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        <com:city>SAN MATEO</com:city>
        <com:stateOrCountry>CA</com:stateOrCountry>
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      <relationshipsToIssuer>
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          <com:street1>3000 Schwab Way</com:street1>
          <com:city>Westlake</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>76262</com:zipCode>
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      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
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      <natureOfAcquisitionTransaction>Employee Stock Option Exercise</natureOfAcquisitionTransaction>
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          <com:stateOrCountry>CA</com:stateOrCountry>
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      <securitiesClassTitle>Upstart Holdings, Inc.</securitiesClassTitle>
      <saleDate>08/20/2024</saleDate>
      <amountOfSecuritiesSold>1264</amountOfSecuritiesSold>
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      <saleDate>08/23/2024</saleDate>
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      <grossProceeds>83242.00</grossProceeds>
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    <noticeSignature>
      <noticeDate>08/29/2024</noticeDate>
      <planAdoptionDates>
        <planAdoptionDate>11/30/2023</planAdoptionDate>
      </planAdoptionDates>
      <signature>NATALIA MIRGORODSKAYA</signature>
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144
0001833851
XXXXXXXX
LIVE
0001647639
Upstart Holdings, Inc.
001-39797
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
(650) 204-1000
Mirgorodskaya Natalia
Officer
Common
Charles Schwab & Co., Inc.
3000 Schwab Way
Westlake
TX
76262
2000
90000.00
89513590
08/29/2024
NASDAQ
Common
08/29/2024
Employee Stock Option Exercise
Upstart Holdings, Inc.
N
2000
08/29/2024
Broker Payment for Cashless Exercise
N
NATALIA MIRGORODSKAYA
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
08/07/2024
2500
87500.00
NATALIA MIRGORODSKAYA
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
08/20/2024
1264
48481.00
NATALIA MIRGORODSKAYA
2950 S. DELAWARE STREET, SUITE 300
SAN MATEO
CA
94403
Upstart Holdings, Inc.
08/23/2024
2080
83242.00
08/29/2024
11/30/2023
NATALIA MIRGORODSKAYA