Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id gCzXMPmpB2jYYQ8AchKAPA (envelope-from ) for ; Tue, 22 Apr 2025 09:38:49 -0500 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Tue, 22 Apr 2025 09:38:49 -0500 Received: from bz1170.e.upgrade.com ([223.165.123.182]:25094) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1u7Elt-00000004Ew7-0kqJ for info@sterlingcal.com; Tue, 22 Apr 2025 09:38:49 -0500 X-MSFBL: tbeuvsJx0b/QmJMXdZ5Isv3GXAXIdi1AgiHtpkzh5iY=|eyJjdXN0b21lcl9pZCI 6IjI2NjY5MyIsInRlbmFudF9pZCI6InNwYyIsIm1lc3NhZ2VfaWQiOiI2N2Y0ZWV hOTA3Njg0M2EyNDU5NyIsInN1YmFjY291bnRfaWQiOiI1MzMiLCJyIjoiaW5mb0B zdGVybGluZ2NhbC5jb20ifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com; s=scph0422; t=1745332718; i=@e.upgrade.com; bh=0+Ld5VbsFVxGHRCSDB4xJYftJ4wOTWxa5tiP+3vdHM4=; h=From:Message-ID:List-Unsubscribe:Subject:List-Unsubscribe-Post:To: Date:Content-Type:From:To:Cc:Subject; b=OC6sKM0OwYzxu4O09gOfO7Ha3ZDBEBAwzwESUSl7dxQW4u+12Ia9vNfIOo3uVwImu jSKjKa/wmUbmwq4TwHKjle3mi2fAloQ7hjiNQs6LoIXTNS51XjX+h1XQYXYyau407w WcFbhtU8zljHHvf0Nrylnf4NMCnQCLseN2jG6Zqw= Received: from [10.90.41.249] ([10.90.41.249]) by i-0e778d0ef02de6419.mta1vrest.sd.prd.sparkpost (ecelerity 4.8.0.74368 r(msys-ecelerity:tags/4.8.0.17)) with REST id 79/5C-61632-EE9A7086; Tue, 22 Apr 2025 14:38:38 +0000 From: "Upgrade" Message-ID: <79.5C.61632.EE9A7086@i-0e778d0ef02de6419.mta1vrest.sd.prd.sparkpost> List-Unsubscribe: , Subject: What are you waiting for? Check your rate today List-Unsubscribe-Post: List-Unsubscribe=One-Click To: info@sterlingcal.com Date: Tue, 22 Apr 2025 14:38:38 +0000 Content-Type: multipart/alternative; boundary="_----ylmzx+GIJa5MEgOR0sVO6g===_84/5C-61632-EE9A7086" MIME-Version: 1.0 Reply-To: noreply.email@upgrade.com X-Spam-Status: No, score=-3.3 X-Spam-Score: -32 X-Spam-Bar: --- X-Spam-Flag: NO --_----ylmzx+GIJa5MEgOR0sVO6g===_84/5C-61632-EE9A7086 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset="UTF-8" Wipe out your credit card debt in as few as 36 months with a=0Apersonal loa= n through Upgrade.=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A Upgrade 96=0A(= https://link.upgrade.com/f/a/_BWzkDcNtTe4rSId6Gkx7w~~/AAQRxRA~/-IBQE_6N9wa= gJCu_CprVVva_gOXk8Hc_RMQr6AtcHcPczXbQdTLM0OhXAGMWAD-VxKUDlP78H2kVcP4lBNEpo4= DlNVbov5gVIM8haeoJxt8~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0AHow mu= ch could you save=3F Did you know that only paying the=0Aminimum payment = on your credit card each month can draw out your=0Arepayment for over a dec= ade=3F With a personal loan (=0Ahttps://link.upgrade.com/f/a/yqFB6ccOLu3Xku= ZsUDVLXA~~/AAQRxRA~/FwdGWORGPWlJSgsmflDm3SxLW0nPKxu8A16yD5kitKHIIwgs4UymstF= BGFrOtSdZ4Wd_JDg0Dda6A3m4ucs4zjeYHfbg_SX1HcJ4KL1Rvl9Quh0-ns_sYDPAU3UPf5ktAC= hsaLDqTqUkED-zy2jgvw~~=3Futm_source=3Ddecl_old&utm_medium=3Demail&utm_campa= ign=3Dsend04_b&utm_content=3Demail_link=0A) through Upgrade you can wipe ou= t your credit card debt in as=0Afew as 36 months. =0A=0A=0A=0ACheck Your R= ate (=0Ahttps://link.upgrade.com/f/a/s894qkwHSOyHvT596pP1hQ~~/AAQRxRA~/mnby= 