Return-Path: <msprvs1=20042k7qTrcx6=bounces-266693-533@e.upgrade.com>
Delivered-To: info@sterlingcal.com
Received: from reseller401.webserversystems.com
	by reseller401.webserversystems.com with LMTP
	id KLyVF2A1LmcD+AgAchKAPA
	(envelope-from <msprvs1=20042k7qTrcx6=bounces-266693-533@e.upgrade.com>)
	for <info@sterlingcal.com>; Fri, 08 Nov 2024 09:59:28 -0600
Return-path: <msprvs1=20042k7qTrcx6=bounces-266693-533@e.upgrade.com>
Envelope-to: info@sterlingcal.com
Delivery-date: Fri, 08 Nov 2024 09:59:28 -0600
Received: from bz1170.e.upgrade.com ([223.165.123.182]:25671)
	by reseller401.webserversystems.com with esmtps  (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256
	(Exim 4.96.2)
	(envelope-from <msprvs1=20042k7qTrcx6=bounces-266693-533@e.upgrade.com>)
	id 1t9ROR-002SvB-2O
	for info@sterlingcal.com;
	Fri, 08 Nov 2024 09:59:28 -0600
X-MSFBL: 9pY82i3K581vOIZ/4b7tiVbHQiScQsxBdO82kCHigkg=|eyJyIjoiaW5mb0BzdGV
	ybGluZ2NhbC5jb20iLCJ0ZW5hbnRfaWQiOiJzcGMiLCJzdWJhY2NvdW50X2lkIjo
	iNTMzIiwiY3VzdG9tZXJfaWQiOiIyNjY2OTMiLCJtZXNzYWdlX2lkIjoiNjcyYjU
	0MzUyZTY3ZWEwYTIxMDUifQ==
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com;
	s=scph0422; t=1731081556; i=@e.upgrade.com;
	bh=HkhdWY3ToVbZ/4O7jWvXPm+VdLx5DThjVjP/1RxXLZA=;
	h=From:Message-ID:List-Unsubscribe:Subject:List-Unsubscribe-Post:To:
	 Date:Content-Type:From:To:Cc:Subject;
	b=hQKMKPbwBV1YCqmNQ8KvGY+2HXktbtXbOig7c546IPn3d7Ni+RBVFZvj+5t41XiJm
	 WN54uViBFWKlrhpbLZePGWYdxwxAd0tjohjtOjyO/whxPkSQHlSJTUOMdHLPjgWcru
	 iHg/ukkr+FIbZHXxnOGN9kMaBwuyr6K4t8z+Oyhk=
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <50.12.15237.4553E276@js.mta1vrest.cc.prd.sparkpost>
List-Unsubscribe: <https://05.emailinboundprocessing.com/enc_user/list_unsubscribe?d=%241%24AwwIfAzFwMm9E0hNWmRUhA%3D%3D%246EYOSkzyw76zrVjad0V5ShJlrOOguBojMsIDcQx682N7CUwEZ3RLHIkeLJ2T%0A88oeK0NfQXK3sIL06zEBo%2F0ZrTjnIitS8npHzO6%2FyuOztyE%2BQXxjYiP88yXG%0AXd28wcmV2JPr2YaMoY2oc6qB8kLdImXn7vRk%2BkhtiEhIvIHeF1WCkYWhDo8b%0A%2BCT%2Bc6orDEMiGFrCD80EqYTffS95LM9tZheU0UTAjRxXgqqxigj9fdWnR2AA%0AKk4VSE%2BbYnS2B9LO3qXFAudtydp0m8Q4kxA4CiWn%2B5ApdsVSEqdqxlNdBeCq%0A8Fv1lwPL9UbgPWPJBYw5v5XtIxiiXdEWkKY7yJe4mxyJwX9DKk5ycGTAEkph%0A%2B3A64Edwk1rghUEG%2BaD9WLoyUSTWSPBUkHPIc1IGf386hXyCfn8EPH0RTFxC%0Ao%2BjLA60%3D&1=1>,<mailto:4_ol74gen3b2hgqdcbl190nox3fm89hxdumhz5csejt8gbzrmbj6biu8@unsubscribe-05.emailinboundprocessing.com?subject=Unsubscribe%20pnrcgsqcbcy4cgg7r1ou1whyg2uvtwz0muowa5nwovcfd&body=DO_NOT_DELETE-b7me8imf4wtqzc1jzsp4h7lyhjan4bm1ezcphg8gytpef7qtsgu0l87dfy0gq4hbw9snd6ampyea7lw5gxlkd-DO_NOT_DELETE>
Subject: Loan invitation for Andrew
List-Unsubscribe-Post: List-Unsubscribe=One-Click
To: info@sterlingcal.com
Date: Fri, 08 Nov 2024 15:59:16 +0000
Content-Type: multipart/alternative; boundary="_----0Y+AWW04E1RhTElIe5dLgw===_EE/02-15237-4553E276"
MIME-Version: 1.0
Reply-To: noreply.email@upgrade.com
X-Spam-Status: No, score=-3.3
X-Spam-Score: -32
X-Spam-Bar: ---
X-Spam-Flag: NO

--_----0Y+AWW04E1RhTElIe5dLgw===_EE/02-15237-4553E276
Content-Transfer-Encoding: quoted-printable
Content-Type: text/plain; charset="UTF-8"

=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0AGetting a personal loa=
n through Upgrade can be the first step=0Atowards financial fitness and ach=
ieving your long-term goals.=0A=0Aupgrade_logo ( https://link.upgrade.com/f=
/a/l1-4Y3GWvcQWPpPOG7nhCg~~/AAQRxQA~/RgRpELpUP0QXaHR0cHM6Ly93d3cudXBncmFkZS=
5jb21XA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=0A=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0AGetting a personal loan throug=
h Upgrade can be the first step=0Atowards financial fitness and achieving y=
our long-term goals.=0AWith a personal loan through Upgrade you can:     =
=E2=80=93 Consolidate=0Ayour many payments to simplify your monthly budget =
      =E2=80=93 Pay=0Aoff high-interest debt so you can increase future sav=
ings       =E2=80=93=0ACircle the date that you could be debt free=0A=0A=0A=
=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f/a/XYEatQtUr1kMMT6_KvCnjA~=
~/AAQRxQA~/RgRpELpUP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVu=
bmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2V=
uZDAzJnV0bV9jb250ZW50PWVtYWlsX2N0YVcDc3BjQgpnK1Q1LmfqCiEFUhRpbmZvQHN0ZXJsaW=
5nY2FsLmNvbVgEAAACFQ~~=0A)       Choose from amounts you=0Aqualify for =E2=
=80=93 between $1,000 and $50,000 =E2=80=93 with a rate that will=0Anever i=
ncrease. Checking your rate only takes minutes. What are=0Ayou waiting for=
