Envelope-to: info@sterlingcal.com
Delivery-date: Thu, 14 Nov 2024 18:07:10 -0600
To: info@sterlingcal.com
Message-ID: <44.0A.02968.2A096376@ku.mta1vrest.cc.prd.sparkpost>
Date: Fri, 15 Nov 2024 00:06:58 +0000
Content-Type: multipart/alternative; boundary="_----kf+IQZQ92dxjApvzhUoU8Q===_73/0A-02968-2A096376"
MIME-Version: 1.0
Subject: We have more options for you
From: "Upgrade" <email@e.upgrade.com>
Reply-To: noreply.email@upgrade.com

--_----kf+IQZQ92dxjApvzhUoU8Q===_73/0A-02968-2A096376
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Get the flexibility of a credit card and the predictability of a=0Aloan  =
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A       Upgrade     96=0Aupgrade_logo ( =
https://link.upgrade.com/f/a/Dlew0z-Y_qgqxnb1Ohknyg~~/AAQRxQA~/RgRpGRWiP0QX=
aHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZyyikDZnXWggRFIUaW5mb0BzdGVybGluZ2N=
hbC5jb21YBAAAAhU~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0AThanks f=
or your interest in Upgrade. We have an option for you=0Awith Upgrade Card =
Triple Cash Rewards. Earn unlimited 3% cash=0Aback on payments when you mak=
e purchases in Home, Auto, and=0AHealth categories and 1% cash back on all =
other purchases when=0Ayou pay them back.1    =0A=0A=0AGet Started (=0Ahttp=
s://link.upgrade.com/f/a/3OtFqpNx2F8YKpCUvlzIUA~~/AAQRxQA~/RgRpGRWiP0SFaHR0=
cHM6Ly93d3cudXBncmFkZS5jb20vdXBncmFkZS1jYXJkL3RyaXBsZS1jYXNoLz91dG1fc291cmN=
lPWRfY2FyZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1wbHBjbF90Y3JfczAyJnV0bV=
9jb250ZW50PWVtYWlsX2N0YVcDc3BjQgpnLKKQNmddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvb=
VgEAAACFQ~~=0A)        Upgrade Card features=0Aincludes contactless technol=
ogy so your purchases are fast, safe,=0Aand hassle-free.   Thanks,=0AThe Up=
grade Team              If you have questions, we're here=0Ato help.     su=
pport@upgrade.com                1=0A=0A Purchases in Home, Auto,=0Aand Hea=
lth categories accrue 3% cash back when you pay them back;=0Aall other purc=
hases accrue 1% with no maximum. Get more=0Ainformation on applicable merch=
ant categories =0A( https://link.upgrade.com/f/a/rWBKTxFI6O5J4DOmZrs6wQ~~/A=
AQRxQA~/RgRpGRWiP0Q8aHR0cHM6Ly93d3cudXBncmFkZS5jb20vdXBncmFkZS1jYXJkL3RyaXB=
sZS1jYXNoL2NhdGVnb3JpZXMvVwNzcGNCCmcsopA2Z11oIERSFGluZm9Ac3RlcmxpbmdjYWwuY2=
9tWAQAAAIV ).=0ACertain limitations apply. For more information on the Upgr=
ade=0ACash Back Rewards Program, please see the program=E2=80=99s Terms and=
=0AConditions =0A( https://link.upgrade.com/f/a/BYHFHAzuYVCWp31ZilDAgw~~/AA=
QRxQA~/RgRpGRWiP0RAaHR0cHM6Ly93d3cudXBncmFkZS5jb20vdXBncmFkZS1jYXJkL2Nhc2gt=
cmV3YXJkcy9wcm9ncmFtLXRlcm1zL1cDc3BjQgpnLKKQNmddaCBEUhRpbmZvQHN0ZXJsaW5nY2F=
sLmNvbVgEAAACFQ~~ )=0A. =0A All loans, Personal Credit=0ALines, and checkin=
g and savings accounts are provided by=0AUpgrade's bank partners ( https://=
link.upgrade.com/f/a/YLv5GSgg8uoA2VC50J9fwg~~/AAQRxQA~/RgRpGRWiP0QmaHR0cHM6=
Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZyyikDZnXWggRFIUaW5mb0B=
zdGVybGluZ2NhbC5jb21YBAAAAhU~ ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=
=C2=AE Debit Cards are issued=0Aby Upgrade's bank partners =0A( https://lin=
k.upgrade.com/f/a/YLv5GSgg8uoA2VC50J9fwg~~/AAQRxQA~/RgRpGRWiP0QmaHR0cHM6Ly9=
3d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZyyikDZnXWggRFIUaW5mb0BzdG=
VybGluZ2NhbC5jb21YBAAAAhU~ ), pursuant to a license=0Afrom Visa USA Inc.=0A=
=0AUpgrade, Inc. (NMLS #1548935) holds the following state licenses=0A=0A( =
https://link.upgrade.com/f/a/U7z9RTTBJmHeG8mjVfIRlA~~/AAQRxQA~/RgRpGRWiP0Rs=
aHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA=
3MzEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcG=
NCCmcsopA2Z11oIERSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A and does busine=
ss under the following DBAs =0A( https://link.upgrade.com/f/a/ZxgkYjbxu2IE0=
GfDC_3UEQ~~/AAQRxQA~/RgRpGRWiP0QcaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3=
BjQgpnLKKQNmddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ ).=0A=0AUpgrade =
is a financial technology company, not a bank =0A( https://link.upgrade.com=
/f/a/IrkGPegVko8zluL5FKPm8g~~/AAQRxQA~/RgRpGRWiP0ROaHR0cHM6Ly91cGdyYWRlLnpl=
bmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJ=
hbmstVwNzcGNCCmcsopA2Z11oIERSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A. =0A=
            facebook =0A( https://link.upgrade.com/f/a/neds5f0yry4D3E5Z34vL=
4g~~/AAQRxQA~/RgRpGRWiP0SCaHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY=
2Vib29rP3V0bV9zb3VyY2U9ZF9jYXJkJnV0bV9tZWRpdW09ZW1haWwmdXRtX2NhbXBhaWduPXBs=
cGNsX3Rjcl9zMDImdXRtX2NvbnRlbnQ9ZmFjZWJvb2tfbGlua1cDc3BjQgpnLKKQNmddaCBEUhR=
pbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0A   instagram =0A( https://link.up=
grade.com/f/a/5sCCAm59cO_GuxaN-PmMyQ~~/AAQRxQA~/RgRpGRWiP0SCaHR0cHM6Ly93d3c=
uaW5zdGFncmFtLmNvbS91cGdyYWRlX2NyZWRpdC8_dXRtX3NvdXJjZT1kX2NhcmQmdXRtX21lZG=
l1bT1lbWFpbCZ1dG1fY2FtcGFpZ249cGxwY2xfdGNyX3MwMiZ1dG1fY29udGVudD1pbnN0YWdyY=
W1fbGlua1cDc3BjQgpnLKKQNmddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ )=
=0A   blog =0A( https://link.upgrade.com/f/a/KkapdwCf1ChoPLnkhFx4wQ~~/AAQRx=
QA~/RgRpGRWiP0SDaHR0cHM6Ly93d3cudXBncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h=
0cy8_dXRtX3NvdXJjZT1kX2NhcmQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249cGxwY2=
xfdGNyX3MwMiZ1dG1fY29udGVudD1ibG9nX2xpbmtXA3NwY0IKZyyikDZnXWggRFIUaW5mb0Bzd=
GVybGluZ2NhbC5jb21YBAAAAhU~ )=0A       Please do not reply directly to this=
 message as it was=0Asent from an unattended mailbox.    This email contain=
s=0Aadvertising content and was sent to=0Ainfo@sterlingcal.com based on you=
r communication=0Apreferences.    No longer want to receive these emails=3F=
=0AUnsubscribe ( https://link.upgrade.com/f/a/fKJSIeYj8An1Fv0czdfdJg~~/AAQR=
xQA~/RgRpGRWiP4T3AWh0dHBzOi8vMDUuZW1haWxpbmJvdW5kcHJvY2Vzc2luZy5jb20vZW5jX3=
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M0hJZWgzdWFQdkhMaHIwVlpkWnJPbk1PSTRsVzBScWVzOG8ydEJsTDdDM1NpJTBBc1BKSk10MzJ=
6RFhMc0I0akZ3U2tlanZURTFSTFV6M0ZRUEFZVVExeEtLVEs5bWhYRlQ5U0JUSEtwT0pUJTBBJT=
JGS28lM0QmMT0xVwNzcGNCCmcsopA2Z11oIERSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV =
)       Upgrade=0Ais located at 275 Battery Street, 23rd Floor, San Francis=
co, CA,=0A94111    =C2=A9 2024 Upgrade, Inc. All=0Arights reserved.     Pri=
vacy Policy =0A( https://link.upgrade.com/f/a/dFMLjnJ4mEg43wT3L9cMEg~~/AAQR=
xQA~/RgRpGRWiP0QfaHR0cHM6Ly93d3cudXBncmFkZS5jb20vcHJpdmFjeVcDc3BjQgpnLKKQNm=
ddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0A=0A   Equal Housing Lend=
er=0A=0AC_DECL_XPL_TCR_S02
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=EF=BB=BF </div>=0A<span style=3D"background-color: #f5f4f3; font-size: 0px=
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                   <tr>=0A                            <td align=3D"left" st=
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g=3D"0" class=3D"mblHeader" style=3D"width: 100%; max-width: 600px; border-=
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size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 90% !importan=
t;">=0A  <tbody>=0A    <tr>=0A      <td align=3D"center" valign=3D"top" sty=
le=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
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t: 100%;">=0A          <tbody>=0A            <tr>=0A              <td style=
=3D"font-size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 0px;" valign=3D"top"><table bord=
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ody>=0A                    <tr>=0A                      <td align=3D"center=
" valign=3D"middle" style=3D"mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" hre=
f=3D"https://link.upgrade.com/f/a/Dlew0z-Y_qgqxnb1Ohknyg~~/AAQRxQA~/RgRpGRW=
iP0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZyyikDZnXWggRFIUaW5mb0BzdGVybG=
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it-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_a=
ssets/images/63348ce6db77c73d707010e4/original.png=3F1664388326" style=3D"o=
utline: 0px; width: 144px; height: auto; font-family: Graphik, Helvetica, A=
rial, sans-serif; font-size: 24px; color: rgb(0, 175, 106); image-rendering=
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x; border-width: 0px;" title=3D"logo" width=3D"144" class=3D"center"></a></=
td>=0A                    </tr>=0A                  </tbody>=0A            =
