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Subject:  See what Rewards Checking Plus can do for you 
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To: info@sterlingcal.com
Date: Mon, 14 Apr 2025 00:41:29 +0000
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=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A         Upgrade     =
96=0ACash back rewards, no monthly maintenance fees, and more great=0Afeatu=
res are waiting for you.=0A=0A( https://link.upgrade.com/f/a/Zgmv6jhF8Wa2BW=
Xu8rdpuA~~/AAQRxRA~/az5FMytFPC2GychTgcFo6JNdH5a1DFEFjQjUQKmHZwu_LQVO581ioYZ=
Uqm_d9mMFvspud7i9LIwpF6Xeygi-8lLc42jrCwXlrGnT-E5x_kU~ )=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0A=0AHi,=0AAre you ready for a better checking account expe=
rience=3F=0ARewards Checking Plus is here with:     =E2=80=93 Up to 2% cash=
 back on=0Apurchases1=0A=E2=80=93 Get paid up to two days early with direct=
 deposit2=0A=E2=80=93 No monthly maintenance fees=0A=0A=0A=0A=0AGet Started=
 (=0Ahttps://link.upgrade.com/f/a/YPx7o7GLNRd1pizbH7c5TA~~/AAQRxRA~/taRoOyM=
R-tTVqCl76fEnPdePAm4gtfCRX60U6YQzGCaKJSK1ev3Sp6l5Bqgz8zGkuTQIkRANT7rTlj64fh=
OMdx4SpC70CcvDXujNIBSOtNIGpVdTOVRmUZVbTSlNEJkiwu5P0O9C4hlGYbO3LmjakDPPYIQGl=
TnP6o0aqCJ20QUG6MAFOFpkjde-DdJqut6N7UQp3UZJv51dt8PkC9gRfF1aRW3BPNEOpa3s3Ph1=
htHOgFgP2qHk0k_TmJMx9CRM3j2_OS2gHHrfjCkl_lTLUg~~=0A)     =0A   It's easy =
=E2=80=93 simply sign in (=0Ahttps://link.upgrade.com/f/a/wqaneMpZvuq7pTQNX=
bJqbQ~~/AAQRxRA~/iNyTKgxaN9FusOdOfwyTU7Z6k5elJryLkk_0n0RQ0gF8lTXoRNyvia49rw=
Oqy-UlJLaQNL1nIvIua-0Jwoxp8TlMEJRXijIM4PNhMxoEcU0jjV41gxUesGptlZIfwcmGtyI_Z=
3HGUiFjFggJHdENFw~~=3Futm_source=3Drcxselldecl_pl_o&utm_medium=3Demail&utm_=
campaign=3Drcxselldecl_pl_o_send03&utm_content=3Demail_link=0A) to get star=
ted. Pair with the=0APerformance Savings account through=0AUpgrade3 and rea=
ch your goals=0Afaster!   Thanks,=0AThe Upgrade Team              If you ha=
ve questions, we're here=0Ato help.     support@upgrade.com=0A=0A=0A=0A=0A =
     Download the Upgrade app=0Atoday and start managing your account on th=
e go.=0ADownload in the App Store ( https://link.upgrade.com/f/a/Ef_1MUR3UI=
_A87ltWmz_-w~~/AAQRxRA~/ob21JVtR4KB3zmFq8lkqZ-XRri9Q0kHQ4TnHax6ploM8THG-3aZ=
nOoPhg9JA2Z3fWXpb5W9aiaMH8ZzL_ouZ74zQQ3-osLknqwIaeNuN3ru77Bm5ItpdxCjnfzHsG_=
o6 )=0AAndroid App in Google Play ( https://link.upgrade.com/f/a/PuUWhLw8oa=
vHi258zmA0oA~~/AAQRxRA~/ob21JVtR4KB3zmFq8lkqZ-XRri9Q0kHQ4TnHax6ploO51hLmIv9=
Pb--gbFy1saF0aYQGv_wc-QllRlD81C6PBPM0rMfyDDB5MAZUvFwZkPYlJ91U63L29wbDxJ7pgw=
JT )=0AApp Store=C2=AE is a registered trademark of Apple Inc. Google Play=
=E2=84=A2=0Aand the Google Play logo are trademarks of Google LLC.=0A=0A1 R=
ewards Checking Plus customers who set up monthly direct=0Adeposits ( https=
://link.upgrade.com/f/a/GAcA-BDAM5ho2M81q-P_pw~~/AAQRxRA~/cKpywgD4CKoht84Ey=
qKokTfMx44xWS5iYmuhfmDBqBrPEjUsvgqOm-sPpK21nAEfkAASbVMqEFe0Wipfj8xEk2QHKSwV=
e-I-zmcbpId5L9qojF9T1_fFFJFhn4nIL0WXrU_6FVn6HVNhtjDRpm7DIA~~ ) of=0A$1,000 =
or more earn 2% cash back on common everyday expenses at=0Aconvenience stor=
es, drugstores, restaurants and bars - including=0Adeliveries - and gas sta=
tions, as well as recurring payments on=0Autilities and monthly subscriptio=
ns including phone, cable, TV=0Aand other streaming services, and 1% cash b=
ack on all other debit=0Acard purchases. 2% cash back is limited to $500 in=
 rewards per=0Acalendar year; after $500, customers earn 1% cash back on al=
l=0Aeligible debit card purchases for the remainder of the year.=0ARewards =
Checking Plus accounts with less than $1,000 in monthly=0Adirect deposits 6=
0 days after account opening will earn 1% cash=0Aback on common everyday ex=
penses and 0.50% cash back on all other=0Aeligible debit card purchases. So=
me limitations apply. Please=0Arefer to the applicable Upgrade Visa=C2=AE D=
ebit Card Agreement and=0ADisclosures for more information.=0A2 Early direc=
t deposit requires setting up of recurring=0Aelectronic direct deposit from=
