Envelope-to: info@sterlingcal.com
Delivery-date: Tue, 11 Feb 2025 09:48:06 -0600
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <08.53.41350.A217BA76@i-03a84131bf09d3c36.mta1vrest.sd.prd.sparkpost>
Subject: Andrew, your February invitation to check your rate is here
To: info@sterlingcal.com
Date: Tue, 11 Feb 2025 15:47:54 +0000
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Reply-To: noreply.email@upgrade.com

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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0AAre you ready to say g=
oodbye to your high-interest credit cards=0Aand debt=3F=0A=0Aupgrade_logo (=
 https://link.upgrade.com/f/a/y-KaLHe48ojQCfV2hNobmw~~/AAQRxRA~/Sp3zKhtk6b9=
6fpy_aNl7eKzbJbK_8JS5GcA18PS-eUrFMkurMYtH4S83nXw96lUbMHBreCV7AS9HvaLNu_ejVn=
zZ70YC-GXfDfswEvCIn7g~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A               =
      Free=0AYourself from High-Interest Credit Cards=0AHi,=0AAre you ready=
 to say goodbye to your high-interest credit cards=0Aand debt=3F With a per=
sonal loan through Upgrade, you can circle=0Athe date that you could be deb=
t free. It=E2=80=99s time to check your=0Arate and plan for your financial =
freedom.   Upgrade has helped=0Athousands of people get on their way to fin=
ancial freedom =E2=80=93 and=0Ayou could be next!     =E2=80=93 Low, fixed =
interest rates that never=0Achange       =E2=80=93 Affordable monthly payme=
nts       =E2=80=93 No prepayment=0Apenalty if you decide to pay off your l=
oan early=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f/a/P4=
ou27JQIPOouh7XntAyUA~~/AAQRxRA~/M7ZX7sEZImrtxrm-9clt4GyeQfz7-500SWgHRLjTF6t=
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6S5cK5hkCo3DvCrINrRAaFpLkI9Z8xjos71RK9cgyFCXjDCz0boJh4N-ByMsJQT=0A)     =0A=
   Thanks,=0AThe Upgrade Team   P.S. Check your rate now (=0Ahttps://link.u=
pgrade.com/f/a/Qcf4eHe5j4QGUPexxluf2w~~/AAQRxRA~/xv2Is5azoQyemxW9jcUqTkN16n=
xT5rxUStke5y__7XtmeUP5hQmQJyfe5uUWGCT0Au5IcCBP2LqeJEx-Yh_jPVkmRMgN0S9C6Cpv1=
qqm4WGwK9u-MK_2YXvKixQyLHMn6lYZcsw-TWoCVXNgZ1V3fw~~=3Futm_source=3Ddecl_old=
&utm_medium=3Demail&utm_campaign=3Dsend02_a&utm_content=3Demail_txt=0A) and=
 get on your path to financial freedom!              If you=0Ahave question=
s, we're here to help.     support@upgrade.com=0APersonal loans made throug=
h Upgrade feature Annual Percentage=0ARates (APRs) of 9.99%-35.99%. All per=
sonal loans have a 1.85% to=0A9.99% origination fee, which is deducted from=
 the loan proceeds.=0ALowest rates require Autopay and paying off a portion=
 of existing=0Adebt directly. Loans feature repayment terms of 24 to 84 mon=
ths.=0AFor example, if you receive a $10,000 loan with a 36-month term=0Aan=
d a 17.59% APR (which includes a 13.94% yearly interest rate=0Aand a 5% one=
-time origination fee), you would receive $9,500 in=0Ayour account and woul=
d have a required monthly payment of=0A$341.48. Over the life of the loan, =
your payments would total=0A$12,293.46. The APR on your loan may be higher =
or lower and your=0Aloan offers may not have multiple term lengths availabl=
e. Actual=0Arate depends on credit score, credit usage history, loan term,=
=0Aand other factors. Late payments or subsequent charges and fees=0Amay in=
crease the cost of your fixed rate loan. There is no fee or=0Apenalty for r=
epaying a loan early.=0A All loans, Personal Credit=0ALines, and checking a=
nd savings accounts are provided by=0AUpgrade's bank partners ( https://lin=
k.upgrade.com/f/a/CYZM2DgjUz3233QlSxaXKQ~~/AAQRxRA~/_pKRApLcCqXcLKjQTXfOyz5=
2y_H8cWHI5qvgYQ2fm0L_0aOSZ3UiXrB9ecGrOibf0U4jiTWoDVya4nvqWzS3_nQ6y8IOsvMfjH=
SsEbWIVVM8cYs73AHks_bTp1gsRJBD ) . Upgrade Visa=C2=AE Cards and Upgrade Vis=
