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From: "Upgrade" <email@e.upgrade.com>
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Subject: Andrew, here's your Saturday loan invitation
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To: info@sterlingcal.com
Date: Sat, 16 Nov 2024 15:33:45 +0000
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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0ASee if a fixed rate pe=
rsonal loan can help you save money. Check=0Ayour rate today.=0A=0Aupgrade_=
logo ( https://link.upgrade.com/f/a/nkBqhY3u2wRXZvB2p1KKvg~~/AAQRxQA~/RgRpG=
0BYP0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZzdZuzhnxZFlAlIUaW5mb0BzdGVy=
bGluZ2NhbC5jb21YBAAAAhU~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHow muc=
h could you save=3F=0AHi,=0ADo you want to save money when repaying your hi=
gh-interest debt=3F=0AA personal loan through Upgrade can help you consolid=
ate your=0Adebt or pay off high-interest credit cards, putting money back i=
n=0Ayour pocket that you can use on the important things.=0A=0A=0A=0ACheck =
Your Rate (=0Ahttps://link.upgrade.com/f/a/DoegBY0qm9MPNi2qWj2Nlw~~/AAQRxQA=
~/RgRpG0BYP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0b=
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vbVgEAAACFQ~~=0A)        What=E2=80=99s stopping you=0Afrom seeing if you c=
an save with a personal loan=3F It only takes a=0Amoment to get started (=
=0Ahttps://link.upgrade.com/f/a/DiQjt5yLmibuaQUaOROngA~~/AAQRxQA~/RgRpG0BYP=
0QqaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsVwNzcGNCCmc3Wbs4=
Z8WRZQJSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV=3Futm_source=3Ddecl_old&utm_me=
dium=3Demail&utm_campaign=3Dsend01&utm_content=3Demail_link=0A). There is n=
o obligation and no impact to your credit score.=0AThanks,=0AThe Upgrade Te=
am              If you have questions, we're here=0Ato help.     support@up=
grade.com               Personal loans=0Amade through Upgrade feature Annua=
l Percentage Rates (APRs) of=0A9.99%-35.99%. All personal loans have a 1.85=
% to 9.99%=0Aorigination fee, which is deducted from the loan proceeds. Low=
est=0Arates require Autopay and paying off a portion of existing debt=0Adir=
ectly. Loans feature repayment terms of 24 to 84 months. For=0Aexample, if =
you receive a $10,000 loan with a 36-month term and a=0A17.59% APR (which i=
ncludes a 13.94% yearly interest rate and a 5%=0Aone-time origination fee),=
 you would receive $9,500 in your=0Aaccount and would have a required month=
ly payment of $341.48.=0AOver the life of the loan, your payments would tot=
al $12,293.46.=0AThe APR on your loan may be higher or lower and your loan =
offers=0Amay not have multiple term lengths available. Actual rate depends=
=0Aon credit score, credit usage history, loan term, and other=0Afactors. L=
ate payments or subsequent charges and fees may=0Aincrease 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 a=
re provided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/yZu=
tvTSzVi2UMsT2gMt3xA~~/AAQRxQA~/RgRpG0BYP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20v=
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AAhU~ ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are i=
ssued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f/a/yZutvT=
SzVi2UMsT2gMt3xA~~/AAQRxQA~/RgRpG0BYP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmF=
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U~ ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #=
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9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A and does business under the following D=
BAs =0A( https://link.upgrade.com/f/a/u4u947umkwIKfzfyFdvpQg~~/AAQRxQA~/RgR=
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ZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ ).=0A=0AUpgrade is a financial technolog=
y company, not a bank =0A( https://link.upgrade.com/f/a/s0hi1ihNiTTCccZptub=
qbw~~/AAQRxQA~/RgRpG0BYP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVz=
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RZQJSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A. =0A   Your actual minimum p=
ayment,=0Apayoff time and payoff cost of a credit card will depend on your=
=0Aaccount terms and any future account activity. For example, if=0Ayou hav=
e $9,500 in credit card debt with 20% APR, and make=0Aminimum monthly payme=
nts of 1% of the outstanding balance plus=0Anew interest, you will pay $15,=
223 in finance charges over 341=0Amonths. With a $10,000 loan with a 36-mon=
th term, 18.66% APR, and=0A5% origination fee, you will pay $2,978 in finan=
ce charges.=0A=0Afacebook =0A( https://link.upgrade.com/f/a/UdNTv71i4pcGsFj=
GuMXN4Q~~/AAQRxQA~/RgRpG0BYP0R9aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGVv=
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; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
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: 600px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%;" valign=3D"top"><table border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; min-width: =
90% !important; border-collapse: collapse; mso-table-lspace: 0pt; mso-table=
-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=
=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td align=3D"cen=
