Envelope-to: info@sterlingcal.com
Delivery-date: Mon, 16 Jun 2025 13:26:30 -0500
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <38.35.42956.EDC50586@i-082f532f7e248c6ae.mta1vrest.sd.prd.sparkpost>
To: info@sterlingcal.com
Date: Mon, 16 Jun 2025 18:05:18 +0000
Content-Type: multipart/alternative; boundary="_----Y+fVjva9PilZxxCVpw0BFg===_42/35-42956-EDC50586"
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/i0XbRFvTcFMj=
NqLjgH5tXA~~/AAQRxRA~/GhK7r8JF0b5cZO9XYei0C9NIxcOk2AkGb1zYRGIkyeCgbHV6OE5aX=
_3k_zsBKsTg6r95jiJncVLiHhmLn8Gyndy-FzLcNT8q5jpep9g4Axo~ )=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/5poiHR1B2P6IJDOUMONntw~~/AAQRxRA~/V_KWv=
KgPBQ-OaRkmKgCc_BjKTv9va9UTp3GbHwtUsoWom1t8bQxCvzCfJSEZ7NV0tlDG7q6hFjRwkiEV=
9fNNeQyIqmp6EYEntg3Wilia_xrmgnXwcEGPTSDw3GcGKaktL5T1cDnnhhWLwwb3Lrr4RQ~~=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/bhlZeJgHfkB3n_kvmGya1Q~~/AAQRxRA~/4TaBhh1qLEa8ZZ=
SCdBhU8NgWhNUT5DqmINKCmDbCxCXiNPBU5T2M5fBa21X_MXMVeZis9Ix1_T0RdW58_VJRrLHgG=
EtA4Md57dEA-RxDJdDFTKSiC1EqycsKFv4enW2a_0E3qE2TGQ9GV48ZVO-YZ2tBQRhGSShWHVlE=
fuq3LQIIghV3Bs9e6gBeYn8afj8IBpIlOsnjmWXbQH1AVs8mLlQSIMjzlWoaidbJXNPQK6ez5xY=
6NDM-i3bcH1DtCLTj=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/6wgONvrMIv3tSO_hvjeU_w~~/AAQRxRA~/5xI0nxe=
jzUPtXV2-NM7H7RuWpS4XY1VtaxQk9D9bQtCKG2JPSNgKx9ZuBGIaxWoEysmzBc1-Qsq_9gNCMy=
dan9mjN5jP3fBadqXv7QgglLb7nm3L4X15cXyyqxe6LnoW ) . 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/6wgONvrMIv3tSO_hvjeU_w~~/AAQRxRA~/5xI0nx=
ejzUPtXV2-NM7H7RuWpS4XY1VtaxQk9D9bQtCKG2JPSNgKx9ZuBGIaxWoEysmzBc1-Qsq_9gNCM=
ydan9mjN5jP3fBadqXv7QgglLb7nm3L4X15cXyyqxe6LnoW ), 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/gNv7R25oTz86QGfXtf-4Bw~~/=
AAQRxRA~/KV0T4xQLCU54AA7MtDsZf9Vo0ME4LvpXSC4t7Wu-Uc-x8HgB3d0WleSbFKwopCKuQg=
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DwyRVqZQszdnfq-t7Fcy2qVBkRmKDEqfhZo6SY-F-oOCIK6pjFdSxIwkiLIjX47tDeXWPh8Cwrg=
Svwi2NuQVlo_j2qp1Nw~ )=0A and does business under the following DBAs =0A( h=
ttps://link.upgrade.com/f/a/fq_RMr-o2Efpcy603vzrpg~~/AAQRxRA~/zwX-gNrpBcY_X=
sioWrlH0tsRlqTI4YP7RP-mgpjQUISEiUFADK76ruRRcj6G3yitzRCoDBqYzNrZqCSZj069iUKD=
h14cQiv0kPR27po5LOX9chTeR_Wml8tb2OALl2nf ).=0A=0AUpgrade is a financial tec=
hnology company, not a bank =0A( https://link.upgrade.com/f/a/4Xu_jzLU0G2vC=
DT6M7MdDg~~/AAQRxRA~/12umKCywK9rr6JVxnmnlgKNo-tzcNdqxlPKPrfgyGiJBRL1phaIjt8=
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8PRe1WLBYCaId7ay3kY971ZgdcfYB-seGpZBXOdkReHSi8a0oyPb5cXAtncwmea )=0A.    =
=0A        facebook =0A( https://link.upgrade.com/f/a/e_pEvk9Du6Py6QfF6Fo-c=
Q~~/AAQRxRA~/sS52UQAnAEw7PNxggVa-h4wa1svyeXj1nGxCNEVbk7g5-QOaUQM0VkuFZGuysc=
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YL268LLxq )=0A blog =0A( https://link.upgrade.com/f/a/v61DF9fI4D4M2xIHRIrfW=
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nSHGQfcaiayVl33WNRaUlhwTmLchzMW2TnvE6Hnia5eYH )=0A or Update Preferences (=
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i9pkq2xuevzlyXIcTYggKnbFIs1matlxtfm6uoY6PzB1_7QVRGcLf3XMMihyo~ )=0A      Up=
grade      Upgrade is=0Alocated at 275 Battery Street, 23rd Floor, San Fran=
cisco, CA,=0A94111    =C2=A9 2025 Upgrade, Inc. All=0Arights reserved.    P=
rivacy Policy =0A( https://link.upgrade.com/f/a/5OTdF6XleZmRpW_oY6HMeQ~~/AA=
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l Housing Lender=0A=0APL_ITA_DECL_OLD_S5
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ody>=0D=0A                          <tr>=0D=0A                            <=
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llpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: co=
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ng: 0px;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=
