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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/rJqGGuiO7803qBjZCjHTaQ~~/AAQRxQA~/RgRpFfrsP0Q=
XaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZyvsdTNnx9BFdVIUaW5mb0BzdGVybGluZ2=
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/47ZWmI0zb_BjvbDWXcN1MA~~/A=
AQRxQA~/RgRpFfrsP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmV=
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2FsLmNvbVgEAAACFQ~~=0A)        Thanks,=0AThe Upgrade Team   P.S. Check your=
 rate now (=0Ahttps://link.upgrade.com/f/a/sHFBs2MqwoKsx8zyFdJ7_Q~~/AAQRxQA=
~/RgRpFfrsP0QqaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsVwNzc=
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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/GN_7EF73bDoQU0uRTau8PA~~/AAQRxQA~/RgRpFfrsP0QmaHR0cHM6Ly=
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=C2=AE Debit Cards are issued=0Aby Upgrade's bank partners =0A( https://lin=
k.upgrade.com/f/a/GN_7EF73bDoQU0uRTau8PA~~/AAQRxQA~/RgRpFfrsP0QmaHR0cHM6Ly9=
3d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZyvsdTNnx9BFdVIUaW5mb0BzdG=
VybGluZ2NhbC5jb21YBAAAAhU~ ), pursuant to a license=0Afrom Visa USA Inc.=0A=
=0AUpgrade, Inc. (NMLS #1548935) holds the following state licenses=0A=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/rJqGGuiO7803qBjZCjHTaQ~~/AAQRxQA~/RgRp=
FfrsP0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZyvsdTNnx9BFdVIUaW5mb0BzdGV=
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/47ZWmI0zb_BjvbDWXcN1MA~~/AAQRxQA~/Rg=
RpFfrsP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb=
3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAyJnV0bV9j=
b250ZW50PWVtYWlsX2N0YVcDc3BjQgpnK-x1M2fH0EV1UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVg=
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/rlUNt2Zibl-=
ipa_iA4P4hQ~~/AAQRxQA~/RgRpFfrsP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVs=
L25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2F=
tcGFpZ249c2VuZDAyJnV0bV9jb250ZW50PWVtYWlsX3R4dFcDc3BjQgpnK-x1M2fH0EV1UhRpbm=
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/GN_7EF73bDoQU0uRTau8PA~~/AAQRxQA~/RgR=
pFfrsP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZyvsdT=
Nnx9BFdVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" 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/GN_7EF73bDoQU0uRT=
au8PA~~/AAQRxQA~/RgRpFfrsP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bm=
Vycy9XA3NwY0IKZyvsdTNnx9BFdVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" 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/WhG-3NsdhHRgTohY-iQHag~~/AAQRxQA~/RgRpFfrsP0Rs=
aHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA=
3MzEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcG=
NCCmcr7HUzZ8fQRXVSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" 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/zWOEN-WNIVOiZVOvJJyiYw~~/AAQRxQA~/RgRpFfrsP0QcaHR0cHM6L=
y93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnK-x1M2fH0EV1UhRpbmZvQHN0ZXJsaW5nY2Fs=
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/7idE9vFKCpe-2WCUKELhGw~~/AAQRxQA~/=
RgRpFfrsP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzE=
xNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmcr7HUzZ8fQRXVSFGluZm9Ac3=
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/sUnglItsNxw3hRLSZS3eXQ~~/AAQRxQA~/RgRpFfrsP0R9aHR0cHM6Ly93d3c=
uZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY2Vib29rP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX2=
1lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAyJnV0bV9jb250ZW50PWZhY2Vib29rX2xpb=
mtXA3NwY0IKZyvsdTNnx9BFdVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"=
_blank" alias=3D"facebook" style=3D"color: #4899C4 !important; mso-line-hei=
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_assets/images/65fb645920ede0004c647b15/original.png=3F1710974041" border=
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: 0;" /></a>=0D=0A                  </td>=0D=0A                  <td align=
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exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 0px;"><a href=3D"https://link.upgrade.com/f/a/p73RQdwoumoGlHspyN988w~~/A=
AQRxQA~/RgRpFfrsP0R9aHR0cHM6Ly93d3cuaW5zdGFncmFtLmNvbS91cGdyYWRlX2NyZWRpdC8=
_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMD=
ImdXRtX2NvbnRlbnQ9aW5zdGFncmFtX2xpbmtXA3NwY0IKZyvsdTNnx9BFdVIUaW5mb0BzdGVyb=
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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/GiyIL3U7fbJ3SNsT_CxVXQ~~/AAQRxQA~/RgRpFfrsP0R-aHR0cHM6Ly93d3cudXB=
ncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG=
1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMDImdXRtX2NvbnRlbnQ9YmxvZ19saW5rV=
wNzcGNCCmcr7HUzZ8fQRXVSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" target=3D"_bla=
nk" alias=3D"blog" style=3D"color: #4899C4 !important; mso-line-height-rule=
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