Return-Path: <msprvs1=201503vpl0D1p=bounces-266693-533@e.upgrade.com>
Delivered-To: info@sterlingcal.com
Received: from reseller401.webserversystems.com
	by reseller401.webserversystems.com with LMTP
	id 4FPkFIuovGd3Pw4AchKAPA
	(envelope-from <msprvs1=201503vpl0D1p=bounces-266693-533@e.upgrade.com>)
	for <info@sterlingcal.com>; Mon, 24 Feb 2025 11:12:43 -0600
Return-path: <msprvs1=201503vpl0D1p=bounces-266693-533@e.upgrade.com>
Envelope-to: info@sterlingcal.com
Delivery-date: Mon, 24 Feb 2025 11:12:43 -0600
Received: from bz1170.e.upgrade.com ([223.165.123.182]:20842)
	by reseller401.webserversystems.com with esmtps  (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256
	(Exim 4.96.2)
	(envelope-from <msprvs1=201503vpl0D1p=bounces-266693-533@e.upgrade.com>)
	id 1tmc0Y-003vFg-2O
	for info@sterlingcal.com;
	Mon, 24 Feb 2025 11:12:43 -0600
X-MSFBL: UiO1WE+1ZaDyRWEXShu0lNLHMwOvqwPiUjBaKvIHClE=|eyJjdXN0b21lcl9pZCI
	6IjI2NjY5MyIsInRlbmFudF9pZCI6InNwYyIsIm1lc3NhZ2VfaWQiOiI2N2I5N2Z
	hOGJjNjcxZTNmNTNmYSIsInN1YmFjY291bnRfaWQiOiI1MzMiLCJyIjoiaW5mb0B
	zdGVybGluZ2NhbC5jb20ifQ==
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com;
	s=scph0422; t=1740417151; i=@e.upgrade.com;
	bh=cP+Nv65S7b24Iylr1jrgcdr6PYIdAjgCJ0Gq9innnsQ=;
	h=From:Message-ID:List-Unsubscribe:Subject:List-Unsubscribe-Post:To:
	 Date:Content-Type:From:To:Cc:Subject;
	b=V19BTR2MqFx1gSLoTKbUYYU9N9XVK+lSA+NVoaKd+44l9cDJCiQLxG4kiHiNwLzWr
	 TtTI9pKOq37ioe/0ky9DBm8oCEU0Jdt8IasXIuNl+tuOltFKBwq90acBA2FARU4ZgR
	 IxZrrYHKFqoQlMrXC8V5h7emexAGkwUcBbJ1sGTo=
Received: from [10.90.45.241] ([10.90.45.241])
	by i-093eaa41beb1f5348.mta1vrest.sd.prd.sparkpost (ecelerity 4.8.0.74368 r(msys-ecelerity:tags/4.8.0.17)) with REST
	id AF/3D-25582-F78ACB76; Mon, 24 Feb 2025 17:12:31 +0000
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <AF.3D.25582.F78ACB76@i-093eaa41beb1f5348.mta1vrest.sd.prd.sparkpost>
List-Unsubscribe: <https://05.emailinboundprocessing.com/enc_user/list_unsubscribe?d=%241%24raomBhn4TtY40j98QB3e6Q%3D%3D%24dMDtbhfcftM2%2Bn%2FnXNfw3dg0G1cFcGKDdTXPTrf2mBe7jSs%2BflOAGm0tLNbf%0AQtTn%2Bch%2FHSpB0nmRAHHWuy6KXWhED7AB8DuQdvMmgIcyzpJbxODuXAf2iBZj%0ACoFhtQQVkNjMf3Waz31Zci3Kcsqls6QKCtAgMWv1fyAsnpMN%2F%2BfZLgVSftTC%0Ax44E%2BqtkOrTbo5ICzMSH663H3upCaYsLwmCA2V%2B3qtnkYXHu1xkCAHKATorR%0AK0tVaVYoNhlf5jtlfle6kCyAbypTk%2B3j8sA%2BtvdRNMkeF5D3gnWYEktJZwUd%0AOKNiE0lOxXsCniTp2VkOqvQNhsM9wvRjuqHcx0CCvkAEpFXwsfXXX%2BtTuGIo%0AYAGWIAboaKSojSc7hTJXl3PTNmaxjnPgzRQ2N5%2FYP80jjd6koyFJ9BvCeXP3%0AqnW8uiY%3D&1=1>,<mailto:4_ol74gen3b2hgqdcbl190nox377gdq2otmbxmfbvqd2mdl4a4f13uyn@unsubscribe-05.emailinboundprocessing.com?subject=Unsubscribe%20pnrcgsqcbcy4cgg7r1ou1whyg2uvtwz0muowa5nwovcfd&body=DO_NOT_DELETE-b7mlavliuzpzju29u9xn9zgardfn4sum1zcmwl8ypnousf3zvdml70vnv0syt8e0fe3pmikgfshont81xk2nh-DO_NOT_DELETE>
Subject: Andrew, here's your Monday loan invitation
List-Unsubscribe-Post: List-Unsubscribe=One-Click
To: info@sterlingcal.com
Date: Mon, 24 Feb 2025 17:12:31 +0000
Content-Type: multipart/alternative; boundary="_----tKdcOyksZZ/sAoKm48V4Bw===_B6/3D-25582-F78ACB76"
MIME-Version: 1.0
Reply-To: noreply.email@upgrade.com
X-Spam-Status: No, score=-3.3
X-Spam-Score: -32
X-Spam-Bar: ---
X-Spam-Flag: NO

--_----tKdcOyksZZ/sAoKm48V4Bw===_B6/3D-25582-F78ACB76
Content-Transfer-Encoding: quoted-printable
Content-Type: text/plain; charset="UTF-8"

=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0ASee if a fixed rate pe=
rsonal loan can help you save money. Check=0Ayour rate today.=0A=0Aupgrade_=
logo ( https://link.upgrade.com/f/a/_paaz6FN5quo94j2s0uGyA~~/AAQRxRA~/UBKLC=
YKw64MiGDNpDS-WIv4-dTvS9tlaxQgqtMu7FPfNvdm-7cV3wOgPjasCsCk1xvXWreOYXqmJPC6i=
jI9RdEqVzSCsCVbZPP797IJZKZ0~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A         =
            How much=0Acould you save=3F=0AHi,=0ADo you want to save money =
when repaying your high-interest debt=3F=0AA personal loan through Upgrade =
can help you consolidate your=0Adebt or pay off high-interest credit cards,=
 putting money back in=0Ayour pocket that you can use on the important thin=
gs.=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f/a/OKCz-x05=
_ImxS01iW_XRWg~~/AAQRxRA~/GSAmkG3U310O0k-fPaDWhmdbAj-lVmCcTvVH42pMVuojP2bII=
uu4JJYjwMUYxDS38OPZYUsFWgoRM23np8VQHpQJcHo4tEhptsQxWBX1oyJWk8P8L0zGzJ2ZM8mk=