=3F   Thanks,=0AThe Upgrade Team   P.S. Check your rate now (=0Ahttps://lin=
k.upgrade.com/f/a/FZ5U9BTrJGQBxNtd6a5ewQ~~/AAQRxQA~/RgRpELpUP0QqaHR0cHM6Ly9=
3d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsVwNzcGNCCmcrVDUuZ-oKIQVSFGluZm=
9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV=3Futm_source=3Ddecl_old&utm_medium=3Demail&u=
tm_campaign=3Dsend03&utm_content=3Demail_txt=0A). We look forward to helpin=
g you achieve your financial goals.=0AIf you have questions, we're here to =
help.=0Asupport@upgrade.com               Personal loans made through=0AUpg=
rade feature Annual Percentage Rates (APRs) of 9.99%-35.99%.=0AAll personal=
 loans have a 1.85% to 9.99% origination fee, which=0Ais deducted from the =
loan proceeds. Lowest rates require Autopay=0Aand paying off a portion of e=
xisting debt directly. Loans feature=0Arepayment terms of 24 to 84 months. =
For example, if you receive a=0A$10,000 loan with a 36-month term and a 17.=
59% APR (which=0Aincludes a 13.94% yearly interest rate and a 5% one-time=
=0Aorigination fee), you would receive $9,500 in your account and=0Awould h=
ave a required monthly payment of $341.48. Over the life=0Aof the loan, you=
r payments would total $12,293.46. The APR on=0Ayour loan may be higher or =
lower and your loan offers may not=0Ahave multiple term lengths available. =
Actual rate depends on=0Acredit score, credit usage history, loan term, and=
 other factors.=0ALate payments or subsequent charges and fees may increase=
 the=0Acost of your fixed rate loan. There is no fee or penalty for=0Arepay=
ing a loan early.  All=0Aloans, Personal Credit Lines, and checking and sav=
ings accounts=0Aare provided by Upgrade's bank partners =0A( https://link.u=
pgrade.com/f/a/ufCiRzni-RXlFYNvvfZo_g~~/AAQRxQA~/RgRpELpUP0QmaHR0cHM6Ly93d3=
cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVyb=
GluZ2NhbC5jb21YBAAAAhU~ ). Upgrade Visa=C2=AE Cards and=0AUpgrade Visa=C2=
=AE Debit Cards are issued by Upgrade's bank partners =0A( https://link.upg=
rade.com/f/a/ufCiRzni-RXlFYNvvfZo_g~~/AAQRxQA~/RgRpELpUP0QmaHR0cHM6Ly93d3cu=
dXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGl=
uZ2NhbC5jb21YBAAAAhU~ ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUp=
grade, Inc. (NMLS #1548935) holds the following state licenses=0A=0A( https=
://link.upgrade.com/f/a/sUZGz_y2Ms7KLbv-NGEoCQ~~/AAQRxQA~/RgRpELpUP0RsaHR0c=
HM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA3MzEt=
T3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcGNCCmc=
rVDUuZ-oKIQVSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A and does business un=
der the following DBAs =0A( https://link.upgrade.com/f/a/M3wlK-myDxgBGN-As3=
Xoxw~~/AAQRxQA~/RgRpELpUP0QcaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgp=
nK1Q1LmfqCiEFUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ ).=0A=0AUpgrade is a =
financial technology company, not a bank =0A( https://link.upgrade.com/f/a/=
TjvqXZ6LNt8ZjFrnXegEOQ~~/AAQRxQA~/RgRpELpUP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc=
2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmst=
VwNzcGNCCmcrVDUuZ-oKIQVSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A. =0A   Ac=
cept your loan offer and=0Ayour funds will be sent to your bank or designat=
ed account within=0Aone (1) business day of clearing necessary verification=
s.=0AAvailability of the funds is dependent on how quickly your bank=0Aproc=
esses the transaction. From the time of approval, funds sent=0Adirectly to =
you should be available within one (1) business day.=0AFunds sent directly =
to pay off your creditors may take up to 2=0Aweeks to clear, depending on t=
he creditor.=0A=0Afacebook =0A( https://link.upgrade.com/f/a/ODe2WVCRhB8-RR=
tdcZ4H3Q~~/AAQRxQA~/RgRpELpUP0R9aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGV=
vbmZhY2Vib29rP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcG=
FpZ249c2VuZDAzJnV0bV9jb250ZW50PWZhY2Vib29rX2xpbmtXA3NwY0IKZytUNS5n6gohBVIUa=
W5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=0Ainstagram =0A( https://link.upgr=
ade.com/f/a/uNIHCx2rEgsk_IaJDJ9DUQ~~/AAQRxQA~/RgRpELpUP0R9aHR0cHM6Ly93d3cua=
W5zdGFncmFtLmNvbS91cGdyYWRlX2NyZWRpdC8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVk=
aXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMDMmdXRtX2NvbnRlbnQ9aW5zdGFncmFtX2xpbmt=
XA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=0Ablog =
