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Subject: Andrew, here's your Saturday loan invitation
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Date: Sat, 30 Nov 2024 17:16:20 +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/7qhsyA9aGVUAiBCvTTbOuA~~/AAQRxQA~/RgRpL=
c1kP0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZ0ZkSEtnGLoyXFIUaW5mb0BzdGVy=
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=0A=0AChe=
ck Your Rate (=0Ahttps://link.upgrade.com/f/a/qas9b75c2e2epVGqkzjPAA~~/AAQR=
xQA~/RgRpLc1kP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3=
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nV0bV9jb250ZW50PWVtYWlsX2N0YVcDc3BjQgpnRmRIS2cYujJcUhRpbmZvQHN0ZXJsaW5nY2Fs=
LmNvbVgEAAACFQ~~=0A)     =0A   What=E2=80=99s stopping you from=0Aseeing if=
 you can save with a personal loan=3F It only takes a=0Amoment to get start=
ed (=0Ahttps://link.upgrade.com/f/a/hyy07I9_CxL9gHfBdGFblw~~/AAQRxQA~/RgRpL=
c1kP0QqaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsVwNzcGNCCmdG=
ZEhLZxi6MlxSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV=3Futm_source=3Ddecl_old&ut=
m_medium=3Demail&utm_campaign=3Dsend01&utm_content=3Demail_link=0A). There =
is no obligation and no impact to your credit score.=0AThanks,=0AThe Upgrad=
e Team              If you have questions, we're here=0Ato help.     suppor=
t@upgrade.com               Personal loans=0Amade through Upgrade feature A=
nnual 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.=
 Lowest=0Arates require Autopay and paying off a portion of existing debt=
=0Adirectly. Loans feature repayment terms of 24 to 84 months. For=0Aexampl=
e, if you receive a $10,000 loan with a 36-month term and a=0A17.59% APR (w=
hich includes 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=
 monthly payment of $341.48.=0AOver the life of the loan, your payments wou=
ld total $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 de=
pends=0Aon credit score, credit usage history, loan term, and other=0Afacto=
rs. Late 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 ear=
ly.=0A All loans, Personal Credit=0ALines, and checking and savings account=
s are provided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/=
KMcqdZS-5UPCexHX6VRTQQ~~/AAQRxQA~/RgRpLc1kP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb=
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BAAAAhU~ ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards ar=
e issued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f/a/KMc=
qdZS-5UPCexHX6VRTQQ~~/AAQRxQA~/RgRpLc1kP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20v=
YmFuay1wYXJ0bmVycy9XA3NwY0IKZ0ZkSEtnGLoyXFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAA=
AAhU~ ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NML=
S #1548935) holds the following state licenses=0A=0A( https://link.upgrade.=
com/f/a/jsNj9gKRGwL4dKCPm1fCHw~~/AAQRxQA~/RgRpLc1kP0RsaHR0cHM6Ly91cGdyYWRlL=
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uZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A and does business under the followin=
g DBAs =0A( https://link.upgrade.com/f/a/sUq6CcO7NiQA0z9ZI7hRRA~~/AAQRxQA~/=
RgRpLc1kP0QcaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnRmRIS2cYujJcUhR=
pbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ ).=0A=0AUpgrade is a financial techno=
logy company, not a bank =0A( https://link.upgrade.com/f/a/9hk225VDVJGBbjNs=
JJ2LGw~~/AAQRxQA~/RgRpLc1kP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuL=
XVzL2FydGljbGVzLzExNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmdGZEhL=
Zxi6MlxSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A. =0A   Your actual minimu=
m payment,=0Apayoff time and payoff cost of a credit card will depend on yo=
ur=0Aaccount terms and any future account activity. For example, if=0Ayou h=
ave $9,500 in credit card debt with 20% APR, and make=0Aminimum monthly pay=
ments of 1% of the outstanding balance plus=0Anew interest, you will pay $1=
5,223 in finance charges over 341=0Amonths. With a $10,000 loan with a 36-m=
onth term, 18.66% APR, and=0A5% origination fee, you will pay $2,978 in fin=
ance charges.=0A=0Afacebook =0A( https://link.upgrade.com/f/a/Rw5z8GJ7YcAVE=
hYwP1o8Pw~~/AAQRxQA~/RgRpLc1kP0R9aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZG=
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aW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=0Ainstagram =0A( https://link.upg=
rade.com/f/a/Yf1yt3Snqgi_nIQeOjUd-Q~~/AAQRxQA~/RgRpLc1kP0R9aHR0cHM6Ly93d3cu=
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tXA3NwY0IKZ0ZkSEtnGLoyXFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=0Ablog =
=0A( https://link.upgrade.com/f/a/dKkPfQKTfWZmh8x33d48sQ~~/AAQRxQA~/RgRpLc1=
kP0R-aHR0cHM6Ly93d3cudXBncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3=
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saW5nY2FsLmNvbVgEAAACFQ~~ )=0A=0A   Equal Housing Lender=0A        PL_ITA_D=
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ize-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%;" 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/7qhsyA9aGVUAiBCvTTbOuA~~/AAQRxQA~/RgRp=
Lc1kP0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZ0ZkSEtnGLoyXFIUaW5mb0BzdGV=
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=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; font-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"center" class=3D"ct=
a_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 2=
75px; border-collapse: separate; -webkit-border-radius: 8px; -moz-border-ra=
dius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px s=
olid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A              =
<td height=3D"45" style=3D"height: 40px; color: #ffffff; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" v=
align=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" href=3D"http=
s://link.upgrade.com/f/a/qas9b75c2e2epVGqkzjPAA~~/AAQRxQA~/RgRpLc1kP0R5aHR0=
cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9=
vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDAxJnV0bV9jb250ZW50PWVtYW=
lsX2N0YVcDc3BjQgpnRmRIS2cYujJcUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" sty=
le=3D"display: inline-block; font-size: 16px; line-height: 24px; font-famil=
y: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; color: #ffffff =
