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Subject: Open your 2025 loan invitation
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Date: Tue, 04 Mar 2025 21:05:55 +0000
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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0ASimple and fast applic=
ation to check your rate with no=0Aobligations.=0A=0Aupgrade_logo ( https:/=
/link.upgrade.com/f/a/UI08b6eXpjdo49X0aDh4zg~~/AAQRxRA~/xrt8QrrnIZAmFNFFkrG=
fc166L5ttnBYtKkx3yXn3xNudI0B-IK9gbZIQjHTP0q-GNC2mzaMI-8aZOcYByyNveUYoevqCKB=
W8QSPFTsafQgs~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0AChecking your =
rate for a personal loan through Upgrade is a=0A1-minute investment that co=
uld fast track you towards achieving=0Ayour financial goals.   Apply today,=
 you could get your money=0Atomorrow1 and you can use your money wherever y=
ou want - easy!=0AWhat=E2=80=99s stopping you from seeing how much money yo=
u qualify for=3F=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com=
/f/a/R_q1Cgx2nnQpdLqDC7oESg~~/AAQRxRA~/7uW9Ao0pLfzKRd7TR2Z65QPHBAJigVk2r4WK=
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O5y7lzXGtIlwBFp9FYkU-7jQxTizUFLvsaiTmWsYR9arMNSPB8QLZml7fVfueXvafFBgs1=0A) =
    =0A   All the best,=0AThe Upgrade Team   P.S. Checking your rate won=E2=
=80=99t impact your=0Acredit score and there is no obligation, so why not t=
ake a minute=0Aand see what you qualify for=3F (=0Ahttps://link.upgrade.com=
/f/a/yBFuQQRxDRKliDy9wJYtHQ~~/AAQRxRA~/QlCw56jpZWSQG-S1mUFBFRVbO_9KH7o_-mBK=
rVZEQVaM-RgyKLHQ2gKPgDuibtui9cd6g6Q6so-zyQRYcxjts1mS8Z1pJinwGOnQ4eadvQVwU1O=
lBa2EnLiUytDvd6v5hh1GxtPZLwthR1uk4T4xiA~~=3Futm_source=3Ddecl_old&utm_mediu=
m=3Demail&utm_campaign=3Dsend07_a&utm_content=3Demail_link=0A)=0AIf you hav=
e questions, we're here to help.=0Asupport@upgrade.com               Person=
al loans made through=0AUpgrade feature Annual Percentage Rates (APRs) of 7=
.99%-35.99%.=0AAll personal loans have a 1.85% to 9.99% origination fee, w=
hich=0Ais deducted from the loan proceeds. Lowest rates require Autopay=0Aa=
nd paying off a portion of existing debt directly. Loans feature=0Arepaymen=
t terms of 24 to 84 months. For example, if you receive a=0A$10,000 loan wi=
th a 36-month term and a 17.59% APR (which=0Aincludes a 13.94% yearly inter=
est rate and a 5% one-time=0Aorigination fee), you would receive $9,500 in =
your account and=0Awould have a required monthly payment of $341.48. Over t=
he life=0Aof the loan, your payments would total $12,293.46. The APR on=0Ay=
our loan may be higher or lower and your loan offers may not=0Ahave multipl=
e term lengths available. Actual rate depends on=0Acredit score, credit usa=
ge history, loan term, and other factors.=0ALate payments or subsequent cha=
rges and fees may increase the=0Acost of your fixed rate loan. There is no =
fee or penalty for=0Arepaying a loan early.  All=0Aloans, Personal Credit L=
ines, and checking and savings accounts=0Aare provided by Upgrade's bank pa=
rtners =0A( https://link.upgrade.com/f/a/3H80VHVmXptXRtjD0v8YQA~~/AAQRxRA~/=
dJkhFqvjc_0QVX411HylpOsgur885REWUTIFclO0uDnLAlZloh55jKDaOahIHN1oZLc_Py56noE=
Ryhi-uwc9KkcJEOtzgdXZoLo91P2LKx1Wsxqa3W-Vj4Dt_LvaEsel ). Upgrade Visa=C2=AE=
 Cards and=0AUpgrade Visa=C2=AE Debit Cards are issued by Upgrade's bank pa=
