Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id E+jbH3m1gmc3KQIAchKAPA (envelope-from ) for ; Sat, 11 Jan 2025 12:16:25 -0600 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Sat, 11 Jan 2025 12:16:25 -0600 Received: from bz1170.e.upgrade.com ([223.165.123.182]:32365) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1tWg24-000anj-2w for info@sterlingcal.com; Sat, 11 Jan 2025 12:16:25 -0600 X-MSFBL: tUda1/LhDZpEbd/NfUEK4MoAMyACFPg9KmWwrFR9+oA=|eyJzdWJhY2NvdW50X2l kIjoiNTMzIiwibWVzc2FnZV9pZCI6IjY3N2Y2ZGI1ODI2N2VhZGMzZTA4IiwiY3V zdG9tZXJfaWQiOiIyNjY2OTMiLCJ0ZW5hbnRfaWQiOiJzcGMiLCJyIjoiaW5mb0B zdGVybGluZ2NhbC5jb20ifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com; s=scph0422; t=1736619373; i=@e.upgrade.com; bh=UEmP6jbkkxB3uM20BLCb6sLYG4DPrYt4nlL1X3JNS4s=; h=From:Message-ID:List-Unsubscribe:Subject:List-Unsubscribe-Post:To: Date:Content-Type:From:To:Cc:Subject; b=J4mkun4WyDZYo0u/DBxrc8CdMuMpMyRsHhWOiVexoDPvLRWdQi/DUED745M1NPnSt blpa0unoFkN5TXBztFWC28VXIQYF90/gkCHQhaMbCZ+VRfWWOsxfa2YMJTcb32JWve Dv89GN8cG/1GsO40V3XbYgbcplD+25I0EXEZZP/Y= From: "Upgrade" Message-ID: <80.E3.41902.D65B2876@i-0a647a9d340a7f094.mta1vrest.sd.prd.sparkpost> List-Unsubscribe: , Subject: Andrew, what are you waiting for? 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List-Unsubscribe-Post: List-Unsubscribe=One-Click To: info@sterlingcal.com Date: Sat, 11 Jan 2025 18:16:13 +0000 Content-Type: multipart/alternative; boundary="_----EGKXCV7MsjwI5bRkVFY5kg===_0C/D3-41902-D65B2876" MIME-Version: 1.0 Reply-To: noreply.email@upgrade.com X-Spam-Status: No, score=-3.3 X-Spam-Score: -32 X-Spam-Bar: --- X-Spam-Flag: NO --_----EGKXCV7MsjwI5bRkVFY5kg===_0C/D3-41902-D65B2876 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset="UTF-8" =0A=0A=0A=0A=0A=0A=0A=0A=0A Upgrade 96=0AWipe out your credit c= ard debt in as few as 36 months with a=0Apersonal loan through Upgrade.=0A= =0Aupgrade_logo ( https://link.upgrade.com/f/a/TzDcUiy1qoSrhwVR_28A4w~~/AAQ= RxQA~/RgRpZTptP0QXaHR0cHM6Ly93d3cudXBncmFkZS5jb21XA3NwY0IKZ39ttYJn6tw-CFIUa= W5mb0BzdGVybGluZ2NhbC5jb21YBAAAAhU~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A = How much=0Acould you save=3F=0AHi,=0ADid you know that o= nly paying the minimum payment on your credit=0Acard each month can draw ou= t your repayment for over a decade=3F=0AWith a personal loan (=0Ahttps://li= nk.upgrade.com/f/a/XWrZ-BasPg-Q6y9M3dk8oQ~~/AAQRxQA~/RgRpZTptP0QqaHR0cHM6Ly= 93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsVwNzcGNCCmd_bbWCZ-rcPghSFGluZ= m9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV=3Futm_source=3Ddecl_old&utm_medium=3Demail&= utm_campaign=3Dsend04_b&utm_content=3Demail_link=0A) through Upgrade you ca= n wipe out your credit card debt in as=0Afew