8QPo5BiwfAGxCMNBFqNG_RIwLd-hl7TaGtxgctbCKlkq0i2LaJt7N7n6jw4t-C6Typ0xqStGVwb= PCA-Jbpxur6_4_sx2k5i3ebmvMTMp_2wtjm5hR_VHh9m4PDQ_SbjOESgZtM5l_qhCFg5PIS9L02= 9pSO82XSrey-XbM-HXUiKQH4lPr5Rzo3XOmzicd7Ty_3r5bBaeEiAArNTC_VKofXZp8pF7qySKt= 3UPTzOHhPeEj_W7S93Ojq4vADy5=0A) =0A It=E2=80=99s easy to check your ra= te=0A=E2=80=94 click here (=0Ahttps://link.upgrade.com/f/a/yqFB6ccOLu3XkuZs= UDVLXA~~/AAQRxRA~/FwdGWORGPWlJSgsmflDm3SxLW0nPKxu8A16yD5kitKHIIwgs4UymstFBG= FrOtSdZ4Wd_JDg0Dda6A3m4ucs4zjeYHfbg_SX1HcJ4KL1Rvl9Quh0-ns_sYDPAU3UPf5ktAChs= aLDqTqUkED-zy2jgvw~~=3Futm_source=3Ddecl_old&utm_medium=3Demail&utm_campaig= n=3Dsend04_b&utm_content=3Demail_link=0A) to see how much you could save. W= hen you check your rate, there=0Ais no obligation and no impact to your cre= dit score. Thank you,=0AThe Upgrade Team If you have que= stions, we're=0Ahere to help. support@upgrade.com 1= =0APersonal loans made through Upgrade feature Annual Percentage=0ARates (A= PRs) of 7.99%-35.99%. All personal loans have a 1.85% to=0A9.99% originatio= n fee, which is deducted from the loan proceeds.=0ALowest rates require Aut= opay and paying off a portion of existing=0Adebt directly. Loans feature re= payment terms of 24 to 84 months.=0AFor example, if you receive a $10,000 l= oan with a 36-month term=0Aand a 17.59% APR (which includes a 13.94% yearly= interest rate=0Aand a 5% one-time origination fee), you would receive $9,5= 00 in=0Ayour account and would have a required monthly payment of=0A$341.48= . Over the life of the loan, your payments would total=0A$12,293.46. The A= PR 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, cre= dit usage history, loan term,=0Aand other factors. Late payments or subsequ= ent charges and fees=0Amay increase the cost of your fixed rate loan. There= is no fee or=0Apenalty for repaying a loan early. Accept your loan offe= r and=0Ayour funds will be sent to your bank or designated account within= =0Aone (1) business day of clearing necessary verifications.=0AAvailability= of the funds is dependent on how quickly your bank=0Aprocesses the transac= tion. From the time of approval, funds sent=0Adirectly to you should be ava= ilable within one (1) business day.=0AFunds sent directly to pay off your c= reditors may take up to 2=0Aweeks to clear, depending on the creditor. A= ll loans, Personal=0ACredit Lines, and checking and savings accounts are pr= ovided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/VZ9GFh52= aTjVTqGUnUzfWw~~/AAQRxRA~/WNyULni_byG1kadAk9DuCYuQUzZhYAhllz4TutKyMHgpEslPI= CKgbW6C_tOXFyoEoIvGSyrVQ1n_U6_w5c1r9VT7LAkKUVBYEbj0u7suK4oKWIA9XNxc_Ztf3Qr6= M72v ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are is= sued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f/a/VZ9GFh5= 2aTjVTqGUnUzfWw~~/AAQRxRA~/WNyULni_byG1kadAk9DuCYuQUzZhYAhllz4TutKyMHgpEslP= ICKgbW6C_tOXFyoEoIvGSyrVQ1n_U6_w5c1r9VT7LAkKUVBYEbj0u7suK4oKWIA9XNxc_Ztf3Qr= 6M72v ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NML= S #1548935) holds the following state licenses=0A=0A( https://link.upgrade.