 your employer, payroll, or=0Abenefits provider and is limited to direct de=
posits under $5,000.=0AEarly access to direct deposit funds depends on the =
timing in=0Awhich we receive notice of impending direct deposit, which is=
=0Agenerally up to two days before the scheduled deposit date.=0A3=0APerfor=
mance Savings account only available to=0Acurrent customers with a Rewards =
Checking Plus account through=0AUpgrade. Outbound account transfers from th=
e=0APerformance Savings account may only be made to=0Ayour Rewards Checking=
 Plus account through Upgrade. The Annual=0APercentage Yield (APY) for the =
Performance Savings=0Aaccount is variable and may change at any time.=0A Al=
l loans, Personal Credit=0ALines, and checking and savings accounts are pro=
vided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/eSVKBkTrD=
XTU-wcK3OBCVA~~/AAQRxRA~/LNFv-6Etu5Mez1O9jbNBCM38USBaonBMTboClhP_-OgNtG8Jdn=
JysfecmO8rzCBT_dGwA77UK8dSMIN7d9p6Q5DOuBTKnfmNYNLZOaZdXmqGbDRBShESjTunfqY8o=
FuM ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are iss=
ued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f/a/eSVKBkTr=
DXTU-wcK3OBCVA~~/AAQRxRA~/LNFv-6Etu5Mez1O9jbNBCM38USBaonBMTboClhP_-OgNtG8Jd=
nJysfecmO8rzCBT_dGwA77UK8dSMIN7d9p6Q5DOuBTKnfmNYNLZOaZdXmqGbDRBShESjTunfqY8=
oFuM ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS=
 #1548935) holds the following state licenses=0A=0A( https://link.upgrade.c=
om/f/a/QVFwNgrcxybcpt9xxzj-Vg~~/AAQRxRA~/TwQnGhaXgqrPAjGIB0QKi7ZLZDrrhTv1pg=
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ksrKjOTU99XSiD4sCUTawCa1qlNjkVI8nXc2XyJABnl-uoyfxHU~ )=0A and does business=
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quueHNQ~~/AAQRxRA~/gEia_e9964wrbQcf-1Dy-kT1LpLVCaiNmDYmeFRS0Ff0JxPjYEnTpdBb=
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=0A=0AUpgrade is a financial technology company, not a bank =0A( https://li=
nk.upgrade.com/f/a/sby2Smg54QAdNURkkWRsjA~~/AAQRxRA~/531UOUuQbPHfXkPvMhLWhT=
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0 !important; padding-left: 0 !important;=0A  }=0A  .mblPdLR {=0A    paddin=
g-left: 20px !important; padding-right: 20px !important;=0A  }=0A  .mblCntr=
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important; max-height: none !important;=0A  }=0A}=0A@media screen and (max-=
width:410px) {=0A  .mblLft {=0A    text-align: left !important;=0A  }=0A  .=
w100b {=0A    width: 100% !important;=0A  }=0A  .mbl_txt_link {=0A    font-=
size: 12px !important;=0A  }=0A  .mbl_text_cs {=0A    font-size: 14px !impo=
rtant;=0A  }=0A}=0A@media screen and (max-width:375px) {=0A  .mbl_txt_link =
{=0A    font-size: 12px !important; display: none !important;=0A  }=0A  .ct=
a_table {=0A    width: 90% !important;=0A  }=0A}=0A@media screen and (max-w=
idth:325px) {=0A  .mbl_txt_link {=0A    font-size: 10px !important; display=
: none !important;=0A  }=0A}=0A</style>=0A  </head>=0A  <body style=3D"heig=
ht: 100% !important; width: 100% !important; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; margin: 0 auto; padding: 0;"><span style=3D"f=
ont-size: 0px !important; line-height: 0px !important;">=0D=0A=0D=0A=0D=0A=
=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A</span>=0D=0A=0D=
=0A=0D=0A<meta http-equiv=3D"Content-Type" content=3D"text/html; charset=3D=
utf-8" />=0D=0A<meta name=3D"viewport" content=3D"width=3Ddevice-width, ini=
tial-scale=3D1.0" />=0D=0A<!--[if !mso]><!-->=0D=0A<meta http-equiv=3D"X-UA=
-Compatible" content=3D"IE=3Dedge" />=0D=0A<!--<![endif]-->=0D=0A<title>Upg=
rade</title>=0D=0A=0D=0A<!--[if gte mso 9]><xml>=0D=0A  <o:OfficeDocumentSe=
ttings>=0D=0A  <o:AllowPNG/>=0D=0A  <o:PixelsPerInch>96</o:PixelsPerInch>=
=0D=0A  </o:OfficeDocumentSettings>=0D=0A  </xml><![endif]-->=0D=0A=0D=0A=
=0D=0A=0D=0A<!--PREHEADER STARTS HERE-->=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 style=3D"font-family: Helvetica, Arial, sans-serif; font-size: 1px; line=