a=C2=AE Debit Cards are issued=0Aby Upgrade's bank partners =0A( https://li=
nk.upgrade.com/f/a/CYZM2DgjUz3233QlSxaXKQ~~/AAQRxRA~/_pKRApLcCqXcLKjQTXfOyz=
52y_H8cWHI5qvgYQ2fm0L_0aOSZ3UiXrB9ecGrOibf0U4jiTWoDVya4nvqWzS3_nQ6y8IOsvMfj=
HSsEbWIVVM8cYs73AHks_bTp1gsRJBD ), pursuant to a license=0Afrom Visa USA In=
c.=0A=0AUpgrade, Inc. (NMLS #1548935) holds the following state licenses=0A=
=0A( https://link.upgrade.com/f/a/j3rf6M6OzddL95O2r5CKpg~~/AAQRxRA~/n2p1tES=
3sVp44IpLV3Akn-OLuGKMGytDhLKR3fidK6p6MvgMTWoVR0kicCoa4xpQS7OeJCpyOIKYQDbQYN=
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n7I~ )=0A and does business under the following DBAs =0A( https://link.upgr=
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y8hqfe3EtVLZ1lCLhCvY_ )=0A=0Ainstagram =0A( https://link.upgrade.com/f/a/Up=
HH0Haa4R9F3pAlmSTCMA~~/AAQRxRA~/Nh-NQTaMqodST9OWGoWTGUvZwe0JN11koVBmLMGkTOS=
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IlC_HMwTWn9RZPS2OVqJNEywBgdEGR1t4GVN66MPG2_NCKD6e3Ped3oEyhJCxgv )=0A=0Ablog=
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n4blcPiOnxXAvoc29dFfYt59Sz4-kTxOCtayVl-hZybchbDja3PSjuB-JlNBwPcmrwf_sTd_vs_=
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rKPerXgJOBlk9G2VqSo1O1ivlps_ ) or=0AUpdate Preferences ( https://link.upgra=
de.com/f/a/t23DLvV5KFlCmC2mEC9QFw~~/AAQRxRA~/AvFAKyPszPingtCV62ZH5IOuJifPQL=
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XQ2NHoUQ4MX9iUV4onvNd3qj1lBEyAhMC5P8Jxewie4N6UziWDw~ )=0AUpgrade      Upgra=
de is located at 275 Battery Street, 23rd=0AFloor, San Francisco, CA, 94111=
=0A=C2=A9 2025 Upgrade, Inc. All rights=0Areserved.=0APrivacy Policy ( http=
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    PL_ITA_DECL_OLD_S2
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ble-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"left=
" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" class=3D"mblHeader" 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%; min-width: 90% !importa=
nt;">=0A  <tbody>=0A    <tr>=0A      <td align=3D"center" valign=3D"top" st=
yle=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;">=0A          <tbody>=0A            <tr>=0A              <td st=
yle=3D"font-size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 0px;" valign=3D"top"><table b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; borde=
r-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A                  =
<tbody>=0A                    <tr>=0A                      <td align=3D"cen=
ter" valign=3D"middle" style=3D"mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" =
href=3D"https://link.upgrade.com/f/a/y-KaLHe48ojQCfV2hNobmw~~/AAQRxRA~/Sp3z=
Khtk6b96fpy_aNl7eKzbJbK_8JS5GcA18PS-eUrFMkurMYtH4S83nXw96lUbMHBreCV7AS9HvaL=
Nu_ejVnzZ70YC-GXfDfswEvCIn7g~" style=3D"font-family: Graphik, Helvetica, Ar=
ial, sans-serif; text-align: center; font-size: 20px; color: #4899C4 !impor=
tant; text-decoration: none; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;"><img alt=3D"upgrade_logo" bor=
der=3D"0" height=3D"33" src=3D"https://braze-images.com/appboy/communicatio=
n/assets/image_assets/images/63348ce6db77c73d707010e4/original.png=3F166438=
8326" style=3D"outline: 0px; width: 144px; height: auto; font-family: Graph=
ik, Helvetica, Arial, sans-serif; font-size: 24px; color: rgb(0, 175, 106);=
 text-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; bord=
er-width: 0px;" title=3D"logo" width=3D"144" class=3D"center" /></a></td>=
=0A                    </tr>=0A                  </tbody>=0A               =
 </table></td>=0A            </tr>=0A          </tbody>=0A        </table><=
/td>=0A    </tr>=0A  </tbody>=0A</table>=0A<!-- X-250ok-CID: upgrade_pl_ita=