rtners =0A( https://link.upgrade.com/f/a/3H80VHVmXptXRtjD0v8YQA~~/AAQRxRA~/=
dJkhFqvjc_0QVX411HylpOsgur885REWUTIFclO0uDnLAlZloh55jKDaOahIHN1oZLc_Py56noE=
Ryhi-uwc9KkcJEOtzgdXZoLo91P2LKx1Wsxqa3W-Vj4Dt_LvaEsel ), pursuant to a lice=
nse=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) holds the follo=
wing state licenses=0A=0A( https://link.upgrade.com/f/a/8JbDl1ki8wcQbZC5E0e=
aXA~~/AAQRxRA~/HoIscNGqZNEtSb3amKDnNXC0GDeGgsEwwbG2bRo8pONQvWOaLy0JtfTIbdLo=
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D1EoXxRRUTF8hXr78KralvCIY~ )=0A and does business under the following DBAs =
=0A( https://link.upgrade.com/f/a/Tv1cQKsnqWv88kvuAJJ4bg~~/AAQRxRA~/wAv7CjL=
z5ATQIUnL2M8Zu1uASlF-LoOO-fsOMPSciduThGgELmFIk3evL1FrN8xw-VtcTxmfHAkZSCebAm=
eRaSSiu0KiBFSNzMSAkJYnMfj1-Y8QjgUe31RmbKcqhLGH ).=0A=0AUpgrade is a financi=
al technology company, not a bank =0A( https://link.upgrade.com/f/a/gQOf2Hj=
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px3XEW0bKseq1UMytFuj5qYKDIRo1JLYH1uY60-cyUkAFCYQXY5z_u24QxnMNviaWFdM6 )=0A.=
 =0A=0A1Accept your loan offer and your funds will be sent to your bank=0Ao=
r designated account within one (1) business day of clearing=0Anecessary ve=
rifications. Availability of the funds is dependent=0Aon how quickly your b=
ank processes the transaction. From the time=0Aof approval, funds sent dire=
ctly to you should be available=0Awithin one (1) business day. Funds sent d=
irectly to pay off your=0Acreditors may take up to 2 weeks to clear, depend=
ing on the=0Acreditor.=0A=0Afacebook =0A( https://link.upgrade.com/f/a/P3kd=
W2rdZj-bLFO2Q_HBXQ~~/AAQRxRA~/OXwmFHz_qog1OAb9MAA0NkAP2sm1y6MI09h5lCNw9uhg4=
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YbNmS6Y7jHEOD1B9hPcDO8fsfxnDMrIYlGw5lAvJZM8V6SBVExQ6cnv7Li6qs )=0A=0Ainstag=
ram =0A( https://link.upgrade.com/f/a/InCTs0X93chO7KcYvQ44zg~~/AAQRxRA~/OXw=
mFHz_qog1OAb9MAA0NhN8q8tWWTW1YRgzHgSBmvmVqxKIkKgd9zOIjvm663d4t2cgcZOk6OLyCk=
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oXpLM8rxOqu5MXU_3mhLOtZwM1cU )=0A=0Ablog =0A( https://link.upgrade.com/f/a/=
86tCXPH2Xf5rH4ilNVoaBQ~~/AAQRxRA~/77xWVpuyULt52kRszpySo66BeDf3EH0GqgiexcsDk=
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XWrTEC7HKYZu0VE~ )=0AUpgrade      Upgrade is located at 275 Battery Street,=
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o )=0A=0A   Equal Housing Lender=0A        PL_ITA_DECL_OLD_S7
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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=
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iceDocumentSettings>=0D=0A  <o:AllowPNG/>=0D=0A  <o:PixelsPerInch>96</o:Pix=
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=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">=
Simple and fast application to check your rate with no obligations.</td>=0D=
=0A    </tr>=0D=0A  </tbody>=0D=0A</table>=0D=0A<!--/PREHEADER ENDS HERE-->=
 =0D=0A<!--ALL CONTENT STARTS HERE--> =0D=0A<!--HEADER STARTS HERE-->=0D=0A=
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" cl=
ass=3D"mbl" style=3D"width: 100%; min-width: 100% !important; 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"#f5f5f5">=0D=0A  <=
