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Subject: Andrew, come back and see your new options
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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0AGet the money and reli=
ef you need with a personal loan.=0A=0Aupgrade_logo ( https://link.upgrade.=
com/f/a/sVP9v2KjnaXeJREIWfOrtA~~/AAQRxQA~/RgRpQDUJP0QXaHR0cHM6Ly93d3cudXBnc=
mFkZS5jb21XA3NwY0IKZ1UJsF1ndSluulIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0AAre your high-interest c=
redit cards or debt holding you back=3F If=0Ayou=E2=80=99re ready to circle=
 the date for when you can feel the relief=0Aof being debt free, it=E2=80=
=99s time to check your rate (=0Ahttps://link.upgrade.com/f/a/7_YeyhZtqqqEl=
jPFDblP5A~~/AAQRxQA~/RgRpQDUJP0QqaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL2=
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=3Futm_source=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dsend08_a&utm_con=
tent=3Demail_txt=0A) and see if you qualify for a personal loan through Upg=
rade.=0AUpgrade has helped thousands of people get on their way to=0Afinanc=
ial freedom =E2=80=93 and you could be next!=0A=E2=9C=93 Low fixed interest=
 rates that never change       =E2=9C=93=0AAffordable monthly payments     =
  =E2=9C=93 No prepayment penalty if you=0Adecide to pay off your loan earl=
y=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f/a/81u_WLM6FB=
jKTJtx9wbP3Q~~/AAQRxQA~/RgRpQDUJP0R7aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmV=
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GluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV=0A)     =0A   Thanks,=0AThe Upgrade Tea=
m              If you have questions, we're here=0Ato help.     support@upg=
rade.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. Lowe=
st=0Arates require Autopay and paying off a portion of existing debt=0Adire=
ctly. Loans feature repayment terms of 24 to 84 months. For=0Aexample, if y=
ou receive a $10,000 loan with a 36-month term and a=0A17.59% APR (which in=
cludes 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 monthl=
y payment of $341.48.=0AOver the life of the loan, your payments would tota=
l $12,293.46.=0AThe APR on your loan may be higher or lower and your loan o=
ffers=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/VkD=
NdS5g13DfOKI1i2mCUA~~/AAQRxQA~/RgRpQDUJP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20v=
YmFuay1wYXJ0bmVycy9XA3NwY0IKZ1UJsF1ndSluulIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAA=
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/VkDNdS=
5g13DfOKI1i2mCUA~~/AAQRxQA~/RgRpQDUJP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmF=
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U~ ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #=
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BAs =0A( https://link.upgrade.com/f/a/0WLz5QX6_FvZPOEv-6vUiA~~/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/3EHUoWJd-p-ec1cZq3H=
Ndg~~/AAQRxQA~/RgRpQDUJP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVz=
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luZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0AUpgrade      Upgrade is located at 2=
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AACFQ~~ )=0A=0A   Equal Housing Lender=0A        PL_ITA_DECL_OLD_S8
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equiv=3D"X-UA-Compatible" content=3D"IE=3Dedge" />=0D=0A<!--<![endif]-->=0D=
=0A<title>Upgrade</title>=0D=0A=0D=0A<!--[if gte mso 9]><xml>=0D=0A  <o:Off=
iceDocumentSettings>=0D=0A  <o:AllowPNG/>=0D=0A  <o:PixelsPerInch>96</o:Pix=
elsPerInch>=0D=0A  </o:OfficeDocumentSettings>=0D=0A  </xml><![endif]-->=0D=
=0A=0D=0A=0D=0A=0D=0A<!--PREHEADER STARTS HERE-->=0D=0A<table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: =
collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0D=0A  <tbody>=0D=0A    <tr>=0D=
=0A      <td style=3D"font-family: Helvetica, Arial, sans-serif; font-size:=
 1px; line-height: 1px; color: #f5f5f5; max-height: 0px; max-width: 0px; op=
acity: 0; overflow: hidden; display: none; mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">=
Get the money and relief you need with a personal loan.</td>=0D=0A    </tr>=
=0D=0A  </tbody>=0D=0A</table>=0D=0A<!--/PREHEADER ENDS HERE--> =0D=0A<!--A=
LL CONTENT STARTS HERE--> =0D=0A<!--HEADER STARTS HERE-->=0D=0A<table align=
=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mbl" =
style=3D"width: 100%; min-width: 100% !important; border-collapse: collapse=
; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%;=
 -webkit-text-size-adjust: 100%;" bgcolor=3D"#f5f5f5">=0D=0A  <tbody>=0D=0A=
  =0D=0A  <tr>=0D=0A    <td style=3D"font-size: 0; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;<=
/td>=0D=0A    <td align=3D"center" style=3D"width: 600px; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" =
valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" clas=
