Investor Presentaiton

Upstart's marketplace Total addressable market of $4T in annual loan originations Home Auto Personal $171B3 $2.7T1 Small Business $644B4 $775B² 1 Total mortgage originations using data provided by TransUnion for Q4 2021 - Q3 2022 2 Total auto loans using data provided by TransUnion for Q4 2021 - Q3 2022 3 Total unsecured personal loans using data provided by TransUnion for Q4 2021 - Q3 2022 4 Total small business loans using data provided by the Office of Advocacy U.S. Small Business Administration, September 2020, for 2019 fiscal year Upstart 15

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