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From: "Upgrade" <email@e.upgrade.com>
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Subject:  Introducing no monthly fee Rewards Checking Plus 
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To: info@sterlingcal.com
Date: Fri, 07 Feb 2025 01:41:46 +0000
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=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     =
96=0ACheck out cash back rewards and more with Rewards Checking Plus=0Aacco=
unts.=0A=0Aupgrade_logo ( https://link.upgrade.com/f/a/WopZZyefUJPp4T-4WeFy=
kA~~/AAQRxRA~/xy1lMs6gbxdMvKfgbqPxbbTM821QjMbkrF_XXSN1hkgj-MQT5kH7-FiK9qGV6=
J3NJMvoCeqK1Ib2JN2hzLI7ca4atA1ue8PeREeY7fHsATU~ )=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0AIntroducing Rewards Checking Plus=0AHi,=0AWe=E2=80=99re plea=
sed to announce Rewards Checking Plus =E2=80=93 a no-monthly=0Afees1 accoun=
t with up to 2% cash back on purchases.2=0A=0A=0A=0A=0AGet Started (=0Ahttp=
s://link.upgrade.com/f/a/JSyBJdPVMmEaE3N0yCPdzw~~/AAQRxRA~/Y5a_80lLo_tWCFwo=
8HUo2cw7CF4JJqVawU1iyn66l5N007IpHJr2QnzwTFXNNWt133fVmmMJ8Rzz5_CsPSIaxTxzYbL=
e7N_nwwgBSiLh9NwLomNFjwjUQXjsxV6WJmRF_w0KLTukH-sZV00wHCpdk9C51_NzwdjEkFvKOb=
pwNPTf1ZMI1P5-tcyCJ1hsdwYSTlg_rXXaRwiagM64ns37nPR16tLxWKdjAhIVTs3pFLjiqQ82H=
YImb0wvexSu70XyUw-wDDvmQjSVCOayusTc7Q~~=0A)     =0A   It=E2=80=99s easy to =
check out=0ARewards Checking Plus (=0Ahttps://link.upgrade.com/f/a/cod0qGnm=
tNrBgXCD3FZeUw~~/AAQRxRA~/hjFkwvsdtPsgQF_9DOQqyv01rf8Dkk2di0tTBzxH7Gk9FAGWo=
GiFP58YXiYi-naRrsiX-Esc3vAK9nOaSNd3ZhNZlUyasQx6S1OZvpvgVOCcwvNnbR7oFHBPKzoM=
7UscT-oLVgCh8KqEZGH5I4pPBw~~=3Futm_source=3Drcxselldecl_pl_o&utm_medium=3De=
mail&utm_campaign=3Drcxselldecl_pl_o_send01&utm_content=3Demail_link=0A) =
=E2=80=93 simply answer a few quick questions to get started. Pair with=0At=
he Performance Savings account through=0AUpgrade3 and reach your goals=0Afa=
ster!    Thanks,=0AThe Upgrade Team              If you have questions, we'=
re here=0Ato help.     support@upgrade.com=0A=0A=0A=0A=0A      Download the=
 Upgrade app=0Atoday and start managing your account on the go.=0ADownload =
in the App Store ( https://link.upgrade.com/f/a/iGF6qMJKC-JDb8ASQKWHMA~~/AA=
QRxRA~/8idYkY8VV0gdzRMORWUwOpOc3uYP2Q5UOwBe5VM0GcNa8VgjjlJp3FCLjXeREueoVHyi=
mmjoS8I3bln6r3vVCtsemswsvKMuzdSz-PoCB7st6Buc-tgQdyKt5FV-IpLt )=0AAndroid Ap=
p in Google Play ( https://link.upgrade.com/f/a/QurXXAqGvoNWDG8TlV1diQ~~/AA=
QRxRA~/8idYkY8VV0gdzRMORWUwOpOc3uYP2Q5UOwBe5VM0GcOFAJKZnscXNu5EO1YCaeCNaXhL=
LiH8e3MbE5QjV40UR3FvRB2JzKtyBIPEphgrfSiEiDoQEtj2XnTnqbovzIVs )=0AApp Store=
=C2=AE is a registered trademark of Apple Inc. Google Play=E2=84=A2=0Aand t=
he Google Play logo are trademarks of Google LLC.=0A=0A1 There are no overd=
raft fees or annual fees associated with=0ARewards Checking Plus accounts. =
Optional out-of-network ATM=0Awithdrawals are subject to a fee of $2.50, pl=
us any third-party=0Afees. Debit card transactions with merchants outside t=
he U.S. or=0Ain a foreign currency are subject to a 3% fee. Outbound domest=
ic=0Awire transfers are subject to a fee of $20 after your first=0Afee-free=
 transfer per calendar month. See the Active Account =0A( https://link.upgr=
ade.com/f/a/ATUfbLlAxlYHJcPPxHAnIA~~/AAQRxRA~/RImVOHwh09NYfEnk3g3pf9PeGoq2u=
MEUCIAhHVIRqDOlEFwjgTvgbgRwDYFFCKIuSG4Nm4RE-1vEVAKK6dIYPfxdi208QcGeXRh9S47E=
ilHzh6wzoeRemAIdGdRZ1kpXvksU4jisiN8M6dc6It8PTw~~ ) page for more=0Ainformat=
ion. Some limitations apply. Please refer to the=0Aapplicable Cross River B=
ank Checking Deposit Account Agreement=0Aand Upgrade Visa=C2=AE Debit Card =
Agreement and Disclosures for more=0Ainformation.=0A2 Rewards Checking Plus=
 customers who set up monthly direct=0Adeposits ( https://link.upgrade.com/=
f/a/ATUfbLlAxlYHJcPPxHAnIA~~/AAQRxRA~/RImVOHwh09NYfEnk3g3pf9PeGoq2uMEUCIAhH=
VIRqDOlEFwjgTvgbgRwDYFFCKIuSG4Nm4RE-1vEVAKK6dIYPfxdi208QcGeXRh9S47EilHzh6wz=
oeRemAIdGdRZ1kpXvksU4jisiN8M6dc6It8PTw~~ ) of=0A$1,000 or more earn 2% cash=
 back on common everyday expenses at=0Aconvenience stores, drugstores, rest=
aurants and bars - including=0Adeliveries - and gas stations, as well as re=
curring payments on=0Autilities and monthly subscriptions including phone, =
cable, TV=0Aand other streaming services, and 1% cash back on all other deb=
it=0Acard purchases. 2% cash back is limited to $500 in rewards per=0Acalen=
dar year; after $500, customers earn 1% cash back on all=0Aeligible debit c=