_declined_old_send02_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<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</s=
pan>=0D=0A=0A=0A</span>=0A=0A=0A=0A</td>=0D=0A                          </t=
r>=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 ENDS HERE--> =0D=0A      =0D=
=0A      <!--PRIMARY-->=0D=0A      =0D=0A      <table border=3D"0" cellpadd=
ing=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"#ffffff">=0D=0A        <tbody>=
=0D=0A        =0D=0A        <tr>=0D=0A          <td align=3D"center" style=
=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 40px 0;"><table border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-tabl=
e-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 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-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;" align=3D"left">Free Yourself from High-Interest Credit Cards</=
td>=0D=0A                </tr>=0D=0A                <tr>=0D=0A             =
     <td style=3D"padding-top: 15px; font-family: Helvetica, Arial, serif; =
font-size: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: e=
xactly; -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-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%; padding: 15px 0px 0px;" align=
=3D"left">Are you ready to say goodbye to your high-interest credit cards a=
nd debt=3F With a personal loan through Upgrade, you can circle the date th=
at you could be debt free. It=E2=80=99s time to check your rate and plan fo=
r your financial freedom.</td>=0D=0A                </tr>=0D=0A            =
    <tr>=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%;=
 padding: 15px 0px 0px;" align=3D"left">Upgrade has helped thousands of peo=
ple get on their way to financial freedom =E2=80=93 and you could be next!<=
/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: co=
llapse; 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; lin=
e-height: 22px; color: #0E680E; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 5px 0px 20px;=
"><strong>=E2=80=93</strong></td>=0D=0A                            <td vali=
gn=3D"top" width=3D"515" style=3D"padding-top: 15px; font-family: Helvetica=
, Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;" align=3D"left">Low, fixed interest rates that never change</td>=
=0D=0A                          </tr>=0D=0A                        </table>=
</td>=0D=0A                    </tr>=0D=0A                     <tr>=0D=0A  =
                    <td style=3D"mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;"><table style=3D"border-co=
llapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                   =
       <tr>=0D=0A                            <td valign=3D"top" align=3D"le=
ft" 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 5px =
0px 20px;"><strong>=E2=80=93</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-s=
ize-adjust: 100%;" align=3D"left">Affordable monthly payments</td>=0D=0A   =
                       </tr>=0D=0A                        </table></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: c=
ollapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                          <t=
r>=0D=0A                            <td valign=3D"top" align=3D"left" width=
=3D"25" style=3D"font-family: Helvetica, Arial, serif; font-size: 16px; lin=
e-height: 22px; color: #0E680E; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 5px 0px 20px;=
"><strong>=E2=80=93</strong></td>=0D=0A                            <td vali=
gn=3D"top" width=3D"515" style=3D"font-family: Helvetica, Arial, serif; fon=
t-size: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 1=