tbody>=0D=0A  =0D=0A  <tr>=0D=0A    <td style=3D"font-size: 0; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;">&nbsp;</td>=0D=0A    <td align=3D"center" style=3D"width: 600px; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" class=3D"mblHeader" style=3D"width: 100%; min-width: 90% !important=
; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A        =
<tbody>=0D=0A          <tr>=0D=0A            <td align=3D"center" valign=3D=
"top" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" style=3D"width: 90%; 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 style=3D"font-size: 0; mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 15px 0;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: =
0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%;">=0D=0A                        <tbody>=0D=0A                  =
        <tr>=0D=0A                            <td align=3D"left" style=3D"m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"mblHeader" style=3D"width: 100%; max-width: 600px; border-collapse: c=
ollapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%; min-width: 90% !important;">=0A  <t=
body>=0A    <tr>=0A      <td align=3D"center" valign=3D"top" style=3D"mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
>=0A          <tbody>=0A            <tr>=0A              <td style=3D"font-=
size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%; padding: 0px;" valign=3D"top"><table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: =
collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0A                  <tbody>=0A  =
                  <tr>=0A                      <td align=3D"center" valign=
=3D"middle" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"htt=
ps://link.upgrade.com/f/a/UI08b6eXpjdo49X0aDh4zg~~/AAQRxRA~/xrt8QrrnIZAmFNF=
FkrGfc166L5ttnBYtKkx3yXn3xNudI0B-IK9gbZIQjHTP0q-GNC2mzaMI-8aZOcYByyNveUYoev=
qCKBW8QSPFTsafQgs~" style=3D"font-family: Graphik, Helvetica, Arial, sans-s=
erif; text-align: center; font-size: 20px; color: #4899C4 !important; text-=
decoration: none; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%;"><img alt=3D"upgrade_logo" border=3D"0" h=
eight=3D"33" src=3D"https://braze-images.com/appboy/communication/assets/im=
age_assets/images/63348ce6db77c73d707010e4/original.png=3F1664388326" style=
=3D"outline: 0px; width: 144px; height: auto; font-family: Graphik, Helveti=
ca, Arial, sans-serif; font-size: 24px; color: rgb(0, 175, 106); text-decor=
ation: none; -ms-interpolation-mode: bicubic; padding: 0px; border-width: 0=
px;" title=3D"logo" width=3D"144" class=3D"center" /></a></td>=0A          =
          </tr>=0A                  </tbody>=0A                </table></td=
>=0A            </tr>=0A          </tbody>=0A        </table></td>=0A    </=
tr>=0A  </tbody>=0A</table>=0A<!-- X-250ok-CID: upgrade_pl_ita_declined_old=
_send07_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-hei=
ght: 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              </t=
able></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" c=
ellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table=
-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-te=
xt-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-table-lspace: 0p=
t; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;">=0D=0A              <tbody>=0D=0A                <tr>=0D=0A    =
