Envelope-to: info@sterlingcal.com
Delivery-date: Fri, 11 Apr 2025 16:17:54 -0500
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <DF.1D.49338.6F689F76@i-04cf2d7f4a46e18c8.mta1vrest.sd.prd.sparkpost>
To: info@sterlingcal.com
Date: Fri, 11 Apr 2025 21:17:42 +0000
Content-Type: multipart/alternative; boundary="_----0wk94Ky7louClZVNILV0Iw===_CA/1D-49338-6F689F76"
MIME-Version: 1.0
Subject: Reset your finances
Reply-To: noreply.email@upgrade.com

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Check your rate and get started on your goals today=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A      Upgrade     96=0A( https://link.upgrade.com/f/a/Bqd9bYIt-BfL=
eIMzEV705Q~~/AAQRxRA~/S1hOdj3Usrmw4TcaxcRsnooFOiSgzl2jtxnOzhVreqwDcW8-uLQwe=
_OIPzwtHd6Vem3c7NKpLBqd9YiwskEJsAhuKbMnG8uxn6Xd6N39WdE~ )=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0A=0AHi,=0AStart taking control of your debt   If you=E2=80=
=99re looking to simplify=0Aand take control of your debt, checking your ra=
te (=0Ahttps://link.upgrade.com/f/a/6usEWZb14oFYHr09brhxkA~~/AAQRxRA~/XkYDR=
vNOFyY0YxKOUb-X6sLVezSLwZRN8szxvFL7Ld7LVmWN4zQcKKaG_uzWrl-4YaMtS3fOhcMPFd-v=
vfTExOIcw_nyHAofHiSG2WVDe2qZhtLaL9m7uj5GJQmWzhfp5UG1jwnFoLWKxBFb_dXC_w~~=3F=
utm_source=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dsend05_a&utm_conten=
t=3Demail_link=0A) with Upgrade is a 1-minute investment that could fast-tr=
ack you=0Atowards paying off your debt.  =0A=0A=0A=0ACheck Your Rate (=0Aht=
tps://link.upgrade.com/f/a/4glhHXNHDKFgou5HeTJpLg~~/AAQRxRA~/e0uw5YSh8eZ54l=
vswE9Aja30x0aBZBCGm04GDVk0UmX2tRSL52iChCrsLI1tXl2fFlDdkCeN__S71JLrnIa4U1bOX=
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cS3l5i5vT0rjBJbep=0A)     =0A  We look forward to helping=0Ayou circle the =
date on your calendar that you=E2=80=99ll be debt free.=0AThank you,=0AThe =
Upgrade Team                  If you have questions, we're=0Ahere to help. =
    support@upgrade.com                   1=0APersonal loans made through U=
pgrade feature Annual Percentage=0ARates (APRs) of 7.99%-35.99%. All person=
al loans have a 1.85% to=0A9.99% origination fee, which is deducted from th=
e loan proceeds.=0ALowest rates require Autopay and 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 with a 36-month term=0Aand =
a 17.59% APR (which includes a 13.94% yearly interest rate=0Aand a 5% one-t=
ime origination fee), you would receive $9,500 in=0Ayour account and would =
have a required monthly payment of=0A$341.48. Over the life of the loan, yo=
ur payments would total=0A$12,293.46. The APR on your loan may be higher or=
 lower and your=0Aloan offers may not have multiple term lengths available.=
 Actual=0Arate depends on credit score, credit usage history, loan term,=0A=
and other factors. Late payments or subsequent charges and fees=0Amay incre=
ase the cost of your fixed rate loan. There is no fee or=0Apenalty for repa=
ying 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 clearin=
g necessary verifications.=0AAvailability of the funds is dependent on how =
quickly your bank=0Aprocesses the transaction. From the time of approval, f=
unds sent=0Adirectly to you should be available within one (1) business day=
.=0AFunds sent directly to pay off your creditors may take up to 2=0Aweeks=
 to clear, depending on the creditor.    All loans, Personal=0ACredit Lines=
, and checking and savings accounts are provided by=0AUpgrade's bank partne=
rs ( https://link.upgrade.com/f/a/9_RAyjSw_lwuTr_GL9JX5w~~/AAQRxRA~/4-P8TVQ=
oK6oPm6vaUR--5yDGtSyJsr9BdKyx1Mh8MCjcy8sQoI8t7wKgkUKk3Pq0GS6bGbbS3dblNLYLTv=
WnqQpZUD0hdmVkZVJpwcUd_QzD-8YNSVbs6HFRh2VkSvwh ) . 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/9_RAyjSw_lwuTr_GL9JX5w~~/AAQRxRA~/4-P8TV=
QoK6oPm6vaUR--5yDGtSyJsr9BdKyx1Mh8MCjcy8sQoI8t7wKgkUKk3Pq0GS6bGbbS3dblNLYLT=
vWnqQpZUD0hdmVkZVJpwcUd_QzD-8YNSVbs6HFRh2VkSvwh ), pursuant to a license=0A=
from Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) holds the following s=
tate licenses=0A=0A( https://link.upgrade.com/f/a/14FlCDWTPwlxR-jYe6Q1Vw~~/=
AAQRxRA~/EsJ0ngy1X6xVK8Wym0HePAFKFX_wpE4lq6GDySVMq2gXpwVw8pKHYFF1XhCUi_TCmK=
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1tMgRfvSzhJr66s2oZ4~ )=0A and does business under the following DBAs =0A( h=
ttps://link.upgrade.com/f/a/x5PXMBMBJhQeBeLMW22-eA~~/AAQRxRA~/M6a0rr8-aBIzZ=
4Ife7fb5_eyEuG-O0IcOkzAkzKXgbITcQQRL09Ce_zTaXC6AaFTZ9HfHTK2VzipWFTV7XtM-SGR=
zLVa-Xt9iZtxLoRHELJFjbZ2IFAj1ZcjaebTUXYf ).=0A=0AUpgrade is a financial tec=
hnology company, not a bank =0A( https://link.upgrade.com/f/a/9ucbi8Qt9evKk=
4kOoW2vSA~~/AAQRxRA~/P2hFYogyGWVa71nRkKmfW9tg4Wg4HdRilE9mSZDnBIOiZtMAUUZKhF=
