Envelope-to: info@sterlingcal.com
Delivery-date: Thu, 15 May 2025 09:34:44 -0500
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <FB.E6.58755.97BF5286@i-0c4cdfeddc1cea400.mta1vrest.sd.prd.sparkpost>
To: info@sterlingcal.com
Date: Thu, 15 May 2025 14:34:33 +0000
Content-Type: multipart/alternative; boundary="_----bqcXQgill77Om4dVwduokg===_44/E6-58755-97BF5286"
MIME-Version: 1.0
Subject: Reset your finances
Reply-To: noreply.email@upgrade.com

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Check your rate and get started on your goals today=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A      Upgrade     96=0A( https://link.upgrade.com/f/a/ENxnlQ8M1d9-=
xg0t_aL1RA~~/AAQRxRA~/-hG6X70jNuJ4Ph8jrkHmq-1rvUaEO_VRnKqQib1iUEK2Dh-ZqG3Fg=
RHoGCF4hk5_O4_fa7olbIcUsIHv6HBIG57a_ny8R-qSR6OAljrAwNY~ )=0A=0A=0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0A=0AHi,=0AStart taking control of your debt   If you=E2=80=
=99re looking to simplify=0Aand take control of your debt, checking your ra=
te (=0Ahttps://link.upgrade.com/f/a/py68ZnEl5hWu7XhYK039rQ~~/AAQRxRA~/zIHfV=
eGLpMTtafIb9QD6LksybPpEhhGUMhfFkvsdIIiRo-kkoGnEph6r9lS55XoWs9DDWKAR1yG42opL=
L7Uxoa1NY83FhwyevrMhQ4cdRsL3pgvNyGa-JzixynbYSJurp2EefDPlR3C9tmjl50pe9g~~=3F=
utm_source=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dsend05_a&utm_conten=
t=3Demail_link=0A) with Upgrade is a 1-minute investment that could fast-tr=
ack you=0Atowards paying off your debt.  =0A=0A=0A=0ACheck Your Rate (=0Aht=
tps://link.upgrade.com/f/a/wOWCuBpI-g3bcMHMs9jqAg~~/AAQRxRA~/jlM6tb3zOiFP7f=
zMlsGmiLlEUxNHZmZ4oTy4RtL98FVtn7G_HDiSMOs3UqZQ_EM-ef55NFv3UqITbPfbaLZ3G0cfi=
5mnCUtZr-TjJiOnwmcGtXZ8UJRSBMLa4UqGtkQ6pdYbAbmE58M_Z3l9naGdiIl1lG2V81BlqcWq=
iRtFa4yXpMZTigN5FVT5_06ErsBKKc_unpQtZxduPAzH83tqN2JU3QOjBMs8m0h4UKnciA8OjN-=
vXP_zc_0yEQ0Pil0o=0A)     =0A  We look forward to helping=0Ayou circle the =
date on your calendar that you=E2=80=99ll be debt free.=0AThank you,=0AThe =
Upgrade Team                  If you have questions, we're=0Ahere to help. =
    support@upgrade.com                   1=0APersonal loans made through U=
pgrade feature Annual Percentage=0ARates (APRs) of 7.99%-35.99%. All person=
al loans have a 1.85% to=0A9.99% origination fee, which is deducted from th=
e loan proceeds.=0ALowest rates require Autopay and paying off a portion of=
 existing=0Adebt directly. Loans feature repayment terms of 24 to 84 months=
.=0AFor example, if you receive a $10,000 loan with a 36-month term=0Aand =
a 17.59% APR (which includes a 13.94% yearly interest rate=0Aand a 5% one-t=
ime origination fee), you would receive $9,500 in=0Ayour account and would =
have a required monthly payment of=0A$341.48. Over the life of the loan, yo=
ur payments would total=0A$12,293.46. The APR on your loan may be higher or=
 lower and your=0Aloan offers may not have multiple term lengths available.=
 Actual=0Arate depends on credit score, credit usage history, loan term,=0A=
and other factors. Late payments or subsequent charges and fees=0Amay incre=
ase the cost of your fixed rate loan. There is no fee or=0Apenalty for repa=
ying a loan early.    Accept your loan offer and=0Ayour funds will be sent =
to your bank or designated account within=0Aone (1) business day of clearin=
g necessary verifications.=0AAvailability of the funds is dependent on how =
quickly your bank=0Aprocesses the transaction. From the time of approval, f=
unds sent=0Adirectly to you should be available within one (1) business day=
.=0AFunds sent directly to pay off your creditors may take up to 2=0Aweeks=
 to clear, depending on the creditor.    All loans, Personal=0ACredit Lines=
, and checking and savings accounts are provided by=0AUpgrade's bank partne=
rs ( https://link.upgrade.com/f/a/npDRxK4Sl13_rSHzq_NcJQ~~/AAQRxRA~/iZJTLm2=
SRlua1Su66xu-yKVBQywU0Mb2Wp58YeVz6UDey3x6hMF3nHnzxJAPO-mvgt8W3CAr2lV9besTVJ=
CesilxGcngvivSv40DvHwKk5lnn3BgsCUcfi5sDVDaPqUA ) . Upgrade Visa=C2=AE Cards=
 and Upgrade Visa=C2=AE Debit Cards are issued=0Aby Upgrade's bank partners=
 =0A( https://link.upgrade.com/f/a/npDRxK4Sl13_rSHzq_NcJQ~~/AAQRxRA~/iZJTLm=
2SRlua1Su66xu-yKVBQywU0Mb2Wp58YeVz6UDey3x6hMF3nHnzxJAPO-mvgt8W3CAr2lV9besTV=
JCesilxGcngvivSv40DvHwKk5lnn3BgsCUcfi5sDVDaPqUA ), pursuant to a license=0A=
from Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) holds the following s=
tate licenses=0A=0A( https://link.upgrade.com/f/a/lc4q56MBLiTP7WWftZYMXQ~~/=
AAQRxRA~/U679C6MdG1Mtun-5c8-Ct-b9xgE7y8sfqrftVKBTvz9HCoQ0fdWgjum_csX92J30Y3=
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5NUmzz-nzVOjL1Qz4Z0~ )=0A and does business under the following DBAs =0A( h=
ttps://link.upgrade.com/f/a/XnkD4P91Eiu6sv3yClJTyQ~~/AAQRxRA~/8t05LmjJS0DtF=
bL3yleTxJFHkcXZ_6PDknFo9F6yzIn8FtCIdXRBRmyOKTXHezrWcCwZzy0gKAqptXObN7BY3srl=
xaJ2V-UbA9SVEUBTS8Cgkb5WbGnHJH-Ij1iLO6sq ).=0A=0AUpgrade is a financial tec=
hnology company, not a bank =0A( https://link.upgrade.com/f/a/uN_y2cg8ahDPi=
LrMfDl71A~~/AAQRxRA~/MuR2X1_zU6qY1oBqbsCtFIleKOCXZnRuiqaEJKXsgkY29iEFpDTxtG=
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afHEJpdxMkgbUxiYsKCyCuP5oX9sV_ekt5avhKDXXwlXKAmHXlK2R7hLiEcTIO- )=0A.      =
       facebook =0A( https://link.upgrade.com/f/a/QkFNqhrlfwX7EP2Vlfr58g~~/=
AAQRxRA~/ovb_1ZDUMXjuBlJ5v4yUFQKc0cdkyNXpC9EtkADIlbllVnWCz-EjPFujBNOVhVO4Sa=
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ohL9PIVTh-sKZ5g-YhxKPk0SjvRM-fkHCLv5wsRG )=0A   instagram =0A( https://link=
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S6dvMc6o )=0A   blog =0A( https://link.upgrade.com/f/a/sv8rC3zJWZShL_wSGFCf=
eA~~/AAQRxRA~/slbcq84gvL17J-QxLGE0xAnDJtw1pcpPHufnLyVwPcJ_pqv107ycfngQOIWua=
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NNo4dsLjlkmU0t9inPrWSYdfa1Im_klDbr9q7fbXqphR5jdxTL )=0A=0A   Equal Housing =
Lender=0A=0APL_ITA_DECL_OLD_S5
