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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0AAre you ready to say g=
oodbye to your high-interest credit cards=0Aand debt=3F=0A=0Aupgrade_logo (=
 https://link.upgrade.com/f/a/IKu9iXoiyUCod1PozGVNkQ~~/AAQRxQA~/RgRpDi2qP0Q=
XaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZyuqqCtnYugdrVIUaW5mb0BzdGVybGluZ2=
NhbC5jb21YBAAAAhU~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AFree Yourself=
 from High-Interest Credit Cards=0AHi,=0AAre you ready to say goodbye to yo=
ur high-interest credit cards=0Aand debt=3F With a personal loan through Up=
grade, you can circle=0Athe date that you could be debt free. It=E2=80=99s =
time to check your=0Arate and plan for your financial freedom.   Upgrade ha=
s helped=0Athousands of people get on their way to financial freedom =E2=80=
=93 and=0Ayou could be next!     =E2=80=93 Low, fixed interest rates that n=
ever=0Achange       =E2=80=93 Affordable monthly payments       =E2=80=93 N=
o prepayment=0Apenalty if you decide to pay off your loan early=0A=0A=0A=0A=
Check Your Rate (=0Ahttps://link.upgrade.com/f/a/EH86nmAgC1wmsHVru7U0GA~~/A=
AQRxQA~/RgRpDi2qP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmV=
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2FsLmNvbVgEAAACFQ~~=0A)        Thanks,=0AThe Upgrade Team   P.S. Check your=
 rate now (=0Ahttps://link.upgrade.com/f/a/218KwZaoq5cg7eUJdhtlZg~~/AAQRxQA=
~/RgRpDi2qP0QqaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsVwNzc=
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_old&utm_medium=3Demail&utm_campaign=3Dsend02&utm_content=3Demail_txt=0A) a=
nd get on your path to financial freedom!              If you=0Ahave questi=
ons, we're here to help.     support@upgrade.com=0APersonal loans made thro=
ugh Upgrade feature Annual Percentage=0ARates (APRs) of 9.99%-35.99%. All p=
ersonal loans have a 1.85% to=0A9.99% origination fee, which is deducted fr=
om the loan proceeds.=0ALowest rates require Autopay and paying off a porti=
on of existing=0Adebt directly. Loans feature repayment terms of 24 to 84 m=
onths.=0AFor example, if you receive a $10,000 loan with a 36-month term=0A=
and a 17.59% APR (which includes a 13.94% yearly interest rate=0Aand a 5% o=
ne-time origination fee), you would receive $9,500 in=0Ayour account and wo=
uld have a required monthly payment of=0A$341.48. Over the life of the loan=
, your payments would total=0A$12,293.46. The APR on your loan may be highe=
r or lower and your=0Aloan offers may not have multiple term lengths availa=
ble. Actual=0Arate depends on credit score, credit usage history, loan term=
,=0Aand other factors. Late payments or subsequent charges and fees=0Amay i=
ncrease the cost of your fixed rate loan. There is no fee or=0Apenalty for =
repaying a loan early.=0A All loans, Personal Credit=0ALines, and checking =
and savings accounts are provided by=0AUpgrade's bank partners ( https://li=
nk.upgrade.com/f/a/9_3Kb4afPrpoRlQ7Lt1ZxQ~~/AAQRxQA~/RgRpDi2qP0QmaHR0cHM6Ly=
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GVybGluZ2NhbC5jb21YBAAAAhU~ ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=
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k.upgrade.com/f/a/9_3Kb4afPrpoRlQ7Lt1ZxQ~~/AAQRxQA~/RgRpDi2qP0QmaHR0cHM6Ly9=
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VybGluZ2NhbC5jb21YBAAAAhU~ ), pursuant to a license=0Afrom Visa USA Inc.=0A=
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is a financial technology company, not a bank =0A( https://link.upgrade.com=
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ellspacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; min-width: 90% !=
important; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=
=0A        <tbody>=0D=0A          <tr>=0D=0A            <td align=3D"center=
" valign=3D"top" style=3D"mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%;">=0D=0A                <tbody>=0D=0A          =
        <tr>=0D=0A                    <td style=3D"font-size: 0; mso-line-h=
