Envelope-to: info@sterlingcal.com
Delivery-date: Fri, 14 Feb 2025 09:54:07 -0600
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <EB.C8.27219.3176FA76@i-06cfa1cff159ab578.mta1vrest.sd.prd.sparkpost>
To: info@sterlingcal.com
Date: Fri, 14 Feb 2025 15:53:55 +0000
Content-Type: multipart/alternative; boundary="_----3t3acFwKKNxodb7rgrcg/Q===_5A/C8-27219-3176FA76"
MIME-Version: 1.0
Subject: Reset your finances
Reply-To: noreply.email@upgrade.com

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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0ACheck your rate and ge=
t started on your goals today.=0A=0Aupgrade_logo ( https://link.upgrade.com=
/f/a/XYyQpxwYGXndWS1_IuZeuw~~/AAQRxRA~/oMF8hTivbdGn2vNuBOJnAFiL22PV6y9BfM0H=
YslgOUxOLfPMU_dr-w7FnNMERK_IZF451RgdvWTnfbHoBSg96iHaT1O-Y3AtzjW49PA5T_w~ )=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A                     Start=0Ataking con=
trol of your debt=0AHi,=0AIf you=E2=80=99re looking to simplify and take co=
ntrol of your debt,=0Achecking your rate (=0Ahttps://link.upgrade.com/f/a/V=
co5ffE-kpQsTKGwxp3x8Q~~/AAQRxRA~/z_CxJ0NIMz0lt3o6jYm366eFvlrOX-U0sSc0ZKEdBO=
D740S10VSpUK5fgku3zvgufaN2WnxvpK6j5sYG49JANFzezWML-6Fqmv6WbbKgxka0wsdhv2TvL=
INSVpFThdBpTZUKUvQcl6D1xRvTWtf6DQ~~=3Futm_source=3Ddecl_old&utm_medium=3Dem=
ail&utm_campaign=3Dsend05_a&utm_content=3Demail_link=0A) with Upgrade is a =
1-minute investment that could fast-track you=0Atowards paying off your deb=
t.=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f/a/PimX1zriB=
VZg8M6KJVojmg~~/AAQRxRA~/SEpZRljUuDYtJHmONDhmyl55jctzsQQchL3oNPAfLI7O6dxI7c=
OCgl8PHxXzIQadgHoVDqZt7FeBGexdhILWK0O62_P-4gsjv0t_AcFmuPPi90F_k9ETY6EJDlFlv=
s8uIZ0iBjKXzjkGYT4vkud7bNziVQ9j8JpQ9GqFhDF-xBBV9gwdFQ_duGJHjYXMPHa3z9XJeZOQ=
V-w28zT5dKeFwpDZ8AoWBRsIpKqRtYTbL-huBUb08yhEH02HFDpZa_Gs=0A)     =0A   We l=
ook forward to helping=0Ayou circle the date on your calendar that you=E2=
=80=99ll be debt free.=0AAll the best,=0AThe Upgrade Team              If y=
ou have questions, we're here=0Ato help.     support@upgrade.com           =
    Personal loans=0Amade through Upgrade feature Annual Percentage Rates (=
APRs) of=0A9.99%-35.99%. All personal loans have a 1.85% to 9.99%=0Aorigina=
tion fee, which is deducted from the loan proceeds. Lowest=0Arates require =
Autopay and paying off a portion of existing debt=0Adirectly. Loans feature=
 repayment terms of 24 to 84 months. For=0Aexample, if you receive a $10,00=
0 loan with a 36-month term and a=0A17.59% APR (which includes a 13.94% yea=
rly interest rate and a 5%=0Aone-time origination fee), you would receive $=
9,500 in your=0Aaccount and would have a required monthly payment of $341.4=
8.=0AOver the life of the loan, your payments would total $12,293.46.=0AThe=
 APR on your loan may be higher or lower and your loan offers=0Amay not hav=
e multiple term lengths available. Actual rate depends=0Aon credit score, c=
redit usage history, loan term, and other=0Afactors. Late payments or subse=
quent charges and fees may=0Aincrease the cost of your fixed rate loan. The=
re is no fee or=0Apenalty for repaying a loan early.=0A All loans, Personal=
 Credit=0ALines, and checking and savings accounts are provided by=0AUpgrad=
e's bank partners ( https://link.upgrade.com/f/a/02Vqsox3ffEfR_c__sS4yA~~/A=
AQRxRA~/fvIPWyo1SYUMRMf0HjLOFLVt1ddwv4vxgnTuoJnJ19TS944fG2oa-C6yG0ghyJUiMt9=
ca75Dkpjns4RU_4kUotU2CDMqwwhRhn-SQzr4QejIqtAdPWAq0RIQZek4FHUs ) . Upgrade V=
isa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are issued=0Aby Upgrade'=
