Envelope-to: info@sterlingcal.com
Delivery-date: Wed, 26 Mar 2025 15:03:43 -0500
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <AE.31.44700.49D54E76@i-004ec8db5af163ef3.mta1vrest.sd.prd.sparkpost>
To: info@sterlingcal.com
Date: Wed, 26 Mar 2025 20:03:32 +0000
Content-Type: multipart/alternative; boundary="_----i1uRZF0u2wvHSmz8ZeQYjQ===_CA/31-44700-49D54E76"
MIME-Version: 1.0
Subject: Reset your finances
Reply-To: noreply.email@upgrade.com

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=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     96=0ACheck your rate and ge=
t started on your goals today.=0A=0Aupgrade_logo ( https://link.upgrade.com=
/f/a/4olsFNyaVI1aGJojwzrZSQ~~/AAQRxRA~/bKd7S5P3I8RUeKbLzaMYCm_c82RFcE47XSdc=
LkbQFzyqtvjxAysl9G6raiVUo9Po1S2-Q9noQe-i8FKHbflihLhvTlYDS0WussfF_BWdzC0~ )=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A                     Start=0Ataking con=
trol of your debt=0AHi,=0AIf you=E2=80=99re looking to simplify and take co=
ntrol of your debt,=0Achecking your rate (=0Ahttps://link.upgrade.com/f/a/C=
u9vZjjvZ8fHotJyU4U7LA~~/AAQRxRA~/SlD-CxLGChUuAsD7ILzRWEqBuG556dXuxWytOggsAQ=
NYhXQzhW6DQweF2XCZHoBmfLf0qvpDif3z6rLMyZP9KmMfkIE7A3DfQSvM9MqPEyf7WtIp1q736=
9QeqBkgaq-ZJWSxmxOb2dx_MK4tyLPS-A~~=3Futm_source=3Ddecl_old&utm_medium=3Dem=
ail&utm_campaign=3Dsend05_a&utm_content=3Demail_link=0A) with Upgrade is a =
1-minute investment that could fast-track you=0Atowards paying off your deb=
t.=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f/a/CQ6psKoef=
vP9KMh4vJ42fg~~/AAQRxRA~/hePSHUFRd9HAOh2BVw78PghatC6lPbLavLTNarEVcEr05mWlLl=
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e5Xm8yQ1hBGplWiJQr4iuaWN_3h3PfPaUfaFjE3R6T9mutwaQhMtVnTW=0A)     =0A   We l=
ook forward to helping=0Ayou circle the date on your calendar that you=E2=
=80=99ll be debt free.=0AAll the best,=0AThe Upgrade Team              If y=
ou have questions, we're here=0Ato help.     support@upgrade.com           =
    Personal loans=0Amade through Upgrade feature Annual Percentage Rates (=
APRs) of=0A7.99%-35.99%. All personal loans have a 1.85% to 9.99%=0Aorigina=
tion 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=0Aexample, if you receive a $10,00=
0 loan with a 36-month term and a=0A17.59% APR (which includes a 13.94% yea=
rly 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 $341.4=
8.=0AOver the life of the loan, your payments would total $12,293.46.=0AThe=
 APR on your loan may be higher or lower and your loan offers=0Amay not hav=
e multiple term lengths available. Actual rate depends=0Aon credit score, c=
redit usage history, loan term, and other=0Afactors. Late payments or subse=
quent charges and fees may=0Aincrease the cost of your fixed rate loan. The=
re is no fee or=0Apenalty for repaying a loan early.=0A All loans, Personal=
 Credit=0ALines, and checking and savings accounts are provided by=0AUpgrad=
e's bank partners ( https://link.upgrade.com/f/a/jGWyhWjvunS7XO4v87zP3Q~~/A=
AQRxRA~/V1q3AiH8KWs-FmwuPT336_kIj2LK917v5O2EgrX2nMx3mCB5lqru06cVwn6UCUKZRBv=
uUVlRBBiD51w1zRYMaMsi4kh8O6-xsd8tPFZWuGCkkuBiU8NjDvBqmS7_C3uj ) . Upgrade V=
isa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are issued=0Aby Upgrade'=
s bank partners =0A( https://link.upgrade.com/f/a/jGWyhWjvunS7XO4v87zP3Q~~/=
AAQRxRA~/V1q3AiH8KWs-FmwuPT336_kIj2LK917v5O2EgrX2nMx3mCB5lqru06cVwn6UCUKZRB=
vuUVlRBBiD51w1zRYMaMsi4kh8O6-xsd8tPFZWuGCkkuBiU8NjDvBqmS7_C3uj ), pursuant =
to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) holds =
the following state licenses=0A=0A( https://link.upgrade.com/f/a/jg9pVo2nIW=
mxHWuLI_ULJQ~~/AAQRxRA~/14PLowtDSlPg0x-TyTUM4ocPe9b6aVEJOJUjfQ6169N-Zt4e5eO=