ard purchases for the remainder of the year.=0ARewards Checking Plus accoun=
ts with less than $1,000 in monthly=0Adirect deposits 60 days after account=
 opening will earn 1% cash=0Aback on common everyday expenses and 0.50% cas=
h back on all other=0Aeligible debit card purchases. Some limitations apply=
. Please=0Arefer to the applicable Upgrade Visa=C2=AE Debit Card Agreement=
 and=0ADisclosures for more information.=0A3=0APerformance Savings account =
only available to=0Acurrent customers with a Rewards Checking Plus account =
through=0AUpgrade. Outbound account transfers from the=0APerformance Saving=
s account may only be made to=0Ayour Rewards Checking Plus account through =
Upgrade. The Annual=0APercentage Yield (APY) for the Performance Savings=0A=
account is variable and may change at any time.=0A All loans, Personal Cred=
it=0ALines, and checking and savings accounts are provided by=0AUpgrade's b=
ank partners ( https://link.upgrade.com/f/a/hk9JvAJ_Wo9fQxgFDHDHSQ~~/AAQRxR=
A~/hwA2FhNbVW0_L8PXdOR2KAH1I5NlNad6AHnMQoSjoRIMSF-MRbD0Rh_ba5Pv3DpYkp9GoJ6i=
U9e_mDqjScmCkMbKvCmB9DCOgSqIXxfH3NjmTIuTLBH8fz47ad-GXTtz ) . Upgrade Visa=
=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are issued=0Aby Upgrade's b=
ank partners =0A( https://link.upgrade.com/f/a/hk9JvAJ_Wo9fQxgFDHDHSQ~~/AAQ=
RxRA~/hwA2FhNbVW0_L8PXdOR2KAH1I5NlNad6AHnMQoSjoRIMSF-MRbD0Rh_ba5Pv3DpYkp9Go=
J6iU9e_mDqjScmCkMbKvCmB9DCOgSqIXxfH3NjmTIuTLBH8fz47ad-GXTtz ), pursuant to =
a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) holds the=
 following state licenses=0A=0A( https://link.upgrade.com/f/a/EkcOiHWdBM_BI=
Ae4_7l4pA~~/AAQRxRA~/if5EfH5brAl0vNLHnQNAY9YOqeQh6zrWaqacdASe6MHl4rZconCEKg=
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jW7I4p4eLL_ThFC12BWPuDYNcHUhXh7H2ZxAAwiS-UIcVlMCT60EGh_qjimEbCfOp58EHFBL-p8=
UnD7L6PwVkUjL4Q9Dw1uJmQV8AO5D3U~ )=0A and does business under the following=
 DBAs =0A( https://link.upgrade.com/f/a/z3-ziuHHEtTNkUroBwJUrg~~/AAQRxRA~/k=
8LQJP4EgPXILli9ebWo3n3cKeOM-nZkyNWhCzk-A-5oa-PdOAILsATJNsZlGGmem4QfoHkgPzPP=
CF4L5HXN_uuSqfQc_jgTAzZIfNxZL0oikXfxLoIjrqNEw2AvjBNb ).=0A=0AUpgrade is a f=
inancial technology company, not a bank =0A( https://link.upgrade.com/f/a/H=
TIhfEn681JCgjt82zHngQ~~/AAQRxRA~/juASXTbARmezUrZaLT48QFvqS_OM4o8MxTTmETWpyB=
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g =0A( https://link.upgrade.com/f/a/4B0BGlx8hz69VReeEqZ1nA~~/AAQRxRA~/D-j9W=
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tYu2TbZYwdY38X1dN5gTqZqxlFrMMZNnDQW0Cs-FiONgtARgFZUVu ) or=0AUpdate Prefere=
nces ( https://link.upgrade.com/f/a/2jGueRFQs999emew_Ew_yA~~/AAQRxRA~/_YWAS=
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o~ )=0AUpgrade      Upgrade is located at 275 Battery Street, 23rd=0AFloor,=
 San Francisco, CA, 94111=0A=C2=A9 2025 Upgrade, Inc. All rights=0Areserved=
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qual Housing Lender=0A        RC_XS_PL_DECL_O_S1
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ht: 100% !important; width: 100% !important; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; margin: 0 auto; padding: 0;"><span style=3D"f=
ont-size: 0px !important; line-height: 0px !important;">=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=0A=0A=0A=0A=0A=
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initial-scale=3D1.0" />=0D=0A<!--[if !mso]><!-->=0D=0A<meta http-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:OfficeDocumen=
tSettings>=0D=0A  <o:AllowPNG/>=0D=0A  <o:PixelsPerInch>96</o:PixelsPerInch=
>=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" cellpaddi=
ng=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%;">=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; opacity: 0; =
overflow: hidden; display: none; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">Check out =
cash back rewards and more with Rewards Checking Plus accounts.</td>=0D=0A =
   </tr>=0D=0A  </tbody>=0D=0A</table>=0D=0A<!--/PREHEADER ENDS HERE--> =0D=
=0A<!--ALL CONTENT STARTS HERE--> =0D=0A<!--HEADER STARTS HERE-->=0D=0A<tab=
le 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:=
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st: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#f5f5f5">=0D=0A  <tbo=
dy>=0D=0A  =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%;=
">&nbsp;</td>=0D=0A    <td align=3D"center" style=3D"width: 600px; mso-line=
-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust=