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                        <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/i0XbRFvTcFMjNqLjgH5tXA~~/AAQRxRA~/GhK7r8JF0b5cZO9XYei0C9NIxcOk2AkGb1zYRGI=
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     </tr>=0A    </tbody>=0A  </table>=0A  <!-- X-250ok-CID: upgrade_pl_ita=
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<!--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=
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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: #686C78; 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:=
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=0D=0A                  <td class=3D"head3" style=3D"font-family: Graphik, =
Helvetica, Arial, serif; font-size: 24px; line-height: 32px; color: #0E680E=
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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: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 15px 0px 20px;" align=3D"left">I=
f you=E2=80=99re looking to simplify and take control of your debt, <a alia=
s=3D"checking your rate" href=3D"https://link.upgrade.com/f/a/ntqLUurqMVQoS=
88uQbXApA~~/AAQRxRA~/nf2j9yXVoJlWz3UOXyuWzMr7yrC154Ng9TFu9waPZsCDrCBqKk3QPn=
az1kJnKS6U6Wr3aRmz9uxanLH8RZIzWK0c_jNOkq44fdwVxRx5EQ6fY_nxs6urGpjNNIXbaca4m=
vncti72jVDPuGBzO3d_oBD7vY3HFuqXrJGpH-BK922lr8aGy8vasmfx8HfyvJxwNoQKoVYE-P4S=
a_jmbwtRZiUCA2Ag00LI-59k3y5eYLzAGOlPbU1tsjjYXMGzArsE" style=3D"color: #1F63=
D2; display: inline-block; text-decoration: underline; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">che=
cking your rate</a> with Upgrade is a 1-minute investment that could fast-t=
rack 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" alig=
n=3D"center" width=3D"515" style=3D"font-family: Graphik, Helvetica, Arial,=
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line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; padding: 0px;">=0A<!--/BUTTON STARTS HERE-->=0D=0A      <table =
align=3D"center" class=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" style=3D"width: 275px; border-collapse: separate; -webkit-border=
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: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size=
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    <tr>=0D=0A              <td height=3D"45" style=3D"height: 40px; color:=
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t-text-size-adjust: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"C=
heck Your Rate" href=3D"https://link.upgrade.com/f/a/bhlZeJgHfkB3n_kvmGya1Q=
~~/AAQRxRA~/4TaBhh1qLEa8ZZSCdBhU8NgWhNUT5DqmINKCmDbCxCXiNPBU5T2M5fBa21X_MXM=
VeZis9Ix1_T0RdW58_VJRrLHgGEtA4Md57dEA-RxDJdDFTKSiC1EqycsKFv4enW2a_0E3qE2TGQ=
9GV48ZVO-YZ2tBQRhGSShWHVlEfuq3LQIIghV3Bs9e6gBeYn8afj8IBpIlOsnjmWXbQH1AVs8mL=
lQSIMjzlWoaidbJXNPQK6ez5xY6NDM-i3bcH1DtCLTj" style=3D"display: inline-block=
; font-size: 16px; line-height: 24px; font-family: Graphik, Helvetica, Aria=
l, sans-serif; font-weight: 500; color: #ffffff !important; text-decoration=
: none !important; letter-spacing: 0.5px; mso-line-height-rule: exactly; -m=
s-text-size-adjust: 100%; -webkit-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 class=3D"body1" style=3D"font-family: Graphik, =
Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686C78=
; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">We look forward to=
 helping you circle the date on your calendar that you=E2=80=99ll be debt f=
ree.</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: #686C78; mso-line-height=
-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
 padding: 20px 0px 0px;" align=3D"left">Thank you,<br>=0D=0A               =
   The Upgrade Team </td>=0D=0A              </tr>=0D=0A              </tbo=
dy>=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"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 align=3D"center" style=3D"=