as 36 months. =0A=0A=0A=0ACh= eck Your Rate (=0Ahttps://link.upgrade.com/f/a/ED75djRU1-P4BiB6u0V2Ig~~/AAQ= RxQA~/RgRpZTptP0R7aHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVubmVsP= 3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZDA0= X2ImdXRtX2NvbnRlbnQ9ZW1haWxfY3RhVwNzcGNCCmd_bbWCZ-rcPghSFGluZm9Ac3Rlcmxpbmd= jYWwuY29tWAQAAAIV=0A) =0A It=E2=80=99s easy to check your rate=0A=E2= =80=94 click here (=0Ahttps://link.upgrade.com/f/a/XWrZ-BasPg-Q6y9M3dk8oQ~~= /AAQRxQA~/RgRpZTptP0QqaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZnVubmVsL25vbmRtZnVub= mVsVwNzcGNCCmd_bbWCZ-rcPghSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV=3Futm_sourc= e=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dsend04_b&utm_content=3Demail= _link=0A) to see how much you could save. When you check your rate, there= =0Ais no obligation and no impact to your credit score. Thanks,=0AThe Upg= rade Team If you have questions, we're here=0Ato help. sup= port@upgrade.com Personal loans=0Amade through Upgrade featur= e 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 procee= ds. Lowest=0Arates require Autopay and paying off a portion of existing deb= t=0Adirectly. Loans feature repayment terms of 24 to 84 months. For=0Aexamp= le, if you receive 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 originatio= n fee), you would receive $9,500 in your=0Aaccount and would have a require= d monthly payment of $341.48.=0AOver the life of the loan, your payments wo= uld total $12,293.46.=0AThe APR on your loan may be higher or lower and you= r loan offers=0Amay not have multiple term lengths available. Actual rate d= epends=0Aon credit score, credit usage history, loan term, and other=0Afact= ors. Late payments or subsequent charges and fees may=0Aincrease the cost o= f your fixed rate loan. There is no fee or=0Apenalty for repaying a loan ea= rly.=0A All loans, Personal Credit=0ALines, and checking and savings accoun= ts are provided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a= /t8dWgBiCXhCvUmbDlDIkjQ~~/AAQRxQA~/RgRpZTptP0QmaHR0cHM6Ly93d3cudXBncmFkZS5j= b20vYmFuay1wYXJ0bmVycy9XA3NwY0IKZ39ttYJn6tw-CFIUaW5mb0BzdGVybGluZ2NhbC5jb21= YBAAAAhU~ ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards a= re issued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f/a/t8= dWgBiCXhCvUmbDlDIkjQ~~/AAQRxQA~/RgRpZTptP0QmaHR0cHM6Ly93d3cudXBncmFkZS5jb20= vYmFuay1wYXJ0bmVycy9XA3NwY0IKZ39ttYJn6tw-CFIUaW5mb0BzdGVybGluZ2NhbC5jb21YBA= 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/stELiv44PwA8X8CsTHm2lw~~/AAQRxQA~/RgRpZTptP0RsaHR0cHM6Ly91cGdyYWR= lLnplbmRlc2suY29tL2hjL2VuLXVzL2FydGljbGVzLzQ0MDQ0MTYzNjA3MzEtT3ZlcnZpZXctU3= RhdGUtTGljZW5zZXMtYW5kLUNvbnN1bWVyLUluZm9ybWF0aW9uVwNzcGNCCmd_bbWCZ-rcPghSF= GluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A and does business under the follow= ing DBAs =0A( https://link.upgrade.com/f/a/GmZxC3S7bQRRMyH9DaseiQ~~/AAQRxQA= ~/RgRpZTptP0QcaHR0cHM6Ly93d3cudXBncmFkZS5jb20vZGJhL1cDc3BjQgpnf221gmfq3D4IU= hRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ ).=0A=0AUpgrade is a financial tech= nology company, not a bank =0A( https://link.upgrade.com/f/a/YO886M3s9iQyvw= RycjSYuA~~/AAQRxQA~/RgRpZTptP0ROaHR0cHM6Ly91cGdyYWRlLnplbmRlc2suY29tL2hjL2V= uLXVzL2FydGljbGVzLzExNTAwNTIwMjQwNy0tSXMtVXBncmFkZS1hLWJhbmstVwNzcGNCCmd_bb= WCZ-rcPghSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0A. =0A Accept your loan= offer and=0Ayour funds will be sent to your bank or designated account wit= hin=0Aone (1) business day of clearing necessary verifications.=0AAvailabil= ity of the funds is dependent on how quickly your bank=0Aprocesses the tran= saction. From the time of approval, funds sent=0Adirectly to you should be = available within one (1) business day.=0AFunds sent directly to pay off you= r creditors may take up to 2=0Aweeks to clear, depending on the creditor.= =0A=0Afacebook =0A( https://link.upgrade.com/f/a/6lsF-XzDqb41yIysI8SC4w~~/A= AQRxQA~/RgRpZTptP0R_aHR0cHM6Ly93d3cuZmFjZWJvb2suY29tL3VwZ3JhZGVvbmZhY2Vib29= rP3V0bV9zb3VyY2U9ZGVjbF9vbGQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fY2FtcGFpZ249c2VuZD= A0X2ImdXRtX2NvbnRlbnQ9ZmFjZWJvb2tfbGlua1cDc3BjQgpnf221gmfq3D4IUhRpbmZvQHN0Z= XJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0A=0Ainstagram =0A( https://link.upgrade.com/= f/a/e46tpZQuWMujLjynclEvrg~~/AAQRxQA~/RgRpZTptP0R_aHR0cHM6Ly93d3cuaW5zdGFnc= mFtLmNvbS91cGdyYWRlX2NyZWRpdC8_dXRtX3NvdXJjZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVt= YWlsJnV0bV9jYW1wYWlnbj1zZW5kMDRfYiZ1dG1fY29udGVudD1pbnN0YWdyYW1fbGlua1cDc3B= jQgpnf221gmfq3D4IUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0A=0Ablog =0A( = https://link.upgrade.com/f/a/M-Um7W-Dyz7mRFXLNnlZ-A~~/AAQRxQA~/RgRpZTptP0SA= aHR0cHM6Ly93d3cudXBncmFkZS5jb20vY3JlZGl0LWhlYWx0aC9pbnNpZ2h0cy8_dXRtX3NvdXJ= jZT1kZWNsX29sZCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9jYW1wYWlnbj1zZW5kMDRfYiZ1dG1fY2= 9udGVudD1ibG9nX2xpbmtXA3NwY0IKZ39ttYJn6tw-CFIUaW5mb0BzdGVybGluZ2NhbC5jb21YB= AAAAhU~ )=0A Please do not reply directly to this message as it was= =0Asent from an unattended mailbox. This email contains=0Aadvertising co= ntent and was sent to=0Ainfo@sterlingcal.com based on your communication=0A= preferences. No longer want to receive these emails=3F=0AUnsubscribe ( h= ttps://link.upgrade.com/f/a/rYhLLzHTCVEk-gJbXqDNpw~~/AAQRxQA~/RgRpZTptP4T9A= Wh0dHBzOi8vMDUuZW1haWxpbmJvdW5kcHJvY2Vzc2luZy5jb20vZW5jX3VzZXIvdW5zdWJzY3Jp= YmU_ZD0lMjQxJTI0ZlVOYnZWbVBVa2liTndWMU1OcmNrUSUzRCUzRCUyNEpabFE2M1BrcEk0Tlc= wTk1OOEJWb0xDY3ZRVExjelFnYiUyRnBzdVRWMXB4b1BLSlBRVFJ3YkU0aUFFUm9CJTBBc3h1OE= E0eEl1TjlEeDFrT1haWU1pbm1NRHpnclhmM1J3RiUyRkdhbE0wNCUyRnZna3drWGdQTU9yJTJGU= TdiRlJ6JTBBOWNzcnJsTlkybExTZVd2SnBRaDJHSVdCUkxCajNuRkZjajg5UkJHcEYlMkZQdlFs= ZU9uSkU5ZE8xN2pYc08lMEFkUzNkOTEzeDdtOTloRGlrTTN4Q0dnTFh2cnFMeUxRaWwzUVkxQXN= QZFpVUSUyQldsZURKb1h5ciUyRlk5UnBWJTBBaUVaejdhWElwOWJseDVYNGRSazVrY1RBbURaOD= lrSTAxTkJiTkdvYSUyRkRST0YlMkJ5dElsRUklMkJrZFdHRnlEJTBBU3FFM0EyYm56VUpvajNFY= k1jbU1ENmNtWDRZTFp1Y09nb29uYnltMXR6eFZ6Q3ZDZGZHJTJGZm1IVjFMeUglMEF2dFElM0Qm= MT0xVwNzcGNCCmd_bbWCZ-rcPghSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV ) or Updat= e=0APreferences ( https://link.upgrade.com/f/a/T_PtNGnjxMGHpsEn2GDiuA~~/AAQ= RxQA~/RgRpZTptP4QLA2h0dHBzOi8vMDUuZW1haWxpbmJvdW5kcHJvY2Vzc2luZy5jb20vcHJlZ= mVyZW5jZV9jZW50ZXIvdjEvZXlKaGJHY2lPaUpTVXpJMU5pSjkvZXlKemRXSWlPaUp3WTNZeElp= d2lhV0YwSWpveE56TTJOakU1TXpjd0xDSmxlSEFpT2pFM05qZ3hOVFV6TnpBc0ltUWlPaUlrTUN= RNGFVUm5WQzlGT1ZOTFVIWTFiR05wTVVGQllWbFJQVDBrUzJ0ak5uWndUek52VWtaaVVVWjZRMj= V6YjFCNmJHWXJaRzlHTVd4SldHeE5lRnBDY25OVE1tUnpNbTE1VURsUk9YaFRja1ZaV2xKYVJXb= E5YRzVTVmxkUklpd2lhQ0k2SWpBMUxtVnRZV2xzYVc1aWIzVnVaSEJ5YjJObGMzTnBibWN1WTI5= dElpd2lZeUk2SWpVeU55SXNJbTBpT2lJMk0ySTBZek5rTnpFM01EVXpNVEF3TmpabE5EUTNabVl= pTENKM0lqb2lNVEU1SWl3aWRpSTZJall6WWpSak0yUTNNVGN3TlRNeE1EQTJObVUwTkRneE1pSj= kvU3U4UzJncXhXeHFWV3NBTXlVM2o1cVZCRjlRbjlDSi1nVkl0SHMtcE1aU0I2SlYwaXJZd203R= HBIbWk4bUVoNkRrclpLUEJDNkVIVlZuZWZSU2RvSVNHNGFaTzVXWC1LZ3FLM05OUGF3Yk5pNjZn= dnNjdlRyUjhmZlZ6NlJIVG5rU28wS1IxWTRmV3piUlRxSWw0SnZSQk1IeWgtaW8tQXN0YU5JODk= 1MW92SEptdjVXZzB4QWxqaU9UekVMalY3czRfMEdCTGY2S3hYdzFMLUVlcTZSV3o0SUxpVWxKdH= ZOM1ozTFFCTGRLenJmQTNhQUJiN2ZqRTJBdWRsVDFmMktUcGJRc3o2TU1keUd5VXFPTWhLc0Q4c= 0pFaU5hYXk4Nkx4UTNfQlFLbkhHOHNBZXhrbTRoSnRoUTJLRmhoV2x6M0k5Tm50MHV3VENfcjdw= VW51NTN3VwNzcGNCCmd_bbWCZ-rcPghSFGluZm9Ac3RlcmxpbmdjYWwuY29tWAQAAAIV )=0AUp= grade Upgrade is located at 275 Battery Street, 23rd=0AFloor, San Fran= cisco, CA, 94111=0A=C2=A9 2025 Upgrade, Inc. All rights=0Areserved.=0APriva= cy Policy ( https://link.upgrade.com/f/a/oIc4kx2PshskTMNHLkYfcA~~/AAQRxQA~/= RgRpZTptP0QfaHR0cHM6Ly93d3cudXBncmFkZS5jb20vcHJpdmFjeVcDc3BjQgpnf221gmfq3D4= IUhRpbmZvQHN0ZXJsaW5nY2FsLmNvbVgEAAACFQ~~ )=0A=0A Equal Housing Lender=0A= PL_ITA_DECL_OLD_S4 --_----EGKXCV7MsjwI5bRkVFY5kg===_0C/D3-41902-D65B2876 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="UTF-8" =0A=0A =0A =0A =0A =0A =0D=0A=0D=0A=0D=0A= =0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D= =0AUpgrade=0D=0A=0D=0A=0D= =0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A =0D=0A =0D= =0A =0D=0A =0D=0A =0D=0A
= Wipe out your credit card debt in as few as 36 months with a personal loan = through Upgrade.