G_Hk0gFTYdxmaIWE8aaJvA9I-9EmycdRrTr-x9ImoIR0sGWYMNXnbE6q9D3K6gYkOg57319hD8_=
-UG811NY74n2OkUUbkZ66OBPVWyW3FRdJ1bh4iROAm9SLlpnkxqyJXOF4=0A)     =0A   Wha=
t=E2=80=99s stopping you from=0Aseeing if you can save with a personal loan=
=3F It only takes a=0Amoment to get started (=0Ahttps://link.upgrade.com/f/=
a/2762ZvvRIHTKyDpzVctg1Q~~/AAQRxRA~/cO-oI-lZveAXouH9CTCcPFDCCNx5bWY1NkjXluy=
A-AjP6NOWq1PPRxRoXLAZy8AJWsadJDJMftQDwr5pnA9afYgWsz-yfTa8dFeOlsC3HHlqbol6lH=
zHTI4SfSnB4BJxdJKFRejwaVab07ABRMlPnQ~~=3Futm_source=3Ddecl_old&utm_medium=
=3Demail&utm_campaign=3Dsend01_a&utm_content=3Demail_link=0A). There is no =
obligation and no impact to your credit score.=0AThanks,=0AThe Upgrade Team=
              If you have questions, we're here=0Ato help.     support@upgr=
ade.com               Personal loans=0Amade through Upgrade feature Annual =
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. Lowes=
t=0Arates require Autopay and paying off a portion of existing debt=0Adirec=
tly. Loans feature repayment terms of 24 to 84 months. For=0Aexample, if yo=
u receive a $10,000 loan with a 36-month term and a=0A17.59% APR (which inc=
ludes a 13.94% yearly interest rate and a 5%=0Aone-time origination fee), y=
ou 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 would total=
 $12,293.46.=0AThe APR on your loan may be higher or lower and your loan of=
fers=0Amay not have multiple term lengths available. Actual rate depends=0A=
on credit score, credit usage history, loan term, and other=0Afactors. Late=
 payments or subsequent charges and fees may=0Aincrease the cost of your fi=
xed rate loan. There is no fee or=0Apenalty for repaying a loan early.=0A A=
ll loans, Personal Credit=0ALines, and checking and savings accounts are pr=
ovided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/yFm6ACnh=
ETx3poz1--C95g~~/AAQRxRA~/o0q9mdWCr23CTghABfZmEK-xjtkqaStzGkk9JGe9gXGBZqB8B=
CuAXjp_ZXPiO9Bn76qV263PS6aOQDbVKZKoaIvGoly9Kyzbsb1JUGaQxbruL6HJWQkXIR3yQEcn=
A2ii ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are is=
sued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f/a/yFm6ACn=
hETx3poz1--C95g~~/AAQRxRA~/o0q9mdWCr23CTghABfZmEK-xjtkqaStzGkk9JGe9gXGBZqB8=
BCuAXjp_ZXPiO9Bn76qV263PS6aOQDbVKZKoaIvGoly9Kyzbsb1JUGaQxbruL6HJWQkXIR3yQEc=
nA2ii ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NML=
S #1548935) holds the following state licenses=0A=0A( https://link.upgrade.=
com/f/a/n_iDlSl6aSzrZwYw9jBe7g~~/AAQRxRA~/SLFoaT1LTytIELLmRaa57KhJad1svupey=
xx6Bb3ImLu3H6oJgkrCWdwUaVFuqh3Md4dk1fn7aumNHhqWYzFOeMSFyjG64-pcn5ngyTjx3CAq=
o0mH58-_sC7gvuNTohlC8jTKwSY-gSVhNzb0sfZQga8qAT1-iLUon_KqYkmuYeJomj4FEKJ7ZAu=
J9swLYi1OsvkGUulhxelLASPSpaJTxCnwgZG-KsXx7zX6pbK9XQ8~ )=0A and does busines=
s under the following DBAs =0A( https://link.upgrade.com/f/a/qwQP0cCJglvRa_=
eT5Iucaw~~/AAQRxRA~/eDmemEXufCPvUdnwzs65AubeM1F8ByvpDpVizyY1MHqhN_nswi5x-f4=
4_iPWy9mgTStvuCBYogcu3fAyID_sTutCqtnWnlvuCVsxVs5JbfA4MbMmL9r4aODRq8nHWu5m )=
.=0A=0AUpgrade is a financial technology company, not a bank =0A( https://=
link.upgrade.com/f/a/DmZ40GPK66uDzOUNkcONsQ~~/AAQRxRA~/nESC_k4bW5AN9itZ8JVS=
zyIdRtlb45khklpnT9L8a1-rka2S_FW5tRthkXSV8MHzhEc6GLcry9imCyWE6tyn22DcNdbQehK=
f-zX7kZYAHtbA4NwztC_kvzlirJdQovvFmWI7fS5_ikTpMUWU2Pjy0o3cy7icXwJYCkY8Jl0Z6x=
yLYQRqTN91fTBIQbE0nToz )=0A. =0A   Your actual minimum payment,=0Apayoff ti=
me and payoff cost of a credit card will depend on your=0Aaccount terms and=
 any future account activity. For example, if=0Ayou have $9,500 in credit c=
ard debt with 20% APR, and make=0Aminimum monthly payments of 1% of the out=
standing balance plus=0Anew interest, you will pay $15,223 in finance charg=
es over 341=0Amonths. With a $10,000 loan with a 36-month term, 18.66% APR,=
 and=0A5% origination fee, you will pay $2,978 in finance charges.=0A=0Afac=
ebook =0A( https://link.upgrade.com/f/a/QYg0jmvJmrLyFvPG6dAi0Q~~/AAQRxRA~/Y=
zNj8uILAS7py2CyaRaifdpCYWe82zvcM1Nq0Tu7l273HaYPUdRx4Fo5GMxNzWtnBBC18Ymb80oQ=
zv5RiAqOuqzJ1raIUWWjW2j3CIizbw49AZYx18uythu8dYp9-TgnxkfK0qYbq0rsDCiEPFILZqK=
bhY-OGj5WxXlvqc8MRpKmBag-iwjzdBdLKnuE-q5dNzmToSAj8zDyetuGv90oim90JOKN0wIB0f=
L1slWokBfvRQx5rBa0W62ukK7xavi3 )=0A=0Ainstagram =0A( https://link.upgrade.c=
om/f/a/OjZpwfEdxf3QxqxgQp8GFg~~/AAQRxRA~/YzNj8uILAS7py2CyaRaifWzSGom2kBfhzd=
mrXAlfS_9myQ1hVHt6hCSP_CUHHAyAAujQbmq-6jhKKTX3GPYdahDsx52X7btEtf5WflKuUuWTL=