              <td style=3D"padding-top: 0px; font-family: Helvetica, Arial,=
 serif; font-size: 16px; line-height: 22px; color: #37383A; mso-line-height=
-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
" align=3D"left"><span style=3D"font-size: 0px; line-height: 1;"></span>Hi,=
</td>=0D=0A                </tr>=0D=0A                <tr>=0D=0A           =
       <td style=3D"font-family: Helvetica, Arial, serif; font-size: 16px; =
line-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;" =
align=3D"left">Checking your rate for a personal loan through Upgrade is a =
1-minute investment that could fast track you towards achieving your financ=
ial goals.</td>=0D=0A                </tr>=0D=0A                 <tr>=0D=0A=
                  <td style=3D"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%; padding: 15px=
 0px 0px;" align=3D"left">Apply today, you could get your money tomorrow<su=
p style=3D"font-size: 10px; line-height: 1;">1</sup> and you can use your m=
oney wherever you want - easy! </td>=0D=0A                </tr>=0D=0A      =
          <tr>=0D=0A                  <td style=3D"font-family: Helvetica, =
Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-line-=
height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust:=
 100%; padding: 15px 0px 20px;" align=3D"left">What=E2=80=99s stopping you =
from seeing how much money you qualify for=3F</td>=0D=0A                </t=
r>=0D=0A                                =0D=0A              <!--/BUTTON STA=
RTS 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"center" width=3D"515" style=3D"font-family: Graphik, Helv=
etica, Arial, serif; font-size: 16px; line-height: 24px; color: #ffffff !im=
portant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%; padding: 0px;"><!--/BUTTON STARTS HERE-->=0D=0A   =
   <table align=3D"center" class=3D"cta_table" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" style=3D"width: 275px; border-collapse: separate; -web=
kit-border-radius: 8px; -moz-border-radius: 8px; border-radius: 8px; mso-ta=
ble-lspace: 0pt; mso-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-size-adjust: 100%;" valign=3D"middle" align=3D"center"><=
a alias=3D"Check Your Rate" href=3D"https://link.upgrade.com/f/a/R_q1Cgx2nn=
QpdLqDC7oESg~~/AAQRxRA~/7uW9Ao0pLfzKRd7TR2Z65QPHBAJigVk2r4WKl3VWccBo51M7zKU=
yMPpmPMCDUdNy5ofNIp8SZZ5LmBFC3XgpIx-mBbh_pFqChBSvm6BgSz45HH0M1rY9erzZlYPrar=
ZuT-uUtRcoGf_Bt8OSv3Rv4n_RcD-ujQxJL7Oazc3sgR1kPYSw87B57ZDyOVO5y7lzXGtIlwBFp=
9FYkU-7jQxTizUFLvsaiTmWsYR9arMNSPB8QLZml7fVfueXvafFBgs1" style=3D"display: =
inline-block; font-size: 16px; line-height: 24px; font-family: Graphik, Hel=
vetica, Arial, sans-serif; font-weight: 500; color: #ffffff !important; tex=
t-decoration: none !important; letter-spacing: 0.5px; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddi=
ng: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Check Your Rate<!--[i=
f 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              <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: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"l=
eft">All the best,<br />=0D=0A                 The Upgrade Team</td>=0D=0A =
             </tr>=0D=0A              <tr>=0D=0A                  <td style=
=3D"padding-top: 25px; font-family: Helvetica, Arial, serif; font-size: 16p=
