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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0ASimple and fast applic=
ation to check your rate with no=0Aobligations.=0A=0Aupgrade_logo ( https:/=
/link.upgrade.com/f/a/wRHferv93cwHtuLRARto9Q~~/AAQRxQA~/RgRpPbqzP0QXaHR0cHM=
6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZ1WzNVtnehssfVIUaW5mb0BzdGVybGluZ2NhbC5jb2=
1YBAAAAhU~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0AChecking you=
r rate for a personal loan through Upgrade is a=0A1-minute investment that =
could fast track you towards achieving=0Ayour financial goals.   Apply toda=
y, you could get your money=0Atomorrow1 and you can use your money wherever=
 you want - easy!=0AWhat=E2=80=99s stopping you from seeing how much money =
you qualify for=3F=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.c=
om/f/a/gBzjmiqnR26gwfo98xmC6w~~/AAQRxQA~/RgRpPbqzP0R7aHR0cHM6Ly93d3cudXBncm=
FkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1b=
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CmdVszVbZ3obLH1SFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV=0A)     =0A   All the =
best,=0AThe Upgrade Team   P.S. Checking your rate won=E2=80=99t impact you=
r=0Acredit score and there is no obligation, so why not take a minute=0Aand=
 see what you qualify for=3F (=0Ahttps://link.upgrade.com/f/a/8xY7XmUflSLB9=
Ek_CzHBYA~~/AAQRxQA~/RgRpPbqzP0QqaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL2=
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=3Futm_source=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dsend07_a&utm_con=
tent=3Demail_link=0A)=0AIf you have questions, we're here to help.=0Asuppor=
t@upgrade.com               Personal loans made through=0AUpgrade feature A=
nnual Percentage Rates (APRs) of 9.99%-35.99%.=0AAll personal loans have a =
1.85% to 9.99% origination fee, which=0Ais deducted from the loan proceeds.=
 Lowest rates require Autopay=0Aand paying off a portion of existing debt d=
irectly. Loans feature=0Arepayment terms of 24 to 84 months. For example, i=
f you receive a=0A$10,000 loan with a 36-month term and a 17.59% APR (which=
=0Aincludes a 13.94% yearly interest rate and a 5% one-time=0Aorigination f=
ee), you would receive $9,500 in your account and=0Awould have a required m=
onthly payment of $341.48. Over the life=0Aof the loan, your payments would=
 total $12,293.46. The APR on=0Ayour loan may be higher or lower and your l=
oan offers may not=0Ahave multiple term lengths available. Actual rate depe=
nds on=0Acredit score, credit usage history, loan term, and other factors.=
=0ALate payments or subsequent charges and fees may increase the=0Acost of =
your fixed rate loan. There is no fee or penalty for=0Arepaying a loan earl=
y.  All=0Aloans, Personal Credit Lines, and checking and savings accounts=
=0Aare provided by Upgrade's bank partners =0A( https://link.upgrade.com/f/=
a/8JuGpgL9yA-y99yLyDvDbQ~~/AAQRxQA~/RgRpPbqzP0QmaHR0cHM6Ly93d3cudXBncmFkZS5=
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1YBAAAAhU~ ). Upgrade Visa=C2=AE Cards and=0AUpgrade Visa=C2=AE Debit Cards=
 are issued by Upgrade's bank partners =0A( https://link.upgrade.com/f/a/8J=
uGpgL9yA-y99yLyDvDbQ~~/AAQRxQA~/RgRpPbqzP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20=
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AAAhU~ ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NM=
LS #1548935) holds the following state licenses=0A=0A( https://link.upgrade=
.com/f/a/AWPPUr0s3lmCSrLsJnzZAA~~/AAQRxQA~/RgRpPbqzP0RsaHR0cHM6Ly91cGdyYWR=
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GluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A and does business under the follow=
ing DBAs =0A( https://link.upgrade.com/f/a/Lub7GDk1oVadg_0h9XFBCw~~/AAQRxQA=
~/RgRpPbqzP0QcaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnVbM1W2d6Gyx9U=
hRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ ).=0A=0AUpgrade is a financial tech=
nology company, not a bank =0A( https://link.upgrade.com/f/a/UZXd-bE2-Onnt6=
2zHAmhqg~~/AAQRxQA~/RgRpPbqzP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2V=
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VbZ3obLH1SFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A. =0A=0A1Accept your loa=
n offer and your funds will be sent to your bank=0Aor designated account wi=
