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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0ACheck your rate and ge=
t started on your goals today.=0A=0Aupgrade_logo ( https://link.upgrade.com=
/f/a/seKfTMfolYgLwT7xnbzaiQ~~/AAQRxQA~/RgRpMweHP0QXaHR0cHM6Ly93d3cudXBncmFk=
ZS5jb21XA3NwY0IKZ0aHglBnF0NBv1IUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AStart taking control of your debt=0A=
Hi,=0AIf you=E2=80=99re looking to simplify and take control of your debt,=
=0Achecking your rate (=0Ahttps://link.upgrade.com/f/a/eHm76toDKXGX9u4mNrcT=
rQ~~/AAQRxQA~/RgRpMweHP0QqaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZ=
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ource=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dsend05&utm_content=3Dema=
il_link=0A) with Upgrade is a 1-minute investment that could fast-track you=
=0Atowards paying off your debt.=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://=
link.upgrade.com/f/a/tYHdhsjZsw4YFtuwn7jEfw~~/AAQRxQA~/RgRpMweHP0R5aHR0cHM6=
Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQ=
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N0YVcDc3BjQgpnRoeCUGcXQ0G_UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~=0A)     =
=0A   We look forward to helping=0Ayou circle the date on your calendar tha=
t you=E2=80=99ll be debt free.=0AAll the best,=0AThe Upgrade Team          =
    If you have questions, we're here=0Ato help.     support@upgrade.com   =
            Personal loans=0Amade through Upgrade feature Annual 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=0Arate=
s require Autopay and paying off a portion of existing debt=0Adirectly. Loa=
ns feature repayment terms of 24 to 84 months. For=0Aexample, if you receiv=
e a $10,000 loan with a 36-month term and a=0A17.59% APR (which 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 would total $12,293=
.46.=0AThe APR on your loan may be higher or lower and your loan offers=0A=
may not have multiple term lengths available. Actual rate depends=0Aon cred=
it score, credit usage history, loan term, and other=0Afactors. Late paymen=
ts or subsequent charges and fees may=0Aincrease the cost of your fixed rat=
e loan. There is no fee or=0Apenalty for repaying a loan early.=0A All loan=
s, Personal Credit=0ALines, and checking and savings accounts are provided =
by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/u4U6--9LjclH3j8=
RzZZrkQ~~/AAQRxQA~/RgRpMweHP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0=
bmVycy9XA3NwY0IKZ0aHglBnF0NBv1IUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ ) . Up=
grade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are issued=0Aby U=
pgrade's bank partners =0A( https://link.upgrade.com/f/a/u4U6--9LjclH3j8RzZ=
ZrkQ~~/AAQRxQA~/RgRpMweHP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmV=
ycy9XA3NwY0IKZ0aHglBnF0NBv1IUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ ), pursua=
nt to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) hol=
ds the following state licenses=0A=0A( https://link.upgrade.com/f/a/adoFpfB=
2DFIRPufUlCli7A~~/AAQRxQA~/RgRpMweHP0RsaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29t=
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djYWwuY29tWAQAAAIV )=0A and does business under the following DBAs =0A( htt=
ps://link.upgrade.com/f/a/WOHJ4fq6UES7ZYWDbhc_qA~~/AAQRxQA~/RgRpMweHP0QcaHR=
0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnRoeCUGcXQ0G_UhRpbmZvQHN0ZXJsaW=
5nY2FsLmNvbVgEAAACFQ~~ ).=0A=0AUpgrade is a financial technology company, n=
ot a bank =0A( https://link.upgrade.com/f/a/ybJlS5Dz6n-X8TtlUKFtGQ~~/AAQRxQ=
A~/RgRpMweHP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVz=
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Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A. =0A   Accept your loan offer and=0Ayour=
 funds will be sent to your bank or designated account within=0Aone (1) bus=
iness day of clearing necessary verifications.=0AAvailability of the funds =
is dependent on how quickly your bank=0Aprocesses the transaction. From the=
 time of approval, funds sent=0Adirectly to you should be available within =
one (1) business day.=0AFunds sent directly to pay off your creditors may t=
ake up to 2=0Aweeks to clear, depending on the creditor.=0A=0Afacebook =0A(=
 https://link.upgrade.com/f/a/nhRyRg7ejv_zCPwczZo3Zg~~/AAQRxQA~/RgRpMweHP0R=
9aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY2Vib29rP3V0bV9zb3VyY2U9ZG=
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AACFQ~~ )=0A=0A   Equal Housing Lender=0A        PL_ITA_DECL_OLD_S5
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lign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"mblHeader" style=3D"width: 100%; min-width: 90% !important; border-coll=
apse: 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"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: 90%; border-collapse: collapse; mso-table-lspace: 0pt; ms=
o-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; -m=
s-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" sty=
le=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-ta=
ble-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-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mblHe=
ader" style=3D"width: 100%; max-width: 600px; border-collapse: collapse; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; min-width: 90% !important;">=0A  <tbody>=0A   =
 <tr>=0A      <td align=3D"center" valign=3D"top" style=3D"mso-line-height-=
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: 10=
0%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A         =
 <tbody>=0A            <tr>=0A              <td style=3D"font-size: 0; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; padding: 0px;" valign=3D"top"><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%;">=0A                  <tbody>=0A             =
