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Subject: Andrew, what are you waiting for? Check your rate today.
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To: info@sterlingcal.com
Date: Sat, 08 Mar 2025 18:00:56 +0000
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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/zWTNflH9IrcI37tDrlAmqA~~/AAQ=
RxRA~/MrJuEj6-LZ1uoQg8itp7zY8IBdxxV22JsOd0HdRgmxTplvLCIyXD4qpaeUloB_jODVFfh=
mj3oDnxX62JYWCP49ykPBPbmT25UQOnlNeirmg~ )=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/6_0F2fXmPKCHRgn7NT0I9g~~/AAQRxRA~/MI1Rk06dvPuUocDYf=
GaqKFX1dDig-xLVvTjI4dNd09XRrjX6Vgo589TNnhv-mVbHgDt7e97jx-wU2w-Ao_QzJfQtjQLK=
7WTM1iqTZBjR_reMsstg1wk2oorbISsG1Bwt-8TN4nWABa8THZLikQ81Bw~~=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/YvdqtYI7yO-tN56iGXW9GQ~~/AAQRxRA~/0Bj0j1b1qvVeSEMRNSEb-ZwWWFQFdZ2BGzEWJ8=
kcmSqLB9uDydTQzpiX0nlr4bZAsZzEzIKUQ87Uf0ZmejA_UeD62D0kUlnC4JZM_iAt_3RJ_q5GN=
ia3179OWshwc1foWymWwJpMggpBplnMUSTGU9JJfx28peYe3zFqyFFr945GgDeZbkj3lldbRVxw=
e5d4-oYtiLQK9DapsGnkbxsP6B1g8r9AGRuwM_Q9kJOQ_EIoZQQZCkyp7nzJMGUwQGY4=0A)   =
  =0A   It=E2=80=99s easy to check your rate=0A=E2=80=94 click here (=0Ahtt=
ps://link.upgrade.com/f/a/6_0F2fXmPKCHRgn7NT0I9g~~/AAQRxRA~/MI1Rk06dvPuUocD=
YfGaqKFX1dDig-xLVvTjI4dNd09XRrjX6Vgo589TNnhv-mVbHgDt7e97jx-wU2w-Ao_QzJfQtjQ=
LK7WTM1iqTZBjR_reMsstg1wk2oorbISsG1Bwt-8TN4nWABa8THZLikQ81Bw~~=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/=
NWA9J--ZyoccujXooMzOWw~~/AAQRxRA~/J4pzffsU2i8oruTI7kl_6q9RtaxXUSfM75HPmgRwc=
REkkS00Vf-qXwvFB_H-hIs7qlDVipyWtNWXENSx7Del6kgRwH6sKsuV5wTHOJoujDGWTIuz9Nwv=
NNTRFIPiR47e ) . 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=
/NWA9J--ZyoccujXooMzOWw~~/AAQRxRA~/J4pzffsU2i8oruTI7kl_6q9RtaxXUSfM75HPmgRw=
cREkkS00Vf-qXwvFB_H-hIs7qlDVipyWtNWXENSx7Del6kgRwH6sKsuV5wTHOJoujDGWTIuz9Nw=
vNNTRFIPiR47e ), 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/WW-LhRQSf8bILf5gPVrSOQ~~/AAQRxRA~/_xPC4YO66xCE0nV6wTqoHf1Ww=
WE4Mkg-5UQNhcLaMWzsUZ4FNLDqRaeVva96a0XD6M13D-YuS0wmENdbmV9Vhzf6QeiKcRd8Lu3t=
QdkpCXrt6766L-AkoRijBMrLRC_AAuCp31ZzFnj4L0DU-sv7_tzS2bobvttfA0wO4hjjprBCK8G=
rtmj8JItvCnqgLP5DfTO8GQ771TnTR6SMxSbG3eJM9wNKlutqp36njch2T-g~ )=0A and does=
 business under the following DBAs =0A( https://link.upgrade.com/f/a/Nxa_zx=
ramzZYwLUUTQIS7A~~/AAQRxRA~/JQNB8zLL6TRd3OguWb-QicuMN7JR7iEmYw6l--OeVRRmAj9=
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u5HE_8 ).=0A=0AUpgrade is a financial technology company, not a bank =0A( h=
ttps://link.upgrade.com/f/a/G644grExPJETG9Fx9y8ckQ~~/AAQRxRA~/56gQNORQMi4jZ=
x_csQy9v44U_Hiy6wH2CvbY0ITJ7yyj9RXPdGdAjQe-bHafjH0SYsudWDcpY9zDkgVpFq864tum=
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-7FJjzmnreb4ylHacupA0cqeRidu2 )=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/E0chsZYTZTy-uXUThxPygA~~/AAQRxRA~/vCxvAPWPW0e=