: 100%;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"mblHeader" style=3D"width: 100%; min-width: 90% !important;=
 border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A        <=
tbody>=0D=0A          <tr>=0D=0A            <td align=3D"center" valign=3D"=
top" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspac=
e: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-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/WopZZyefUJPp4T-4WeFykA~~/AAQRxRA~/xy1lMs6gbxdMvKf=
gbqPxbbTM821QjMbkrF_XXSN1hkgj-MQT5kH7-FiK9qGV6J3NJMvoCeqK1Ib2JN2hzLI7ca4atA=
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erif; text-align: center; font-size: 20px; color: #4899C4 !important; text-=
decoration: none; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%;"><img alt=3D"upgrade_logo" border=3D"0" h=
eight=3D"33" src=3D"https://braze-images.com/appboy/communication/assets/im=
age_assets/images/63348ce6db77c73d707010e4/original.png=3F1664388326" style=
=3D"outline: 0px; width: 144px; height: auto; font-family: Graphik, Helveti=
ca, Arial, sans-serif; font-size: 24px; color: rgb(0, 175, 106); text-decor=
ation: none; -ms-interpolation-mode: bicubic; padding: 0px; border-width: 0=
px;" 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_rc_xsell_pl_decline=
d_old_send01-->=0A=0A<span style=3D"font-size: 0px; line-height: 1;">=0A=0A=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A<span style=3D"font-size: 0px; line-=
height: 0;">=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A  =0D=0A=0D=0A</span>=0D=0A=
=0A=0A</span>=0A=0A=0A=0A</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      </tabl=
e>=0D=0A      =0D=0A      <!--/HEADER ENDS HERE--> =0D=0A      =0D=0A      =
<!--PRIMARY-->=0D=0A      =0D=0A      <table border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-tab=
le-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A   =
     =0D=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 40px 0;"><table border=3D"0" cellpadding=3D"0" cellspaci=
ng=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-a=
djust: 100%;">=0D=0A              <tbody>=0D=0A              <tr>=0D=0A    =
              <td style=3D"font-family: Helvetica, Arial, serif; font-size:=
 24px; line-height: 32px; color: #0E680E; font-weight: bold; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;" align=3D"left">Introducing Rewards Checking Plus</td>=0D=0A             =
   </tr>=0D=0A                <tr>=0D=0A                  <td style=3D"padd=
ing-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"><span style=
=3D"font-size: 0px; line-height: 1;"></span>Hi,</td>=0D=0A                <=
/tr>=0D=0A                <tr>=0D=0A                  <td style=3D"font-fam=
ily: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; color: #3=
7383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 15px 0px 25px;" align=3D"left">We=E2=80=99r=
e pleased to announce Rewards Checking Plus =E2=80=93 a no-monthly fees<sup=
 style=3D"font-size: 10px; line-height: 1;">1</sup> account with up to 2% c=
ash back on purchases.<sup style=3D"font-size: 10px; line-height: 1;">2</su=
p></td>=0D=0A                </tr>=0D=0A              <!--/BUTTON STARTS HE=
RE-->=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" style=3D"font-family: Graphik, Helvetic=
a, Arial, serif; font-size: 16px; line-height: 24px; color: #ffffff !import=
ant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 0px;"><!--/BUTTON STARTS HERE-->=0D=0A      <=
table align=3D"center" class=3D"cta_table" border=3D"0" cellpadding=3D"0" c=
ellspacing=3D"0" style=3D"width: 275px; border-collapse: separate; -webkit-=
border-radius: 8px; -moz-border-radius: 8px; border-radius: 8px; mso-table-=
lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-tex=
t-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; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; =
-webkit-text-size-adjust: 100%;" valign=3D"middle" align=3D"center"><a alia=
s=3D"Get Started" href=3D"https://link.upgrade.com/f/a/JSyBJdPVMmEaE3N0yCPd=
zw~~/AAQRxRA~/Y5a_80lLo_tWCFwo8HUo2cw7CF4JJqVawU1iyn66l5N007IpHJr2QnzwTFXNN=
Wt133fVmmMJ8Rzz5_CsPSIaxTxzYbLe7N_nwwgBSiLh9NwLomNFjwjUQXjsxV6WJmRF_w0KLTuk=
H-sZV00wHCpdk9C51_NzwdjEkFvKObpwNPTf1ZMI1P5-tcyCJ1hsdwYSTlg_rXXaRwiagM64ns3=
7nPR16tLxWKdjAhIVTs3pFLjiqQ82HYImb0wvexSu70XyUw-wDDvmQjSVCOayusTc7Q~~" styl=
e=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-spacing: 0.5px; mso-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Get Sta=