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DZks-BVKOPIF7m1frMR68YxWK4I-aVGhFGPow-WNXSNwjJrDuIp4uVB8DhEKopi )=0A.      =
       facebook =0A( https://link.upgrade.com/f/a/qPpjSrV-eAv-9LyndfhQqQ~~/=
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_sM8cFqUkCHDwwTrRtgNo1VsN0o_FdmTxoYBm2tu )=0A   instagram =0A( https://link=
.upgrade.com/f/a/fOR6lTrRLYZqj8NcCvR98A~~/AAQRxRA~/_PVao560CWiW-XzTJnXFJiP=
nfy4Iwqt999_OeqSPU-x0O7FhMtFWWh4D77VAGFU7vqgD1KrtvUl1Ya_wzNJcXd7B9l3aGaVMTo=
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dChR7zJE )=0A   blog =0A( https://link.upgrade.com/f/a/hMTI5NwCMKZDJdQPekQG=
Zg~~/AAQRxRA~/nN2lCbccqaZwWZXi4gLz1nl-QBYkpX_lb0qQfb4-zxSkSHjIidgz3MUa5GtJP=
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5OqGsq9sRGLf-hwbUpzg62oTVEMN19LdYxHrj8BrHlosW )=0A       Please do not repl=
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100%;">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td align=
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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                        <tb=
ody>=0D=0A                          <tr>=0D=0A                            <=
td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;">=0A<table border=3D"0" cellpa=
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rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mi=
n-width: 90% !important;">=0A    <tbody>=0A      <tr>=0A        <td align=
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llpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: co=
llapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust:=
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    <tr>=0A                <td style=3D"font-size: 0; mso-line-height-rule:=
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ng: 0px;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=
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just: 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-a=
djust: 100%;"><a alias=3D"upgrade_logo" href=3D"https://link.upgrade.com/f/=
a/Bqd9bYIt-BfLeIMzEV705Q~~/AAQRxRA~/S1hOdj3Usrmw4TcaxcRsnooFOiSgzl2jtxnOzhV=
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ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=
<img alt=3D"&nbsp;" border=3D"0" height=3D"33" src=3D"https://braze-images.=
com/appboy/communication/assets/image_assets/images/63348ce6db77c73d707010e=
4/original.png=3F1664388326" style=3D"outline: 0px; width: 144px; height: a=
uto; font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 24px; c=
olor: rgb(0, 175, 106); image-rendering: auto; text-decoration: none; -ms-i=
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" 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  =
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 </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      <!--PRIMARY CON=
TENT-->=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: 1=
00%;" bgcolor=3D"#ffffff">=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: 40px 0px 30px;=
"><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"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-siz=
e: 16px; line-height: 24px; color: #424242; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-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                <tr>=0D=0A          =
        <td class=3D"head3" style=3D"font-family: Graphik, Helvetica, Arial=
, serif; font-size: 24px; line-height: 32px; color: #0E680E; font-weight: 5=
00; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left">Start taking con=
trol 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-s=
ize-adjust: 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 yo=
ur rate" href=3D"https://link.upgrade.com/f/a/yfaYQ5tgkvQbFPAtTZ3wJA~~/AAQR=
xRA~/92H-FpWZ-OgMltJsCCoP23eZ1WPlUVMaldkt_sCeQYlzR73JKUAD6NzAuJsnHQz1r9H80A=
MUgnIlvpu-q9oi-3YR_zVa7G_DHp7_aDKoU41WMNloRo38o1IYTMMFCiD1p6R6xI-dBJdlPCeYi=
NAqkWTL50i0V6iCBJtscP2zwSbbOjJd__ugSaDUDEkHvHea5vek06zj8fouJV4OgzTWLU5XUdds=
XtUG0UDiXos8f1hcL4-YqnkEHenDGHh6T8ng" style=3D"color: #1F63D2; display: inl=
ine-block; text-decoration: underline; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;">checking your rate<=
/a> with Upgrade is a 1-minute investment that could fast-track you towards=
 paying off your debt.</td>=0D=0A                </tr>=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, 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-adjust: 100%; paddin=
g: 0px;">=0A<!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"center" c=
lass=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
