PGY · Pagaya Technologies Ltd. · Insider Trading

Sale of securities to satisfy tax liability arising exclusively from the vesting of a compensatory award.

Half of the award vested on December 2, 2025, and the remaining half of the award will vest over the following 12 months in four quarterly installments.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

Balance adjusted to reflect shares acquired under the Employee Stock Purchase Plan (ESPP).

Prorated annual equity award for non-employee directors consisting of 1,953 Class A Ordinary Shares which are immediately vested and 3,993 restricted stock units ("RSUs") which each represent a contingent right to receive one Class A Ordinary Share. The RSUs will vest in full on October 1, 2026.

Weighted average price. These shares were sold in multiple transactions at prices ranging from $21.95 to $22.03 inclusive. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth above.

Prorated annual equity award for non-employee directors consisting of 2,911 Class A Ordinary Shares which are immediately vested and 4,391 restricted stock units ("RSUs") which each represent a contingent right to receive one Class A Ordinary Share. The RSUs will vest in full on October 1, 2026.

On July 1, 2026, the reporting person was granted 34,995 restricted stock units, vesting in eight equal quarterly installments beginning on September 15, 2026.

Balance adjusted to reflect shares acquired under the Employee Stock Purchase Plan (ESPP).

Sale of shares was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

On April 1, 2026, the Reporting Person was granted 28,571 restricted stock units, vesting in eight equal quarterly installments beginning on June 25, 2026.

Sale of shares was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

On April 1, 2026, the Reporting Person was granted 200,000 restricted stock units, vesting in eight equal quarterly installments beginning on June 25, 2026.

Weighted average price. These shares were purchased in multiple transactions at prices ranging from $15.409 to $15.44 inclusive. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares purchased at each separate price within the range set forth above.

Weighted average price. These shares were sold in multiple transactions at prices ranging from $15.00 to $16.27 inclusive. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth above.

The grant shall vest over a period of two years in eight equal quarterly installments starting on June 12, 2025.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

The grant shall vest over a period of two years in eight equal quarterly installments starting on June 12, 2025.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

The grant shall vest over a period of two years in eight equal quarterly installments starting on June 12, 2025.

1/2 of the total 41,664 restricted stock units vested on December 2, 2025, and the remaining restricted stock units shall vest over the following 12 months in 4 quarterly installments.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

Weighted average price. These shares were sold in multiple transactions at prices ranging from $15.09 to $15.10 inclusive. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth above.

This sale was effected pursuant to a 10b5-1 plan, as noted on the form specific filing information.

On April 1, 2026, the Reporting Person was granted 185,000 Restricted Stock Units (the "Grant") by the Issuer. The transaction reported herein is being reported late due to an inadvertent administrative delay and not any error of the Reporting Person.

The Grant shall vest in eight equal quarterly installments beginning on June 25, 2026.

On April 1, 2026, the Reporting Person was granted 185,000 Restricted Stock Units (the "Grant") by the Issuer. The transaction reported herein is being reported late due to an inadvertent administrative delay and not any error of the Reporting Person.

The Grant shall vest in eight equal quarterly installments beginning on June 25, 2026.

On April 1, 2026, the Reporting Person was granted 28,571 Restricted Stock Units (the "Grant") by the Issuer. The transaction reported herein is being reported late due to an inadvertent administrative delay and not any error of the Reporting Person.

The Grant shall vest in eight equal quarterly installments beginning on June 25, 2026.

On April 1, 2026, the Reporting Person was granted 185,000 Restricted Stock Units (the "Grant") by the Issuer. The transaction reported herein is being reported late due to an inadvertent administrative delay and not any error of the Reporting Person.

The Grant shall vest in eight equal quarterly installments beginning on June 25, 2026.

1/6th of the total 273,224 restricted stock units subject to this award vest each on August 1, 2024 and January 1, 2025, and the remaining 2/3rd of the grant shall vest over the following 24 months in equal quarterly installments on April 1, 2025, July 1, 2025, October 1, 2025, January 1, 2026, April 1, 2026, July 1, 2026, October 1, 2026 and January 1, 2027.

On April 1, 2026, the Reporting Person was granted 175,000 Restricted Stock Units (the "Grant") by the Issuer. The transaction reported herein is being reported late due to an inadvertent administrative delay and not any error of the Reporting Person

The Grant shall vest in eight equal quarterly installments beginning on June 25, 2026.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

On April 1, 2026, the Reporting Person was granted 200,000 Restricted Stock Units (the "Grant") by the Issuer. The transaction reported herein is being reported late due to an inadvertent administrative delay and not any error of the Reporting Person.

The Grant shall vest in eight equal quarterly installments beginning on June 25, 2026.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

The grant shall vest over a period of two years in eight equal quarterly installments starting on June 12, 2025.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

The grant shall vest over a period of two years in eight equal quarterly installments starting on June 12, 2025.

The grant shall vest over a period of two years in eight equal quarterly installments starting on June 12, 2025.

Sale of securities was necessary to satisfy tax withholding obligations arising exclusively from the vesting of a compensatory award.

1/2 of the total 41,664 will vest one year after the commencement date on December 2, 2025, and the remaining shall vest over the following 12 months in 4 quarterly installments.