Company: PGYWW
Filing Date: 2025-12-05
Form Type: S-3ASR
Source: 0000950103-25-015781
Chunk: 5

Company: Pagaya Technologies Ltd.
Filing Date: 2025-12-05
Form: S-3ASR
Chunk 5
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 to give any information or to represent anything not contained in or incorporated
by reference into this prospectus, any applicable prospectus supplement or any related free writing prospectus. This prospectus is not
an offer to sell securities, and it is not soliciting an offer to buy securities, in any jurisdiction where the offer or sale is not permitted.
You should assume that the information appearing in or incorporated by reference into this prospectus or any prospectus supplement is
accurate only as of the date on the front of that document incorporated by reference, regardless of the time of delivery of this prospectus
or any applicable prospectus supplement, or any sale of a security. Our business, financial condition, results of operations and prospects
may have changed since those dates.

This prospectus contains summaries of certain
provisions contained in some of the documents described herein, but reference is made to the actual documents for complete information.
All of the summaries are qualified in their entirety by the actual documents. Copies of some of the documents referred to herein have
been filed, will be filed or will be incorporated by reference as exhibits to the registration statement of which this prospectus is a
part, and you may obtain copies of those documents as described below under “Where You Can Find More Information.”

We have proprietary rights to trademarks used
in this prospectus that are important to our business, many of which are registered (or pending registration) under applicable intellectual
property laws. This prospectus contains references to trademarks, trade names and service marks belonging to other entities. Solely for
convenience, trademarks, trade names and service marks referred to in this prospectus may appear without the ® or TM symbols, but
such references are not intended to indicate, in any way, that the applicable licensor will not assert, to the fullest extent under applicable
law, its rights to these trademarks, trade names and service marks. We do not intend our use or display of other companies’ trade
names, trademarks or service marks to imply a relationship with, or endorsement or sponsorship of us by, any other companies.

On June 22, 2022 (the “EJFA Closing Date”),
Pagaya consummated its previously announced business combination pursuant to that certain Agreement and Plan of Merger, dated as of September
15, 2021 (the “EJFA Merger Agreement”), by and among EJF Acquisition Corp., a Cayman Islands exempted company (“EJFA”),
Pagaya and Rigel Merger Sub