Envelope-to: info@sterlingcal.com
Delivery-date: Wed, 09 Apr 2025 16:06:49 -0500
To: info@sterlingcal.com
Message-ID: <3B.00.24198.D51E6F76@i-0179c6e5320c7de88.mta1vrest.sd.prd.sparkpost>
Date: Wed, 09 Apr 2025 21:06:37 +0000
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From: "Upgrade" <email@e.upgrade.com>
Reply-To: noreply.email@upgrade.com

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Upgrade can get you access to funds fast=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A      Upgrade     96=0A( https://link.upgrade.com/f/a/Z4wWOB5m3aeK=
Xbly9pnAyQ~~/AAQRxRA~/qv8m4_--9SvFjdRFj7EpdIa8CdGB1ENd44chKXjg0309grxMPH31Y=
PxgMfF23lS5aYVh4_1-hmXgicqogjo-58EW2jfBfHrusqsXylM6Q1k~ )=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0A=0AHi,=0AStart taking control of your debt   Just checkin=
g in to see if=0Ayou=E2=80=99re still in the market for a=0Apersonal loan=
=3F It=E2=80=99s easy to check your=0Arate again at Upgrade and see what yo=
u qualify for.=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f=
/a/Y3y9YL9vYIo3QKfTukCwTA~~/AAQRxRA~/DmZdzKJkYue9M0PfXBlAjMAw9iA5qslkkhS1N1=
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tFHV2yTG_Ps1P8P53Oc0l1oSvcFjPA0gkkzepfp8mx03qXka3FmatNt2kjuDr5tUpqCfQ9Rpxfi=
PscAN2jEV95dVsMb-mvnE9m3mY1wX21_RmvU1mFguwi6Tu8syHsSxFzLaD6D9BIMbVQx=0A)   =
  =0A  Checking your rate only takes=0Aa moment and it won=E2=80=99t impact=
 your credit, so it never hurts to=0Atake a moment and see what you qualify=
 for.   Thank you,=0AThe Upgrade Team                  If you have question=
s, we're=0Ahere to help.     support@upgrade.com                   1=0APers=
onal loans made through Upgrade feature Annual Percentage=0ARates (APRs) of=
 7.99%-35.99%. All personal loans have a 1.85% to=0A9.99% origination fee, =
which is deducted from the loan proceeds.=0ALowest rates require Autopay an=
d paying off a portion of existing=0Adebt directly. Loans feature repayment=
 terms of 24 to 84 months.=0AFor example, if you receive a $10,000 loan wit=
h a 36-month term=0Aand a 17.59% APR (which includes a 13.94% yearly intere=
st rate=0Aand a 5% one-time origination fee), you would receive $9,500 in=
=0Ayour account and would have a required monthly payment of=0A$341.48. Ove=
r the life of the loan, your payments would total=0A$12,293.46. The APR on =
your loan may be higher or lower and your=0Aloan offers may not have multip=
le term lengths available. Actual=0Arate depends on credit score, credit us=
age history, loan term,=0Aand other factors. Late payments or subsequent ch=
arges and fees=0Amay increase the cost of your fixed rate loan. There is no=
 fee or=0Apenalty for repaying a loan early.    Accept your loan offer and=
=0Ayour funds will be sent to your bank or designated account within=0Aone =
(1) business day of clearing necessary verifications.=0AAvailability of the=
 funds is dependent on how quickly your bank=0Aprocesses the transaction. F=
rom the time of approval, funds sent=0Adirectly to you should be available =
within one (1) business day.=0AFunds sent directly to pay off your creditor=
s may take up to 2=0Aweeks to clear, depending on the creditor.    All loan=
s, Personal=0ACredit Lines, and checking and savings accounts are provided =
by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/xXw_VSooL9NHgIs=
qnGfJ6A~~/AAQRxRA~/Qu3iGIkxbug9PLLAFZbfu_WpjZCuOupPE6R_2tYxC900xwGBpJZUsQ0u=
-O___grvuBaNzmBv3-InXmfXqgKvvbtY64CPFynoJcp-6-y7ZKls9x2bHQ5LLal52B8wMdTm ) =
. 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/xXw_VSooL9N=
HgIsqnGfJ6A~~/AAQRxRA~/Qu3iGIkxbug9PLLAFZbfu_WpjZCuOupPE6R_2tYxC900xwGBpJZU=
sQ0u-O___grvuBaNzmBv3-InXmfXqgKvvbtY64CPFynoJcp-6-y7ZKls9x2bHQ5LLal52B8wMdT=
m ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1=
548935) holds the following state licenses=0A=0A( https://link.upgrade.com/=
f/a/JjL2Ow-3Rx_lCPltYZbZLA~~/AAQRxRA~/6NK4tjQlc_0ckd88fqBDKDSEOKhyCAku0EHBO=
1pF_t4wQ7adoKlcVNyLueUxilbZ5dTcU0d32IM4AbKPniNLc0UMO-jj5ya8fZdBbz307AvMB7K2=