!important; text-decoration: none !important; letter-spacing: 0.5px; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->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=
 =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-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%;" align=3D"left">What=E2=80=99s stopping you from seeing i=
f you can save with a personal loan=3F It only takes a moment to <a alias=
=3D"get started" href=3D"https://link.upgrade.com/f/a/I6gZpsEKk-8fo5s2IktyI=
w~~/AAQRxQA~/RgRpLc1kP0R6aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZn=
VubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c=
2VuZDAxJnV0bV9jb250ZW50PWVtYWlsX2xpbmtXA3NwY0IKZ0ZkSEtnGLoyXFIUaW5mb0BzdGVy=
bGluZ2NhbC5jb21YBAAAAhU~" style=3D"color: #4899C4 !important; display: inli=
ne-block; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%;">get started</a>. There is no obligation and no i=
mpact to your 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-s=
ize-adjust: 100%;" align=3D"left">Thanks,<br />=0D=0A                 The U=
pgrade 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      <!--/P=
RIMARY--> =0D=0A      =0D=0A      <!-- CONTACT MODULE STARTS HERE-->=0D=0A =
     =0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" st=
yle=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-t=
able-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-=
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"center"><table align=3D"center" border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" style=3D"width: 100%; border-bottom-width: 1px; border-bott=
om-color: #cccccc; border-bottom-style: solid; max-width: 600px; 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"#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:=
 #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%;" align=3D"center">If you have questions, we're he=
re to help.=0D=0A    </td>=0D=0A  </tr>=0D=0A  <tr>=0D=0A    <td class=3D"m=
bl_text_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"font-family: Helvetica, Arial, serif; color: #4899C4 !important; text-d=
ecoration: underline; vertical-align: middle; display: inline-block; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 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      <table border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: colla=
pse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbo=
dy>=0D=0A          <tr>=0D=0A            <td align=3D"center" style=3D"mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; padding: 20px 0;"><table border=3D"0" cellpadding=3D"0" cellspa=
cing=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"padding-top: 15px; font-family: Helv=
etica, Arial, sans-serif; font-size: 12px; line-height: 18px; color: #37383=
A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;" align=3D"left">Personal loans made through Upgrade feat=
ure 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=
. Lowest rates require Autopay and paying off a portion of existing debt d=
irectly. 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 inc=
ludes 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 pay=
ment of $341.48. Over the life of the loan, your payments would total $12,2=
93.46. 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 sc=
ore, credit usage history, loan term, and other factors. Late payments or s=
ubsequent charges and fees may increase the cost of your fixed rate loan. T=
here is no fee or penalty for repaying a loan early. =0A  All loans, Person=
al Credit Lines, and checking and savings accounts are provided by Upgrade'=
s <a href=3D"https://link.upgrade.com/f/a/KMcqdZS-5UPCexHX6VRTQQ~~/AAQRxQA~=
/RgRpLc1kP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZ0=
ZkSEtnGLoyXFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" style=
=3D"vertical-align: top; color: #4899C4 !important; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank p=
artners</a>. Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1; ver=
tical-align: top;">=C2=AE</sup> Cards and Upgrade Visa<sup style=3D"font-si=
ze: 12px; line-height: 1; vertical-align: top;">=C2=AE</sup> Debit Cards ar=
e issued by Upgrade's <a href=3D"https://link.upgrade.com/f/a/KMcqdZS-5UPCe=
xHX6VRTQQ~~/AAQRxQA~/RgRpLc1kP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYX=
J0bmVycy9XA3NwY0IKZ0ZkSEtnGLoyXFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" tar=
get=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !important; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 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/jsNj9gKRGwL4dKCPm1fCHw~~/AAQRxQA~/RgRpLc1k=
P0RsaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTY=
zNjA3MzEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVw=
NzcGNCCmdGZEhLZxi6MlxSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" target=3D"_blan=
k" style=3D"vertical-align: top; color: #4899C4 !important; mso-line-height=
-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
">state licenses</a> and does business under the following <a href=3D"https=
://link.upgrade.com/f/a/sUq6CcO7NiQA0z9ZI7hRRA~~/AAQRxQA~/RgRpLc1kP0QcaHR0c=
HM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnRmRIS2cYujJcUhRpbmZvQHN0ZXJsaW5n=
Y2FsLmNvbVgEAAACFQ~~" 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%;">DBAs</a>. <br />=0A<br />=0AUpgrade =
is a <a href=3D"https://link.upgrade.com/f/a/9hk225VDVJGBbjNsJJ2LGw~~/AAQRx=
QA~/RgRpLc1kP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGV=
zLzExNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmdGZEhLZxi6MlxSFGluZm=
9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" target=3D"_blank" style=3D"vertical-align: =
top; color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;">financial technology compa=
ny, 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; c=
olor: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%;" align=3D"left">Your actual minimum payment,=
 payoff time and payoff cost of a credit card will depend on your account t=
erms and any future account activity. For example, if you have $9,500 in cr=
edit card debt with 20% APR, and make minimum monthly payments of 1% of the=
 outstanding balance plus new interest, you will pay $15,223 in finance cha=
rges over 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=
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0%; -webkit-text-size-adjust: 100%;">=0D=0A        <tr>=0D=0A          <td =
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