X0508 4 2026-02-28 0 0001647639 Upstart Holdings, Inc. UPST 0001558259 Darling Scott C/O UPSTART HOLDINGS, INC. 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403 0 1 0 0 Chief Legal Officer 0 Common Stock 2026-02-28 4 A 0 24668 0 A 104150 D Common Stock 31637 I by trust Performance-based Restricted Stock Unit 0 2026-02-28 4 A 0 74003 0 A Common Stock 74003 74003 D These securities are restricted stock units (RSUs). Each RSU represents a contingent right to receive one share of Common Stock. 1/16th of the RSUs shall vest on May 15, 2026 and at the end of each successive three month period thereafter, subject to the Reporting Person continuing as a service provider through each such date. Certain of these securities are RSUs. Each RSU represents a contingent right to receive one share of Common Stock, subject to the applicable vesting schedule and conditions of each RSU. The shares are held by the Darling Family Trust. These securities are performance-based restricted stock units (PRSUs). Each PRSU represents a contingent right to receive one share of Common Stock in an amount from 0% to 300% of the target number of PRSUs granted. The actual number of PRSUs earned will be based, in part, upon achievement of certain TSR CAGR targets as of February 15, 2030 and subject to vesting on February 20, 2030, subject to the Reporting Person continuing as a service provider through such date. /s/ Steven Madrid, by power of attorney 2026-03-03