-height: 1px; color: #f5f5f5; max-height: 0px; max-width: 0px; opacity: 0; =
overflow: hidden; display: none; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">Cash back =
rewards, no monthly maintenance fees, and more great features are waiting f=
or you.</td>=0D=0A    </tr>=0D=0A  </tbody>=0D=0A</table>=0D=0A<!--/PREHEAD=
ER ENDS HERE--> =0D=0A<!--ALL CONTENT STARTS HERE--> =0D=0A<!--HEADER START=
S HERE-->=0D=0A<table align=3D"center" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" class=3D"mbl" style=3D"width: 100%; min-width: 100% !important=
; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#f5=
f5f5">=0D=0A  <tbody>=0D=0A  =0D=0A  <tr>=0D=0A    <td style=3D"font-size: =
0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;">&nbsp;</td>=0D=0A    <td align=3D"center" style=3D"widt=
h: 600px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%;" valign=3D"top"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; min-widt=
h: 90% !important; 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 align=3D"=
center" valign=3D"top" style=3D"mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: collaps=
e; 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"font-size: 0; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%; padding: 15px 0;" 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%;">=0D=0A                        <tbody>=0D=0A =
                         <tr>=0D=0A                            <td align=3D=
"left" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; =
-webkit-text-size-adjust: 100%;"><table border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" class=3D"mblHeader" style=3D"width: 100%; max-width: 600px; b=
order-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms=
-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 90% !im=
portant;">=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" ce=
llspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-=
lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%;">=0A            <tbody>=0A              <tr>=0A       =
         <td style=3D"font-size: 0; mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" valign=
=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"w=
idth: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rsp=
ace: 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.upgrade.com/f/a/Zgmv6jhF8Wa2BWX=
u8rdpuA~~/AAQRxRA~/az5FMytFPC2GychTgcFo6JNdH5a1DFEFjQjUQKmHZwu_LQVO581ioYZU=
qm_d9mMFvspud7i9LIwpF6Xeygi-8lLc42jrCwXlrGnT-E5x_kU~" style=3D"font-family:=
 Graphik, Helvetica, Arial, sans-serif; text-align: center; font-size: 20px=
; color: #4899C4 !important; text-decoration: none; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img a=
lt=3D"&nbsp;" border=3D"0" height=3D"33" src=3D"https://braze-images.com/ap=
pboy/communication/assets/image_assets/images/63348ce6db77c73d707010e4/orig=
inal.png=3F1664388326" style=3D"outline: 0px; width: 144px; height: auto; f=
ont-family: Graphik, Helvetica, Arial, sans-serif; font-size: 24px; color: =
rgb(0, 175, 106); text-decoration: none; -ms-interpolation-mode: bicubic; p=
adding: 0px; border-width: 0px;" title=3D"logo" width=3D"144" class=3D"cent=
er" /></a></td>=0A                      </tr>=0A                    </tbody=
>=0A                  </table></td>=0A              </tr>=0A            </t=
body>=0A          </table></td>=0A      </tr>=0A    </tbody>=0A  </table>=
=0A  <!-- X-250ok-CID: upgrade_rc_xsell_pl_declined_old_send03-->=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                </tbo=
dy>=0D=0A              </table></td>=0D=0A          </tr>=0D=0A        </tb=
ody>=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-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A=
        <tbody>=0D=0A        =0D=0A        <tr>=0D=0A          <td align=3D=
"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 40px 0;"><table border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: coll=