=0A( https://link.upgrade.com/f/a/LYPhoQ-H6lNTdUcehdqRDA~~/AAQRxQA~/RgRpELp=
UP0R-aHR0cHM6Ly93d3cudXBncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3=
NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMDMmdXRtX=
2NvbnRlbnQ9YmxvZ19saW5rVwNzcGNCCmcrVDUuZ-oKIQVSFGluZm9Ac3RlcmxpbmdjYWwuY29t=
WAQAAAIV )=0A       Please do not reply directly to this message as it was=
=0Asent from an unattended mailbox.    This email contains=0Aadvertising co=
ntent and was sent to=0Ainfo@sterlingcal.com based on your communication=0A=
preferences.    No longer want to receive these emails=3F=0AUnsubscribe ( h=
ttps://link.upgrade.com/f/a/9ASVcR7FRviY51cT31cK9A~~/AAQRxQA~/RgRpELpUP4T5A=
Wh0dHBzOi8vMDUuZW1haWxpbmJvdW5kcHJvY2Vzc2luZy5jb20vZW5jX3VzZXIvdW5zdWJzY3Jp=
YmU_ZD0lMjQxJTI0OHpLU1ZTOFlkNTQ5SCUyQnJjVE9CWUp3JTNEJTNEJTI0TXBydFUwZkU3VG9=
mRHZQRFYwTXlHOTRXTnclMkZvYUYzRk1Ud1dBeFdyeFVaem9qOTVFUmhuSkdNN1dxVTklMEFieE=
NRSTJjbE85a3Z3TTNyaGEzbGVoZjRVdFJXbmtMSUxSVWlQUVBHMGFySEdDR2ZiT1BKZVNqSW9CZ=
jklMEFSNGh0amZQdXI4TVFzVmtuQ0tzU2g4b1c2czdrYXB0OU5TSkUlMkJRbCUyRjY4YzQ5M2Fy=
MTFVTVRuY1VEZ080JTBBMlBNeWhJUHJJQ0FiJTJGd0FCUFBPalA0dGVPYWdwaDFjVFVGcklxbCU=
yRjRKZHp1TE1PZlNONmwlMkZWSWtCUlBaJTBBdnFUYXRSWGd0T1M5empZQkJhMGl1bEtmY0R4UU=
EwT0s5OThKY2tnRHVSV3VKU2VrMVluSmZ5NWY5WWxGJTBBTEt6MiUyQkdabEx1OHVpeWRMQiUyR=
m9JcDUxMmszQUxZZEllSzdyVjNPaWZzb1pjdkRSV1RRWEVubE85YWU5VyUwQTdXVSUzRCYxPTFX=
A3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0AUpgrade is=
 located at 275 Battery Street, 23rd Floor, San=0AFrancisco, CA, 94111=0A=
=C2=A9 2024 Upgrade, Inc. All rights=0Areserved.=0APrivacy Policy ( https:/=
/link.upgrade.com/f/a/c5IYkwEKRHIxgm0XAQdXrQ~~/AAQRxQA~/RgRpELpUP0QfaHR0cHM=
6Ly93d3cudXBncmFkZS5jb20vcHJpdmFjeVcDc3BjQgpnK1Q1LmfqCiEFUhRpbmZvQHN0ZXJsaW=
5nY2FsLmNvbVgEAAACFQ~~ )=0A=0A   Equal Housing Lender=0A        PL_ITA_DECL=
_OLD_S3
--_----0Y+AWW04E1RhTElIe5dLgw===_EE/02-15237-4553E276
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="UTF-8"

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.=
w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">=0A<html xmlns=3D"http://www.=
w3.org/1999/xhtml">=0A  <head>=0A    <meta http-equiv=3D"Content-Type" cont=
ent=3D"text/html; charset=3DUTF-8" />=0A    <style>img {=0Aborder: 0; heigh=
t: auto; outline: none; text-decoration: none;=0A}=0Abody {=0Aheight: 100% =
!important; margin: 0 auto !important; padding: 0; width: 100% !important;=
=0A}=0A.cta_table:hover {=0Abackground-color: #0A4007 !important;=0A}=0A.ct=
a_table a:hover {=0Acolor: #ffffff !important;=0A}=0A.cta_table2:hover {=0A=
background-color: #E9F4E7 !important;=0A}=0A.cta_table2 a:hover {=0Acolor: =
#0E680E !important;=0A}=0Aa:hover {=0Acolor: #1F63D2 !important;=0A}=0Aimg =
{=0A-ms-interpolation-mode: bicubic;=0A}=0A.ReadMsgBody {=0Awidth: 100%;=0A=
}=0A.ExternalClass {=0Awidth: 100%;=0A}=0Abody {=0A-ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;=0A}=0A.ExternalClass {=0Aline-height: 1=
00%;=0A}=0A@media screen and (max-width:480px) {=0A  .mblHde {=0A    displa=
y: none !important;=0A  }=0A  .w100 {=0A    width: 100% !important; max-wid=
th: 100% !important;=0A  }=0A  .w100b {=0A    width: 50% !important;=0A  }=
=0A  .w95 {=0A    width: 95% !important; max-width: 95% !important;=0A  }=
=0A  .w85 {=0A    width: 85% !important; max-width: 85% !important;=0A  }=
=0A  .w80 {=0A    width: 80% !important; max-width: 80% !important;=0A  }=
=0A  .w35 {=0A    width: 35% !important; max-width: 35% !important;=0A  }=
=0A  .pdRmRgt {=0A    padding-right: 0 !important;=0A  }=0A  .pdRmAll {=0A =
   padding-top: 0 !important; padding-right: 0 !important; padding-bottom: =
0 !important; padding-left: 0 !important;=0A  }=0A  .mblPdLR {=0A    paddin=
g-left: 20px !important; padding-right: 20px !important;=0A  }=0A  .mblCntr=
 {=0A    margin: 0 auto !important;=0A  }=0A  .mbl {=0A    display: block !=
important; max-height: none !important;=0A  }=0A}=0A@media screen and (max-=
width:410px) {=0A  .mblLft {=0A    text-align: left !important;=0A  }=0A  .=
w100b {=0A    width: 100% !important;=0A  }=0A  .mbl_txt_link {=0A    font-=
size: 12px !important;=0A  }=0A  .mbl_text_cs {=0A    font-size: 14px !impo=
rtant;=0A  }=0A}=0A@media screen and (max-width:375px) {=0A  .mbl_txt_link =
{=0A    font-size: 12px !important; display: none !important;=0A  }=0A  .ct=
a_table {=0A    width: 90% !important;=0A  }=0A}=0A@media screen and (max-w=
idth:325px) {=0A  .mbl_txt_link {=0A    font-size: 10px !important; display=