s=3D"mblHeader" style=3D"width: 100%; min-width: 90% !important; border-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A        <tbody>=0D=
=0A          <tr>=0D=0A            <td align=3D"center" valign=3D"top" styl=
e=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; m=
so-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" 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=
%;">=0D=0A                        <tbody>=0D=0A                          <t=
r>=0D=0A                            <td align=3D"left" style=3D"mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mblH=
eader" style=3D"width: 100%; max-width: 600px; border-collapse: collapse; m=
so-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -w=
ebkit-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: 1=
00%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0p=
t; -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-a=
djust: 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/sVP9v2KjnaXeJREIWfOrtA~~/AAQRxQA~/RgRpQDUJP0QXaHR0cHM6Ly93d3c=
udXBncmFkZS5jb21XA3NwY0IKZ1UJsF1ndSluulIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAh=
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_send08_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></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            =0D=0A                <tr>=0D=0A                  <td sty=
le=3D"padding-top: 0px; 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%;" align=3D"left"><spa=
n style=3D"font-size: 0px; line-height: 1;"></span>Hi,</td>=0D=0A          =
      </tr>=0D=0A                <tr>=0D=0A                  <td style=3D"f=
ont-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; co=
lor: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left">Are yo=
ur high-interest credit cards or debt holding you back=3F If you=E2=80=99re=
 ready to circle the date for when you can feel the relief of being debt fr=
ee, it=E2=80=99s time to <a href=3D"https://link.upgrade.com/f/a/uiUom_hRQf=
edmCzeoeH_FQ~~/AAQRxQA~/RgRpQDUJP0R7aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmV=
sL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2=
FtcGFpZ249c2VuZDA4X2EmdXRtX2NvbnRlbnQ9ZW1haWxfdHh0VwNzcGNCCmdVCbBdZ3UpbrpSF=
GluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" style=3D"color: #4899C4 !important; ms=
o-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-=
adjust: 100%;">check your rate</a> and see if you qualify for a personal lo=
an through Upgrade.</td>=0D=0A                </tr>=0D=0A                <t=
r>=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%; paddi=
ng: 15px 0px 0px;" align=3D"left">Upgrade has helped thousands of people ge=
t on their way to financial freedom =E2=80=93 <strong>and you could be next=
! </strong></td>=0D=0A                </tr>=0D=0A                <tr>=0D=0A=
                      <td style=3D"mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table style=3D"border-=
collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                 =
         <tr>=0D=0A                            <td valign=3D"top" align=3D"=
left" width=3D"25" style=3D"font-family: Helvetica, Arial, serif; font-size=
: 16px; line-height: 22px; color: #0E680E; mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 5p=
x 0px 20px;"><strong>=E2=9C=93&nbsp;</strong></td>=0D=0A                   =
         <td valign=3D"top" width=3D"515" 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%; -webki=
t-text-size-adjust: 100%;" align=3D"left">Low fixed interest rates that nev=
er change</td>=0D=0A                          </tr>=0D=0A                  =
      </table></td>=0D=0A                    </tr>=0D=0A                   =
  <tr>=0D=0A                      <td style=3D"mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table styl=
e=3D"border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0p=
t; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A     =
                     <tr>=0D=0A                            <td valign=3D"to=
p" align=3D"left" width=3D"25" style=3D"font-family: Helvetica, Arial, seri=
f; font-size: 16px; line-height: 22px; color: #0E680E; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padd=
ing: 15px 5px 0px 20px;"><strong>=E2=9C=93&nbsp;</strong></td>=0D=0A       =
                     <td valign=3D"top" width=3D"515" 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%; -webkit-text-size-adjust: 100%;" align=3D"left">Affordable monthly pa=
yments</td>=0D=0A                          </tr>=0D=0A                     =
   </table></td>=0D=0A                    </tr>=0D=0A                    <t=
r>=0D=0A                      <td style=3D"mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table style=3D=
"border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A         =
                 <tr>=0D=0A                            <td valign=3D"top" a=