thin one (1) business day of clearing=0Anecessary verifications. Availabili=
ty of the funds is dependent=0Aon how quickly your bank processes the trans=
action. From the time=0Aof approval, funds sent directly to you should be a=
vailable=0Awithin one (1) business day. Funds sent directly to pay off your=
=0Acreditors may take up to 2 weeks to clear, depending on the=0Acreditor.=
=0A=0Afacebook =0A( https://link.upgrade.com/f/a/vTwCaSQwxhxGaqh33vGl5w~~/A=
AQRxQA~/RgRpPbqzP0R_aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY2Vib29=
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XJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0A=0Ainstagram =0A( https://link.upgrade.com/=
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jQgpnVbM1W2d6Gyx9UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0A=0Ablog =0A( =
https://link.upgrade.com/f/a/8jr1nzOPq4tZreLRbHcQqA~~/AAQRxQA~/RgRpPbqzP0SA=
aHR0cHM6Ly93d3cudXBncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3NvdXJ=
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MVcDc3BjQgpnVbM1W2d6Gyx9UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0AUpgrad=
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0%;">&nbsp;</td>=0D=0A    <td align=3D"center" style=3D"width: 600px; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacin=
g=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"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" cells=
pacing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;">=0D=0A                <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%; paddin=
g: 15px 0;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacin=
g=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-a=
djust: 100%;">=0D=0A                        <tbody>=0D=0A                  =
        <tr>=0D=0A                            <td align=3D"left" style=3D"m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"mblHeader" style=3D"width: 100%; max-width: 600px; border-collapse: c=
ollapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; min-width: 90% !important;">=0A  <t=
body>=0A    <tr>=0A      <td align=3D"center" valign=3D"top" style=3D"mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
>=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 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-adjus=
t: 100%; -webkit-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: 1=
00%; -webkit-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"htt=
ps://link.upgrade.com/f/a/wRHferv93cwHtuLRARto9Q~~/AAQRxQA~/RgRpPbqzP0QXaHR=
0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZ1WzNVtnehssfVIUaW5mb0BzdGVybGluZ2NhbC=
5jb21YBAAAAhU~" style=3D"font-family: Graphik, Helvetica, Arial, sans-serif=
; text-align: center; font-size: 20px; color: #4899C4 !important; text-deco=
ration: none; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;"><img alt=3D"upgrade_logo" border=3D"0" heigh=
t=3D"33" src=3D"https://braze-images.com/appboy/communication/assets/image_=
assets/images/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-decoratio=
n: 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                </table></td>=0A=
            </tr>=0A          </tbody>=0A        </table></td>=0A    </tr>=
=0A  </tbody>=0A</table>=0A<!-- X-250ok-CID: upgrade_pl_ita_declined_old_se=
nd07_a-->=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></t=
d>=0D=0A                          </tr>=0D=0A                        </tbod=
y>=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"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"#ffffff">=0D=0A        <tbody>=0D=0A        =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: 40px 0;"><=
table border=3D"0" cellpadding=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"=
padding-top: 0px; font-family: Helvetica, Arial, serif; font-size: 16px; li=
ne-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left"><span styl=
e=3D"font-size: 0px; line-height: 1;"></span>Hi,</td>=0D=0A                =
</tr>=0D=0A                <tr>=0D=0A                  <td style=3D"font-fa=
mily: 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 0px;" align=3D"left">Checking you=
r rate for a personal loan through Upgrade is a 1-minute investment that co=
