Envelope-to: info@sterlingcal.com
Delivery-date: Thu, 20 Feb 2025 10:34:46 -0600
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <C9.07.19538.A9957B76@i-05fa5a058a3829242.mta1vrest.sd.prd.sparkpost>
Subject: Andrew, what are you waiting for? Check your rate today.
To: info@sterlingcal.com
Date: Thu, 20 Feb 2025 16:34:34 +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=0AWipe out your credit c=
ard debt in as few as 36 months with a=0Apersonal loan through Upgrade.=0A=
=0Aupgrade_logo ( https://link.upgrade.com/f/a/SXJMP-_8Ubby7taNzTq98A~~/AAQ=
RxRA~/CIuMV-xotYS8E7uQ1iKoSkeG6H5wjVlAgqHpS3M1GcJer7OlRVpwVRnJ9JNgglxA8KRMj=
sfXa74TE3d79NEdJkV1LJhAx9y7qYCEhUQ0KWw~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=
=0A                     How much=0Acould you save=3F=0AHi,=0ADid you know t=
hat only paying the minimum payment on your credit=0Acard each month can dr=
aw out your repayment for over a decade=3F=0AWith a personal loan (=0Ahttps=
://link.upgrade.com/f/a/NYRCH6YQCVpmDi2TRHpT6g~~/AAQRxRA~/MbHBuW_rlAae8A9jq=
zstwQP8O9yLUD6fnsztxgkeHfvZbrDunM5o3Xc5F4P0yHlY5CjMySApZVVuz3n0HH3xXMS7GSPz=
vE4dC8AmZ-JJOIdbLRi9tHqXBFngkHqZwNGGnWF2r737B58C-VYOOs_IBA~~=3Futm_source=
=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dsend04_b&utm_content=3Demail_=
link=0A) through Upgrade you can wipe out your credit card debt in as=0Afew=
 as 36 months.   =0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f=
/a/ebjpa61cQUB_z2EcMqvneg~~/AAQRxRA~/sxDGpJfhymcS9r2bGl8u9B5xzcl0NEJBQCLyHh=
tIeHlFM-HmbkMiBNFvAMuToBlJcQvnDzQyHgGw_NqCniqMr-kdZUy9qVA2FWidpsNEnoTxlUFXP=
rpM3Ri4ZG6pL-YomIcCsTg5S3WgiHIThMMxsTbIWc6cFzjtU00T3VYKxhSLC4BpvEe9OEI1Y74D=
QSMSLus8btkwAJ0wkl76OEiDcf-2-0DrsJZGYlZ3ppjwFlomMAIUVjZgUQ3EqHas8Laj=0A)   =
  =0A   It=E2=80=99s easy to check your rate=0A=E2=80=94 click here (=0Ahtt=
ps://link.upgrade.com/f/a/NYRCH6YQCVpmDi2TRHpT6g~~/AAQRxRA~/MbHBuW_rlAae8A9=
jqzstwQP8O9yLUD6fnsztxgkeHfvZbrDunM5o3Xc5F4P0yHlY5CjMySApZVVuz3n0HH3xXMS7GS=
PzvE4dC8AmZ-JJOIdbLRi9tHqXBFngkHqZwNGGnWF2r737B58C-VYOOs_IBA~~=3Futm_source=
=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dsend04_b&utm_content=3Demail_=
link=0A) to see how much you could save. When you check your rate, there=0A=
is no obligation and no impact to your credit score.   Thanks,=0AThe Upgrad=
e Team              If you have questions, we're here=0Ato help.     suppor=
t@upgrade.com               Personal loans=0Amade through Upgrade feature A=
nnual Percentage Rates (APRs) of=0A7.99%-35.99%. All personal loans have a =
1.85% to 9.99%=0Aorigination 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=0Aexampl=
e, if you receive a $10,000 loan with a 36-month term and a=0A17.59% APR (w=
hich includes a 13.94% yearly interest rate and a 5%=0Aone-time origination=
 fee), you would receive $9,500 in your=0Aaccount and would have a required=
 monthly payment of $341.48.=0AOver the life of the loan, your payments wou=
ld total $12,293.46.=0AThe APR on your loan may be higher or lower and your=
 loan offers=0Amay not have multiple term lengths available. Actual rate de=
pends=0Aon credit score, credit usage history, loan term, and other=0Afacto=
rs. Late payments or subsequent charges and fees may=0Aincrease the cost of=
 your fixed rate loan. There is no fee or=0Apenalty for repaying a loan ear=
ly.=0A All loans, Personal Credit=0ALines, and checking and savings account=
