Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id 2K1bLa/X4WdfiA4AchKAPA (envelope-from ) for ; Mon, 24 Mar 2025 17:07:43 -0500 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Mon, 24 Mar 2025 17:07:43 -0500 Received: from bz1170.e.upgrade.com ([223.165.123.182]:9302) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1twpxP-000000042Zm-0EHH for info@sterlingcal.com; Mon, 24 Mar 2025 17:07:43 -0500 X-MSFBL: 2+7RgFlI0NbRl0M4fbt0JOK9OHX/FpdoLihHscP2Xxo=|eyJ0ZW5hbnRfaWQiOiJ zcGMiLCJjdXN0b21lcl9pZCI6IjI2NjY5MyIsInN1YmFjY291bnRfaWQiOiI1MzM iLCJtZXNzYWdlX2lkIjoiNjdkY2E0ZDdlMTY3MGY3ZjFlMGYiLCJyIjoiaW5mb0B zdGVybGluZ2NhbC5jb20ifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com; s=scph0422; t=1742854052; i=@e.upgrade.com; bh=pZBAI8BlOrRA7IRBWbEgn1aVjzZtAP+ImJb+keYjIWU=; h=From:Message-ID:List-Unsubscribe:Subject:List-Unsubscribe-Post:To: Date:Content-Type:From:To:Cc:Subject; b=su3BdZ6HO1m/8wxUNj0Xu3FAhs/sqAFm2Mds2OTv0wIbhEWtzV8CMOskMRkGCqe5g RdKOBOkZnXrIWSfb7slbb/FJ3va2Y5ugqur5vBo4nqTmEfXpRoh1yCnXwwHxcgHYNt mAf/DXBjYt4Jz8RQ8/IvkWrc25VWgZIpr+kR00Ug= Received: from [10.90.39.249] ([10.90.39.249]) by i-0a82f80834df9d472.mta1vrest.sd.prd.sparkpost (ecelerity 4.8.0.74368 r(msys-ecelerity:tags/4.8.0.17)) with REST id F0/E9-54537-4A7D1E76; Mon, 24 Mar 2025 22:07:32 +0000 From: "Upgrade" Message-ID: List-Unsubscribe: , Subject: Check out OneCard from Upgrade List-Unsubscribe-Post: List-Unsubscribe=One-Click To: info@sterlingcal.com Date: Mon, 24 Mar 2025 22:07:32 +0000 Content-Type: multipart/alternative; boundary="_----x/5k6s4kgiBhnjMRlfxKaQ===_BE/D9-54537-4A7D1E76" MIME-Version: 1.0 Reply-To: noreply.email@upgrade.com X-Spam-Status: No, score=-4.3 X-Spam-Score: -42 X-Spam-Bar: ---- X-Spam-Flag: NO --_----x/5k6s4kgiBhnjMRlfxKaQ===_BE/D9-54537-4A7D1E76 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset="UTF-8" You decide which purchases you want to Pay Now with no interest,=0Aand whic= h to Pay Later over time at a fixed rate=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A= =0A=0A Upgrade 96=0Aupgrade_logo ( https://link.upgrade.com/f/a/O= 6sH7U68WGh8aPdFYLZlQw~~/AAQRxRA~/aibbbJZKYK87DZ9NpOjeJ2slS1JJfKsO5WUZkSQgpd= X7LZRZKDOhaa6jLK6spOOvyaZlX4cz90jkBiVJlHA7KZ-QVHtx1kyqJdANkw36aiE~ )=0A=0A= =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0ADo you use different cards for your = daily purchases and higher=0Acost items=3F With Upgrade OneCard you finally= have one card for=0Aeverything. You decide which purchases you want to P= ay Now with=0Ano interest, and which to Pay Later over time at a fixed rate= .1=0AAnd you enjoy great rewards on all your purchases when you pay=0Athem= back. =0A=0A=0A=0AFind Out More (=0Ahttps://link.upgrade.com/f/a/BuNVmRQ= z-VikOrb2EP3UOw~~/AAQRxRA~/p8v0gAyvwgxjNdME2BI1ckOqVm2NvJg71mk0PujWUOYqCAbi= ZnqIZJcCS_ehMdyb6fH_bgva3JTaRRJPmzn1u8E-rh1L13tPdq7pk_QmYf9Jb4byXzmVCKYE8Gb= GuyD9knlJ9Zd1zH17H_50PjI9cfbhy9rbS3-MoHOBuKbFsfv2EvLzRWXH0L5F62B3N1ZSJoZGJ8= dV2g2FzNe9ffa9rPW8cB9cqgWjNxqwq_99c20~=0A) =0A Use Upgrade Card where= ver=0AVisa=C2=AE is accepted2 or have funds sent to your bank account.