5px 0px 20px;" align=3D"left">No prepayment penalty if you decide to pay of=
f your loan early</td>=0D=0A                          </tr>=0D=0A          =
              </table></td>=0D=0A                    </tr>=0D=0A           =
         =0D=0A                                =0D=0A              <!--/BUT=
TON STARTS HERE-->=0D=0A              <span style=3D"font-size: 0px; line-h=
eight: 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: Graphi=
k, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #fff=
fff !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_table" border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" style=3D"width: 275px; border-collapse: separ=
ate; -webkit-border-radius: 8px; -moz-border-radius: 8px; border-radius: 8p=
x; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; border: 2px solid #0E680E;" bgcolor=3D"#0=
E680E">=0D=0A          <tr>=0D=0A              <td height=3D"45" style=3D"h=
eight: 40px; color: #ffffff; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;" valign=3D"middle" align=3D"ce=
nter"><a alias=3D"Check Your Rate" href=3D"https://link.upgrade.com/f/a/P4o=
u27JQIPOouh7XntAyUA~~/AAQRxRA~/M7ZX7sEZImrtxrm-9clt4GyeQfz7-500SWgHRLjTF6tg=
c8PbYnx25Bt3eYj8hFENoW19fCq42VCY_Wv0jl5NsG5mE8l40QBK3Toe7n1HORy_EjQAzOZKE_h=
a4ajUxZtFwXvZc5y7rfvBzFpVaPFPDKGF3Y2Gxdoqz7GaWEFOvWry4AwcejtrwxTSjzNTt2FWt6=
S5cK5hkCo3DvCrINrRAaFpLkI9Z8xjos71RK9cgyFCXjDCz0boJh4N-ByMsJQT" style=3D"di=
splay: inline-block; font-size: 16px; line-height: 24px; font-family: Graph=
ik, Helvetica, Arial, sans-serif; font-weight: 500; color: #ffffff !importa=
nt; text-decoration: none !important; letter-spacing: 0.5px; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Check Your Rat=
e<!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]--></a></td>=0D=0A          </tr>=
=0D=0A      </table>=0D=0A  </td>=0D=0A</tr>=0D=0A=0D=0A=0D=0A=0D=0A =0D=0A=
              <!--/BUTTON ENDS HERE-->=0D=0A=0D=0A              <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              <tr>=0D=0A                  <=
td style=3D"padding-top: 25px; 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">P.S. <a href=3D"https://link.upgrade.com/f/a/Y-2Q-tX0Oa1awQOzgInK9w~~/AA=
QRxRA~/M7ZX7sEZImrtxrm-9clt4GyeQfz7-500SWgHRLjTF6tgc8PbYnx25Bt3eYj8hFENoW19=
fCq42VCY_Wv0jl5NsG5mE8l40QBK3Toe7n1HORy_EjQAzOZKE_ha4ajUxZtFwXvZc5y7rfvBzFp=
VaPFPDKGF3Y2Gxdoqz7GaWEFOvWqXoYCDoD0i_D_zU5VXXTeyXU7O8Tz63-ShxQ8bo1r56sMCgY=
4AArqKjqJV8nmHfYTFqDHGMIsLVS1OI_dBuolB" style=3D"color: #4899C4 !important;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;">Check your rate now</a> and get on your path to financial=
 freedom!</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      <!--/P=
RIMARY--> =0D=0A      =0D=0A      <!-- CONTACT MODULE STARTS HERE-->=0D=0A =
     =0D=0A      <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=
%;" 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: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
 align=3D"center"><table align=3D"center" border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" style=3D"width: 100%; border-bottom-width: 1px; border-bott=
om-color: #cccccc; border-bottom-style: solid; max-width: 600px; border-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-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: Helvetica, Arial, serif; font-size: 16px; line-height: 20px; color:=
 #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%;" align=3D"center">If you have questions, we're he=
re to help.=0D=0A    </td>=0D=0A  </tr>=0D=0A  <tr>=0D=0A    <td class=3D"m=
bl_text_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"font-family: Helvetica, Arial, serif; color: #4899C4 !important; text-d=