uld fast track you towards achieving your financial goals.</td>=0D=0A      =
          </tr>=0D=0A                 <tr>=0D=0A                  <td style=
=3D"font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22p=
x; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left">A=
pply today, you could get your money tomorrow<sup style=3D"font-size: 10px;=
 line-height: 1;">1</sup> and you can use your money wherever you want - ea=
sy! </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">What=E2=80=99s stopping you from seeing how much money =
you qualify for=3F</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</spa=
n>=0D=0A=0D=0A=0D=0A=0D=0A<tr>=0D=0A  <td valign=3D"top" align=3D"center" w=
idth=3D"515" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-s=
ize: 16px; line-height: 24px; color: #ffffff !important; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 0px;"><!--/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"Check Your Rate" =
href=3D"https://link.upgrade.com/f/a/gBzjmiqnR26gwfo98xmC6w~~/AAQRxQA~/RgRp=
PbqzP0R7aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3V=
yY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDA3X2EmdXRtX2=
NvbnRlbnQ9ZW1haWxfY3RhVwNzcGNCCmdVszVbZ3obLH1SFGluZm9Ac3RlcmxpbmdjYWwuY29tW=
AQAAAIV" style=3D"display: inline-block; font-size: 16px; line-height: 24px=
; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; col=
or: #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]-->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         =
     <tr>=0D=0A                <td style=3D"padding-top: 25px; font-family:=
 Helvetica, Arial, serif; font-size: 16px; line-height: 22px; color: #37383=
A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;" align=3D"left">All the best,<br />=0D=0A               =
  The Upgrade Team</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-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;" align=3D"left">P.S. Checking your rate won=E2=80=99t impact your =
credit score and there is no obligation, so why not take a minute and <a al=
ias=3D"check it out today" href=3D"https://link.upgrade.com/f/a/Gq1hGCDcY2D=
5h7Inxw9inQ~~/AAQRxQA~/RgRpPbqzP0R8aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVs=
L25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2F=
tcGFpZ249c2VuZDA3X2EmdXRtX2NvbnRlbnQ9ZW1haWxfbGlua1cDc3BjQgpnVbM1W2d6Gyx9Uh=
RpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D"color: #4899C4 !important;=
 display: inline-block; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;">see what you qualify for=3F</a></t=
d>=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/8JuGpgL9yA-y99yLyDvDbQ~~/AAQRxQA~/RgRpP=
bqzP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZ1WzNVtn=
ehssfVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" 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/8JuGpgL9yA-y99yLyDv=
DbQ~~/AAQRxQA~/RgRpPbqzP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVy=
cy9XA3NwY0IKZ1WzNVtnehssfVIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" 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/AWPPUr0s3lmCSrLsJnzZAA~~/AAQRxQA~/RgRpPbqzP0RsaH=
R0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA3M=
zEtT3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcGNC=
CmdVszVbZ3obLH1SFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" 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/Lub7GDk1oVadg_0h9XFBCw~~/AAQRxQA~/RgRpPbqzP0QcaHR0cHM6Ly9=
3d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnVbM1W2d6Gyx9UhRpbmZvQHN0ZXJsaW5nY2FsLm=
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/UZXd-bE2-Onnt62zHAmhqg~~/AAQRxQA~/Rg=
RpPbqzP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExN=
TAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmdVszVbZ3obLH1SFGluZm9Ac3Rl=
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"><sup style=3D"font-size: 8px; line=
-height: 1;">1</sup>Accept your loan offer and your funds will be sent to y=
our bank or designated account within one (1) business day of clearing nece=
ssary verifications. Availability of the funds is dependent on how quickly =
your bank processes the transaction. From the time of approval, funds sent =
directly to you should be available within one (1) business day. Funds sent=
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