lxgzi8AoeAUfQPWMDPqNkys2KSURYUNe2OD-D6Dw7AQQ1nrmuPKtBYPgb62jAxARNUGyKxemIJ8=
JS8r0Y0h5Fkux-0SzNDnOnJ_i6e1ZZ9AAqgfFeHvpuelcObKCRHtxyU2S3pBkDj71WYII1Cv )=
=0A=0Ablog =0A( https://link.upgrade.com/f/a/3IgWchDnzJAHO4BHgMUosA~~/AAQRx=
RA~/83XRZQVTn2hTuMKy5WpM-Wp26V4RIvpeqA4eJUvalinA17d89jOwbDB4xuSLHiNZjnsbpZa=
NnatuR-E5OVSxEhRux_2MlrgzVY6eyF50Q5S2MNVAE8gSDTaR4PHTFzeBdaCt4H7PGWF3sp9eFs=
6e-oSc-Jt-ulGwttJMouS11JFLZBk9X8bqNL8rIx-KTEnR32yatPN3sw9taLVYNvF0AuFKeDzcZ=
zRdd7zkM_X05xS8jZJArb5q3VJbydG8FYFz )=0A       Please do not reply directly=
 to this message as it was=0Asent from an unattended mailbox.    This email=
 contains=0Aadvertising content and was sent to=0Ainfo@sterlingcal.com ( # =
) based on your=0Acommunication preferences.    No longer want to receive t=
hese=0Aemails=3F Unsubscribe ( https://link.upgrade.com/f/a/z6JLXULvhZHMSAm=
Rwjbk9Q~~/AAQRxRA~/fqNuggLKaUyqZWkaqbhE8R2m9crM6wXyKZ_l8qsjoZq6oMPWzgwiSreu=
poTwDIGEYRFvbDh-o1iof0zSPXVfHAnSvXQ7Xh4rdiOMDKAGTgVGkhvo5sViL0OSMB3qF1fZtDq=
YqTPADdyYHwjKL5D455dcIWB6KNocsBuDzYSY8l0zgTa4gN-quPfQOD4g8rirLZ2F1m-nwHuQFV=
udyIZveNiz0bs-I_23PbYEZfo1lkRa0cdp5lTeE7Hj9v4-6mndnM45nxh_Fe9xcuZ7XE4GUJM2e=
nNR03nn9B1_080R5SjZZOU9FuxwAr9uoUJ4h1dphX63qYC13XTQkFHzZeXAjJNW4dqV5hTRTQLv=
Zvx5pJ3o_MQOT86wJz8SPdYfBWHPXZSLbPiF5l5XtYxOwgrus71XV-k1SHWqoVoDHs6xqhdjDz-=
noRV4mNUOeRDDSOzT_jKgkXBciQjhNLHbpx0lGKs3EvmywLRcA_Y1fjLGeDlh9K3zPwdhmbRMI4=
n9DGDPJeAfY5v7swVWdtnQybZx5Yr7SDZ61gh0_f5Kg7qSdt4wTrYsHltGLhO-hZlRhyZS6CiRr=
_fX0A-E21IREpgJxI5rLztXKjCwxnigCyDG5-DERpXiVM5iXsEd3g28qdUQ5hqpF9TjRZvK6BQw=
2iTIhjiq0JBj0a1mwaBaeL_jLhfK8tBGOAqw4hsB940_yDsLA0DvYdbo3Ltx_LCkj538xrCyI8p=
clEZOG6C5mfaW8aGJoWlX5BSRSGKTcBUkgZDMGT0ObPJ8kWradn4wa7trSQ~~ ) or=0AUpdate=
 Preferences ( https://link.upgrade.com/f/a/J2sqPhgO7Sf-ibiDLVA23Q~~/AAQRxR=
A~/D3oCvNNxlYJQ2bKBmCGz0SPNjKgr-MiHOL8JbCWSCn872hSJYUxGTRlBB1MplK453PTp5NGQ=
uJnjUqRut8X7X7xN6i3mQOrReMYl5BYenfSokHYjsouzAgqSlvH8wDDHFzPgQ6NwcYz7jrI-giV=
Vt9SWgM8q3AOReGsjK5iyP8-MAad-9jMXW7RaPoM5WhRoK7cNsVXdJYozAfhwzp376PCfuVFbAi=
eNcFm9G-zAjWOarQ6pvFDeJKFa4eISEZ3DGbVAJagsgU316JchQG1kq6NngJMac74H_j7XicOWB=
lSUyDR_5gpJnRNBpYqjnWNgI4m8eo_KDkRRVcoXhwU0Uvq7JSJbRxLUy7cEJHxrpoEBTPCKtleO=
d_wySiUGwvyIt2ace3klOTDspvBkn7rs-6uJ-6qVXNDxzf2DbuPSGflBbJ784LyvLEygLO6_7yq=
U0CblVrtADeH16nBcPiGiT9sTcXXah7H3bsz0jzEpA4dhHNoskrZQOPz1jLohQ1hix1Ts5Wz-_S=
2Zm9hAhKlon6iJ9xihu86J4SxOJ48JGuxmXGi-Obykru-eyUPv-8vJDfDO-6Gw9WPqcXebuQFpn=
f--eQHdnAuxKKInkX6s2ufAUaEECxGMcUXd2kv5z3fMKyxBBISGSf5F9NGqOZ6CUHazgSUe752E=
1-x3rlZONBszHgSrykieWjearKjh315xnjiwvAwSqxhFoubd0MCXC2voSz_dNzAct2EmjVY2-XV=
f_TYTM3rQqbPS4KOoOZFAHnhA3E2PA-8AYFBHWDYSk0tanzNVYkrmgNa-yfjexAcinzQ07_1Tjx=
72sHheWsVr-z9OvkhAlK3FAzChWPLzTI-O9jKd8QQ33MrDxejNAIyd8vi2kM91OAaLj3ieuFdXP=
bXWgJ-kgwr34V2pz8d5Xisnw7B5gJ-UO2b9rD6GNXhtNq4qkQxQi3CbzAPcZK00fq9nqkUsNXOm=
RrUmn1P-IlKHRBpjv2G690u2BNadoNh_sOW276xOAFMj8p_GkX_oSl2c8kSWpQ7TbNsZpPy3rGR=
Y5RUtrGpxma8fCCXBca2qLsTJaCjhLHpzBOJCrKW5jqy4osTQErkHUUnBw3mQ6dLCI7lx3hN8bJ=
8l_H7eJUs~ )=0AUpgrade      Upgrade is located at 275 Battery Street, 23rd=
=0AFloor, San Francisco, CA, 94111=0A=C2=A9 2025 Upgrade, Inc. All rights=
=0Areserved.=0APrivacy Policy ( https://link.upgrade.com/f/a/RGDqdhsq5Ptg-C=
iFc2h4qw~~/AAQRxRA~/Wii6pLf_fcjqEXHXLOe2ddTyAhGtC2_zS6k4w_eKN6fqoaADE9xuF09=
-6A_3q63YnTusvNH93rN4p0tLTRmg7RoMsjSfpA_vuc2WDM8u-wndqyAvh1-PnqU2CycByLc_ )=
=0A=0A   Equal Housing Lender=0A        PL_ITA_DECL_OLD_S1
--_----tKdcOyksZZ/sAoKm48V4Bw===_B6/3D-25582-F78ACB76
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="UTF-8"

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.=
w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">=0A<html xmlns=3D"http://www.=
w3.org/1999/xhtml">=0A  <head>=0A    <meta http-equiv=3D"Content-Type" cont=
ent=3D"text/html; charset=3DUTF-8" />=0A    <style>img {=0Aborder: 0; heigh=
t: auto; outline: none; text-decoration: none;=0A}=0Abody {=0Aheight: 100% =
!important; margin: 0 auto !important; padding: 0; width: 100% !important;=
=0A}=0A.cta_table:hover {=0Abackground-color: #0A4007 !important;=0A}=0A.ct=
a_table a:hover {=0Acolor: #ffffff !important;=0A}=0A.cta_table2:hover {=0A=
background-color: #E9F4E7 !important;=0A}=0A.cta_table2 a:hover {=0Acolor: =
#0E680E !important;=0A}=0Aa:hover {=0Acolor: #1F63D2 !important;=0A}=0Aimg =
{=0A-ms-interpolation-mode: bicubic;=0A}=0A.ReadMsgBody {=0Awidth: 100%;=0A=