    </table></td>=0A            </tr>=0A          </tbody>=0A        </tabl=
e></td>=0A    </tr>=0A  </tbody>=0A</table>=0A<!-- X-250ok-CID: upgrade_pcl=
_xsell_pl_declined_tcr_send04-->=0A=0A<span style=3D"font-size: 0px; line-h=
eight: 1;">=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A  =
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   =0A        <!--/HEADER ENDS HERE--> =0A        =0A        <!--PRIMARY-->=
=0A        =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-adjust: 100%; -webkit-text-size-adjust=
: 100%;" bgcolor=3D"#ffffff">=0A          <tbody>=0A            <!--HEADLIN=
E-->=0A            <tr>=0A              <td align=3D"center" style=3D"mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%; padding: 30px 0 0;"><table class=3D"mblheadline" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; text-align: left; bo=
rder-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A               =
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           </tr>=0A            <tr>=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: 0 0 30px;"><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%;">=0A                  <tbody>=0A              =
      <tr>=0A                      <td class=3D"body1" style=3D"font-family=
: Graphik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; col=
or: #424242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; padding: 0px;" align=3D"left">=0A<span style=
=3D"font-size: 0px; line-height: 1;"></span>Hi,</td>=0A                    =
</tr>=0A            <!--END HEADLINE-->=0A                    <tr>=0A      =
              <td class=3D"body1" style=3D"font-family: Graphik, Helvetica,=
 Arial, serif; font-size: 16px; line-height: 24px; color: #424242; mso-line=
-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust=
: 100%; padding: 15px 0px 20px;" align=3D"left">Thanks for your interest in=
 Upgrade. We have an option for you with Upgrade Card Triple Cash Rewards. =
Earn unlimited 3% cash back on payments when you make purchases in Home, Au=
to, and Health categories and 1% cash back on all other purchases when you =
pay them back.<sup style=3D"line-height: 1; font-size: 10px;">1</sup>=0A</t=
d>=0A                    </tr>=0A                    <!--/BUTTON STARTS HER=
E-->=0A<span style=3D"font-size: 0px; line-height: 1;">=0D=0A=0D=0A</span>=
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th=3D"515" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-siz=
e: 16px; line-height: 24px; color: #ffffff !important; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padd=
ing: 0px;">=0A<!--/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"" href=3D"https:/=
/link.upgrade.com/f/a/3OtFqpNx2F8YKpCUvlzIUA~~/AAQRxQA~/RgRpGRWiP0SFaHR0cHM=
6Ly93d3cudXBncmFkZS5jb20vdXBncmFkZS1jYXJkL3RyaXBsZS1jYXNoLz91dG1fc291cmNlPW=
RfY2FyZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1wbHBjbF90Y3JfczAyJnV0bV9jb=
250ZW50PWVtYWlsX2N0YVcDc3BjQgpnLKKQNmddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgE=
AAACFQ~~" style=3D"display: inline-block; font-size: 16px; line-height: 24p=
x; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; co=
lor: #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]-->Get Started<!--[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=0A                    <!--/BUTTON ENDS HERE-->=0A                   =
 <tr>=0A                    <td class=3D"body1" style=3D"font-family: Graph=
ik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #42=
4242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
xt-size-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">Upgrade Card f=
eatures includes contactless technology so your purchases are fast, safe, a=
nd hassle-free.</td>=0A                    </tr>=0A                    <tr>=
=0A                      <td class=3D"body1" style=3D"font-family: Graphik,=
 Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #42424=
2; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">Thanks,<br>=0A   =
                     The Upgrade Team</td>=0A                    </tr>=0A  =
                </tbody>=0A                </table></td>=0A            </tr=