rted<!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]--></a></td>=0D=0A          </t=
r>=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"font-family: Helvetica, Arial, serif; font-size: 16px; line-h=
eight: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%; padding: 25px 0px 0px;" align=
=3D"left">It=E2=80=99s easy to check out <a alias=3D"sign in" href=3D"https=
://link.upgrade.com/f/a/rFHIUYdTOFSmFkmMfzDxJw~~/AAQRxRA~/D-j9WTe8yi4dzCj2y=
QZ1fYGo_raufNbTR15iF76WDqSvfdHSX9py7lEqDfT6IddxpaAiKJnamvXXRmCgu0smWLvjwRqU=
FZ3gG6sTHX9531QhbTXvqqZRy0oj5_LJCj5zKgu2c8NbfbwViaWbu6oT8hgfu-ZAuJ3IoVoSl2Y=
eg679xlpb_GcYmRfXRt20zKZXzgyMxLwuCKvBKEbIj44ci_vKsLdRT-LbZLLWL5KntL5eOkw3q0=
NrKxTn8p8z2Jb2tksvIOpoM7GIfq0Z1fh0Gg~~" style=3D"color: #4899C4 !important;=
 display: inline-block; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;">Rewards Checking Plus</a> =E2=80=
=93 simply answer a few quick questions to get started. Pair with the Perfo=
rmance Savings account through Upgrade<sup style=3D"font-size: 10px; line-h=
eight: 1;">3</sup> and reach your goals faster! </td>=0D=0A                =
</tr>     =0D=0A                                =0D=0A              <tr>=0D=
=0A                <td style=3D"padding-top: 25px; font-family: Helvetica, =
Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-line-=
height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-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"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"font-family: Graphik, 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%;=
 padding: 0px;" align=3D"left"> <span style=3D"font-size: 0px; line-height:=
 0;">=0D=0A=0D=0A=0D=0A=0D=0A</span>=0D=0A=0D=0A=0D=0A<table align=3D"cente=
r" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; m=
ax-width: 600px; border-collapse: collapse; mso-table-lspace: 0pt; mso-tabl=
e-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: 15px 0px 0px;">=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%;">=0D=0A                <tr>=0D=0A            =
        <td style=3D"font-family: Helvetica, Arial, sans-serif; font-size: =
14px; line-height: 1.5; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; padding: 0px 20px;" align=3D"center=
" valign=3D"top">Download the Upgrade app today and start managing your acc=
ount on the go.=0D=0A                    </td>=0D=0A                </tr>=
=0D=0A            </table>=0D=0A        </td>=0D=0A    </tr>=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: 15px 0=
px 0px;">=0D=0A            <table border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" style=3D"border-collapse: collapse; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
>=0D=0A                <tr>=0D=0A                    <td align=3D"center" s=
tyle=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%; padding: 10px;">=0D=0A                        <a al=
ias=3D"App Store" href=3D"https://link.upgrade.com/f/a/iGF6qMJKC-JDb8ASQKWH=
MA~~/AAQRxRA~/8idYkY8VV0gdzRMORWUwOpOc3uYP2Q5UOwBe5VM0GcNa8VgjjlJp3FCLjXeRE=
ueoVHyimmjoS8I3bln6r3vVCtsemswsvKMuzdSz-PoCB7st6Buc-tgQdyKt5FV-IpLt" target=
=3D"_blank" style=3D"color: #4899C4 !important; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A    =
                        <img src=3D"https://braze-images.com/appboy/communi=
cation/assets/image_assets/images/647a1e9a6f3296004f2a4b73/original.gif=3F1=
685724826" alt=3D"Download in the App Store" title=3D"Download in the App S=
tore" style=3D"width: 145px; height: auto; max-width: 145px !important; out=
line: none; text-decoration: none; -ms-interpolation-mode: bicubic; border-=
width: 0;" />=0D=0A                        </a>=0D=0A                    </=
td>=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;">=0D=0A                        <a alias=3D"Google Play" href=
=3D"https://link.upgrade.com/f/a/QurXXAqGvoNWDG8TlV1diQ~~/AAQRxRA~/8idYkY8V=
V0gdzRMORWUwOpOc3uYP2Q5UOwBe5VM0GcOFAJKZnscXNu5EO1YCaeCNaXhLLiH8e3MbE5QjV40=
UR3FvRB2JzKtyBIPEphgrfSiEiDoQEtj2XnTnqbovzIVs" target=3D"_blank" style=3D"c=
olor: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                          =
  <img src=3D"https://braze-images.com/appboy/communication/assets/image_as=
sets/images/647a1e7252f935004fd6661a/original.gif=3F1685724786" alt=3D"Andr=
oid App in Google Play" title=3D"Android App in Google Play" style=3D"width=
