Envelope-to: info@sterlingcal.com
Delivery-date: Thu, 20 Mar 2025 10:13:46 -0500
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <36.FE.36319.E903CD76@i-04e9b38c092c65eae.mta1vrest.sd.prd.sparkpost>
Subject: Open your 2025 loan invitation
To: info@sterlingcal.com
Date: Thu, 20 Mar 2025 15:13:34 +0000
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Reply-To: noreply.email@upgrade.com

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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0ASimple and fast applic=
ation to check your rate with no=0Aobligations.=0A=0Aupgrade_logo ( https:/=
/link.upgrade.com/f/a/uxRcGwX7NxTzEfIb-otK7g~~/AAQRxRA~/GOdSx-iM1XygZ4aAUNd=
O3cHtT3AK3J0kVgyceiXq9ZeOf8klsqQW67JOF-eiPyZGxENb5VN7Av8gj-8wV874xmd0DMeWcE=
nKgQvJM_Fgm_A~ )=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/U8xFWrU7yzqnET1OLkssIg~~/AAQRxRA~/8g5fWKBI5tTjs3_BAxSHCZd7TSWRH3UP06lv=
l5wbyUoeFd5tN5cDKuoPFjo8aqEY4scF-7i7i4bPL6H12-4PpQm0XAgi9d5IY4b5VyJqQhpExES=
UL1Zayr5jCIpbmzJzSz2a0fyY-E9yGE_EKxHZR0hkiP18z0z98spbi6C8eaFSYRboGawOFeFAGv=
iAlpbCzHcWxSpeHJTWdKFqKnV9Ox22_Ddj1WP2fpvn3i23UMlAQ8qrVNXH7hxZY-0oq_Fw=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/YjwGYKoUdA4kFy0HrEQDew~~/AAQRxRA~/zeqFnfq1yxsAEOV8Z4KygN7iv3WzAf7U7VeY=
SdQZG4padsksnF5VRx6dIAeze3e7_GRd0F61UkOmdmDCuPlAdqXGDVSeBfGKVfDG6VFm-8DmIeN=
KfoBOAbE2AHtC8eaOk-WGn6doIFVd1kXb_MUPgg~~=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/WjDbaWKjho6mjpLwehUQUg~~/AAQRxRA~/=
ipo6en2PxFiEsKuKmsaFvzbfNuqrboGoaxHJ6GMnOcz6EjnIvzTQcXY-gbTXfqKZ-KTI2sf0DY7=
c4rPK11Q3jPzL_scgQCrNeorWXhhX55Rr6MAxQr-PZ5s_TEbyFIU2 ). 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/WjDbaWKjho6mjpLwehUQUg~~/AAQRxRA~/=
ipo6en2PxFiEsKuKmsaFvzbfNuqrboGoaxHJ6GMnOcz6EjnIvzTQcXY-gbTXfqKZ-KTI2sf0DY7=
c4rPK11Q3jPzL_scgQCrNeorWXhhX55Rr6MAxQr-PZ5s_TEbyFIU2 ), 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/pSKU1tAwYxJPEziqQXk=
Q1A~~/AAQRxRA~/vkTDfTvnT_DJ5AjkY27NqCjs3Prg5NhNRPzHbOwwAlZQhrxzWCLzIwVl8m-H=
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66QaxsTIDM87U4SrXqwlQdhig~ )=0A and does business under the following DBAs =
=0A( https://link.upgrade.com/f/a/3WAAvDT8EHUIhMEYdWDz6g~~/AAQRxRA~/0Fr5tls=
SexAA7LgkBetiOvv9XOweHQYQNv4xdY8TMIoIIEIF-RGBRM9E3zprvwT13bLQ13Zu7vvls0dkH2=
3SNLyVz8ZIp0dlXdO4gWrKSi30cqFSLuaLOdrA86WH_jLD ).=0A=0AUpgrade is a financi=
