X0508 4 2025-11-11 0 0001647639 Upstart Holdings, Inc. UPST 0001832812 Gu Paul C/O UPSTART HOLDINGS, INC. 2950 S. DELAWARE STREET, SUITE 410 SAN MATEO CA 94403 1 1 0 0 Chief Technology Offier 0 Common Stock 2025-11-11 4 P 0 20000 39.22 A 20000 I by trust Common Stock 2025-11-11 4 P 0 80000 39.23 A 80000 I by LLC Common Stock 1102226 D Common Stock 44930 I by trust This purchase was matchable under Section 16(b) of the Securities Exchange Act of 1934 with a sale of 5,000 shares by the Reporting Person on September 2, 2025. The Reporting Person has remitted the resulting short-swing profits to the Company, which were $148,255.06. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $38.89 to $39.39. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price. The reportable securities are owned by THE GU QIAO FAMILY TRUST, of which the Reporting Person is the trustee. The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $38.93 to $39.40. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price. The reportable securities are owned directly by JECCO, LLC of which the Reporting Person is a managing member. Certain of 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. The reportable securities are owned by THE PAUL XINQUAN GU 2021 GIFTING TRUST, of which the Reporting Person is a trustee. /s/ Steven Madrid, by power of attorney 2025-11-11