: 145px; height: auto; max-width: 145px !important; outline: none; text-dec=
oration: none; -ms-interpolation-mode: bicubic; border-width: 0;" />=0D=0A =
                       </a>=0D=0A                    </td>=0D=0A           =
     </tr>=0D=0A            </table>=0D=0A            <table border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: c=
ollapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                <tr>=0D=0A  =
                  <td style=3D"font-family: Helvetica, Arial, sans-serif; f=
ont-size: 10px; line-height: 1.5; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px 20px;" align=
=3D"center" valign=3D"top">App Store=C2=AE is a registered trademark of App=
le Inc. Google Play=E2=84=A2 and the Google Play logo are trademarks of Goo=
gle LLC.</td>=0D=0A                </tr>=0D=0A            </table>=0D=0A   =
     </td>=0D=0A    </tr>=0D=0A</table>=0D=0A  </td>=0D=0A                 =
 </tr>=0D=0A                  <tr>=0D=0A                    <td style=3D"pa=
dding-top: 15px; 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"left"><sup s=
tyle=3D"font-size: 8px; line-height: 1;">1</sup> There are no overdraft fee=
s or annual fees associated with Rewards Checking Plus accounts. Optional o=
ut-of-network ATM withdrawals are subject to a fee of $2.50, plus any third=
-party fees. Debit card transactions with merchants outside the U.S. or in =
a foreign currency are subject to a 3% fee. Outbound domestic wire transfer=
s are subject to a fee of $20 after your first fee-free transfer per calend=
ar month. See the <a alias=3D"Active Account Page" href=3D"https://link.upg=
rade.com/f/a/ATUfbLlAxlYHJcPPxHAnIA~~/AAQRxRA~/RImVOHwh09NYfEnk3g3pf9PeGoq2=
uMEUCIAhHVIRqDOlEFwjgTvgbgRwDYFFCKIuSG4Nm4RE-1vEVAKK6dIYPfxdi208QcGeXRh9S47=
EilHzh6wzoeRemAIdGdRZ1kpXvksU4jisiN8M6dc6It8PTw~~" style=3D"color: #4899C4 =
!important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;">Active Account</a> page for more information. =
Some limitations apply. Please refer to the applicable Cross River Bank Che=
cking Deposit Account Agreement and Upgrade Visa=C2=AE Debit Card Agreement=
 and Disclosures for more information.=0A=0A=0A</td>=0D=0A                 =
 </tr>=0D=0A                  <tr>=0D=0A                    <td style=3D"pa=
dding-top: 15px; 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"left"><sup s=
tyle=3D"font-size: 8px; line-height: 1;">2</sup> Rewards Checking Plus cust=
omers who set up <a alias=3D"Active Account Page" href=3D"https://link.upgr=
ade.com/f/a/ATUfbLlAxlYHJcPPxHAnIA~~/AAQRxRA~/RImVOHwh09NYfEnk3g3pf9PeGoq2u=
MEUCIAhHVIRqDOlEFwjgTvgbgRwDYFFCKIuSG4Nm4RE-1vEVAKK6dIYPfxdi208QcGeXRh9S47E=
ilHzh6wzoeRemAIdGdRZ1kpXvksU4jisiN8M6dc6It8PTw~~" style=3D"color: #4899C4 !=
important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;">monthly direct deposits</a> of $1,000 or more e=
arn 2% cash back on common everyday expenses at convenience stores, drugsto=
res, restaurants and bars - including deliveries - and gas stations, as wel=
l as recurring payments on utilities and monthly subscriptions including ph=
one, cable, TV and other streaming services, and 1% cash back on all other =
debit card purchases. 2% cash back is limited to $500 in rewards per calend=
ar year; after $500, customers earn 1% cash back on all eligible debit card=
 purchases for the remainder of the year. Rewards Checking Plus accounts wi=
th less than $1,000 in monthly direct deposits 60 days after account openin=
g will earn 1% cash back on common everyday expenses and 0.50% cash back on=
 all other eligible debit card purchases. Some limitations apply. Please re=
fer to the applicable Upgrade Visa=C2=AE Debit Card Agreement and Disclosur=
es for more information.</td>=0D=0A                  </tr>=0D=0A           =
        <tr>=0D=0A                    <td style=3D"font-family: Graphik, He=
lvetica, Arial, Sans-Serif; font-size: 12px; line-height: 18px; color: #373=
83A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left"><sup style=3D"f=
ont-size: 8px; line-height: 1;">3</sup> Performance Savings account only av=
ailable to current customers with a Rewards Checking Plus account through U=
pgrade. Outbound account transfers from the Performance Savings account may=
 only be made to your Rewards Checking Plus account through Upgrade. The An=
nual Percentage Yield (APY) for the Performance Savings account is variable=
 and may change at any time.</td>=0D=0A                  </tr>=0D=0A       =