4Z2M_oIkJorsbHDA-IJeX9oYBrDiCVG1F0qQUd8urjxBk1BN17l7ia8vayy1bKREttVOqWFmE_e=
81Mitn6MQlYgg6rrdoWRFUOLz4B6yvcaVfKNNjz_tDwf0FUwtIc5VEEKPDNsWG-Mfzn5PHJWqHc=
UQ8kRQI9_1CAPWSaNh2aFsbCun1RXYmpxU~ )=0A and does business under the follow=
ing DBAs =0A( https://link.upgrade.com/f/a/4SwfDR3ebjNUiqwq_mhQYw~~/AAQRxRA=
~/duWSnqi34pXZPrYavFT-OLIMDKmkq1LSnJyRfaUr632L5aAj2NyEJKiUfQhRxlNDHJp8Y8Dey=
maFgThEPQzfl1zT6g_rkvCi3vp8HBBubv01o-XBIu-TU_IZ_DkX7508 ).=0A=0AUpgrade is =
a financial technology company, not a bank =0A( https://link.upgrade.com/f/=
a/qdOIL6Rm4K6td6n_UeM_Lw~~/AAQRxRA~/xptVsXoqthXatG6Y5u2byFTzmdJlggv1CKz-THa=
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hor )=0A. =0A   Accept your loan offer and=0Ayour funds will be sent to you=
r bank or designated account within=0Aone (1) business day of clearing nece=
ssary verifications.=0AAvailability of the funds is dependent on how quickl=
y your bank=0Aprocesses the transaction. From the time of approval, funds s=
ent=0Adirectly to you should be available within one (1) business day.=0AFu=
nds sent directly to pay off your creditors may take up to 2=0Aweeks to cle=
ar, depending on the creditor.=0A=0Afacebook =0A( https://link.upgrade.com/=
f/a/dW0nNEGqjt8p1cveW9D0_Q~~/AAQRxRA~/9lPwAaeCYIz_ZihPLDs7YRHtwTYxUFz52ke9B=
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DSEOKZ7eAkEYb4fXNNL1igSayVC6iXGscmNRXIfZgg6sBOjg-hsd60w9xzYRs0O7tXVqe )=0A=
=0Ainstagram =0A( https://link.upgrade.com/f/a/-OZLhyVDnMtWfHsLhEU9GA~~/AAQ=
RxRA~/9lPwAaeCYIz_ZihPLDs7YehvPK-AvJHMgSDS4EfWWRxzxih_VYcZvqyCqF5O61CqfhuVw=
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uYPtmL1faq7ywFTf0PWyICynW8MIkoI4Y-Mpj )=0A=0Ablog =0A( https://link.upgrade=
.com/f/a/h4wq1JOc1T3em_XUB-cxWQ~~/AAQRxRA~/qmxyK5iTwo-k9tmIHw-vPq2HSVS2maZ=
mgZzd2DSVgFPKiLrMABf0VVUvyym417VDKFdxb6ousyweo_e4EqmHyA5YTt5AG3oMF3kSCccUL9=
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hBUKaXZSR9bB7gL711NaPp9RmiLJwYxTCiwzq9C_IaBag0PZJRNpGSMq57tIyFrVaxpPiOIt3Iz=
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WN ) or=0AUpdate Preferences ( https://link.upgrade.com/f/a/27dXd98GT3pq64K=
sVYaGig~~/AAQRxRA~/VWsdcLvIPpOsHKc1tqHcI2-7nT7HcS9jDS9R-vJHFj0ab2Ueqr-CZ8Co=
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vQbbTRATglbd4v5ubP0vNGUdQ~ )=0AUpgrade      Upgrade is located at 275 Batte=
ry Street, 23rd=0AFloor, San Francisco, CA, 94111=0A=C2=A9 2025 Upgrade, In=
c. All rights=0Areserved.=0APrivacy Policy ( https://link.upgrade.com/f/a/b=
oPNJOhCumNojEf31GuEqg~~/AAQRxRA~/ALMoH4doQBK6vO6whf1zfZwaKeTulG-cFaGZ4SlrD1=
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QFSie4uJTCZ )=0A=0A   Equal Housing Lender=0A        PL_ITA_DECL_OLD_S5
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ble-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-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"mblHe=
ader" style=3D"width: 100%; max-width: 600px; border-collapse: collapse; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; min-width: 90% !important;">=0A  <tbody>=0A   =
 <tr>=0A      <td align=3D"center" valign=3D"top" style=3D"mso-line-height-=
rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 10=
0%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-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-ad=
just: 100%; padding: 0px;" valign=3D"top"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; m=
so-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -w=
ebkit-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: 100%; -webkit=
-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"https://link.up=