ecoration: underline; vertical-align: middle; display: inline-block; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 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     =
 <!--FOOTER STARTS HERE-->=0D=0A      =0D=0A      <table border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: colla=
pse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbo=
dy>=0D=0A          <tr>=0D=0A            <td align=3D"center" style=3D"mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; padding: 20px 0;"><table border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-lspace=
: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;">=0D=0A                <tbody>=0D=0A                  <tr>=
=0D=0A                    <td style=3D"padding-top: 15px; font-family: Helv=
etica, Arial, sans-serif; font-size: 12px; line-height: 18px; color: #37383=
A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;" align=3D"left">Personal loans made through Upgrade feat=
ure 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 rates require Autopay and paying off a portion of existing debt d=
irectly. Loans 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 inc=
ludes a 13.94% yearly interest rate and a 5% one-time origination fee), you=
 would receive $9,500 in your account and would have a required monthly pay=
ment of $341.48. Over the life of the loan, your payments would total $12,2=
93.46. The APR on your loan may be higher or lower and your loan offers may=
 not have multiple term lengths available. Actual rate depends on credit sc=
ore, credit usage history, loan term, and other factors. Late payments or s=
ubsequent charges and fees may increase the cost of your fixed rate loan. T=
here is no fee or penalty for repaying a loan early. =0A  All loans, Person=
al Credit Lines, and checking and savings accounts are provided by Upgrade'=
s <a href=3D"https://link.upgrade.com/f/a/CYZM2DgjUz3233QlSxaXKQ~~/AAQRxRA~=
/_pKRApLcCqXcLKjQTXfOyz52y_H8cWHI5qvgYQ2fm0L_0aOSZ3UiXrB9ecGrOibf0U4jiTWoDV=
ya4nvqWzS3_nQ6y8IOsvMfjHSsEbWIVVM8cYs73AHks_bTp1gsRJBD" target=3D"_blank" s=
tyle=3D"vertical-align: top; color: #4899C4 !important; mso-line-height-rul=
e: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">ba=
nk partners</a>. Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1;=
 vertical-align: top;">=C2=AE</sup> Cards and Upgrade Visa<sup style=3D"fon=
t-size: 12px; line-height: 1; vertical-align: top;">=C2=AE</sup> Debit Card=
s are issued by Upgrade's <a href=3D"https://link.upgrade.com/f/a/CYZM2DgjU=
z3233QlSxaXKQ~~/AAQRxRA~/_pKRApLcCqXcLKjQTXfOyz52y_H8cWHI5qvgYQ2fm0L_0aOSZ3=
UiXrB9ecGrOibf0U4jiTWoDVya4nvqWzS3_nQ6y8IOsvMfjHSsEbWIVVM8cYs73AHks_bTp1gsR=
JBD" target=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !import=
ant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%;">bank partners</a>, pursuant to a license from Visa US=
A Inc. <br />=0A<br />=0AUpgrade, Inc. (NMLS #1548935) holds the following =
<a href=3D"https://link.upgrade.com/f/a/j3rf6M6OzddL95O2r5CKpg~~/AAQRxRA~/n=
2p1tES3sVp44IpLV3Akn-OLuGKMGytDhLKR3fidK6p6MvgMTWoVR0kicCoa4xpQS7OeJCpyOIKY=
QDbQYNAwki1uyokfKYPdmhH_OTnSawSEb1AnJ6njBOCrsSIFeOQI4w338gj1ZG7tNq_2ZC3AXYA=
UYwbG_nwIv_as6g-aXkXxxjdkQPWNCCgp8XDVpFjeCUeb2nKnQ3ZSCaRiBzgejZDDpNqou3o54L=
C7aM-6n7I~" target=3D"_blank" style=3D"vertical-align: top; color: #4899C4 =
!important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;">state licenses</a> and does business under the=
 following <a href=3D"https://link.upgrade.com/f/a/VGBV-8LU0RnaMgeYauYpqg~~=
/AAQRxRA~/EfBZr0j9CP9-zXtc6T_GN4GWsRArU9tZbrqDYs-cShqBn8gfmSynoomy_ivYb7l_D=
45Lv-JMHYDOiQsQJLGMGoSNJ_s01ogRRXa3xIpR3TQkAfuuBm-RsKT90yGGLN2U" target=3D"=