s are provided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/=
vBOtifmxEJPy-35rOgJvqA~~/AAQRxRA~/JBdyumIv0dC0GzmlGBs3rklEAXi7EFpB2LN3q3WJ3=
dtU3hnLg6u_mTq20lf-FJhhXnnhDJox5nWOa--E7Kjspp-nhXqgTb4hdOXQzoQszn4AiBIVexTQ=
6Txcpee9j4n9 ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Card=
s are issued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f/a=
/vBOtifmxEJPy-35rOgJvqA~~/AAQRxRA~/JBdyumIv0dC0GzmlGBs3rklEAXi7EFpB2LN3q3WJ=
3dtU3hnLg6u_mTq20lf-FJhhXnnhDJox5nWOa--E7Kjspp-nhXqgTb4hdOXQzoQszn4AiBIVexT=
Q6Txcpee9j4n9 ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, I=
nc. (NMLS #1548935) holds the following state licenses=0A=0A( https://link.=
upgrade.com/f/a/vzIsr_05kjFazXFNZkR8Zw~~/AAQRxRA~/ULR8JZKeaC6LQamaM5BGwzs-P=
P44Yfcprptxdxn1sLKki6lV6bchpGlitgTYG8J5IlPpBkxSwVfVHw6uiipgquQxJ4FePg1EWa6a=
Cf0KIfrhki6tqvA6AOw2R7SEBgrY7_JaWEEmxghEPK9CqlJSVV3uUTyjQTA2LaDGDFTyXI7lbe3=
f1ntUxWE3re20CM0veCpVOV9g5w6N7NAM9cJlbNT-i_4ftj3mkTDtVSIEpCs~ )=0A and does=
 business under the following DBAs =0A( https://link.upgrade.com/f/a/M76hXg=
atjup9fJUCj-arYQ~~/AAQRxRA~/qHc0HyudkVcJmrX1TIITwlLjUVG712j4VNVUePyBz5SvBrK=
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j37qaJ ).=0A=0AUpgrade is a financial technology company, not a bank =0A( h=
ttps://link.upgrade.com/f/a/E3r9x4S3frhgarRtamdghg~~/AAQRxRA~/wQsbj49ql_c9j=
JHJ4YcKkniRem5DyHakwqerCsLvenQrGT1o7R59OesLHA81LnQ0jX0lQBAh7pVyEIkpr_m4WHmV=
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nUfeXbgiU-ujQKIXIjPN7Og3HMTPb )=0A. =0A   Accept your loan offer and=0Ayour=
 funds will be sent to your bank or designated account within=0Aone (1) bus=
iness day of clearing necessary verifications.=0AAvailability of the funds =
is dependent on how quickly your bank=0Aprocesses the transaction. From the=
 time of approval, funds sent=0Adirectly to you should be available within =
one (1) business day.=0AFunds sent directly to pay off your creditors may t=
ake up to 2=0Aweeks to clear, depending on the creditor.=0A=0Afacebook =0A(=
 https://link.upgrade.com/f/a/HKqMiVgiM-a16SyiK-YKsQ~~/AAQRxRA~/gHOPN8z5R_E=
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LbyGaHrwyedIC23l7V4z )=0A=0Ainstagram =0A( https://link.upgrade.com/f/a/CK7=
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gFJ9VVyKvaBmAFUGj3e6snQP3OH2p2cTdNNFOT6vF8S3RurvD_M7dne5k_OeXp )=0A=0Ablog =
=0A( https://link.upgrade.com/f/a/Cm56TRnxyRIee3l5WW2Aow~~/AAQRxRA~/TLiFNwq=
4I-jpLYvazBiJppQk-fWIykoVCH2T3luQSdhnFJZ9BofpCF5_s4QIKbu513v0-oYtWG0GOTyd11=
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cARowOvecgiP7ZdYcwZlfTfL )=0A       Please do not reply directly to this me=
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hj-2gznIUB5LApXViJ3_24UQ8DPg ) or=0AUpdate Preferences ( https://link.upgra=
de.com/f/a/-yfOpWvJ7eu5xS9sfEIvUQ~~/AAQRxRA~/XQxXOchy_vD6ijP8-mtD9PLH-uIPNK=
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FMBDae7-cCqmxIHODAFAhlxWttyn8Ov0fYdBzccqwUKvOm9sz4U~ )=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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uZ6jUvVkVYWkLgB6RCbyhQNtNsBBJuUqcwYKAtPKWtkVRD1ucrQgUYPY-QSbK3SshG5ELHWAhPK=
ppQeoAZD5gv0sVmgmD0pv65XVNbGW3a4aBaVp )=0A=0A   Equal Housing Lender=0A    =
    PL_ITA_DECL_OLD_S4
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ign=3D"center" valign=3D"top" style=3D"mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: =
collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                <tbody>=0D=
=0A                  <tr>=0D=0A                    <td style=3D"font-size: =
0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%; padding: 15px 0;" valign=3D"top"><table border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: col=
lapse; 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"left" 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" 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% !important;">=0A  <tbody>=0A    <tr>=0A      <td align=3D"center" vali=
gn=3D"top" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;"><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%;">=0A          <tbody>=0A            <tr>=0A         =
     <td style=3D"font-size: 0; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" valign=3D"to=
p"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: =
100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0=
pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A       =
           <tbody>=0A                    <tr>=0A                      <td a=
lign=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"upg=
rade_logo" href=3D"https://link.upgrade.com/f/a/SXJMP-_8Ubby7taNzTq98A~~/AA=
QRxRA~/CIuMV-xotYS8E7uQ1iKoSkeG6H5wjVlAgqHpS3M1GcJer7OlRVpwVRnJ9JNgglxA8KRM=
jsfXa74TE3d79NEdJkV1LJhAx9y7qYCEhUQ0KWw~" style=3D"font-family: Graphik, He=
lvetica, Arial, sans-serif; text-align: center; font-size: 20px; color: #48=
99C4 !important; text-decoration: none; mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img alt=3D"upgrad=
e_logo" border=3D"0" height=3D"33" src=3D"https://braze-images.com/appboy/c=
ommunication/assets/image_assets/images/63348ce6db77c73d707010e4/original.p=
ng=3F1664388326" style=3D"outline: 0px; width: 144px; height: auto; font-fa=
mily: Graphik, Helvetica, Arial, sans-serif; font-size: 24px; color: rgb(0,=
 175, 106); text-decoration: none; -ms-interpolation-mode: bicubic; padding=
: 0px; border-width: 0px;" title=3D"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: upgra=
de_pl_ita_declined_old_send04_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"fo=
nt-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-collap=
se: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A   =
     <tbody>=0D=0A        =0D=0A        <tr>=0D=0A          <td align=3D"ce=
nter" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%; padding: 40px 0;"><table border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: collaps=
e; 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, Ari=
al, serif; font-size: 24px; line-height: 32px; color: #0E680E; font-weight:=
 bold; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;" align=3D"left">How much could you save=3F</td>=0D=
=0A                </tr>=0D=0A                <tr>=0D=0A                  <=
td style=3D"padding-top: 15px; font-family: Helvetica, Arial, serif; font-s=
ize: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"lef=
t"><span style=3D"font-size: 0px; line-height: 1;"></span>Hi,</td>=0D=0A   =
             </tr>=0D=0A                <tr>=0D=0A                  <td sty=
le=3D"font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 2=
2px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 15px 0px 20px;" align=3D"left=
">Did you know that only paying the minimum payment on your credit card eac=
