Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id ODMQOTjYHGjLlggAchKAPA (envelope-from ) for ; Thu, 08 May 2025 11:13:44 -0500 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Thu, 08 May 2025 11:13:44 -0500 Received: from bz1170.e.upgrade.com ([223.165.123.182]:15043) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1uD3sW-00000002Quo-1PJD for info@sterlingcal.com; Thu, 08 May 2025 11:13:44 -0500 X-MSFBL: vmh9ep015XruvRoUuetru/2pRvT++BzrepoygAuSbkE=|eyJzdWJhY2NvdW50X2l kIjoiNTMzIiwiciI6ImluZm9Ac3RlcmxpbmdjYWwuY29tIiwiY3VzdG9tZXJfaWQ iOiIyNjY2OTMiLCJ0ZW5hbnRfaWQiOiJzcGMiLCJtZXNzYWdlX2lkIjoiNjgwYjJ kZDgxYzY4Zjc3MjRhYWEifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com; s=scph0422; t=1746720813; i=@e.upgrade.com; bh=eCK7fU1OGBatzMoTlrZyX6rWDIkr839i90rZIuDBNlk=; h=From:Message-ID:List-Unsubscribe:Subject:List-Unsubscribe-Post:To: Date:Content-Type:From:To:Cc:Subject; b=KNDt206FcpC//+vdsM/10Esrlt3rleSz6LRSCD5OMMqYRpRl8Bdt+uqBCPZ1FFbaJ UA9ofroKAuoiDlCucoN5UvTkX+FPEm9aaP5/x8XXtK3Woy1X1yrQaxpMESVWVWMBN6 cDxZhJIENBr+Yv9XOV+E1GmgdmHktcC/RGtgd1D0= Received: from [10.90.32.185] ([10.90.32.185]) by i-04c9f90d4495e38a4.mta1vrest.sd.prd.sparkpost (ecelerity 4.8.0.74368 r(msys-ecelerity:tags/4.8.0.17)) with REST id AA/AC-12616-D28DC186; Thu, 08 May 2025 16:13:33 +0000 From: "Upgrade" Message-ID: List-Unsubscribe: , Subject: What are you waiting for? Check your rate today List-Unsubscribe-Post: List-Unsubscribe=One-Click To: info@sterlingcal.com Date: Thu, 08 May 2025 16:13:33 +0000 Content-Type: multipart/alternative; boundary="_----ApbIK6h2lIHNbh5rN6sB7Q===_D1/AC-12616-D28DC186" 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 --_----ApbIK6h2lIHNbh5rN6sB7Q===_D1/AC-12616-D28DC186 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/9hvEyj3Iw_Bl2gOeIWdzNw~~/AAQRxRA~/BpfNhaR7KBF= NVr-gllFoA6C37l46ru4hBlIcBA2hAKqTWISeC1_sRvOppQfWoggdySbmWbwe4NteWD6gVjoJgA= Q2hV0B1OV1w0SzGEEJzWM~ )=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/jqCLq-CoGNiwiP= 3dEo4pvQ~~/AAQRxRA~/HSEVX7vkOAVYxmj7oBaGEZPqODJ0CtgGPvBuFjhmRK7ExPb4CrbYF7L= 4UkR-GoSeR9Aa0B-OR0cJXaXzHEaOncV-uIlzCTf_uQG9ACaz0TycXaaI3XdvXHtoBxAthF3b0K= dujx__tlF9JFBYaE1ZZg~~=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/4huHnxhxV0c_lHa70XM9UQ~~/AAQRxRA~/6tq-= 5hTi4qW5CxzwxudZKYM4LtQPaiZBBakJoaAnGeCsUGM_SYqczSMEAzz8z_bw29t8lRs1_usFKzR= 5THOp4ZeRaVhZi1WguTFU2zh3Vuif1Y3GGconDm8xVzZKDG5KCeFAALxKh1FNQ9ZZJFWO7CSxlO= whg658YHZmlWLHJIiqyR1Ltzxrd_VtpQf2xa0rhB0aDX8ZeemY15xzP_dtWcOQ5nHrbDgo2o6Xa= 75VhNuPoGxFlhi6sj5rmo0B18Pt=0A) =0A It=E2=80=99s easy to check your ra= te=0A=E2=80=94 click here (=0Ahttps://link.upgrade.com/f/a/jqCLq-CoGNiwiP3d= Eo4pvQ~~/AAQRxRA~/HSEVX7vkOAVYxmj7oBaGEZPqODJ0CtgGPvBuFjhmRK7ExPb4CrbYF7L4U= kR-GoSeR9Aa0B-OR0cJXaXzHEaOncV-uIlzCTf_uQG9ACaz0TycXaaI3XdvXHtoBxAthF3b0Kdu= jx__tlF9JFBYaE1ZZg~~=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/CMfHlEM4= HM3LajnopMiC7w~~/AAQRxRA~/VunjVZ8XtDAdIwp1_aD6APCNjRFU2x4P7hMJxHgbJn_96NI2y= 76lkuRFhOhiBB9rKzgW_xitZP6vtnJpL-ohuAEaILodLIyC2IJEbOg6KVxN6ozX3-E6xB58FfPi= iHya ) . 