}=0A.ExternalClass {=0Awidth: 100%;=0A}=0Abody {=0A-ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;=0A}=0A.ExternalClass {=0Aline-height: 1=
00%;=0A}=0A@media screen and (max-width:480px) {=0A  .mblHde {=0A    displa=
y: none !important;=0A  }=0A  .w100 {=0A    width: 100% !important; max-wid=
th: 100% !important;=0A  }=0A  .w100b {=0A    width: 50% !important;=0A  }=
=0A  .w95 {=0A    width: 95% !important; max-width: 95% !important;=0A  }=
=0A  .w85 {=0A    width: 85% !important; max-width: 85% !important;=0A  }=
=0A  .w80 {=0A    width: 80% !important; max-width: 80% !important;=0A  }=
=0A  .w35 {=0A    width: 35% !important; max-width: 35% !important;=0A  }=
=0A  .pdRmRgt {=0A    padding-right: 0 !important;=0A  }=0A  .pdRmAll {=0A =
   padding-top: 0 !important; padding-right: 0 !important; padding-bottom: =
0 !important; padding-left: 0 !important;=0A  }=0A  .mblPdLR {=0A    paddin=
g-left: 20px !important; padding-right: 20px !important;=0A  }=0A  .mblCntr=
 {=0A    margin: 0 auto !important;=0A  }=0A  .mbl {=0A    display: block !=
important; max-height: none !important;=0A  }=0A}=0A@media screen and (max-=
width:410px) {=0A  .mblLft {=0A    text-align: left !important;=0A  }=0A  .=
w100b {=0A    width: 100% !important;=0A  }=0A  .mbl_txt_link {=0A    font-=
size: 12px !important;=0A  }=0A  .mbl_text_cs {=0A    font-size: 14px !impo=
rtant;=0A  }=0A}=0A@media screen and (max-width:375px) {=0A  .mbl_txt_link =
{=0A    font-size: 12px !important; display: none !important;=0A  }=0A  .ct=
a_table {=0A    width: 90% !important;=0A  }=0A}=0A@media screen and (max-w=
idth:325px) {=0A  .mbl_txt_link {=0A    font-size: 10px !important; display=
: none !important;=0A  }=0A}=0A</style>=0A  </head>=0A  <body style=3D"heig=
ht: 100% !important; width: 100% !important; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; margin: 0 auto; padding: 0;"><span style=3D"f=
ont-size: 0px !important; line-height: 0px !important;">=0D=0A=0D=0A=0D=0A=
=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A</s=
pan>=0D=0A=0D=0A=0D=0A<meta http-equiv=3D"Content-Type" content=3D"text/htm=
l; charset=3Dutf-8" />=0D=0A<meta name=3D"viewport" content=3D"width=3Ddevi=
ce-width, initial-scale=3D1.0" />=0D=0A<!--[if !mso]><!-->=0D=0A<meta http-=
equiv=3D"X-UA-Compatible" content=3D"IE=3Dedge" />=0D=0A<!--<![endif]-->=0D=
=0A<title>Upgrade</title>=0D=0A=0D=0A<!--[if gte mso 9]><xml>=0D=0A  <o:Off=
iceDocumentSettings>=0D=0A  <o:AllowPNG/>=0D=0A  <o:PixelsPerInch>96</o:Pix=
elsPerInch>=0D=0A  </o:OfficeDocumentSettings>=0D=0A  </xml><![endif]-->=0D=
=0A=0D=0A=0D=0A=0D=0A<!--PREHEADER STARTS HERE-->=0D=0A<table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: =
collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0D=0A  <tbody>=0D=0A    <tr>=0D=
=0A      <td style=3D"font-family: Helvetica, Arial, sans-serif; font-size:=
 1px; line-height: 1px; color: #f5f5f5; max-height: 0px; max-width: 0px; op=
acity: 0; overflow: hidden; display: none; mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">=
See if a fixed rate personal loan can help you save money. Check your rate =
today.</td>=0D=0A    </tr>=0D=0A  </tbody>=0D=0A</table>=0D=0A<!--/PREHEADE=
R ENDS HERE--> =0D=0A<!--ALL CONTENT STARTS HERE--> =0D=0A<!--HEADER STARTS=
 HERE-->=0D=0A<table align=3D"center" border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" class=3D"mbl" style=3D"width: 100%; min-width: 100% !important;=
 border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#f5f=
5f5">=0D=0A  <tbody>=0D=0A  =0D=0A  <tr>=0D=0A    <td style=3D"font-size: 0=
; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%;">&nbsp;</td>=0D=0A    <td align=3D"center" style=3D"width=
: 600px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%;" valign=3D"top"><table border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; min-width: =
90% !important; border-collapse: collapse; mso-table-lspace: 0pt; mso-table=
-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=
=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td align=3D"cen=
ter" valign=3D"top" style=3D"mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;"><table border=3D"0" cellpaddi=