>=0A          </tbody>=0A        </table>=0A        =0A        <!--/PRIMARY=
--> =0A      <!-- CONTACT MODULE STARTS HERE-->=0A      =0A      <table bor=
der=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"#F5F4F3">=0A=
        <tbody>=0A        <tr>=0A          <td class=3D"mbl_text_cs basic_2=
" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%; padding: 0px;" align=3D"center"><table align=3D"=
center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 10=
0%; border-bottom-width: 1px; border-bottom-color: #cccccc; border-bottom-s=
tyle: solid; max-width: 600px; border-collapse: collapse; mso-table-lspace:=
 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-=
adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=0A    <td class=3D"mbl_t=
ext_cs" style=3D"padding-top: 25px; font-family: Helvetica, Arial, serif; f=
ont-size: 16px; line-height: 20px; color: #37383A; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=
=3D"center">If you have questions, we're here to help.=0D=0A    </td>=0D=0A=
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: Helvetica, Arial, serif; font-size: 16px; line-height: 20px; color: #3738=
3A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
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 href=3D"mailto:support@upgrade.com" style=3D"font-family: Helvetica, Arial=
, serif; color: #4899C4; text-decoration: underline; vertical-align: middle=
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t: 100%; -webkit-text-size-adjust: 100%;">support@upgrade.com</a>=0D=0A    =
</td>=0D=0A  </tr>=0D=0A</table></td>=0A        </tr>=0A        </tbody>=0A=
      </table>=0A      =0A      <!-- /CONTACT MODULE ENDS HERE--> =0A      =
  =0A        <!--FOOTER STARTS HERE-->=0A        =0A        <table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0A   =
       <tbody>=0A            <tr>=0A              <td align=3D"center" styl=
e=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 20px 0;"><table border=3D"0" cellpadding=3D"0=
" cellspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-tab=
le-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%;">=0A                  <tbody>=0A                   =
 <tr>=0A                      <td class=3D"body3" style=3D"font-family: Gra=
phik, Helvetica, Arial, serif; font-size: 12px; line-height: 16px; color: #=
424242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">=0A<sup styl=
e=3D"font-size: 8px; line-height: 1;">1</sup> <span style=3D"display: none;=
">=0A</span>=0A=0A =0APurchases in Home, Auto, and Health categories accrue=
 3% cash back when you pay them back; all other purchases accrue 1% with no=
 maximum. Get more information on applicable <a href=3D"https://link.upgrad=
e.com/f/a/rWBKTxFI6O5J4DOmZrs6wQ~~/AAQRxQA~/RgRpGRWiP0Q8aHR0cHM6Ly93d3cudXB=
ncmFkZS5jb20vdXBncmFkZS1jYXJkL3RyaXBsZS1jYXNoL2NhdGVnb3JpZXMvVwNzcGNCCmcsop=
A2Z11oIERSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" style=3D"color: #4899C4; te=
xt-decoration: underline; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%;">merchant categories</a>. Certain=
 limitations apply. For more information on the Upgrade Cash Back Rewards P=
rogram, please see the program=E2=80=99s <a href=3D"https://link.upgrade.co=
m/f/a/BYHFHAzuYVCWp31ZilDAgw~~/AAQRxQA~/RgRpGRWiP0RAaHR0cHM6Ly93d3cudXBncmF=
kZS5jb20vdXBncmFkZS1jYXJkL2Nhc2gtcmV3YXJkcy9wcm9ncmFtLXRlcm1zL1cDc3BjQgpnLK=
KQNmddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D"color: #4899C4=
; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-size-=
adjust: 100%; -webkit-text-size-adjust: 100%;">Terms and Conditions</a>.=0A=
</td>=0A                    </tr>=0A                <tr>=0A                =
  <td class=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial, seri=
f; font-size: 12px; line-height: 16px; color: #424242; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padd=
ing: 10px 0px 0px;" align=3D"left">=0A  All loans, Personal Credit Lines, a=
nd checking and savings accounts are provided by Upgrade's <a href=3D"https=
://link.upgrade.com/f/a/YLv5GSgg8uoA2VC50J9fwg~~/AAQRxQA~/RgRpGRWiP0QmaHR0c=
HM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZyyikDZnXWggRFIUaW5m=
b0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" style=3D"vertical-align=
: top; color: #4899C4; text-decoration: underline; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank pa=
rtners</a>. Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1; vert=
ical-align: top;">=C2=AE</sup> Cards and Upgrade Visa<sup style=3D"font-siz=
e: 12px; line-height: 1; vertical-align: top;">=C2=AE</sup> Debit Cards are=
 issued by Upgrade's <a href=3D"https://link.upgrade.com/f/a/YLv5GSgg8uoA2V=
C50J9fwg~~/AAQRxQA~/RgRpGRWiP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ=
0bmVycy9XA3NwY0IKZyyikDZnXWggRFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" targ=
et=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decoration=
: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%;">bank partners</a>, pursuant to a license from=
 Visa USA Inc. <br>=0A<br>=0AUpgrade, Inc. (NMLS #1548935) holds the follow=
ing <a href=3D"https://link.upgrade.com/f/a/U7z9RTTBJmHeG8mjVfIRlA~~/AAQRxQ=
A~/RgRpGRWiP0RsaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVz=
LzQ0MDQ0MTYzNjA3MzEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9=
ybWF0aW9uVwNzcGNCCmcsopA2Z11oIERSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" targ=
et=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decoration=
: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%;">state licenses</a> and does business under th=
e following <a href=3D"https://link.upgrade.com/f/a/ZxgkYjbxu2IE0GfDC_3UEQ~=
~/AAQRxQA~/RgRpGRWiP0QcaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnLKKQ=
NmddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" target=3D"_blank" style=
=3D"vertical-align: top; color: #4899C4; text-decoration: underline; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">DBAs</a>. <br>=0A<br>=0AUpgrade is a <a href=3D"https://link.upg=
rade.com/f/a/IrkGPegVko8zluL5FKPm8g~~/AAQRxQA~/RgRpGRWiP0ROaHR0cHM6Ly91cGdy=
YWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExNTAwNTIwMjQwNy0tSXMtVXBncmF=
kZS1hLWJhbmstVwNzcGNCCmcsopA2Z11oIERSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" =
target=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decora=
tion: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%;=
 -webkit-text-size-adjust: 100%;">financial technology company, not a bank<=
/a>.=0A=0A</td>=0A                </tr>=0A                <tr>=0A          =
        <td class=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial=
, serif; font-size: 12px; line-height: 16px; color: #424242; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 20px 0px 0px;" align=3D"left">=0A<table align=3D"center" border=
=3D"0" cellpadding=3D"0" cellspacing=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 0=
px 0px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"w=
idth: 100%; border-top-width: 1px; border-top-color: #cecece; border-top-st=
yle: solid; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=
=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 20px 0px 0px;"><table class=3D"center" align=3D"center" border=
=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"60%" style=3D"text-alig=
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ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 0px;">=0D=0A              <tbody>=0D=0A                <tr>=0D=0A       =
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o-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-=
adjust: 100%; padding: 0px;">=0A<a href=3D"https://link.upgrade.com/f/a/ned=
s5f0yry4D3E5Z34vL4g~~/AAQRxQA~/RgRpGRWiP0SCaHR0cHM6Ly93d3cuZmFjZWJvb2suY29t=
L3VwZ3JhZGVvbmZhY2Vib29rP3V0bV9zb3VyY2U9ZF9jYXJkJnV0bV9tZWRpdW09ZW1haWwmdXR=
tX2NhbXBhaWduPXBscGNsX3Rjcl9zMDImdXRtX2NvbnRlbnQ9ZmFjZWJvb2tfbGlua1cDc3BjQg=
pnLKKQNmddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" target=3D"_blank" a=
lias=3D"facebook" style=3D"color: #4899C4; text-decoration: underline; mso-=
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border=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" height=3D"aut=
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c; 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%; padding: 0px;">=0A<a href=3D"https://link.upgrade.com/f=
