144 0001832812 XXXXXXXX LIVE 0001647639 Upstart Holdings, Inc. 001-39797 2950 S. DELAWARE STREET, SUITE 300 SAN MATEO CA 94403 (650) 204-1000 Gu Paul Officer Director Common Charles Schwab & Co., Inc.

3000 Schwab Way Westlake TX 76262

120007 948827.00 93710996 02/20/2025 NASDAQ Common 02/20/2025 Restricted Stock Lapse - See Remarks Upstart Holdings, Inc. N 12007 02/20/2025 Equity Compensation N Paul Gu

2950 S. DELAWARE STREET, SUITE 300 SAN MATEO CA 94403

Upstart Holdings, Inc. 11/20/2024 15500 1082163.00 Paul Gu

2950 S. DELAWARE STREET, SUITE 300 SAN MATEO CA 94403

Upstart Holdings, Inc. 11/21/2024 21214 1591593.00 Paul Gu

2950 S. DELAWARE STREET, SUITE 300 SAN MATEO CA 94403

Upstart Holdings, Inc. 11/25/2024 58786 3863814.00 Paul Gu

2950 S. DELAWARE STREET, SUITE 300 SAN MATEO CA 94403

Upstart Holdings, Inc. 12/02/2024 87600 6078466.00 Paul Gu

2950 S. DELAWARE STREET, SUITE 300 SAN MATEO CA 94403

Upstart Holdings, Inc. 12/04/2024 28115 2110323.00 Paul Gu

2950 S. DELAWARE STREET, SUITE 300 SAN MATEO CA 94403

Upstart Holdings, Inc. 12/05/2024 4019 301425.00 Paul Gu

2950 S. DELAWARE STREET, SUITE 300 SAN MATEO CA 94403

Upstart Holdings, Inc. 12/06/2024 40226 3035317.00 Shares sold to cover tax obligation from settlement of vested Restricted Stock Units. 02/20/2025 PAUL GU