x; line-height: 22px; color: #37383A; mso-line-height-rule: exactly; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">P.S. =
Checking your rate won=E2=80=99t impact your credit score and there is no o=
bligation, so why not take a minute and <a alias=3D"check it out today" hre=
f=3D"https://link.upgrade.com/f/a/-q7dpzweeCYPyJbWpm7V7g~~/AAQRxRA~/OeINTqr=
-nU3THzJ7Ox70KdAcX5lghKQ8WU590_HH5mEsl6hdal2q4m39cSA7rUO-xeszmE5U2LZvgjIQIG=
-OWnA3NonGWLglIABHm4AUOX_1hAc4aGtKyit4hNzXisyBU-N6mdd4B4yUXbniS6XujFqu1LPq2=
lT0Xzk8GoSCLjjo1lj3AYW7_R896SbsVBSrzQg0961qUPVidVhX72sx24q4m_QQbE9DTdFrClz5=
GBGFifCw4EzO8KCQB2-3_JD_" style=3D"color: #4899C4 !important; display: inli=
ne-block; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%;">see what you qualify for=3F</a></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 7.99%-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/3H80VHVmXptXRtjD0v8YQA~~/AAQRxRA~/dJkhFqvjc_0QVX411HylpOsgu=
r885REWUTIFclO0uDnLAlZloh55jKDaOahIHN1oZLc_Py56noERyhi-uwc9KkcJEOtzgdXZoLo9=
1P2LKx1Wsxqa3W-Vj4Dt_LvaEsel" 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/3H80VHVmXptXRtjD0v8YQA~~/AAQRxRA~/d=
JkhFqvjc_0QVX411HylpOsgur885REWUTIFclO0uDnLAlZloh55jKDaOahIHN1oZLc_Py56noER=
yhi-uwc9KkcJEOtzgdXZoLo91P2LKx1Wsxqa3W-Vj4Dt_LvaEsel" 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/8JbDl1ki8wcQbZC5E0eaXA~~/AAQRxRA~/HoIscNGqZNEtSb3amKDnNXC0GDe=
GgsEwwbG2bRo8pONQvWOaLy0JtfTIbdLoZ93vLfsRsZDNCdOyakAZCX6LFKss_HZoNME60yPI56=
T-2uxCba7HTXNSTeMB_T-56Vi2I3JTvakAT46z6KN33OwckQnp0zVr--MRX7ZegRpmCNUWIlh1k=
SW05RnkoSvhDsIftfwc-NJlkoYePaalZPD1EoXxRRUTF8hXr78KralvCIY~" 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/Tv1cQKsnqWv88kvuAJJ4bg~~/AAQRxRA~/wAv7CjLz5ATQIUnL=
2M8Zu1uASlF-LoOO-fsOMPSciduThGgELmFIk3evL1FrN8xw-VtcTxmfHAkZSCebAmeRaSSiu0K=
iBFSNzMSAkJYnMfj1-Y8QjgUe31RmbKcqhLGH" 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/gQOf2Hj79qneo=
Zy_yewQDA~~/AAQRxRA~/No_27gMc7LPXRG5yCf8qwObBH4nqUZ4vjodexo5rRqg-vEJ4xno8Xk=
IYOexgxaykMgn-qtH30LkrCcjNm0BH5cxzkH4XLG08ghIANGEqha7MLy_Dfz3_u--osP5px3XEW=
0bKseq1UMytFuj5qYKDIRo1JLYH1uY60-cyUkAFCYQXY5z_u24QxnMNviaWFdM6" 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"><sup style=3D"font-size: 8px; line-height: 1;">1</sup>Accept your loan=
 offer and your funds will be sent to your bank or designated account withi=
n one (1) business day of clearing necessary verifications. Availability of=
 the funds is dependent on how quickly 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, depending on the creditor.</td>=0D=0A     =
             </tr>=0D=0A                  <tr>=0D=0A                    <td=
 style=3D"padding-top: 15px; font-family: Helvetica, Arial, sans-serif; fon=
t-size: 12px; line-height: 18px; color: #37383A; mso-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"=
left"><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" style=3D"width: 100%; max-width: 600px; border-collapse: collapse; mso-=
table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;">=0D=0A  <tr>=0D=0A    <td align=3D"center" styl=
e=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 10px 0px 0px;"><table border=3D"0" cellpaddin=
g=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-top-width: 1px; bord=
er-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: 1=