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%; padding: 0px;"><table border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-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-height: 24px; color: #686C=
78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 0px;" align=3D"center">=0A<table class=3D"bg_s=
trong" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" st=
yle=3D"width: 100%; max-width: 600px; border-collapse: collapse; mso-table-=
lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=0A    <td class=
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lvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686C78; =
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-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_c=
s body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size:=
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25px;" align=3D"center">=0D=0A      <a href=3D"mailto:support@upgrade.com" =
style=3D"text-decoration: underline; vertical-align: middle; display: inlin=
e-block; color: #1F63D2; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">support@upgrade.com</a>=0D=0A    =
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                  </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" cellpa=
dding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collap=
se; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbod=
y>=0D=0A          <tr>=0D=0A            <td align=3D"center" style=3D"mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%; padding: 20px 0px 5px;"><table border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-l=
space: 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: Grap=
hik, Helvetica, Arial, serif; font-size: 12px; line-height: 16px; color: #6=
86C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-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 through Up=
grade 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 loa=
n proceeds. Lowest rates require Autopay and paying off a portion of existi=
ng debt directly. Loans feature repayment terms of 24 to 84 months. For exa=
mple, 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 would have a required mo=
nthly payment of $341.48. Over the life of the loan, your payments would to=
tal $12,293.46. The APR on your loan may be higher or lower and your loan o=
ffers may not have multiple term lengths available. Actual rate depends on =
credit score, credit usage history, loan term, and other factors. Late paym=
ents or subsequent charges and fees may increase the cost of your fixed rat=
e 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: #686C78; mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; paddin=
g: 10px 0px 0px;" align=3D"left">Accept your loan offer and your funds will=
 be sent to your bank or designated account within one (1) business day of =
clearing necessary verifications. Availability of the funds is dependent on=
 how quickly your bank processes the transaction. From the time of approval=
, funds sent directly to you should be available within one (1) business da=
y. 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, Helvetica, Arial, serif; fo=
nt-size: 12px; line-height: 16px; color: #686C78; mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: =
10px 0px 0px;" align=3D"left">All loans, Personal Credit Lines, and checkin=
g and savings accounts are provided by Upgrade's <a href=3D"https://link.up=
grade.com/f/a/6wgONvrMIv3tSO_hvjeU_w~~/AAQRxRA~/5xI0nxejzUPtXV2-NM7H7RuWpS4=
XY1VtaxQk9D9bQtCKG2JPSNgKx9ZuBGIaxWoEysmzBc1-Qsq_9gNCMydan9mjN5jP3fBadqXv7Q=
gglLb7nm3L4X15cXyyqxe6LnoW" target=3D"_blank" style=3D"vertical-align: top;=
 color: #1F63D2; 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; vertical-a=