apse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 1=
00%; -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-weig=
ht: bold; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%;" align=3D"left"></td>=0D=0A                </tr>=
=0D=0A                <tr>=0D=0A                  <td style=3D"padding-top:=
 0px; font-family: Helvetica, Arial, serif; font-size: 16px; line-height: 2=
2px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%;" align=3D"left"><span style=3D"font-si=
ze: 0px; line-height: 1;"></span>Hi,</td>=0D=0A                </tr>=0D=0A =
               <tr>=0D=0A                  <td style=3D"font-family: Helvet=
ica, Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; padding: 15px 0px 0px;" align=3D"left">Are you ready for a bett=
er checking account experience=3F</td>=0D=0A                </tr>=0D=0A    =
                <tr>=0D=0A                  <td style=3D"font-family: Graph=
ik, Graphik, Helvetica, Arial, Sans-Serif; font-size: 16px; line-height: 24=
px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left">=
 <strong>Rewards Checking Plus is here with</strong>:</td>=0D=0A           =
     </tr>=0D=0A                <tr>=0D=0A                      <td style=
=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;"><table style=3D"border-collapse: collapse; mso-table-l=
space: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;">=0D=0A                          <tr>=0D=0A            =
                <td valign=3D"top" align=3D"left" width=3D"25" style=3D"fon=
t-family: Helvetica, Arial, serif; font-size: 16px; line-height: 22px; colo=
r: #0E680E; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%; padding: 15px 5px 0px 20px;"><strong>=E2=80=93<=
/strong></td>=0D=0A                            <td valign=3D"top" width=3D"=
515" style=3D"padding-top: 15px; font-family: Helvetica, Arial, serif; font=
-size: 16px; line-height: 22px; color: #37383A; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"l=
eft">Up to 2% cash back on purchases<sup style=3D"font-size: 10px; line-hei=
ght: 1;">1</sup></td>=0D=0A                          </tr>=0D=0A           =
             </table></td>=0D=0A                    </tr>=0D=0A            =
         <tr>=0D=0A                      <td style=3D"mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tab=
le style=3D"border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rsp=
ace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=
=0A                          <tr>=0D=0A                            <td vali=
gn=3D"top" align=3D"left" width=3D"25" style=3D"font-family: Helvetica, Ari=
al, serif; font-size: 16px; line-height: 22px; color: #0E680E; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%; padding: 15px 5px 0px 20px;"><strong>=E2=80=93</strong></td>=0D=0A     =
                       <td valign=3D"top" width=3D"515" style=3D"padding-to=
p: 15px; 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">Get paid up to two =
days early with direct deposit<sup style=3D"font-size: 10px; line-height: 1=
;">2</sup></td>=0D=0A                          </tr>=0D=0A                 =
       </table></td>=0D=0A                    </tr>=0D=0A                  =
  <tr>=0D=0A                      <td style=3D"mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table styl=
e=3D"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 valign=3D"to=
p" align=3D"left" width=3D"25" style=3D"font-family: Helvetica, Arial, seri=
f; font-size: 16px; line-height: 22px; color: #0E680E; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padd=
ing: 15px 5px 0px 20px;"><strong>=E2=80=93</strong></td>=0D=0A             =
               <td valign=3D"top" width=3D"515" style=3D"font-family: Helve=
tica, Arial, serif; font-size: 16px; line-height: 22px; color: #37383A; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%; padding: 15px 0px 20px;" align=3D"left">No monthly maintenance=
 fees=0D=0A</td>=0D=0A                          </tr>=0D=0A                =