c6H_u-S4EWbPXC37ftu91QgCjaWfVYtyQGnB6RWMwZ-zjmg0-Uom-M-edKzZirjS_oBjshawkfC=
VGSM7zhAauWv09rTWxVmIt_jPTbC_4uGpHSa6kjwptC11CuY~ )=0A and does business un=
der the following DBAs =0A( https://link.upgrade.com/f/a/x_HpXzrDcSYY-WxjFo=
24-Q~~/AAQRxRA~/J1LlPPGJnjz1AUlm1iOUGMAqeb93mS-jxIlh1H0adFFoKwC2ZhtEUa66IOG=
1oitVI6fI92AL_MaTLw1ciK_mYiHqMi6lQOo1994tHi8-iN4_WOOcQjSmzKAda4Pr3YkW ).=0A=
=0AUpgrade is a financial technology company, not a bank =0A( https://link.=
upgrade.com/f/a/GNez-X1rLENMskFCpsC-Pw~~/AAQRxRA~/lLZEF3Fq1xX86dPgYzY_aR4Ce=
tVlzsb7A7wgUNZW_SJMOiJ0S9GjOuJT6cjMRwUToY-1gAOUiWjzyQqfJRCKJ_1j3cgIZRVhCdDj=
CGqI6UTvyvSRNiVZSla4WSn5oUUOseU7-7fhyf8JIxiWkWLMZJFGJH6pDOdXLr7boj3DqjV60xS=
cPpDd_Ejwe4OUEsKj )=0A.             facebook =0A( https://link.upgrade.com/=
f/a/R7QOoV5dAyVKkvcj-Kf4rw~~/AAQRxRA~/f2st3e6Jl-7Wy803zA7mMN9g3kck91EDThZ-H=
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_HnOFTf8nixYk1d5nfuTjlMieORWgFdFkDzt0O43G1OnD1Wc-ubx6_emnAE2kuWZ0M4rE )=0A =
  instagram =0A( https://link.upgrade.com/f/a/h7LQdiFkXbcv8QT3AKTZ7g~~/AAQR=
xRA~/f2st3e6Jl-7Wy803zA7mMMSa8-dQZX3ILkk8SXX_cSLJ6mGpAlnm6a7KwlvL0EZ_YDK_kl=
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NeCgAr-ipY-WIG2tEfh2xFsx676XYWAG_x1w )=0A   blog =0A( https://link.upgrade.=
com/f/a/O-GKxc_rXn7tiSW5tuLyDw~~/AAQRxRA~/36svdkGInsdKII8UxkHSZfPVdmH_RTMY4=
x4ZVCIY8WvhDeJ34ye1TB3gFxAnn0IlZIzWF9BFGNDdHTQpAE1CVxoPBTaweaufjLiIhpOdM7We=
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fi3866i53Nn6bhSKFuz_d0nmjY6C0Enx6KYR03r8R30hHGI_Ib6ISVKC_cRkgoviz7y00Hfka )=
=0A       Please do not reply directly to this message as it was=0Asent fro=
m an unattended mailbox.    This email contains=0Aadvertising content and w=
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CE_P3wYHJPB_Zlreczwew3P527kVSelUkLeEvpm0STMibOOU_0qRTur-zwFESuYXSdOQhJARHpB=
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NLs1YZye1nQns2ZyVLY27dcHFRIelr_XvEFPbmeBgTCpOX_hqFPiJ7YSgtaT4tvZfEnmAZ7eIEd=
 ) or=0AUpdate Preferences ( https://link.upgrade.com/f/a/lSDGxmdX7k8Q_FGnr=
0qqLA~~/AAQRxRA~/XrCNfMj-cX5v8hdSCxWzScUzd7uP-aFkpvdOghia61nIdaBK1iW3b9H_cI=
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qxdde4-pIBKXZfQQAn_wcas~ )=0AUpgrade      Upgrade is located at 275 Battery=
 Street, 23rd=0AFloor, San Francisco, CA, 94111    =C2=A9=0A2025 Upgrade, I=
nc. All rights=0Areserved.     Privacy Policy ( https://link.upgrade.com/f/=
a/JOQBq4pg9vh1L8gpMX-jxQ~~/AAQRxRA~/6MxDaM7RzIkR4lEi07tRNAnFUGME-0oKsl7Xk57=
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omHzkIaD09zas6 )=0A=0A   Equal Housing Lender=0A=0APL_ITA_DECL_OLD_S9
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ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
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ody>=0A                      <tr>=0A                        <td align=3D"ce=
nter" valign=3D"middle" style=3D"mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;"><a alias=3D"upgrade_logo"=
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0ok-CID: upgrade_pl_ita_declined_old_send09_a-->=0A  =0A  <span style=3D"fo=
nt-size: 0px; line-height: 1;">=0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A =
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table>=0D=0A      <!--PRIMARY CONTENT-->=0D=0A      <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%;" bgcolor=3D"#ffffff">=0D=0A        <t=
body>=0D=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 40px 0px 30px;"><table border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-l=
space: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text=
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Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #424242=
; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%; padding: 0px;" align=3D"left">=0A<span style=3D"font-size=
: 0px; line-height: 1;"></span>Hi,</td>=0D=0A                </tr>=0D=0A   =
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family: Graphik, Helvetica, Arial, serif; font-size: 24px; line-height: 32p=
