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Subject: Andrew, what are you waiting for? Check your rate today.
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To: info@sterlingcal.com
Date: Sat, 02 Nov 2024 23:02:15 +0000
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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0AWipe out your credit c=
ard debt in as few as 36 months with a=0Apersonal loan through Upgrade.=0A=
=0Aupgrade_logo ( https://link.upgrade.com/f/a/sNynkU7a5DIQgWB92WkFgw~~/AAQ=
RxQA~/RgRpCTR3P0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZxJ3ryZnw3o4QFIUa=
W5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0AHow much could you save=3F=0AHi,=0ADid you know that only paying the =
minimum payment on your credit=0Acard each month can draw out your repaymen=
t for over a decade=3F=0AWith a personal loan (=0Ahttps://link.upgrade.com/=
f/a/5s2hRBluZazPJVB7Gmtyhg~~/AAQRxQA~/RgRpCTR3P0QqaHR0cHM6Ly93d3cudXBncmFkZ=
S5jb20vZnVubmVsL25vbmRtZnVubmVsVwNzcGNCCmcSd68mZ8N6OEBSFGluZm9Ac3Rlcmxpbmdj=
YWwuY29tWAQAAAIV=3Futm_source=3Ddecl_old&utm_medium=3Demail&utm_campaign=3D=
send04&utm_content=3Demail_link=0A) through Upgrade you can wipe out your c=
redit card debt in as=0Afew as 36 months.   =0A=0A=0ACheck Your Rate (=0Aht=
tps://link.upgrade.com/f/a/oNkDI5vZG0VluFV7eXEAvA~~/AAQRxQA~/RgRpCTR3P0R5aH=
R0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjb=
F9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDA0JnV0bV9jb250ZW50PWVt=
YWlsX2N0YVcDc3BjQgpnEnevJmfDejhAUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~=0A=
)        It=E2=80=99s easy to check=0Ayour rate =E2=80=94 click here (=0Aht=
tps://link.upgrade.com/f/a/5s2hRBluZazPJVB7Gmtyhg~~/AAQRxQA~/RgRpCTR3P0QqaH=
R0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsVwNzcGNCCmcSd68mZ8N6O=
EBSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV=3Futm_source=3Ddecl_old&utm_medium=
=3Demail&utm_campaign=3Dsend04&utm_content=3Demail_link=0A) to see how much=
 you could save. When you check your rate, there=0Ais no obligation and no =
impact to your credit score.   Thanks,=0AThe Upgrade Team              If y=
ou have questions, we're here=0Ato help.     support@upgrade.com           =
    Personal loans=0Amade through Upgrade feature Annual Percentage Rates (=
APRs) of=0A9.99%-35.99%. All personal loans have a 1.85% to 9.99%=0Aorigina=
tion fee, which is deducted from the loan proceeds. Lowest=0Arates require =
Autopay and paying off a portion of existing debt=0Adirectly. Loans feature=
 repayment terms of 24 to 84 months. For=0Aexample, if you receive a $10,00=
0 loan with a 36-month term and a=0A17.59% APR (which includes a 13.94% yea=
rly interest rate and a 5%=0Aone-time origination fee), you would receive $=
9,500 in your=0Aaccount and would have a required monthly payment of $341.4=
8.=0AOver the life of the loan, your payments would total $12,293.46.=0AThe=
 APR on your loan may be higher or lower and your loan offers=0Amay not hav=
e multiple term lengths available. Actual rate depends=0Aon credit score, c=
redit usage history, loan term, and other=0Afactors. Late payments or subse=
quent charges and fees may=0Aincrease the cost of your fixed rate loan. The=
re is no fee or=0Apenalty for repaying a loan early.=0A All loans, Personal=
 Credit=0ALines, and checking and savings accounts are provided by=0AUpgrad=
e's bank partners ( https://link.upgrade.com/f/a/idIQ34-g12e9Rov4Jm4-qA~~/A=
AQRxQA~/RgRpCTR3P0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3N=
wY0IKZxJ3ryZnw3o4QFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ ) . Upgrade Visa=
=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are issued=0Aby Upgrade's b=
ank partners =0A( https://link.upgrade.com/f/a/idIQ34-g12e9Rov4Jm4-qA~~/AAQ=
RxQA~/RgRpCTR3P0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY=
0IKZxJ3ryZnw3o4QFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ ), pursuant to a li=
cense=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) holds the fol=
lowing state licenses=0A=0A( https://link.upgrade.com/f/a/GqoiGBiLjMZLuTI0Y=
_Jthw~~/AAQRxQA~/RgRpCTR3P0RsaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLX=
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nN1bWVyLUluZm9ybWF0aW9uVwNzcGNCCmcSd68mZ8N6OEBSFGluZm9Ac3RlcmxpbmdjYWwuY29t=
WAQAAAIV )=0A and does business under the following DBAs =0A( https://link.=