eight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
100%; padding: 15px 0;" valign=3D"top"><table border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-ta=
ble-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%; -webk=
it-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspaci=
ng=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% !importa=
nt;">=0A  <tbody>=0A    <tr>=0A      <td align=3D"center" valign=3D"top" st=
yle=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;">=0A          <tbody>=0A            <tr>=0A              <td st=
yle=3D"font-size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 0px;" valign=3D"top"><table b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; borde=
r-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A                  =
<tbody>=0A                    <tr>=0A                      <td align=3D"cen=
ter" valign=3D"middle" style=3D"mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" =
href=3D"https://link.upgrade.com/f/a/IKu9iXoiyUCod1PozGVNkQ~~/AAQRxQA~/RgRp=
Di2qP0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZyuqqCtnYugdrVIUaW5mb0BzdGV=
ybGluZ2NhbC5jb21YBAAAAhU~" style=3D"font-family: Graphik, Helvetica, Arial,=
 sans-serif; text-align: center; font-size: 20px; color: #4899C4 !important=
; text-decoration: none; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;"><img alt=3D"upgrade_logo" border=
=3D"0" height=3D"33" src=3D"https://braze-images.com/appboy/communication/a=
ssets/image_assets/images/63348ce6db77c73d707010e4/original.png=3F166438832=
6" style=3D"outline: 0px; width: 144px; height: auto; font-family: Graphik,=
 Helvetica, Arial, sans-serif; font-size: 24px; color: rgb(0, 175, 106); te=
xt-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                </ta=
ble></td>=0A            </tr>=0A          </tbody>=0A        </table></td>=
=0A    </tr>=0A  </tbody>=0A</table>=0A<!-- X-250ok-CID: upgrade_pl_ita_dec=
lined_old_send02-->=0A=0A<span style=3D"font-size: 0px; line-height: 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              </table></td>=
=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      =
=0D=0A      <!--/HEADER ENDS HERE--> =0D=0A      =0D=0A      <!--PRIMARY-->=
=0D=0A      =0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A        =0D=0A =
       <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 40px 0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" sty=
le=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tab=
le-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-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"=
left">Free Yourself from High-Interest Credit Cards</td>=0D=0A             =
   </tr>=0D=0A                <tr>=0D=0A                  <td style=3D"padd=
ing-top: 15px; 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"><span style=
=3D"font-size: 0px; line-height: 1;"></span>Hi,</td>=0D=0A                <=
/tr>=0D=0A                <tr>=0D=0A                  <td style=3D"font-fam=
ily: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; color: #3=
7383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left">Are you ready=
 to say goodbye to your high-interest credit cards and debt=3F With a perso=
nal loan through Upgrade, you can circle the date that you could be debt fr=
ee. It=E2=80=99s time to check your rate and plan for your financial freedo=
m.</td>=0D=0A                </tr>=0D=0A                <tr>=0D=0A         =
         <td style=3D"font-family: Helvetica, Arial, serif; font-size: 16px=
; line-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;=
" align=3D"left">Upgrade has helped thousands of people get on their way to=
 financial freedom =E2=80=93 and you could be next!</td>=0D=0A             =
   </tr>=0D=0A                <tr>=0D=0A                      <td style=3D"=
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%;"><table style=3D"border-collapse: collapse; mso-table-lspac=
e: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%;">=0D=0A                          <tr>=0D=0A                =