h month can draw out your repayment for over a decade=3F With a <a alias=3D=
"get started" href=3D"https://link.upgrade.com/f/a/Yi4sAcfJqPb8lubyweId7w~~=
/AAQRxRA~/UZjnTJhji7_aOHDltX_NbFlDezg7E3uIJH64r5P1gZk5Qj_pBK4gHxKhB5xTf1HMA=
l3ggbQcIdW19ZVag-MUPuBMVjKWfQdWn3aQAZIia-wIh2ZS5AjPm3EQog8aW6nd8ZCNAJ3gc86e=
fOkrBSZtKJ67WRDJPo5BvIclAl3aPGP5WxpEDJywylB1cOxqUmDRIjRxH80wnxbrlapGEkPDpEU=
Sl8ChASMIYsH-7pgMckmqL3kNONfHx5n3aBwS6Ci_" style=3D"color: #4899C4 !importa=
nt; display: inline-block; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%;">personal loan</a> through Upgra=
de you can wipe out your credit card debt in as few as 36 months.</td>=0D=
=0A                </tr>=0D=0A              <!--/BUTTON STARTS HERE-->=0D=
=0A              <span style=3D"font-size: 0px; line-height: 1;">=0D=0A=0D=
=0A=0D=0A</span>=0D=0A=0D=0A=0D=0A=0D=0A<tr>=0D=0A  <td valign=3D"top" alig=
n=3D"center" width=3D"515" style=3D"font-family: Graphik, Helvetica, Arial,=
 serif; font-size: 16px; line-height: 24px; color: #ffffff !important; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; padding: 0px;"><!--/BUTTON STARTS HERE-->=0D=0A      <table ali=
gn=3D"center" class=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" style=3D"width: 275px; border-collapse: separate; -webkit-border-ra=
dius: 8px; -moz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; border: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A         =
 <tr>=0D=0A              <td height=3D"45" style=3D"height: 40px; color: #f=
fffff; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Chec=
k Your Rate" href=3D"https://link.upgrade.com/f/a/ebjpa61cQUB_z2EcMqvneg~~/=
AAQRxRA~/sxDGpJfhymcS9r2bGl8u9B5xzcl0NEJBQCLyHhtIeHlFM-HmbkMiBNFvAMuToBlJcQ=
vnDzQyHgGw_NqCniqMr-kdZUy9qVA2FWidpsNEnoTxlUFXPrpM3Ri4ZG6pL-YomIcCsTg5S3Wgi=
HIThMMxsTbIWc6cFzjtU00T3VYKxhSLC4BpvEe9OEI1Y74DQSMSLus8btkwAJ0wkl76OEiDcf-2=
-0DrsJZGYlZ3ppjwFlomMAIUVjZgUQ3EqHas8Laj" style=3D"display: inline-block; f=
ont-size: 16px; line-height: 24px; font-family: Graphik, Helvetica, Arial, =
sans-serif; font-weight: 500; color: #ffffff !important; text-decoration: n=
one !important; letter-spacing: 0.5px; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--=
[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Check Your Rate<!--[if mso]>&nbsp;&n=
bsp;&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              <!--/BUTT=
ON 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: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"le=
ft">It=E2=80=99s easy to check your rate =E2=80=94 <a alias=3D"get started"=
 href=3D"https://link.upgrade.com/f/a/Yi4sAcfJqPb8lubyweId7w~~/AAQRxRA~/UZj=
nTJhji7_aOHDltX_NbFlDezg7E3uIJH64r5P1gZk5Qj_pBK4gHxKhB5xTf1HMAl3ggbQcIdW19Z=
Vag-MUPuBMVjKWfQdWn3aQAZIia-wIh2ZS5AjPm3EQog8aW6nd8ZCNAJ3gc86efOkrBSZtKJ67W=
RDJPo5BvIclAl3aPGP5WxpEDJywylB1cOxqUmDRIjRxH80wnxbrlapGEkPDpEUSl8ChASMIYsH-=
7pgMckmqL3kNONfHx5n3aBwS6Ci_" style=3D"color: #4899C4 !important; display: =
inline-block; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">click here</a> to see how much you could sav=
e. When you check your rate, there is no obligation and no impact to your c=
redit score.</td>=0D=0A                </tr>=0D=0A              <tr>=0D=0A =
               <td style=3D"padding-top: 25px; font-family: Helvetica, Aria=
l, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%;" align=3D"left">Thanks,<br />=0D=0A                 The Upgrade Team</td=
