Company: PGYWW
Filing Date: 2025-12-05
Form Type: S-3ASR
Source: 0000950103-25-015781
Chunk: 76

Company: Pagaya Technologies Ltd.
Filing Date: 2025-12-05
Form: S-3ASR
Chunk 76
---
 registered
public accounting firm, as set forth in their report thereon, included therein, and incorporated herein by reference. Such consolidated
financial statements are incorporated herein by reference in reliance upon such report given on the authority of such firm as experts
in accounting and auditing.

<div align='center'>43

INFORMATION INCORPORATED
BY REFERENCE</div>

The SEC allows us to “incorporate by reference”
information that we file with it, which means that we can disclose important information to you by referring you to those documents. The
information incorporated by reference is an important part of this prospectus. Information in this prospectus supersedes information incorporated
by reference that we filed with the SEC prior to the date of this prospectus, while information that we file later with the SEC will automatically
update and supersede the information in this prospectus. We also incorporate by reference into this prospectus the documents listed below
and any future filings made by us with the SEC (other than Current Reports or portions thereof furnished under Item 2.02 or Item 7.01
of Form 8-K and exhibits filed on such form that are related to such items and other portions of documents that are furnished, but not
filed, pursuant to applicable rules promulgated by the SEC) that are filed by us with the SEC pursuant to Sections 13(a), 13(c), 14 or
15(d) of the Exchange Act after the filing and concurrent effectiveness of the registration statement but prior to the termination of
all offerings covered by this prospectus:

| · | the description of the Class A Ordinary Shares contained in our                                                                   
 registration statement on Form 8-A (File No. 001-41430), filed with the SEC on June 22, 2022, including any amendments or reports 
 filed for the purpose of updating such description.                                                                               |

We will provide to each person, including any
beneficial owner, to whom a prospectus is delivered, upon written or oral request, without charge to the requester, a copy of any or all
of the documents that are incorporated by reference into this prospectus but not delivered with the prospectus, including exhibits which
are specifically incorporated by reference into such documents. You can obtain free of charge a copy of any documents that are incorporated
by reference in this prospectus supplement at no cost, by writing or telephoning us at:

<div align='center'>Pagaya Technologies Ltd.

Attn: Investor Relations

335 Madison Ave,