: none !important;=0A  }=0A}=0A</style>=0A  </head>=0A  <body style=3D"heig=
ht: 100% !important; width: 100% !important; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; margin: 0 auto; padding: 0;"><span style=3D"f=
ont-size: 0px !important; line-height: 0px !important;">=0D=0A=0D=0A=0D=0A=
=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A</s=
pan>=0D=0A=0D=0A=0D=0A<meta http-equiv=3D"Content-Type" content=3D"text/htm=
l; charset=3Dutf-8" />=0D=0A<meta name=3D"viewport" content=3D"width=3Ddevi=
ce-width, initial-scale=3D1.0" />=0D=0A<!--[if !mso]><!-->=0D=0A<meta http-=
equiv=3D"X-UA-Compatible" content=3D"IE=3Dedge" />=0D=0A<!--<![endif]-->=0D=
=0A<title>Upgrade</title>=0D=0A=0D=0A<!--[if gte mso 9]><xml>=0D=0A  <o:Off=
iceDocumentSettings>=0D=0A  <o:AllowPNG/>=0D=0A  <o:PixelsPerInch>96</o:Pix=
elsPerInch>=0D=0A  </o:OfficeDocumentSettings>=0D=0A  </xml><![endif]-->=0D=
=0A=0D=0A=0D=0A=0D=0A<!--PREHEADER STARTS HERE-->=0D=0A<table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; 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-family: Helvetica, Arial, sans-serif; font-size:=
 1px; line-height: 1px; color: #f5f5f5; max-height: 0px; max-width: 0px; op=
acity: 0; overflow: hidden; display: none; mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">=
Getting a personal loan through Upgrade can be the first step towards finan=
cial fitness and achieving your long-term goals.</td>=0D=0A    </tr>=0D=0A =
 </tbody>=0D=0A</table>=0D=0A<!--/PREHEADER ENDS HERE--> =0D=0A<!--ALL CONT=
ENT STARTS HERE--> =0D=0A<!--HEADER STARTS HERE-->=0D=0A<table align=3D"cen=
ter" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mbl" style=
=3D"width: 100%; min-width: 100% !important; border-collapse: collapse; mso=
-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;" bgcolor=3D"#f5f5f5">=0D=0A  <tbody>=0D=0A  =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%;">&nbsp;</td>=
=0D=0A    <td align=3D"center" style=3D"width: 600px; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" vali=
gn=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D=
"mblHeader" style=3D"width: 100%; min-width: 90% !important; border-collaps=
e: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%;">=0D=0A        <tbody>=0D=0A   =
       <tr>=0D=0A            <td align=3D"center" valign=3D"top" style=3D"m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;"><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-size: 0; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0;" vali=
gn=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D=
"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-r=
space: 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-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mblHea=
der" style=3D"width: 100%; max-width: 600px; border-collapse: collapse; mso=
-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%; min-width: 90% !important;">=0A  <tbody>=0A    =
<tr>=0A      <td align=3D"center" valign=3D"top" style=3D"mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=
<table border=3D"0" cellpadding=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%;">=0A          =
<tbody>=0A            <tr>=0A              <td style=3D"font-size: 0; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%; padding: 0px;" valign=3D"top"><table border=3D"0" cellpadding=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%; -webk=
it-text-size-adjust: 100%;">=0A                  <tbody>=0A                =
    <tr>=0A                      <td align=3D"center" valign=3D"middle" sty=
le=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
xt-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"https://link.upgra=
de.com/f/a/l1-4Y3GWvcQWPpPOG7nhCg~~/AAQRxQA~/RgRpELpUP0QXaHR0cHM6Ly93d3cudX=
BncmFkZS5jb21XA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~"=
 style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; text-align: c=
enter; font-size: 20px; color: #4899C4 !important; text-decoration: none; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 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/assets/image_assets/images/6=
3348ce6db77c73d707010e4/original.png=3F1664388326" style=3D"outline: 0px; w=
idth: 144px; height: auto; font-family: Graphik, Helvetica, Arial, sans-ser=
if; font-size: 24px; color: rgb(0, 175, 106); text-decoration: none; -ms-in=
terpolation-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            </t=