=0ATh= anks,=0AThe Upgrade Team If you have questions, we're here=0At= o help. support@upgrade.com 1 Pay Now is an=0Aoptional f= eature of OneCard that allows you to designate specific=0Apurchases or ATM = transactions to be automatically paid off the=0Aday after the transaction s= ettles. To make use of Pay Now, you=0Amust (1) activate the =E2=80=9CPay No= w Purchases=E2=80=9D setting and tell us=0Awhich purchase amounts you would= like to designate as Pay Now=0A(for example, all purchases of $25 or less)= and/or (2) activate=0Athe =E2=80=9CATM Access=E2=80=9D setting, which will= treat all ATM transactions=0Aas Pay Now regardless of the transaction amou= nt. If you do not=0Aactivate ATM Access, any request for an ATM transaction= will be=0Adeclined. Each transaction will be processed as a credit=0Atrans= action, but while you will not be charged interest on any=0Atransactions th= at you pay off using Pay Now, transactions=0Adesignated as Pay Later will a= ccrue interest as described in your=0APersonal Credit Line Agreement. Even = after you make a purchase or=0AATM transaction, you may change the designat= ion of that=0Atransaction from Pay Now to Pay Later, or vice versa, up unti= l=0A12pm Pacific Time the day after the transaction settles. Every=0Aday at= 12pm Pacific Time, we will initiate one-time debits to=0Ayour designated b= ank account to pay off the prior day=E2=80=99s settled=0Atransactions that = were designated as Pay Now. If any debit fails=0Afrom the primary bank acco= unt that is designated in your Pay Now=0Astanding authorization, the debit = will be initiated from the=0Asecondary bank account that is designated (if = any) therein. You=0Amay cancel a Pay Now payment up until 12pm Pacific Time= by simply=0Achanging that day=E2=80=99s Pay Now transactions to Pay Later = through=0Ayour Upgrade dashboard or mobile app. If a Pay Now debit is=0Aret= urned by your bank, we will switch the underlying transactions=0Ato Pay Lat= er, and those transactions will accrue interest as of=0Athe original transa= ction date. Designating a transaction as Pay=0ALater gives you the flexibil= ity to pay balances back over time=0Awith a fixed payment period. 2=0A E= xcept for Upgrade OneCard,=0Ayour Upgrade Card is not an ATM card and canno= t be used for=0Atransactions requiring a PIN =0A All loans, Personal Credit= =0ALines, and checking and savings accounts are provided by=0AUpgrade's ban= k partners ( https://link.upgrade.com/f/a/axmpkH844y9jZ3uz8WRgWA~~/AAQRxRA~= /cBrDVaAUYMFPpxQcqtacvtK_d9I2g4W9dwM-LlSo1V_lI_vcDZIQGElkhEiEckMaXuCW-gbVn5= urOpzFfNs0m8UTQGjJKhvFmzyNjsgPMItFEiopIf3TnNnZcWJdY40T ) . Upgrade Visa=C2= =AE Cards and Upgrade Visa=C2=AE Debit Cards are issued=0Aby Upgrade's bank= partners =0A( https://link.upgrade.com/f/a/axmpkH844y9jZ3uz8WRgWA~~/AAQRxR= A~/cBrDVaAUYMFPpxQcqtacvtK_d9I2g4W9dwM-LlSo1V_lI_vcDZIQGElkhEiEckMaXuCW-gbV= n5urOpzFfNs0m8UTQGjJKhvFmzyNjsgPMItFEiopIf3TnNnZcWJdY40T ), pursuant to a l= icense=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) holds the fo= llowing state licenses=0A=0A( https://link.upgrade.com/f/a/B5HhELfzOMTbfK4j= iHF18g~~/AAQRxRA~/ce4i5SDakGTbM1DcaDEnfpXX3XCOj-lwZbGidOp88P6PCF55AUz_eTsax= jRmspNSd2gFm1wc78GLb-PQd2xN_Um7KrTqSfFY-zjuTtB9AeIYmF4ct3MNkNvaZWa0jv-JyXoi= kiTQgHTQdNUsI7yPar6WIvofkovX55mxVTqWnyRdHjjcE4Z62BWyWr8g2m-rrJhs5za5g9wOyG3= 8nXa6wGNltSkfAI-cnjhB-iHexjY~ )=0A and does business under the following DB= As =0A( https://link.upgrade.com/f/a/CBmA8wxflgCSV9wOSl72Lw~~/AAQRxRA~/00_f= 4ZtkauOzh1f1ZgYfQ0Q1iXkrtduNPVIpX4IgoioB9SUFGUjGC95dira3rXuIpPWpv4auDNhIXRk= BmrVhIS83dW8DknLj9HkroRlSrM8f4hiektOPx5ma9uLWxD7M ).