_blank" style=3D"vertical-align: top; color: #4899C4 !important; mso-line-h=
eight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
100%;">DBAs</a>. <br />=0A<br />=0AUpgrade is a <a href=3D"https://link.upg=
rade.com/f/a/zk5H2i1A1pAtO-NSkMl_Qw~~/AAQRxRA~/EGdyhK280SCxx0alLWNZRNjOSA78=
ULJJSnj39axbX6JXLmDSPBYGM09uZ6dZJsRQjaHaV4hvXU1h6UTqTZwVZbvY4nc23wf6ozVi5ZY=
xo2kVbPPwtj4120Psnsaxgb75OVtQ1RhbLii-GsHsuqqF3lYzmibuJvRLVm4r1oHOcJu4Jl_VnI=
ZPmOVgPJKVJAx9" target=3D"_blank" style=3D"vertical-align: top; color: #489=
9C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; =
-webkit-text-size-adjust: 100%;">financial technology company, not a bank</=
a>.=0A=0A</td>=0D=0A                  </tr>=0D=0A                  =0D=0A  =
                <tr>=0D=0A                    <td style=3D"padding-top: 15p=
x; font-family: Helvetica, Arial, sans-serif; font-size: 12px; line-height:=
 18px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;" align=3D"left"><table align=3D"cent=
er" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; =
max-width: 600px; border-collapse: collapse; mso-table-lspace: 0pt; mso-tab=
le-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%; paddi=
ng: 10px 0px 0px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"width: 100%; border-top-width: 1px; border-top-color: #cecece; bor=
der-top-style: solid; border-collapse: collapse; mso-table-lspace: 0pt; mso=
-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;">=0D=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 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"te=
xt-align: center; border-collapse: collapse; mso-table-lspace: 0pt; mso-tab=
le-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" styl=
e=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a=
/o3tQN3VwufxKt4N4ZY7crg~~/AAQRxRA~/Nh-NQTaMqodST9OWGoWTGdyDFQEipbsXVQt6dNX1=
g6nnfrQWQieNlKz7ELkbtF_Zv3OsguXuR-2Q17Ic58kwO7TQDFx_FiKsCquAwLGcdFpfAlhwr9w=
LMeMuq67WZlTFpNcPtlVaPcqZpvzZIhVSp-tOsHigJ2hnSp4QTTxi68TM6fbS9PTeZy0eRJf1Zt=
54JLbgtUPM0pZ8caEVs0q51gE10c0EHywden5KG6fz2SIy8hqfe3EtVLZ1lCLhCvY_" target=
=3D"_blank" alias=3D"facebook" style=3D"color: #4899C4 !important; mso-line=
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: 100%;"><img src=3D"https://braze-images.com/appboy/communication/assets/i=
mage_assets/images/65fb645920ede0004c647b15/original.png=3F1710974041" bord=
er=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" height=3D"auto" s=
tyle=3D"text-align: center; width: 24px; height: auto; outline: none; text-=
decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; border-wid=
th: 0;" /></a>=0D=0A                  </td>=0D=0A                  <td alig=
n=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%; paddi=
ng: 0px;"><a href=3D"https://link.upgrade.com/f/a/UpHH0Haa4R9F3pAlmSTCMA~~/=
AAQRxRA~/Nh-NQTaMqodST9OWGoWTGUvZwe0JN11koVBmLMGkTOSXNeSy7q32uP_z86INQxAeHT=
fnjc719vFMyXqnGLOV_YZ1mbAZnCeg4aS0h2EfeBUp6CUzhkWgn2x-c17uoIjpzzkkOUR03dSq7=
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wBgdEGR1t4GVN66MPG2_NCKD6e3Ped3oEyhJCxgv" target=3D"_blank" alias=3D"instag=
ram" style=3D"color: #4899C4 !important; mso-line-height-rule: exactly; -ms=
-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https=
://braze-images.com/appboy/communication/assets/image_assets/images/65fb645=
94f39dd004c62621d/original.png=3F1710974041" border=3D"0" alt=3D"instagram"=
 title=3D"instagram" width=3D"24" height=3D"auto" style=3D"text-align: cent=
er; width: 24px; height: auto; outline: none; text-decoration: none; -ms-in=
terpolation-mode: bicubic; padding: 0px; border-width: 0;" /></a>=0D=0A    =
              </td>=0D=0A                  <td align=3D"center" valign=3D"m=