s bank partners =0A( https://link.upgrade.com/f/a/02Vqsox3ffEfR_c__sS4yA~~/=
AAQRxRA~/fvIPWyo1SYUMRMf0HjLOFLVt1ddwv4vxgnTuoJnJ19TS944fG2oa-C6yG0ghyJUiMt=
9ca75Dkpjns4RU_4kUotU2CDMqwwhRhn-SQzr4QejIqtAdPWAq0RIQZek4FHUs ), 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/8u_QYAfA1J=
tJr7AJl8460g~~/AAQRxRA~/fxeAG8zLE8EOLZJg8W-H1HnqFduyzNVsfeyeAZ7IklOkMNgPQJX=
hbRDy6oGRDFtsH4aOrJcfBhjyFoBUQqX7QNdzwpJkKXj1USCNYwFVI24vUaVGTNmOdXw-BRnP3C=
2fF2yeLshotvYI9D54T6bkebcOruI9Hbi-5WZ2N3bF9R7TjSsvUUlifucDJSLdIIMUo1IBUqswj=
I4zSR-ZvM_7tLEFICwJrMxSuukDNvI1HOc~ )=0A and does business under the follow=
ing DBAs =0A( https://link.upgrade.com/f/a/BeNiU5mByOUEpEEEuARMXg~~/AAQRxRA=
~/mpfe2_SABIT5CsZPE9cWtnNCOrNz26fjXDY19_GqRei51wSfzuuKphwXQMJPTB18whdovIKvb=
_BYB21r6vD8HDN7gPqC-9YzmwasBc2lljSfYcizRavoVA4i-_rZ1A0h ).=0A=0AUpgrade is =
a financial technology company, not a bank =0A( https://link.upgrade.com/f/=
a/jw5Fy2RoR4IGaCnaYJ2law~~/AAQRxRA~/mCuKEX9Oy1Qp1OlBxqd0W9Sby9dHHwrDpIAsK3b=
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KFv )=0A. =0A   Accept your loan offer and=0Ayour funds will be sent to you=
r bank or designated account within=0Aone (1) business day of clearing nece=
ssary verifications.=0AAvailability of the funds is dependent on how quickl=
y your bank=0Aprocesses the transaction. From the time of approval, funds s=
ent=0Adirectly to you should be available within one (1) business day.=0AFu=
nds sent directly to pay off your creditors may take up to 2=0Aweeks to cle=
ar, depending on the creditor.=0A=0Afacebook =0A( https://link.upgrade.com/=
f/a/h6Iz3s6hjTum30FNNpHXwA~~/AAQRxRA~/sRQaHYWg8PJXkIFuZ1TkG32gF99Xo6tkv8R25=
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OMMl6MM1RTnYjPYfk5awOVmBtg_uX6Y2cqgMDc5D_QOA0lKZveql8Usz6gjkDIrIVoxBS )=0A=
=0Ainstagram =0A( https://link.upgrade.com/f/a/ZXcb0gFYR6dN7aUxlNpf5g~~/AAQ=
RxRA~/sRQaHYWg8PJXkIFuZ1TkG6tnvLlEWAQXDgFkdq4eUAiBdDToDD7lxO_8LHN7Vjyp3OPpm=
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Fjg42fcu-05jN4tL6RP4XK4esV5XiQIVAjqba )=0A=0Ablog =0A( https://link.upgrade=
.com/f/a/jlHKBTQzZA5a7MIvfnA6-A~~/AAQRxRA~/8wYvD444kYBAnDz6x2JPZUrGnmW7jya=
sM4rnpMox90umsuqsP6kzlCnj9Tmweu5qWuz7ICyTSOE_YN_Nr_nFyWOie0LecKjqTE_bR5vmth=
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dLlTKwewp8dxF3GstHKnEllyEAtYdWcgb4ZLFTN4ih68ubuxx3cjPvUbT5y_WpdeXgx7hztfRU4=
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V5ijWfsO-1JMSsLKrIEvbA4yAWkZY0FTo9uNLEHxRw8XwZ_B4Io1AGNA~ ) or=0AUpdate Pre=
ferences ( https://link.upgrade.com/f/a/D91F_w2YLthXFQwLPsHvbA~~/AAQRxRA~/P=
0Gno4-fwhOG7BM4PQN1uyGD2mB_M8fiNU4MvurcAK9rY4MPqQQuHkxCpImUwMNcLCiMbx6hbsDE=
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kN9eY~ )=0AUpgrade      Upgrade is located at 275 Battery Street, 23rd=0AFl=
oor, San Francisco, CA, 94111=0A=C2=A9 2025 Upgrade, Inc. All rights=0Arese=
rved.=0APrivacy Policy ( https://link.upgrade.com/f/a/tCaxTr1F5f_6ydWLs2qjw=
A~~/AAQRxRA~/gAl9NfFEEQJ6lV7VL2-5vNX6H_d8PAsMG6dR_YtbnMRPv06Crn_D_sJeSD_77y=
GHSpBkvPIZtIM-NqN6jz3T8ztRdkcQRgT5SiAEdojyRYp_rw42pLtO2tOXje6CEC4z )=0A=0A =
  Equal Housing Lender=0A        PL_ITA_DECL_OLD_S5
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ble-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-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mblHe=
ader" style=3D"width: 100%; max-width: 600px; border-collapse: collapse; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; min-width: 90% !important;">=0A  <tbody>=0A   =
 <tr>=0A      <td align=3D"center" valign=3D"top" style=3D"mso-line-height-=
rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 10=
0%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-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-ad=
just: 100%; padding: 0px;" valign=3D"top"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; m=
so-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">=0A                  <tbody>=0A             =
       <tr>=0A                      <td align=3D"center" valign=3D"middle" =
style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"https://link.up=
grade.com/f/a/XYyQpxwYGXndWS1_IuZeuw~~/AAQRxRA~/oMF8hTivbdGn2vNuBOJnAFiL22P=
V6y9BfM0HYslgOUxOLfPMU_dr-w7FnNMERK_IZF451RgdvWTnfbHoBSg96iHaT1O-Y3AtzjW49P=
A5T_w~" style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; text-a=
lign: center; font-size: 20px; color: #4899C4 !important; text-decoration: =
none; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
xt-size-adjust: 100%;"><img alt=3D"upgrade_logo" border=3D"0" height=3D"33"=
 src=3D"https://braze-images.com/appboy/communication/assets/image_assets/i=
mages/63348ce6db77c73d707010e4/original.png=3F1664388326" style=3D"outline:=
 0px; width: 144px; height: auto; font-family: Graphik, Helvetica, Arial, s=
ans-serif; font-size: 24px; color: rgb(0, 175, 106); text-decoration: none;=
 -ms-interpolation-mode: bicubic; padding: 0px; border-width: 0px;" title=
=3D"logo" width=3D"144" class=3D"center" /></a></td>=0A                    =
</tr>=0A                  </tbody>=0A                </table></td>=0A      =
      </tr>=0A          </tbody>=0A        </table></td>=0A    </tr>=0A  </=
tbody>=0A</table>=0A<!-- X-250ok-CID: upgrade_pl_ita_declined_old_send05_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</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      </table>=0D=0A     =
 =0D=0A      <!--/HEADER ENDS HERE--> =0D=0A      =0D=0A      <!--PRIMARY--=
>=0D=0A      =0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"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%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A        =0D=0A =
       <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 40px 0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" sty=
le=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tab=
le-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, serif; font-size: 24px; line-=
height: 32px; color: #0E680E; font-weight: bold; mso-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"=
left">Start taking control of your debt</td>=0D=0A                </tr>=0D=
=0A                <tr>=0D=0A                  <td style=3D"padding-top: 15=
px; font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22p=
x; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%;" 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: Helvetic=
a, Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 15px 0px 20px;" align=3D"left">If you=E2=80=99re looking=
 to simplify and take control of your debt, <a alias=3D"checking your rate"=
 href=3D"https://link.upgrade.com/f/a/HqKk07TKoEA0aArotWBpZg~~/AAQRxRA~/zAm=
dZyFGf3KgTVuPjT-A6-qMG_IG7Gr5h_1NrHroTI1vEenGuxzdvZpqvHE7Mn5y2ETLxxNO4CR0jO=
e7wCvq5vc3UUknNT6m0gVABr1JGGSxrh-UJxXE4UmQCyou6ukj23njkaGvDZ0jwFGe5GmclFK7u=
N59WMtjwc7CDkhZGrMTL-scmRimeMLlhuimHo9xilQtteQrcz9pV0IKhYI1PJ_igG9_GyKQVRAC=
P5VS0b0S0l-Rz3qCqWm-s2IFRwfI" style=3D"color: #4899C4 !important; display: =
inline-block; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">checking your rate</a> with Upgrade is a 1-m=