= com/f/a/4A0hptlogRpach17PLlRmg~~/AAQRxRA~/MJakMGGImn66ILgFOP1ZQr33rMUUxQBsH= A2kxNbAC-A-e1ezTyr6A7DlYQH8BRjYjee5CLHVkU_3Pt8YHYz0uyPrrpTU0l_BYCwFAafuU34v= 1y_E6hgdDJSPfEBIekQ2pwgcYVDlGykqCybX6mlbuGqlE22M6KBlw95J2RHbt_ZP3g-h6-g9ZX6= sDKa_zv8b0125rsSBOpxStK9T6cMH0xc-yrmZaaxqnV8ifby03Zo~ )=0A and does busines= s under the following DBAs =0A( https://link.upgrade.com/f/a/c-9L13Vfiq699J= 5SjUWN-A~~/AAQRxRA~/oR20Nq0NVTDuZ97HP9tlHIiSEy5Frv41SX8Hr6INN7Bnn2s-IpKGdt5= cYHb8xR1YApQvZIZbtI4qFwV1EU0hDV2VpPhkKK2NUrf5aZ2_sp5GYTPCmySIyQ2_4tFU5bdy )= .=0A=0AUpgrade is a financial technology company, not a bank =0A( https://= link.upgrade.com/f/a/127XXsPK-g9pbcpbJGaeog~~/AAQRxRA~/4pX39UEgLkb8lnrPc-7P= 6UX99rW76LNyvbY5y30ne_bEmEQWm_2rknRyW-yNM_g_h21AIxfW7WNm4rMmA-opUr_L2FORZMx= PG1x-PHEQ7BrpNMtUVVNSc7A4e219fhFGA2vdcwbj8KXgZRTYA_fblExr8TRvChbnFXmpq2N6c1= eBHK_GQ_-EMIOFEq7SbHVh )=0A. facebook =0A( https://link.upgrade= .com/f/a/9qLwnQ5R2TGF-shWMbY2fw~~/AAQRxRA~/fuI9qiIcovrCkGPxwt750zC7isd8AdQ= p4r0R5AgdlP64FOMKbLU9SCLm2I_1bYLPpC9OUV88T5tXKEQH9zRKNNQxq6j9M4ub1nFsKOP5kd= NuTH1IaWbesv80DrNiS95HtFqAHkw66JLLqDL8SCZaHYjkTiWKQ4s1T8HHf4bZQjJs5ombf7cf4= hyHbo-MunarmF6ccUiWs9vYTpGQT0AblMtjTsG2b72K4L6gRnFLSimCssRZj1BRxznqfrwa9kd4= )=0A instagram =0A( https://link.upgrade.com/f/a/EPXDypEZJ0Un3k-8wSbelw~= ~/AAQRxRA~/fuI9qiIcovrCkGPxwt750-mhTKMfjXplgDiqlAtuTAWCRqwHnMoLEGyN9cCoZ5ij= kK1jMxcj_FB9rzWAObbblojzfS-ZPLTy7hmAYRc7txvTv9rlyf08BwuPyC6ztNCpZEqwk28145F= Vaeidy0QqcoyfbkC7c5w0zuL2w-jZJexZiOtSZlfZ0f5Gs9nrrZClaf1lAkIM4jNajjmBVKndAX= tdxFtcnCCVuSueESQ8WtUnXNb95NrWlLQ2vN-CA2Tr )=0A blog =0A( https://link.up= grade.com/f/a/G79ErhQXlnoJKIx1xuXx0Q~~/AAQRxRA~/lbkOVyrNQeR8HIFml5eGJZhyHNr= V5oDCG316WtANg31-GJhRl_w6Wb81AyhYteP8ZHMcXZHlfI6XlrxNhiFSgz6bRQDL3MunZcuCYH= BItowRuAOM0xzF8oqqkqiFCWsKRhqt_kbw4x9PfnqY_K7kcg9l1nB-srxfT7PVJBD6a1CaZSCe8= DxOPB9daeyiZhzpxpMJbgC16bQAzxMxO4gmw9LS-R4AyEhihm0Y3fB4N0hURjXF7qKOUS6olJff= r7N8 )=0A Please do not reply directly to this message as it was=0Ase= nt from an unattended mailbox. 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All rights=0Areserved. Privacy Policy ( https://link.upgrade.= com/f/a/pBi0BRCoT0rpoD3X5l9tRA~~/AAQRxRA~/s_8nrqeP-JLk3FvELMBBSS7MXd6ZvSJWo= 2qOXUjCcC3aERzlguzVX1ZTwCHLwFZGniVzRQmh4RXZTrlK_Qu_KYqneZWPsQLwyz64G-7nzlHc= TNosSuelMnhkgzDH4aF7 )=0A=0A Equal Housing Lender=0A=0APL_ITA_DECL_OLD_S4 --_----ylmzx+GIJa5MEgOR0sVO6g===_84/5C-61632-EE9A7086 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="UTF-8" =0A=0A =0A =0A =0A =0A =0A
Wipe out your c= redit card debt in as few as 36 months with a personal loan through Upgrade= .
=0A
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=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=0D=0A=0D=0A=0D=0A=0D=0A= =0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0AUpgrade</tit= le>=0D=0A=0D=0A<!--[if gte mso 9]><xml>=0D=0A <o:OfficeDocumentSettings>= =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<!--P= REHEADER STARTS HERE-->=0D=0A<table border=3D"0" cellpadding=3D"0" cellspac= ing=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: Graphik, 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-size-adjus= t: 100%; -webkit-text-size-adjust: 100%;" align=3D"left"> </td>=0D=0A = </tr>=0D=0A </tbody>=0D=0A</table>=0D=0A<!