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100%;">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td align=
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cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: =
collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                        <tb=
ody>=0D=0A                          <tr>=0D=0A                            <=
td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-a=
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rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mi=
n-width: 90% !important;">=0A    <tbody>=0A      <tr>=0A        <td align=
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llpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: co=
llapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust:=
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    <tr>=0A                <td style=3D"font-size: 0; mso-line-height-rule:=
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ng: 0px;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=
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pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;">=0A                    <tbody>=0A                      <tr>=0A=
                        <td align=3D"center" valign=3D"middle" style=3D"mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%;"><a alias=3D"upgrade_logo" href=3D"https://link.upgrade.com/f/=
a/ENxnlQ8M1d9-xg0t_aL1RA~~/AAQRxRA~/-hG6X70jNuJ4Ph8jrkHmq-1rvUaEO_VRnKqQib1=
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ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=
<img alt=3D"&nbsp;" border=3D"0" height=3D"33" src=3D"https://braze-images.=
com/appboy/communication/assets/image_assets/images/63348ce6db77c73d707010e=
4/original.png=3F1664388326" style=3D"outline: 0px; width: 144px; height: a=
uto; font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 24px; c=
olor: rgb(0, 175, 106); image-rendering: auto; text-decoration: none; -ms-i=
nterpolation-mode: bicubic; padding: 0px; border-width: 0px;" title=3D"logo=
" width=3D"144" class=3D"center"></a></td>=0A                      </tr>=0A=
                    </tbody>=0A                  </table></td>=0A          =
    </tr>=0A            </tbody>=0A          </table></td>=0A      </tr>=0A=
    </tbody>=0A  </table>=0A  <!-- X-250ok-CID: upgrade_pl_ita_declined_old=
_send05_a-->=0A  =0A  <span style=3D"font-size: 0px; line-height: 1;">=0A  =
=0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  <span=
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=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 CON=
TENT-->=0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso=
-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A        <tr>=0D=0A    =
      <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 40px 0px 30px;=
"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 9=
0%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A      =
        <tbody>=0D=0A                <tr>=0D=0A                  <td class=
=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-siz=
e: 16px; line-height: 24px; color: #424242; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" =
align=3D"left">=0A<span style=3D"font-size: 0px; line-height: 1;"></span>Hi=
,</td>=0D=0A                </tr>=0D=0A                <tr>=0D=0A          =
        <td class=3D"head3" style=3D"font-family: Graphik, Helvetica, Arial=
, serif; font-size: 24px; line-height: 32px; color: #0E680E; font-weight: 5=
00; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left">Start taking con=
trol of your debt</td>=0D=0A                </tr>=0D=0A                <tr>=
=0D=0A                  <td class=3D"body1" style=3D"font-family: Graphik, =
Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #424242=
; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%; padding: 15px 0px 20px;" align=3D"left">If you=E2=80=99re=
 looking to simplify and take control of your debt, <a alias=3D"checking yo=
ur rate" href=3D"https://link.upgrade.com/f/a/k-srKmo1CBS5SPOkzaQLGQ~~/AAQR=
xRA~/ZequuJ8hkagwMMMMY-ix3qxykPUyIy393iEWM_oiuzK75xRE3GN7U6yRpJIKM_0PZAw4G1=
3lOaMkNCeGRRd13nJzHoG0KNsevoU4sQMZ7sqD_xbNx0uc7jXSVxnCityujW-VPGVS-Y476S5R2=
ZTTLjTlyiERc24MNYmghl4SsbtfyEOtRSSiIYZjTrQq0YefcSt6cCTniIu3T0VZ8QKhiXahLseR=
hcL3mfCp-AKTQa5PC85lEhMVKRxE2XxxcO33" style=3D"color: #1F63D2; display: inl=
ine-block; text-decoration: underline; mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;">checking your rate<=
/a> with Upgrade is a 1-minute investment that could fast-track you towards=
 paying off your debt.</td>=0D=0A                </tr>=0D=0A              <=
span style=3D"font-size: 0px; line-height: 1;">=0D=0A=0D=0A=0D=0A</span>=0D=
=0A=0D=0A=0D=0A=0D=0A<tr>=0D=0A  <td valign=3D"top" align=3D"center" width=
=3D"515" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size:=
 16px; line-height: 24px; color: #ffffff !important; mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 0px;">=0A<!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"center" c=
lass=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 275px; border-collapse: separate; -webkit-border-radius: 8px; -m=
oz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table=
-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; b=
order: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A  =
            <td height=3D"45" style=3D"height: 40px; color: #ffffff; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" =
href=3D"https://link.upgrade.com/f/a/wOWCuBpI-g3bcMHMs9jqAg~~/AAQRxRA~/jlM6=
tb3zOiFP7fzMlsGmiLlEUxNHZmZ4oTy4RtL98FVtn7G_HDiSMOs3UqZQ_EM-ef55NFv3UqITbPf=
baLZ3G0cfi5mnCUtZr-TjJiOnwmcGtXZ8UJRSBMLa4UqGtkQ6pdYbAbmE58M_Z3l9naGdiIl1lG=
2V81BlqcWqiRtFa4yXpMZTigN5FVT5_06ErsBKKc_unpQtZxduPAzH83tqN2JU3QOjBMs8m0h4U=