r>=0A          </tbody>=0A        </table></td>=0A    </tr>=0A  </tbody>=0A=
</table>=0A<!-- X-250ok-CID: upgrade_pl_ita_declined_old_send03-->=0A=0A<sp=
an 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 bo=
rder=3D"0" cellpadding=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        =0D=0A        <tr>=0D=0A          <td al=
ign=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; 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-adj=
ust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A              <tbody>=0D=
=0A            =0D=0A                <tr>=0D=0A                  <td style=
=3D"padding-top: 0px; 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%;" 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"fon=
t-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; colo=
r: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left">Getting =
a personal loan through Upgrade can be the first step towards financial fit=
ness and achieving your long-term goals. With a personal loan through Upgra=
de you can:</td>=0D=0A                </tr>=0D=0A                <tr>=0D=0A=
                      <td style=3D"mso-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-family: 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 5p=
x 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: #3738=
3A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;" align=3D"left">Consolidate your many payments to simpl=
ify your monthly budget</td>=0D=0A                          </tr>=0D=0A    =
                    </table></td>=0D=0A                    </tr>=0D=0A     =
                <tr>=0D=0A                      <td style=3D"mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;"><table style=3D"border-collapse: collapse; mso-table-lspace: 0pt; mso-ta=
ble-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;">=0D=0A                          <tr>=0D=0A                            <t=
d valign=3D"top" align=3D"left" width=3D"25" style=3D"font-family: Helvetic=
a, Arial, serif; font-size: 16px; line-height: 22px; color: #0E680E; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 15px 5px 0px 20px;"><strong>=E2=80=93</strong></td>=0D=
=0A                            <td valign=3D"top" width=3D"515" style=3D"pa=
dding-top: 15px; font-family: Helvetica, Arial, serif; font-size: 16px; lin=
e-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">Pay off hig=
h-interest debt so you can increase future savings</td>=0D=0A              =
            </tr>=0D=0A                        </table></td>=0D=0A         =
           </tr>=0D=0A                    <tr>=0D=0A                      <=
td style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;"><table style=3D"border-collapse: collapse; mso=
-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;">=0D=0A                          <tr>=0D=0A    =
                        <td valign=3D"top" align=3D"left" width=3D"25" styl=
e=3D"font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22=
px; color: #0E680E; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -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"font-family: Helvetica, Arial, serif; font-size: 16=
px; line-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 20=
px;" align=3D"left">Circle the date that you could be debt free</td>=0D=0A =
                         </tr>=0D=0A                        </table></td>=
=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</sp=
an>=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; font-=
size: 16px; line-height: 24px; color: #ffffff !important; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 0px;"><!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"center"=
 class=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 275px; border-collapse: separate; -webkit-border-radius: 8px; -m=
oz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table=
-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; b=
order: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A  =
            <td height=3D"45" style=3D"height: 40px; color: #ffffff; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" =
href=3D"https://link.upgrade.com/f/a/XYEatQtUr1kMMT6_KvCnjA~~/AAQRxQA~/RgRp=
ELpUP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3V=
yY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAzJnV0bV9jb2=