            <td valign=3D"top" align=3D"left" width=3D"25" style=3D"font-fa=
mily: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; color: #=
0E680E; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%; padding: 15px 5px 0px 20px;"><strong>=E2=80=93</str=
ong></td>=0D=0A                            <td valign=3D"top" width=3D"515"=
 style=3D"padding-top: 15px; font-family: Helvetica, Arial, serif; font-siz=
e: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left"=
>Low, fixed interest rates that never change</td>=0D=0A                    =
      </tr>=0D=0A                        </table></td>=0D=0A               =
     </tr>=0D=0A                     <tr>=0D=0A                      <td st=
yle=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;"><table style=3D"border-collapse: collapse; mso-tabl=
e-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;">=0D=0A                          <tr>=0D=0A         =
                   <td valign=3D"top" align=3D"left" width=3D"25" style=3D"=
font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; c=
olor: #0E680E; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%; padding: 15px 5px 0px 20px;"><strong>=E2=80=
=93</strong></td>=0D=0A                            <td valign=3D"top" width=
=3D"515" style=3D"padding-top: 15px; font-family: Helvetica, Arial, serif; =
font-size: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=
=3D"left">Affordable monthly payments</td>=0D=0A                          <=
/tr>=0D=0A                        </table></td>=0D=0A                    </=
tr>=0D=0A                    <tr>=0D=0A                      <td style=3D"m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;"><table style=3D"border-collapse: collapse; mso-table-lspace=
: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;">=0D=0A                          <tr>=0D=0A                 =
           <td valign=3D"top" align=3D"left" width=3D"25" style=3D"font-fam=
ily: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; color: #0=
E680E; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 15px 5px 0px 20px;"><strong>=E2=80=93</stro=
ng></td>=0D=0A                            <td valign=3D"top" width=3D"515" =
style=3D"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%; padding: 15px 0px 20px;" align=3D"l=
eft">No prepayment penalty if you decide to pay off your loan early</td>=0D=
=0A                          </tr>=0D=0A                        </table></t=
d>=0D=0A                    </tr>=0D=0A                    =0D=0A          =
                      =0D=0A              <!--/BUTTON STARTS HERE-->=0D=0A =
             <span style=3D"font-size: 0px; line-height: 1;">=0D=0A=0D=0A</=
span>=0D=0A=0D=0A=0D=0A=0D=0A<tr>=0D=0A  <td valign=3D"top" align=3D"center=
" width=3D"515" style=3D"font-family: Graphik, Helvetica, Arial, serif; fon=
t-size: 16px; line-height: 24px; color: #ffffff !important; mso-line-height=
-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
 padding: 0px;"><!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"cente=
r" class=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" sty=
le=3D"width: 275px; border-collapse: separate; -webkit-border-radius: 8px; =
-moz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
 border: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A=
              <td height=3D"45" style=3D"height: 40px; color: #ffffff; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Check Your Rate=
" href=3D"https://link.upgrade.com/f/a/EH86nmAgC1wmsHVru7U0GA~~/AAQRxQA~/Rg=
RpDi2qP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb=
3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAyJnV0bV9j=
b250ZW50PWVtYWlsX2N0YVcDc3BjQgpnK6qoK2di6B2tUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVg=
EAAACFQ~~" style=3D"display: inline-block; font-size: 16px; line-height: 24=
px; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; c=
olor: #ffffff !important; text-decoration: none !important; letter-spacing:=
 0.5px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![e=
