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Form of Proxy

UPSTART HOLDINGS, INC.

Notes

No. Proposition For Against Abstain
1

DIRECTOR Kerry Cooper

2

DIRECTOR Mary Hentges

3

DIRECTOR Ciaran OKelly

4

Ratification of the appointment of Deloitte & Touche LLP as Upstarts independent registered public accounting firm for the fiscal year ending December 31, 2026.

5

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