upgrade.com/f/a/8IVgm8BWgINsLef3cYpo9w~~/AAQRxQA~/RgRpCTR3P0QcaHR0cHM6Ly93d=
3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnEnevJmfDejhAUhRpbmZvQHN0ZXJsaW5nY2FsLmNv=
bVgEAAACFQ~~ ).=0A=0AUpgrade is a financial technology company, not a bank =
=0A( https://link.upgrade.com/f/a/4KLjoDJmBv6XAX5tgc9lig~~/AAQRxQA~/RgRpCTR=
3P0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExNTAwNT=
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mdjYWwuY29tWAQAAAIV )=0A. =0A   Accept your loan offer and=0Ayour funds wil=
l be sent to your bank or designated account within=0Aone (1) business day =
of clearing necessary verifications.=0AAvailability of the funds is depende=
nt on how quickly your bank=0Aprocesses the transaction. From the time of a=
pproval, funds sent=0Adirectly to you should be available within one (1) bu=
siness day.=0AFunds sent directly to pay off your creditors may take up to =
2=0Aweeks to clear, depending on the creditor.=0A=0Afacebook =0A( https://l=
ink.upgrade.com/f/a/Wpef0dmdV0dQHaJ2HSb4qQ~~/AAQRxQA~/RgRpCTR3P0R9aHR0cHM6L=
y93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY2Vib29rP3V0bV9zb3VyY2U9ZGVjbF9vbGQm=
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rX2xpbmtXA3NwY0IKZxJ3ryZnw3o4QFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=
=0Ainstagram =0A( https://link.upgrade.com/f/a/mXiRtU5lh7Xjz_wFSe-vGA~~/AAQ=
RxQA~/RgRpCTR3P0R9aHR0cHM6Ly93d3cuaW5zdGFncmFtLmNvbS91cGdyYWRlX2NyZWRpdC8_d=
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uZ2NhbC5jb21YBAAAAhU~ )=0A=0Ablog =0A( https://link.upgrade.com/f/a/wXQN4kM=
7b86lWsvrRFNHTQ~~/AAQRxQA~/RgRpCTR3P0R-aHR0cHM6Ly93d3cudXBncmFkZS5jb20vY3Jl=
ZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWl=
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N6OEBSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A       Please do not reply d=
irectly to this message as it was=0Asent from an unattended mailbox.    Thi=
s email contains=0Aadvertising content and was sent to=0Ainfo@sterlingcal.c=
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qUllXc081SlNucnFKJTJCRVFBTkJkVSUwQXN5SSUzRCYxPTFXA3NwY0IKZxJ3ryZnw3o4QFIUaW=
5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0AUpgrade is located at 275 Battery St=
reet, 23rd Floor, San=0AFrancisco, CA, 94111=0A=C2=A9 2024 Upgrade, Inc. Al=
l rights=0Areserved.=0APrivacy Policy ( https://link.upgrade.com/f/a/vH-wjb=
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pdmFjeVcDc3BjQgpnEnevJmfDejhAUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0A=
=0A   Equal Housing Lender=0A        PL_ITA_DECL_OLD_S4
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"0" cellspacing=3D"0" class=3D"mbl" style=3D"width: 100%; min-width: 100% !=
important; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcol=
or=3D"#f5f5f5">=0D=0A  <tbody>=0D=0A  =0D=0A  <tr>=0D=0A    <td style=3D"fo=
nt-size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;">&nbsp;</td>=0D=0A    <td align=3D"center" styl=
e=3D"width: 600px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%;" valign=3D"top"><table border=3D"0" cell=
padding=3D"0" cellspacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; m=
in-width: 90% !important; border-collapse: collapse; mso-table-lspace: 0pt;=
 mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td al=
ign=3D"center" valign=3D"top" style=3D"mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: =
collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                <tbody>=0D=
=0A                  <tr>=0D=0A                    <td style=3D"font-size: =
0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%; padding: 15px 0;" valign=3D"top"><table border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: col=
lapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: =
100%; -webkit-text-size-adjust: 100%;">=0D=0A                        <tbody=
>=0D=0A                          <tr>=0D=0A                            <td =
align=3D"left" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; max-width: =
600px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: =
0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width:=
 90% !important;">=0A  <tbody>=0A    <tr>=0A      <td align=3D"center" vali=
gn=3D"top" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-tabl=
e-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;">=0A          <tbody>=0A            <tr>=0A         =