inute investment that could fast-track you towards paying off your debt.</t=
d>=0D=0A                </tr>=0D=0A                                =0D=0A  =
            <!--/BUTTON STARTS HERE-->=0D=0A              <span style=3D"fo=
nt-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, Helvetica, Arial, serif; font-size: 16px; line-he=
ight: 24px; color: #ffffff !important; mso-line-height-rule: exactly; -ms-t=
ext-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" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 275px; b=
order-collapse: separate; -webkit-border-radius: 8px; -moz-border-radius: 8=
px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px solid #0=
E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A              <td hei=
ght=3D"45" style=3D"height: 40px; color: #ffffff; mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign=
=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" href=3D"https://l=
ink.upgrade.com/f/a/PimX1zriBVZg8M6KJVojmg~~/AAQRxRA~/SEpZRljUuDYtJHmONDhmy=
l55jctzsQQchL3oNPAfLI7O6dxI7cOCgl8PHxXzIQadgHoVDqZt7FeBGexdhILWK0O62_P-4gsj=
v0t_AcFmuPPi90F_k9ETY6EJDlFlvs8uIZ0iBjKXzjkGYT4vkud7bNziVQ9j8JpQ9GqFhDF-xBB=
V9gwdFQ_duGJHjYXMPHa3z9XJeZOQV-w28zT5dKeFwpDZ8AoWBRsIpKqRtYTbL-huBUb08yhEH0=
2HFDpZa_Gs" style=3D"display: inline-block; font-size: 16px; line-height: 2=
4px; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; =
color: #ffffff !important; text-decoration: none !important; letter-spacing=
: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![=
endif]-->Check Your Rate<!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]--></a></td=
>=0D=0A          </tr>=0D=0A      </table>=0D=0A  </td>=0D=0A</tr>=0D=0A=0D=
=0A=0D=0A=0D=0A =0D=0A              <!--/BUTTON ENDS HERE-->=0D=0A=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">We look forward to helping=
 you circle the date on your calendar that you=E2=80=99ll be debt free.</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">All the best,<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 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%;" bgcolor=3D"#F5F4F3">=
=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td style=3D"pad=
ding-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" cellspacing=3D"0" style=3D=
"width: 100%; border-bottom-width: 1px; border-bottom-color: #cccccc; borde=
r-bottom-style: solid; max-width: 600px; border-collapse: collapse; mso-tab=
le-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=0A    <td clas=
s=3D"mbl_text_cs" style=3D"padding-top: 25px; font-family: Helvetica, Arial=
, serif; font-size: 16px; line-height: 20px; color: #37383A; mso-line-heigh=
t-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    </t=
d>=0D=0A  </tr>=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_cs" style=3D"fon=
t-family: Helvetica, Arial, serif; font-size: 16px; line-height: 20px; colo=
r: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%; padding: 3px 3px 25px;" align=3D"center">=0D=0A=
      <a href=3D"mailto:support@upgrade.com" style=3D"font-family: Helvetic=
a, Arial, serif; color: #4899C4 !important; text-decoration: underline; ver=
tical-align: middle; display: inline-block; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">support@upgrad=
e.com</a>=0D=0A    </td>=0D=0A  </tr>=0D=0A</table></td>=0D=0A          </t=
r>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      =0D=0A      <!-- /C=
ONTACT MODULE ENDS HERE--> =0D=0A      =0D=0A      <!--FOOTER STARTS HERE--=
