent solicitation.

Still stuck? The Garg Group’s consent solicitor can help. Okapi Partners LLC, toll free (877) 629-6357, info@okapipartners.com.

Read this before you act

You may also receive a WHITE card. It cancels your GREEN one.

The two cards do opposite things

Better's board is mailing shareholders a WHITE consent revocation card. Returning the WHITE card cancels out a GREEN card you have already sent.

If you have already returned a WHITE card and want to change your mind, you can still sign and return a GREEN card afterward. Only your latest dated card is counted. Both sides state this in their own filings: the consent statement says "only your latest dated consent card will be counted", and the company's own revocation statement says a WHITE card "may be revoked by delivering a later dated signed GREEN consent card". If you are in this position, Okapi Partners can walk you through it on (877) 629-6357.

If you support keeping the current board, you do not need to do anything at all. Not returning a GREEN card has the same effect as opposing it.

The facts

What this consent actually does

Stated plainly, because the details matter and are easy to get wrong.

Every fact in this table is taken from the definitive consent statement filed with the Securities and Exchange Commission on 27 August 2026, accession number 0000921895-26-002348, except the three marked otherwise.

What it does: Two proposals. It removes five directors from the board, and it repeals bylaw provisions adopted since 22 August 2023.
Which directors: Daniel Lewis, Arnaud Massenet, Bhaskar Menon, Prabhu Narasimhan, Harit Talwar
The bylaw proposal: The GREEN card also asks holders to repeal any provision of the company’s bylaws, including any amendment to them, in effect when the proposal becomes effective that was not in the bylaws filed with the Securities and Exchange Commission on 22 August 2023. The card states that the two proposals are not conditioned upon one another. As printed on the GREEN consent voting instruction form.
What it does not do: It appoints nobody. The proposal removes the five named directors and any person seated on or after 17 August 2026 to fill a vacancy, and the participants say the company needs to conduct a search for a long-term chief executive.
Who can act: Holders of record as of 21 August 2026
Your card: GREEN
The board's card: WHITE, a consent revocation card. Source: the company's own consent revocation statement, accession number 0001140361-26-034776, filed 28 August 2026
Who is asking: Vishal Garg, 1/0 Real Estate LLC, 1/0 Holdco LLC and The 718 4Ever Trust I, together holding about 11.5% of voting stock

Target date

2 October 2026. Updated by the participants on 17 September 2026, superseding the 18 September target they announced in their press release of 8 September 2026, filed with the SEC as additional soliciting material, accession number 0000921895-26-002515. The outer limit under Delaware law is unchanged at 20 October 2026

Statutory backstop

20 October 2026, being 60 days from the 21 August record date

Both dates are the participants' own. The consent statement set 8 September as the goal; on 8 September the participants announced that they "set September 18, 2026 as an updated target date for the submission of written consents", so that holders who had only just received their materials had time to review them. The participants moved that target again on 17 September 2026, to 2 October 2026. The 20 October date is the outer limit set by Section 228(c) of the Delaware General Corporation Law.

If a later date is printed on your own card or voting instruction form, that is the deadline for processing it, not the campaign’s target; do not wait for it, because the Garg Group is asking for consents back by 2 October.

The candidates

The three directors the Garg Group has recruited

On 18 September 2026 the participants named three independent director candidates. Every point below is taken from that release.

Bing GordonPartner and Chief Product Officer at Kleiner Perkins, a leading venture capital firm, for over 25 years. Former senior product advisor to Jeff Bezos and director on the Amazon (Nasdaq: AMZN) board from 2003 to January 2018. Co-founder and former Chief Creative Officer of Electronic Arts (formerly Nasdaq: EA). Current director on the boards of Duolingo (Nasdaq: DUOL) and Take-Two Interactive (Nasdaq: TTWO). Bottom line: Bing would bring essential product, platform building and consumer technology executive leadership and governance expertise to the Board. Source: participants’ press release of 18 September 2026
David HeidecornCurrent Senior Advisor to L Catterton, following over two decades as Partner and Chief Risk Officer. Former EVP & CFO of Alarmguard Holdings, Inc. (formerly AMEX: AGD). Previous experience leading restructuring group at GE Capital. Bottom line: David would bring critical financial oversight, risk management and investment perspective to the Board. Source: participants’ press release of 18 September 2026
Steve SarracinoFounder and Partner of Activant Capital, a growth-investment firm focused on technology-enabled businesses with approximately $1.5 billion in AUM and which is one of Better's largest investors. Former director on the Better Board from 2019 to 2024, including as Chair of the Audit Committee. Former founding member at Serent Capital, a leading lower-middle market private equity firm focused on investing in high-growth service and technology businesses. Bottom line: Steve would bring direct experience scaling high-growth technology and services companies to the Board. Source: participants’ press release of 18 September 2026

Important Note: The three director candidates identified here have expressed their willingness to serve as Board members if the consent solicitation is successful, however no agreement has been reached with them. Further, the consent solicitation will not automatically result in their appointment to the Board. Rather, they would be nominated by Mr. Garg and their appointments would depend on obtaining approval from a majority of Board members at that time.