>=0D=0A              </tr>=0D=0A              </tbody>=0D=0A              =
=0D=0A            </table></td>=0D=0A        </tr>=0D=0A        </tbody>=0D=
=0A        =0D=0A      </table>=0D=0A      =0D=0A      <!--/PRIMARY--> =0D=
=0A      =0D=0A      <!-- CONTACT MODULE STARTS HERE-->=0D=0A      =0D=0A  =
    <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width:=
 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: =
0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=
=3D"#F5F4F3">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td=
 style=3D"padding-top: 0px; font-family: Helvetica, Arial, sans-serif; font=
-size: 12px; line-height: 18px; color: #37383A; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"c=
enter"><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%; border-bottom-width: 1px; border-bottom-color:=
 #cccccc; border-bottom-style: solid; max-width: 600px; border-collapse: co=
llapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=
=0A    <td class=3D"mbl_text_cs" style=3D"padding-top: 25px; font-family: H=
elvetica, Arial, serif; font-size: 16px; line-height: 20px; color: #37383A;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;" align=3D"center">If you have questions, we're here to hel=
p.=0D=0A    </td>=0D=0A  </tr>=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_c=
s" style=3D"font-family: Helvetica, Arial, serif; font-size: 16px; line-hei=
ght: 20px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%; padding: 3px 3px 25px;" align=3D=
"center">=0D=0A      <a href=3D"mailto:support@upgrade.com" style=3D"font-f=
amily: Helvetica, Arial, serif; color: #4899C4 !important; text-decoration:=
 underline; vertical-align: middle; display: inline-block; mso-line-height-=
rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
>support@upgrade.com</a>=0D=0A    </td>=0D=0A  </tr>=0D=0A</table></td>=0D=
=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      =0D=
=0A      <!-- /CONTACT MODULE ENDS HERE--> =0D=0A      =0D=0A      <!--FOOT=
ER STARTS HERE-->=0D=0A      =0D=0A      <table border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-=
table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A=
          <tr>=0D=0A            <td align=3D"center" style=3D"mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%; padding: 20px 0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" style=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
100%;">=0D=0A                <tbody>=0D=0A                  <tr>=0D=0A     =
               <td style=3D"padding-top: 15px; font-family: Helvetica, Aria=
l, sans-serif; font-size: 12px; line-height: 18px; color: #37383A; mso-line=
-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust=
: 100%;" align=3D"left">Personal loans made through Upgrade feature Annual =
Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to=
 9.99% origination fee, which is deducted from the loan proceeds. Lowest ra=
tes require Autopay and paying off a portion of existing debt directly. Loa=
ns feature repayment terms of 24 to 84 months. For example, if you receive =
a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.9=
4% yearly interest rate and a 5% one-time origination fee), you would recei=
ve $9,500 in your account and would have a required monthly payment of $341=
.48. Over the life of the loan, your payments would total $12,293.46. The =