        </table></td>=0D=0A                    </tr>=0D=0A                =
=0D=0A              <!--/BUTTON STARTS HERE-->=0D=0A              <span sty=
le=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%; padding: 0px;=
"><!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"center" class=3D"ct=
a_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 2=
75px; border-collapse: separate; -webkit-border-radius: 8px; -moz-border-ra=
dius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px s=
olid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A              =
<td height=3D"45" style=3D"height: 40px; color: #ffffff; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" v=
align=3D"middle" align=3D"center"><a alias=3D"Get Started" href=3D"https://=
link.upgrade.com/f/a/YPx7o7GLNRd1pizbH7c5TA~~/AAQRxRA~/taRoOyMR-tTVqCl76fEn=
PdePAm4gtfCRX60U6YQzGCaKJSK1ev3Sp6l5Bqgz8zGkuTQIkRANT7rTlj64fhOMdx4SpC70Ccv=
DXujNIBSOtNIGpVdTOVRmUZVbTSlNEJkiwu5P0O9C4hlGYbO3LmjakDPPYIQGlTnP6o0aqCJ20Q=
UG6MAFOFpkjde-DdJqut6N7UQp3UZJv51dt8PkC9gRfF1aRW3BPNEOpa3s3Ph1htHOgFgP2qHk0=
k_TmJMx9CRM3j2_OS2gHHrfjCkl_lTLUg~~" style=3D"display: inline-block; font-s=
ize: 16px; line-height: 24px; 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-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--[if m=
so]>&nbsp;&nbsp;&nbsp;<![endif]-->Get Started<!--[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 H=
ERE-->=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: 25px 0px 0px;" align=3D"left">It's easy =E2=80=93 simply=
 <a alias=3D"check your rate" href=3D"https://link.upgrade.com/f/a/ZjYg56OI=
xFfQytgbkKCs5Q~~/AAQRxRA~/OnPXh7wt_e04xpvbYYZGLu48xMfvaKs7O4HxV-wuMKa2dWARR=
k89rfjWZypN24YJSnlt8F653XfCUdz8yJPCUYd0BU4grCyBzCEMpQnFDkNQxwrQ87x4FiZlakRN=
U1RYgygHsliXBZ-lVqXHBWj9zvYNLB8YRuEFckjdAHRpWaHpN_qvJZbWjV4beymoywZqwLA7A_C=
J4yoj7h9cSrVDJ4vRSbwBADE32CbwlhTMy7RDQHHfm57DRNGSumvWmB1EJvxn0pBTdcO7S1Skqu=
hdKg~~" style=3D"color: #4899C4 !important; display: inline-block; mso-line=
-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust=
: 100%;">sign in</a> to get started. Pair with the Performance Savings acco=
unt through Upgrade<sup style=3D"font-size: 10px; line-height: 1;">3</sup> =
and reach your goals faster!</td>=0D=0A                </tr>     =0D=0A    =
                            =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">Thanks,<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 border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#F5F4F3">=0D=0A=
        <tbody>=0D=0A          <tr>=0D=0A            <td style=3D"padding-t=
op: 0px; font-family: Helvetica, Arial, sans-serif; font-size: 12px; line-h=
eight: 18px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 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; border-bott=
om-style: solid; max-width: 600px; border-collapse: collapse; mso-table-lsp=
ace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=0A    <td class=3D"m=
bl_text_cs" style=3D"padding-top: 25px; font-family: Helvetica, Arial, seri=
f; font-size: 16px; line-height: 20px; color: #37383A; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" ali=
gn=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-fam=
ily: Helvetica, Arial, serif; font-size: 16px; line-height: 20px; color: #3=
7383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 3px 3px 25px;" align=3D"center">=0D=0A     =
 <a href=3D"mailto:support@upgrade.com" style=3D"font-family: Helvetica, Ar=
ial, serif; color: #4899C4 !important; text-decoration: underline; vertical=
-align: middle; display: inline-block; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;">support@upgrade.com=
</a>=0D=0A    </td>=0D=0A  </tr>=0D=0A</table></td>=0D=0A          </tr>=0D=
=0A        </tbody>=0D=0A      </table>=0D=0A      =0D=0A      <!-- /CONTAC=
T 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: 0pt; m=