lign: top;">=C2=AE</sup> Cards and Upgrade Visa<sup style=3D"font-size: 12p=
x; line-height: 1; vertical-align: top;">=C2=AE</sup> Debit Cards are issue=
d by Upgrade's <a href=3D"https://link.upgrade.com/f/a/6wgONvrMIv3tSO_hvjeU=
_w~~/AAQRxRA~/5xI0nxejzUPtXV2-NM7H7RuWpS4XY1VtaxQk9D9bQtCKG2JPSNgKx9ZuBGIax=
WoEysmzBc1-Qsq_9gNCMydan9mjN5jP3fBadqXv7QgglLb7nm3L4X15cXyyqxe6LnoW" target=
=3D"_blank" style=3D"vertical-align: top; color: #1F63D2; text-decoration: =
underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;">bank partners</a>, pursuant to a license from V=
isa USA Inc. <br>=0A<br>=0AUpgrade, Inc. (NMLS #1548935) holds the followin=
g <a href=3D"https://link.upgrade.com/f/a/gNv7R25oTz86QGfXtf-4Bw~~/AAQRxRA~=
/KV0T4xQLCU54AA7MtDsZf9Vo0ME4LvpXSC4t7Wu-Uc-x8HgB3d0WleSbFKwopCKuQglDQCE2dx=
Mf4IQTzfbjNyhNfnisEmNRUuyoWpmm6qpuLXGbDkpmXuD3sKfyv-8qHstgSp1bS1xJpDwyRVqZQ=
szdnfq-t7Fcy2qVBkRmKDEqfhZo6SY-F-oOCIK6pjFdSxIwkiLIjX47tDeXWPh8CwrgSvwi2NuQ=
Vlo_j2qp1Nw~" target=3D"_blank" style=3D"vertical-align: top; color: #1F63D=
2; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-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/fq_RM=
r-o2Efpcy603vzrpg~~/AAQRxRA~/zwX-gNrpBcY_XsioWrlH0tsRlqTI4YP7RP-mgpjQUISEiU=
FADK76ruRRcj6G3yitzRCoDBqYzNrZqCSZj069iUKDh14cQiv0kPR27po5LOX9chTeR_Wml8tb2=
OALl2nf" target=3D"_blank" style=3D"vertical-align: top; color: #1F63D2; te=
xt-decoration: underline; mso-line-height-rule: exactly; -ms-text-size-adju=
st: 100%; -webkit-text-size-adjust: 100%;">DBAs</a>. <br>=0A<br>=0AUpgrade =
is a <a href=3D"https://link.upgrade.com/f/a/4Xu_jzLU0G2vCDT6M7MdDg~~/AAQRx=
RA~/12umKCywK9rr6JVxnmnlgKNo-tzcNdqxlPKPrfgyGiJBRL1phaIjt85ZFOKxIDw1N6DHqqk=
H8UosVO3rscvg0ePHopUQoVFq_0vtj2wQ4FwDj6VuuWCCC94eisJkpcZ8c8PRe1WLBYCaId7ay3=
kY971ZgdcfYB-seGpZBXOdkReHSi8a0oyPb5cXAtncwmea" target=3D"_blank" style=3D"=
vertical-align: top; color: #1F63D2; text-decoration: underline; mso-line-h=
eight-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, Helvetic=
a, Arial, serif; font-size: 12px; line-height: 16px; color: #686C78; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 10px 0px 0px;" align=3D"left">=0D=0A=0D=0A    <table ali=
gn=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"wid=
th: 100%; max-width: 600px; border-collapse: collapse; mso-table-lspace: 0p=
t; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;">=0D=0A  <tr>=0D=0A        <td align=3D"center" style=3D"mso-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%; padding: 10px 0px 0px;"><table border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" style=3D"width: 100%; border-top-width: 1px; border-top-color=
: #cecece; border-top-style: solid; border-collapse: collapse; mso-table-ls=
pace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-=
size-adjust: 100%;">=0D=0A            <tr>=0D=0A            <td align=3D"ce=
nter" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%; padding: 20px 0px 0px;"><table class=3D"cent=
er" align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=
=3D"60%" style=3D"text-align: center; border-collapse: collapse; mso-table-=
lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 0px;">=0D=0A                <tbody>=0D=0A    =
            <tr>=0D=0A                    <td align=3D"center" valign=3D"mi=
ddle" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"http=
s://link.upgrade.com/f/a/e_pEvk9Du6Py6QfF6Fo-cQ~~/AAQRxRA~/sS52UQAnAEw7PNxg=
gVa-h4wa1svyeXj1nGxCNEVbk7g5-QOaUQM0VkuFZGuyscoSPB9sAmTlXOOnWdIzXbjAmolzkzm=
dR_DDQYeE6qNoUtxHLEGLwOQLnNq4LFK6Uw6fKaOKKlI5eP2_guW4uZxD0X7tmKvRqA23rwWFvt=
vYYHNUD5IbCt6YpuYcz6jOOk5xkEbaOLWUJmzutp1jKLfOjKSGoLBxY5u1o2OkMmLjb-Cp2OJ9c=
5EBJ12tD35VcssY" target=3D"_blank" alias=3D"facebook" style=3D"color: #1F63=