ng=3D"0" cellspacing=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"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" 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%;">=0D=0A                        <tbody>=0D=0A    =
                      <tr>=0D=0A                            <td align=3D"le=
ft" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"mblHeader" style=3D"width: 100%; max-width: 600px; bord=
er-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 90% !impor=
tant;">=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: 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/_paaz6FN5quo94j2s0uGyA~~/AAQRxRA~/UBKL=
CYKw64MiGDNpDS-WIv4-dTvS9tlaxQgqtMu7FPfNvdm-7cV3wOgPjasCsCk1xvXWreOYXqmJPC6=
ijI9RdEqVzSCsCVbZPP797IJZKZ0~" 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_send01_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">How much could you save=3F</td>=0D=0A          =
      </tr>=0D=0A                <tr>=0D=0A                  <td style=3D"p=
adding-top: 15px; font-family: Helvetica, Arial, serif; font-size: 16px; li=
ne-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left"><span styl=
e=3D"font-size: 0px; line-height: 1;"></span>Hi,</td>=0D=0A                =
</tr>=0D=0A                <tr>=0D=0A                  <td style=3D"font-fa=
mily: 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">Do you want =
to save money when repaying your high-interest debt=3F</td>=0D=0A          =
      </tr>=0D=0A                <tr>=0D=0A                  <td style=3D"f=
ont-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; co=
lor: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; padding: 15px 0px 20px;" align=3D"left">A per=
sonal loan through Upgrade can help you consolidate your debt or pay off hi=
gh-interest credit cards, putting money back in your pocket that you can us=
e on the important things.</td>=0D=0A                </tr>=0D=0A           =
                     =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" align=3D"c=
enter" width=3D"515" style=3D"font-family: Graphik, Helvetica, Arial, serif=
; font-size: 16px; line-height: 24px; color: #ffffff !important; mso-line-h=
eight-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" cellpadding=3D"0" cellspacing=3D"0=
" style=3D"width: 275px; border-collapse: separate; -webkit-border-radius: =
8px; -moz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0pt; ms=
o-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
100%; border: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=
=0D=0A              <td height=3D"45" style=3D"height: 40px; color: #ffffff=
; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Check You=
r Rate" href=3D"https://link.upgrade.com/f/a/OKCz-x05_ImxS01iW_XRWg~~/AAQRx=
RA~/GSAmkG3U310O0k-fPaDWhmdbAj-lVmCcTvVH42pMVuojP2bIIuu4JJYjwMUYxDS38OPZYUs=
FWgoRM23np8VQHpQJcHo4tEhptsQxWBX1oyJWk8P8L0zGzJ2ZM8mkG_Hk0gFTYdxmaIWE8aaJvA=
9I-9EmycdRrTr-x9ImoIR0sGWYMNXnbE6q9D3K6gYkOg57319hD8_-UG811NY74n2OkUUbkZ66O=
BPVWyW3FRdJ1bh4iROAm9SLlpnkxqyJXOF4" style=3D"display: inline-block; font-s=
ize: 16px; line-height: 24px; font-family: Graphik, Helvetica, Arial, sans-=
serif; font-weight: 500; color: #ffffff !important; text-decoration: none !=
important; letter-spacing: 0.5px; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--[if m=
so]>&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 EN=
DS HERE-->=0D=0A=0D=0A=0D=0A              <tr>=0D=0A                  <td s=
tyle=3D"padding-top: 25px; font-family: Helvetica, Arial, serif; font-size:=
 16px; line-height: 22px; color: #37383A; mso-line-height-rule: exactly; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">W=
hat=E2=80=99s stopping you from seeing if you can save with a personal loan=
=3F It only takes a moment to <a alias=3D"get started" href=3D"https://link=
.upgrade.com/f/a/0Z-Q992C5dO90W3YBPIpTQ~~/AAQRxRA~/I6qwNYw0TEzsy133L0KZ49K=
T9Wjx3hw0qLVC3g0ztMmAQxL73Ty-ZGg2N07iMKMC-9_JHiPmD_5A6xE4G56UPvBRfsU3aN7hYz=
RBvEET6NkHPpGT0Z_IOrLpnRg057NneidycUZbIBpj9L5mwrdB8nxWoqjmj1-WHhSOFsLflGUW8=
NNOxKzZf_Mn7u7hnmIaNBYJoegA-oxXk-hpbV8AmPz7TpcLtAnrp4QuuM-CX_ym1cIRF1Rc_em2=
ubfqYniA" style=3D"color: #4899C4 !important; display: inline-block; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">get started</a>. There is no obligation and no impact to your cr=
