Investor Presentaiton

Q1'23 Summary Revenue $102.9M -67% y/y Income from Operations Contribution Profit Margin ($131.8M) 58% from $34.8M in prior year vs 47% in prior year Net Income Adjusted EBITDA ($129.3M) From $32.7M in prior year ($31.1M) From $65.6.M in prior year $2B+ In long-term funding over the next 12 months 84% 1 Of loans fully automated Highlights 23 New Al models launched including largest accuracy improvement to date New OEM partners, Acura & Mercedes, reaching 9 total digital retail provider OEM partnerships 992 Lending partners, up from 50 a year ago 1 In Q1 2023 2 as of 5/9/23 Upstart 4

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