D2; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze-=
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4c647b15/original.png=3F1710974041" border=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 !important; outline: none; text-d=
ecoration: none; -ms-interpolation-mode: bicubic; padding: 0px; border-widt=
h: 0;"></a></td>=0D=0A                    <td align=3D"center" valign=3D"mi=
ddle" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=3D"http=
s://link.upgrade.com/f/a/Zpvrf9ShDMXeA9gaKWj7Wg~~/AAQRxRA~/sS52UQAnAEw7PNxg=
gVa-h5UXmVgZu8KFiK6neghXn0dRH2S3l2rH_1cS78u5JFl0f8HgVko9yxo1aqEN9VYqIQzKbvI=
D9dePMRHeSrED6BJYq3hO-hDFokWXOEwSPYgxkf64eh8KR2cpnqLMbhw_Sbx28LcJfzcqGZS18i=
39SOPshB4p5jhzOjY_rgedVD2UBkbh4Ypl7cbxmHVymch40awnVu2RG5SmrN0k6UAZUkBEsJRhn=
bbBzQeYL268LLxq" target=3D"_blank" alias=3D"instagram" style=3D"color: #1F6=
3D2; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://braze=
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04c62621d/original.png=3F1710974041" border=3D"0" alt=3D"instagram" title=
=3D"instagram" width=3D"24" height=3D"auto" style=3D"text-align: center; wi=
dth: 24px; height: auto; image-rendering: auto !important; outline: none; t=
ext-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; border=
-width: 0;"></a></td>=0D=0A                    <td align=3D"center" valign=
=3D"middle" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a href=
=3D"https://link.upgrade.com/f/a/v61DF9fI4D4M2xIHRIrfWw~~/AAQRxRA~/ivnPpjSq=
bp-Kjvuxv_H_cxlUb1bV1yEx120lPr3hmvuVTnx0z-u7FIIoatUjYS7VBM7RlXBIXHfHgpUz8cN=
JNXY_HUpPBVfQEvzyjJH-5UruGsglQ1ZESqffV2A85jJaJkS5y6qcIU9qO5koo-lollw6ctXjgv=
-7UqCaYhrlzC-_RVQI9JShfInKOEnUlGnxpSru1uCVD_b6IOUCGkXPjf9DG-RLQmDBRJNkrJD_n=
nl84dZvgQgcDlhaF6zrSBno" target=3D"_blank" alias=3D"blog" style=3D"color: #=
1F63D2; text-decoration: underline; mso-line-height-rule: exactly; -ms-text=
-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https://br=
aze-images.com/appboy/communication/assets/image_assets/images/65fb64591720=
62004de47b44/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 !important; outline: none; text-decor=
ation: none; -ms-interpolation-mode: bicubic; padding: 0px; border-width: 0=
;"></a></td>=0D=0A                  </tr>=0D=0A              </tbody>=0D=0A=
              </table></td>=0D=0A          </tr>=0D=0A            <tr>=0D=
=0A            <td class=3D"body3" style=3D"font-weight: 500; font-family: =
Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16px; color=
: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"center">Please =
do not reply directly to this message as it was sent from an unattended mai=
lbox. </td>=0D=0A          </tr>=0D=0A            <tr>=0D=0A            <td=
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, Arial, serif; font-size: 12px; line-height: 16px; color: #686C78; mso-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%; padding: 5px 0px 0px;" align=3D"center">This email contains advert=
ising content and was sent to <a class=3D"body3" href=3D"#" style=3D"text-d=
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height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust:=
 100%;" alias=3D"user_email">info@sterlingcal.com</a> based on your communi=
cation preferences. </td>=0D=0A          </tr>=0D=0A            <tr>=0D=0A =
           <td class=3D"body3" style=3D"font-family: Graphik, Helvetica, Ar=
ial, serif; font-size: 12px; line-height: 16px; color: #686C78; mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
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gDoxHUIxI4Jn06yQCE0JvANLu44Uznp9eW1nH5aOs_gecm28LvH6YLqOjsmPHpyyAPiWF9iDtEc=
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yVKP_n3XPS1jtwa-PRLWe49dLy3ZFUzJIm-TZml1zA7nYX2-Hbs2T02M50Zk0bs_5PAQLLwxcI0=
pyMorGO4jpmQdwq5oCHxuMhe7-hC1Kend0llR3yWPbOz2MM6lK2Bjb4OddSRdkw7DCQzF1buLYQ=