edit score.</td>=0D=0A                </tr>=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-heigh=
t-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/yFm6ACnhETx3poz1--C95g~~/AAQRxRA~/o0q9mdWC=
r23CTghABfZmEK-xjtkqaStzGkk9JGe9gXGBZqB8BCuAXjp_ZXPiO9Bn76qV263PS6aOQDbVKZK=
oaIvGoly9Kyzbsb1JUGaQxbruL6HJWQkXIR3yQEcnA2ii" 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/yFm6ACnhETx3poz1--=
C95g~~/AAQRxRA~/o0q9mdWCr23CTghABfZmEK-xjtkqaStzGkk9JGe9gXGBZqB8BCuAXjp_ZXP=
iO9Bn76qV263PS6aOQDbVKZKoaIvGoly9Kyzbsb1JUGaQxbruL6HJWQkXIR3yQEcnA2ii" 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/n_iDlSl6aSzrZwYw9jBe7g~~/AAQRxRA~/SLFoaT1L=
TytIELLmRaa57KhJad1svupeyxx6Bb3ImLu3H6oJgkrCWdwUaVFuqh3Md4dk1fn7aumNHhqWYzF=
OeMSFyjG64-pcn5ngyTjx3CAqo0mH58-_sC7gvuNTohlC8jTKwSY-gSVhNzb0sfZQga8qAT1-iL=
Uon_KqYkmuYeJomj4FEKJ7ZAuJ9swLYi1OsvkGUulhxelLASPSpaJTxCnwgZG-KsXx7zX6pbK9X=
Q8~" 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/qwQP0cCJglvRa_eT5Iucaw~~/AAQRxR=
A~/eDmemEXufCPvUdnwzs65AubeM1F8ByvpDpVizyY1MHqhN_nswi5x-f44_iPWy9mgTStvuCBY=
ogcu3fAyID_sTutCqtnWnlvuCVsxVs5JbfA4MbMmL9r4aODRq8nHWu5m" 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/DmZ40GPK66uDzOUNkcONsQ~~/AAQRxRA~/nESC_k4bW5AN9itZ8JVSzyIdRtlb45khklp=
nT9L8a1-rka2S_FW5tRthkXSV8MHzhEc6GLcry9imCyWE6tyn22DcNdbQehKf-zX7kZYAHtbA4N=
wztC_kvzlirJdQovvFmWI7fS5_ikTpMUWU2Pjy0o3cy7icXwJYCkY8Jl0Z6xyLYQRqTN91fTBIQ=
bE0nToz" 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">Your actual minimum payment, payoff time and payof=
f cost of a credit card will depend on your account terms and any future ac=
count activity. For example, if you have $9,500 in credit card debt with 20=
% APR, and make minimum monthly payments of 1% of the outstanding balance p=
lus new interest, you will pay $15,223 in finance charges over 341 months. =
With a $10,000 loan with a 36-month term, 18.66% APR, and 5% origination fe=
e, you will pay $2,978 in finance charges.</td>=0D=0A                  </tr=
>=0D=0A                  <tr>=0D=0A                    <td style=3D"padding=
-top: 15px; font-family: Helvetica, Arial, sans-serif; font-size: 12px; lin=
e-height: 18px; color: #37383A; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left"><table alig=
n=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"widt=
h: 100%; max-width: 600px; border-collapse: collapse; mso-table-lspace: 0pt=
; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">=0D=0A  <tr>=0D=0A    <td align=3D"center" style=3D"mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%; padding: 10px 0px 0px;"><table border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" style=3D"width: 100%; border-top-width: 1px; border-top-color: #ce=
cece; 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 0px 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: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; padding: 0px;">=0D=0A              <tbody>=0D=0A               =
 <tr>=0D=0A                  <td align=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%; padding: 0px;"><a href=3D"https://link.up=
grade.com/f/a/QYg0jmvJmrLyFvPG6dAi0Q~~/AAQRxRA~/YzNj8uILAS7py2CyaRaifdpCYWe=
82zvcM1Nq0Tu7l273HaYPUdRx4Fo5GMxNzWtnBBC18Ymb80oQzv5RiAqOuqzJ1raIUWWjW2j3CI=
izbw49AZYx18uythu8dYp9-TgnxkfK0qYbq0rsDCiEPFILZqKbhY-OGj5WxXlvqc8MRpKmBag-i=
wjzdBdLKnuE-q5dNzmToSAj8zDyetuGv90oim90JOKN0wIB0fL1slWokBfvRQx5rBa0W62ukK7x=
avi3" target=3D"_blank" alias=3D"facebook" style=3D"color: #4899C4 !importa=
nt; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/communicat=
ion/assets/image_assets/images/65fb645920ede0004c647b15/original.png=3F1710=
974041" border=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" heigh=
t=3D"auto" style=3D"text-align: center; width: 24px; height: auto; outline:=
 none; text-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px=
; border-width: 0;" /></a>=0D=0A                  </td>=0D=0A              =
    <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-=
height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust:=
 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/OjZpwfEdxf3Qx=
qxgQp8GFg~~/AAQRxRA~/YzNj8uILAS7py2CyaRaifWzSGom2kBfhzdmrXAlfS_9myQ1hVHt6hC=
SP_CUHHAyAAujQbmq-6jhKKTX3GPYdahDsx52X7btEtf5WflKuUuWTLlxgzi8AoeAUfQPWMDPqN=
kys2KSURYUNe2OD-D6Dw7AQQ1nrmuPKtBYPgb62jAxARNUGyKxemIJ8JS8r0Y0h5Fkux-0SzNDn=