lign=3D"left" width=3D"25" style=3D"font-family: Helvetica, Arial, serif; f=
ont-size: 16px; line-height: 22px; color: #0E680E; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding:=
 15px 5px 0px 20px;"><strong>=E2=9C=93&nbsp;</strong></td>=0D=0A           =
                 <td valign=3D"top" width=3D"515" style=3D"font-family: Hel=
vetica, Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%; padding: 15px 0px 20px;" align=3D"left">No prepayment penalt=
y if you decide to pay off your loan early</td>=0D=0A                      =
    </tr>=0D=0A                        </table></td>=0D=0A                 =
   </tr>=0D=0A                    =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"center" width=3D"515" s=
tyle=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; lin=
e-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"cta_t=
able" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 275p=
x; border-collapse: separate; -webkit-border-radius: 8px; -moz-border-radiu=
s: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px soli=
d #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A              <td=
 height=3D"45" style=3D"height: 40px; color: #ffffff; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" vali=
gn=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" href=3D"https:/=
/link.upgrade.com/f/a/81u_WLM6FBjKTJtx9wbP3Q~~/AAQRxQA~/RgRpQDUJP0R7aHR0cHM=
6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP3V0bV9zb3VyY2U9ZGVjbF9vbG=
QmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDA4X2EmdXRtX2NvbnRlbnQ9ZW1ha=
WxfY3RhVwNzcGNCCmdVCbBdZ3UpbrpSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" style=
=3D"display: inline-block; font-size: 16px; line-height: 24px; font-family:=
 Graphik, Helvetica, Arial, sans-serif; font-weight: 500; color: #ffffff !i=
mportant; text-decoration: none !important; letter-spacing: 0.5px; mso-line=
-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust=
: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Check Yo=
ur 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, Aria=
l, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-line-heig=
ht-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"width:=
 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: =
0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=
=3D"#F5F4F3">=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: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"c=
enter"><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%; border-bottom-width: 1px; border-bottom-color:=
 #cccccc; border-bottom-style: solid; max-width: 600px; border-collapse: co=
llapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=
=0A    <td class=3D"mbl_text_cs" style=3D"padding-top: 25px; font-family: H=
elvetica, Arial, serif; font-size: 16px; line-height: 20px; color: #37383A;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;" align=3D"center">If you have questions, we're here to hel=
p.=0D=0A    </td>=0D=0A  </tr>=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_c=
s" style=3D"font-family: Helvetica, Arial, serif; font-size: 16px; line-hei=
ght: 20px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 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-f=
amily: Helvetica, Arial, serif; color: #4899C4 !important; text-decoration:=
 underline; vertical-align: middle; display: inline-block; mso-line-height-=
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      <!--FOOT=
ER STARTS HERE-->=0D=0A      =0D=0A      <table border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-=
table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A=
          <tr>=0D=0A            <td align=3D"center" style=3D"mso-line-heig=
ht-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: 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"padding-top: 15px; font-family: Helvetica, Aria=
l, 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">Personal loans made through Upgrade feature 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 ra=
tes require Autopay and paying off a portion of existing debt directly. Loa=
ns 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 includes a 13.9=
4% yearly interest rate and a 5% one-time origination fee), you would recei=
ve $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 loan may be higher or lower and your loan offers may not have m=
ultiple term lengths available. Actual rate depends on credit score, credit=
 usage history, loan term, and other factors. Late payments or subsequent c=
harges and fees 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 L=
ines, and checking and savings accounts are provided by Upgrade's <a href=
=3D"https://link.upgrade.com/f/a/VkDNdS5g13DfOKI1i2mCUA~~/AAQRxQA~/RgRpQDUJ=
P0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZ1UJsF1ndSl=
uulIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" style=3D"verti=
