| Name | Relationship | Address | Signature | Signature date | CIK |
|---|---|---|---|---|---|
| Darling Scott | Chief Legal Officer | C/O UPSTART HOLDINGS, INC., 2950 S. DELAWARE STREET, SUITE 410, SAN MATEO | /s/ Steven Madrid, by power of attorney | 24 Nov 2025 | 0001558259 |
| Type | Sym | Class | Transaction | Value $ | Shares | Change % | * Price $ | Shares After | Date | Ownership | Footnotes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| transaction | UPST | Common Stock | Sale | $267,670 | -7,323 | -6.9% | $36.55 | 98,390 | 20 Nov 2025 | Direct | F1, F2, F3, F4 |
| transaction | UPST | Common Stock | Sale | $14,810 | -400 | -0.41% | $37.02 | 97,990 | 20 Nov 2025 | Direct | F1, F3, F4, F5 |
| transaction | UPST | Common Stock | Other | -5,392 | -5.5% | 92,598 | 20 Nov 2025 | Direct | F3, F4, F6 | ||
| transaction | UPST | Common Stock | Other | +5,392 | +31% | 22,827 | 20 Nov 2025 | by trust | F6, F7 |
| Id | Content |
|---|---|
| F1 | These shares were sold to cover tax withholding obligations in connection with the vesting of restricted stock units (RSUs). |
| F2 | The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $35.94 to $36.92. 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 sold at each separate price. |
| F3 | 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. |
| F4 | This Form 4 reflects the reporting person's unvested RSUs as directly held, correcting prior filings that inadvertently reported such holdings as indirectly held through the Darling Family Trust. All securities remain beneficially owned by the reporting person. |
| F5 | The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $36.95 to $37.13. 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 sold at each separate price. |
| F6 | No consideration; change in form of ownership only. |
| F7 | The shares are held by the Darling Family Trust. |