=0A=0AUpgrade is a fina= ncial technology company, not a bank =0A( https://link.upgrade.com/f/a/c1to= Voi9vkiYwjFTBz4jMw~~/AAQRxRA~/8zmFMiC2pqPa4_Opvfzm5jkO_-7i43Qfb5vT3g66p_k9U= LKdSSH3ObjIRnYzl3S0w_HZ0MySl8E51YoFiPhkSbvYa55nyCdSVjEIHqW_F4pPh72yYfXAKseu= bLBEgS3ghnkYSTHfdB8HekThizoSSQMKogcJVPiHA2T4S9UwzAXRPvP0MYf-HbmyPipb1OJJ )= =0A. =0A facebook =0A( https://link.upgrade.com/f/a/yI9vBYJYlts7= gcECPhAzCQ~~/AAQRxRA~/1RiaIctVOzCONghTBuJnQp_wJ2M3BkgYXWSyLpBNriyBNZZKDDG83= 3w-vt19NgQAsbtZkWaQWczZ-eqnpAUXSnu9ZGrraw7bWX2rbhVRr5d4WDcQrGudxTeN41cPz-XQ= lQ1bxhfNp1ce1byEFIsmATv0xtXLh8XVbwLrpvgHrk58LSpm_nYNBAkyzckYaEGlnDXtBIFq6ZP= mM7joXn_nQaDewj9uXHaintsf5hEqEb97e-TQqJqJHkWkqHGx_dzI )=0A instagram =0A(= https://link.upgrade.com/f/a/EE2VdJpQxZE391BUAYIO5Q~~/AAQRxRA~/1RiaIctVOzC= ONghTBuJnQo6I7pNWw9WONwMwdrio-U8j8lfhciZD5_x4FbD_NtfzyydsTrH7mp0gaG36yFUouy= ii0GZbnLQmIIWqDhbwVGDya7HsccJYzdMeF6a_PbOsQzAE4DzywuxnapaPOtTlXoN3rck3MbpUL= 5clQNp3FV5_8lVgAaOrpBpyvtBMJBFOH07UGEMeRpMeYxZ6CUFJ_ABYCfYnDSPEAcPjv3wRCAWT= fTeangcTciueOQRNyTma )=0A blog =0A( https://link.upgrade.com/f/a/rieufVZG= tHAoPg3VghxuAA~~/AAQRxRA~/LZSVWEL6GZlQQ6IsP8CaoCnTIljadsXnNvDpPlzp2Ws6zv6qx= mMqhWqoNnShSvkBOArAOgR6o3SgMIsMJ5rPCX9kt9ONYqWeB9xyDVlSPxR5rM3KoGtNhGnRvf17= 81enW9uSxbgDEAunP8mHEDv4QHypUM0qqd7r8sLXrfBUL1yHAH-tT45WvnW3-7EJxMvptOUij93= lohBq2M5POy4M_MIOZr7tsbBVQwZbZB5_drPJhqQaYsagBdWt6HKQnZno )=0A Please= do not reply directly to this message as it was=0Asent from an unattended = mailbox. 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All rights= =0Areserved. Privacy Policy ( https://link.upgrade.com/f/a/HZkbLplddD9g= xpVtYqI-Hg~~/AAQRxRA~/F_49A_2XQXyLmC6eORxWjdbRF41D2w5FbAC2j5n8kqeDPDQQbYmRc= lJ5JP24SuKNpGNEsTsyu-YKihLd33276EypsxrqurVjYE7lu_AgANF1fDUX-X_c9L_fR2q3mEa7= )=0A=0A Equal Housing Lender=0A=0AC_DECL_XPL_OC_S02 --_----x/5k6s4kgiBhnjMRlfxKaQ===_BE/D9-54537-4A7D1E76 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="UTF-8" =0A=0A=0A=0A=0A=0A=0A=0A
You decide which pu= rchases you want to Pay Now with no interest, and which to Pay Later over t= ime at a fixed rate
=0A
=CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F = =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF= =BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 = =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2= =80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB= =BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F = =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF= =BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 = =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2= =80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB= =BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F = =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF= =BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 = =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2= =80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB= =BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2= =A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F = =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF= =BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 = =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2= =80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB= =BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2= =80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80= =8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF = =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80= =87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C = =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD= =8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 = =EF=BB=BF =CD=8F =E2=80=8C =C2=A0 =E2=80=87 =EF=BB=BF
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=0AHi,
Do you use different cards for your dail= y purchases and higher cost items=3F With Upgrade OneCard you finally have = one card for everything.