     <td style=3D"font-size: 0; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" valign=3D"to=
p"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: =
100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0=
pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A       =
           <tbody>=0A                    <tr>=0A                      <td a=
lign=3D"center" valign=3D"middle" style=3D"mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><a alias=3D"upg=
rade_logo" href=3D"https://link.upgrade.com/f/a/sNynkU7a5DIQgWB92WkFgw~~/AA=
QRxQA~/RgRpCTR3P0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZxJ3ryZnw3o4QFIU=
aW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" style=3D"font-family: Graphik, Helvet=
ica, Arial, sans-serif; text-align: center; font-size: 20px; color: #4899C4=
 !important; text-decoration: none; mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img alt=3D"upgrade_lo=
go" border=3D"0" height=3D"33" src=3D"https://braze-images.com/appboy/commu=
nication/assets/image_assets/images/63348ce6db77c73d707010e4/original.png=
=3F1664388326" style=3D"outline: 0px; width: 144px; height: auto; font-fami=
ly: Graphik, Helvetica, Arial, sans-serif; font-size: 24px; color: rgb(0, 1=
75, 106); text-decoration: none; -ms-interpolation-mode: bicubic; padding: =
0px; border-width: 0px;" title=3D"logo" width=3D"144" class=3D"center" /></=
a></td>=0A                    </tr>=0A                  </tbody>=0A        =
        </table></td>=0A            </tr>=0A          </tbody>=0A        </=
table></td>=0A    </tr>=0A  </tbody>=0A</table>=0A<!-- X-250ok-CID: upgrade=
_pl_ita_declined_old_send04-->=0A=0A<span style=3D"font-size: 0px; line-hei=
ght: 1;">=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A  =0A=
=0A=0A=0A=0A</span></td>=0D=0A                          </tr>=0D=0A        =
                </tbody>=0D=0A                      </table></td>=0D=0A    =
              </tr>=0D=0A                </tbody>=0D=0A              </tabl=
e></td>=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=
=0A      =0D=0A      <!--/HEADER ENDS HERE--> =0D=0A      =0D=0A      <!--P=
RIMARY-->=0D=0A      =0D=0A      <table border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-ls=
pace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A        =
=0D=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%; padding: 40px 0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust=
: 100%;">=0D=0A              <tbody>=0D=0A              <tr>=0D=0A         =
         <td style=3D"font-family: Helvetica, Arial, serif; font-size: 24px=
; line-height: 32px; color: #0E680E; font-weight: bold; mso-line-height-rul=
e: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" al=
ign=3D"left">How much could you save=3F</td>=0D=0A                </tr>=0D=
=0A                <tr>=0D=0A                  <td style=3D"padding-top: 15=
px; font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22p=
x; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%;" align=3D"left"><span style=3D"font-size=
: 0px; line-height: 1;"></span>Hi,</td>=0D=0A                </tr>=0D=0A   =
             <tr>=0D=0A                  <td style=3D"font-family: Helvetic=
a, Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 15px 0px 20px;" align=3D"left">Did you know that only pa=
ying the minimum payment on your credit card each month can draw out your r=
epayment for over a decade=3F With a <a alias=3D"get started" href=3D"https=
://link.upgrade.com/f/a/W8Btc4xIUek83PEpaf50pA~~/AAQRxQA~/RgRpCTR3P0R6aHR0c=
HM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9v=
bGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDA0JnV0bV9jb250ZW50PWVtYWl=
sX2xpbmtXA3NwY0IKZxJ3ryZnw3o4QFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" styl=
e=3D"color: #4899C4 !important; display: inline-block; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">per=
sonal loan</a> through Upgrade you can wipe out your credit card debt in as=
 few as 36 months.</td>=0D=0A                </tr>=0D=0A              <!--/=
BUTTON STARTS HERE-->=0D=0A              <span style=3D"font-size: 0px; lin=
e-height: 1;">=0D=0A=0D=0A</span>=0D=0A=0D=0A=0D=0A=0D=0A<tr>=0D=0A  <td va=
lign=3D"top" align=3D"center" width=3D"515" style=3D"font-family: Graphik, =
Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #ffffff=
 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; padding: 0px;"><!--/BUTTON STARTS HERE-->=0D=