grade.com/f/a/4olsFNyaVI1aGJojwzrZSQ~~/AAQRxRA~/bKd7S5P3I8RUeKbLzaMYCm_c82R=
FcE47XSdcLkbQFzyqtvjxAysl9G6raiVUo9Po1S2-Q9noQe-i8FKHbflihLhvTlYDS0WussfF_B=
WdzC0~" style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; text-a=
lign: center; font-size: 20px; color: #4899C4 !important; text-decoration: =
none; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
xt-size-adjust: 100%;"><img alt=3D"upgrade_logo" border=3D"0" height=3D"33"=
 src=3D"https://braze-images.com/appboy/communication/assets/image_assets/i=
mages/63348ce6db77c73d707010e4/original.png=3F1664388326" style=3D"outline:=
 0px; width: 144px; height: auto; font-family: Graphik, Helvetica, Arial, s=
ans-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: upgrade_pl_ita_declined_old_send05_a-=
->=0A=0A<span style=3D"font-size: 0px; line-height: 1;">=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0A=0A=0A=0A<span style=3D"font-size: 0px; line-height: 0;">=
=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A  =0D=0A=0D=0A</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-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        =0D=0A =
       <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 40px 0;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" sty=
le=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tab=
le-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, Arial, serif; font-size: 24px; line-=
height: 32px; color: #0E680E; font-weight: bold; mso-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"=
left">Start taking control of your debt</td>=0D=0A                </tr>=0D=
=0A                <tr>=0D=0A                  <td style=3D"padding-top: 15=
px; font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22p=
x; 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: Helvetic=
a, Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 15px 0px 20px;" align=3D"left">If you=E2=80=99re looking=
 to simplify and take control of your debt, <a alias=3D"checking your rate"=
 href=3D"https://link.upgrade.com/f/a/IBBXThczse_xBxQFvBR19A~~/AAQRxRA~/Uwf=
qipAZkI7BsqbIJprr_1okngzlVK_2mdCgDJSBAEx8VmbnkuV7YO4AYpAQny-rv97sOhWye8S6z3=
M-oc_AMDUUBnbZP5p_EILufQq_RAklHjAbF09N_sbDlMMFMzl8kBDAUcyM3mvlgZYCWzaAoH4zz=
XaInJDSfH2cSWGJM-NP72UXNONBXxC8bzHoUU6si-GyigXYHa3jTbrz9Eze6ecyqG2qkAa4YjKz=
pe5KXuVPuQFqwEV--QlLFNqNofuh" style=3D"color: #4899C4 !important; display: =
inline-block; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">checking your rate</a> with Upgrade is a 1-m=
inute investment that could fast-track you towards paying off your debt.</t=
d>=0D=0A                </tr>=0D=0A                                =0D=0A  =
            <!--/BUTTON STARTS HERE-->=0D=0A              <span style=3D"fo=
nt-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, Helvetica, Arial, serif; font-size: 16px; line-he=
ight: 24px; color: #ffffff !important; mso-line-height-rule: exactly; -ms-t=
ext-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; b=
order-collapse: separate; -webkit-border-radius: 8px; -moz-border-radius: 8=
px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px solid #0=
E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A              <td hei=
ght=3D"45" style=3D"height: 40px; color: #ffffff; mso-line-height-rule: exa=
ctly; -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://l=
ink.upgrade.com/f/a/CQ6psKoefvP9KMh4vJ42fg~~/AAQRxRA~/hePSHUFRd9HAOh2BVw78P=
ghatC6lPbLavLTNarEVcEr05mWlLlHO1OmRmWFWLhMFscVvwVCzBtK3SFDNc4NGa9qVQezDcMLL=
1pgRSTgn3UP7DWovEklxbhe9zBzSF8AJBH0Jx49RguEEftzdX4Zpt3VldCYeuoJWgfnI4sfjRcJ=
7o6DBRhDz-Z1kclh1vk_TAH8oAd2Pe5Xm8yQ1hBGplWiJQr4iuaWN_3h3PfPaUfaFjE3R6T9mut=
