144 0001558259 XXXXXXXX LIVE 0001647639 Upstart Holdings, Inc. 001-39797 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403 (650) 204-1000 Darling Scott Officer Common Charles Schwab & Co., Inc.

3000 Schwab Way Westlake TX 76262

1000 50000.00 97286484 01/05/2026 NASDAQ Common 01/05/2026 Employee Stock Option Exercise Upstart Holdings, Inc. N 1000 01/05/2026 Broker Payment for Cashless Exercise N SCOTT DARLING

950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403

Upstart Holdings, Inc 10/01/2025 1000 54640.00 SCOTT DARLING

950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403

Upstart Holdings, Inc 10/24/2025 1000 55012.00 SCOTT DARLING

950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403

Upstart Holdings, Inc 11/20/2025 7723 282479.00 SCOTT DARLING

950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403

Upstart Holdings, Inc 12/12/2025 7392 3696000.00 01/05/2026 05/30/2025 SCOTT DARLING