APR on your loan may be higher or lower and your loan offers may not have m=
ultiple term lengths available. Actual rate depends on credit score, credit=
 usage history, loan term, and other factors. Late payments or subsequent c=
harges and fees may increase the cost of your fixed rate loan. There is no =
fee or penalty for repaying a loan early. =0A  All loans, Personal Credit L=
ines, and checking and savings accounts are provided by Upgrade's <a href=
=3D"https://link.upgrade.com/f/a/vBOtifmxEJPy-35rOgJvqA~~/AAQRxRA~/JBdyumIv=
0dC0GzmlGBs3rklEAXi7EFpB2LN3q3WJ3dtU3hnLg6u_mTq20lf-FJhhXnnhDJox5nWOa--E7Kj=
spp-nhXqgTb4hdOXQzoQszn4AiBIVexTQ6Txcpee9j4n9" target=3D"_blank" style=3D"v=
ertical-align: top; color: #4899C4 !important; mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank partne=
rs</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"font-size: 1=
2px; line-height: 1; vertical-align: top;">=C2=AE</sup> Debit Cards are iss=
ued by Upgrade's <a href=3D"https://link.upgrade.com/f/a/vBOtifmxEJPy-35rOg=
JvqA~~/AAQRxRA~/JBdyumIv0dC0GzmlGBs3rklEAXi7EFpB2LN3q3WJ3dtU3hnLg6u_mTq20lf=
-FJhhXnnhDJox5nWOa--E7Kjspp-nhXqgTb4hdOXQzoQszn4AiBIVexTQ6Txcpee9j4n9" targ=
et=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !important; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;">bank partners</a>, pursuant to a license from Visa USA Inc. <b=
r />=0A<br />=0AUpgrade, Inc. (NMLS #1548935) holds the following <a href=
=3D"https://link.upgrade.com/f/a/vzIsr_05kjFazXFNZkR8Zw~~/AAQRxRA~/ULR8JZKe=
aC6LQamaM5BGwzs-PP44Yfcprptxdxn1sLKki6lV6bchpGlitgTYG8J5IlPpBkxSwVfVHw6uiip=
gquQxJ4FePg1EWa6aCf0KIfrhki6tqvA6AOw2R7SEBgrY7_JaWEEmxghEPK9CqlJSVV3uUTyjQT=
A2LaDGDFTyXI7lbe3f1ntUxWE3re20CM0veCpVOV9g5w6N7NAM9cJlbNT-i_4ftj3mkTDtVSIEp=
Cs~" 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%;">state licenses</a> and does business under the follow=
ing <a href=3D"https://link.upgrade.com/f/a/M76hXgatjup9fJUCj-arYQ~~/AAQRxR=
A~/qHc0HyudkVcJmrX1TIITwlLjUVG712j4VNVUePyBz5SvBrKC8N2G8_LTjNng3PmKGmaiOYo2=
c8eyVKgtSYYinR3Sjb1sZ0ZofD0_iTcC3kQJyAZ9TzlfNRKlPKj37qaJ" target=3D"_blank"=
 style=3D"vertical-align: top; color: #4899C4 !important; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=
DBAs</a>. <br />=0A<br />=0AUpgrade is a <a href=3D"https://link.upgrade.co=
m/f/a/E3r9x4S3frhgarRtamdghg~~/AAQRxRA~/wQsbj49ql_c9jJHJ4YcKkniRem5DyHakwqe=
rCsLvenQrGT1o7R59OesLHA81LnQ0jX0lQBAh7pVyEIkpr_m4WHmVVS_FGP8b039pxsUf360UUm=
C9foPiyi_BCE6bqLrJqV4yF4X9pTywt4r86ti3f5nD6AETFA6GvI-nUfeXbgiU-ujQKIXIjPN7O=
g3HMTPb" target=3D"_blank" style=3D"vertical-align: top; color: #4899C4 !im=
portant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%;">financial technology company, not a bank</a>.=0A=
=0A</td>=0D=0A                  </tr>=0D=0A                  <tr>=0D=0A    =
                <td style=3D"padding-top: 15px; font-family: Helvetica, Ari=
al, sans-serif; font-size: 12px; line-height: 18px; color: #37383A; mso-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;" align=3D"left">Accept your loan offer and your funds will be sent=
 to your bank or designated account within one (1) business day of clearing=
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ckly your bank processes the transaction. From the time of approval, funds =
sent directly to you should be available within one (1) business day. Funds=