=0A      <table align=3D"center" class=3D"cta_table" border=3D"0" cellpaddi=
ng=3D"0" cellspacing=3D"0" style=3D"width: 275px; border-collapse: separate=
; -webkit-border-radius: 8px; -moz-border-radius: 8px; border-radius: 8px; =
mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%; border: 2px solid #0E680E;" bgcolor=3D"#0E68=
0E">=0D=0A          <tr>=0D=0A              <td height=3D"45" style=3D"heig=
ht: 40px; color: #ffffff; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%;" valign=3D"middle" align=3D"cente=
r"><a alias=3D"Check Your Rate" href=3D"https://link.upgrade.com/f/a/oNkDI5=
vZG0VluFV7eXEAvA~~/AAQRxQA~/RgRpCTR3P0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnV=
ubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG=
1fY2FtcGFpZ249c2VuZDA0JnV0bV9jb250ZW50PWVtYWlsX2N0YVcDc3BjQgpnEnevJmfDejhAU=
hRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D"display: inline-block; fo=
nt-size: 16px; line-height: 24px; font-family: Graphik, Helvetica, Arial, s=
ans-serif; font-weight: 500; color: #ffffff !important; text-decoration: no=
ne !important; letter-spacing: 0.5px; mso-line-height-rule: exactly; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--[=
if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Check Your Rate<!--[if mso]>&nbsp;&nb=
sp;&nbsp;<![endif]--></a></td>=0D=0A          </tr>=0D=0A      </table>=0D=
=0A  </td>=0D=0A</tr>=0D=0A=0D=0A=0D=0A =0D=0A              <!--/BUTTON END=
S HERE-->=0D=0A=0D=0A=0D=0A              <tr>=0D=0A                  <td st=
yle=3D"padding-top: 25px; font-family: Helvetica, Arial, serif; font-size: =
16px; line-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms=
-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">It=
=E2=80=99s easy to check your rate =E2=80=94 <a alias=3D"get started" href=
=3D"https://link.upgrade.com/f/a/W8Btc4xIUek83PEpaf50pA~~/AAQRxQA~/RgRpCTR3=
P0R6aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U=
9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDA0JnV0bV9jb250ZW=
50PWVtYWlsX2xpbmtXA3NwY0IKZxJ3ryZnw3o4QFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAA=
hU~" style=3D"color: #4899C4 !important; display: inline-block; mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;">click here</a> to see how much you could save. When you check your ra=
te, there is no obligation and no impact to your credit score.</td>=0D=0A  =
              </tr>=0D=0A              <tr>=0D=0A                <td style=
=3D"padding-top: 25px; font-family: Helvetica, Arial, serif; font-size: 16p=
x; line-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">Thank=
s,<br />=0D=0A                 The Upgrade Team</td>=0D=0A              </t=
r>=0D=0A              </tbody>=0D=0A              =0D=0A            </table=
></td>=0D=0A        </tr>=0D=0A        </tbody>=0D=0A        =0D=0A      </=
table>=0D=0A      =0D=0A      <!--/PRIMARY--> =0D=0A      =0D=0A      <!-- =
CONTACT MODULE STARTS HERE-->=0D=0A      =0D=0A      <table border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: co=
llapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#F5F4F3">=0D=0A        <=
tbody>=0D=0A          <tr>=0D=0A            <td style=3D"padding-top: 0px; =
font-family: Helvetica, Arial, sans-serif; font-size: 12px; line-height: 18=
px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;" align=3D"center"><table align=3D"cente=
r" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; b=
order-bottom-width: 1px; border-bottom-color: #cccccc; border-bottom-style:=
 solid; max-width: 600px; border-collapse: collapse; mso-table-lspace: 0pt;=
 mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_c=
s" style=3D"padding-top: 25px; font-family: Helvetica, Arial, serif; font-s=
ize: 16px; line-height: 20px; color: #37383A; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"cen=
ter">If you have questions, we're here to help.=0D=0A    </td>=0D=0A  </tr>=
=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_cs" style=3D"font-family: Helve=
tica, Arial, serif; font-size: 16px; line-height: 20px; color: #37383A; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%; padding: 3px 3px 25px;" align=3D"center">=0D=0A      <a href=
=3D"mailto:support@upgrade.com" style=3D"font-family: Helvetica, Arial, ser=
if; color: #4899C4 !important; text-decoration: underline; vertical-align: =