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t: 16px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">Unsubscribe</a> =0D=0A    or <a c=
lass=3D"body3" href=3D"https://link.upgrade.com/f/a/htR46RPLGEuWKORr3E33QQ~=
~/AAQRxRA~/vNbZjeeVpExGNzTFkNNI9lUnyznjYPDxby1XGc0CTCKexmLeaHLeg5FEK7PjXzsU=
_-kygh8qsn4am-1LnDnS80Fj_SwuEraVzbEBz4eiKsA2NiRJ8TH_pqewSSkqoqaT3Z8JH619tYi=
g8l2e9vajgrW7mxZYUH2_Sc7n_zgBdyCnZsc6kg_Z2S9fPL2hCUGOpSHAyagmnEEIzAVEP5rHrn=
vtbYs72OAOolZVKAml1lFJ6_5GqTFM_8C5hrWMR3udF8DGumTMKS1KpFx6iDK8MfNlS_KliF4WV=
OGf3hGbGDV8kW04vgAdxNktY_c7-92dO7UHjR-4XPd-znZAhSU1OxIkUfa7kuUxME2--bi4qX-_=
YVWB7v5bteEOQfQILdD62lK6Ei_576a2rIXNKSIcI5T3qRD1JRkHMAi1Tiwz56q-5k2fYtgJlzN=
IiLbA2ZPAkErv2FvH00_fKJ9YuZ2vh_UQLVQ9kenPxkldDV4QngIrEkZYpfVQBUbfYKeE9Zirv9=
UaxPO-gI4l19Hx3mYF9bYOv4tIBXvKfpL9rOqcScpSlJBrX5jVOkRRofBIFaeL5REx_RSFldP8V=
r5vNIIKR1oSq1xPqX_IjmuQo2NsJYddGlkc0LYWhnWcq4QxOnWHuvJi2BRx_iwZETD_EopPVl6a=
EWYPeht64q90Hp-GpT8ikioVmOcRXE1hw4GOykdGf_xcG1EYHspxlvep7ehZYljQvzRt6iC5w15=
5cEVdQd_vlA3juH2cX3u1-MvI1q1rvraM5LzmF_yZmJvmdhcuEfNSkRlIY6eyIzMtrC_eTbIf5O=
_wsKgEaQ0a1u4Rd6Kx0g-W_mE9-bZVkkzz823Aj7IhkjHH33TxBFnLKEjMu85SY6pNBXXtEWHyC=
YnCclEkvMKm3RNP_g3BBhs5alVoFlKoRVE55P8ONaXDa07VW4QadFJnl2QWsbvurz4LYA3yZRja=
LrruPYI6T5VRpgWmGlpD6LsxXVpIQwsjZANLidzeQLCowh1sPhkkEFotpNJKDRn_sgqOSUJy5U5=
khXREYwoN-dydb6iDlcbaiO4ZfULYeBPUZVEX9k78Kj3Go27BtvzERVlqWCOuKKgHn2vSN91o6K=
rv1bbSfgQGdf31aNwamEi9pkq2xuevzlyXIcTYggKnbFIs1matlxtfm6uoY6PzB1_7QVRGcLf3X=
MMihyo~" alias=3D"Preference" style=3D"text-decoration: underline; vertical=
-align: top; display: inline-block; font-family: Graphik, Helvetica, Arial,=
 serif; font-size: 12px; line-height: 16px; color: #686C78; mso-line-height=
-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
">Update Preferences</a> </td>=0D=0A          </tr>=0D=0A            <tr>=
=0D=0A            <td class=3D"body3" style=3D"font-family: Graphik, Helvet=
ica, Arial, serif; font-size: 12px; line-height: 16px; color: #686C78; mso-=
line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%; padding: 10px 0px 0px;" align=3D"center"><table border=3D"0" ce=
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:=
 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-si=
ze-adjust: 100%; padding: 0px;"><img src=3D"https://braze-images.com/appboy=
/communication/assets/image_assets/images/64a74a9cc06c460050dbcfc2/original=
.png=3F1688685212" alt=3D"Upgrade" title=3D"Upgrade" border=3D"0" width=3D=
"120" height=3D"auto" style=3D"width: 120px; height: auto; image-rendering:=
 auto !important; 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 class=3D"body3" style=3D"font-f=
amily: Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16px=
; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center">=
Upgrade is located at 275 Battery Street, 23rd Floor, San Francisco, CA, 94=
111</td>=0D=0A          </tr>=0D=0A            <tr>=0D=0A            <td cl=
ass=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-=
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T8q5jpep9g4Axo~" style=3D"font-family: Graphik, Helvetica, Arial, sans-seri=
f; text-align: center; font-size: 20px; color: #00AF6A; text-decoration: no=
ne; mso-line-height-rule: 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/63=
348ce6db77c73d707010e4/original.png=3F1664388326" style=3D"outline: 0px; wi=
dth: 144px; height: auto; font-family: Graphik, Helvetica, Arial, sans-seri=
f; font-size: 24px; color: rgb(0, 175, 106); image-rendering: auto !importa=
nt; text-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; b=
order-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 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" 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%;" bgcolor=3D"#ffffff">=0D=0A        <t=
