0001883085-25-000157 Sample Contracts

INDENTURE Dated as of July 28, 2025 PAGAYA US HOLDING COMPANY LLC, as the Company PAGAYA TECHNOLOGIES, LTD., as Parent Guarantor the Subsidiary Guarantors named herein 8.875% Senior Notes due 2030 U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee
Indenture • July 28th, 2025 • Pagaya Technologies Ltd. • Finance services • New York

INDENTURE dated as of July 28, 2025, among PAGAYA US HOLDING COMPANY LLC, a Delaware limited liability company (the “Company”), PAGAYA TECHNOLOGIES, LTD., a company organized under the laws of the State of Israel (the “Parent Guarantor”), the Subsidiary Guarantors (as defined herein, and together with the Parent Guarantors, the “Guarantors”), and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, a national banking association, as trustee (in such capacity, the “Trustee”).

THIRD AMENDMENT TO CREDIT AGREEMENT
Credit Agreement • July 28th, 2025 • Pagaya Technologies Ltd. • Finance services

This Third Amendment to Credit Agreement (this “Amendment”) dated as of July 28, 2025 by and among PAGAYA TECHNOLOGIES LTD, a company organized under the laws of Israel (the “Pagaya Israel”), PAGAYA US HOLDING COMPANY LLC, a Delaware limited liability company (“Pagaya US” and together with Pagaya Israel, individually and collectively, jointly and severally, as the context may require, the “Borrower”), the Revolving Lenders party hereto constituting the Required Lenders, and ACQUIOM AGENCY SERVICES LLC, as administrative agent for the Lenders and collateral agent for the Secured Parties (in such capacities, the “Administrative Agent”).