            <tr>=0D=0A                    <td style=3D"font-family: Graphik=
, 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%; padding: 15px 0px 0px;" align=3D"left">=0A  All lo=
ans, Personal Credit Lines, and checking and savings accounts are provided =
by Upgrade's <a href=3D"https://link.upgrade.com/f/a/hk9JvAJ_Wo9fQxgFDHDHSQ=
~~/AAQRxRA~/hwA2FhNbVW0_L8PXdOR2KAH1I5NlNad6AHnMQoSjoRIMSF-MRbD0Rh_ba5Pv3Dp=
Ykp9GoJ6iU9e_mDqjScmCkMbKvCmB9DCOgSqIXxfH3NjmTIuTLBH8fz47ad-GXTtz" target=
=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !important; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">bank partners</a>. Upgrade Visa<sup style=3D"font-size: 12px; li=
ne-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</su=
p> Debit Cards are issued by Upgrade's <a href=3D"https://link.upgrade.com/=
f/a/hk9JvAJ_Wo9fQxgFDHDHSQ~~/AAQRxRA~/hwA2FhNbVW0_L8PXdOR2KAH1I5NlNad6AHnMQ=
oSjoRIMSF-MRbD0Rh_ba5Pv3DpYkp9GoJ6iU9e_mDqjScmCkMbKvCmB9DCOgSqIXxfH3NjmTIuT=
LBH8fz47ad-GXTtz" target=3D"_blank" style=3D"vertical-align: top; color: #4=
899C4 !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 t=
he following <a href=3D"https://link.upgrade.com/f/a/EkcOiHWdBM_BIAe4_7l4pA=
~~/AAQRxRA~/if5EfH5brAl0vNLHnQNAY9YOqeQh6zrWaqacdASe6MHl4rZconCEKgJncIb3ioc=
X4ZBwE4CyGLtegIW9yCy69njeJrc3rl8p5cdK-kuQeWw7M8kSM_ViHaUfIgpqsaDOqjW7I4p4eL=
L_ThFC12BWPuDYNcHUhXh7H2ZxAAwiS-UIcVlMCT60EGh_qjimEbCfOp58EHFBL-p8UnD7L6PwV=
kUjL4Q9Dw1uJmQV8AO5D3U~" target=3D"_blank" style=3D"vertical-align: top; co=
lor: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">state licenses</a> and does busin=
ess under the following <a href=3D"https://link.upgrade.com/f/a/z3-ziuHHEtT=
NkUroBwJUrg~~/AAQRxRA~/k8LQJP4EgPXILli9ebWo3n3cKeOM-nZkyNWhCzk-A-5oa-PdOAIL=
sATJNsZlGGmem4QfoHkgPzPPCF4L5HXN_uuSqfQc_jgTAzZIfNxZL0oikXfxLoIjrqNEw2AvjBN=
b" target=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !importan=
t; 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"htt=
ps://link.upgrade.com/f/a/HTIhfEn681JCgjt82zHngQ~~/AAQRxRA~/juASXTbARmezUrZ=
aLT48QFvqS_OM4o8MxTTmETWpyBXGLqDJzAb7UZoHpAwi97XeCR3nS2hPhA0xLl-4CWm4GlPS6l=
CgFi6T9Oj8J-Eki847ro6CqgN00qIEP4wIF58QPo0Z_OtUivnCpuuWq4kmEn2EdU7x52lZqlI19=
467jFBMDFK9AZelrPvDmazHXhjt" target=3D"_blank" style=3D"vertical-align: top=
; color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 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-fam=
ily: Helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px; colo=
r: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-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 0=
px 0px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"w=
idth: 100%; border-top-width: 1px; border-top-color: #cecece; border-top-st=
yle: solid; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=
=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 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-alig=
n: center; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 0px;">=0D=0A              <tbody>=0D=0A                <tr>=0D=0A       =
           <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"ms=
o-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/UwdPBV=
YzWAkeQ40fjbsDkQ~~/AAQRxRA~/Y5a_80lLo_tWCFwo8HUo2VLcGTbwxIC7CF89H4S8yhp5vsw=
n4CbSptQaGL7l6Gk3fldeSW0Pu3valwES3jPnsM9wwzj_yn6uWBf4txbg6z7c2aN646EM6XXnKY=
ia6QGtMQtVsFrtkldm8EILD02v5FLgHEEnBlfQJuMP-fp_gQb4TE-S_5NUYE909suPqK1Q1cyVI=
H3agQk1OZNzuJlJcCihbIlYKl9pKgY9g0zp-LKnqTeBE5PaaZFkT1lBiLJiwbGvd9IjTmaL3d6A=
u818HQ~~" target=3D"_blank" alias=3D"facebook" style=3D"color: #4899C4 !imp=
ortant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/commun=
ication/assets/image_assets/images/65fb645920ede0004c647b15/original.png=3F=
1710974041" border=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" h=
eight=3D"auto" style=3D"text-align: center; width: 24px; height: auto; outl=
ine: none; text-decoration: none; -ms-interpolation-mode: bicubic; padding:=
 0px; border-width: 0;" /></a>=0D=0A                  </td>=0D=0A          =
        <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/qxFymQDrU=
C7vnXqhdq50Yg~~/AAQRxRA~/Y5a_80lLo_tWCFwo8HUo2f5fsVApIxVjbGqaMEP3yJA_JYUC0O=
EnmagSMQWMSNZpX2SOVXzNrYUlREehwI1mUAnT-3ee8NohSPpCz4M-HPB1-LDNpFPtDBSQ9EfP7=
wJgBMz5DT9Z9J_p0ndJbEDTealufSGaSbjHZ2D1NJCQ5pOHLcex5JpiL_W08b6WaRfREO5eUVFs=
UTFq3TgYIdG99O0VhajpIDTJ8O86aRjmsEfClIVCFbiRXQSYGU_eSW66ikABvG4PmQRJP2Cg83O=