--ALL CONTENT STARTS HERE--> = =0D=0A<!--HEADER STARTS HERE-->=0D=0A<table align=3D"center" border=3D"0" c= ellpadding=3D"0" cellspacing=3D"0" class=3D"mbl" style=3D"width: 100%; 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-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/_BWzkDcNtTe4rSI= d6Gkx7w~~/AAQRxRA~/-IBQE_6N9wagJCu_CprVVva_gOXk8Hc_RMQr6AtcHcPczXbQdTLM0OhX= AGMWAD-VxKUDlP78H2kVcP4lBNEpo4DlNVbov5gVIM8haeoJxt8~" style=3D"font-family:= Graphik, Helvetica, Arial, sans-serif; text-align: center; font-size: 20px= ; color: #00AF6A; text-decoration: none; mso-line-height-rule: exactly; -ms= -text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img alt=3D" = ;" border=3D"0" height=3D"33" src=3D"https://braze-images.com/appboy/commun= ication/assets/image_assets/images/63348ce6db77c73d707010e4/original.png=3F= 1664388326" style=3D"outline: 0px; width: 144px; height: auto; font-family:= Graphik, Helvetica, Arial, sans-serif; font-size: 24px; color: rgb(0, 175,= 106); image-rendering: auto; text-decoration: none; -ms-interpolation-mode= : bicubic; padding: 0px; border-width: 0px;" title=3D"logo" width=3D"144" c= lass=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_send04_a-->=0A = =0A <span style=3D"font-size: 0px; line-height: 1;">=0A =0A =0A =0A = =0A =0A =0A =0A =0A =0A =0A =0A =0A =0A =0A <span style=3D"font-= size: 0px; line-height: 0;">=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A =0D=0A=0D= =0A</span>=0D=0A=0A =0A </span>=0A =0A =0A =0A </td>=0D=0A = </tr>=0D=0A </tbody>=0D=0A = </table></td>=0D=0A </tr>=0D=0A = </tbody>=0D=0A </table></td>=0D=0A </tr>=0D=0A = </tbody>=0D=0A </table>=0D=0A <!--PRIMARY CONTENT-->=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: 100%;" bgcolor=3D"#f= fffff">=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: 90%; border-collapse= : collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adj= ust: 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"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-siz= e: 24px; line-height: 32px; color: #0E680E; font-weight: 500; mso-line-heig= ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100= %; padding: 15px 0px 0px;" align=3D"left">How much could you save=3F</td>= =0D=0A </tr>=0D=0A <tr>=0D=0A = <td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, seri= f; font-size: 16px; line-height: 24px; color: #424242; mso-line-height-rule= : exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padd= ing: 15px 0px 20px;" align=3D"left">Did you know that only paying the minim= um payment on your credit card each month can draw out your repayment for o= ver a decade=3F With a <a alias=3D"get started" href=3D"https://link.upgrad= e.com/f/a/_Yx0a_Pymdmth2YXPHPDTw~~/AAQRxRA~/rU8C0vquuX1G34DLfPnKa_lzOL4AuI9= ed8phYxg6p5gskA_7qI3kfyIch2ytGO5oncqxXTiEJu3vkwMaiA3dJC9AZYyfkXowWU_DEyfs98= IqGu_yYcrjevxfHoubLY6fsanuKp8L1dMv_ioAmfxlen2norz5FJ98X2irLuKuH1qMfenctn10M= uDwHf5biF1RJ5jk6FYod5wlRBsMQaVjTABdG1KZ4-90pn8mbqOB8aCquHGDeQb3XXmfj7nyNXVT= " style=3D"color: #1F63D2; display: inline-block; text-decoration: underlin= e; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-= size-adjust: 100%;">personal loan</a> through Upgrade you can wipe out your= credit card debt in as few as 36 months.