KnciA8OjN-vXP_zc_0yEQ0Pil0o" style=3D"display: inline-block; font-size: 16p=
x; line-height: 24px; font-family: Graphik, Helvetica, Arial, sans-serif; f=
ont-weight: 500; color: #ffffff !important; text-decoration: none !importan=
t; letter-spacing: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbs=
p;&nbsp;&nbsp;<![endif]-->Check Your Rate<!--[if mso]>&nbsp;&nbsp;&nbsp;<![=
endif]--></a></td>=0D=0A          </tr>=0D=0A      </table>=0D=0A  </td>=0D=
=0A</tr>=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A                <tr>=0D=0A           =
       <td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial,=
 serif; font-size: 16px; line-height: 24px; color: #424242; mso-line-height=
-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
 padding: 20px 0px 0px;" align=3D"left">We look forward to helping you circ=
le the date on your calendar that you=E2=80=99ll be debt free.</td>=0D=0A  =
              </tr>=0D=0A              <tr>=0D=0A                <td class=
=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-siz=
e: 16px; line-height: 24px; color: #424242; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0=
px 0px;" align=3D"left">Thank you,<br>=0D=0A                  The Upgrade T=
eam </td>=0D=0A              </tr>=0D=0A              </tbody>=0D=0A       =
     </table></td>=0D=0A        </tr>=0D=0A        </tbody>=0D=0A      </ta=
ble>=0D=0A      <!--CONTACT US OR DOWNLOAD -->=0D=0A      <table border=3D"=
0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collaps=
e: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%;">=0D=0A        <tbody>=0D=0A   =
       <tr>=0D=0A            <td align=3D"center" style=3D"mso-line-height-=
rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; =
padding: 0px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" styl=
e=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tab=
le-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
">=0D=0A                <tbody>=0D=0A                  <tr>=0D=0A          =
          <td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Ari=
al, serif; font-size: 16px; line-height: 24px; color: #424242; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%; padding: 0px;" align=3D"center">=0A<table align=3D"center" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-bottom-wi=
dth: 1px; border-bottom-color: #cccccc; border-bottom-style: solid; max-wid=
th: 600px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspa=
ce: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcol=
or=3D"#EAECF0">=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_cs" style=3D"pad=
ding-top: 25px; font-family: Helvetica, Arial, serif; font-size: 16px; line=
-height: 20px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size=
-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"center">If you hav=
e questions, we're here to help.=0D=0A    </td>=0D=0A  </tr>=0D=0A  <tr>=0D=
=0A    <td class=3D"mbl_text_cs" style=3D"font-family: Helvetica, Arial, se=
rif; font-size: 16px; line-height: 20px; color: #37383A; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pa=
dding: 3px 3px 25px;" align=3D"center">=0D=0A      <a href=3D"mailto:suppor=
t@upgrade.com" style=3D"font-family: Helvetica, Arial, serif; color: #4899C=
4; text-decoration: underline; vertical-align: middle; display: inline-bloc=
k; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;">support@upgrade.com</a>=0D=0A    </td>=0D=0A  </tr>=0D=
=0A</table>=0D=0A=0D=0A                    </td>=0D=0A                  </t=
r>=0D=0A                </tbody>=0D=0A              </table></td>=0D=0A    =
      </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      <!--FOOTER=
 STARTS HERE-->=0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspace: =
0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A          <tr>=
=0D=0A            <td align=3D"center" style=3D"mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20=
px 0px 5px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table=
-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=
=0D=0A                <tbody>=0D=0A                  <tr>=0D=0A            =
        <td class=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial=
, serif; font-size: 12px; line-height: 16px; color: #424242; mso-line-heigh=
t-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
; padding: 10px 0px 0px;" align=3D"left">=0A<sup style=3D"font-size: 8px; l=
ine-height: 1;">1</sup> Personal loans made through Upgrade feature Annual =
Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to=
 9.99% origination fee, which is deducted from the loan proceeds. Lowest ra=
tes require Autopay and paying off a portion of existing debt directly. Loa=
ns feature repayment terms of 24 to 84 months. For example, if you receive =
a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.9=
4% yearly interest rate and a 5% one-time origination fee), you would recei=
ve $9,500 in your account and would have a required monthly payment of $341=
.48. Over the life of the loan, your payments would total $12,293.46. The =
APR on your loan may be higher or lower and your loan offers may not have m=
ultiple term lengths available. Actual rate depends on credit score, credit=
 usage history, loan term, and other factors. Late payments or subsequent c=
harges and fees may increase the cost of your fixed rate loan. There is no =
fee or penalty for repaying a loan early. </td>=0D=0A                  </tr=
>=0D=0A                  <tr>=0D=0A                    <td class=3D"body3" =
style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; li=
ne-height: 16px; color: #424242; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" al=
ign=3D"left">Accept your loan offer and your funds will be sent to your ban=
k or designated account within one (1) business day of clearing necessary v=