22Q~~" target=3D"_blank" alias=3D"instagram" style=3D"color: #4899C4 !impor=
tant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
xt-size-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/communic=
ation/assets/image_assets/images/65fb64594f39dd004c62621d/original.png=3F17=
10974041" border=3D"0" alt=3D"instagram" title=3D"instagram" width=3D"24" h=
eight=3D"auto" style=3D"text-align: center; width: 24px; height: auto; outl=
ine: none; text-decoration: none; -ms-interpolation-mode: bicubic; padding:=
 0px; border-width: 0;" /></a>=0D=0A                  </td>=0D=0A          =
        <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/4B0BGlx8h=
z69VReeEqZ1nA~~/AAQRxRA~/D-j9WTe8yi4dzCj2yQZ1fYGo_raufNbTR15iF76WDqQEu_iFNG=
bgPo0Hhd-ot8OUEuizMMxuNX80APGQPxn7Rd9FBjn0Ixp_HEplmsbAZUXSb75yzFqsosz5pZgj7=
KUC3jc0LiT0iv44MCyRPo3snet4OPHkMeOJNrzyNbZlf9ZTXam9tKip0T9Z6rp2wV0Azm4Vc0VY=
C2iCSu_Ky0IL4GUDUS2IIboRjUxTMtPUbSDdOGDTB_Jy1bbTgL3w9oSsCSNlU2vRXGe7iX59c6W=
CPw~~" target=3D"_blank" alias=3D"blog" style=3D"color: #4899C4 !important;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/communication=
/assets/image_assets/images/65fb6459172062004de47b44/original.png=3F1710974=
041" border=3D"0" alt=3D"blog" title=3D"blog" width=3D"47" height=3D"auto" =
style=3D"text-align: center; width: 47px; height: auto; outline: none; text=
-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; border-wi=
dth: 0;" /></a>=0D=0A                  </td>=0D=0A                </tr>=0D=
=0A              </tbody>=0D=0A            </table></td>=0D=0A        </tr>=
=0D=0A        <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvet=
ica, Arial, sans-serif; font-size: 12px; line-height: 16px; font-weight: 50=
0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%; padding: 15px 0px 0px;" align=3D"center">Please do not r=
eply directly to this message as it was sent from an unattended mailbox. </=
td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-f=
amily: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; line-height:=
 16px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center">This email =
contains advertising content and was sent to <a href=3D"#" class=3D"disable=
d-link" style=3D"font-family: Helvetica, Arial, sans-serif; font-size: 12px=
; color: #4899C4 !important; text-decoration: none; cursor: none !important=
; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%;" alias=3D"user_email">info@sterlingcal.com</a> based on y=
our communication preferences. </td>=0D=0A        </tr>=0D=0A        <tr>=
=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Arial, sans-s=
erif; font-size: 12px; line-height: 18px; color: #424242; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 10px 0 0;" align=3D"center">No longer want to receive these emails=
=3F <a href=3D"https://link.upgrade.com/f/a/fhar0QZ1u3pa5fTr6t8b3w~~/AAQRxR=
A~/_cj-o-wx5HqugYLZr6plBfm_cVvcLGdeLr_9Bb6PC9sHtsb5EzOBPzqDJn6EahgdHfkFwyoV=
5b4YhiC1EfcXSXAovEnR2LhJR81DcRdMncKmP3f5GGeP8iYyAdsEYIIEgcn9JJqWsoA_Gh3cCm1=
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QWhTMwCeivXVT-hAaM8yn0eMWy5d0ekL09WAkdRUXsDEeP1KdQJpelUgSIIlSvSWYiyA_AURZ6w=
jxyIxjAZYHcZ-nNaxoZTWn5kjirJHKySKyLEYKm8Q6RBVjmrfshHzug1p-CRm7CGZPpCx5wlivX=
0vldvsfOvuv2uNHi2GwfadJM6rNNuXD8N-PSpxzUu0EClVT6buJe_7DgY_41mOU6bgsDUL9xM8s=
Nfay50QB_Ig-3MFsqOGhzsxIYrwRkLfU8uRJXuFMBj8npmYRjAz-TWzh0WAjl0C988pmiK9OGOQ=
ymfJtGk3P0AhsfhOtXsqzJlgNGRLVDaXqNw-G-yr7wdodDYFyCypHqzEi9YgTTX4g6cVEcHGnvw=
OXf4sGYbseI5-WRC2RCFBFXwTgFFN0KJXDQ2yENZ9s5tYu2TbZYwdY38X1dN5gTqZqxlFrMMZNn=
DQW0Cs-FiONgtARgFZUVu" alias=3D"Unsubscribe" style=3D"font-family: Helvetic=
a, Arial, sans-serif; font-size: 12px; color: #4899C4 !important; text-deco=
ration: underline; vertical-align: top; display: inline-block; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;">Unsubscribe</a> or <a href=3D"https://link.upgrade.com/f/a/2jGueRFQs99=
9emew_Ew_yA~~/AAQRxRA~/_YWASaZMGYtqxFKabjRbtZuaNeM_3z2_cK_tmnuVIDVw5tiZMlOW=
092OrN_lJHKONPadH7ogqL6W9RX6ULvf_OeJ3UbsWdB--IFGcOA-rIFUO-n6t_LqlzQiEyQHpJG=
BbfRh1FGUt-SctcW3Qbw7HmunEQzoX7nBx1b9sTs-JgsfK0AG6Al-atSidkJ8vgpmdBI16WnKDs=
7zkyOxXrW56FcLIMczvaeN5cRknx5XBBOYd4drXY6bwzxt8VP9fPPP5coJwDGrZ3bVqIOlRXjvV=
aK-SIpRME1L9idcb9Swb819HG5HmkWjiLHz02c7RuFaOnsu2svhLadThRvHIc1Wm5k1Vg02ndGS=
CVaVS-X8W0cn3SmJ8i4q0v4D3_ZJe-ZDZuVrOh6OB7KIr8MHeGmpVLrmT7JbsXLK6bJHTqA7SJL=
2zINv93Ifg91kAS7n3NakHU7B-eNyvMTb0RJyQThHghMBKvF3MD-YnPjGJkxC3iC5eLX8CLUMsZ=