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/CMfHlEM= 4HM3LajnopMiC7w~~/AAQRxRA~/VunjVZ8XtDAdIwp1_aD6APCNjRFU2x4P7hMJxHgbJn_96NI2= y76lkuRFhOhiBB9rKzgW_xitZP6vtnJpL-ohuAEaILodLIyC2IJEbOg6KVxN6ozX3-E6xB58FfP= iiHya ), 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/87El4ykzJZYXcvYUNRmCLA~~/AAQRxRA~/Plk4UZdf2lXnyNfMAsw9bcFhpov9T7Lif= sIv6qbvet97_VNHQecrlFDbv0pb3VSOwkROPlfU9RuIWtF9o4pLv7UXyJWTzNaq7rq9lQ4F3tlM= mJP_NGV9fHsVGVTWvXJ2YCHtEItHHEDiFxU7NvyXHj2WpYqMjPJ2xU1Ogy0O9lRF5-29Y7HVILl= wWlP61MfpFcdMRUglUuzG1T-efhtERec_fYIuoOq-zQoX1UmWjz4~ )=0A and does busines= s under the following DBAs =0A( https://link.upgrade.com/f/a/HdcTa8deKgPsC8= RjyOWc9g~~/AAQRxRA~/8u_UjhezZ6ONXO8M8Qq2vdpqTA0GnJt_nfHY_g_h-F1ApeAYK0DyaEs= -aHF40w40nJ0dusomcNWnHS0CXFc0yZB3hN20fST1grXyMgvsVA8f6yezTWYph2iXpAKD-qKA )= .=0A=0AUpgrade is a financial technology company, not a bank =0A( https://= link.upgrade.com/f/a/zxOX7rRZzY2bGWnocQmxnQ~~/AAQRxRA~/7DvvMJJFYPgBgI-4PnBZ= AnKMkWc9urNfHTz9J8mlyyHNCQXVSlLaTaKXkPkFGkoKT8zDT6K--GM3dTymjDF-QS03v_B_7RP= bdhEeqFo_BVyoojDoSyxBXVfXnNfyFIF9x2KU0Afh9KFMfxpF1F_-CCVl69Y1fdtzn8egZSg8NU= WkOfWSO2R8A6e-zV71EfkQ )=0A. facebook =0A( https://link.upgrade= .com/f/a/_TkNB2dNBZqlwSCQn6QBbg~~/AAQRxRA~/Un7hVvLptBGqYbmTXT9e0Q0YN9hMzks= zWtiFooCSxY8WiR3BmcgXDFFwlaMqTK4KiDBtXYV9C-LDHJormF2F21Zq-DfD-kc6I1j7LF9ceN= hvRETs8ilYKnpHETStGQxddjzsMGhi4BxDnqb3Z-dhAz9Ts_bRGnVS79qwDUp_hdMWm0JkMwoGo= cMcf5GpAcbTaaKO92enhDLqn1P1wGuR75mgm7_BdpqcosFrb7Znzgwtgn92mPPKjyiZxy4A1qho= )=0A instagram =0A( https://link.upgrade.com/f/a/C2WK_RbFIAGb7KzFi21Ahg~= ~/AAQRxRA~/Un7hVvLptBGqYbmTXT9e0RUV53scycM8prE4hJlIK8Nj0n1XX3BcPBOScs-Vc3e8= vPeHIKxbAxlUYK5S5TnYXPZB7hj66gXAawwRL7ONQDIUhk1yMRmfU7_mEopNuKs25hfB15ATwhJ= 5WRIz8lOozngKhiiwn5tywvTAsRderO6ef-Z-Pg-ntXYWh6mOyWhqv1G_72NKhFotv6iMdS8S9h= QiGDJ2RGB3eF03PG4vEO-8sRuXwuIpbQdfCNAGKY2N )=0A blog =0A( https://link.up= grade.com/f/a/puVGSPCPxG1A37Xf-UI6CA~~/AAQRxRA~/i0NSvDM71oV5_EQBzNyrGup77il= X7b7A--tJf3qLqsWUHw6U8g7Ct0QEezDzVPL_rCkwgtveAxNfNJk4_19fNTgzfP7XkUZY0aLh-o= _QUtv6jcsQ5IU2an5EUfQ4EH3X0e-rxd_PeCyB_FHqrdfht61Fs2cTM6YxjqGuNrpjSUYFc1-o7= KJgyCIM5raLcfQRLgL2qffaI4sMtQP13DVuUaCZyX7jnXo3zZN9HZdSjdSRddJMlPiGkiRnSnNZ= huUG )=0A Please do not reply directly to this message as it was=0Ase= nt from an unattended mailbox. 