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oz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table=
-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; b=
order: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A  =
            <td height=3D"45" style=3D"height: 40px; color: #ffffff; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" =
href=3D"https://link.upgrade.com/f/a/4glhHXNHDKFgou5HeTJpLg~~/AAQRxRA~/e0uw=
5YSh8eZ54lvswE9Aja30x0aBZBCGm04GDVk0UmX2tRSL52iChCrsLI1tXl2fFlDdkCeN__S71JL=
rnIa4U1bOXEBubD7ZGrzrlaA6RpPW5mfiMfNtAtgz_iDMzcNs9TqgRw8PJstzJI7bd0leby95rX=
NUrmFFWVBthVMUm5bBVqjufC4yQslwqqyMuTaMRVQzSqusPez1v16Uyrcu3xLPbNecuRTiikber=
ombz3ZG3lqcS3l5i5vT0rjBJbep" style=3D"display: inline-block; font-size: 16p=
x; line-height: 24px; font-family: Graphik, Helvetica, Arial, sans-serif; f=
ont-weight: 500; color: #ffffff !important; text-decoration: none !importan=
t; letter-spacing: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbs=
p;&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                <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: 20px 0px 0px;" align=3D"left">We look forward to helping you circ=
le the date on your calendar that you=E2=80=99ll be debt free.</td>=0D=0A  =
              </tr>=0D=0A              <tr>=0D=0A                <td class=
=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-siz=
e: 16px; line-height: 24px; color: #424242; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0=
px 0px;" align=3D"left">Thank you,<br>=0D=0A                  The Upgrade T=
eam </td>=0D=0A              </tr>=0D=0A              </tbody>=0D=0A       =
     </table></td>=0D=0A        </tr>=0D=0A        </tbody>=0D=0A      </ta=
ble>=0D=0A      <!--CONTACT US OR DOWNLOAD -->=0D=0A      <table border=3D"=
0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collaps=
e: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-ad=
just: 100%; -webkit-text-size-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;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" styl=
e=3D"width: 100%; 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 class=3D"body1" style=3D"font-family: Graphik, Helvetica, Ari=
al, serif; font-size: 16px; line-height: 24px; color: #424242; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%; padding: 0px;" align=3D"center">=0A<table align=3D"center" border=3D"0"=
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dth: 1px; border-bottom-color: #cccccc; border-bottom-style: solid; max-wid=
th: 600px; 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"#EAECF0">=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_cs" style=3D"pad=
ding-top: 25px; font-family: Helvetica, Arial, serif; font-size: 16px; line=
-height: 20px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size=
-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"center">If you hav=
e 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, se=
rif; font-size: 16px; line-height: 20px; color: #37383A; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 3px 3px 25px;" align=3D"center">=0D=0A      <a href=3D"mailto:suppor=
t@upgrade.com" style=3D"font-family: Helvetica, Arial, serif; color: #4899C=
4; text-decoration: underline; vertical-align: middle; display: inline-bloc=
k; 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                  </t=
r>=0D=0A                </tbody>=0D=0A              </table></td>=0D=0A    =
      </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      <!--FOOTER=
 STARTS HERE-->=0D=0A      <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%;" 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 0px 5px;"><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-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; font-size: 12px; line-height: 16px; color: #424242; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 10px 0px 0px;" align=3D"left">=0A<sup style=3D"font-size: 8px; l=
ine-height: 1;">1</sup> 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. </td>=0D=0A                  </tr=
>=0D=0A                  <tr>=0D=0A                    <td class=3D"body3" =
style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; li=
ne-height: 16px; color: #424242; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" al=
ign=3D"left">Accept your loan offer and your funds will be sent to your ban=
k or designated account within one (1) business day of clearing necessary v=
erifications. Availability of the funds is dependent on how quickly your ba=
nk processes the transaction. From the time of approval, funds sent directl=