iddle" 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"htt=
ps://link.upgrade.com/f/a/501Ylb073IOk0zkVfjDcRQ~~/AAQRxRA~/Zr1O5An4blcPiOn=
xXAvoc29dFfYt59Sz4-kTxOCtayVl-hZybchbDja3PSjuB-JlNBwPcmrwf_sTd_vs_gDAfagDga=
HLoNB9CiNYdjCjJ_EMi8WyrVxzhPLNgwgz0OlgQAJYAk2WZNIo0wtlHtVseemWAt5cRkGERRbQw=
r-B2EhJS1k0N1nfzRDFycvf0UHirbi4InooS9Lrzox5AqmEPOC1mhotWcL_6EcLQ06K4LiYgR81=
76DAuv--k14k9qq2" target=3D"_blank" alias=3D"blog" style=3D"color: #4899C4 =
!important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/co=
mmunication/assets/image_assets/images/65fb6459172062004de47b44/original.pn=
g=3F1710974041" border=3D"0" alt=3D"blog" title=3D"blog" width=3D"47" heigh=
t=3D"auto" style=3D"text-align: center; width: 47px; height: auto; outline:=
 none; text-decoration: none; -ms-interpolation-mode: 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 style=3D"font-family: Graph=
ik, Helvetica, Arial, sans-serif; font-size: 12px; line-height: 16px; font-=
weight: 500; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"center">Pleas=
e do not reply directly to this message as it was sent from an unattended m=
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=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; li=
ne-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%;=
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 based on your communication preferences. </td>=0D=0A        </tr>=0D=0A   =
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l, sans-serif; font-size: 12px; line-height: 18px; color: #424242; mso-line=
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: 100%; padding: 10px 0 0;" align=3D"center">No longer want to receive thes=
e emails=3F <a href=3D"https://link.upgrade.com/f/a/mkoCTP87h4xaOoamkEunSg~=
~/AAQRxRA~/fV_VqRs3FrfAcx-jOARJ1MX6EE575bL5sTBW1L7aBwqHOYx9u31d8zPuqK_xE3hY=
vwU8Ow-41uTkmCxgresYedKzctIz6KCnFxkfuB1hnKmXVL1s-thaY1FTwvHlOCArcWiDyNHcTSf=
YbeVRY3kZ6rLswxNEJf2-LkuKWzaqDmfF3IfL2g3BlZCAISUDSJgsj4XqqITdNMj2-gZY6w1EBP=
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Sw4E4t2DfsLMmSlAmw-vHFVFUaS-V_XYdAxUwcXkvrzsAIAaxB2FxDuPUq_tjz4uGXDXaPBPlHu=
fj9qHtj_8MgM51WHaJkRJR2O025xPBpaTq-es_yhkuZFyAe8xr93B9QrF9W2a0fFSZl5b27uB0S=
TvtL-uPmVBmz587ZGBDad-IGFdoQeI4UyoxDrW41AJYc5_J0xjM0JNQ4ePaVJ2ufhaW6WlzAnez=
ycPoN4qnEAlBUw1PAQUPjWzqFt6z3EzsA2ZbPLaUSPdR87nSzyQxS_N824Mt-E0NdVS-3d_99Qd=
ufDksSKK37i3raIvieukn-u0Ok-7NSKsG1JSiECULR1hZa9JwMfCCNnp9lTzTpYDA0qWf0pCF-Q=
Q5MNk3TnsPScZxCAFpQRbMzGo_uX9SkIbVVrPPl3OmI7qaPvKBaCZVstjYa9qgFyjV-mMK9mMmf=
PrKPerXgJOBlk9G2VqSo1O1ivlps_" alias=3D"Unsubscribe" 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%;">Unsubscribe</a> or <a href=3D"https://link.upgrade.com/f/a/t23=
DLvV5KFlCmC2mEC9QFw~~/AAQRxRA~/AvFAKyPszPingtCV62ZH5IOuJifPQLwMP5xTSoE1n9i0=
_MmhTdZJtm527iAgocV7L-tBfyZ-5f8ZHckE6CjzBufnUfikiZtt6scuNdo2gMzhScN4D8Y9YAb=
PdFe_NyZLRZrD4lwASSvzL0joN6EcxKWJCJPV23S9jTEUchKwpihPHQR9Bk6BhILCAF5esSn_Q2=
S_6yxLMMQOd9OKti6X_ebkQJ7ntsTYD5lIWyxxVKU5jhI9fcYMA7CnvVSd1dNy-FCbFQS2plt_E=
2HNOYmEy18n1DomWBJtcoXUhxH_-odI3QafdUuQijZ_guS0YBPwnDqFhOY9mN9-fX-AiQ9hcxTp=
JBTl6RIheAgaSjLopymDkxir4N77ZdqQ7wnOrJOkWb0e8XDkf6ZaUYpd4Up6izXCepjDORG8E1V=
__SaDbdX3DWu0S01E0C-wg1Yskwkbbk9pupl0HFfdkMqWi-wrwU6UUUK0iZ0bCVjAGdTvC3Ls89=
QWKj1M7ec6fJeEmjFiEJWY6W42SWY7oUajyKULKMoL2pZErAD6si1QHCizdv40ItjCeYNrm9UWm=
6J6uE78owLgFV9ojRQhijqEsMpGd95LYOui1efLcBifj4z84P7firnDyHVwDGCzn8DaTNMn1XBe=
CcAkaIEhejtBA99g8qFu7Mw-UST24L8U05b6Syo33B5XNq9KpNv-QIEP1jzMUdsWFSS47G-uf90=
5-Iw_bZTEheVHg6lg39VEwnY-LqoV7IgRrOWUl7Y6pdM1mia1QyTGcF1vFrkieDrK12p_PQPZST=
WfebDhAgbJOFtBWmhVxbyZpTOcF50cgisOLc_dm6WESHAYmrMmVvHVip6fI9mqNzn2Sg_Jiuare=
tttvSaA6_hQxJegrd6Hm03lwZ5jMUIIAlVBGgTsOCoTKaz01Rk-pE5usEpIvL7FXzn7bAXLqlUW=