The case

Why the campaign says change is needed

The campaign’s case is set out in the participants’ own filings with the Securities and Exchange Commission. Every point below is taken from them.

The 90-day plan, in brief

On 3 September 2026 Vishal Garg published a 90-day plan for the company. Every point below is taken from that release as filed with the SEC.

Return to break-evenQuarterly funded-loan volume of $2 billion, which the plan describes as the company's break-even point, with monthly revenue growth of about $7 million and monthly cash burn reduced from about $4 million to zero.
Growth through the Tinman platformLaunch the CK HELOC through Tinman, close five major partners already in the pipeline, raise loan-officer talk time from 2.1 to 4 hours a day with AI call routing, and lift the lock-to-fund rate from about 45% toward the industry average of 60%.
Lower costsAlign commissions on AI-assisted conversions (about $500,000 a month), replace one to two day counteroffer delays with instant counteroffers (about $1 million a month), and move parts of legal work to AI-assisted teams (about $500,000 a month).
Governance and capital returnA board refresh, a search for a permanent chief executive, and a $30 million share repurchase program.Source: participants' press release of 3 September 2026, filed as additional soliciting material, accession 0000921895-26-002470

The point below is drawn from the public court and SEC record.

Shareholders, not the board, decide this one Delaware law permits shareholders to remove directors by written consent, without waiting for an annual meeting. Source: definitive consent statement

In his own words

A message from Vishal Garg

Mr. Garg’s message to shareholders, filed with the Securities and Exchange Commission as additional soliciting material on 3 September 2026. The full transcript, as filed, is below the video.

Transcript, as filed with the SEC on 3 September 2026

Reproduced from the participants' filing of additional soliciting material, accession number 0000921895-26-002470, Item 2. Public record.

On 3 September 2026 Mr. Garg appeared as a guest on the Jaime Catmull Show. The full transcript of the discussion, as filed:

00:00 - 00:03 (On-screen text)

ON AUGUST 3, VISHAL GARG WAS WRONGFULLY OUSTED FROM BETTER.

00:04 - 00:20 Vishal Garg: “I started this company

12 years ago to make homeownership better for all Americans. I built it into something that processed and funded over $110 billion of

loans for over 500,000 American families, saving each of them $20,000 in interest alone. And it’s now a $500 million company...”

00:21 - 00:37 Vishal Garg: “...things were going great!

We’d grown revenue and loan volume 2.5x, and we were about to hit break-even, the board and Daniel fired me. The next day, once

it got announced, the stock dropped 42%.”

00:37 - 00:56 Vishal Garg: “Shareholders were like,

‘What happened?’ And they want me to come back. And so that’s what we’re doing now. They tried to stop us from

getting a vote of all of the shareholders, and so the courts threw out their temporary restraining order, allowed us to now proceed forward

with the votes.”

00:57 - 01:10 Vishal Garg: “The vote cards are being

mailed out today to all the individual investors and institutional investors, and starting tomorrow, all of us are going to be able to

vote to bring sanity back to Better. All of you who are shareholders, you’re going to be getting a proxy card in the mail or via

FedEx in the next couple of days.”

01:11 - 01:31 Vishal Garg: “It’s super important

that you vote. It’s super important because the future of a better Better depends on you voting to make this company great. There’s

a $100 billion company hiding inside Better, and we were really at the five-yard line in getting to a place to really unlock it.”

01:31 - 01:43 Vishal Garg: “The team in place today

doesn’t know how to do that, has never done that before, doesn’t even know where to start. We do. Let us finish the job that

we started. We need your vote. Thank you.”

01:44 - 01:57 (On-screen text)

NOW HE’S FIGHTING TO TAKE BACK THE COMPANY HE FOUNDED.

THE FUTURE OF BETTER DEPENDS ON YOU. VOTE TO RESTORE VISHAL GARG,

THE RIGHT LEADERSHIP FOR BETTER.

Help

Lost your card, or have a question?

Text the campaign

Text your name, number of shares and broker, and the campaign team will follow up with you.

+1 (866) BETR-GRN

+1 (866) 238-7476

Okapi Partners LLC

The firm handling consent cards for this solicitation. They can send a replacement card and walk you through the process.

(877) 629-6357

Toll free, for shareholders

Banks and brokers: (212) 297-0720

Email: info@okapipartners.com

Official documents

The definitive consent statement and all related filings are available free of charge.

Consent statement All SEC filings

Sign and return your GREEN consent card.