y to you should be available within one (1) business day. Funds sent direct=
ly 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" s=
tyle=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; lin=
e-height: 16px; color: #424242; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" ali=
gn=3D"left">All loans, Personal Credit Lines, and checking and savings acco=
unts are provided by Upgrade's <a href=3D"https://link.upgrade.com/f/a/9_RA=
yjSw_lwuTr_GL9JX5w~~/AAQRxRA~/4-P8TVQoK6oPm6vaUR--5yDGtSyJsr9BdKyx1Mh8MCjcy=
8sQoI8t7wKgkUKk3Pq0GS6bGbbS3dblNLYLTvWnqQpZUD0hdmVkZVJpwcUd_QzD-8YNSVbs6HFR=
h2VkSvwh" target=3D"_blank" style=3D"vertical-align: top; color: #4899C4; t=
ext-decoration: underline; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%;">bank partners</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: 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/9_RAyjSw_lwuTr_GL9JX5w~~/AAQRxRA~/4-P8=
TVQoK6oPm6vaUR--5yDGtSyJsr9BdKyx1Mh8MCjcy8sQoI8t7wKgkUKk3Pq0GS6bGbbS3dblNLY=
LTvWnqQpZUD0hdmVkZVJpwcUd_QzD-8YNSVbs6HFRh2VkSvwh" 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%;">bank partners</a>, pursuant to a license from Visa USA Inc. <br>=
=0A<br>=0AUpgrade, Inc. (NMLS #1548935) holds the following <a href=3D"http=
s://link.upgrade.com/f/a/14FlCDWTPwlxR-jYe6Q1Vw~~/AAQRxRA~/EsJ0ngy1X6xVK8Wy=
m0HePAFKFX_wpE4lq6GDySVMq2gXpwVw8pKHYFF1XhCUi_TCmKUF_Zpwvmaczho35pC0IXrdu3C=
XU4laVEPNlAAbM7to3D-FKhkKRiLrz-FpklkzrYemw63gXvM_bAHtV3HY0-B70iJtzSbjUuGUDM=
gv88Irgsr0-UZAZagFQ67-KkVEhvTvNXyJ-pKH_vq20sUq-ojH1tMgRfvSzhJr66s2oZ4~" tar=
get=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decoratio=
n: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">state licenses</a> and does business under t=
he following <a href=3D"https://link.upgrade.com/f/a/x5PXMBMBJhQeBeLMW22-eA=
~~/AAQRxRA~/M6a0rr8-aBIzZ4Ife7fb5_eyEuG-O0IcOkzAkzKXgbITcQQRL09Ce_zTaXC6AaF=
TZ9HfHTK2VzipWFTV7XtM-SGRzLVa-Xt9iZtxLoRHELJFjbZ2IFAj1ZcjaebTUXYf" target=
=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decoration: =
underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;">DBAs</a>. <br>=0A<br>=0AUpgrade is a <a href=3D=
"https://link.upgrade.com/f/a/9ucbi8Qt9evKk4kOoW2vSA~~/AAQRxRA~/P2hFYogyGWV=
a71nRkKmfW9tg4Wg4HdRilE9mSZDnBIOiZtMAUUZKhF_1XnEsLOqQkhmTEfZDktzNRDlCiX8hIC=
H45nklBduYoWS9YXWBfpmHw2qmNfW-cgJbUnHpA2PgmDZks-BVKOPIF7m1frMR68YxWK4I-aVGh=
FGPow-WNXSNwjJrDuIp4uVB8DhEKopi" target=3D"_blank" style=3D"vertical-align:=
 top; color: #4899C4; text-decoration: underline; mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">financia=
l technology company, not a bank</a>.=0D=0A                    </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: 16px; color: #424242; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddi=
ng: 10px 0px 0px;" align=3D"left">=0A<table align=3D"center" border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; 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%;">=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: 10px 0px 0px;=
"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 1=
00%; border-top-width: 1px; border-top-color: #cecece; border-top-style: so=
lid; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0p=
t; -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%; paddin=
g: 20px 0px 0px;"><table class=3D"center" align=3D"center" border=3D"0" cel=
lspacing=3D"0" cellpadding=3D"0" width=3D"60%" style=3D"text-align: center;=
 border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=
=0D=0A              <tbody>=0D=0A                <tr>=0D=0A                =
  <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%; padding: 0px;">=0A<a href=3D"https://link.upgrade.com/f/a/qPpjSrV-eAv-=
9LyndfhQqQ~~/AAQRxRA~/_PVao560CWiW-XzTJnXFJvvLhwlaiXnJxUTDYk1sD7YdaWyOARwk2=
keOkqo53hFGjmFlb2d8MwiD40LUwWsKJypTnoX9mUeSEwQNwE_TXqNpAqJF5SipQTU56wZ19OMR=
YL3j-LOnhrZOb4hOlFxeyBPqJQw29NU1DpxcVR201QLj6K5G3w89z0PRn_d5AjzQ-Dxa5mIw-li=
tUhNXP5rPSZcK_sM8cFqUkCHDwwTrRtgNo1VsN0o_FdmTxoYBm2tu" target=3D"_blank" al=
ias=3D"facebook" style=3D"color: #4899C4; text-decoration: underline; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;"><img src=3D"https://braze-images.com/appboy/communication/asset=
s/image_assets/images/65fb645920ede0004c647b15/original.png=3F1710974041" b=
order=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" height=3D"auto=
" style=3D"text-align: center; width: 24px; height: auto; image-rendering: =
auto; outline: none; text-decoration: none; -ms-interpolation-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;">=0A<a href=3D"https://link.upgrade.com/f=
/a/fOR6lTrRLYZqj8NcCvR98A~~/AAQRxRA~/_PVao560CWiW-XzTJnXFJiPnfy4Iwqt999_Oeq=