waQhMtVnTW" style=3D"display: inline-block; font-size: 16px; line-height: 2=
4px; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; =
color: #ffffff !important; text-decoration: none !important; letter-spacing=
: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![=
endif]-->Check Your Rate<!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]--></a></td=
>=0D=0A          </tr>=0D=0A      </table>=0D=0A  </td>=0D=0A</tr>=0D=0A=0D=
=0A=0D=0A=0D=0A =0D=0A              <!--/BUTTON 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: exactly; -ms-text-size-adjust: 100%;=
 -webkit-text-size-adjust: 100%;" align=3D"left">We look forward to helping=
 you circle the date on your calendar that you=E2=80=99ll be debt free.</td=
>=0D=0A                </tr>=0D=0A              <tr>=0D=0A                <=
td style=3D"padding-top: 25px; 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">All the best,<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 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/jGWyhWjvunS7XO4v87zP3Q~~/AAQRxRA~/V1q3AiH8KWs-FmwuPT336_kIj=
2LK917v5O2EgrX2nMx3mCB5lqru06cVwn6UCUKZRBvuUVlRBBiD51w1zRYMaMsi4kh8O6-xsd8t=
PFZWuGCkkuBiU8NjDvBqmS7_C3uj" 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/jGWyhWjvunS7XO4v87zP3Q~~/AAQRxRA~/V=
1q3AiH8KWs-FmwuPT336_kIj2LK917v5O2EgrX2nMx3mCB5lqru06cVwn6UCUKZRBvuUVlRBBiD=
51w1zRYMaMsi4kh8O6-xsd8tPFZWuGCkkuBiU8NjDvBqmS7_C3uj" 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/jg9pVo2nIWmxHWuLI_ULJQ~~/AAQRxRA~/14PLowtDSlPg0x-TyTUM4ocPe9b=
6aVEJOJUjfQ6169N-Zt4e5eO4Z2M_oIkJorsbHDA-IJeX9oYBrDiCVG1F0qQUd8urjxBk1BN17l=
7ia8vayy1bKREttVOqWFmE_e81Mitn6MQlYgg6rrdoWRFUOLz4B6yvcaVfKNNjz_tDwf0FUwtIc=
5VEEKPDNsWG-Mfzn5PHJWqHcUQ8kRQI9_1CAPWSaNh2aFsbCun1RXYmpxU~" 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/4SwfDR3ebjNUiqwq_mhQYw~~/AAQRxRA~/duWSnqi34pXZPrYa=
vFT-OLIMDKmkq1LSnJyRfaUr632L5aAj2NyEJKiUfQhRxlNDHJp8Y8DeymaFgThEPQzfl1zT6g_=
rkvCi3vp8HBBubv01o-XBIu-TU_IZ_DkX7508" 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/qdOIL6Rm4K6td=
6n_UeM_Lw~~/AAQRxRA~/xptVsXoqthXatG6Y5u2byFTzmdJlggv1CKz-THaeGLePI6S4vOCeQa=
E74XU3ASxMoN9rmlQnwxdPMA6gYEA_UxXdEYW08fwwR2Mj6N6QJTa98F4yHeXye1GMR9UkCKRo1=
upsDxQhCjzC5UGocP4EbstWQ9ayFCsU9IOV6L5NGf3BMpFp9zZEu_1bIztCkhor" 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">Accept your loan offer and your funds will be sent to your bank or des=
ignated account within one (1) business day of clearing necessary verificat=
ions. Availability of the funds is dependent on how quickly your bank proce=
sses the transaction. From the time of approval, funds sent directly to you=
 should be available within one (1) business day. Funds sent directly to pa=
y off your creditors may take up to 2 weeks to clear, depending on the cred=
itor.</td>=0D=0A                  </tr>=0D=0A                  <tr>=0D=0A  =
                  <td style=3D"padding-top: 15px; font-family: Helvetica, A=
rial, sans-serif; font-size: 12px; line-height: 18px; color: #37383A; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 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-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-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-adju=
st: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;"><table bo=
rder=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-rspace: 0pt; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A        <tr>=0D=
=0A          <td align=3D"center" style=3D"mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0p=
x 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-=
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