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w100b {=0A    width: 100% !important;=0A  }=0A  .mbl_txt_link {=0A    font-=
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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=
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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">=
Wipe out your credit card debt in as few as 36 months with a personal loan =
through Upgrade.</td>=0D=0A    </tr>=0D=0A  </tbody>=0D=0A</table>=0D=0A<!-=
-/PREHEADER ENDS HERE--> =0D=0A<!--ALL CONTENT STARTS HERE--> =0D=0A<!--HEA=
DER STARTS HERE-->=0D=0A<table align=3D"center" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" class=3D"mbl" style=3D"width: 100%; min-width: 100% !=
important; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcol=
or=3D"#f5f5f5">=0D=0A  <tbody>=0D=0A  =0D=0A  <tr>=0D=0A    <td style=3D"fo=
nt-size: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;">&nbsp;</td>=0D=0A    <td align=3D"center" styl=
e=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" cell=
padding=3D"0" cellspacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; m=
in-width: 90% !important; border-collapse: collapse; mso-table-lspace: 0pt;=
 mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%;">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td al=
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/zWTNflH9IrcI37tDrlAmqA~~/AA=
QRxRA~/MrJuEj6-LZ1uoQg8itp7zY8IBdxxV22JsOd0HdRgmxTplvLCIyXD4qpaeUloB_jODVFf=
hmj3oDnxX62JYWCP49ykPBPbmT25UQOnlNeirmg~" 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/smMSTRj-PDLmP_kCPTYyew~~=
/AAQRxRA~/oaSqKNJACldk-gBid1H6vQjzawblaMsQoIPs-yqMDMHhGidgCUAFzU_vJ8BwnzNGW=
5Jj-OAiGs3Csv_6syyObH1iXDuxXLLvQI_OUMwurdU_ddI0iLkKi1kEPc8FJJk40mfBAmWbLCK1=
e64OXaiDO5NQNBM3kaBdjzcyKYX6RU9jJDdnw1Ms243-dSxDr8BPa_dmD5tcY0uCe4rcs0G_Cfh=
Z_cBgo4vpkA9chtXX6kPFvI2tIom8M6m01qYgjQXo" 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/YvdqtYI7yO-tN56iGXW9GQ~~/=
AAQRxRA~/0Bj0j1b1qvVeSEMRNSEb-ZwWWFQFdZ2BGzEWJ8kcmSqLB9uDydTQzpiX0nlr4bZAsZ=
zEzIKUQ87Uf0ZmejA_UeD62D0kUlnC4JZM_iAt_3RJ_q5GNia3179OWshwc1foWymWwJpMggpBp=
lnMUSTGU9JJfx28peYe3zFqyFFr945GgDeZbkj3lldbRVxwe5d4-oYtiLQK9DapsGnkbxsP6B1g=
8r9AGRuwM_Q9kJOQ_EIoZQQZCkyp7nzJMGUwQGY4" 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/smMSTRj-PDLmP_kCPTYyew~~/AAQRxRA~/oaS=
qKNJACldk-gBid1H6vQjzawblaMsQoIPs-yqMDMHhGidgCUAFzU_vJ8BwnzNGW5Jj-OAiGs3Csv=
_6syyObH1iXDuxXLLvQI_OUMwurdU_ddI0iLkKi1kEPc8FJJk40mfBAmWbLCK1e64OXaiDO5NQN=
BM3kaBdjzcyKYX6RU9jJDdnw1Ms243-dSxDr8BPa_dmD5tcY0uCe4rcs0G_CfhZ_cBgo4vpkA9c=
htXX6kPFvI2tIom8M6m01qYgjQXo" 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/NWA9J--ZyoccujXooMzOWw~~/AAQRxRA~/J4pzffsU=
2i8oruTI7kl_6q9RtaxXUSfM75HPmgRwcREkkS00Vf-qXwvFB_H-hIs7qlDVipyWtNWXENSx7De=
l6kgRwH6sKsuV5wTHOJoujDGWTIuz9NwvNNTRFIPiR47e" 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/NWA9J--ZyoccujXooM=
