144 0001459348 XXXXXXXX LIVE 0001883085 Pagaya Technologies Ltd. 001-41430 335 MADISON AVENUE 16TH FLOOR NEW YORK NY 10017 646-710-7714 Andrew Adams 10% Beneficial Owner Common Stock Merrill Lynch Pierce Fenner and Smith

One Bryant Park New York NY 10036

108005 4731699.05 65319849 09/19/2025 NASDAQ Common Stock 09/18/2025 Distribution in Kind Oak HC/FT Associates II, LLC (1) N 80031 09/18/2025 Distribution in Kind Common Stock 09/18/2025 Distribution in Kind Oak HC/FT Associates V, LP (2) N 27974 09/18/2025 Distribution in Kind Y (1) These shares were initially acquired by Oak HC/FT Partners II, LP from the issuer via private placement on 11/13/2020, and were subsequently distributed in kind to Oak HC/FT Associates II, LLC. (2) These shares were converted from preferred shares initially acquired by Oak HC/FT Partners V, LP, Oak HC/FT Partners V-A, LP, and Oak HC/FT Partners V-B, LP from the issuer via private placement on 5/25/23, and were subsequently distributed in kind to Oak HC/FT Associates V, LP. 09/19/2025 Andrew Adams