X0508 4 2025-12-12 0 0001647639 Upstart Holdings, Inc. UPST 0001817263 Cooper Kerry Whorton C/O UPSTART HOLDINGS, INC. 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403 1 0 0 0 1 Common Stock 2025-12-12 4 S 0 1500 50 D 23934 I See Footnote Common Stock 4314 D The sale reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the Reporting Person on September 4, 2025. These shares are held by the Edward and Kerry Cooper Living Trust, for which the Reporting Person and her spouse serve as co-trustees. These securities are restricted stock units ("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. /s/ Steven Madrid, by power of attorney 2025-12-15