zOWw~~/AAQRxRA~/J4pzffsU2i8oruTI7kl_6q9RtaxXUSfM75HPmgRwcREkkS00Vf-qXwvFB_H=
-hIs7qlDVipyWtNWXENSx7Del6kgRwH6sKsuV5wTHOJoujDGWTIuz9NwvNNTRFIPiR47e" 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/WW-LhRQSf8bILf5gPVrSOQ~~/AAQRxRA~/_xPC4YO6=
6xCE0nV6wTqoHf1WwWE4Mkg-5UQNhcLaMWzsUZ4FNLDqRaeVva96a0XD6M13D-YuS0wmENdbmV9=
Vhzf6QeiKcRd8Lu3tQdkpCXrt6766L-AkoRijBMrLRC_AAuCp31ZzFnj4L0DU-sv7_tzS2bobvt=
tfA0wO4hjjprBCK8Grtmj8JItvCnqgLP5DfTO8GQ771TnTR6SMxSbG3eJM9wNKlutqp36njch2T=
-g~" 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/Nxa_zxramzZYwLUUTQIS7A~~/AAQRxR=
A~/JQNB8zLL6TRd3OguWb-QicuMN7JR7iEmYw6l--OeVRRmAj9dZNadQxgqxrcI6xl9Ey0q9Zs9=
sMRQLydQ3i5IRdHtSEzVJlyOX1Y40QEF3yXbA8HoWQ79WsTfwLu5HE_8" 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/G644grExPJETG9Fx9y8ckQ~~/AAQRxRA~/56gQNORQMi4jZx_csQy9v44U_Hiy6wH2Cvb=
Y0ITJ7yyj9RXPdGdAjQe-bHafjH0SYsudWDcpY9zDkgVpFq864tummNWHztQ3oVrlYGoALfUvpX=
v2FijbKrRUvvLwjTJlLYj3XUUYfwBvmEn5nfXws2Pazut0XvP3nLk-7FJjzmnreb4ylHacupA0c=
qeRidu2" 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=
 necessary verifications. Availability of the funds is dependent on how qui=
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          =
        <tr>=0D=0A                    <td style=3D"padding-top: 15px; font-=
family: Helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px; c=
olor: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%;" align=3D"left"><table align=3D"center" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-widt=
h: 600px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspac=
e: 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: 10px=
 0px 0px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D=
"width: 100%; border-top-width: 1px; border-top-color: #cecece; border-top-=
style: solid; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-r=
space: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=
=0D=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%; padding: 20px 0px 0px;"><table class=3D"center" align=3D"center" borde=
r=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"60%" style=3D"text-ali=
gn: center; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddi=
ng: 0px;">=0D=0A              <tbody>=0D=0A                <tr>=0D=0A      =
            <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"m=
so-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/E0chs=
ZYTZTy-uXUThxPygA~~/AAQRxRA~/vCxvAPWPW0e_S-xa-x0JS9ab_LuzrPAs_2yJmFpRtbx7gm=
sgDMoriS02j9O_I4lM3lAHz-xyMNERiDqkP9iZ362ItWjb-yg7IcdP5tRqUO0nHWkKOWRjboZgf=
nsIK_4gs0h46Q0Z6SFkAnc4yu7l2FB1W0i5qfrWO6nT5o4YmNy2uh-FBKLwdDd9lRip-flypLEh=
QmwD4tGExT1bx1HBh_ogMnIGpDnQ-d0Fm7pqVnrgJuuK0B_vMBAKPGBKlKYC" target=3D"_bl=
ank" alias=3D"facebook" 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_as=