>=0D=0A      =0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A          <tr>=
=0D=0A            <td align=3D"center" style=3D"mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20=
px 0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"wid=
th: 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: 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">Personal loans made through Upgrade feature Annual Percentage Rat=
es (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origina=
tion fee, which is deducted from the loan proceeds. Lowest rates require Au=
topay and paying off a portion of existing debt directly. Loans feature rep=
ayment terms of 24 to 84 months. For example, if you receive a $10,000 loan=
 with a 36-month term and a 17.59% APR (which includes a 13.94% yearly inte=
rest rate and a 5% one-time origination fee), you would receive $9,500 in y=
our 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 loa=
n may be higher or lower and your loan offers may not have multiple term le=
ngths available. Actual rate depends on credit score, credit usage history,=
 loan term, and other factors. Late payments or subsequent charges and fees=
 may increase the cost of your fixed rate loan. There is no fee or penalty =
for repaying a loan early. =0A  All loans, Personal Credit Lines, and check=
ing and savings accounts are provided by Upgrade's <a href=3D"https://link.=
upgrade.com/f/a/02Vqsox3ffEfR_c__sS4yA~~/AAQRxRA~/fvIPWyo1SYUMRMf0HjLOFLVt1=
ddwv4vxgnTuoJnJ19TS944fG2oa-C6yG0ghyJUiMt9ca75Dkpjns4RU_4kUotU2CDMqwwhRhn-S=
Qzr4QejIqtAdPWAq0RIQZek4FHUs" target=3D"_blank" style=3D"vertical-align: to=
p; color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-=
adjust: 100%; -webkit-text-size-adjust: 100%;">bank partners</a>. Upgrade V=
isa<sup style=3D"font-size: 12px; line-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</sup> Debit Cards are issued by Upgrade's =
<a href=3D"https://link.upgrade.com/f/a/02Vqsox3ffEfR_c__sS4yA~~/AAQRxRA~/f=
vIPWyo1SYUMRMf0HjLOFLVt1ddwv4vxgnTuoJnJ19TS944fG2oa-C6yG0ghyJUiMt9ca75Dkpjn=
s4RU_4kUotU2CDMqwwhRhn-SQzr4QejIqtAdPWAq0RIQZek4FHUs" target=3D"_blank" sty=
le=3D"vertical-align: top; color: #4899C4 !important; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank=
 partners</a>, pursuant to a license from Visa USA Inc. <br />=0A<br />=0AU=
pgrade, Inc. (NMLS #1548935) holds the following <a href=3D"https://link.up=
grade.com/f/a/8u_QYAfA1JtJr7AJl8460g~~/AAQRxRA~/fxeAG8zLE8EOLZJg8W-H1HnqFdu=
yzNVsfeyeAZ7IklOkMNgPQJXhbRDy6oGRDFtsH4aOrJcfBhjyFoBUQqX7QNdzwpJkKXj1USCNYw=
FVI24vUaVGTNmOdXw-BRnP3C2fF2yeLshotvYI9D54T6bkebcOruI9Hbi-5WZ2N3bF9R7TjSsvU=
UlifucDJSLdIIMUo1IBUqswjI4zSR-ZvM_7tLEFICwJrMxSuukDNvI1HOc~" target=3D"_bla=
nk" style=3D"vertical-align: top; color: #4899C4 !important; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;">state licenses</a> and does business under the following <a href=3D"http=
s://link.upgrade.com/f/a/BeNiU5mByOUEpEEEuARMXg~~/AAQRxRA~/mpfe2_SABIT5CsZP=
E9cWtnNCOrNz26fjXDY19_GqRei51wSfzuuKphwXQMJPTB18whdovIKvb_BYB21r6vD8HDN7gPq=
C-9YzmwasBc2lljSfYcizRavoVA4i-_rZ1A0h" target=3D"_blank" style=3D"vertical-=
align: top; color: #4899C4 !important; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;">DBAs</a>. <br />=0A=
<br />=0AUpgrade is a <a href=3D"https://link.upgrade.com/f/a/jw5Fy2RoR4IGa=
CnaYJ2law~~/AAQRxRA~/mCuKEX9Oy1Qp1OlBxqd0W9Sby9dHHwrDpIAsK3bWWQJYImJQoUQCNC=
ubK581h2pWmH6sw6oLnsgAOAOvPjgldVbDmXj5pK4H-re52lZur_lgQ0d0rBXy3Di88Jb8wNSSp=