ter" valign=3D"top" style=3D"mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;"><table border=3D"0" cellpaddi=
ng=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; =
mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%;">=0D=0A                <tbody>=0D=0A        =
          <tr>=0D=0A                    <td style=3D"font-size: 0; mso-line=
-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust=
: 100%; padding: 15px 0;" valign=3D"top"><table border=3D"0" 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%;">=0D=0A                        <tbody>=0D=0A    =
                      <tr>=0D=0A                            <td align=3D"le=
ft" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"mblHeader" style=3D"width: 100%; max-width: 600px; bord=
er-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 90% !impor=
tant;">=0A  <tbody>=0A    <tr>=0A      <td align=3D"center" valign=3D"top" =
style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" 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/nkBqhY3u2wRXZvB2p1KKvg~~/AAQRxQA~/RgRp=
G0BYP0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZzdZuzhnxZFlAlIUaW5mb0BzdGV=
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_send01-->=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">How much could you save=3F</td>=0D=0A                </tr>=0D=0A     =
           <tr>=0D=0A                  <td style=3D"padding-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%; -webk=
it-text-size-adjust: 100%;" align=3D"left"><span style=3D"font-size: 0px; l=
ine-height: 1;"></span>Hi,</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-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 15px 0px 0px;" align=3D"left">Do you want to save money when rep=
aying your high-interest debt=3F</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-text-size-adjust: 100%; -webkit-text-size-adjust=
: 100%; padding: 15px 0px 20px;" align=3D"left">A personal loan through Upg=
rade can help you consolidate your debt or pay off high-interest credit car=
ds, putting money back in your pocket that you can use on the important thi=
ngs.</td>=0D=0A                </tr>=0D=0A                                =
=0D=0A              <!--/BUTTON STARTS HERE-->=0D=0A              <span sty=
le=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" styl=
e=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-h=
eight: 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"center" class=3D"cta_tabl=
e" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 275px; =
border-collapse: separate; -webkit-border-radius: 8px; -moz-border-radius: =
8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px solid #=
0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A              <td he=
ight=3D"45" style=3D"height: 40px; color: #ffffff; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign=
=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" href=3D"https://l=
ink.upgrade.com/f/a/DoegBY0qm9MPNi2qWj2Nlw~~/AAQRxQA~/RgRpG0BYP0R5aHR0cHM6L=
y93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQm=
dXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAxJnV0bV9jb250ZW50PWVtYWlsX2N=
0YVcDc3BjQgpnN1m7OGfFkWUCUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D=
"display: inline-block; font-size: 16px; line-height: 24px; font-family: Gr=
aphik, Helvetica, Arial, sans-serif; font-weight: 500; color: #ffffff !impo=
rtant; text-decoration: none !important; letter-spacing: 0.5px; mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Check Your =
Rate<!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]--></a></td>=0D=0A          </t=
r>=0D=0A      </table>=0D=0A  </td>=0D=0A</tr>=0D=0A=0D=0A=0D=0A =0D=0A    =
          <!--/BUTTON ENDS HERE-->=0D=0A=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: #37383A; mso-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;" align=3D"left">What=E2=80=99s stopping you from seeing if you can=
 save with a personal loan=3F It only takes a moment to <a alias=3D"get sta=
rted" href=3D"https://link.upgrade.com/f/a/ogHaYSz4vFnh6yZ04oLcOg~~/AAQRxQA=
~/RgRpG0BYP0R6aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0b=
V9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAxJnV0=
bV9jb250ZW50PWVtYWlsX2xpbmtXA3NwY0IKZzdZuzhnxZFlAlIUaW5mb0BzdGVybGluZ2NhbC5=
jb21YBAAAAhU~" style=3D"color: #4899C4 !important; display: inline-block; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;">get started</a>. There is no obligation and no impact to yo=
ur credit score.</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-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              </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"w=
idth: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgco=
lor=3D"#F5F4F3">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            =
<td style=3D"padding-top: 0px; font-family: Helvetica, Arial, sans-serif; f=
ont-size: 12px; line-height: 18px; color: #37383A; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=
=3D"center"><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" style=3D"width: 100%; border-bottom-width: 1px; border-bottom-col=
or: #cccccc; border-bottom-style: solid; max-width: 600px; border-collapse:=
 collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adju=
st: 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-family=