SPU-x0O7FhMtFWWh4D77VAGFU7vqgD1KrtvUl1Ya_wzNJcXd7B9l3aGaVMToBqcQunnaF6iF7QQ=
mar1p5u6wj3L6WWKILSU_wFvIUt5Ugs1WT0EwDMQcLldCvG20X4PX656YKV-QGVEUDW0rfSr3Ea=
HXajW_Vnx3OcctgP1yEAvv1MKcOmtsyPJBCS44gKQCPxqDTZSqG559mbOfpIdChR7zJE" targe=
t=3D"_blank" alias=3D"instagram" style=3D"color: #4899C4; text-decoration: =
underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/com=
munication/assets/image_assets/images/65fb64594f39dd004c62621d/original.png=
=3F1710974041" border=3D"0" alt=3D"instagram" title=3D"instagram" width=3D"=
24" height=3D"auto" style=3D"text-align: center; width: 24px; height: auto;=
 image-rendering: auto; outline: none; text-decoration: none; -ms-interpola=
tion-mode: bicubic; padding: 0px; border-width: 0;"></a>=0D=0A             =
     </td>=0D=0A                  <td align=3D"center" valign=3D"middle" wi=
dth=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 0px;">=0A<a href=3D"https://l=
ink.upgrade.com/f/a/hMTI5NwCMKZDJdQPekQGZg~~/AAQRxRA~/nN2lCbccqaZwWZXi4gLz1=
nl-QBYkpX_lb0qQfb4-zxSkSHjIidgz3MUa5GtJPqmzzJYHwXAR7wG3QzWrXzEffYBxhFDr9cFh=
0r2K24VSWc5W_Ef1w7524Rt4uBtgp7g65N_PdY96LwlWOM0RqMcshPszmHNzJv_09_cvTWrDTfq=
FDtJpvT2P5cB4i6nb7h8P-GJdtJsiRQW6dYsht0D5OqGsq9sRGLf-hwbUpzg62oTVEMN19LdYxH=
rj8BrHlosW" target=3D"_blank" alias=3D"blog" style=3D"color: #4899C4; text-=
decoration: underline; mso-line-height-rule: exactly; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze-images.co=
m/appboy/communication/assets/image_assets/images/65fb6459172062004de47b44/=
original.png=3F1710974041" border=3D"0" alt=3D"blog" title=3D"blog" width=
=3D"47" height=3D"auto" style=3D"text-align: center; width: 47px; height: a=
uto; image-rendering: auto; outline: none; text-decoration: none; -ms-inter=
polation-mode: bicubic; padding: 0px; border-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, Helvetica, Arial, sans-serif; font-si=
ze: 12px; line-height: 16px; font-weight: 500; mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15p=
x 0px 0px;" align=3D"center">Please do not reply directly to this message a=
s it was sent from an unattended mailbox. </td>=0D=0A        </tr>=0D=0A   =
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l, sans-serif; font-size: 12px; line-height: 16px; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding:=
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d was sent to <a href=3D"#" class=3D"disabled-link" style=3D"font-family: H=
elvetica, Arial, sans-serif; font-size: 12px; color: #37383A !important; te=
xt-decoration: none !important; cursor: none !important; pointer-events: no=
ne !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-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, Ar=
ial, sans-serif; font-size: 12px; line-height: 18px; color: #424242; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 10px 0 0;" align=3D"center">No longer want to receive th=
ese emails=3F <a href=3D"https://link.upgrade.com/f/a/KKyd9qjkbcMCp7drEDG5J=
Q~~/AAQRxRA~/ksM2yKdbfsROHMqIbeeCj4FFxSC5wFhcg62RFalqOaWl8UG58x1TeKSbi-ESy7=
Gy9RmF3C8feE5fNT8fMdRozch5cU3zZEc3I0hN_GVgLqsXxmHStVZFCE3-r9qPWne7s9TbaIsLc=
MMkFC0z8lU9jInNBTHg8_3a01xhFKDUAUCJ68E6MNew3aM-BW1EwTCAWj4QZ4h6ER1Ux0qLtImc=
o7NCtL9dUrFQ2Z1Umg6Xy6yKuY8HnEXXn-2QIk6lg6ad9fntaHosQFlyGRHrTOVtxKXmOF5Y9pl=
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oAByq6h7MjVWV4u2n0SpgvMuUZknFaxpYG9QXuwluKIX6PECyBM0eGrCpsRVqBIXzSs1vlkrck-=
__QDNyj2OKjTcy6vSfSUuKZXuV9HMZ3okMf-0X739h1-a43vt5f6baxci3T3O2G5dHqjTmYkHPe=
sYnDlL6--DMLQgcFvKp01pAg1dbcGdXQTlcg9mZIHTFhnWyl0xMCcJnFdwrad2gVM1b_SXiV8yb=
VYAmeSGMktc3WSLcER0b64rqeIiyY7cwE91rzD-bzahMSWsvQd5zAhK1easacg11oN2ZIhwEY_O=
Ma_u1y_cvGI4DzAw67evDwqzWCj8N9p2WYFgz157fGT4eJnFk-Al_-Z2MCcGOMUPsk3knOkKGG_=
zoHoUd2lvXAVlKYtKF0aloyrXkJJyjb" alias=3D"Unsubscribe" style=3D"font-family=
: Helvetica, Arial, sans-serif; font-size: 12px; color: #37383A; text-decor=
ation: underline; vertical-align: top; display: inline-block; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%;">Unsubscribe</a> or <a href=3D"https://link.upgrade.com/f/a/9hFBJdFAHJKs=
zA_X1CG8Ng~~/AAQRxRA~/h5nyxZrhJVLX2LwwAq4iUSPT5Axbkmd-aPGPhv1EnQdgFqUztgp_s=
oynAF-qcX7OeIq3E9TvgDSwMUbemu0OUc0-tItTQhwF-acF3sOTjA7c9tUH2gOdUFbgogZhSG4W=
jZJ790CKnqiF8an3s-j9-c7bdow6Inq1f6NslIpaP1_9L6nVLqbbjyDZNhxGiIPOapLPVq-xCxq=
U_6T9WcvAsABai0b1MzJS-v51AIMZkLwZ2BRZEkMAs5lq2HsF7bnQJ083wRuzRHt2NeZOUfzbUO=
mVSv0C-BNWK7RIKCOlr0H9U4uHf_It1eQilfxWLBJrFkUZT00ys5bzn9CPc6zLOD40zl06zc4jE=
YnwY4xmib-GvPOrdd46aMd1YJPuD1_ZZ2nqP3FBbwQBVLAzcje7m0X3QWXS2LibJSb_jtqQOZDp=
J4sBXEq_4dxdqoA-5aHl6sv2dro65HeCxb4YrPGbCzLAZNX6uSPSm3j1be-bBVzI2nb4FZTAGto=