al technology company, not a bank =0A( https://link.upgrade.com/f/a/121Rdfc=
BL0O8qz8kdtIdCg~~/AAQRxRA~/bwVpIbJzqnSfOlRuv1O3Onv5NHKhUYfcKG6u0aYAn3roJLu2=
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WWsoLlXvKhBtMd1w5edi5xAI4nDY4aWG1UbqEbRmuSPMoIu9WhJcCrZjT8t0dsB8AFp8b )=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/vOQ7=
gZEspdpNpTybTXvyUw~~/AAQRxRA~/R4_OfPmRQh-vouP4WD-A3iWlK6R0j3skxAwpl75TiAPWb=
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NotrxCuQg9elLkf9IHJ4YTE_QBsR8oUKgtpXTRlvaz2mL9EWx9sVbRhePMN13 )=0A=0Ainstag=
ram =0A( https://link.upgrade.com/f/a/bwNOsHfOZJ0zkqZpeP4rGw~~/AAQRxRA~/R4_=
OfPmRQh-vouP4WD-A3mHxdm_BkY0b_kHQdw2wNijdnO9wbVCWiSV1uPO5nOBzvQqlkjICeGd0rs=
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FY9STnKRgAJwtdK_Gnui8HfU7aQ- )=0A=0Ablog =0A( https://link.upgrade.com/f/a/=
zNAmdQlyf12sia8aD6_GzQ~~/AAQRxRA~/3AdJQIZb32Nl3ZBpG8Nvd108o9gB-ynpecpbYH7Yd=
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HohKfBUvKXeZrToM69EF6iepVkBzf-g1SrzA-xoOasHoG60XOddFfsNIPaknmVhKE )=0A     =
  Please do not reply directly to this message as it was=0Asent from an una=
ttended mailbox.    This email contains=0Aadvertising content and was sent =
to=0Ainfo@sterlingcal.com ( # ) based on your=0Acommunication preferences. =
   No longer want to receive these=0Aemails=3F Unsubscribe ( https://link.u=
pgrade.com/f/a/sngkCWv-38-J5hmnGp0n0g~~/AAQRxRA~/NFfKBYYaHyDQWn5RfecbpEE9Fr=
A3GNJwi7_Mscral7nv1TpLyy4Yx_tN4qe53G7qYbfv28Hj6R1eKoK6fTsU8ChOhvSEgP-dMtLLD=
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gvxmADm4yyRwP0DLMp_sKfS0Je9A0yD5fDRtogZX9hRdxs7S-BljVZnUfXcy9KtV_dQ ) or=0A=
Update Preferences ( https://link.upgrade.com/f/a/KBNgJk1Ze-Qpc7TrNXGYzQ~~/=
AAQRxRA~/B30M5Me_qXj-U0VZvFYfyDB1Dz_zEfa9l3A91LRvPJb1C5HYnf1E2ScFwxpVG2dNT7=
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totXVGTk1NkVXwE~ )=0AUpgrade      Upgrade is located at 275 Battery Street,=
 23rd=0AFloor, San Francisco, CA, 94111=0A=C2=A9 2025 Upgrade, Inc. All rig=
hts=0Areserved.=0APrivacy Policy ( https://link.upgrade.com/f/a/UnT6L10DAE1=
lPWZcDCfMng~~/AAQRxRA~/kDQ0LbarzwbObFs7Pbj6wVNa3zxFYnGwvAwthaWPAXLj4iE9BMfx=
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i )=0A=0A   Equal Housing Lender=0A        PL_ITA_DECL_OLD_S7