       <tr>=0A                      <td align=3D"center" valign=3D"middle" =
style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"https://link.up=
grade.com/f/a/seKfTMfolYgLwT7xnbzaiQ~~/AAQRxQA~/RgRpMweHP0QXaHR0cHM6Ly93d3c=
udXBncmFkZS5jb21XA3NwY0IKZ0aHglBnF0NBv1IUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAh=
U~" 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-adjust: 100%; -webkit-text-s=
ize-adjust: 100%;"><img alt=3D"upgrade_logo" border=3D"0" height=3D"33" src=
=3D"https://braze-images.com/appboy/communication/assets/image_assets/image=
s/63348ce6db77c73d707010e4/original.png=3F1664388326" style=3D"outline: 0px=
; width: 144px; height: auto; font-family: Graphik, Helvetica, Arial, sans-=
serif; font-size: 24px; color: rgb(0, 175, 106); text-decoration: none; -ms=
-interpolation-mode: bicubic; padding: 0px; border-width: 0px;" title=3D"lo=
go" width=3D"144" class=3D"center" /></a></td>=0A                    </tr>=
=0A                  </tbody>=0A                </table></td>=0A           =
 </tr>=0A          </tbody>=0A        </table></td>=0A    </tr>=0A  </tbody=
>=0A</table>=0A<!-- X-250ok-CID: upgrade_pl_ita_declined_old_send05-->=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 END=
S HERE--> =0D=0A      =0D=0A      <!--PRIMARY-->=0D=0A      =0D=0A      <ta=
ble border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; =
border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffff=
ff">=0D=0A        <tbody>=0D=0A        =0D=0A        <tr>=0D=0A          <t=
d align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%; padding: 40px 0;"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-coll=
apse: 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-family: H=
elvetica, Arial, serif; font-size: 24px; line-height: 32px; color: #0E680E;=
 font-weight: bold; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;" align=3D"left">Start taking control of=
 your debt</td>=0D=0A                </tr>=0D=0A                <tr>=0D=0A =
                 <td style=3D"padding-top: 15px; font-family: Helvetica, Ar=
ial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;" 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-family: Helvetica, Arial, serif; font-size: 16=
px; line-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 20=
px;" align=3D"left">If you=E2=80=99re looking to simplify and take control =
of your debt, <a alias=3D"checking your rate" href=3D"https://link.upgrade.=
com/f/a/1vQDlgxtXsU3QPwQ1KNnbw~~/AAQRxQA~/RgRpMweHP0R6aHR0cHM6Ly93d3cudXBnc=
mFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1=
bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDA1JnV0bV9jb250ZW50PWVtYWlsX2xpbmtXA3NwY0I=
KZ0aHglBnF0NBv1IUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" style=3D"color: #489=
9C4 !important; display: inline-block; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;">checking your rate<=
/a> with Upgrade is a 1-minute investment that could fast-track you towards=
 paying off your debt.</td>=0D=0A                </tr>=0D=0A               =
                 =0D=0A              <!--/BUTTON STARTS HERE-->=0D=0A      =
        <span style=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"cente=
r" width=3D"515" style=3D"font-family: Graphik, Helvetica, Arial, serif; fo=
nt-size: 16px; line-height: 24px; color: #ffffff !important; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 0px;"><!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"cent=
er" class=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" st=
yle=3D"width: 275px; border-collapse: separate; -webkit-border-radius: 8px;=
 -moz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-ta=
ble-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; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Check Your R=
ate" href=3D"https://link.upgrade.com/f/a/tYHdhsjZsw4YFtuwn7jEfw~~/AAQRxQA~=
/RgRpMweHP0R5aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV=
9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDA1JnV0b=
V9jb250ZW50PWVtYWlsX2N0YVcDc3BjQgpnRoeCUGcXQ0G_UhRpbmZvQHN0ZXJsaW5nY2FsLmNv=
bVgEAAACFQ~~" style=3D"display: inline-block; font-size: 16px; line-height:=
 24px; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500=
; color: #ffffff !important; text-decoration: none !important; letter-spaci=
ng: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 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: 2=
5px; font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22=
px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;" align=3D"left">We look forward to help=
ing you circle the date on your calendar that you=E2=80=99ll be debt free.<=
/td>=0D=0A                </tr>=0D=0A              <tr>=0D=0A              =
  <td style=3D"padding-top: 25px; font-family: Helvetica, Arial, serif; fon=
t-size: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"=
left">All the best,<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      <tabl=
e border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; bo=
rder-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#F5F4F3=
">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td style=3D"p=
adding-top: 0px; font-family: Helvetica, Arial, sans-serif; font-size: 12px=
; line-height: 18px; color: #37383A; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"center"><tab=
le align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 100%; border-bottom-width: 1px; border-bottom-color: #cccccc; bo=
rder-bottom-style: solid; max-width: 600px; border-collapse: collapse; mso-=
table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=0A    <td c=