erifications. Availability of the funds is dependent on how quickly your ba=
nk processes the transaction. From the time of approval, funds sent directl=
y to you should be available within one (1) business day. Funds sent direct=
ly to pay off your creditors may take up to 2 weeks to clear, depending on =
the creditor.=0D=0A                    </td>=0D=0A                  </tr>=
=0D=0A                  <tr>=0D=0A                    <td class=3D"body3" s=
tyle=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; lin=
e-height: 16px; color: #424242; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" ali=
gn=3D"left">All loans, Personal Credit Lines, and checking and savings acco=
unts are provided by Upgrade's <a href=3D"https://link.upgrade.com/f/a/npDR=
xK4Sl13_rSHzq_NcJQ~~/AAQRxRA~/iZJTLm2SRlua1Su66xu-yKVBQywU0Mb2Wp58YeVz6UDey=
3x6hMF3nHnzxJAPO-mvgt8W3CAr2lV9besTVJCesilxGcngvivSv40DvHwKk5lnn3BgsCUcfi5s=
DVDaPqUA" target=3D"_blank" style=3D"vertical-align: top; color: #4899C4; t=
ext-decoration: underline; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%;">bank partners</a>. Upgrade Visa=
<sup style=3D"font-size: 12px; line-height: 1; vertical-align: top;">=C2=AE=
</sup> Cards and Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1;=
 vertical-align: top;">=C2=AE</sup> Debit Cards are issued by Upgrade's <a =
href=3D"https://link.upgrade.com/f/a/npDRxK4Sl13_rSHzq_NcJQ~~/AAQRxRA~/iZJT=
Lm2SRlua1Su66xu-yKVBQywU0Mb2Wp58YeVz6UDey3x6hMF3nHnzxJAPO-mvgt8W3CAr2lV9bes=
TVJCesilxGcngvivSv40DvHwKk5lnn3BgsCUcfi5sDVDaPqUA" target=3D"_blank" style=
=3D"vertical-align: top; color: #4899C4; text-decoration: underline; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">bank partners</a>, pursuant to a license from Visa USA Inc. <br>=
=0A<br>=0AUpgrade, Inc. (NMLS #1548935) holds the following <a href=3D"http=
s://link.upgrade.com/f/a/lc4q56MBLiTP7WWftZYMXQ~~/AAQRxRA~/U679C6MdG1Mtun-5=
c8-Ct-b9xgE7y8sfqrftVKBTvz9HCoQ0fdWgjum_csX92J30Y3nb1AUbLDDSx8tJqv1en8Dug1R=
-FdW6oOHJzac18MpoDbMiE4jjS_MvYwOcHFk9M4_7uuGpQ-iZjyjg0z4fbxrO7kzo-uXyuEfuwU=
5oBe_NhHswtyZMPdnOR5ffAXdGN9JumYDOSOarZrdqjDRzccXO5NUmzz-nzVOjL1Qz4Z0~" tar=
get=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decoratio=
n: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">state licenses</a> and does business under t=
he following <a href=3D"https://link.upgrade.com/f/a/XnkD4P91Eiu6sv3yClJTyQ=
~~/AAQRxRA~/8t05LmjJS0DtFbL3yleTxJFHkcXZ_6PDknFo9F6yzIn8FtCIdXRBRmyOKTXHezr=
WcCwZzy0gKAqptXObN7BY3srlxaJ2V-UbA9SVEUBTS8Cgkb5WbGnHJH-Ij1iLO6sq" target=
=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decoration: =
underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;">DBAs</a>. <br>=0A<br>=0AUpgrade is a <a href=3D=
"https://link.upgrade.com/f/a/uN_y2cg8ahDPiLrMfDl71A~~/AAQRxRA~/MuR2X1_zU6q=
Y1oBqbsCtFIleKOCXZnRuiqaEJKXsgkY29iEFpDTxtG1bUQb0HWDOs_K7oAJfRYgZLgyCWCjpU5=
e7wJAWxA9tizD0Wmoq76btb7ffj3gtqJJcHU1cnty-RafHEJpdxMkgbUxiYsKCyCuP5oX9sV_ek=
t5avhKDXXwlXKAmHXlK2R7hLiEcTIO-" target=3D"_blank" style=3D"vertical-align:=
 top; color: #4899C4; text-decoration: underline; mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">financia=
l technology company, not a bank</a>.=0D=0A                    </td>=0D=0A =
                 </tr>=0D=0A                  <tr>=0D=0A                   =
 <td class=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial, serif=
; font-size: 12px; line-height: 16px; color: #424242; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddi=
ng: 10px 0px 0px;" align=3D"left">=0A<table align=3D"center" border=3D"0" c=
ellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600px; =
border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A  <tr>=0D=
=0A    <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;=
"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 1=
00%; border-top-width: 1px; border-top-color: #cecece; border-top-style: so=
lid; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0p=
t; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A     =
   <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 20px 0px 0px;"><table class=3D"center" align=3D"center" border=3D"0" cel=
lspacing=3D"0" cellpadding=3D"0" width=3D"60%" style=3D"text-align: center;=
 border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=
=0D=0A              <tbody>=0D=0A                <tr>=0D=0A                =
  <td align=3D"center" valign=3D"middle" width=3D"100" style=3D"mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%; padding: 0px;">=0A<a href=3D"https://link.upgrade.com/f/a/QkFNqhrlfwX7=
EP2Vlfr58g~~/AAQRxRA~/ovb_1ZDUMXjuBlJ5v4yUFQKc0cdkyNXpC9EtkADIlbllVnWCz-EjP=
FujBNOVhVO4Sa7cok3q4byVYRiiLkuT-EiDcS44TxjALHduo5iRex18IGG0kuzcjik-x5Q0VeMZ=
6EuC-l8DT0ck10mC8sPXMA2jTVZIaZe0TUd18ouzSS2dRnTXrVEfJxzXrJ9rlKg-odh0_RTwhnl=
3GByS3jmOmM_ZohL9PIVTh-sKZ5g-YhxKPk0SjvRM-fkHCLv5wsRG" target=3D"_blank" al=
ias=3D"facebook" style=3D"color: #4899C4; text-decoration: underline; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;"><img src=3D"https://braze-images.com/appboy/communication/asset=
s/image_assets/images/65fb645920ede0004c647b15/original.png=3F1710974041" b=
order=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" height=3D"auto=
" style=3D"text-align: center; width: 24px; height: auto; image-rendering: =
auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic=
; padding: 0px; border-width: 0;"></a>=0D=0A                  </td>=0D=0A  =
                <td align=3D"center" valign=3D"middle" width=3D"100" style=
=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 0px;">=0A<a href=3D"https://link.upgrade.com/f=
/a/UQhiLBHcr6iafgEH_5iRkg~~/AAQRxRA~/ovb_1ZDUMXjuBlJ5v4yUFazD10gg6HWIlAhU2e=
4FiDbPhNeyyG--3fZ8JjPuKLaXVDrB1j0IRgpXK1wYkxglPCJlUVg0AxkZnD5ZfisND1X7AJAHX=
