X0609 4 2026-05-29 0 0001647639 Upstart Holdings, Inc. UPST 0001481735 Terry Hilliard C. III false C/O UPSTART HOLDINGS, INC. 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403 1 0 0 0 0 Common Stock 2026-05-29 4 A 0 6476 0 A 37432 D These securities are restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Common Stock. 100% of the RSUs shall vest on the earlier of May 29, 2027 or the day prior to the date of the Issuer's 2027 annual meeting of stockholders, subject to the Reporting Person continuing as a service provider through such date. /s/ Steven Madrid, by power of attorney 2026-06-02