</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" a= lign=3D"center" width=3D"515" style=3D"font-family: Graphik, Helvetica, Ari= al, serif; font-size: 16px; line-height: 24px; color: #ffffff !important; m= so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size= -adjust: 100%; padding: 0px;">=0A<!--/BUTTON STARTS HERE-->=0D=0A <tab= le align=3D"center" class=3D"cta_table" border=3D"0" cellpadding=3D"0" cell= spacing=3D"0" style=3D"width: 275px; border-collapse: separate; -webkit-bor= der-radius: 8px; -moz-border-radius: 8px; border-radius: 8px; mso-table-lsp= ace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-s= ize-adjust: 100%; border: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A = <tr>=0D=0A <td height=3D"45" style=3D"height: 40px; col= or: #ffffff; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we= bkit-text-size-adjust: 100%;" valign=3D"middle" align=3D"center"><a alias= =3D"Check Your Rate" href=3D"https://link.upgrade.com/f/a/s894qkwHSOyHvT596= pP1hQ~~/AAQRxRA~/mnby8QPo5BiwfAGxCMNBFqNG_RIwLd-hl7TaGtxgctbCKlkq0i2LaJt7N7= n6jw4t-C6Typ0xqStGVwbPCA-Jbpxur6_4_sx2k5i3ebmvMTMp_2wtjm5hR_VHh9m4PDQ_SbjOE= SgZtM5l_qhCFg5PIS9L029pSO82XSrey-XbM-HXUiKQH4lPr5Rzo3XOmzicd7Ty_3r5bBaeEiAA= rNTC_VKofXZp8pF7qySKt3UPTzOHhPeEj_W7S93Ojq4vADy5" 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-decor= ation: none !important; letter-spacing: 0.5px; mso-line-height-rule: exactl= y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10p= x;"><!--[if mso]>   <![endif]-->Check Your Rate<!--[if mso]>=    <![endif]--></a></td>=0D=0A </tr>=0D=0A </t= able>=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: Graph= ik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #42= 4242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te= xt-size-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">It=E2=80=99s e= asy to check your rate =E2=80=94 <a alias=3D"get started" href=3D"https://l= ink.upgrade.com/f/a/_Yx0a_Pymdmth2YXPHPDTw~~/AAQRxRA~/rU8C0vquuX1G34DLfPnKa= _lzOL4AuI9ed8phYxg6p5gskA_7qI3kfyIch2ytGO5oncqxXTiEJu3vkwMaiA3dJC9AZYyfkXow= WU_DEyfs98IqGu_yYcrjevxfHoubLY6fsanuKp8L1dMv_ioAmfxlen2norz5FJ98X2irLuKuH1q= Mfenctn10MuDwHf5biF1RJ5jk6FYod5wlRBsMQaVjTABdG1KZ4-90pn8mbqOB8aCquHGDeQb3XX= mfj7nyNXVT" style=3D"color: #1F63D2; display: inline-block; text-decoration= : underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we= bkit-text-size-adjust: 100%;">click here</a> to see how much you could save= . When you check your rate, there is no obligation and no impact to your c= redit score.</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-lin= e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus= t: 100%; padding: 20px 0px 0px;" align=3D"left">Thank you,<br>=0D=0A = The Upgrade Team </td>=0D=0A </tr>=0D=0A = </tbody>=0D=0A </table></td>=0D=0A </tr>=0D=0A = </tbody>=0D=0A </table>=0D=0A <!