NOTICE OF APPLICATION FOR FORMATION OF BANK HOLDING COMPANY

NOTICE OF APPLICATION FOR FORMATION OF BANK HOLDING COMPANY Upstart Holdings, Inc., San Mateo, California has applied to the Federal Reserve Board for permission to become a bank holding company with respect to Upstart Bank, National Association, with its main office in Wilmington, Delaware. The Federal Reserve considers a number of factors in deciding whether to approve the application including the record of performance of the institutions involved in helping to meet local credit needs. You are invited to submit comments in writing on this application to James W. Corkery, Jr. at the Federal Reserve Bank of Philadelphia, Ten Independence Mall, Philadelphia, PA 19106, or via email: comments.applications@phil.frb.org. The comment period will not end before July 8, 2026, and may be somewhat longer. The Board's procedures for processing applications/notices may be found at 12 C.F.R. Part 262. Procedures for processing protested applications/notices may be found at 12 C.F.R. 262.25. To obtain a copy of the Federal Reserve Board's procedures, or if you need more information about how to submit your comments on the application, contact James W. Corkery, Jr., Assistant Vice President, at (215) 574-6416. The Federal Reserve will consider your comments and any request for a public meeting or formal hearing on the application if they are received in writing by the Reserve Bank on or before the last day of the comment period. June 8 2026 LDOV0532768