ndif]-->Check Your Rate<!--[if mso]>&nbsp;&nbsp;&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 ENDS HERE-->=0D=0A=0D=0A         =
     <tr>=0D=0A                <td style=3D"padding-top: 25px; font-family:=
 Helvetica, Arial, serif; font-size: 16px; line-height: 22px; color: #37383=
A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;" align=3D"left">Thanks,<br />=0D=0A                 The =
Upgrade Team</td>=0D=0A              </tr>=0D=0A              <tr>=0D=0A   =
               <td style=3D"padding-top: 25px; font-family: Helvetica, Aria=
l, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%;" align=3D"left">P.S. <a href=3D"https://link.upgrade.com/f/a/BFNcsXbXM0a=
MVwAC6I8O5w~~/AAQRxQA~/RgRpDi2qP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVs=
L25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2F=
tcGFpZ249c2VuZDAyJnV0bV9jb250ZW50PWVtYWlsX3R4dFcDc3BjQgpnK6qoK2di6B2tUhRpbm=
ZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D"color: #4899C4 !important; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%;">Check your rate now</a> and get on your path to financial fre=
edom!</td>=0D=0A                </tr>=0D=0A              </tbody>=0D=0A    =
          =0D=0A            </table></td>=0D=0A        </tr>=0D=0A        <=
/tbody>=0D=0A        =0D=0A      </table>=0D=0A      =0D=0A      <!--/PRIMA=
RY--> =0D=0A      =0D=0A      <!-- CONTACT MODULE 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"#F5F4F3">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A       =
     <td style=3D"padding-top: 0px; font-family: Helvetica, Arial, sans-ser=
if; font-size: 12px; line-height: 18px; color: #37383A; mso-line-height-rul=
e: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" al=
ign=3D"center"><table align=3D"center" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" style=3D"width: 100%; border-bottom-width: 1px; border-bottom-=
color: #cccccc; border-bottom-style: solid; max-width: 600px; border-collap=
se: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <=
tr>=0D=0A    <td class=3D"mbl_text_cs" style=3D"padding-top: 25px; font-fam=
ily: Helvetica, Arial, serif; font-size: 16px; line-height: 20px; color: #3=
7383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;" align=3D"center">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: Helvetica, Arial, serif; font-size: 16px; li=
ne-height: 20px; color: #37383A; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 3px 3px 25px;" al=
ign=3D"center">=0D=0A      <a href=3D"mailto:support@upgrade.com" style=3D"=
font-family: Helvetica, Arial, serif; color: #4899C4 !important; text-decor=
ation: underline; vertical-align: middle; display: inline-block; mso-line-h=
eight-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></t=
d>=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A    =
  =0D=0A      <!-- /CONTACT MODULE ENDS HERE--> =0D=0A      =0D=0A      <!-=
-FOOTER STARTS HERE-->=0D=0A      =0D=0A      <table border=3D"0" cellpaddi=
ng=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse;=
 mso-table-lspace: 0pt; mso-table-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-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%; padding: 20px 0;"><table border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;">=0D=0A                <tbody>=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">Personal 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, which is deducted from the loan proceeds. L=
owest rates require Autopay and paying off a portion of existing debt direc=
tly. Loans feature repayment terms of 24 to 84 months. For example, if you =
receive a $10,000 loan with a 36-month term and a 17.59% APR (which include=
s a 13.94% yearly interest rate and a 5% one-time origination fee), you wou=
ld receive $9,500 in your account and would have a required monthly payment=
 of $341.48. Over the life of the loan, your payments would total $12,293.4=
6. The APR on your loan may be higher or lower and your loan offers may not=