x; color: #0E680E; font-weight: 500; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;=
" align=3D"left">Start taking control of your debt</td>=0D=0A              =
  </tr>=0D=0A                <tr>=0D=0A                  <td class=3D"body1=
" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; =
line-height: 24px; color: #424242; mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 20px;"=
 align=3D"left">Just checking in to see if you=E2=80=99re still in the mark=
et for a personal loan=3F It=E2=80=99s easy to check your rate again at Upg=
rade and see what you qualify for.</td>=0D=0A                </tr>=0D=0A   =
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eight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: =
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ius: 8px; -moz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0p=
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ust: 100%; border: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          =
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xt-size-adjust: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Check=
 Your Rate" href=3D"https://link.upgrade.com/f/a/Y3y9YL9vYIo3QKfTukCwTA~~/A=
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xt-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--[=
if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Check Your Rate<!--[if mso]>&nbsp;&nb=
sp;&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                <tr>=0D=
=0A                  <td class=3D"body1" style=3D"font-family: Graphik, Hel=
vetica, Arial, serif; font-size: 16px; line-height: 24px; color: #424242; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">Checking your rate on=
ly takes a moment and it won=E2=80=99t impact your credit, so it never hurt=
s to take a moment and see what you qualify for.</td>=0D=0A                =
</tr>=0D=0A              <tr>=0D=0A                <td class=3D"body1" styl=
e=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-h=
eight: 24px; color: #424242; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px;" align=
=3D"left">Thank you,<br>=0D=0A                  The Upgrade Team </td>=0D=
=0A              </tr>=0D=0A              </tbody>=0D=0A            </table=
></td>=0D=0A        </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A  =
    <!--CONTACT US OR DOWNLOAD -->=0D=0A      <table border=3D"0" cellpaddi=
ng=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%;">=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: 0p=
x;"><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%;">=0D=0A   =
             <tbody>=0D=0A                  <tr>=0D=0A                    <=
td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; =
font-size: 16px; line-height: 24px; color: #424242; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding=
: 0px;" align=3D"center">=0A<table align=3D"center" border=3D"0" cellpaddin=
g=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-bottom-width: 1px; b=
order-bottom-color: #cccccc; border-bottom-style: solid; max-width: 600px; =
border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#EAEC=
F0">=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_cs" style=3D"padding-top: 2=
5px; font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 20=
px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%;" align=3D"center">If you have questions=
, we're here to help.=0D=0A    </td>=0D=0A  </tr>=0D=0A  <tr>=0D=0A    <td =
class=3D"mbl_text_cs" style=3D"font-family: Helvetica, Arial, serif; font-s=
ize: 16px; line-height: 20px; color: #37383A; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 3px =
3px 25px;" align=3D"center">=0D=0A      <a href=3D"mailto:support@upgrade.c=
om" style=3D"font-family: Helvetica, Arial, serif; color: #4899C4; text-dec=
oration: 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>=
=0D=0A=0D=0A                    </td>=0D=0A                  </tr>=0D=0A   =
             </tbody>=0D=0A              </table></td>=0D=0A          </tr>=
