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Form of Proxy

UPSTART HOLDINGS, INC.

Notes

No. Proposition For Against Abstain
1

DIRECTOR Peter Bernard

2

DIRECTOR Paul Gu

3

Ratification of the appointment of Deloitte & Touche LLP as Upstarts independent registered public accounting firm for the fiscal year ending December 31, 2025.

4

The approval, on an advisory basis, of the compensation of our named executive officers.