 sent directly to pay off your creditors may take up to 2 weeks to clear, d=
epending on the creditor.</td>=0D=0A                  </tr>=0D=0A          =
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00%; padding: 20px 0px 0px;"><table class=3D"center" align=3D"center" borde=
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ace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddi=
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ZCeurBFSb23L9ONsyxAWLHaBo4dMtCyb4ZUtLbLVQ4IN7RSGj_dGkfzdtMcpmkvfnE3QMExGZPx=
7QbLxa_KuPL8OjHQ9-KYVbSGzQpM_LwfgO9QhuPMfLxcE1kJsI_0gccNXnW0_2TDQ1L7yk7pyyy=
ABPkdk2SpWFzwnaY7Gp71f5jUBfdM6eCBKy2rlN7_4c47McMxbbeYMRFMBDae7-cCqmxIHODAFA=
hlxWttyn8Ov0fYdBzccqwUKvOm9sz4U~" alias=3D"Preference" style=3D"font-family=
: Helvetica, Arial, sans-serif; font-size: 12px; color: #4899C4 !important;=
 text-decoration: underline; vertical-align: top; display: inline-block; ms=
o-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: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 1=
0px 0px 0px;" align=3D"center"><table border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;">=0D=0A            <tbody>=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: 0px;">=
<img src=3D"https://braze-images.com/appboy/communication/assets/image_asse=
ts/images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" alt=3D"Upgrad=
e" title=3D"Upgrade" border=3D"0" width=3D"120" height=3D"auto" style=3D"wi=
dth: 120px; height: auto; image-rendering: auto; outline: none; text-decora=
tion: none; -ms-interpolation-mode: bicubic; border-width: 0;" /></td>=0D=
=0A              </tr>=0D=0A            </tbody>=0D=0A          </table></t=
d>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-fa=
mily: 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"cent=
er">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; li=
ne-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%;=
 -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center"><=
span class=3D"goomoji">=C2=A9</span> 2025 Upgrade, Inc. All rights reserved=
. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"f=
ont-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; line-he=
ight: 16px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=
=3D"center"><a alias=3D"cta3_txt_privacy" href=3D"https://link.upgrade.com/=
f/a/cWdtdvx79Uw3PHyvAahhPA~~/AAQRxRA~/_wo4jGv8ACZ8R4nnuZ6jUvVkVYWkLgB6RCbyh=
QNtNsBBJuUqcwYKAtPKWtkVRD1ucrQgUYPY-QSbK3SshG5ELHWAhPKppQeoAZD5gv0sVmgmD0pv=
65XVNbGW3a4aBaVp" style=3D"font-family: Helvetica, 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"fo=
nt-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-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 10px 0px 0px;"><img src=3D"https://braze-images.com/appb=
oy/communication/assets/image_assets/images/62c712c2931f9e0069af31f2/origin=
al.png=3F1657213634" alt=3D"Equal Housing Lender" title=3D"Equal Housing Le=
nder" border=3D"0" style=3D"height: auto; outline: none; text-decoration: n=
one; -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 =
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ine-height: 18px; color: #ffffff; padding-top: 10px; mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=
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         </tbody>=0D=0A              </table></td>=0D=0A          </tr>=0D=
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