cal-align: top; color: #4899C4 !important; mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank partners</=
a>. Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1; vertical-ali=
gn: 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/VkDNdS5g13DfOKI1i2mCUA=
~~/AAQRxQA~/RgRpQDUJP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20vYmFuay1wYXJ0bmVycy9=
XA3NwY0IKZ1UJsF1ndSluulIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_b=
lank" style=3D"vertical-align: top; color: #4899C4 !important; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;">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/qAW-AwRlcKkPcgePQkFPXw~~/AAQRxQA~/RgRpQDUJP0RsaHR0cH=
M6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA3MzEtT=
3ZlcnZpZXctU3RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcGNCCmdV=
CbBdZ3UpbrpSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV" 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%;">state =
licenses</a> and does business under the following <a href=3D"https://link.=
upgrade.com/f/a/0WLz5QX6_FvZPOEv-6vUiA~~/AAQRxQA~/RgRpQDUJP0QcaHR0cHM6Ly93d=
3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnVQmwXWd1KW66UhRpbmZvQHN0ZXJsaW5nY2FsLmNv=
bVgEAAACFQ~~" target=3D"_blank" style=3D"vertical-align: top; color: #4899C=
4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">DBAs</a>. <br />=0A<br />=0AUpgrade is a <a =
href=3D"https://link.upgrade.com/f/a/3EHUoWJd-p-ec1cZq3HNdg~~/AAQRxQA~/RgRp=
QDUJP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzExNTA=
wNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmdVCbBdZ3UpbrpSFGluZm9Ac3Rlcm=
xpbmdjYWwuY29tWAQAAAIV" target=3D"_blank" style=3D"vertical-align: top; col=
or: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;">financial technology company, not =
a bank</a>.=0A=0A</td>=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: #3=
7383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;" align=3D"left"><table align=3D"center" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600px=
; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A  <tr>=
=0D=0A    <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0=
px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width=
: 100%; border-top-width: 1px; border-top-color: #cecece; border-top-style:=
 solid; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace:=
 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A  =
      <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-height-rul=
e: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pad=
ding: 20px 0px 0px;"><table class=3D"center" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"60%" style=3D"text-align: cent=
er; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;=
">=0D=0A              <tbody>=0D=0A                <tr>=0D=0A              =
    <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-=
height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust:=
 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/bmeWVaEVcrPE1=
6Od7c5cqA~~/AAQRxQA~/RgRpQDUJP0R_aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZG=
VvbmZhY2Vib29rP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2Ftc=
GFpZ249c2VuZDA4X2EmdXRtX2NvbnRlbnQ9ZmFjZWJvb2tfbGlua1cDc3BjQgpnVQmwXWd1KW66=
UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" target=3D"_blank" alias=3D"facebo=
ok" style=3D"color: #4899C4 !important; mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https:=
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20ede0004c647b15/original.png=3F1710974041" border=3D"0" alt=3D"facebook" t=
itle=3D"facebook" width=3D"24" height=3D"auto" style=3D"text-align: center;=
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           </td>=0D=0A                  <td align=3D"center" valign=3D"midd=
le" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"https:=
//link.upgrade.com/f/a/ZEzFnxogTxXoiRjaBkZOGw~~/AAQRxQA~/RgRpQDUJP0R_aHR0cH=
M6Ly93d3cuaW5zdGFncmFtLmNvbS91cGdyYWRlX2NyZWRpdC8_dXRtX3NvdXJjZT1kZWNsX29sZ=
CZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMDhfYSZ1dG1fY29udGVudD1pbnN0=
YWdyYW1fbGlua1cDc3BjQgpnVQmwXWd1KW66UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~=
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; border-width: 0;" /></a>=0D=0A                  </td>=0D=0A              =
    <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-=
height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust:=
 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/zjiyJNdzMcLgh=
IwCJpWUNw~~/AAQRxQA~/RgRpQDUJP0SAaHR0cHM6Ly93d3cudXBncmFkZS5jb20vY3JlZGl0LW=
hlYWx0aC9pbnNpZ2h0cy8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWlsJnV0b=
V9jYW1wYWlnbj1zZW5kMDhfYSZ1dG1fY29udGVudD1ibG9nX2xpbmtXA3NwY0IKZ1UJsF1ndSlu=
ulIUaW5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~" target=3D"_blank" alias=3D"blog" =
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aze-images.com/appboy/communication/assets/image_assets/images/65fb64591720=
