X0609 4 2026-09-10 0 0001647639 Upstart Holdings, Inc. UPST 0001832812 Gu Paul false C/O UPSTART HOLDINGS, INC. 220 PARK ROAD, SUITE 500 BURLINGAME CA 94010 1 1 0 0 Chief Executive Officer 0 Common Stock 2026-09-10 4 P 0 50000 25.55 A 130000 I by LLC Common Stock 1102616 D Common Stock 44930 I by trust Common Stock 70000 I by trust The price reported in Column 4 is a weighted average price. These shares were purchased in multiple transactions at prices ranging from $25.505 to $25.585. 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 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. The reportable securities are owned by The Gu Qiao Family Trust, of which the Reporting Person is the trustee. /s/ Steven Madrid, by power of attorney 2026-09-10