so-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: exactly; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0;"=
><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 sty=
le=3D"font-family: Graphik, 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%; padding: 0px;" align=3D"=
left"> <span style=3D"font-size: 0px; line-height: 0;">=0D=0A=0D=0A=0D=0A=
=0D=0A</span>=0D=0A=0D=0A=0D=0A<table align=3D"center" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600px; border=
-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text=
-size-adjust: 100%; -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: 15px 0px 0px;"=
>=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%;">=0D=0A                <tr>=0D=0A                    <td style=3D"font=
-family: Helvetica, Arial, sans-serif; font-size: 14px; line-height: 1.5; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%; padding: 0px 20px;" align=3D"center" valign=3D"top">Download=
 the Upgrade app today and start managing your account on the go.=0D=0A    =
                </td>=0D=0A                </tr>=0D=0A            </table>=
=0D=0A        </td>=0D=0A    </tr>=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: 15px 0px 0px;">=0D=0A            =
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"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-rul=
e: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pad=
ding: 10px;">=0D=0A                        <a alias=3D"App Store" href=3D"h=
ttps://link.upgrade.com/f/a/Ef_1MUR3UI_A87ltWmz_-w~~/AAQRxRA~/ob21JVtR4KB3z=
mFq8lkqZ-XRri9Q0kHQ4TnHax6ploM8THG-3aZnOoPhg9JA2Z3fWXpb5W9aiaMH8ZzL_ouZ74zQ=
Q3-osLknqwIaeNuN3ru77Bm5ItpdxCjnfzHsG_o6" target=3D"_blank" style=3D"color:=
 #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%;">=0D=0A                            <im=
g src=3D"https://braze-images.com/appboy/communication/assets/image_assets/=
images/647a1e9a6f3296004f2a4b73/original.gif=3F1685724826" alt=3D"Download =
in the App Store" title=3D"Download in the App Store" style=3D"width: 145px=
; height: auto; max-width: 145px !important; outline: none; text-decoration=
: none; -ms-interpolation-mode: bicubic; border-width: 0;" />=0D=0A        =
                </a>=0D=0A                    </td>=0D=0A                  =
  <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;">=0D=0A     =
                   <a alias=3D"Google Play" href=3D"https://link.upgrade.co=
m/f/a/PuUWhLw8oavHi258zmA0oA~~/AAQRxRA~/ob21JVtR4KB3zmFq8lkqZ-XRri9Q0kHQ4Tn=
Hax6ploO51hLmIv9Pb--gbFy1saF0aYQGv_wc-QllRlD81C6PBPM0rMfyDDB5MAZUvFwZkPYlJ9=
1U63L29wbDxJ7pgwJT" target=3D"_blank" style=3D"color: #4899C4 !important; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%;">=0D=0A                            <img src=3D"https://braze=
-images.com/appboy/communication/assets/image_assets/images/647a1e7252f9350=
04fd6661a/original.gif=3F1685724786" alt=3D"Android App in Google Play" tit=
le=3D"Android App in Google Play" style=3D"width: 145px; height: auto; max-=
width: 145px !important; outline: none; text-decoration: none; -ms-interpol=
ation-mode: bicubic; border-width: 0;" />=0D=0A                        </a>=
=0D=0A                    </td>=0D=0A                </tr>=0D=0A           =
 </table>=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%;">=0D=0A                <tr>=0D=0A                    <td style=
=3D"font-family: Helvetica, Arial, sans-serif; font-size: 10px; line-height=
: 1.5; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 0px 20px;" align=3D"center" valign=3D"top">=
App Store=C2=AE is a registered trademark of Apple Inc. Google Play=E2=84=
=A2 and the Google Play logo are trademarks of Google LLC.</td>=0D=0A      =
          </tr>=0D=0A            </table>=0D=0A        </td>=0D=0A    </tr>=
=0D=0A</table>=0D=0A  </td>=0D=0A                  </tr>=0D=0A             =
     <tr>=0D=0A                    <td style=3D"padding-top: 15px; font-fam=
ily: Helvetica, Arial, sans-serif; font-size: 12px; line-height: 18px; colo=