62004de47b44/original.png=3F1710974041" border=3D"0" alt=3D"blog" title=3D"=
blog" width=3D"47" height=3D"auto" style=3D"text-align: center; width: 47px=
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e: bicubic; padding: 0px; border-width: 0;" /></a>=0D=0A                  <=
/td>=0D=0A                </tr>=0D=0A              </tbody>=0D=0A          =
  </table></td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td sty=
le=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; =
line-height: 16px; font-weight: 500; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;=
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1EQTJObVUwTkRneE1pSjkvSXcwazFYc1hHeURFUGRKNDlPRC1XeWI4dDE5QklwRHRyWExELWdsZ=
FplNUhTSC1HUjBzc2ptUE5qUVhCYy10RWdkX1RjZjRDbklkaHNjQy1RVi1jMmhrZXp0VmRGMnFX=
RHdvYWllSVJHQ3BFN0JUQ2d3R3lONkwtMjNwWUFvZVJHNTJ4S3VTNTdNRmhnWV8tc3hRS3RUcVh=
fX3YySkZYZTg0Y2lSbWdLaHYtQV9Fd1d5cWNYUzA3MUlTcjdQaWJQVTQyd0huQU9lWlZNMEVIQj=
NKRUdSVEZnbnhJekhDU0dMbkloRGZ6dTFRUkRKcjEtN3A5MUlPWlQtcUhyRjlJRlhxcU0wWXk5S=
3IwdmtzYkkzcWdNb1NFclptTzAzSzNLY3RxdUhGSmZfNHFoZUVxNGhjVHE3dkRZRlVMeWZQWlN5=
Sll6ZFBXajEtc0dhN2lPNnhNdVB3VwNzcGNCCmdVCbBdZ3UpbrpSFGluZm9Ac3RlcmxpbmdjYWw=
uY29tWAQAAAIV" alias=3D"Preference" style=3D"font-family: Helvetica, Arial,=
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nderline; vertical-align: top; display: inline-block; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Upda=
te Preferences</a></td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A         =
 <td class=3D"body3" style=3D"mso-line-height-rule: exactly; -ms-text-size-=
adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=
=3D"center"><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%;"=
>=0D=0A            <tbody>=0D=0A              <tr>=0D=0A                <td=
 align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><img src=3D"https=
://braze-images.com/appboy/communication/assets/image_assets/images/64a74a9=
cc06c460050dbcfc2/original.png=3F1688685212" alt=3D"Upgrade" title=3D"Upgra=
de" border=3D"0" width=3D"120" height=3D"auto" style=3D"width: 120px; heigh=
t: auto; image-rendering: auto; outline: none; text-decoration: none; -ms-i=
nterpolation-mode: bicubic; border-width: 0;" /></td>=0D=0A              </=
tr>=0D=0A            </tbody>=0D=0A          </table></td>=0D=0A        </t=
r>=0D=0A        <tr>=0D=0A          <td style=3D"font-family: Graphik, Helv=
etica, Arial, sans-serif; font-size: 12px; line-height: 16px; color: #37383=
A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center">Upgrade is loca=
ted at 275 Battery Street, 23rd Floor, San Francisco, CA, 94111</td>=0D=0A =
       </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-family: Gra=
phik, Helvetica, Arial, sans-serif; font-size: 12px; line-height: 16px; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%; padding: 10px 0px 0px;" align=3D"center"><span class=3D"goomoj=
i">=C2=A9</span> 2024 Upgrade, Inc. All rights reserved. </td>=0D=0A       =
 </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-family: Graphik, =
Helvetica, Arial, sans-serif; font-size: 12px; line-height: 16px; color: #3=
7383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center"><a alias=3D=
"cta3_txt_privacy" href=3D"https://link.upgrade.com/f/a/GBXHHln-ZYfaD8q89ke=
T6A~~/AAQRxQA~/RgRpQDUJP0QfaHR0cHM6Ly93d3cudXBncmFkZS5jb20vcHJpdmFjeVcDc3Bj=
QgpnVQmwXWd1KW66UhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~" style=3D"font-fam=
ily: Helvetica, Arial, sans-serif; font-size: 12px; color: #4899C4 !importa=
nt; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;">Privacy Policy</a> </td>=
=0D=0A        </tr>=0D=0A<span style=3D"font-size: 0px; line-height: 1;">=
=0D=0A=0D=0A=0D=0A</span>=0D=0A        <tr>=0D=0A          <td align=3D"cen=
ter" style=3D"image-rendering: auto; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;=
"><img src=3D"https://braze-images.com/appboy/communication/assets/image_as=
sets/images/62c712c2931f9e0069af31f2/original.png=3F1657213634" alt=3D"Equa=
l Housing Lender" title=3D"Equal Housing Lender" border=3D"0" style=3D"heig=
ht: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bic=
ubic; border-width: 0;" /></td>=0D=0A        </tr>=0D=0A<span style=3D"font=
-size: 0px; line-height: 1;">=0D=0A=0D=0A</span>=0D=0A      </table></td>=
=0D=0A  </tr>=0D=0A</table>=0D=0A</td>=0D=0A                  </tr>=0D=0A  =
                <tr>=0D=0A                    <td style=3D"font-family: Hel=
vetica, Arial, sans-serif; font-size: 12px; line-height: 18px; color: #ffff=
ff; padding-top: 10px; mso-line-height-rule: exactly; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;" align=3D"left">PL_ITA_DECL_OLD_S8</=
td>=0D=0A                  </tr>=0D=0A                </tbody>=0D=0A       =
       </table></td>=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      =
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