Certain Common Stock of Upstart Holdings, Inc. are subject to a Lock-Up Agreement Ending on 14-JUN-2021. These Common Stock will be under lockup for 181 days starting from 15-DEC-2020 to 14-JUN-2021. Details: The company and its officers and directors, the selling stockholders, and the other holders of common stock, who collectively hold substantially all common stock, have agreed with the underwriters, subject to certain exceptions, not to dispose of or hedge any common stock or securities convertible into or exchangeable for shares of common stock during the period from the date of such agreement continuing through the date 180 days after the date of this prospectus, except with the prior written consent of the representatives.