=0D=0A        </tbody>=0D=0A      </table>=0D=0A      <!--FOOTER STARTS HER=
E-->=0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" sty=
le=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-ta=
ble-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A     =
       <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0px 5px;=
"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 9=
0%; 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 =
class=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial, serif; fon=
t-size: 12px; line-height: 16px; color: #424242; mso-line-height-rule: exac=
tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 1=
0px 0px 0px;" align=3D"left">=0A<sup style=3D"font-size: 8px; line-height: =
1;">1</sup> Personal loans made through Upgrade feature Annual Percentage R=
ates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origi=
nation fee, which is deducted from the loan proceeds. Lowest rates require =
Autopay and paying off a portion of existing debt directly. Loans feature r=
epayment terms of 24 to 84 months. For example, if you receive a $10,000 lo=
an with a 36-month term and a 17.59% APR (which includes a 13.94% yearly in=
terest rate and a 5% one-time origination fee), you would receive $9,500 in=
 your account and would have a required monthly payment of $341.48. Over th=
e life of the loan, your payments would total $12,293.46. The APR on your l=
oan may be higher or lower and your loan offers may not have multiple term =
lengths available. Actual rate depends on credit score, credit usage histor=
y, loan term, and other factors. Late payments or subsequent charges and fe=
es may increase the cost of your fixed rate loan. There is no fee or penalt=
y for repaying a loan early. </td>=0D=0A                  </tr>=0D=0A      =
            <tr>=0D=0A                    <td class=3D"body3" style=3D"font=
-family: Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16=
px; color: #424242; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">=
Accept your loan offer and your funds will be sent to your bank or designat=
ed account within 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 shou=
ld 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.=
=0D=0A                    </td>=0D=0A                  </tr>=0D=0A         =
         <tr>=0D=0A                    <td class=3D"body3" style=3D"font-fa=
mily: Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16px;=
 color: #424242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%;=
 -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">All=
 loans, Personal Credit Lines, and checking and savings accounts are provid=
ed by Upgrade's <a href=3D"https://link.upgrade.com/f/a/xXw_VSooL9NHgIsqnGf=
J6A~~/AAQRxRA~/Qu3iGIkxbug9PLLAFZbfu_WpjZCuOupPE6R_2tYxC900xwGBpJZUsQ0u-O__=
_grvuBaNzmBv3-InXmfXqgKvvbtY64CPFynoJcp-6-y7ZKls9x2bHQ5LLal52B8wMdTm" targe=
t=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decoration:=
 underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;">bank partners</a>. Upgrade Visa<sup style=3D"f=
ont-size: 12px; line-height: 1; vertical-align: top;">=C2=AE</sup> Cards an=
d 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/xXw_VSooL9NHgIsqnGfJ6A~~/AAQRxRA~/Qu3iGIkxbug9PLLAFZb=
fu_WpjZCuOupPE6R_2tYxC900xwGBpJZUsQ0u-O___grvuBaNzmBv3-InXmfXqgKvvbtY64CPFy=
noJcp-6-y7ZKls9x2bHQ5LLal52B8wMdTm" target=3D"_blank" style=3D"vertical-ali=
gn: top; color: #4899C4; text-decoration: underline; 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>=0AUpgrad=
e, Inc. (NMLS #1548935) holds the following <a href=3D"https://link.upgrade=
.com/f/a/JjL2Ow-3Rx_lCPltYZbZLA~~/AAQRxRA~/6NK4tjQlc_0ckd88fqBDKDSEOKhyCAk=
u0EHBO1pF_t4wQ7adoKlcVNyLueUxilbZ5dTcU0d32IM4AbKPniNLc0UMO-jj5ya8fZdBbz307A=
vMB7K2c6H_u-S4EWbPXC37ftu91QgCjaWfVYtyQGnB6RWMwZ-zjmg0-Uom-M-edKzZirjS_oBjs=
hawkfCVGSM7zhAauWv09rTWxVmIt_jPTbC_4uGpHSa6kjwptC11CuY~" target=3D"_blank" =