 have multiple term lengths available. Actual rate depends on credit score,=
 credit usage history, loan term, and other factors. Late payments or subse=
quent 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 C=
redit Lines, and checking and savings accounts are provided by Upgrade's <a=
 href=3D"https://link.upgrade.com/f/a/9_3Kb4afPrpoRlQ7Lt1ZxQ~~/AAQRxQA~/RgR=
pDi2qP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZyuqqC=
tnYugdrVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" style=3D"=
vertical-align: top; color: #4899C4 !important; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank partn=
ers</a>. Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1; vertica=
l-align: top;">=C2=AE</sup> Cards and Upgrade Visa<sup style=3D"font-size: =
12px; line-height: 1; vertical-align: top;">=C2=AE</sup> Debit Cards are is=
sued by Upgrade's <a href=3D"https://link.upgrade.com/f/a/9_3Kb4afPrpoRlQ7L=
t1ZxQ~~/AAQRxQA~/RgRpDi2qP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bm=
Vycy9XA3NwY0IKZyuqqCtnYugdrVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" 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%;">bank partners</a>, pursuant to a license from Visa USA Inc. <br =
/>=0A<br />=0AUpgrade, Inc. (NMLS #1548935) holds the following <a href=3D"=
https://link.upgrade.com/f/a/ZEVXY5eOncKeTfEbxZWryQ~~/AAQRxQA~/RgRpDi2qP0Rs=
aHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA=
3MzEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcG=
NCCmcrqqgrZ2LoHa1SFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" target=3D"_blank" s=
tyle=3D"vertical-align: top; color: #4899C4 !important; mso-line-height-rul=
e: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">st=
ate licenses</a> and does business under the following <a href=3D"https://l=
ink.upgrade.com/f/a/_kNzH__q1ZrGSQr2upDHXQ~~/AAQRxQA~/RgRpDi2qP0QcaHR0cHM6L=
y93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnK6qoK2di6B2tUhRpbmZvQHN0ZXJsaW5nY2Fs=
LmNvbVgEAAACFQ~~" target=3D"_blank" style=3D"vertical-align: top; color: #4=
899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%;">DBAs</a>. <br />=0A<br />=0AUpgrade is a=
 <a href=3D"https://link.upgrade.com/f/a/Cnipzlyo92Pvv74ESPYgsQ~~/AAQRxQA~/=
RgRpDi2qP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzE=
xNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmcrqqgrZ2LoHa1SFGluZm9Ac3=
RlcmxpbmdjYWwuY29tWAQAAAIV" target=3D"_blank" style=3D"vertical-align: top;=
 color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%;">financial technology company, =
not a bank</a>.=0A=0A</td>=0D=0A                  </tr>=0D=0A              =
    =0D=0A                  <tr>=0D=0A                    <td style=3D"padd=
ing-top: 15px; font-family: Helvetica, Arial, sans-serif; font-size: 12px; =
line-height: 18px; color: #37383A; mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left"><table a=
lign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"w=
idth: 100%; max-width: 600px; border-collapse: collapse; mso-table-lspace: =
0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 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;"><table border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" style=3D"width: 100%; border-top-width: 1px; border-top-color: =
#cecece; border-top-style: solid; border-collapse: collapse; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;">=0D=0A        <tr>=0D=0A          <td align=3D"center" st=
yle=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 20px 0px 0px;"><table class=3D"center" alig=
n=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"60%"=
 style=3D"text-align: center; border-collapse: collapse; mso-table-lspace: =
0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%; padding: 0px;">=0D=0A              <tbody>=0D=0A              =
  <tr>=0D=0A                  <td align=3D"center" valign=3D"middle" width=
=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"https://link.up=
grade.com/f/a/pQRRULmtMc-TaWRwLHRDtA~~/AAQRxQA~/RgRpDi2qP0R9aHR0cHM6Ly93d3c=
uZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY2Vib29rP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX2=
1lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAyJnV0bV9jb250ZW50PWZhY2Vib29rX2xpb=
mtXA3NwY0IKZyuqqCtnYugdrVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"=
_blank" alias=3D"facebook" style=3D"color: #4899C4 !important; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;"><img src=3D"https://braze-images.com/appboy/communication/assets/image=
_assets/images/65fb645920ede0004c647b15/original.png=3F1710974041" border=
=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" height=3D"auto" sty=
le=3D"text-align: center; width: 24px; height: auto; outline: none; text-de=
coration: none; -ms-interpolation-mode: 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%; -webkit-text-size-adjust: 100%; paddin=
g: 0px;"><a href=3D"https://link.upgrade.com/f/a/vpYcX7LpjrwXDUXRlymBgw~~/A=
AQRxQA~/RgRpDi2qP0R9aHR0cHM6Ly93d3cuaW5zdGFncmFtLmNvbS91cGdyYWRlX2NyZWRpdC8=
_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMD=
ImdXRtX2NvbnRlbnQ9aW5zdGFncmFtX2xpbmtXA3NwY0IKZyuqqCtnYugdrVIUaW5mb0BzdGVyb=
GluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" alias=3D"instagram" style=3D"col=
or: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze-images.c=
om/appboy/communication/assets/image_assets/images/65fb64594f39dd004c62621d=
/original.png=3F1710974041" border=3D"0" alt=3D"instagram" title=3D"instagr=
am" width=3D"24" height=3D"auto" style=3D"text-align: center; width: 24px; =
height: auto; outline: none; text-decoration: none; -ms-interpolation-mode:=
 bicubic; padding: 0px; border-width: 0;" /></a>=0D=0A                  </t=
d>=0D=0A                  <td align=3D"center" valign=3D"middle" width=3D"1=
00" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"https://link.upgrade=
.com/f/a/kXlnyg3lffcXfJyMPmvT3A~~/AAQRxQA~/RgRpDi2qP0R-aHR0cHM6Ly93d3cudXB=
ncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG=
1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMDImdXRtX2NvbnRlbnQ9YmxvZ19saW5rV=
wNzcGNCCmcrqqgrZ2LoHa1SFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" target=3D"_bla=
nk" alias=3D"blog" style=3D"color: #4899C4 !important; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><im=
g src=3D"https://braze-images.com/appboy/communication/assets/image_assets/=
images/65fb6459172062004de47b44/original.png=3F1710974041" border=3D"0" alt=
=3D"blog" title=3D"blog" width=3D"47" height=3D"auto" style=3D"text-align: =
center; width: 47px; height: auto; outline: none; text-decoration: none; -m=
s-interpolation-mode: bicubic; padding: 0px; border-width: 0;" /></a>=0D=0A=
                  </td>=0D=0A                </tr>=0D=0A              </tbo=
dy>=0D=0A            </table></td>=0D=0A        </tr>=0D=0A        <tr>=0D=
=0A          <td style=3D"font-family: Graphik, Helvetica, Arial, sans-seri=
f; font-size: 12px; line-height: 16px; font-weight: 500; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 15px 0px 0px;" align=3D"center">Please do not reply directly to this=
 message as it was sent from an unattended mailbox. </td>=0D=0A        </tr=
>=0D=0A        <tr>=0D=0A          <td style=3D"font-family: Graphik, Helve=
tica, Arial, sans-serif; font-size: 12px; line-height: 16px; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 10px 0px 0px;" align=3D"center">This email contains advertising =
content and was sent to <span style=3D"font-family: Helvetica, Arial, sans-=
serif; font-size: 12px; color: #37383A; text-decoration: none;" alias=3D"Vi=
ew_Online">info@sterlingcal.com</span> based on your communication preferen=
ces. </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; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-=
adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=
=3D"center">No longer want to receive these emails=3F <a href=3D"https://li=
nk.upgrade.com/f/a/odfzSod2FRswzGLKB_at8g~~/AAQRxQA~/RgRpDi2qP4QFAmh0dHBzOi=
8vMDUuZW1haWxpbmJvdW5kcHJvY2Vzc2luZy5jb20vZW5jX3VzZXIvdW5zdWJzY3JpYmU_ZD0lM=
jQxJTI0Sk5idTFESko4Wnh4RGNZSWRJS29adyUzRCUzRCUyNHppeDBKeFF1NTNMS0FhZUJFS2FO=