00%; -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; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 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.upgrade.com/f/a/P3kdW2rdZj-bLFO2Q_HBXQ~~/AAQRxRA~/OXwmFHz_=
qog1OAb9MAA0NkAP2sm1y6MI09h5lCNw9uhg4R3Bz1s4ckLGlfZ2vEcKkqSEVwWYfaWAol_gIJn=
o97GCpOP_n3vvnKXsciMhwKyJPbfq8i-U18abZ9Ui9C8EL7XyKcnKLGl05FXHEZtqL1nOppiLJD=
16c9X4CNijocWC1BEYC4_FRGTRQmlfbhwflC6YbNmS6Y7jHEOD1B9hPcDO8fsfxnDMrIYlGw5lA=
vJZM8V6SBVExQ6cnv7Li6qs" target=3D"_blank" alias=3D"facebook" style=3D"colo=
r: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze-images.co=
m/appboy/communication/assets/image_assets/images/65fb645920ede0004c647b15/=
original.png=3F1710974041" border=3D"0" alt=3D"facebook" title=3D"facebook"=
 width=3D"24" height=3D"auto" style=3D"text-align: center; width: 24px; hei=
ght: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bi=
cubic; 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%; -webk=
it-text-size-adjust: 100%; padding: 0px;"><a href=3D"https://link.upgrade.c=
om/f/a/InCTs0X93chO7KcYvQ44zg~~/AAQRxRA~/OXwmFHz_qog1OAb9MAA0NhN8q8tWWTW1YR=
gzHgSBmvmVqxKIkKgd9zOIjvm663d4t2cgcZOk6OLyCkDXtQ_azNUm72FQKs7cIM_Tg2fSu0qzK=
VPS3bMB44MSotoxzIaJNgEEgCnhz7Zo9QsUDystePYj8tyO_RlK_ARxu5NUVRyZNQ6LmxITcFft=
MG7VmSXwY3IOZiOwKLUb_sdQtdvoAG_dyv3oJ-KRNK_coXpLM8rxOqu5MXU_3mhLOtZwM1cU" t=
arget=3D"_blank" alias=3D"instagram" style=3D"color: #4899C4 !important; ms=
o-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-=
adjust: 100%;"><img src=3D"https://braze-images.com/appboy/communication/as=
sets/image_assets/images/65fb64594f39dd004c62621d/original.png=3F1710974041=
" border=3D"0" alt=3D"instagram" title=3D"instagram" width=3D"24" height=3D=
"auto" style=3D"text-align: center; width: 24px; height: auto; outline: non=
e; text-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; bo=
rder-width: 0;" /></a>=0D=0A                  </td>=0D=0A                  =
<td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/86tCXPH2Xf5rH4ilN=
VoaBQ~~/AAQRxRA~/77xWVpuyULt52kRszpySo66BeDf3EH0GqgiexcsDkJzSG1CFyJyDkxiHPV=
809vGlmCw8HwBwfvE4JSgy1dA81nwUm71Wv7ZZC0gTDv8IvnJeUHu4j3bJzp8uQSI1xH0FLCLvv=
nMjDcmLaiaR10DKBibPcROxqLG61btfMy_GNQ226KJqZkRbuwGkFBl0wcWRAAyBCQ9Si_q2VHb7=
evPd4csZU3nGH8QuUKuR749AjdxcDRSouEglxZ4xP3DlZRoV" target=3D"_blank" alias=
=3D"blog" style=3D"color: #4899C4 !important; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"=
https://braze-images.com/appboy/communication/assets/image_assets/images/65=
fb6459172062004de47b44/original.png=3F1710974041" border=3D"0" alt=3D"blog"=
 title=3D"blog" width=3D"47" height=3D"auto" style=3D"text-align: center; w=
idth: 47px; height: auto; outline: none; text-decoration: none; -ms-interpo=
lation-mode: bicubic; padding: 0px; border-width: 0;" /></a>=0D=0A         =
         </td>=0D=0A                </tr>=0D=0A              </tbody>=0D=0A=
            </table></td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A       =
   <td style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-si=
ze: 12px; line-height: 16px; font-weight: 500; mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15p=
x 0px 0px;" align=3D"center">Please do not reply directly to this message a=
s it was sent from an unattended mailbox. </td>=0D=0A        </tr>=0D=0A   =