OnJ_i6e1ZZ9AAqgfFeHvpuelcObKCRHtxyU2S3pBkDj71WYII1Cv" target=3D"_blank" ali=
as=3D"instagram" 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/im=
ages/65fb64594f39dd004c62621d/original.png=3F1710974041" border=3D"0" alt=
=3D"instagram" title=3D"instagram" width=3D"24" height=3D"auto" style=3D"te=
xt-align: center; width: 24px; height: auto; outline: none; text-decoration=
: none; -ms-interpolation-mode: bicubic; padding: 0px; border-width: 0;" />=
</a>=0D=0A                  </td>=0D=0A                  <td align=3D"cente=
r" valign=3D"middle" 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"https://link.upgrade.com/f/a/3IgWchDnzJAHO4BHgMUosA~~/AAQRxRA~/8=
3XRZQVTn2hTuMKy5WpM-Wp26V4RIvpeqA4eJUvalinA17d89jOwbDB4xuSLHiNZjnsbpZaNnatu=
R-E5OVSxEhRux_2MlrgzVY6eyF50Q5S2MNVAE8gSDTaR4PHTFzeBdaCt4H7PGWF3sp9eFs6e-oS=
c-Jt-ulGwttJMouS11JFLZBk9X8bqNL8rIx-KTEnR32yatPN3sw9taLVYNvF0AuFKeDzcZzRdd7=
zkM_X05xS8jZJArb5q3VJbydG8FYFz" target=3D"_blank" alias=3D"blog" style=3D"c=
olor: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze-images=
.com/appboy/communication/assets/image_assets/images/65fb6459172062004de47=
b44/original.png=3F1710974041" border=3D"0" alt=3D"blog" title=3D"blog" wid=
th=3D"47" height=3D"auto" style=3D"text-align: center; width: 47px; height:=
 auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubi=
c; padding: 0px; border-width: 0;" /></a>=0D=0A                  </td>=0D=
=0A                </tr>=0D=0A              </tbody>=0D=0A            </tab=
le></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; font-weight: 500; mso-line-height-rule: exactly; -ms-text-size-=
adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=
=3D"center">Please do not reply directly to this message as it was sent fro=
m an unattended mailbox. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A  =
        <td style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; fo=
nt-size: 12px; line-height: 16px; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" a=
lign=3D"center">This email contains advertising content and was sent to <a =
href=3D"#" class=3D"disabled-link" style=3D"font-family: Helvetica, Arial, =
sans-serif; font-size: 12px; color: #4899C4 !important; text-decoration: no=
ne; cursor: none !important; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;" alias=3D"user_email">info@ste=
rlingcal.com</a> based on your communication preferences. </td>=0D=0A      =
  </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-family: Graphik,=
 Helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px; color: #=
424242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%; padding: 10px 0 0;" align=3D"center">No longer want=
 to receive these emails=3F <a href=3D"https://link.upgrade.com/f/a/z6JLXUL=
vhZHMSAmRwjbk9Q~~/AAQRxRA~/fqNuggLKaUyqZWkaqbhE8R2m9crM6wXyKZ_l8qsjoZq6oMPW=
zgwiSreupoTwDIGEYRFvbDh-o1iof0zSPXVfHAnSvXQ7Xh4rdiOMDKAGTgVGkhvo5sViL0OSMB3=
qF1fZtDqYqTPADdyYHwjKL5D455dcIWB6KNocsBuDzYSY8l0zgTa4gN-quPfQOD4g8rirLZ2F1m=
-nwHuQFVudyIZveNiz0bs-I_23PbYEZfo1lkRa0cdp5lTeE7Hj9v4-6mndnM45nxh_Fe9xcuZ7X=
E4GUJM2enNR03nn9B1_080R5SjZZOU9FuxwAr9uoUJ4h1dphX63qYC13XTQkFHzZeXAjJNW4dqV=
5hTRTQLvZvx5pJ3o_MQOT86wJz8SPdYfBWHPXZSLbPiF5l5XtYxOwgrus71XV-k1SHWqoVoDHs6=
xqhdjDz-noRV4mNUOeRDDSOzT_jKgkXBciQjhNLHbpx0lGKs3EvmywLRcA_Y1fjLGeDlh9K3zPw=
dhmbRMI4n9DGDPJeAfY5v7swVWdtnQybZx5Yr7SDZ61gh0_f5Kg7qSdt4wTrYsHltGLhO-hZlRh=
yZS6CiRr_fX0A-E21IREpgJxI5rLztXKjCwxnigCyDG5-DERpXiVM5iXsEd3g28qdUQ5hqpF9Tj=
RZvK6BQw2iTIhjiq0JBj0a1mwaBaeL_jLhfK8tBGOAqw4hsB940_yDsLA0DvYdbo3Ltx_LCkj53=
8xrCyI8pclEZOG6C5mfaW8aGJoWlX5BSRSGKTcBUkgZDMGT0ObPJ8kWradn4wa7trSQ~~" alia=
s=3D"Unsubscribe" style=3D"font-family: Helvetica, Arial, sans-serif; font-=
size: 12px; color: #4899C4 !important; text-decoration: underline; vertical=
-align: top; display: inline-block; mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Unsubscribe</a> or <a =
href=3D"https://link.upgrade.com/f/a/J2sqPhgO7Sf-ibiDLVA23Q~~/AAQRxRA~/D3oC=
vNNxlYJQ2bKBmCGz0SPNjKgr-MiHOL8JbCWSCn872hSJYUxGTRlBB1MplK453PTp5NGQuJnjUqR=
ut8X7X7xN6i3mQOrReMYl5BYenfSokHYjsouzAgqSlvH8wDDHFzPgQ6NwcYz7jrI-giVVt9SWgM=
8q3AOReGsjK5iyP8-MAad-9jMXW7RaPoM5WhRoK7cNsVXdJYozAfhwzp376PCfuVFbAieNcFm9G=
-zAjWOarQ6pvFDeJKFa4eISEZ3DGbVAJagsgU316JchQG1kq6NngJMac74H_j7XicOWBlSUyDR_=
