Exhibit 10.16 [***] = CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY BRACKETS, HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION PURSUANT TO RULE 406 OF THE SECURITIES ACT OF 1933, AS AMENDED. Software License, Customization and Maintenance Agreement Agreement Number: CW251207 Effective Date: 11/4/10 Company Name: Cardlytics, Inc. Company Address: 621 North Avenue NE Suite C-30 Atlanta, GA 30308 Company Telephone: 888.798.5802 This SOFTWARE LICENSE, CUSTOMIZATION AND MAINTENANCE AGREEMENT ("Agreement") is entered into as of the Effective Date by and between Bank of America, N.A. ("Bank of America"), a national banking association, and the above-named Supplier, a corporation, and consists of this signature page and the attached Terms and Conditions, Schedules, and all other documents attached hereto, which are incorporated in full by this reference. ("Supplier") Bank of America, N.A. By: /s/ Scott Grime By: /s/ Chandra Torrence Name: Scott Grime Name: Chandra Torrence Title: Chief Executive Officer Title: V.P., Sourcing Manager Date: 11/8/10 Date: 11/4/10 Address for Notices: Cardlytics, Inc. 621 North Ave NE Suite C-30 Atlanta, GA 30030 ATTN: Scott Grimes Telephone: 888.798.5802 Email: [***] Address for Notices: (Supply Chain Management Contact) Mailcode NC1-023-09-01 Bank of America 625 N Tryon St Charlotte, NC 28255 ATTN: Chandra Torrence Telephone: [***] Email: [***] With a copy to: Bank of America Legal Department 101 S. Tryon Street Charlotte, NC 28255 Proprietary to Bank of America vTIP2010 Source: CARDLYTICS, INC., S-1, 1/12/2018 Software License, Customization and Maintenance Agreement Table of Contents Page 1.0 DEFINITIONS 1 2.0 LICENSE 4 3.0 RELATIONSHIP MANAGER 6 4.0 TERM 7 5.0 TERMINATION 7 6.0 ORDERING, DELIVERY AND INSTALLATION 8 7.0 CUSTOMIZATIONS 9 8.0 SOURCE CODE CUSTODY 10 9.0 DOCUMENTATION 11 10 ACCEPTANCE 11 11.0 MAINTENANCE SERVICES 12 12.0 UPGRADES 12 13.0 NON-MAINTENANCE SERVICES SUPPORT 12 14.0 TRAINING 12 15.0 PRICING/FEES 13