--CONTACT US OR DOWNLOAD -->=0D= =0A <table border=3D"0" 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%;">=0D= =0A <tbody>=0D=0A <tr>=0D=0A <td align=3D"center= " style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk= it-text-size-adjust: 100%; padding: 0px;"><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 class=3D"body1" style=3D"font-fa= mily: 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: 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: #cccccc; border= -bottom-style: solid; max-width: 600px; border-collapse: collapse; mso-tabl= e-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-t= ext-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A <tr>=0D=0A <td class= =3D"mbl_text_cs" style=3D"padding-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 have questions, we're here to help.=0D=0A </td= >=0D=0A </tr>=0D=0A <tr>=0D=0A <td class=3D"mbl_text_cs" style=3D"font= -family: Helvetica, Arial, serif; font-size: 16px; line-height: 20px; color= : #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk= it-text-size-adjust: 100%; padding: 3px 3px 25px;" align=3D"center">=0D=0A = <a href=3D"mailto:support@upgrade.com" style=3D"font-family: Helvetica= , Arial, serif; color: #4899C4; text-decoration: underline; vertical-align:= middle; display: inline-block; mso-line-height-rule: exactly; -ms-text-siz= e-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%; border-collapse: = collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjus= t: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A = <tbody>=0D=0A <tr>=0D=0A <td align=3D"center" style=3D= "mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si= ze-adjust: 100%; padding: 20px 0px 5px;"><table border=3D"0" cellpadding=3D= "0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-t= able-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webki= t-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; col= or: #424242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -we= bkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">=0A<sup= style=3D"font-size: 8px; line-height: 1;">1</sup> Personal loans made thro= ugh Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All per= sonal loans have a 1.85% to 9.99% origination fee, which is deducted from t= he loan proceeds. Lowest rates require Autopay and paying off a portion of = existing debt directly. Loans feature repayment terms of 24 to 84 months. F= or 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 origin= ation fee), you would receive $9,500 in your account and would have a requi= red monthly payment of $341.48. Over the life of the loan, your payments wo= uld total $12,293.46. The APR on your loan may be higher or lower and your = loan offers may not have multiple term lengths available. Actual rate depen= ds on credit score, credit usage history, loan term, and other factors. Lat= e payments or subsequent charges and fees may increase the cost of your fix= ed 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; 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">Accept your loan offer and your fu= nds will be sent to