Y3klMkJnU3B0d2FybFdMJTJCU0RLQVVoSm9MVnJWJTJCb3BMdlB5MkFHaEM0VSUwQXFXNERCczd=
GdjVNQ1Q5WWdWUmtDJTJGaSUyQm9seUwlMkZFYlU4bUkxajl3ak9RTXNtJTJGVTlDalFLTjIlMk=
JDMmVXUFglMEFnc09UdlA5UFNVRjBHMXpyYlBHTmhCbTByQlQ1ejJac3dVVFk0S2Z3JTJGNUp4T=
m9seVVGYzFldXdwR25BbCUwQVB3RkNTWXhqTzZyWklsQ0RlWUNkTXlQU2xrYzJSRVBaakgzMW4l=
MkIxZEJhYkVIb2xHRUNubkU1NmslMkYwTkMlMEFOcmVmMlUyeE5GNGhUV0p1WEppdjRlU0pTejZ=
vZzd5TVVBdkNPZm5Dc2RvQmlaeU5CdnhGU0luc3ZEOTYlMEFlTDNycmh3UEhPN3hIbyUyQjRZJT=
JGYjZuSFV4Q0dlemwlMkJVN3BkSzRMTTFOcnpBYTdYRkpHTjdJamtLdSUyQmlFcCUwQWRKZyUzR=
CYxPTFXA3NwY0IKZyuqqCtnYugdrVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" alias=
=3D"Unsubscribe" style=3D"font-family: Helvetica, Arial, sans-serif; font-s=
ize: 12px; color: #4899C4 !important; text-decoration: underline; vertical-=
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size-adjust: 100%; -webkit-text-size-adjust: 100%;">Unsubscribe</a></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;=
 color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%;=
 -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center"><=
img src=3D"https://braze-images.com/appboy/communication/assets/image_asset=
s/images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" width=3D"120" =
height=3D"auto" border=3D"0" style=3D"height: auto; outline: none; text-dec=
oration: none; -ms-interpolation-mode: bicubic; border-width: 0;" /></td>=
=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-fami=
ly: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; line-height: 16=
px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center=
">Upgrade is located at 275 Battery Street, 23rd Floor, San Francisco, CA, =
94111</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; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center"><spa=
n class=3D"goomoji">=C2=A9</span> 2024 Upgrade, Inc. All rights reserved. <=
/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; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"ce=
nter"><a alias=3D"cta3_txt_privacy" href=3D"https://link.upgrade.com/f/a/oh=
nDM5EFu0KSZv4YjzCt_A~~/AAQRxQA~/RgRpDi2qP0QfaHR0cHM6Ly93d3cudXBncmFkZS5jb20=
vcHJpdmFjeVcDc3BjQgpnK6qoK2di6B2tUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" =
style=3D"font-family: Helvetica, Arial, sans-serif; font-size: 12px; color:=
 #4899C4 !important; text-decoration: underline; mso-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Privacy P=
olicy</a> </td>=0D=0A        </tr>=0D=0A<span style=3D"font-size: 0px; line=
-height: 1;">=0D=0A=0D=0A=0D=0A</span>=0D=0A        <tr>=0D=0A          <td=
 align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;"><img src=
=3D"https://braze-images.com/appboy/communication/assets/image_assets/image=
s/62c712c2931f9e0069af31f2/original.png=3F1657213634" alt=3D"Equal Housing =
Lender" title=3D"Equal Housing Lender" border=3D"0" style=3D"height: auto; =
outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; bord=
er-width: 0;" /></td>=0D=0A        </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, Aria=
l, sans-serif; font-size: 12px; line-height: 18px; color: #ffffff; padding-=
top: 10px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;" align=3D"left">PL_ITA_DECL_OLD_S2</td>=0D=0A   =
               </tr>=0D=0A                </tbody>=0D=0A              </tab=
le></td>=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=
=0A      =0D=0A      <!--/FOOTER ENDS HERE--></td>=0D=0A    <!--/ALL CONTEN=
T ENDS HERE-->=0D=0A    <td style=3D"font-size: 0; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;<=
/td>=0D=0A  </tr>=0D=0A  </tbody>=0D=0A  =0D=0A</table>=0D=0A<custom name=
=3D"opencounter" type=3D"tracking"></custom>=0D=0A=0D=0A=0D=0A<img border=
=3D"0" width=3D"1" height=3D"1" alt=3D"" src=3D"https://link.upgrade.com/q/=
nJ_QhmPTdBVDd3cfKfURAA~~/AAQRxQA~/RgRpDi2qPlcDc3BjQgpnK6qoK2di6B2tUhRpbmZvQ=
HN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~">=0D=0A</body>=0A</html>
--_----W01t3TY46GaozQquk85zoQ===_E4/D9-19742-AA8AB276--