3B9Hpm9F1fggas9IPOfmRm6OHsltDmrdAvs3rall_6D7RcUPqlqkXbluFcCnTeidWq6h2DrCSdC=
q7yPkGhsvmPjY2WcrzHLcPCPPcP_AehwoBM3u-5fXmQ83OOFxxohWtv1ye6q-K90f_icdYBrkKr=
H6z7RNdTBrN7iaOMe44MDJwq9rxtECA_EH6HghIM7Hs8lhIsZfoH0HZGt_iPcDaAYyBWdt9SY1M=
DKRhZduiUi1iTXFefpPVYLdNK4NQXw5uT8T3axnnNUpRIsR1CgtayBOFFGfLtiiSmSpe2i6XP42=
dP3zEOP7ugesJJkV31LzDxqlNXo15q-RU3IVKkTC1kXzChO7MUouawp5vvDf8LeB8r5XBlMmP94=
674YZR7ncQ1TI0QqmfrZWoWM0hu9DZDwLdJWTlUEGngFzzaQ5FGQLq5jZU5I7GdsdjyevaVQ6RU=
lBciljPfq4ulLe4n5NlrFsOl73zFXXkDN_OIyfxb6DKfNFHfSufXS5-gIAPVp7jYIj6ERrwHnFp=
mBZSI06lmZz-JxRc91lE8aVCC1r1bqf09ghR_PczePa4Rp3VfkbcOui7_N8ZaePsMDaGRXK_0E3=
vYDqJNcTbl5iBGUDkEA68w7lQSQ0o~" alias=3D"Preference" style=3D"font-family: =
Helvetica, Arial, sans-serif; font-size: 12px; color: #4899C4 !important; t=
ext-decoration: underline; vertical-align: top; display: inline-block; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;">Update Preferences</a></td>=0D=0A        </tr>=0D=0A        <t=
r>=0D=0A          <td class=3D"body3" style=3D"mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10p=
x 0px 0px;" align=3D"center"><table border=3D"0" cellpadding=3D"0" cellspac=
ing=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%;">=0D=0A            <tbody>=0D=0A              <tr>=0D=0A    =
            <td align=3D"center" style=3D"mso-line-height-rule: exactly; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><i=
mg src=3D"https://braze-images.com/appboy/communication/assets/image_assets=
/images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" alt=3D"Upgrade"=
 title=3D"Upgrade" border=3D"0" width=3D"120" height=3D"auto" style=3D"widt=
h: 120px; height: auto; image-rendering: auto; outline: none; text-decorati=
on: none; -ms-interpolation-mode: bicubic; border-width: 0;" /></td>=0D=0A =
             </tr>=0D=0A            </tbody>=0D=0A          </table></td>=
=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-fami=
ly: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; line-height: 16=
px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center=
">Upgrade is located at 275 Battery Street, 23rd Floor, San Francisco, CA, =
94111</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; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center"><spa=
n class=3D"goomoji">=C2=A9</span> 2025 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: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"ce=
nter"><a alias=3D"cta3_txt_privacy" href=3D"https://link.upgrade.com/f/a/jr=
JV_T1DFuzV2N2yRWKBTA~~/AAQRxRA~/uovtQwiCLqD47mShul7gYJ6c7QvEvDqR7LNu1_hrRSm=
rO8I3Y8y-P21wFhL1gMeFTfb-rTxJcoNt0JHKZqminNN6RGvO0yfI9Os8U__JCZpQiZalzZktti=
vFYsJ1FHVW" style=3D"font-family: Helvetica, Arial, sans-serif; font-size: =
12px; color: #4899C4 !important; text-decoration: underline; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;">Privacy Policy</a> </td>=0D=0A        </tr>=0D=0A<span style=3D"font-siz=
e: 0px; line-height: 1;">=0D=0A=0D=0A=0D=0A</span>=0D=0A        <tr>=0D=0A =
         <td align=3D"center" style=3D"image-rendering: auto; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%; padding: 10px 0px 0px;"><img src=3D"https://braze-images.com/appboy/comm=
unication/assets/image_assets/images/62c712c2931f9e0069af31f2/original.png=
=3F1657213634" alt=3D"Equal Housing Lender" title=3D"Equal Housing Lender" =
border=3D"0" style=3D"height: auto; outline: none; text-decoration: none; -=
ms-interpolation-mode: bicubic; 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: Helvetica, Arial, sans-serif; font-size: 12px; line-h=
eight: 18px; color: #ffffff; padding-top: 10px; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"l=
eft">RC_XS_PL_DECL_O_S1</td>=0D=0A                  </tr>=0D=0A            =
    </tbody>=0D=0A              </table></td>=0D=0A          </tr>=0D=0A   =
     </tbody>=0D=0A      </table>=0D=0A      =0D=0A      <!--/FOOTER ENDS H=
ERE--></td>=0D=0A    <!--/ALL CONTENT ENDS HERE-->=0D=0A    <td style=3D"fo=
nt-size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;">&nbsp;</td>=0D=0A  </tr>=0D=0A  </tbody>=0D=0A=
  =0D=0A</table>=0D=0A<custom name=3D"opencounter" type=3D"tracking"></cust=
om>=0D=0A=0D=0A=0D=0A<img border=3D"0" width=3D"1" height=3D"1" alt=3D"" sr=
c=3D"https://link.upgrade.com/q/EM4otJ8etgcAeEcPLLY9JQ~~/AAQRxRA~/e2-WBy7f-=
1er5oLfh6hmW4KbYmky2qXPofx7srYLuAj8RQKXTYfm-uM-1iP9E2Wdh9Zo0Ar3cp4V3MR4RvBO=
gg~~">=0D=0A</body>=0A</html>
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