     <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Aria=
l, sans-serif; font-size: 12px; line-height: 16px; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding:=
 10px 0px 0px;" align=3D"center">This email contains advertising content an=
d was sent to <a href=3D"#" class=3D"disabled-link" style=3D"font-family: H=
elvetica, Arial, sans-serif; font-size: 12px; color: #4899C4 !important; te=
xt-decoration: none; cursor: none !important; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" alias=3D"use=
r_email">info@sterlingcal.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-heigh=
t: 18px; color: #424242; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0 0;" align=3D"cente=
r">No longer want to receive these emails=3F <a href=3D"https://link.upgrad=
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7ZJsRaGxFDU5cfJy5NAfrar5YgerZuaaaavky5vIMECQjPELuzXA9F3NCQZ964tme-gtZkuYfor=
zt9oBqF1_XDdL6q1Gk-bmUfWIwDaeZg08WhA6rTUfCmsQ8_Imb-DbL_i3GNig9JJpIX8jE8VnWA=
UB3fON_WaRIWbHAEAUKnqy4zQEpK8e5kDvVYQPlW3LsTC8WlIQ7xCrwETR9XecChASUYWk_UwzE=
LJlR9gGA6UNrV68ARsqEBccxFnXe_3DdNmHhQd8k-5taxA79witJ6CHA3gX3SrhKDJrI9q1WRi-=
KWIkvBYHynCNwixVZDmEtK0iCd6FHYZNj1EJ0pCu5FrIvuW0iREvUDD-6yUZ2IMQsng3ZnbrX8l=
wkTD-8ey8egkUG1zBzS197rLM0Zhm26vRTVtXDbX__44xxwHgMNG-aSh3c6Ki6na1daNW6nzrBz=
fs0cu02PC7ctWtd_DCe-xyaSOMh32bX2qoOMx2sqQYese2TgZsElH3rJh3a0Ec7BWBPmHnaDoPx=
S8540e_nuAO9S2RLjzDjF3luq-iWjxkdgUnH33QE0LUh0fKiup-Tgv6Y-pjEepU-FoOtvQ_dr2I=
Xc8LrHeGb7VFDR5YAXLA_xd7MVujB9hVbBcJogvgsBrU0WdlGUb_sZcNYHHspy0-F1BScSDpIX4=
mzlDzF7wGuMJxYVsf1x692IS7sxmRVza5JxwCnW2_aEGfDPwoTeI4Q1A7FPhvy" alias=3D"Un=
subscribe" style=3D"font-family: Helvetica, Arial, sans-serif; font-size: 1=
2px; color: #4899C4 !important; text-decoration: underline; vertical-align:=
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djust: 100%; -webkit-text-size-adjust: 100%;">Unsubscribe</a> or <a href=3D=
"https://link.upgrade.com/f/a/D08i-Xf-1K0rTTiBXVAYWg~~/AAQRxRA~/OrNJiGsYBEO=
YRShom5Q-Or2dpDtmhNv-nObhiefh_V7hk1TtQt0mAVhb9CBertgGGEhNH0CDE8wplHzmeQjfOS=
ND6ee3DQuE_VHeMQ2TN-rDPQtLNbo4iZ4dbD2AIr4pfwVUp7Cgn0sPn_JV-Nx-X6uzHgY0Qp8jO=
FPQRLzR_VqPGMqqRxHG_ZYTZ7sGu7dGx8_aiUmOrccqvwCyf3R5wAWRzKhipSyAtp-Z6RoLuLZw=
juTlO27OrJ9bdaEfgsfTeggA1lM7K_i5IepytJzdZYKlz1enSa5Q5k2HCSMcbtozapZBO0kSJO4=
HS90Lmq5uA5SUCGQKCn1pgaM6d2Xnf9hSGP-1MX2IbRLsOIuyd9ZqJJQYcfDIZD8bN-_jR_0RSG=
CM6KbHZ4hpHh3XRjzF9Sb_19PeaoOOTwJHw5UlUx6LRwnb5M_MA7evLYldW_lzJhcMAejNel4he=
hFf-Atk-dZZl0YPcisCwf5YoE2ixBk6XZMZTusRgbbS7EiJXp4gYwaE0GdlXO6Lk1juKIFZwQ8J=
flys4CH5C3Ir7np-ch3JO49hiUvd79n0CxAPpMaOaB00W_QHbB7WABpc0G91L6WWfItfYr2hAOH=
XxGVUoDuo52OcNdgjDyDb0RxcB0XGApTlbjShHP0I1DMZqz0cynzna4LdresOmhBkE7XXRdL9LJ=
3iWqF9ow4evMB0T0Q8h3yBHF-8p88OiwEfrwFEhjdQftSYvumdOVyhmCPBUYUbk7qe9cIT-GIeS=
YKq3_dGzEfNCp2r1ato6SyqVe_nlQOkQWJsdsbES4mgj5VfFDIwmHmEvEtqo_F7Rb6vYVvQ-jU4=
03EfIrxlCNkAEar3ibJtWbVG2qjO9EqvuRr-9GJcVIvKZyWVAy8Kr1u8MM8t1bp_6612DC4eXG3=
Z8R7HwdknNJP-KDvBQem0IYThlcU-vXA4AnkQ_XMfYtesVxTZbqQxGAizjJtrm4a74W8ilOdfcG=
uheR1MWSwccDHZO1FfOVPvWjTTj26f-4lsDbgNkKauN-pO4BpJPkLREvuTKYjsn_yrJzUinnx87=
aP0V4fGFfTfeylGDnGM-oZpyI9JeWZ9ShcQK-FcfqJvXGQjdYYtACYnXWrTEC7HKYZu0VE~" al=
ias=3D"Preference" style=3D"font-family: Helvetica, Arial, sans-serif; font=
-size: 12px; color: #4899C4 !important; text-decoration: underline; vertica=