U4UpliSmBtXOR1EuyJKOoLMdl7kC9g3QCc6zTsV5V0bUXm5-FkV4NS2Jp1RgmnPaR8__iuiJejh=
Mi8Oq44lnd6QF7_foDl71O2fr0iDa84zWg2H-Nn7L9LJrCaaeXmfShxg2ZevS6dvMc6o" targe=
t=3D"_blank" alias=3D"instagram" style=3D"color: #4899C4; text-decoration: =
underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/com=
munication/assets/image_assets/images/65fb64594f39dd004c62621d/original.png=
=3F1710974041" border=3D"0" alt=3D"instagram" title=3D"instagram" width=3D"=
24" height=3D"auto" style=3D"text-align: center; width: 24px; height: auto;=
 image-rendering: auto; outline: none; text-decoration: none; -ms-interpola=
tion-mode: bicubic; padding: 0px; border-width: 0;"></a>=0D=0A             =
     </td>=0D=0A                  <td align=3D"center" valign=3D"middle" wi=
dth=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 0px;">=0A<a href=3D"https://l=
ink.upgrade.com/f/a/sv8rC3zJWZShL_wSGFCfeA~~/AAQRxRA~/slbcq84gvL17J-QxLGE0x=
AnDJtw1pcpPHufnLyVwPcJ_pqv107ycfngQOIWuaM3gX-8t4aVq8_xKiU9Pl4xZPm-fUf6VWZCb=
45ZIV4hYPHL8Bng6oBmlN-D1w6aChqziGVI7H_X73ao9K2GVkQJ4nuoAqMcbWHkJCiROoI1Ylqx=
lN8GYOzlZjfXI7lmdJCt0VbgmJJhOa90a7-kOuSNOM4W0JIvdSweThOvLFlZdZ-plh7xmMwX-oK=
D0Q97cL-ID" target=3D"_blank" alias=3D"blog" style=3D"color: #4899C4; text-=
decoration: underline; mso-line-height-rule: exactly; -ms-text-size-adjust:=
 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze-images.co=
m/appboy/communication/assets/image_assets/images/65fb6459172062004de47b44/=
original.png=3F1710974041" border=3D"0" alt=3D"blog" title=3D"blog" width=
=3D"47" height=3D"auto" style=3D"text-align: center; width: 47px; height: a=
uto; image-rendering: auto; outline: none; text-decoration: none; -ms-inter=
polation-mode: bicubic; padding: 0px; border-width: 0;"></a>=0D=0A         =
         </td>=0D=0A                </tr>=0D=0A              </tbody>=0D=0A=
            </table></td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A       =
   <td style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-si=
ze: 12px; line-height: 16px; font-weight: 500; mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15p=
x 0px 0px;" align=3D"center">Please do not reply directly to this message a=
s it was sent from an unattended mailbox. </td>=0D=0A        </tr>=0D=0A   =
     <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Aria=
l, sans-serif; font-size: 12px; line-height: 16px; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding:=
 10px 0px 0px;" align=3D"center">This email contains advertising content an=
d was sent to <a href=3D"#" class=3D"disabled-link" style=3D"font-family: H=
elvetica, Arial, sans-serif; font-size: 12px; color: #37383A !important; te=
xt-decoration: none !important; cursor: none !important; pointer-events: no=
ne !important; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%;" alias=3D"user_email">info@sterlingcal.com</=
a> based on your communication preferences. </td>=0D=0A        </tr>=0D=0A =
       <tr>=0D=0A          <td style=3D"font-family: Graphik, Helvetica, Ar=
ial, sans-serif; font-size: 12px; line-height: 18px; color: #424242; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 10px 0 0;" align=3D"center">No longer want to receive th=
ese emails=3F <a href=3D"https://link.upgrade.com/f/a/4_rFmEzqfJ3b4ha5kyHpv=
w~~/AAQRxRA~/Bv6nrWmCJvjoVUe2cwgpoqM4uGnLOdW1WoxYPJ6yuvaEDaSRYNXjath6EALMdP=
DemJbJ4BCjtIMPvwQX2LhkwJ1h5GPj2E4K5vubnNQpP9bIeqJpuiChdhWd4TPcO1Uk8Mb3jbNYW=
O9eFdRAt3UPgUEmwJAYuE5bDXRrzlV9-3SfYBX1AhjPxGMxJ1OnQjzusoiRUFagJm96D6Kz7iQz=
ZmYzOcqgedGMC6QSFPI6pdKC3EF95ZQ3rVr-5uoigu0uy0JauFuqp96M8T25sTgeIz9Q9HPoIIj=
ld2VcVO8dJkZ5Ip1rzSABEc6Na7n2klf6X0sCG2kjgWyFDoRG36h7K8PCCfgOdqZl5GcOpBrACA=
ZVZ-Ekd9iKIPZfiLDvv2dd6MWoFc11EYoN6kaIC9LIf0Hv7-2EEuhOghecQjt10ObI_P74EJLEl=
3VLdNwaZbVMyFdm49AINfSvsnl8o2xSQOUTdTK8DQjtSpNwiwCtHCtOA2GZiksMGgyRol1CgEav=
ywJtFheseAEpGBG7bSPetldHU4pWa2Y2BD_dO6r_rhlu7khMFRL3XcsKIF3K11AsBp7F320Qk9J=
GyGm31FJBfzPMgQDS5Ppc_uKbFOoq3HMKFAamv1pkwnIXUtxHlFaJ5i15A4XOtxv4llKy0A1nbl=
nXZmRdt_U5PJDccgFO0VjOraZpUhCNyCRlnCHSqerF-zeKySyGvGVYJy7InC9rEqjk9r3aknyHF=
gWGD57KDyVCKn7U_9cv-t8rufTkydY0" alias=3D"Unsubscribe" style=3D"font-family=
: Helvetica, Arial, sans-serif; font-size: 12px; color: #37383A; text-decor=
ation: underline; vertical-align: top; display: inline-block; mso-line-heig=
ht-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100=
%;">Unsubscribe</a> or <a href=3D"https://link.upgrade.com/f/a/J1CzHlm687hz=
CIRmPiiZ4Q~~/AAQRxRA~/ZjGoOENYk1JztjR-eoxMo2Tc3aQMZ9U5OUemkn64b7s7LASryUsgz=
XUm_2CfmPD9hFXIWDklgUUyNrFyT_JMT7d3M2Am2R3PDajXdTX2JSYfTOvA2CRA79ZDnTFbEvU4=
UC83Fg5PWE4nb3UE1J_fHr_5ZBVCsYkHNBebpaaARINEVz5OoaV9-kbmSO8I4HMgcptMvzE7C4H=
Frz3uOJY-9XMYn8TV_8JB1v24wstbQXuJovmypfteWzQUrBKQyTUo2E5qAx4FEwnmF-II1DseiA=
D519cSMDH19bmbLl0GDVTeQH-E_Yl3zkv-0-QZ43bWR5A8ALeQMlJAt_KPXr0Z89Fl1e55esgMJ=
PkI_tze0KTTRliS2-_hRdmyWJXmzqq2fK26FpHfIgMsBp66QPIWkxrlMxuTtpDNwDe1u78-JTrZ=
qpUbqz-nfd2KavQIzu_rDqk74xt0pTCNaBkopeLl7UMCvlBq1i5LVYI9zqiiaXwtrBy4j9kZ2jt=
H1wy75XUAn-5dquT271dBfI-w59Z9sznewqxgR4eHo1okX1LmGcWa0f8m1dNM7QfuutaAP2Ih9P=
iR2Dg7T7-7hldodUrRu-hvCT1vWR-0_5z8yHuDDNX-E7rm4n_6k8noXGJ1L8cuW43wjqjq4xxC7=
pSeqXLdI4r8xS8tYrHlhwwTQBB3dE4mvql8kxDoeiOXq6fIdvMoJbRpy2oXSn4ZyDoMT3DzFE2M=
AyjrnIykZFBWrXd5JFYir8s7t5Wd9abnS0sKTIS9-HZ8L7UcWZCcuCGJiExaoD_YKYTRXNLfP9n=
zdXdN85jq6rDcu-yICVUg-GXaL00GP_jvpGhIiZz7CLG1CBJAnVb2tOJYap1tplEV7Fj1K-1-Wc=
IZJEeRATXPqXF3RjlDwBdjeSqJigSoQ7pwB9DV2-DoV5jI0-XXKoEG6uL6zKnVPftJ5LslU4XCF=
M390ZmRS-27sE5zwfTSXl4YxSe2CiLvZpSwQGZ3H7gzkvWILTH1yIeMLTxncE_c2eURjxgmJCM2=
9fij1KA0i25i4Mkicx3--Uc7ecIe1IwwxkN8TNRB8YTjkq97td_-rgNP-VnnDPP4jBcKFCDjK_T=
TWkVHsq_lv3C5lN780PdJbvsmFYiP37409i8ZJz-HrsE9uco4cAaSpEMJ0UWsH4iymj-0mkGa5e=
9NX8G7AQtZJkvgeH0~" alias=3D"Preference" style=3D"font-family: Helvetica, A=
rial, sans-serif; font-size: 12px; color: #37383A; text-decoration: underli=
ne; vertical-align: top; display: inline-block; mso-line-height-rule: exact=