DvCIervi2H2U8Hxhkto6ORO4K6zYKS7DAeiFBVKDKEAMnBdHJIf-K0wozbF4KFv" 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%;">financial technology company, not a bank</a>.=0A=0A</td>=0D=0A      =
            </tr>=0D=0A                  <tr>=0D=0A                    <td =
style=3D"padding-top: 15px; font-family: Helvetica, Arial, sans-serif; font=
-size: 12px; line-height: 18px; color: #37383A; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"l=
eft">Accept your loan offer and your funds will be sent to your bank or des=
ignated account within one (1) business day of clearing necessary verificat=
ions. Availability of the funds is dependent on how quickly your bank proce=
sses the transaction. From the time of approval, funds sent directly to you=
 should be available within one (1) business day. Funds sent directly to pa=
y off your creditors may take up to 2 weeks to clear, depending on the cred=
itor.</td>=0D=0A                  </tr>=0D=0A                  <tr>=0D=0A  =
                  <td style=3D"padding-top: 15px; font-family: Helvetica, A=
rial, sans-serif; font-size: 12px; line-height: 18px; color: #37383A; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 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-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-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-adju=
st: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;"><table bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border=
-top-width: 1px; border-top-color: #cecece; border-top-style: solid; border=
-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A        <tr>=0D=
=0A          <td align=3D"center" style=3D"mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0p=
x 0px;"><table class=3D"center" align=3D"center" border=3D"0" cellspacing=
=3D"0" cellpadding=3D"0" width=3D"60%" style=3D"text-align: center; border-=
collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0D=0A   =
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gn=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-height-rule=
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ing: 0px;"><a href=3D"https://link.upgrade.com/f/a/h6Iz3s6hjTum30FNNpHXwA~~=
/AAQRxRA~/sRQaHYWg8PJXkIFuZ1TkG32gF99Xo6tkv8R25rO6FGtOaPz8ad9C2WkwBLT0FQ8yR=
xdks3oWjKs8acAc_e3M_frTbR76VMvVvfw745gFFa3qOZGSdLvZjjwPSImm8FHC1QtiVKiFch6H=
eWANTFRkmbedfD86LjH-EUfOp9dXX4ZT7ujPVRVK3WVZr-uOMMl6MM1RTnYjPYfk5awOVmBtg_u=
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ook" style=3D"color: #4899C4 !important; mso-line-height-rule: exactly; -ms=
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just: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"https=
://link.upgrade.com/f/a/ZXcb0gFYR6dN7aUxlNpf5g~~/AAQRxRA~/sRQaHYWg8PJXkIFuZ=
1TkG6tnvLlEWAQXDgFkdq4eUAiBdDToDD7lxO_8LHN7Vjyp3OPpmHaAVwRpqSiGBo4_3Y4XBh66=
C3WuC0IpuoTOG6WhjVATB4QpVDauEn7EVCJAZIcmAfE0NHu_sI5Ama_MWgHfbk6WsmLP66w0NQ8=
JUkW0-BmqWOyEr-9eNFz6I_W0CNzo23qKx5TpBldQymS9x2Y2iqxFjg42fcu-05jN4tL6RP4XK4=
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                  <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=
/jlHKBTQzZA5a7MIvfnA6-A~~/AAQRxRA~/8wYvD444kYBAnDz6x2JPZUrGnmW7jyasM4rnpMox=
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lnExa05cdYR3YsUY8PFso5EwVFtMw_dFtcCkjBFsN0CIfUPbyG6KU51jeY3HndbPiOHzPvmGTjE=
VFAMWRoko3Vz_EWWyU83D0ShfUG3xiroRoa42g4ygyBitK9CCgbTUMc3SGFNQ_8nvkq4Irzg6Jw=
BDlSWqtZea9anI9HpEoavWYXtSAJ3gjlxuy6nzJn7rwzW6GujgbTZ_X_Lp-eL6FM4vCv37xgGc0=
GxnxQkrIn2URqUi9QQlcXYyna90GzqtpKhYH46nP5cZ3OCFQtOgo_kw0qIzyAmi0kN9eY~" ali=