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A= ll rights=0Areserved. Privacy Policy ( https://link.upgrade.com/f/a/uTQ= 0EqNQXv_chQolpw0qXg~~/AAQRxRA~/8QqQAf7DVFhnPQMaB4nWEl1uKzuoyirLEgRMhqrQDjZc= sRSEd1jWAUzKmUKRfGu3wNKfEVdMTR6ritNduKMdh2GDWaxMeTHeT1JgOeuycOct8hlcj1PW-Uw= Yihx16tRm )=0A=0A Equal Housing Lender=0A=0APL_ITA_DECL_OLD_S4 --_----ApbIK6h2lIHNbh5rN6sB7Q===_D1/AC-12616-D28DC186 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/9hvEyj3Iw_Bl2gO= eIWdzNw~~/AAQRxRA~/BpfNhaR7KBFNVr-gllFoA6C37l46ru4hBlIcBA2hAKqTWISeC1_sRvOp= pQfWoggdySbmWbwe4NteWD6gVjoJgAQ2hV0B1OV1w0SzGEEJzWM~" 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/nuFCu3jB-vMLoidM_B9YZg~~/AAQRxRA~/OGDuPx8z127eRqzZcInySD0dPWDJUtg= hBJx2lcfiK2LC3kRIsrTMnZCgq0Ghh7rmIpCU4e04-LB0nJKWvQtu63FJSj6oiXQ2RtZ-rWncIt= 3uDXFKQ7Ty2Yw_B6dwlNOtsaw3HN5jOx8EEjcRlgQWt6TXcp7CCXhY_ZZM6SCYjVueSdYCtkB-R= 0Pgy4gTXpiNmdT1KvKl5ZCh7E7uva7hmjQ5_WppCZoXUnP2QqdpghkKECY5pw76RlxPDXvHH7NB= " 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/4huHnxhxV0c_lHa70= XM9UQ~~/AAQRxRA~/6tq-5hTi4qW5CxzwxudZKYM4LtQPaiZBBakJoaAnGeCsUGM_SYqczSMEAz= z8z_bw29t8lRs1_usFKzR5THOp4ZeRaVhZi1WguTFU2zh3Vuif1Y3GGconDm8xVzZKDG5KCeFAA= LxKh1FNQ9ZZJFWO7CSxlOwhg658YHZmlWLHJIiqyR1Ltzxrd_VtpQf2xa0rhB0aDX8ZeemY15xz= P_dtWcOQ5nHrbDgo2o6Xa75VhNuPoGxFlhi6sj5rmo0B18Pt" 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/nuFCu3jB-vMLoidM_B9YZg~~/AAQRxRA~/OGDuPx8z127eRqzZcInyS= D0dPWDJUtghBJx2lcfiK2LC3kRIsrTMnZCgq0Ghh7rmIpCU4e04-LB0nJKWvQtu63FJSj6oiXQ2= RtZ-rWncIt3uDXFKQ7Ty2Yw_B6dwlNOtsaw3HN5jOx8EEjcRlgQWt6TXcp7CCXhY_ZZM6SCYjVu= eSdYCtkB-R0Pgy4gTXpiNmdT1KvKl5ZCh7E7uva7hmjQ5_WppCZoXUnP2QqdpghkKECY5pw76Rl= xPDXvHH7NB" 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/CMfHlEM4HM3LajnopMiC7w~~/AAQRxRA~/VunjVZ8XtDAdIwp1_aD= 6APCNjRFU2x4P7hMJxHgbJn_96NI2y76lkuRFhOhiBB9rKzgW_xitZP6vtnJpL-ohuAEaILodLI= yC2IJEbOg6KVxN6ozX3-E6xB58FfPiiHya" 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/CMfHlEM4HM3L= ajnopMiC7w~~/AAQRxRA~/VunjVZ8XtDAdIwp1_aD6APCNjRFU2x4P7hMJxHgbJn_96NI2y76lk= uRFhOhiBB9rKzgW_xitZP6vtnJpL-ohuAEaILodLIyC2IJEbOg6KVxN6ozX3-E6xB58FfPiiHya= " 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/87El4ykzJZYXcvYUNRmCLA~~/= AAQRxRA~/Plk4UZdf2lXnyNfMAsw9bcFhpov9T7LifsIv6qbvet97_VNHQecrlFDbv0pb3VSOwk= ROPlfU9RuIWtF9o4pLv7UXyJWTzNaq7rq9lQ4F3tlMmJP_NGV9fHsVGVTWvXJ2YCHtEItHHEDiF= xU7NvyXHj2WpYqMjPJ2xU1Ogy0O9lRF5-29Y7HVILlwWlP61MfpFcdMRUglUuzG1T-efhtERec_= fYIuoOq-zQoX1UmWjz4~" 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/HdcTa8deKgPsC8RjyOWc9g~~/AAQRxRA~/8u_UjhezZ6ONXO8M8Qq2vdpqTA0GnJt_nfHY_g= _h-F1ApeAYK0DyaEs-aHF40w40nJ0dusomcNWnHS0CXFc0yZB3hN20fST1grXyMgvsVA8f6yezT= WYph2iXpAKD-qKA" 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/zxOX7rRZzY2bGWnocQmxnQ= ~~/AAQRxRA~/7DvvMJJFYPgBgI-4PnBZAnKMkWc9urNfHTz9J8mlyyHNCQXVSlLaTaKXkPkFGko= KT8zDT6K--GM3dTymjDF-QS03v_B_7RPbdhEeqFo_BVyoojDoSyxBXVfXnNfyFIF9x2KU0Afh9K= FMfxpF1F_-CCVl69Y1fdtzn8egZSg8NUWkOfWSO2R8A6e-zV71EfkQ" 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; 