ly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Update Pre=
ferences</a>=0A</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <t=
d class=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial, serif; f=
ont-size: 12px; line-height: 16px; color: #424242; mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding:=
 10px 0px 0px;" align=3D"center"><table border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-ls=
pace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;">=0D=0A            <tbody>=0D=0A              <tr>=0D=0A=
                <td align=3D"center" style=3D"mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;=
"><img src=3D"https://braze-images.com/appboy/communication/assets/image_as=
sets/images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" alt=3D"Upgr=
ade" title=3D"Upgrade" border=3D"0" width=3D"120" height=3D"auto" style=3D"=
width: 120px; height: auto; image-rendering: auto; outline: none; text-deco=
ration: none; -ms-interpolation-mode: bicubic; border-width: 0;"></td>=0D=
=0A              </tr>=0D=0A            </tbody>=0D=0A          </table></t=
d>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"font-fa=
mily: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; line-height: =
16px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: =
100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"cent=
er">Upgrade is located at 275 Battery Street, 23rd Floor, San Francisco, CA=
, 94111</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=
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: 100%; padding: 0px;" valign=3D"top"><table border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-tab=
le-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%;">=0A                    <tbody>=0A                 =
     <tr>=0A                        <td align=3D"center" valign=3D"middle" =
style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit=
-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"https://link.up=
grade.com/f/a/ENxnlQ8M1d9-xg0t_aL1RA~~/AAQRxRA~/-hG6X70jNuJ4Ph8jrkHmq-1rvUa=
EO_VRnKqQib1iUEK2Dh-ZqG3FgRHoGCF4hk5_O4_fa7olbIcUsIHv6HBIG57a_ny8R-qSR6OAlj=
rAwNY~" style=3D"font-family: Graphik, Helvetica, Arial, sans-serif; text-a=
lign: center; font-size: 20px; color: #00AF6A; text-decoration: none; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;"><img alt=3D"&nbsp;" border=3D"0" height=3D"33" src=3D"https://b=
raze-images.com/appboy/communication/assets/image_assets/images/63348ce6db7=
7c73d707010e4/original.png=3F1664388326" style=3D"outline: 0px; width: 144p=
x; height: auto; font-family: Graphik, Helvetica, Arial, sans-serif; font-s=
ize: 24px; color: rgb(0, 175, 106); image-rendering: auto; text-decoration:=
 none; -ms-interpolation-mode: bicubic; padding: 0px; border-width: 0px;" t=
itle=3D"logo" width=3D"144" class=3D"center"></a></td>=0A                  =
    </tr>=0A                    </tbody>=0A                  </table></td>=
=0A              </tr>=0A            </tbody>=0A          </table></td>=0A =
     </tr>=0A    </tbody>=0A  </table>=0A  <!-- X-250ok-CID: upgrade_pl_ita=
_declined_old_send05_a-->=0A  =0A  <span style=3D"font-size: 0px; line-heig=
ht: 1;">=0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =
=0A  =0A  <span style=3D"font-size: 0px; line-height: 0;">=0D=0A=0D=0A=0D=
=0A=0D=0A=0D=0A=0D=0A  =0D=0A=0D=0A</span>=0D=0A=0A  =0A  </span>=0A  =0A  =
=0A  =0A  </td>=0D=0A                          </tr>=0D=0A                 =
       </tbody>=0D=0A                      </table></td>=0D=0A             =
     </tr>=0D=0A                </tbody>=0D=0A              </table></td>=
=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      =
<!--PRIMARY CONTENT-->=0D=0A      <table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-l=
space: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A       =
 <tr>=0D=0A          <td align=3D"center" style=3D"mso-line-height-rule: ex=
actly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding:=
 40px 0px 30px;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" st=
yle=3D"width: 90%; border-collapse: collapse; mso-table-lspace: 0pt; mso-ta=
ble-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%=
;">=0D=0A              <tbody>=0D=0A                <tr>=0D=0A             =
     <td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, s=
erif; font-size: 16px; line-height: 24px; color: #424242; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 0px;" align=3D"left">=0A<span style=3D"font-size: 0px; line-height:=
 1;"></span>Hi,</td>=0D=0A                </tr>=0D=0A                <tr>=
=0D=0A                  <td class=3D"head3" style=3D"font-family: Graphik, =
Helvetica, Arial, serif; font-size: 24px; line-height: 32px; color: #0E680E=
; font-weight: 500; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"left">=
Start taking control of your debt</td>=0D=0A                </tr>=0D=0A    =
            <tr>=0D=0A                  <td class=3D"body1" style=3D"font-f=
amily: Graphik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px=
; color: #424242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 15px 0px 20px;" align=3D"left">J=
ust checking in to see if you=E2=80=99re still in the market for a  loan=3F=
 It=E2=80=99s easy to check your rate again at Upgrade and see what you qua=
lify for.</td>=0D=0A                </tr>=0D=0A              <span style=3D=
"font-size: 0px; line-height: 1;">=0D=0A=0D=0A=0D=0A</span>=0D=0A=0D=0A=0D=
=0A=0D=0A<tr>=0D=0A  <td valign=3D"top" align=3D"center" width=3D"515" styl=
e=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-h=
eight: 24px; color: #ffffff !important; mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0A<=
!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"center" class=3D"cta_t=
able" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 275p=
x; border-collapse: separate; -webkit-border-radius: 8px; -moz-border-radiu=
s: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px soli=
d #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A              <td=
 height=3D"45" style=3D"height: 40px; color: #ffffff; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" vali=
gn=3D"middle" align=3D"center"><a alias=3D"Check Your Rate" href=3D"https:/=
/link.upgrade.com/f/a/wOWCuBpI-g3bcMHMs9jqAg~~/AAQRxRA~/jlM6tb3zOiFP7fzMlsG=
miLlEUxNHZmZ4oTy4RtL98FVtn7G_HDiSMOs3UqZQ_EM-ef55NFv3UqITbPfbaLZ3G0cfi5mnCU=
tZr-TjJiOnwmcGtXZ8UJRSBMLa4UqGtkQ6pdYbAbmE58M_Z3l9naGdiIl1lG2V81BlqcWqiRtFa=
4yXpMZTigN5FVT5_06ErsBKKc_unpQtZxduPAzH83tqN2JU3QOjBMs8m0h4UKnciA8OjN-vXP_z=
c_0yEQ0Pil0o" style=3D"display: inline-block; font-size: 16px; line-height:=
 24px; font-family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500=
; color: #ffffff !important; text-decoration: none !important; letter-spaci=
ng: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<=
![endif]-->Check Your Rate<!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]--></a></=
td>=0D=0A          </tr>=0D=0A      </table>=0D=0A  </td>=0D=0A</tr>=0D=0A=
=0D=0A=0D=0A=0D=0A=0D=0A                <tr>=0D=0A                  <td cla=
ss=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-s=
ize: 16px; line-height: 24px; color: #424242; mso-line-height-rule: exactly=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px=
 0px 0px;" align=3D"left">Checking your rate only takes a moment and it won=
=E2=80=99t impact your credit, so it never hurts to take a moment and see w=
hat you qualify for.</td>=0D=0A                </tr>=0D=0A              <tr=
>=0D=0A                <td class=3D"body1" style=3D"font-family: Graphik, H=
elvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #424242;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">Thank you,<br>=0D=
=0A                  The Upgrade Team </td>=0D=0A              </tr>=0D=0A =
             </tbody>=0D=0A            </table></td>=0D=0A        </tr>=0D=
=0A        </tbody>=0D=0A      </table>=0D=0A      <!--CONTACT US OR DOWNLO=
AD -->=0D=0A      <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" s=
tyle=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-=
table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td align=
=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 0px;"><table border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: col=
lapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: =
100%; -webkit-text-size-adjust: 100%;">=0D=0A                <tbody>=0D=0A =
                 <tr>=0D=0A                    <td class=3D"body1" style=3D=
"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-heigh=
t: 24px; color: #424242; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" align=3D"center">=
=0A<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D"width: 100%; border-bottom-width: 1px; border-bottom-color: #cccc=
cc; border-bottom-style: solid; max-width: 600px; border-collapse: collapse=
; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%;=
 -webkit-text-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=0A   =
 <td class=3D"mbl_text_cs" style=3D"padding-top: 25px; font-family: Helveti=
ca, Arial, serif; font-size: 16px; line-height: 20px; color: #37383A; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;" align=3D"center">If you have questions, we're here to help.=0D=
=0A    </td>=0D=0A  </tr>=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_cs" st=
yle=3D"font-family: Helvetica, Arial, serif; font-size: 16px; line-height: =
20px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-adjust: =
100%; -webkit-text-size-adjust: 100%; padding: 3px 3px 25px;" align=3D"cent=
er">=0D=0A      <a href=3D"mailto:support@upgrade.com" style=3D"font-family=
: Helvetica, Arial, serif; color: #4899C4; text-decoration: underline; vert=
ical-align: middle; display: inline-block; mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">support@upgrade=
.com</a>=0D=0A    </td>=0D=0A  </tr>=0D=0A</table>=0D=0A=0D=0A            =
        </td>=0D=0A                  </tr>=0D=0A                </tbody>=0D=
=0A              </table></td>=0D=0A          </tr>=0D=0A        </tbody>=
=0D=0A      </table>=0D=0A      <!--FOOTER STARTS HERE-->=0D=0A      <table=
 border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; bor=
der-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff"=
>=0D=0A        <tbody>=0D=0A          <tr>=0D=0A            <td align=3D"ce=
nter" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%; padding: 20px 0px 5px;"><table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; border-collapse: c=
ollapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust=
: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                <tbody>=0D=
=0A                  <tr>=0D=0A                    <td class=3D"body3" styl=
e=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; line-h=
eight: 16px; color: #424242; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=
=3D"left">=0A<sup style=3D"font-size: 8px; line-height: 1;">1</sup> Persona=
l loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99=
%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which i=
s deducted from the loan proceeds. Lowest rates require Autopay and paying =
off a portion of existing debt directly. Loans feature repayment terms of 2=
4 to 84 months. For example, if you receive a $10,000 loan with a 36-month =
term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5=
% one-time origination fee), you would receive $9,500 in your account and w=
ould have a required monthly payment of $341.48. Over the life of the loan,=