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=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/uxRcGwX7NxTzEfIb-otK7g~~/AAQRxRA~/GOdSx-iM1XygZ4a=
AUNdO3cHtT3AK3J0kVgyceiXq9ZeOf8klsqQW67JOF-eiPyZGxENb5VN7Av8gj-8wV874xmd0DM=
eWcEnKgQvJM_Fgm_A~" 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/U8xFWrU7yz=
qnET1OLkssIg~~/AAQRxRA~/8g5fWKBI5tTjs3_BAxSHCZd7TSWRH3UP06lvl5wbyUoeFd5tN5c=
DKuoPFjo8aqEY4scF-7i7i4bPL6H12-4PpQm0XAgi9d5IY4b5VyJqQhpExESUL1Zayr5jCIpbmz=
JzSz2a0fyY-E9yGE_EKxHZR0hkiP18z0z98spbi6C8eaFSYRboGawOFeFAGviAlpbCzHcWxSpeH=
JTWdKFqKnV9Ox22_Ddj1WP2fpvn3i23UMlAQ8qrVNXH7hxZY-0oq_Fw" 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/gjAA0sHtCnBvsuLhuISqPw~~/AAQRxRA~/zuksUQ9=
kcpkJaqdfqWU52MDesxdNmWH6vadyRU6JJy-7OprhgOyLOWbPMsJ5k3vlpcJczRS7tqrVFnyUCr=
3t5ibLYA2Zd2RNpCPNnM7uhMfIsz6OOU30-elb1SyavTGXRFxZdEDTtv9Eq21gT9nleP4Ev3haX=
9myEKpWv4Qqim2yn_xwmMxwh4erUs0RzPfxUsgla2PqJ0Isa0P5iOTXjiNbICcHuHP6laf1VKmf=
QLDLwYF8fJw8tFluPGFzj3yy" 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/WjDbaWKjho6mjpLwehUQUg~~/AAQRxRA~/ipo6en2PxFiEsKuKmsaFvzbfN=
uqrboGoaxHJ6GMnOcz6EjnIvzTQcXY-gbTXfqKZ-KTI2sf0DY7c4rPK11Q3jPzL_scgQCrNeorW=
XhhX55Rr6MAxQr-PZ5s_TEbyFIU2" 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/WjDbaWKjho6mjpLwehUQUg~~/AAQRxRA~/i=
po6en2PxFiEsKuKmsaFvzbfNuqrboGoaxHJ6GMnOcz6EjnIvzTQcXY-gbTXfqKZ-KTI2sf0DY7c=
4rPK11Q3jPzL_scgQCrNeorWXhhX55Rr6MAxQr-PZ5s_TEbyFIU2" 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/pSKU1tAwYxJPEziqQXkQ1A~~/AAQRxRA~/vkTDfTvnT_DJ5AjkY27NqCjs3Pr=
g5NhNRPzHbOwwAlZQhrxzWCLzIwVl8m-HuQzy6Mlkj_1rc0tTqRzzXxuRrJOuytwV3CDvvwCjd2=
khx7_MshFvA8TdMvH672oYOHVniqBTKgoHYVUy2100RllowMZElzdKGbTrXXbtzhrlWI5eL2RUO=
h7Q7sTmyBC4gPIuVFmfNhvg3rZfRXS9Q366QaxsTIDM87U4SrXqwlQdhig~" 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/3WAAvDT8EHUIhMEYdWDz6g~~/AAQRxRA~/0Fr5tlsSexAA7Lgk=
BetiOvv9XOweHQYQNv4xdY8TMIoIIEIF-RGBRM9E3zprvwT13bLQ13Zu7vvls0dkH23SNLyVz8Z=
Ip0dlXdO4gWrKSi30cqFSLuaLOdrA86WH_jLD" 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/121RdfcBL0O8q=
z8kdtIdCg~~/AAQRxRA~/bwVpIbJzqnSfOlRuv1O3Onv5NHKhUYfcKG6u0aYAn3roJLu2CCJ8p4=
_4E3f0gtnEE6cxk9Q0hoYdjKBo-AMb2tzEbXq4WmZccUcktGfSf0sCtiOp9c-Ba4lwgvWWWsoLl=
XvKhBtMd1w5edi5xAI4nDY4aWG1UbqEbRmuSPMoIu9WhJcCrZjT8t0dsB8AFp8b" 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=
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