/a/5sCCAm59cO_GuxaN-PmMyQ~~/AAQRxQA~/RgRpGRWiP0SCaHR0cHM6Ly93d3cuaW5zdGFncm=
FtLmNvbS91cGdyYWRlX2NyZWRpdC8_dXRtX3NvdXJjZT1kX2NhcmQmdXRtX21lZGl1bT1lbWFpb=
CZ1dG1fY2FtcGFpZ249cGxwY2xfdGNyX3MwMiZ1dG1fY29udGVudD1pbnN0YWdyYW1fbGlua1cD=
c3BjQgpnLKKQNmddaCBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" target=3D"_bl=
ank" alias=3D"instagram" style=3D"color: #4899C4; text-decoration: underlin=
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ht=3D"auto" style=3D"text-align: center; width: 24px; height: auto; image-r=
endering: auto; outline: none; text-decoration: none; -ms-interpolation-mod=
e: 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;">=0A<a href=3D"https://link.upgr=
ade.com/f/a/KkapdwCf1ChoPLnkhFx4wQ~~/AAQRxQA~/RgRpGRWiP0SDaHR0cHM6Ly93d3cud=
XBncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3NvdXJjZT1kX2NhcmQmdXRt=
X21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249cGxwY2xfdGNyX3MwMiZ1dG1fY29udGVudD1ibG9=
nX2xpbmtXA3NwY0IKZyyikDZnXWggRFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" targ=
et=3D"_blank" alias=3D"blog" style=3D"color: #4899C4; text-decoration: unde=
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710974041" border=3D"0" alt=3D"blog" title=3D"blog" width=3D"47" height=3D"=
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ubic; padding: 0px; border-width: 0;"></a>=0D=0A                  </td>=0D=
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le></td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"f=
ont-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; line-he=
ight: 16px; font-weight: 500; mso-line-height-rule: exactly; -ms-text-size-=
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nt-size: 12px; line-height: 16px; mso-line-height-rule: exactly; -ms-text-s=
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erline; vertical-align: top; display: inline-block; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Unsubs=
cribe</a>=0A</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td s=
tyle=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px=
; line-height: 16px; color: #37383A; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;=
" align=3D"center"><img src=3D"https://braze-images.com/appboy/communicatio=
n/assets/image_assets/images/64a74a9cc06c460050dbcfc2/original.png=3F168868=
5212" width=3D"120" height=3D"auto" border=3D"0" style=3D"image-rendering: =
auto; height: auto; outline: none; text-decoration: none; -ms-interpolation=
-mode: bicubic; border-width: 0;"></td>=0D=0A        </tr>=0D=0A        <tr=
>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Arial, sans-=
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">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, Ar=
ial, sans-serif; font-size: 12px; line-height: 16px; mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 10px 0px 0px;" align=3D"center">=0A<span 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"center">=0A<a alias=3D"cta3_txt_pri=
vacy" href=3D"https://link.upgrade.com/f/a/dFMLjnJ4mEg43wT3L9cMEg~~/AAQRxQA=
~/RgRpGRWiP0QfaHR0cHM6Ly93d3cudXBncmFkZS5jb20vcHJpdmFjeVcDc3BjQgpnLKKQNmdda=
CBEUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D"font-family: Helvetic=
a, Arial, sans-serif; font-size: 12px; color: #4899C4; text-decoration: und=
erline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%;">Privacy Policy</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-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 10px 0px 0px;"><img src=3D"https://braze-images.com/appboy/commu=
nication/assets/image_assets/images/62c712c2931f9e0069af31f2/original.png=
=3F1657213634" alt=3D"Equal Housing Lender" title=3D"Equal Housing Lender" =
border=3D"0" style=3D"image-rendering: auto; height: auto; outline: none; t=
ext-decoration: none; -ms-interpolation-mode: bicubic; border-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>=0A                </tr>=0A                <tr>=0A                 =
 <td class=3D"body3" style=3D"color: #ffffff; font-family: Graphik, Helveti=
ca, Arial, serif; font-size: 12px; line-height: 16px; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddi=
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