 your payments would total $12,293.46. The APR on your loan may be higher o=
r lower and your loan offers may not have multiple term lengths available. =
Actual rate depends on credit score, credit usage history, loan term, and o=
ther factors. Late payments or subsequent charges and fees may increase the=
 cost of your fixed rate loan. There is no fee or penalty for repaying a lo=
an early. </td>=0D=0A                  </tr>=0D=0A                  <tr>=0D=
=0A                    <td class=3D"body3" style=3D"font-family: Graphik, H=
elvetica, Arial, serif; font-size: 12px; line-height: 16px; color: #424242;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">Accept your loan of=
fer and your funds will be sent to your bank or designated account within o=
ne (1) business day of clearing necessary verifications. Availability of th=
e funds is dependent on how quickly your bank processes the transaction. Fr=
om the time of approval, funds sent directly to you should be available wit=
hin one (1) business day. Funds sent directly to pay off your creditors may=
 take up to 2 weeks to clear, depending on the creditor.=0D=0A             =
       </td>=0D=0A                  </tr>=0D=0A                  <tr>=0D=0A=
                    <td class=3D"body3" style=3D"font-family: Graphik, Helv=
etica, Arial, serif; font-size: 12px; line-height: 16px; color: #424242; ms=
o-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-=
adjust: 100%; padding: 10px 0px 0px;" align=3D"left">All loans, Personal Cr=
edit Lines, and checking and savings accounts are provided by Upgrade's <a =
href=3D"https://link.upgrade.com/f/a/npDRxK4Sl13_rSHzq_NcJQ~~/AAQRxRA~/iZJT=
Lm2SRlua1Su66xu-yKVBQywU0Mb2Wp58YeVz6UDey3x6hMF3nHnzxJAPO-mvgt8W3CAr2lV9bes=
TVJCesilxGcngvivSv40DvHwKk5lnn3BgsCUcfi5sDVDaPqUA" target=3D"_blank" style=
=3D"vertical-align: top; color: #4899C4; text-decoration: underline; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">bank partners</a>. Upgrade Visa<sup style=3D"font-size: 12px; li=
ne-height: 1; vertical-align: top;">=C2=AE</sup> Cards and Upgrade Visa<sup=
 style=3D"font-size: 12px; line-height: 1; vertical-align: top;">=C2=AE</su=
p> Debit Cards are issued by Upgrade's <a href=3D"https://link.upgrade.com/=
f/a/npDRxK4Sl13_rSHzq_NcJQ~~/AAQRxRA~/iZJTLm2SRlua1Su66xu-yKVBQywU0Mb2Wp58Y=
eVz6UDey3x6hMF3nHnzxJAPO-mvgt8W3CAr2lV9besTVJCesilxGcngvivSv40DvHwKk5lnn3Bg=
sCUcfi5sDVDaPqUA" target=3D"_blank" style=3D"vertical-align: top; color: #4=
899C4; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank partners</a>, purs=
uant to a license from Visa USA Inc. <br>=0A<br>=0AUpgrade, Inc. (NMLS #154=
8935) holds the following <a href=3D"https://link.upgrade.com/f/a/lc4q56MBL=
iTP7WWftZYMXQ~~/AAQRxRA~/U679C6MdG1Mtun-5c8-Ct-b9xgE7y8sfqrftVKBTvz9HCoQ0fd=
Wgjum_csX92J30Y3nb1AUbLDDSx8tJqv1en8Dug1R-FdW6oOHJzac18MpoDbMiE4jjS_MvYwOcH=
Fk9M4_7uuGpQ-iZjyjg0z4fbxrO7kzo-uXyuEfuwU5oBe_NhHswtyZMPdnOR5ffAXdGN9JumYDO=
SOarZrdqjDRzccXO5NUmzz-nzVOjL1Qz4Z0~" target=3D"_blank" style=3D"vertical-a=
lign: top; color: #4899C4; text-decoration: underline; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">sta=
te licenses</a> and does business under the following <a href=3D"https://li=
nk.upgrade.com/f/a/XnkD4P91Eiu6sv3yClJTyQ~~/AAQRxRA~/8t05LmjJS0DtFbL3yleTxJ=
FHkcXZ_6PDknFo9F6yzIn8FtCIdXRBRmyOKTXHezrWcCwZzy0gKAqptXObN7BY3srlxaJ2V-UbA=
9SVEUBTS8Cgkb5WbGnHJH-Ij1iLO6sq" target=3D"_blank" style=3D"vertical-align:=
 top; color: #4899C4; text-decoration: underline; mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">DBAs</a>=
. <br>=0A<br>=0AUpgrade is a <a href=3D"https://link.upgrade.com/f/a/uN_y2=
cg8ahDPiLrMfDl71A~~/AAQRxRA~/MuR2X1_zU6qY1oBqbsCtFIleKOCXZnRuiqaEJKXsgkY29i=
EFpDTxtG1bUQb0HWDOs_K7oAJfRYgZLgyCWCjpU5e7wJAWxA9tizD0Wmoq76btb7ffj3gtqJJcH=
U1cnty-RafHEJpdxMkgbUxiYsKCyCuP5oX9sV_ekt5avhKDXXwlXKAmHXlK2R7hLiEcTIO-" ta=
rget=3D"_blank" style=3D"vertical-align: top; color: #4899C4; text-decorati=
on: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%;">financial technology company, not a bank</a=
>.=0D=0A                    </td>=0D=0A                  </tr>=0D=0A       =
           <tr>=0D=0A                    <td class=3D"body3" style=3D"font-=
family: Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16p=
x; color: #424242; mso-line-height-rule: exactly; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">=
=0A<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D"width: 100%; max-width: 600px; border-collapse: collapse; mso-tab=
le-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%;">=0D=0A  <tr>=0D=0A    <td align=3D"center" style=
=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 10px 0px 0px;"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-top-width: 1px; borde=
r-top-color: #cecece; border-top-style: solid; border-collapse: collapse; m=
so-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">=0D=0A        <tr>=0D=0A          <td align=
=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px;"><table class=
=3D"center" align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"=
0" width=3D"60%" style=3D"text-align: center; border-collapse: collapse; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; padding: 0px;">=0D=0A              <tbody>=0D=
=0A                <tr>=0D=0A                  <td align=3D"center" valign=
=3D"middle" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0A<a hre=
f=3D"https://link.upgrade.com/f/a/QkFNqhrlfwX7EP2Vlfr58g~~/AAQRxRA~/ovb_1ZD=
UMXjuBlJ5v4yUFQKc0cdkyNXpC9EtkADIlbllVnWCz-EjPFujBNOVhVO4Sa7cok3q4byVYRiiLk=
uT-EiDcS44TxjALHduo5iRex18IGG0kuzcjik-x5Q0VeMZ6EuC-l8DT0ck10mC8sPXMA2jTVZIa=
Ze0TUd18ouzSS2dRnTXrVEfJxzXrJ9rlKg-odh0_RTwhnl3GByS3jmOmM_ZohL9PIVTh-sKZ5g-=
YhxKPk0SjvRM-fkHCLv5wsRG" target=3D"_blank" alias=3D"facebook" style=3D"col=
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