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=0A = =0A =0A =0A =0A =0A =
3D"upgrade_lo=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A =0D=0A= =0D=0A=0D=0A=0A=0A=0A=0A=0A=0A
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=0D=0A =0D=0A = =0D=0A =0D= =0A =0D=0A =0D=0A <= td style=3D"padding-top: 15px; font-family: Helvetica, Arial, serif; font-s= ize: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: exactly= ; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"lef= t">Hi,=0D=0A = =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A=0D=0A=0D=0A=0D= =0A=0D=0A=0D=0A=0D=0A=0D=0A =0D=0A=0D=0A=0D=0A=0D= =0A=0D=0A =0D=0A =0D=0A=0D=0A=0D=0A = =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A
How much could you save=3F
Did you know that only paying the minimum payment on your credit card eac= h month can draw out your repayment for over a decade=3F With a personal loan through Upgrade you can wipe = out your credit card debt in as few as 36 months.
=0D=0A =0D=0A =0D=0A = =0D=0A= =0D=0A
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It=E2=80=99s easy to check your = rate =E2=80=94 click here to see= how much you could save. When you check your rate, there is no obligation = and no impact to your credit score.
Thanks,
=0D=0A = The Upgrade Team
=0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A =0D=0A= =0D=0A =0D=0A =0D=0A =0D=0A=0D=0A=0D=0A =0D=0A =0D= =0A =0D=0A = =0D=0A =0D=0A
=0D=0A =0D=0A = =0D=0A =0D=0A =0D= =0A =0D=0A =0D=0A = =0D=0A =0D=0A <= td style=3D"padding-top: 15px; 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"left">
Personal loans made through = Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All persona= l loans have a 1.85% to 9.99% origination fee, which is deducted from the l= oan proceeds. Lowest rates require Autopay and paying off a portion of exis= ting debt directly. Loans feature repayment terms of 24 to 84 months. For e= xample, if you receive 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 originatio= n 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 loan may be higher or lower and your loan= offers may not have multiple term lengths available. Actual rate depends o= n credit score, credit usage history, loan term, and other factors. Late pa= yments or subsequent charges and fees may increase the cost of your fixed r= ate loan. There is no fee or penalty for repaying a loan early. =0A All lo= ans, Personal Credit Lines, and checking and savings accounts are provided = by Upgrade's bank partners. Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Deb= it Cards are issued by Upgrade's bank partners, pursuant to a license from Visa= USA Inc.
=0A
=0AUpgrade, Inc. (NMLS #1548935) holds the followi= ng state licenses and does business under the following DBAs.
=0A
= =0AUpgrade is a financial techn= ology company, not a bank.=0A=0A
Accept your loa= n offer and your funds will be sent to your bank or designated account with= in one (1) business day of clearing necessary verifications. Availability o= f the funds is dependent on how quickly your bank processes the transaction= . From the time of approval, funds sent directly to you should be availabl= e within one (1) business day. Funds sent directly to pay off your creditor= s may take up to 2 weeks to clear, depending on the creditor.
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