r: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;" align=3D"left"><sup style=3D"font-size: 8px; l=
ine-height: 1;">1</sup> Rewards Checking Plus customers who set up <a alias=
=3D"Active Account Page" href=3D"https://link.upgrade.com/f/a/GAcA-BDAM5ho2=
M81q-P_pw~~/AAQRxRA~/cKpywgD4CKoht84EyqKokTfMx44xWS5iYmuhfmDBqBrPEjUsvgqOm-=
sPpK21nAEfkAASbVMqEFe0Wipfj8xEk2QHKSwVe-I-zmcbpId5L9qojF9T1_fFFJFhn4nIL0WXr=
U_6FVn6HVNhtjDRpm7DIA~~" style=3D"color: #4899C4 !important; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;">monthly direct deposits</a> of $1,000 or more earn 2% cash back on commo=
n everyday expenses at convenience stores, drugstores, restaurants and bars=
 - including deliveries - and gas stations, as well as recurring payments o=
n utilities and monthly subscriptions including phone, cable, TV and other =
streaming services, and 1% cash back on all other debit card purchases. 2% =
cash back is limited to $500 in rewards per calendar year; after $500, cust=
omers earn 1% cash back on all eligible debit card purchases for the remain=
der of the year. Rewards Checking Plus accounts with less than $1,000 in mo=
nthly direct deposits 60 days after account opening will earn 1% cash back =
on common everyday expenses and 0.50% cash back on all other eligible debit=
 card purchases. Some limitations apply. Please refer to the applicable Upg=
rade Visa=C2=AE Debit Card Agreement and Disclosures for more information.<=
/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-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;" align=3D"left"><sup style=3D"font-size: 8px; line-height: 1;">2</sup>=
 Early direct deposit requires setting up of recurring electronic direct de=
posit from your employer, payroll, or benefits provider and is limited to d=
irect deposits under $5,000. Early access to direct deposit funds depends o=
n the timing in which we receive notice of impending direct deposit, which =
is generally up to two days before the scheduled deposit date.=0A</td>=0D=
=0A                  </tr>=0D=0A                  <tr>=0D=0A               =
     <td style=3D"padding-top: 15px; font-family: Helvetica, Arial, sans-se=
rif; font-size: 12px; line-height: 18px; color: #37383A; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" a=
lign=3D"left"><sup style=3D"font-size: 8px; line-height: 1;">3</sup> Perfor=
mance Savings account only available to current customers with a Rewards Ch=
ecking Plus account through Upgrade. Outbound account transfers from the Pe=
rformance Savings account may only be made to your Rewards Checking Plus ac=
count through Upgrade. The Annual Percentage Yield (APY) for the Performanc=
e Savings account is variable and may change at any time.</td>=0D=0A       =
           </tr>=0D=0A                   <tr>=0D=0A                    <td =
style=3D"font-family: Graphik, Helvetica, Arial, Sans-Serif; font-size: 12p=
x; line-height: 18px; color: #37383A; mso-line-height-rule: exactly; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px=
;" align=3D"left">=0A  All loans, Personal Credit Lines, and checking and s=
avings accounts are provided by Upgrade's <a href=3D"https://link.upgrade.c=
om/f/a/eSVKBkTrDXTU-wcK3OBCVA~~/AAQRxRA~/LNFv-6Etu5Mez1O9jbNBCM38USBaonBMTb=
oClhP_-OgNtG8JdnJysfecmO8rzCBT_dGwA77UK8dSMIN7d9p6Q5DOuBTKnfmNYNLZOaZdXmqGb=
DRBShESjTunfqY8oFuM" target=3D"_blank" style=3D"vertical-align: top; color:=
 #4899C4 !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%;">bank partners</a>. Upgrade Visa<sup s=
tyle=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; verti=
cal-align: top;">=C2=AE</sup> Debit Cards are issued by Upgrade's <a href=
=3D"https://link.upgrade.com/f/a/eSVKBkTrDXTU-wcK3OBCVA~~/AAQRxRA~/LNFv-6Et=
u5Mez1O9jbNBCM38USBaonBMTboClhP_-OgNtG8JdnJysfecmO8rzCBT_dGwA77UK8dSMIN7d9p=
6Q5DOuBTKnfmNYNLZOaZdXmqGbDRBShESjTunfqY8oFuM" target=3D"_blank" style=3D"v=
ertical-align: top; color: #4899C4 !important; mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank partne=