5gpJnRNBpYqjnWNgI4m8eo_KDkRRVcoXhwU0Uvq7JSJbRxLUy7cEJHxrpoEBTPCKtleOd_wySiU=
GwvyIt2ace3klOTDspvBkn7rs-6uJ-6qVXNDxzf2DbuPSGflBbJ784LyvLEygLO6_7yqU0CblVr=
tADeH16nBcPiGiT9sTcXXah7H3bsz0jzEpA4dhHNoskrZQOPz1jLohQ1hix1Ts5Wz-_S2Zm9hAh=
Klon6iJ9xihu86J4SxOJ48JGuxmXGi-Obykru-eyUPv-8vJDfDO-6Gw9WPqcXebuQFpnf--eQHd=
nAuxKKInkX6s2ufAUaEECxGMcUXd2kv5z3fMKyxBBISGSf5F9NGqOZ6CUHazgSUe752E1-x3rlZ=
ONBszHgSrykieWjearKjh315xnjiwvAwSqxhFoubd0MCXC2voSz_dNzAct2EmjVY2-XVf_TYTM3=
rQqbPS4KOoOZFAHnhA3E2PA-8AYFBHWDYSk0tanzNVYkrmgNa-yfjexAcinzQ07_1Tjx72sHheW=
sVr-z9OvkhAlK3FAzChWPLzTI-O9jKd8QQ33MrDxejNAIyd8vi2kM91OAaLj3ieuFdXPbXWgJ-k=
gwr34V2pz8d5Xisnw7B5gJ-UO2b9rD6GNXhtNq4qkQxQi3CbzAPcZK00fq9nqkUsNXOmRrUmn1P=
-IlKHRBpjv2G690u2BNadoNh_sOW276xOAFMj8p_GkX_oSl2c8kSWpQ7TbNsZpPy3rGRY5RUtrG=
pxma8fCCXBca2qLsTJaCjhLHpzBOJCrKW5jqy4osTQErkHUUnBw3mQ6dLCI7lx3hN8bJ8l_H7eJ=
Us~" alias=3D"Preference" style=3D"font-family: Helvetica, Arial, sans-seri=
f; font-size: 12px; color: #4899C4 !important; text-decoration: underline; =
vertical-align: top; display: inline-block; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Update Prefere=
nces</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: 10=
0%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center=
"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 1=
00%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0p=
t; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A     =
       <tbody>=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: 0px;"><img src=3D"https://braze-ima=
ges.com/appboy/communication/assets/image_assets/images/64a74a9cc06c460050d=
bcfc2/original.png=3F1688685212" alt=3D"Upgrade" title=3D"Upgrade" border=
=3D"0" width=3D"120" height=3D"auto" style=3D"width: 120px; height: auto; i=
mage-rendering: auto; outline: none; text-decoration: none; -ms-interpolati=
on-mode: bicubic; border-width: 0;" /></td>=0D=0A              </tr>=0D=0A =
           </tbody>=0D=0A          </table></td>=0D=0A        </tr>=0D=0A  =
      <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Ari=
al, sans-serif; font-size: 12px; line-height: 16px; color: #37383A; mso-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%; padding: 10px 0px 0px;" align=3D"center">Upgrade is located at 275=
 Battery Street, 23rd Floor, San Francisco, CA, 94111</td>=0D=0A        </t=
r>=0D=0A        <tr>=0D=0A          <td style=3D"font-family: Graphik, Helv=
etica, Arial, sans-serif; font-size: 12px; line-height: 16px; mso-line-heig=
ht-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"font-family: Graphik, Helvetica=
, Arial, sans-serif; font-size: 12px; line-height: 16px; color: #37383A; ms=
o-line-height-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" href=3D"https://link.upgrade.com/f/a/RGDqdhsq5Ptg-CiFc2h4qw~~/AAQ=
RxRA~/Wii6pLf_fcjqEXHXLOe2ddTyAhGtC2_zS6k4w_eKN6fqoaADE9xuF09-6A_3q63YnTusv=
NH93rN4p0tLTRmg7RoMsjSfpA_vuc2WDM8u-wndqyAvh1-PnqU2CycByLc_" style=3D"font-=
family: Helvetica, Arial, sans-serif; font-size: 12px; color: #4899C4 !impo=
rtant; 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"cen=
ter" style=3D"image-rendering: auto; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;=
"><img src=3D"https://braze-images.com/appboy/communication/assets/image_as=
sets/images/62c712c2931f9e0069af31f2/original.png=3F1657213634" alt=3D"Equa=
l Housing Lender" title=3D"Equal Housing Lender" border=3D"0" style=3D"heig=
ht: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bic=
ubic; 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: Hel=
vetica, Arial, sans-serif; font-size: 12px; line-height: 18px; color: #ffff=
ff; 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_S1</=
td>=0D=0A                  </tr>=0D=0A                </tbody>=0D=0A       =
       </table></td>=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      =
</table>=0D=0A      =0D=0A      <!--/FOOTER ENDS HERE--></td>=0D=0A    <!--=
/ALL CONTENT ENDS HERE-->=0D=0A    <td style=3D"font-size: 0; mso-line-heig=
ht-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<cu=
stom 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/fCQJRbnJxCUVskd3QWv4RA~~/AAQRxRA~/zytPzfWBx_RpameHjc8nrdlrnr58sx2yK=
Pe5Fwt5Ba18psW84kal5Jss5_hjU7gCShh42RNMDhg5p6umnVY51g~~">=0D=0A</body>=0A</=
html>
--_----tKdcOyksZZ/sAoKm48V4Bw===_B6/3D-25582-F78ACB76--