50ZW50PWVtYWlsX2N0YVcDc3BjQgpnK1Q1LmfqCiEFUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEA=
AACFQ~~" style=3D"display: inline-block; font-size: 16px; line-height: 24px=
; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; col=
or: #ffffff !important; text-decoration: none !important; letter-spacing: 0=
.5px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![en=
dif]-->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             <t=
d style=3D"padding-top: 25px; font-family: Helvetica, Arial, serif; font-si=
ze: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: exactly;=
 -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left=
">Choose from amounts you qualify for =E2=80=93 between $1,000 and $50,000 =
=E2=80=93 with a rate that will never increase. Checking your rate only tak=
es minutes. What are you waiting for=3F</td>=0D=0A              =0D=0A     =
         <tr>=0D=0A                <td style=3D"padding-top: 25px; 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%;" 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=
, Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;" align=3D"left">P.S. <a href=3D"https://link.upgrade.com/f/a/mqM27=
Gw695n6OsaA27ey9Q~~/AAQRxQA~/RgRpELpUP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZn=
VubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1d=
G1fY2FtcGFpZ249c2VuZDAzJnV0bV9jb250ZW50PWVtYWlsX3R4dFcDc3BjQgpnK1Q1LmfqCiEF=
UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D"color: #4899C4 !importan=
t; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;">Check your rate now</a>. We look forward to helping you=
 achieve your financial goals.</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      <!--/PRIMARY--> =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-tab=
le-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: He=
lvetica, Arial, sans-serif; font-size: 12px; line-height: 18px; color: #373=
83A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%;" align=3D"center"><table align=3D"center" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-bottom-wi=
dth: 1px; border-bottom-color: #cccccc; border-bottom-style: solid; max-wid=
th: 600px; 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"#EAECF0">=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_cs" style=3D"pad=
ding-top: 25px; font-family: Helvetica, Arial, serif; font-size: 16px; line=
-height: 20px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size=
-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"center">If you hav=
e 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, se=
rif; font-size: 16px; line-height: 20px; color: #37383A; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 3px 3px 25px;" align=3D"center">=0D=0A      <a href=3D"mailto:suppor=
t@upgrade.com" style=3D"font-family: Helvetica, Arial, serif; color: #4899C=
4 !important; text-decoration: underline; vertical-align: middle; display: =
inline-block; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-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 MODULE ENDS HERE--> =0D=
=0A      =0D=0A      <!--FOOTER STARTS HERE-->=0D=0A      =0D=0A      <tabl=
e border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; bo=
rder-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"c=
enter" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; =
-webkit-text-size-adjust: 100%; padding: 20px 0;"><table border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: collap=
se; 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"padding-top: 15px;=
 font-family: Helvetica, Arial, sans-serif; font-size: 12px; line-height: 1=
8px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%;" align=3D"left">Personal loans made th=
rough Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All p=
ersonal loans have a 1.85% to 9.99% origination fee, which is deducted from=
 the loan proceeds. Lowest rates require Autopay and paying off a portion o=
f existing debt directly. 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 17.5=
9% APR (which includes a 13.94% yearly interest rate and a 5% one-time orig=
ination fee), you would receive $9,500 in your account and would have a req=
uired monthly payment of $341.48. Over the life of the loan, your payments =
would total $12,293.46. The APR on your loan may be higher or lower and you=
r loan offers may not have multiple term lengths available. Actual rate dep=