adwnQOeb0fAHEpGQruuzWnaGG1R0e0IE4xsprjrAFzjAxdIv7HlxKVK-Jr1QyeiI5G5SfHH1rRy=
iQdboudLIgSdPpv355ies8dOMc_YusGepGeu1Srjvfq59KVOaVfKW7btNlsxGXQ2NHoUQ4MX9iU=
V4onvNd3qj1lBEyAhMC5P8Jxewie4N6UziWDw~" alias=3D"Preference" style=3D"font-=
family: Helvetica, Arial, sans-serif; font-size: 12px; color: #4899C4 !impo=
rtant; text-decoration: underline; vertical-align: top; display: inline-blo=
ck; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;">Update 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%; padd=
ing: 10px 0px 0px;" align=3D"center"><table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-tabl=
e-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;">=0D=0A            <tbody>=0D=0A              <tr>=
=0D=0A                <td align=3D"center" style=3D"mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding=
: 0px;"><img src=3D"https://braze-images.com/appboy/communication/assets/im=
age_assets/images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" alt=
=3D"Upgrade" title=3D"Upgrade" border=3D"0" width=3D"120" height=3D"auto" s=
tyle=3D"width: 120px; height: auto; image-rendering: auto; outline: none; t=
ext-decoration: none; -ms-interpolation-mode: bicubic; border-width: 0;" />=
</td>=0D=0A              </tr>=0D=0A            </tbody>=0D=0A          </t=
able></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"center">Upgrade is located at 275 Battery Street, 23rd Floor, San Franc=
isco, CA, 94111</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <t=
d style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 1=
2px; line-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"ce=
nter"><span class=3D"goomoji">=C2=A9</span> 2025 Upgrade, Inc. All rights r=
eserved. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td styl=
e=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; l=
ine-height: 16px; color: #37383A; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" a=
lign=3D"center"><a alias=3D"cta3_txt_privacy" href=3D"https://link.upgrade.=
com/f/a/NJVlKXBL6rgHdVXvQbGbAQ~~/AAQRxRA~/llN-0cndMXykQIziqh79fBwneMddqsJaU=
7_k_FsfbxM-4pBjhEaZ8i8EPr8TGA78Y5KVgzmla6--JUsMq6vrZCsTxGzQzBrWvgU5iLElHJi4=
6LJBOZ5KbIEjfu4WHyES" style=3D"font-family: Helvetica, Arial, sans-serif; f=
ont-size: 12px; color: #4899C4 !important; text-decoration: underline; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 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"center" style=3D"image-rendering: auto; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%; padding: 10px 0px 0px;"><img src=3D"https://braze-images.com=
/appboy/communication/assets/image_assets/images/62c712c2931f9e0069af31f2/o=
riginal.png=3F1657213634" alt=3D"Equal Housing Lender" title=3D"Equal Housi=
ng Lender" border=3D"0" style=3D"height: auto; outline: none; text-decorati=
on: 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-height: 18px; color: #ffffff; 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_S2</td>=0D=0A                  </tr>=0D=0A=
                </tbody>=0D=0A              </table></td>=0D=0A          </=
tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      =0D=0A      <!--/F=
OOTER ENDS HERE--></td>=0D=0A    <!--/ALL CONTENT ENDS HERE-->=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  </tr>=0D=0A  </=
tbody>=0D=0A  =0D=0A</table>=0D=0A<custom name=3D"opencounter" type=3D"trac=
king"></custom>=0D=0A=0D=0A=0D=0A<img border=3D"0" width=3D"1" height=3D"1"=
 alt=3D"" src=3D"https://link.upgrade.com/q/DDAEK1ZG5E78KDJ6EcATyg~~/AAQRxR=
A~/bGXZbrcrE-AI4pZ7I3QTKUz_nqxHMib1n7Ki-o6kXOdHEcX7nSzk3r0KhV-XQLPNU7etanDz=
opgiWdGCRld6VA~~">=0D=0A</body>=0A</html>
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