D-1AVIsiYIyIh3tIczUpgEC0ulGHyhydJ-fGTog5Rzv_xpyhRnx6HtU_f7U1I15QZB2N1yRL9bE=
YczVBi7H3A_DOmg2l9i2NJPHArSsOU4Iv4gxAS1akEOjOq4XJDa1gmaHjvafPXv1O7cpV1cZdz4=
YVLGugWKIR_2LVt_I2Gpok_-U3rH0XVHzbk348PH8mGJT-yP0JAsWhgsirH8NsciBDi8c9J-p79=
SM4W2fHf5_TqDM570PMAEqbPFcNOrDedG-6V_AcQbloBqBVHiN0fodLCups6X1Rmu55k8n7ANwe=
0joK0c2jcNFPz9TghJghBCrArKV-QelKjqHZ5H0ptkRzKtbaJl809jXc5ghrLzHrkWTYKkYSQN9=
sHOdu0VGK67yv35Ok1WbusbspUu8nshJLh2_YtvD2TC0GTuD-YxxD5421y05xAjskeHxzKuo03j=
m0nQW_TzXJ3ntlp8oQ6WtCLYXJl3hCA424zY0VA_-wsPptYG0JgHhb7W7IcbE9cwmPijg-Bb54o=
bSADm3LCPrGo9j_S5Jkm13t91aEt1LJIA-nPYsQSovweuchXaf-mxkn8kKxMfI_MT7s-6h80wdS=
Q0b_IBtBju-vbpynvFaA4OWb0u4c~" alias=3D"Preference" style=3D"font-family: H=
elvetica, Arial, sans-serif; font-size: 12px; color: #37383A; text-decorati=
on: underline; vertical-align: top; display: inline-block; mso-line-height-=
rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
>Update Preferences</a>=0A</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A =
         <td class=3D"body3" style=3D"font-family: Graphik, Helvetica, Aria=
l, serif; font-size: 12px; line-height: 16px; color: #424242; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%; padding: 10px 0px 0px;" align=3D"center"><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%;">=0D=0A            <tbody>=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: 0px;"><img src=3D"https://braze-images.com/appboy/communication/asse=
ts/image_assets/images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" =
alt=3D"Upgrade" title=3D"Upgrade" border=3D"0" width=3D"120" height=3D"auto=
" style=3D"width: 120px; height: auto; image-rendering: auto; outline: none=
; text-decoration: none; -ms-interpolation-mode: bicubic; border-width: 0;"=
></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, Helvetica, Arial, sans-serif; font-size: 12px; li=
ne-height: 16px; color: #37383A; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" al=
ign=3D"center">Upgrade is located at 275 Battery Street, 23rd Floor, San Fr=
ancisco, CA, 94111</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A         =
 <td style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size=
: 12px; line-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adj=
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le-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 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: 100%; -webkit=
-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"https://link.up=
grade.com/f/a/Bqd9bYIt-BfLeIMzEV705Q~~/AAQRxRA~/S1hOdj3Usrmw4TcaxcRsnooFOiS=
gzl2jtxnOzhVreqwDcW8-uLQwe_OIPzwtHd6Vem3c7NKpLBqd9YiwskEJsAhuKbMnG8uxn6Xd6N=
39WdE~" style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; text-a=
lign: center; font-size: 20px; color: #00AF6A; text-decoration: none; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;"><img alt=3D"&nbsp;" border=3D"0" height=3D"33" src=3D"https://b=
raze-images.com/appboy/communication/assets/image_assets/images/63348ce6db7=
7c73d707010e4/original.png=3F1664388326" style=3D"outline: 0px; width: 144p=
x; height: auto; font-family: Graphik, Helvetica, Arial, sans-serif; font-s=
ize: 24px; color: rgb(0, 175, 106); image-rendering: auto; text-decoration:=
 none; -ms-interpolation-mode: bicubic; padding: 0px; border-width: 0px;" t=
itle=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-heig=
ht: 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      =
<!--PRIMARY CONTENT-->=0D=0A      <table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-l=
space: 0pt; mso-table-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: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding:=
 40px 0px 30px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" st=
yle=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; mso-ta=
ble-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, s=
erif; font-size: 16px; line-height: 24px; color: #424242; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 0px;" align=3D"left">=0A<span style=3D"font-size: 0px; line-height:=
 1;"></span>Hi,</td>=0D=0A                </tr>=0D=0A                <tr>=
=0D=0A                  <td class=3D"head3" style=3D"font-family: Graphik, =
Helvetica, Arial, serif; font-size: 24px; line-height: 32px; color: #0E680E=
; font-weight: 500; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -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-f=
amily: 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">J=
ust checking in to see if you=E2=80=99re still in the market for a  loan=3F=
 It=E2=80=99s easy to check your rate again at Upgrade and see what you qua=