: Helvetica, Arial, serif; font-size: 16px; line-height: 20px; color: #3738=
3A; mso-line-height-rule: exactly; -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  </tr>=0D=0A  <tr>=0D=0A    <td class=3D"mbl_tex=
t_cs" style=3D"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%; padding: 3px 3px 25px;" align=
=3D"center">=0D=0A      <a href=3D"mailto:support@upgrade.com" style=3D"fon=
t-family: Helvetica, Arial, serif; color: #4899C4 !important; text-decorati=
on: underline; vertical-align: middle; display: inline-block; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%;">support@upgrade.com</a>=0D=0A    </td>=0D=0A  </tr>=0D=0A</table></td>=
=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      =
=0D=0A      <!-- /CONTACT MODULE ENDS HERE--> =0D=0A      =0D=0A      <!--F=
OOTER STARTS HERE-->=0D=0A      =0D=0A      <table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; m=
so-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=
=0A          <tr>=0D=0A            <td align=3D"center" style=3D"mso-line-h=
eight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
100%; padding: 20px 0;"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0p=
t; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 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: 18px; color: #37383A; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%;" align=3D"left">Personal loans made through Upgrade feature An=
nual Percentage Rates (APRs) of 9.99%-35.99%. All personal loans have a 1.8=
5% to 9.99% origination fee, which is deducted from the loan proceeds. Lowe=
st rates require Autopay and paying off a portion of existing debt directly=
. Loans feature repayment terms of 24 to 84 months. For example, if you re=
ceive a $10,000 loan with a 36-month term and a 17.59% APR (which includes =
a 13.94% yearly interest rate and a 5% one-time origination fee), you would=
 receive $9,500 in your account and would have a required monthly payment o=
f $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 your loan offers may not h=
ave multiple term lengths available. Actual rate depends on credit score, c=
redit usage history, loan term, and other factors. Late payments or subsequ=
ent charges and fees may increase the cost of your fixed rate loan. There i=
s no fee or penalty for repaying a loan early. =0A  All loans, Personal Cre=
dit Lines, and checking and savings accounts are provided by Upgrade's <a h=
ref=3D"https://link.upgrade.com/f/a/yZutvTSzVi2UMsT2gMt3xA~~/AAQRxQA~/RgRpG=
0BYP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZzdZuzhn=
xZFlAlIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" style=3D"ve=
rtical-align: top; color: #4899C4 !important; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank partner=
s</a>. Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1; vertical-=
align: top;">=C2=AE</sup> Cards and Upgrade Visa<sup style=3D"font-size: 12=
px; line-height: 1; vertical-align: top;">=C2=AE</sup> Debit Cards are issu=
ed by Upgrade's <a href=3D"https://link.upgrade.com/f/a/yZutvTSzVi2UMsT2gMt=
3xA~~/AAQRxQA~/RgRpG0BYP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVy=
cy9XA3NwY0IKZzdZuzhnxZFlAlIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D=
"_blank" style=3D"vertical-align: top; color: #4899C4 !important; mso-line-=
height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust:=
 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"ht=
tps://link.upgrade.com/f/a/GHtGUNM51ZrCg9_myHGZeQ~~/AAQRxQA~/RgRpG0BYP0RsaH=
R0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA3M=
zEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcGNC=
Cmc3Wbs4Z8WRZQJSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" target=3D"_blank" sty=
le=3D"vertical-align: top; color: #4899C4 !important; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">stat=
e licenses</a> and does business under the following <a href=3D"https://lin=
k.upgrade.com/f/a/u4u947umkwIKfzfyFdvpQg~~/AAQRxQA~/RgRpG0BYP0QcaHR0cHM6Ly9=
3d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnN1m7OGfFkWUCUhRpbmZvQHN0ZXJsaW5nY2FsLm=
NvbVgEAAACFQ~~" target=3D"_blank" style=3D"vertical-align: top; color: #489=
9C4 !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/s0hi1ihNiTTCccZptubqbw~~/AAQRxQA~/Rg=
RpG0BYP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExN=
TAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmc3Wbs4Z8WRZQJSFGluZm9Ac3Rl=
cmxpbmdjYWwuY29tWAQAAAIV" target=3D"_blank" style=3D"vertical-align: top; c=
olor: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%;">financial technology company, no=
t 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">Your actual minimum payment, payof=
f time and payoff cost of a credit card will depend on your account terms a=
nd any future account activity. For example, if you have $9,500 in credit c=
ard debt with 20% APR, and make minimum monthly payments of 1% of the outst=
anding balance plus new interest, you will pay $15,223 in finance charges o=
ver 341 months. With a $10,000 loan with a 36-month term, 18.66% APR, and 5=
% origination fee, you will pay $2,978 in finance charges.</td>=0D=0A      =
            </tr>=0D=0A                  <tr>=0D=0A                    <td =
style=3D"padding-top: 15px; font-family: Helvetica, Arial, sans-serif; font=
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