sets/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; height: auto; outline: none; text-decorat=
ion: none; -ms-interpolation-mode: bicubic; padding: 0px; border-width: 0;"=
 /></a>=0D=0A                  </td>=0D=0A                  <td align=3D"ce=
nter" valign=3D"middle" width=3D"100" style=3D"mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px=
;"><a href=3D"https://link.upgrade.com/f/a/sx5Jjav8SdM8rXcXI318gQ~~/AAQRxRA=
~/vCxvAPWPW0e_S-xa-x0JS4SmYszM_Sbk8wbDpE07LcpsYjisZa7yV_75zxkSDVet3LVH2irc7=
deSftB8gW8OwM6J6jtbcjyYCBAChBGQrPsHAbyBffUCRogg5KMftVNyByLTQzvnHhPQo_6mlzTF=
vUnuzda32oGg7lNApdbfY2O1GyyPH8UQElD6C6fIjVRFDokErDMPAD8uJf9zIykNS4FwFgPhJ4e=
Ty9gTdCCQAEmAgvIyAMZA6petKcQsktF9" target=3D"_blank" alias=3D"instagram" st=
yle=3D"color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braz=
e-images.com/appboy/communication/assets/image_assets/images/65fb64594f39dd=
004c62621d/original.png=3F1710974041" border=3D"0" alt=3D"instagram" title=
=3D"instagram" width=3D"24" height=3D"auto" style=3D"text-align: center; wi=
dth: 24px; height: auto; outline: none; text-decoration: none; -ms-interpol=
ation-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://l=
ink.upgrade.com/f/a/LirI9fSLJNYOFfppEWd9YQ~~/AAQRxRA~/1lXDddAhSBzCsQtoLSpny=
sq-10CefKfEARG8Jrvva5TYG53trmqpXXQQqM7pWcRLLAdWCKyVx_umA4RoflIfpbXoyL-Mf9Ec=
P5SOvUKNYa__euvDrMKjyegNAVM7p0h4flbkbO9GO-1s2oFB62AFlZMnqm8nKt7WGOFrBaRa4bV=
B9_XPhMXrrabfpVvlRuvcu6uw8cBskLDRJJN4uij6CDnAlQnq7X11berX0YnKpAOIdCPjJeYEyg=
Vgk5OM0_WR" target=3D"_blank" alias=3D"blog" style=3D"color: #4899C4 !impor=
tant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
xt-size-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/communic=
ation/assets/image_assets/images/65fb6459172062004de47b44/original.png=3F17=
10974041" border=3D"0" alt=3D"blog" title=3D"blog" width=3D"47" height=3D"a=
uto" style=3D"text-align: center; width: 47px; height: auto; outline: none;=
 text-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; bord=
er-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, He=
lvetica, Arial, sans-serif; font-size: 12px; line-height: 16px; font-weight=
: 500; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"center">Please do n=
ot reply directly to this message as it was sent from an unattended mailbox=
. </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; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center">This e=
mail contains advertising content and was sent to <a href=3D"#" class=3D"di=
sabled-link" style=3D"font-family: Helvetica, Arial, sans-serif; font-size:=
 12px; color: #4899C4 !important; text-decoration: none; cursor: none !impo=
rtant; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;" alias=3D"user_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, san=
s-serif; font-size: 12px; line-height: 18px; color: #424242; mso-line-heigh=