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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/C2WK_RbFIAGb7KzFi21Ahg~~/AAQRxRA~/Un7hVvL= ptBGqYbmTXT9e0RUV53scycM8prE4hJlIK8Nj0n1XX3BcPBOScs-Vc3e8vPeHIKxbAxlUYK5S5T= nYXPZB7hj66gXAawwRL7ONQDIUhk1yMRmfU7_mEopNuKs25hfB15ATwhJ5WRIz8lOozngKhiiwn= 5tywvTAsRderO6ef-Z-Pg-ntXYWh6mOyWhqv1G_72NKhFotv6iMdS8S9hQiGDJ2RGB3eF03PG4v= EO-8sRuXwuIpbQdfCNAGKY2N" target=3D"_blank" alias=3D"instagram" style=3D"co= lor: #4899C4; text-decoration: underline; mso-line-height-rule: exactly; -m= s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"http= s://braze-images.com/appboy/communication/assets/image_assets/images/65fb64= 594f39dd004c62621d/original.png=3F1710974041" border=3D"0" alt=3D"instagram= " title=3D"instagram" width=3D"24" height=3D"auto" style=3D"text-align: cen= ter; width: 24px; height: auto; image-rendering: auto; outline: none; text-= decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; border-wid= th: 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%; paddin= g: 0px;">=0A<a href=3D"https://link.upgrade.com/f/a/puVGSPCPxG1A37Xf-UI6CA~= ~/AAQRxRA~/i0NSvDM71oV5_EQBzNyrGup77ilX7b7A--tJf3qLqsWUHw6U8g7Ct0QEezDzVPL_= rCkwgtveAxNfNJk4_19fNTgzfP7XkUZY0aLh-o_QUtv6jcsQ5IU2an5EUfQ4EH3X0e-rxd_PeCy= B_FHqrdfht61Fs2cTM6YxjqGuNrpjSUYFc1-o7KJgyCIM5raLcfQRLgL2qffaI4sMtQP13DVuUa= CZyX7jnXo3zZN9HZdSjdSRddJMlPiGkiRnSnNZhuUG" 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%;"><im= g src=3D"https://braze-images.com/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: auto; image-rendering: auto; outline: none; te= xt-decoration: none; -ms-interpolation-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, Helvet= ica, Arial, sans-serif; font-size: 12px; line-height: 16px; font-weight: 50= 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-= size-adjust: 100%; padding: 15px 0px 0px;" align=3D"center">Please do not r= eply directly to this message as it was sent from an unattended mailbox. </= td>=0D=0A </tr>=0D=0A <tr>=0D=0A <td style=3D"font-f= amily: Graphik, Helvetica, Arial, sans-serif; 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height: auto; image-renderi= ng: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bic= ubic; border-width: 0;"></td>=0D=0A </tr>=0D=0A </t= body>=0D=0A </table></td>=0D=0A </tr>=0D=0A <tr>=0D= =0A <td style=3D"font-family: Graphik, Helvetica, Arial, sans-seri= f; font-size: 12px; line-height: 16px; color: #37383A; mso-line-height-rule= : exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padd= ing: 10px 0px 0px;" align=3D"center">Upgrade is located at 275 Battery Stre= et, 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-rule: exac= tly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 1= 0px 0px 0px;" align=3D"center">=0A<span class=3D"goomoji">=C2=A9</span> 202= 5 Upgrade, Inc. 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