as=3D"Preference" style=3D"font-family: Helvetica, Arial, sans-serif; font-=
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-align: top; display: inline-block; 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"body=
3" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center"><table=
 border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; bor=
der-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A            <=
tbody>=0D=0A              <tr>=0D=0A                <td align=3D"center" st=
yle=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 0px;"><img src=3D"https://braze-images.com/=
appboy/communication/assets/image_assets/images/64a74a9cc06c460050dbcfc2/or=
iginal.png=3F1688685212" alt=3D"Upgrade" title=3D"Upgrade" border=3D"0" wid=
th=3D"120" height=3D"auto" style=3D"width: 120px; height: auto; image-rende=
ring: auto; outline: none; text-decoration: none; -ms-interpolation-mode: b=
icubic; 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-family: Graphik, Helvetica, Arial, sans-s=
erif; font-size: 12px; line-height: 16px; color: #37383A; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 10px 0px 0px;" align=3D"center">Upgrade is located at 275 Battery S=
treet, 23rd Floor, San Francisco, CA, 94111</td>=0D=0A        </tr>=0D=0A  =
      <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Ari=
al, sans-serif; font-size: 12px; line-height: 16px; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding=
: 10px 0px 0px;" align=3D"center"><span class=3D"goomoji">=C2=A9</span> 202=
5 Upgrade, Inc. All rights reserved. </td>=0D=0A        </tr>=0D=0A        =
<tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Arial, sa=
ns-serif; font-size: 12px; line-height: 16px; color: #37383A; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%; padding: 10px 0px 0px;" align=3D"center"><a alias=3D"cta3_txt_privacy" h=
ref=3D"https://link.upgrade.com/f/a/tCaxTr1F5f_6ydWLs2qjwA~~/AAQRxRA~/gAl9N=
fFEEQJ6lV7VL2-5vNX6H_d8PAsMG6dR_YtbnMRPv06Crn_D_sJeSD_77yGHSpBkvPIZtIM-NqN6=
jz3T8ztRdkcQRgT5SiAEdojyRYp_rw42pLtO2tOXje6CEC4z" style=3D"font-family: Hel=
vetica, Arial, sans-serif; font-size: 12px; color: #4899C4 !important; text=
-decoration: underline; mso-line-height-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-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; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;"><img src=
=3D"https://braze-images.com/appboy/communication/assets/image_assets/image=
s/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; bord=
er-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, Aria=
l, sans-serif; font-size: 12px; line-height: 18px; color: #ffffff; padding-=
top: 10px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;" align=3D"left">PL_ITA_DECL_OLD_S5</td>=0D=0A   =
               </tr>=0D=0A                </tbody>=0D=0A              </tab=
le></td>=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=
=0A      =0D=0A      <!--/FOOTER ENDS HERE--></td>=0D=0A    <!--/ALL CONTEN=
T ENDS HERE-->=0D=0A    <td style=3D"font-size: 0; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;<=
/td>=0D=0A  </tr>=0D=0A  </tbody>=0D=0A  =0D=0A</table>=0D=0A<custom name=
=3D"opencounter" type=3D"tracking"></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/=
5pNWeTjKoh7zJQvlnvLypQ~~/AAQRxRA~/KIVFucft9hjsIZy9lWCXRxKWs_lXvR2WVfY3HgPRn=
TY5coXcWFAq0Ww_CZ5eEk7cAmD74M_Kv04S_EsyEju_FQ~~">=0D=0A</body>=0A</html>
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