lify for.</td>=0D=0A                </tr>=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" styl=
e=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-h=
eight: 24px; color: #ffffff !important; mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0A<=
!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"center" class=3D"cta_t=
able" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 275p=
x; border-collapse: separate; -webkit-border-radius: 8px; -moz-border-radiu=
s: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px soli=
d #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%;" vali=
gn=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" href=3D"https:/=
/link.upgrade.com/f/a/4glhHXNHDKFgou5HeTJpLg~~/AAQRxRA~/e0uw5YSh8eZ54lvswE9=
Aja30x0aBZBCGm04GDVk0UmX2tRSL52iChCrsLI1tXl2fFlDdkCeN__S71JLrnIa4U1bOXEBubD=
7ZGrzrlaA6RpPW5mfiMfNtAtgz_iDMzcNs9TqgRw8PJstzJI7bd0leby95rXNUrmFFWVBthVMUm=
5bBVqjufC4yQslwqqyMuTaMRVQzSqusPez1v16Uyrcu3xLPbNecuRTiikberombz3ZG3lqcS3l5=
i5vT0rjBJbep" style=3D"display: inline-block; font-size: 16px; line-height:=
 24px; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500=
; color: #ffffff !important; text-decoration: none !important; letter-spaci=
ng: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-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                <tr>=0D=0A                  <td cla=
ss=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-s=
ize: 16px; line-height: 24px; color: #424242; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px=
 0px 0px;" align=3D"left">Checking your rate only takes a moment and it won=
=E2=80=99t impact your credit, so it never hurts to take a moment and see w=
hat you qualify for.</td>=0D=0A                </tr>=0D=0A              <tr=
>=0D=0A                <td class=3D"body1" style=3D"font-family: Graphik, H=
elvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #424242;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-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 DOWNLO=
AD -->=0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" s=
tyle=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-=
table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;">=0D=0A        <tbody>=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: 0px;"><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 class=3D"body1" style=3D=
"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-heigh=
t: 24px; color: #424242; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" align=3D"center">=
=0A<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D"width: 100%; border-bottom-width: 1px; border-bottom-color: #cccc=
cc; border-bottom-style: solid; max-width: 600px; border-collapse: collapse=
; 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: Helveti=
ca, Arial, serif; font-size: 16px; line-height: 20px; color: #37383A; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 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" st=
yle=3D"font-family: Helvetica, Arial, serif; font-size: 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"cent=
er">=0D=0A      <a href=3D"mailto:support@upgrade.com" style=3D"font-family=
: Helvetica, Arial, serif; color: #4899C4; text-decoration: underline; vert=
ical-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 HERE-->=0D=0A      <table=
 border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; bor=
der-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff"=
>=0D=0A        <tbody>=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: 20px 0px 5px;"><table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: c=
ollapse; 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" styl=
e=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; line-h=
eight: 16px; color: #424242; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=
=3D"left">=0A<sup style=3D"font-size: 8px; line-height: 1;">1</sup> Persona=
l 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 i=
s deducted from the loan proceeds. Lowest rates require Autopay and paying =
off a portion of existing debt directly. Loans feature repayment terms of 2=
4 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 interest rate and a 5=
% one-time origination fee), you would receive $9,500 in your account and w=
ould 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 o=
r lower and your loan offers may not have multiple term lengths available. =
Actual rate depends on credit score, credit usage history, loan term, and o=
ther 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 lo=
an early. </td>=0D=0A                  </tr>=0D=0A                  <tr>=0D=