your bank or designated account within one (1) business= day of clearing necessary verifications. Availability of the funds is depe= ndent on how quickly your bank processes the transaction. From the time of = approval, funds sent directly to you should be available within one (1) bus= iness day. Funds sent directly to pay off your creditors may take up to 2 w= eeks 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, Helvetica, Arial, s= erif; font-size: 12px; line-height: 16px; color: #424242; mso-line-height-r= ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p= adding: 10px 0px 0px;" align=3D"left">All loans, Personal Credit Lines, and= checking and savings accounts are provided by Upgrade's <a href=3D"https:/= /link.upgrade.com/f/a/VZ9GFh52aTjVTqGUnUzfWw~~/AAQRxRA~/WNyULni_byG1kadAk9D= uCYuQUzZhYAhllz4TutKyMHgpEslPICKgbW6C_tOXFyoEoIvGSyrVQ1n_U6_w5c1r9VT7LAkKUV= BYEbj0u7suK4oKWIA9XNxc_Ztf3Qr6M72v" target=3D"_blank" style=3D"vertical-ali= gn: top; color: #4899C4; text-decoration: underline; mso-line-height-rule: = exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank = partners</a>. Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1; ve= rtical-align: top;">=C2=AE</sup> Cards and Upgrade Visa<sup style=3D"font-s= ize: 12px; line-height: 1; vertical-align: top;">=C2=AE</sup> Debit Cards a= re issued by Upgrade's <a href=3D"https://link.upgrade.com/f/a/VZ9GFh52aTjV= TqGUnUzfWw~~/AAQRxRA~/WNyULni_byG1kadAk9DuCYuQUzZhYAhllz4TutKyMHgpEslPICKgb= W6C_tOXFyoEoIvGSyrVQ1n_U6_w5c1r9VT7LAkKUVBYEbj0u7suK4oKWIA9XNxc_Ztf3Qr6M72v= " target=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-deco= ration: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100= %; -webkit-text-size-adjust: 100%;">bank partners</a>, pursuant to a licens= e from Visa USA Inc. <br>=0A<br>=0AUpgrade, Inc. (NMLS #1548935) holds the = following <a href=3D"https://link.upgrade.com/f/a/4A0hptlogRpach17PLlRmg~~/= AAQRxRA~/MJakMGGImn66ILgFOP1ZQr33rMUUxQBsHA2kxNbAC-A-e1ezTyr6A7DlYQH8BRjYje= e5CLHVkU_3Pt8YHYz0uyPrrpTU0l_BYCwFAafuU34v1y_E6hgdDJSPfEBIekQ2pwgcYVDlGykqC= ybX6mlbuGqlE22M6KBlw95J2RHbt_ZP3g-h6-g9ZX6sDKa_zv8b0125rsSBOpxStK9T6cMH0xc-= yrmZaaxqnV8ifby03Zo~" target=3D"_blank" style=3D"vertical-align: top; color= : #4899C4; text-decoration: underline; mso-line-height-rule: exactly; -ms-t= ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;">state licenses</a> = and does business under the following <a href=3D"https://link.upgrade.com/f= /a/c-9L13Vfiq699J5SjUWN-A~~/AAQRxRA~/oR20Nq0NVTDuZ97HP9tlHIiSEy5Frv41SX8Hr6= INN7Bnn2s-IpKGdt5cYHb8xR1YApQvZIZbtI4qFwV1EU0hDV2VpPhkKK2NUrf5aZ2_sp5GYTPCm= ySIyQ2_4tFU5bdy" target=3D"_blank" style=3D"vertical-align: top; color: #48= 99C4; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-s= ize-adjust: 100%; -webkit-text-size-adjust: 100%;">DBAs</a>. <br>=0A<br>=0A= Upgrade is a <a href=3D"https://link.upgrade.com/f/a/127XXsPK-g9pbcpbJGaeog= ~~/AAQRxRA~/4pX39UEgLkb8lnrPc-7P6UX99rW76LNyvbY5y30ne_bEmEQWm_2rknRyW-yNM_g= _h21AIxfW7WNm4rMmA-opUr_L2FORZMxPG1x-PHEQ7BrpNMtUVVNSc7A4e219fhFGA2vdcwbj8K= XgZRTYA_fblExr8TRvChbnFXmpq2N6c1eBHK_GQ_-EMIOFEq7SbHVh" target=3D"_blank" s= tyle=3D"vertical-align: top; color: #4899C4; text-decoration: underline; ms= o-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: 16px; color: #4242= 42; 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-table-lspace: 0pt;= mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjus= t: 100%;">=0D=0A <tr>=0D=0A <td align=3D"center" style=3D"mso-line-heig= ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100= %; padding: 10px 0px 0px;"><table border=3D"0" cellpadding=3D"0" cellspacin= g=3D"0" style=3D"width: 100%; border-top-width: 1px; border-top-color: #cec= ece; border-top-style: solid; 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 align=3D"center" style= =3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text= -size-adjust: 100%; padding: 20px 0px 0px;"><table class=3D"center" align= =3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"60%" = style=3D"text-align: center; border-collapse: collapse; mso-table-lspace: 0= pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad= just: 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 href=3D"https://link= .upgrade.com/f/a/9qLwnQ5R2TGF-shWMbY2fw~~/AAQRxRA~/fuI9qiIcovrCkGPxwt750zC= 7isd8AdQp4r0R5AgdlP64FOMKbLU9SCLm2I_1bYLPpC9OUV88T5tXKEQH9zRKNNQxq6j9M4ub1n= FsKOP5kdNuTH1IaWbesv80DrNiS95HtFqAHkw66JLLqDL8SCZaHYjkTiWKQ4s1T8HHf4bZQjJs5= ombf7cf4hyHbo-MunarmF6ccUiWs9vYTpGQT0AblMtjTsG2b72K4L6gRnFLSimCssRZj1BRxznq= frwa9kd4" target=3D"_blank" alias=3D"facebook" style=3D"color: #4899C4; tex= t-decoration: underline; mso-line-height-rule: exactly; -ms-text-size-adjus= t: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze-images.= com/appboy/communication/assets/image_assets/images/65fb645920ede0004c647b1= 5/original.png=3F1710974041" border=3D"0" alt=3D"facebook" title=3D"faceboo= k" width=3D"24" height=3D"auto" style=3D"text-align: center; width: 24px; h= eight: 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 hre= f=3D"https://link.upgrade.com/f/a/EPXDypEZJ0Un3k-8wSbelw~~/AAQRxRA~/fuI9qiI= covrCkGPxwt750-mhTKMfjXplgDiqlAtuTAWCRqwHnMoLEGyN9cCoZ5ijkK1jMxcj_FB9rzWAOb= bblojzfS-ZPLTy7hmAYRc7txvTv9rlyf08BwuPyC6ztNCpZEqwk28145FVaeidy0QqcoyfbkC7c= 5w0zuL2w-jZJexZiOtSZlfZ0f5Gs9nrrZClaf1lAkIM4jNajjmBVKndAXtdxFtcnCCVuSueESQ8= WtUnXNb95NrWlLQ2vN-CA2Tr" target=3D"_blank" alias=3D"instagram" style=3D"co= lor: #4899C4; 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height: auto; image= -rendering: auto; outline: none; text-decoration: none; -ms-interpolation-m= ode: 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, sa= ns-serif; font-size: 12px; line-height: 16px; color: #37383A; mso-line-heig= ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100= %; padding: 10px 0px 0px;" align=3D"center">Upgrade is located at 275 Batte= ry Street, 23rd Floor, San Francisco, 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-ru= le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa= dding: 10px 0px 0px;" align=3D"center">=0A<span class=3D"goomoji">=C2=A9</s= pan> 2025 Upgrade, Inc. 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