You decid= e which purchases you want to Pay Now with no interest, and which to Pay La= ter over time at a fixed rate.1 And you enjoy great rewards on all your purchases when you pay t= hem back.
=0A=0D=0A =0D=0A =
Find Out More=0D=0A
=0D=0A
= Use Upgrade Card wherever Visa=C2=AE is accepted2 or have funds sent to your bank account.=0A
Thanks,
=0A = The Upgrade Team
=0A =0A =0A =0A =0A =0A =0A =0A =0A =0A= =0A =0A =0A =0A
=0D=0A =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A = =0D=0A
If you h= ave questions, we're here to help.=0D=0A
=0D=0A support@upgrade.com=0D=0A
=0A = =0A =0A =0A =0A =0A =0A =0A = =0A =0A =0A =0A =
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=0A1 Pay Now is an optional feature of OneCard that al= lows you to designate specific purchases or ATM transactions to be automati= cally paid off the day after the transaction settles. To make use of Pay No= w, you must (1) activate the =E2=80=9CPay Now Purchases=E2=80=9D setting an= d tell us which purchase amounts you would like to designate as Pay Now (fo= r example, all purchases of $25 or less) and/or (2) activate the =E2=80=9CA= TM Access=E2=80=9D setting, which will treat all ATM transactions as Pay No= w regardless of the transaction amount. If you do not activate ATM Access, = any request for an ATM transaction will be declined. Each transaction will = be processed as a credit transaction, but while you will not be charged int= erest on any transactions that you pay off using Pay Now, transactions desi= gnated as Pay Later will accrue interest as described in your Personal Cred= it Line Agreement. Even after you make a purchase or ATM transaction, you m= ay change the designation of that transaction from Pay Now to Pay Later, or= vice versa, up until 12pm Pacific Time the day after the transaction settl= es. Every day at 12pm Pacific Time, we will initiate one-time debits to you= r designated bank account to pay off the prior day=E2=80=99s settled transa= ctions that were designated as Pay Now. If any debit fails from the primary= bank account that is designated in your Pay Now standing authorization, th= e debit will be initiated from the secondary bank account that is designate= d (if any) therein. You may cancel a Pay Now payment up until 12pm Pacific = Time by simply changing that day=E2=80=99s Pay Now transactions to Pay Late= r through your Upgrade dashboard or mobile app. If a Pay Now debit is retur= ned by your bank, we will switch the underlying transactions to Pay Later, = and those transactions will accrue interest as of the original transaction = date. Designating a transaction as Pay Later gives you the flexibility to p= ay balances back over time with a fixed payment period.
=0A2 =0AExcept for Upgrade OneCard, your Upgrade Card is not an ATM card and= cannot be used for transactions requiring a PIN=0A
=0A All loans, Personal Credit Lines, and checking and savings = accounts are provided by Upgrade's bank partners. Upgrade = Visa= =C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are issued by Upgrade= 's bank partners, pursuant to a license from Visa USA Inc.=
=0A
=0AUpgrade, Inc. (NMLS #1548935) holds the following state licenses and does business un= der the following DBAs.
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=0AUpgrade is a finan= cial technology company, not a bank.=0A=0A
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Ple= ase do not reply directly to this message as it was sent from an unattended= mailbox.
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