=0A                    <td class=3D"body3" style=3D"font-family: Graphik, H=
elvetica, Arial, serif; font-size: 12px; line-height: 16px; color: #424242;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">Accept your loan of=
fer and your funds will be sent to your bank or designated account within o=
ne (1) business day of clearing necessary verifications. Availability of th=
e funds is dependent on how quickly your bank processes the transaction. Fr=
om the time of approval, funds sent directly to you should be available wit=
hin 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-family: Graphik, Helv=
etica, Arial, serif; font-size: 12px; line-height: 16px; color: #424242; ms=
o-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-=
adjust: 100%; padding: 10px 0px 0px;" align=3D"left">All loans, Personal Cr=
edit Lines, and checking and savings accounts are provided by Upgrade's <a =
href=3D"https://link.upgrade.com/f/a/9_RAyjSw_lwuTr_GL9JX5w~~/AAQRxRA~/4-P8=
TVQoK6oPm6vaUR--5yDGtSyJsr9BdKyx1Mh8MCjcy8sQoI8t7wKgkUKk3Pq0GS6bGbbS3dblNLY=
LTvWnqQpZUD0hdmVkZVJpwcUd_QzD-8YNSVbs6HFRh2VkSvwh" 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%;">bank partners</a>. Upgrade Visa<sup style=3D"font-size: 12px; li=
ne-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</su=
p> Debit Cards are issued by Upgrade's <a href=3D"https://link.upgrade.com/=
f/a/9_RAyjSw_lwuTr_GL9JX5w~~/AAQRxRA~/4-P8TVQoK6oPm6vaUR--5yDGtSyJsr9BdKyx1=
Mh8MCjcy8sQoI8t7wKgkUKk3Pq0GS6bGbbS3dblNLYLTvWnqQpZUD0hdmVkZVJpwcUd_QzD-8YN=
SVbs6HFRh2VkSvwh" target=3D"_blank" style=3D"vertical-align: top; color: #4=
899C4; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank partners</a>, purs=
uant to a license from Visa USA Inc. <br>=0A<br>=0AUpgrade, Inc. (NMLS #154=
8935) holds the following <a href=3D"https://link.upgrade.com/f/a/14FlCDWTP=
wlxR-jYe6Q1Vw~~/AAQRxRA~/EsJ0ngy1X6xVK8Wym0HePAFKFX_wpE4lq6GDySVMq2gXpwVw8p=
KHYFF1XhCUi_TCmKUF_Zpwvmaczho35pC0IXrdu3CXU4laVEPNlAAbM7to3D-FKhkKRiLrz-Fpk=
lkzrYemw63gXvM_bAHtV3HY0-B70iJtzSbjUuGUDMgv88Irgsr0-UZAZagFQ67-KkVEhvTvNXyJ=
-pKH_vq20sUq-ojH1tMgRfvSzhJr66s2oZ4~" target=3D"_blank" style=3D"vertical-a=
lign: top; color: #4899C4; text-decoration: underline; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">sta=
te licenses</a> and does business under the following <a href=3D"https://li=
nk.upgrade.com/f/a/x5PXMBMBJhQeBeLMW22-eA~~/AAQRxRA~/M6a0rr8-aBIzZ4Ife7fb5_=
eyEuG-O0IcOkzAkzKXgbITcQQRL09Ce_zTaXC6AaFTZ9HfHTK2VzipWFTV7XtM-SGRzLVa-Xt9i=
ZtxLoRHELJFjbZ2IFAj1ZcjaebTUXYf" target=3D"_blank" style=3D"vertical-align:=
 top; color: #4899C4; text-decoration: underline; mso-line-height-rule: exa=
ctly; -ms-text-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/9ucbi=
8Qt9evKk4kOoW2vSA~~/AAQRxRA~/P2hFYogyGWVa71nRkKmfW9tg4Wg4HdRilE9mSZDnBIOiZt=
MAUUZKhF_1XnEsLOqQkhmTEfZDktzNRDlCiX8hICH45nklBduYoWS9YXWBfpmHw2qmNfW-cgJbU=
nHpA2PgmDZks-BVKOPIF7m1frMR68YxWK4I-aVGhFGPow-WNXSNwjJrDuIp4uVB8DhEKopi" ta=
rget=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decorati=
on: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%;">financial technology company, not a bank</a=
>.=0D=0A                    </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: 16p=
x; color: #424242; mso-line-height-rule: exactly; -ms-text-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-tab=
le-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: 10px 0px 0px;"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-top-width: 1px; borde=
r-top-color: #cecece; border-top-style: solid; border-collapse: collapse; m=
so-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -w=
ebkit-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: 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-collapse: collapse; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; padding: 0px;">=0D=0A              <tbody>=0D=
=0A                <tr>=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;">=0A<a hre=
f=3D"https://link.upgrade.com/f/a/qPpjSrV-eAv-9LyndfhQqQ~~/AAQRxRA~/_PVao56=
0CWiW-XzTJnXFJvvLhwlaiXnJxUTDYk1sD7YdaWyOARwk2keOkqo53hFGjmFlb2d8MwiD40LUwW=
sKJypTnoX9mUeSEwQNwE_TXqNpAqJF5SipQTU56wZ19OMRYL3j-LOnhrZOb4hOlFxeyBPqJQw29=
NU1DpxcVR201QLj6K5G3w89z0PRn_d5AjzQ-Dxa5mIw-litUhNXP5rPSZcK_sM8cFqUkCHDwwTr=
RtgNo1VsN0o_FdmTxoYBm2tu" target=3D"_blank" alias=3D"facebook" style=3D"col=
or: #4899C4; text-decoration: underline; mso-line-height-rule: exactly; -ms=
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ze-adjust: 100%; padding: 10px 0px 0px;" align=3D"center">Upgrade is locate=
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