middle; display: inline-block; mso-line-height-rule: exactly; -ms-text-size=
-adjust: 100%; -webkit-text-size-adjust: 100%;">support@upgrade.com</a>=0D=
=0A    </td>=0D=0A  </tr>=0D=0A</table></td>=0D=0A          </tr>=0D=0A    =
    </tbody>=0D=0A      </table>=0D=0A      =0D=0A      <!-- /CONTACT MODUL=
E ENDS HERE--> =0D=0A      =0D=0A      <!--FOOTER STARTS HERE-->=0D=0A     =
 =0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
 bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A       =
     <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0;"><table=
 border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; bord=
er-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A              =
  <tbody>=0D=0A                  <tr>=0D=0A                    <td style=3D=
"padding-top: 15px; font-family: Helvetica, Arial, sans-serif; font-size: 1=
2px; line-height: 18px; color: #37383A; mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">Per=
sonal loans made through Upgrade feature Annual Percentage Rates (APRs) of =
9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, whi=
ch is deducted from the loan proceeds. Lowest rates require Autopay and pay=
ing off a portion of existing debt directly. Loans feature repayment terms =
of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-mo=
nth term and a 17.59% APR (which includes a 13.94% yearly interest rate and=
 a 5% one-time origination fee), you would receive $9,500 in your account a=
nd would have a required monthly payment of $341.48. Over the life of the l=
oan, your payments would total $12,293.46. The APR on your loan may be high=
er or lower and your loan offers may not have multiple term lengths availab=
le. Actual rate depends on credit score, credit usage history, loan term, a=
nd other factors. Late payments or subsequent charges and fees may increase=
 the cost of your fixed rate loan. There is no fee or penalty for repaying =
a loan early. =0A  All loans, Personal Credit Lines, and checking and savin=
gs accounts are provided by Upgrade's <a href=3D"https://link.upgrade.com/f=
/a/idIQ34-g12e9Rov4Jm4-qA~~/AAQRxQA~/RgRpCTR3P0QmaHR0cHM6Ly93d3cudXBncmFkZS=
5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZxJ3ryZnw3o4QFIUaW5mb0BzdGVybGluZ2NhbC5jb=
21YBAAAAhU~" target=3D"_blank" style=3D"vertical-align: top; color: #4899C4=
 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%;">bank partners</a>. Upgrade Visa<sup style=3D"=
font-size: 12px; line-height: 1; vertical-align: top;">=C2=AE</sup> Cards a=
nd Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1; vertical-alig=
n: top;">=C2=AE</sup> Debit Cards are issued by Upgrade's <a href=3D"https:=
//link.upgrade.com/f/a/idIQ34-g12e9Rov4Jm4-qA~~/AAQRxQA~/RgRpCTR3P0QmaHR0cH=
M6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZxJ3ryZnw3o4QFIUaW5mb=
0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" style=3D"vertical-align:=
 top; color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;">bank partners</a>, pursua=
nt to a license from Visa USA Inc. <br />=0A<br />=0AUpgrade, Inc. (NMLS #1=
548935) holds the following <a href=3D"https://link.upgrade.com/f/a/GqoiGBi=
LjMZLuTI0Y_Jthw~~/AAQRxQA~/RgRpCTR3P0RsaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29t=
L2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA3MzEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXM=
tYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcGNCCmcSd68mZ8N6OEBSFGluZm9Ac3Rlcmxpbm=
djYWwuY29tWAQAAAIV" target=3D"_blank" style=3D"vertical-align: top; color: =
#4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;">state licenses</a> and does business u=
nder the following <a href=3D"https://link.upgrade.com/f/a/8IVgm8BWgINsLef3=
cYpo9w~~/AAQRxQA~/RgRpCTR3P0QcaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQ=
gpnEnevJmfDejhAUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" target=3D"_blank" =
style=3D"vertical-align: top; color: #4899C4 !important; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">D=
BAs</a>. <br />=0A<br />=0AUpgrade is a <a href=3D"https://link.upgrade.com=
/f/a/4KLjoDJmBv6XAX5tgc9lig~~/AAQRxQA~/RgRpCTR3P0ROaHR0cHM6Ly91cGdyYWRlLnpl=
bmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJ=
hbmstVwNzcGNCCmcSd68mZ8N6OEBSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" target=
=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !important; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">financial technology company, not a bank</a>.=0A=0A</td>=0D=0A  =