ends on credit score, credit usage history, loan term, and other factors. L=
ate payments or subsequent charges and fees may increase the cost of your f=
ixed rate loan. There is no fee or penalty for repaying a loan early. =0A  =
All loans, Personal Credit Lines, and checking and savings accounts are pro=
vided by Upgrade's <a href=3D"https://link.upgrade.com/f/a/ufCiRzni-RXlFYNv=
vfZo_g~~/AAQRxQA~/RgRpELpUP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0b=
mVycy9XA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" 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>. Upgrade Visa<sup style=3D"font-size: 12px; li=
ne-height: 1; vertical-align: top;">=C2=AE</sup> Cards and Upgrade Visa<sup=
 style=3D"font-size: 12px; line-height: 1; vertical-align: top;">=C2=AE</su=
p> Debit Cards are issued by Upgrade's <a href=3D"https://link.upgrade.com/=
f/a/ufCiRzni-RXlFYNvvfZo_g~~/AAQRxQA~/RgRpELpUP0QmaHR0cHM6Ly93d3cudXBncmFkZ=
S5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGluZ2NhbC5j=
b21YBAAAAhU~" target=3D"_blank" style=3D"vertical-align: top; color: #4899C=
4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">bank partners</a>, pursuant to a license fro=
m Visa USA Inc. <br />=0A<br />=0AUpgrade, Inc. (NMLS #1548935) holds the f=
ollowing <a href=3D"https://link.upgrade.com/f/a/sUZGz_y2Ms7KLbv-NGEoCQ~~/A=
AQRxQA~/RgRpELpUP0RsaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGl=
jbGVzLzQ0MDQ0MTYzNjA3MzEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLU=
luZm9ybWF0aW9uVwNzcGNCCmcrVDUuZ-oKIQVSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV"=
 target=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !important;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;">state licenses</a> and does business under the following =
<a href=3D"https://link.upgrade.com/f/a/M3wlK-myDxgBGN-As3Xoxw~~/AAQRxQA~/R=
gRpELpUP0QcaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnK1Q1LmfqCiEFUhRp=
bmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" target=3D"_blank" style=3D"vertical-a=
lign: top; color: #4899C4 !important; mso-line-height-rule: exactly; -ms-te=
xt-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/TjvqXZ6LNt8ZjF=
rnXegEOQ~~/AAQRxQA~/RgRpELpUP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2V=
uLXVzL2FydGljbGVzLzExNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmcrVD=
UuZ-oKIQVSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" 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%;">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: exactly; -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 or designated account w=
ithin one (1) business day of clearing necessary verifications. Availabilit=
y of the funds is dependent on how quickly your bank processes the transact=
ion. From the time of approval, funds sent directly to you should be availa=
ble within one (1) business day. Funds sent directly to pay off your credit=
ors 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: 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 align=3D"center" border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" 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%;">=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" cellpa=
dding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-top-width: 1px; =
border-top-color: #cecece; border-top-style: solid; border-collapse: collap=
se; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%;">=0D=0A        <tr>=0D=0A          <td a=
lign=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px;"><table cla=
ss=3D"center" align=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-adjust: 100%; padding: 0px;">=0D=0A              <tbody>=
=0D=0A                <tr>=0D=0A                  <td align=3D"center" vali=
gn=3D"middle" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=
=3D"https://link.upgrade.com/f/a/ODe2WVCRhB8-RRtdcZ4H3Q~~/AAQRxQA~/RgRpELpU=
P0R9aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY2Vib29rP3V0bV9zb3VyY2U=
9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAzJnV0bV9jb250ZW=
50PWZhY2Vib29rX2xpbmtXA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGluZ2NhbC5jb21YB=
AAAAhU~" target=3D"_blank" alias=3D"facebook" style=3D"color: #4899C4 !impo=
rtant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/communi=
cation/assets/image_assets/images/65fb645920ede0004c647b15/original.png=3F1=
710974041" border=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" he=
