X0508 4 2026-01-12 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 0 Common Stock 2026-01-12 4 A 0 1459 0 A 25393 I See Footnote Common Stock 4314 D These securities are fully vested restricted stock units (RSUs). Each RSU represents a right to receive one share of Common Stock in settlement as soon as practicable after grant. These RSUs were granted, pursuant to a prior election by the Reporting Person, in lieu of an individual annual cash retainer payment for Board service to the Issuer that the Reporting Person would have otherwise received pursuant to the Issuer's Outside Director Compensation Policy. 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 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 2026-01-16