0001193125-20-285895 Sample Contracts

THIRD AMENDED AND RESTATED LOAN PROGRAM AGREEMENT between CROSS RIVER BANK and UPSTART NETWORK, INC. Dated as of January 1, 2019
Loan Program Agreement • November 5th, 2020 • Upstart Holdings, Inc. • Finance services • Delaware

THIS THIRD AMENDED AND RESTATED LOAN PROGRAM AGREEMENT (as amended, restated, supplemented or otherwise modified from time to time, this “Agreement”) is made and entered into as of this 1st day of January, 2019 (the “Effective Date”), by and between CROSS RIVER BANK, a New Jersey state chartered bank (“Bank”) and UPSTART NETWORK, INC., a Delaware corporation (“UNI”).

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AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT
Loan and Security Agreement • November 5th, 2020 • Upstart Holdings, Inc. • Finance services • California

THIS AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Agreement”) dated as of September 5, 2018 (the “Effective Date”) among SILICON VALLEY BANK, a California corporation (“Bank”), UPSTART HOLDINGS, INC., a Delaware corporation (“Upstart Holdings”), and UPSTART NETWORK, INC., a Delaware corporation (“Upstart Network”, together with Upstart Holdings, each a “Co-Borrower” and collectively, “Co-Borrowers”), provides the terms on which Bank shall lend to Co-Borrowers, and Co-Borrowers shall repay Bank and amends and supersedes, in its entirety, that certain Loan and Security Agreement by and between Bank and Co-Borrowers dated as of February 1, 2016 (as amended from time to time, the “Original Agreement”). The parties agree as follows:

AMENDED & RESTATED PROMOTION AGREEMENT (PERSONAL LOANS)
Promotion Agreement (Personal Loans) • November 5th, 2020 • Upstart Holdings, Inc. • Finance services • California

This Amended & Restated PROMOTION AGREEMENT (“Agreement”) is made as of May 11, 2020 (“Effective Date”) by and between Upstart Network, Inc., a Delaware corporation with its principal office located at 2950 S. Delaware St., #300, San Mateo, CA 94403 (“Advertiser”) and Credit Karma Offers, Inc., a Delaware corporation with its principal office located at 760 Market St., 10th Floor, San Francisco, CA 94102 (“Company”).

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