                </tr>=0D=0A                  <tr>=0D=0A                    =
<td style=3D"padding-top: 15px; font-family: Helvetica, Arial, sans-serif; =
font-size: 12px; line-height: 18px; color: #37383A; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=
=3D"left">Accept your loan offer and your funds will be sent to your bank o=
r designated account within one (1) business day of clearing necessary veri=
fications. Availability of the funds is dependent on how quickly your bank =
processes the transaction. From the time of approval, funds sent directly t=
o you should be available within one (1) business day. Funds sent directly =
to pay off your creditors may take up to 2 weeks to clear, depending on the=
 creditor.</td>=0D=0A                  </tr>=0D=0A                  <tr>=0D=
=0A                    <td style=3D"padding-top: 15px; font-family: Helveti=
ca, Arial, sans-serif; font-size: 12px; line-height: 18px; color: #37383A; =
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%;" align=3D"left"><table align=3D"center" border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600px; borde=
r-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A  <tr>=0D=0A   =
 <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size=
-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;"><tab=
le border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; b=
order-top-width: 1px; border-top-color: #cecece; border-top-style: solid; b=
order-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms=
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>=0D=0A          <td align=3D"center" style=3D"mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20p=
x 0px 0px;"><table class=3D"center" align=3D"center" border=3D"0" cellspaci=
ng=3D"0" cellpadding=3D"0" width=3D"60%" style=3D"text-align: center; borde=
r-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0D=0A =
             <tbody>=0D=0A                <tr>=0D=0A                  <td a=
lign=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 0px;"><a href=3D"https://link.upgrade.com/f/a/Wpef0dmdV0dQHaJ2HSb4qQ=
~~/AAQRxQA~/RgRpCTR3P0R9aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY2V=
ib29rP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2=
VuZDA0JnV0bV9jb250ZW50PWZhY2Vib29rX2xpbmtXA3NwY0IKZxJ3ryZnw3o4QFIUaW5mb0Bzd=
GVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" alias=3D"facebook" style=3D"=
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ust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze-image=
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: bicubic; padding: 0px; border-width: 0;" /></a>=0D=0A                  </=
td>=0D=0A                  <td align=3D"center" valign=3D"middle" width=3D"=
100" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"https://link.upgrad=
e.com/f/a/mXiRtU5lh7Xjz_wFSe-vGA~~/AAQRxQA~/RgRpCTR3P0R9aHR0cHM6Ly93d3cuaW5=
zdGFncmFtLmNvbS91cGdyYWRlX2NyZWRpdC8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaX=
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3NwY0IKZxJ3ryZnw3o4QFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_bla=
nk" alias=3D"instagram" style=3D"color: #4899C4 !important; mso-line-height=
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0;" /></a>=0D=0A                  </td>=0D=0A                  <td align=3D=
"center" valign=3D"middle" width=3D"100" style=3D"mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: =
0px;"><a href=3D"https://link.upgrade.com/f/a/wXQN4kM7b86lWsvrRFNHTQ~~/AAQR=
xQA~/RgRpCTR3P0R-aHR0cHM6Ly93d3cudXBncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2=
h0cy8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZ=
W5kMDQmdXRtX2NvbnRlbnQ9YmxvZ19saW5rVwNzcGNCCmcSd68mZ8N6OEBSFGluZm9Ac3Rlcmxp=
bmdjYWwuY29tWAQAAAIV" target=3D"_blank" alias=3D"blog" style=3D"color: #489=
9C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; =
-webkit-text-size-adjust: 100%;"><img src=3D"https://braze-images.com/appbo=
y/communication/assets/image_assets/images/65fb6459172062004de47b44/origina=
l.png=3F1710974041" border=3D"0" alt=3D"blog" title=3D"blog" width=3D"47" h=
eight=3D"auto" style=3D"text-align: center; width: 47px; height: auto; outl=
ine: none; text-decoration: none; -ms-interpolation-mode: bicubic; padding:=
 0px; border-width: 0;" /></a>=0D=0A                  </td>=0D=0A          =