ight=3D"auto" style=3D"text-align: center; width: 24px; height: auto; outli=
ne: none; text-decoration: 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-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/uNIHCx2rEg=
sk_IaJDJ9DUQ~~/AAQRxQA~/RgRpELpUP0R9aHR0cHM6Ly93d3cuaW5zdGFncmFtLmNvbS91cGd=
yYWRlX2NyZWRpdC8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW=
1wYWlnbj1zZW5kMDMmdXRtX2NvbnRlbnQ9aW5zdGFncmFtX2xpbmtXA3NwY0IKZytUNS5n6gohB=
VIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" alias=3D"instagr=
am" style=3D"color: #4899C4 !important; mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https:=
//braze-images.com/appboy/communication/assets/image_assets/images/65fb6459=
4f39dd004c62621d/original.png=3F1710974041" border=3D"0" alt=3D"instagram" =
title=3D"instagram" width=3D"24" height=3D"auto" style=3D"text-align: cente=
r; width: 24px; height: auto; outline: none; text-decoration: none; -ms-int=
erpolation-mode: bicubic; padding: 0px; border-width: 0;" /></a>=0D=0A     =
             </td>=0D=0A                  <td align=3D"center" valign=3D"mi=
ddle" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"http=
s://link.upgrade.com/f/a/LYPhoQ-H6lNTdUcehdqRDA~~/AAQRxQA~/RgRpELpUP0R-aHR0=
cHM6Ly93d3cudXBncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3NvdXJjZT1=
kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMDMmdXRtX2NvbnRlbn=
Q9YmxvZ19saW5rVwNzcGNCCmcrVDUuZ-oKIQVSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV"=
 target=3D"_blank" alias=3D"blog" style=3D"color: #4899C4 !important; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;"><img src=3D"https://braze-images.com/appboy/communication/asset=
s/image_assets/images/65fb6459172062004de47b44/original.png=3F1710974041" b=
order=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-deco=
ration: 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, A=
rial, sans-serif; font-size: 12px; line-height: 16px; font-weight: 500; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%; padding: 15px 0px 0px;" align=3D"center">Please do not reply d=
irectly 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, Helvetica, Arial, sans-serif; font-size: 12px; line-height: 16px;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%; padding: 10px 0px 0px;" align=3D"center">This email contai=
ns advertising content and was sent to <span style=3D"font-family: Helvetic=
a, Arial, sans-serif; font-size: 12px; color: #37383A; text-decoration: non=
e;" alias=3D"View_Online">info@sterlingcal.com</span> based on your communi=
cation preferences. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A       =
   <td style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-si=
ze: 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 hre=
f=3D"https://link.upgrade.com/f/a/9ASVcR7FRviY51cT31cK9A~~/AAQRxQA~/RgRpELp=
UP4T5AWh0dHBzOi8vMDUuZW1haWxpbmJvdW5kcHJvY2Vzc2luZy5jb20vZW5jX3VzZXIvdW5zdW=
JzY3JpYmU_ZD0lMjQxJTI0OHpLU1ZTOFlkNTQ5SCUyQnJjVE9CWUp3JTNEJTNEJTI0TXBydFUwZ=
kU3VG9mRHZQRFYwTXlHOTRXTnclMkZvYUYzRk1Ud1dBeFdyeFVaem9qOTVFUmhuSkdNN1dxVTkl=
MEFieENRSTJjbE85a3Z3TTNyaGEzbGVoZjRVdFJXbmtMSUxSVWlQUVBHMGFySEdDR2ZiT1BKZVN=
qSW9CZjklMEFSNGh0amZQdXI4TVFzVmtuQ0tzU2g4b1c2czdrYXB0OU5TSkUlMkJRbCUyRjY4Yz=
Q5M2FyMTFVTVRuY1VEZ080JTBBMlBNeWhJUHJJQ0FiJTJGd0FCUFBPalA0dGVPYWdwaDFjVFVGc=
klxbCUyRjRKZHp1TE1PZlNONmwlMkZWSWtCUlBaJTBBdnFUYXRSWGd0T1M5empZQkJhMGl1bEtm=
Y0R4UUEwT0s5OThKY2tnRHVSV3VKU2VrMVluSmZ5NWY5WWxGJTBBTEt6MiUyQkdabEx1OHVpeWR=
MQiUyRm9JcDUxMmszQUxZZEllSzdyVjNPaWZzb1pjdkRSV1RRWEVubE85YWU5VyUwQTdXVSUzRC=
YxPTFXA3NwY0IKZytUNS5n6gohBVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" alias=
=3D"Unsubscribe" style=3D"font-family: Helvetica, Arial, sans-serif; font-s=
ize: 12px; color: #4899C4 !important; text-decoration: underline; vertical-=
align: top; display: inline-block; mso-line-height-rule: exactly; -ms-text-=
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/c5=
IYkwEKRHIxgm0XAQdXrQ~~/AAQRxQA~/RgRpELpUP0QfaHR0cHM6Ly93d3cudXBncmFkZS5jb20=
vcHJpdmFjeVcDc3BjQgpnK1Q1LmfqCiEFUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" =
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_S3</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/=
f_07Sw7R5M4bthwOjMofbA~~/AAQRxQA~/RgRpELpUPlcDc3BjQgpnK1Q1LmfqCiEFUhRpbmZvQ=
HN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~">=0D=0A</body>=0A</html>
--_----0Y+AWW04E1RhTElIe5dLgw===_EE/02-15237-4553E276--