l-align: top; display: inline-block; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Update Preferences</a=
></td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td class=3D"bod=
y3" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center"><tabl=
e border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; bo=
rder-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A            =
<tbody>=0D=0A              <tr>=0D=0A                <td align=3D"center" s=
tyle=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_assets/images/64a74a9cc06c460050dbcfc2/o=
riginal.png=3F1688685212" alt=3D"Upgrade" title=3D"Upgrade" border=3D"0" wi=
dth=3D"120" height=3D"auto" style=3D"width: 120px; height: auto; image-rend=
ering: auto; outline: none; text-decoration: none; -ms-interpolation-mode: =
bicubic; border-width: 0;" /></td>=0D=0A              </tr>=0D=0A          =
  </tbody>=0D=0A          </table></td>=0D=0A        </tr>=0D=0A        <tr=
>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Arial, sans-=
serif; font-size: 12px; line-height: 16px; color: #37383A; mso-line-height-=
rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; =
padding: 10px 0px 0px;" align=3D"center">Upgrade is located at 275 Battery =
Street, 23rd Floor, San Francisco, CA, 94111</td>=0D=0A        </tr>=0D=0A =
       <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Ar=
ial, sans-serif; font-size: 12px; line-height: 16px; mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 10px 0px 0px;" align=3D"center"><span class=3D"goomoji">=C2=A9</span> 20=
25 Upgrade, Inc. All rights reserved. </td>=0D=0A        </tr>=0D=0A       =
 <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Arial, s=
ans-serif; font-size: 12px; line-height: 16px; color: #37383A; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%; padding: 10px 0px 0px;" align=3D"center"><a alias=3D"cta3_txt_privacy" =
href=3D"https://link.upgrade.com/f/a/BUPl-FGxu0_Z3ddVXtLlYg~~/AAQRxRA~/anYY=
7A-0M4bZgSo_Oe0kQ1s1B06nls9egXD_uvZFOO3N2drG9XysqjG6lCcfV1q3RvTncri76Z7hQTN=
gTekQ82r72f2m3x2Ggp6iVFiAXFmfLpUltTKdQt1ehGoJ0fJo" style=3D"font-family: He=
lvetica, Arial, sans-serif; font-size: 12px; color: #4899C4 !important; tex=
t-decoration: underline; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 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" styl=
e=3D"image-rendering: auto; mso-line-height-rule: exactly; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;"><img sr=
c=3D"https://braze-images.com/appboy/communication/assets/image_assets/imag=
es/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; bor=
der-width: 0;" /></td>=0D=0A        </tr>=0D=0A<span style=3D"font-size: 0p=
x; line-height: 1;">=0D=0A=0D=0A</span>=0D=0A      </table></td>=0D=0A  </t=
r>=0D=0A</table>=0D=0A</td>=0D=0A                  </tr>=0D=0A             =
     <tr>=0D=0A                    <td style=3D"font-family: Helvetica, Ari=
al, sans-serif; font-size: 12px; line-height: 18px; color: #ffffff; padding=
-top: 10px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;" align=3D"left">PL_ITA_DECL_OLD_S7</td>=0D=0A  =
                </tr>=0D=0A                </tbody>=0D=0A              </ta=
ble></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=
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