lass=3D"mbl_text_cs" style=3D"padding-top: 25px; font-family: Helvetica, Ar=
ial, serif; font-size: 16px; line-height: 20px; color: #37383A; mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;" 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; line-height: 20px; c=
olor: #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: Helve=
tica, Arial, serif; color: #4899C4 !important; text-decoration: underline; =
vertical-align: middle; display: inline-block; mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">support@upg=
rade.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 HER=
E-->=0D=0A      =0D=0A      <table border=3D"0" cellpadding=3D"0" cellspaci=
ng=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-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 2=
0px 0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"wi=
dth: 90%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspac=
e: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A=
                <tbody>=0D=0A                  <tr>=0D=0A                  =
  <td style=3D"padding-top: 15px; font-family: Helvetica, Arial, sans-serif=
; font-size: 12px; line-height: 18px; color: #37383A; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" alig=
n=3D"left">Personal loans made through Upgrade feature Annual Percentage Ra=
tes (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origin=
ation fee, which is deducted from the loan proceeds. Lowest rates require A=
utopay and paying off a portion of existing debt directly. Loans feature re=
payment terms of 24 to 84 months. For example, if you receive a $10,000 loa=
n with a 36-month term and a 17.59% APR (which includes a 13.94% yearly int=
erest rate and a 5% one-time origination fee), you would 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 $12,293.46. The APR on your lo=
an may be higher or lower and your loan offers may not have multiple term l=
engths available. Actual rate depends on credit score, credit usage history=
, loan term, and other factors. Late payments or subsequent charges and fee=
s may increase the cost of your fixed rate loan. There is no fee or penalty=
 for repaying a loan early. =0A  All loans, Personal Credit Lines, and chec=
king and savings accounts are provided by Upgrade's <a href=3D"https://link=
.upgrade.com/f/a/u4U6--9LjclH3j8RzZZrkQ~~/AAQRxQA~/RgRpMweHP0QmaHR0cHM6Ly9=
3d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZ0aHglBnF0NBv1IUaW5mb0BzdG=
VybGluZ2NhbC5jb21YBAAAAhU~" 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%;">bank partners</a>. Upgrade Vis=
a<sup style=3D"font-size: 12px; line-height: 1; vertical-align: top;">=C2=
=AE</sup> Cards and Upgrade Visa<sup style=3D"font-size: 12px; line-height:=
 1; vertical-align: top;">=C2=AE</sup> Debit Cards are issued by Upgrade's =
<a href=3D"https://link.upgrade.com/f/a/u4U6--9LjclH3j8RzZZrkQ~~/AAQRxQA~/R=
gRpMweHP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZ0aH=
glBnF0NBv1IUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" 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>, pursuant to a license from Visa USA Inc. <br />=0A<br />=0AUpg=
rade, Inc. (NMLS #1548935) holds the following <a href=3D"https://link.upgr=
ade.com/f/a/adoFpfB2DFIRPufUlCli7A~~/AAQRxQA~/RgRpMweHP0RsaHR0cHM6Ly91cGdyY=
WRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA3MzEtT3ZlcnZpZXct=
U3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcGNCCmdGh4JQZxdDQb9=
SFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" target=3D"_blank" style=3D"vertical-=
align: top; color: #4899C4 !important; mso-line-height-rule: exactly; -ms-t=
ext-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/WOHJ4fq6UES7ZYWDbhc_qA~~/AAQRxQA~/RgRpMweHP0QcaHR0cHM6Ly93d3cudXBncmFkZS=
5jb20vZGJhL1cDc3BjQgpnRoeCUGcXQ0G_UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~"=
 target=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !important;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;">DBAs</a>. <br />=0A<br />=0AUpgrade is a <a href=3D"https=
://link.upgrade.com/f/a/ybJlS5Dz6n-X8TtlUKFtGQ~~/AAQRxQA~/RgRpMweHP0ROaHR0c=
HM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExNTAwNTIwMjQwNy0t=
SXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmdGh4JQZxdDQb9SFGluZm9Ac3RlcmxpbmdjYWwuY29=
tWAQAAAIV" target=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !=
important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;">financial technology company, not a bank</a>.=
=0A=0A</td>=0D=0A                  </tr>=0D=0A                  <tr>=0D=0A =
                   <td style=3D"padding-top: 15px; font-family: Helvetica, =
Arial, sans-serif; font-size: 12px; line-height: 18px; color: #37383A; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;" align=3D"left">Accept your loan offer and your funds will be s=
ent to your bank or designated account within one (1) business day of clear=
ing necessary verifications. Availability of the funds is dependent on how =
quickly your bank processes the transaction. From the time of approval, fun=
ds sent directly to you should be available within one (1) business day. Fu=
nds sent directly to pay off your creditors may take up to 2 weeks to clear=
, depending on the creditor.</td>=0D=0A                  </tr>=0D=0A       =
           <tr>=0D=0A                    <td style=3D"padding-top: 15px; fo=
nt-family: Helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px=
; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%;" align=3D"left"><table align=3D"center" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-w=
idth: 600px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rs=
pace: 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: exac=
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