rs</a>, pursuant to a license from Visa USA Inc. <br />=0A<br />=0AUpgrade,=
 Inc. (NMLS #1548935) holds the following <a href=3D"https://link.upgrade.c=
om/f/a/QVFwNgrcxybcpt9xxzj-Vg~~/AAQRxRA~/TwQnGhaXgqrPAjGIB0QKi7ZLZDrrhTv1pg=
1L2tIFptl61K1DQnGxqZ0icG8xFZ9SZ0o0tO75JhUoGayydRQeyS1VQ18gbJuGZFFVKwFAlwT6W=
7wT4xuA_pU3P3J_gRnArtFGkwwdyx2TT6IvKKb8tnFXkc-sd-XsXPYLjWhY5QG2iy_L8jlMA9DO=
ksrKjOTU99XSiD4sCUTawCa1qlNjkVI8nXc2XyJABnl-uoyfxHU~" 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%;">stat=
e licenses</a> and does business under the following <a href=3D"https://lin=
k.upgrade.com/f/a/ymKMFCp1hM9yr6dquueHNQ~~/AAQRxRA~/gEia_e9964wrbQcf-1Dy-kT=
1LpLVCaiNmDYmeFRS0Ff0JxPjYEnTpdBbiB4jm5Gkn_BHKj7RphAKF9eRj1kh67IhladuI9cBIW=
5IriUJLjYWnFxLUrbCvpCU0N8lCaAK" target=3D"_blank" style=3D"vertical-align: =
top; color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;">DBAs</a>. <br />=0A<br />=
=0AUpgrade is a <a href=3D"https://link.upgrade.com/f/a/sby2Smg54QAdNURkkWR=
sjA~~/AAQRxRA~/531UOUuQbPHfXkPvMhLWhTm-uT_Xfh6H9G6GfzU2_5x1N-tGy8hsMwyO6gYj=
Lj-BMjlLsfs9BjcZw1wYpnK_-TVFoG3yOYNadYgTa5Sim9M9eO_5r9nJ0p__mXqxeQXzRCb9zSt=
ebDr2NQ5HILdFZjzw7lVK9xOvM6tNDw4eWntiicMBPTaxEOK_8jxNUGZ1" target=3D"_blank=
" style=3D"vertical-align: top; color: #4899C4 !important; mso-line-height-=
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: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"left">=
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" st=
yle=3D"width: 100%; max-width: 600px; border-collapse: collapse; mso-table-=
lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%;">=0D=0A  <tr>=0D=0A    <td align=3D"center" style=3D"m=
so-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; border-top=
-color: #cecece; border-top-style: solid; border-collapse: collapse; mso-ta=
ble-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%;">=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 0px;"><table class=3D"cent=
er" align=3D"center" border=3D"0" cellspacing=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-tex=
t-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-adjus=
t: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"https://=
link.upgrade.com/f/a/0fcIfPF6mP4pt82iwQzdtg~~/AAQRxRA~/taRoOyMR-tTVqCl76fEn=
Pcfr6kxFGlSu3dB9XLFnIXpWge4T_13SdfWXsImCU04u41xVgWozFV9_78i_cx0BZ6KUgDDHbcl=
0WFiex5O7lx_dv8aFJXWmCqhkIkwKq9DHgOiCJue69pJAhTBJXvb7jZp_9aIlYU6ZJZsidtlJEB=
t9Tb2FWi7W-8y8Vi7ODYCt_xdOuikIcKif6Vj8FgNLWDyTQ_GzSOEJ_0nxHa0IgTrJkOcmTrLHm=
Sqgmzjg3OcmQ3ZirfhDbROBU7FupMnUyA~~" target=3D"_blank" alias=3D"facebook" s=
tyle=3D"color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://bra=
ze-images.com/appboy/communication/assets/image_assets/images/65fb645920ede=
0004c647b15/original.png=3F1710974041" border=3D"0" alt=3D"facebook" title=
=3D"facebook" width=3D"24" height=3D"auto" style=3D"text-align: center; wid=
th: 24px; height: 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" =
width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"https://li=
nk.upgrade.com/f/a/CwNWLTjvCxj9kK2iFWLFjw~~/AAQRxRA~/taRoOyMR-tTVqCl76fEnPU=
byqT2_et1NdblZKwWRuHxylbgzTCKPB7_YnP6FNv3wVueJ6ifNvmBtCDhBgGBOPsEJPnrVIO9HJ=
bMt9gv7-f0EpBk2_6u5xylXPFnzg6ZnLQ9OXDEAtuplKciTLuX6Dk-6SzPk3yM2drPPPxtUH4VA=
hv3FEpiGB3mFbWBe5VTQA3A_rvqigRFUc9GQ0lBROwRrX5Yjc1a-KZ92yBZ9Th-aNgd-GcqzD6G=
R7sqlJGpY27gdL2QKlju-6G0hby6Oow~~" target=3D"_blank" alias=3D"instagram" st=
yle=3D"color: #4899C4 !important; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braz=
e-images.com/appboy/communication/assets/image_assets/images/65fb64594f39dd=
004c62621d/original.png=3F1710974041" border=3D"0" alt=3D"instagram" title=
=3D"instagram" width=3D"24" height=3D"auto" style=3D"text-align: center; wi=
dth: 24px; height: auto; outline: none; text-decoration: none; -ms-interpol=
ation-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=
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