      </tr>=0D=0A              </tbody>=0D=0A            </table></td>=0D=
=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-family:=
 Graphik, Helvetica, Arial, sans-serif; font-size: 12px; line-height: 16px;=
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px; line-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adjust:=
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ter">This email contains advertising content and was sent to <span style=3D=
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 based on your communication preferences. </td>=0D=0A        </tr>=0D=0A   =
     <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Aria=
l, sans-serif; font-size: 12px; line-height: 16px; color: #37383A; mso-line=
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: 100%; padding: 10px 0px 0px;" align=3D"center">No longer want to receive =
these emails=3F <a href=3D"https://link.upgrade.com/f/a/Ji9NZDSSEB3yfRCKw2M=
1Lw~~/AAQRxQA~/RgRpCTR3P4QFAmh0dHBzOi8vMDUuZW1haWxpbmJvdW5kcHJvY2Vzc2luZy5j=
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VzQ3QlMEFHMFRFTk1vbG9SOXpIZGJnaU92Zmt1QzdPSmlEM1RrZzlCdE5DVWlKS2Jlbnp0SER6d=
FVNamlwMVN3VkolMEFDWEl0b0JyUXZPcU1hNmhMdEQ5RXJveG5uQnBhTmoxazdmWmxpWjFqUllX=
c081SlNucnFKJTJCRVFBTkJkVSUwQXN5SSUzRCYxPTFXA3NwY0IKZxJ3ryZnw3o4QFIUaW5mb0B=
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just: 100%;">Unsubscribe</a></td>=0D=0A        </tr>=0D=0A        <tr>=0D=
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: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padd=
ing: 10px 0px 0px;" align=3D"center"><img src=3D"https://braze-images.com/a=
ppboy/communication/assets/image_assets/images/64a74a9cc06c460050dbcfc2/ori=
ginal.png=3F1688685212" width=3D"120" height=3D"auto" border=3D"0" style=3D=
"height: auto; outline: none; text-decoration: none; -ms-interpolation-mode=
: bicubic; border-width: 0;" /></td>=0D=0A        </tr>=0D=0A        <tr>=
=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Arial, sans-s=
erif; font-size: 12px; line-height: 16px; color: #37383A; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 10px 0px 0px;" align=3D"center">Upgrade is located at 275 Battery S=
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      <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Ari=
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xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding=
: 10px 0px 0px;" align=3D"center"><span class=3D"goomoji">=C2=A9</span> 202=
4 Upgrade, Inc. All rights reserved. </td>=0D=0A        </tr>=0D=0A        =
<tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Arial, sa=
ns-serif; font-size: 12px; line-height: 16px; color: #37383A; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%; padding: 10px 0px 0px;" align=3D"center"><a alias=3D"cta3_txt_privacy" h=
ref=3D"https://link.upgrade.com/f/a/vH-wjbZA5wKkxgEyLU2QkQ~~/AAQRxQA~/RgRpC=
TR3P0QfaHR0cHM6Ly93d3cudXBncmFkZS5jb20vcHJpdmFjeVcDc3BjQgpnEnevJmfDejhAUhRp=
bmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D"font-family: Helvetica, Aria=
l, sans-serif; font-size: 12px; color: #4899C4 !important; text-decoration:=
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>=0D=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-h=
eight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
100%; padding: 10px 0px 0px;"><img src=3D"https://braze-images.com/appboy/c=
ommunication/assets/image_assets/images/62c712c2931f9e0069af31f2/original.p=
ng=3F1657213634" alt=3D"Equal Housing Lender" title=3D"Equal Housing Lender=
" border=3D"0" style=3D"height: auto; outline: none; text-decoration: none;=
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tr>=0D=0A<span style=3D"font-size: 0px; line-height: 1;">=0D=0A=0D=0A</span=
>=0D=0A      </table></td>=0D=0A  </tr>=0D=0A</table>=0D=0A</td>=0D=0A     =
             </tr>=0D=0A                  <tr>=0D=0A                    <td=
 style=3D"font-family: Helvetica, Arial, sans-serif; font-size: 12px; line-=
height: 18px; color: #ffffff; padding-top: 10px; mso-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"=
left">PL_ITA_DECL_OLD_S4</td>=0D=0A                  </tr>=0D=0A           =
     </tbody>=0D=0A              </table></td>=0D=0A          </tr>=0D=0A  =
      </tbody>=0D=0A      </table>=0D=0A      =0D=0A      <!--/FOOTER ENDS =
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