t-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 emai=
ls=3F <a href=3D"https://link.upgrade.com/f/a/oXgNz3Ret-gyDjF252_l8A~~/AAQR=
xRA~/o1Kt4F-p3_SMonbCHJNnF4UylPXgMpRnBt9z53NeWUIkLFH4dLaAZCvtyrp37yG7fGPIjA=
wIKEOHUNdwVRE6YOz50ej7xVYjlAl2NRNF0FCYdc8nCK7zGt2Bu0Wnh5icAUNMRSsI1u9RtPLj3=
Xunz71FskHiJH2qAi8l2LOP9EjlHwJjKI6oViw-e8DMWo5GQ_Dk7ifKca2VdAEQfnfBuLrFIOJ4=
1-BJurPPThGlDnWyCJa3346ARJ25YYkPJBq0bhkHGvAayYMdgQK1gSCxAZYWba5BlSbTBEI8NCU=
KJCZn6ab1mXQDBfPRjGS17XIPvGHQY_ZTYgWKVdMgTV_4ICVuVBoa8ZxLnIcP-CnwYCKH5NvxiQ=
uG3Ihm7eb8asyy3JrNf712JaTF4W_g_jtNo-Vdn5Hefbi0IEGnHPbzvYsLOD1pLj0AvvRn0jkOS=
KSNBSdG8zCMNl1CS7Hh8sKikGL9WxWkEtN9tGDhEsWmB3cygle57IrrpJD0FuP-P1yEuR8qHHsL=
DNZGq3h8L5CkVNT8x0E46fS2g6DPe0MsY5Q6LBP-cWKSi9YkNs3_v88rf9IdPQ_rSmXpy-m_BvE=
3uwgIM8fSqYdgekcz-3TWgOcCg0sn5_iOUcxcwv6DqesyWUX1pE3RRU4DM_Deo5yklNl0yoeFct=
Zg0ep4FwDtiA8kR9ttqsqsdysAZhE1HnPXGRoW7zbuD_QybfNDZ43C97vIffVzTaC7i-wuF6cRX=
IOetVtdb1o1gu7mKZV-nFiL" alias=3D"Unsubscribe" style=3D"font-family: Helvet=
ica, Arial, sans-serif; font-size: 12px; color: #4899C4 !important; text-de=
coration: underline; vertical-align: top; display: inline-block; mso-line-h=
eight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
100%;">Unsubscribe</a> or <a href=3D"https://link.upgrade.com/f/a/y_gLNo8bR=
YPF83Ouaf49qg~~/AAQRxRA~/oWWYpvO6PjEhq9qJAzzspKPe-jIbCgu-loitEBDiNYZHqd8TZH=
Wxkl0QGPW4blmqdBx4DdvgLp6YULCmRqxpY1UvthxQB15YKHPwpMut3JR9YKlSeYvR538D8MLV5=
OUK_XDqdKF44sR6Jq0DE8OyaWcVtLSRlYIlXJvjjgEoO6wufoswf1H776f8ZuvYVV9avw9gDP96=
05NayTP_L7gxQ3eCoG4QNSq-8lv8MXqZ9RtfSlLVXYowcgADGjMK7P6-N9XOra3p8BDZu1s10qO=
NlAyD8f1hx6R7LRWut9cAFdn12gYqsbE7oTllPswsHvImP_DCh38W7cdHmGGIv7ovkf6QCf1dno=
KxxeO0kw7o55P96POXI08jiGzo0IvOS6wLCq64wfLotNs9YnRMySj2RFTShPCmoyS9vJN488z3w=
-2V5ZqMdhZputA99fHC_Gl8cYPI1lK7qF8EfBIuQ67ZSY8Uka6x4gamorLU5x6H00KIFtetd_xb=
wruqdnbC9E189S_1IDM2fPDJvJx9dYEYGGN-u9mzUWCtVif4jrIEmTZWSQ47m6IMpvIqEYaHO8g=
n8pwA1JvcVJDKtKq9riXyRc2PTyzlGLzbigKm_i0U72s13z4K6IvdSNdpDHQr2lrBpGqmmFcqIs=
OOon0iDw8bxckIne3nJ6qK4I95tXVGVjNYkM7Ik0CFGptGimnuBJ448B-JNcsLJDnGFDijRKyqG=
CYi1Zai3b0j8M9OYycvsIUAEAfPuCaCqdV59zkYvX9TA9JrxR1nFAA-li6rG4AgUb_zJLPN3ZJI=
SdQXVHWvey32NYD_ushTJQSqiRUXhKZlWHnomG4G0unI4ZxGmOFBNbiCEE2vypasbl5oCIZ7QYN=
uIfi4aBHdmVxcelJWOr5INbcooh3jT1eKmbGz1IkTwbc2aJrar4pP0HmW6tuqfOCv8CcKAizCqc=
EW0P0a9NhlH2psnbWyTB7urwlznqtC5xDiS8rSH2-56bOriY-moNkhrDqVxaYnHhhQ4JvoSe-eS=
zEvIP9AEEszGlBqCyeNMKwKIGtTaxKjwrdr_Iqp0_3guendw1Bq1LKF-pogRShzMpyKIKwRgRZ6=
rwPOoGmeOqxaSOyE0Dffqwod-VBD-D4~" 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/-5rPUl0_Cqwb7Kw18mMCYQ~~/AAQRxRA~/yjnt8nY7Q8LOZgdlAoPGIV4ElkF3COp0SSLbx=
NN1Ao45G8nmQGGfNUnPHSXsu90nzjfTt1noS2jr2-SEirncr9JvdLZwwT4GnUXBi29vr1HozwHv=
wHP-rniUP-QtbnOx" 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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