style=3D"vertical-align: top; color: #4899C4; text-decoration: underline; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;">state licenses</a> and does business under the following <a=
 href=3D"https://link.upgrade.com/f/a/x_HpXzrDcSYY-WxjFo24-Q~~/AAQRxRA~/J1L=
lPPGJnjz1AUlm1iOUGMAqeb93mS-jxIlh1H0adFFoKwC2ZhtEUa66IOG1oitVI6fI92AL_MaTLw=
1ciK_mYiHqMi6lQOo1994tHi8-iN4_WOOcQjSmzKAda4Pr3YkW" target=3D"_blank" style=
=3D"vertical-align: top; color: #4899C4; text-decoration: underline; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">DBAs</a>. <br>=0A<br>=0AUpgrade is a <a href=3D"https://link.upg=
rade.com/f/a/GNez-X1rLENMskFCpsC-Pw~~/AAQRxRA~/lLZEF3Fq1xX86dPgYzY_aR4CetVl=
zsb7A7wgUNZW_SJMOiJ0S9GjOuJT6cjMRwUToY-1gAOUiWjzyQqfJRCKJ_1j3cgIZRVhCdDjCGq=
I6UTvyvSRNiVZSla4WSn5oUUOseU7-7fhyf8JIxiWkWLMZJFGJH6pDOdXLr7boj3DqjV60xScPp=
Dd_Ejwe4OUEsKj" target=3D"_blank" style=3D"vertical-align: top; color: #489=
9C4; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;">financial technology comp=
any, not a bank</a>.=0D=0A                    </td>=0D=0A                  =
</tr>=0D=0A                  <tr>=0D=0A                    <td class=3D"bod=
y3" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px=
; line-height: 16px; color: #424242; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;=
" align=3D"left">=0A<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-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0D=0A  <tr>=0D=0A    <td align=
=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 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-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-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px=
;"><table class=3D"center" align=3D"center" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" width=3D"60%" style=3D"text-align: center; border-collaps=
e: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0D=0A          =
    <tbody>=0D=0A                <tr>=0D=0A                  <td align=3D"c=
enter" valign=3D"middle" width=3D"100" style=3D"mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0p=
x;">=0A<a href=3D"https://link.upgrade.com/f/a/R7QOoV5dAyVKkvcj-Kf4rw~~/AAQ=
RxRA~/f2st3e6Jl-7Wy803zA7mMN9g3kck91EDThZ-H16LR4YPoLj_geKHHCWcFdQSzfWhrs5zQ=
Ssig47IS5Fh6FkKoq_io09LZRyMg5x4X1atMDztshorXA-dc-JSOrt16pr48oI6tnvxx_A7a7Eu=
OXN3NNJXhlbyr2-y1neFRzL1mXKV5vsIRH324JfQSTI_HnOFTf8nixYk1d5nfuTjlMieORWgFdF=
kDzt0O43G1OnD1Wc-ubx6_emnAE2kuWZ0M4rE" target=3D"_blank" alias=3D"facebook"=
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 border-width: 0;"></a>=0D=0A                  </td>=0D=0A                 =
 <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%; padding: 0px;">=0A<a href=3D"https://link.upgrade.com/f/a/h7LQdiFkXbcv8=
QT3AKTZ7g~~/AAQRxRA~/f2st3e6Jl-7Wy803zA7mMMSa8-dQZX3ILkk8SXX_cSLJ6mGpAlnm6a=
7KwlvL0EZ_YDK_kl1fXAhjUApprHaESUN2uiIX6cekz0Kb6RYx_yQjSsaaktAD8X0b4IlBWGcw0=
eqr-IyLgK21RE8dO4_CelTAwwISu67SmsnNQStxrUjqXke5Cvga1iTvA1yu4zmE-bLNX_NxEFjE=
WWXYRFGGb5szXaveNeCgAr-ipY-WIG2tEfh2xFsx676XYWAG_x1w" target=3D"_blank" ali=
as=3D"instagram" style=3D"color: #4899C4; text-decoration: underline; mso-l=
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ic; padding: 0px; border-width: 0;"></a>=0D=0A                  </td>=0D=0A=
                  <td align=3D"center" valign=3D"middle" width=3D"100" styl=
e=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 0px;">=0A<a href=3D"https://link.upgrade.com/=
f/a/O-GKxc_rXn7tiSW5tuLyDw~~/AAQRxRA~/36svdkGInsdKII8UxkHSZfPVdmH_RTMY4x4ZV=
CIY8WvhDeJ34ye1TB3gFxAnn0IlZIzWF9BFGNDdHTQpAE1CVxoPBTaweaufjLiIhpOdM7WewgXo=
tPOzIPrtTnx2-wpJihi_wjX2d8_w27ukOpVbJbZQTUYxfW8Kz-Jtafa2_agNNXryfebZbstfi38=
66i53Nn6bhSKFuz_d0nmjY6C0Enx6KYR03r8R30hHGI_Ib6ISVKC_cRkgoviz7y00Hfka" targ=
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ubic; padding: 0px; border-width: 0;"></a>=0D=0A                  </td>=0D=
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le></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; font-weight: 500; mso-line-height-rule: exactly; -ms-text-size-=
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