body>=0D=0A        <tr>=0D=0A          <td align=3D"center" style=3D"mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%; padding: 40px 0px 30px;"><table border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-l=
space: 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-height: 24px; color: #686C78=
; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-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: 32p=
x; color: #0E680E; font-weight: 500; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -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-family: Graphik, Helvetica, Arial, serif; font-size: 16px; =
line-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-=
size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 15px 0px 20px;"=
 align=3D"left">Just checking in to see if you=E2=80=99re still in the mark=
et for a  loan=3F It=E2=80=99s easy to check your rate again at Upgrade and=
 see what you qualify 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" wi=
dth=3D"515" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-si=
ze: 16px; line-height: 24px; color: #ffffff !important; mso-line-height-rul=
e: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; pad=
ding: 0px;">=0A<!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"center=
" class=3D"cta_table" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" styl=
e=3D"width: 275px; border-collapse: separate; -webkit-border-radius: 8px; -=
moz-border-radius: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; =
border: 2px solid #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A =
             <td height=3D"45" style=3D"height: 40px; color: #ffffff; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;" valign=3D"middle" align=3D"center"><a alias=3D"Check Your Rate"=
 href=3D"https://link.upgrade.com/f/a/bhlZeJgHfkB3n_kvmGya1Q~~/AAQRxRA~/4Ta=
Bhh1qLEa8ZZSCdBhU8NgWhNUT5DqmINKCmDbCxCXiNPBU5T2M5fBa21X_MXMVeZis9Ix1_T0RdW=
58_VJRrLHgGEtA4Md57dEA-RxDJdDFTKSiC1EqycsKFv4enW2a_0E3qE2TGQ9GV48ZVO-YZ2tBQ=
RhGSShWHVlEfuq3LQIIghV3Bs9e6gBeYn8afj8IBpIlOsnjmWXbQH1AVs8mLlQSIMjzlWoaidbJ=
XNPQK6ez5xY6NDM-i3bcH1DtCLTj" style=3D"display: inline-block; font-size: 16=
px; line-height: 24px; font-family: Graphik, Helvetica, Arial, sans-serif; =
font-weight: 500; color: #ffffff !important; text-decoration: none !importa=
nt; letter-spacing: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nb=
sp;&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, Ari=
al, serif; font-size: 16px; line-height: 24px; color: #686C78; mso-line-hei=
ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%; 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 what you qualify for.</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: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">Th=
ank 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      <!--CONTAC=
T US OR DOWNLOAD -->=0D=0A      <table border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lsp=
ace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%;">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A         =
   <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><table bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-c=
ollapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                <t=
body>=0D=0A                  <tr>=0D=0A                    <td class=3D"bod=
y1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px=
; line-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" align=
=3D"center">=0A<table class=3D"bg_strong" align=3D"center" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600px; bo=
rder-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 body1" style=3D"padding-to=
p: 25px; font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; li=
ne-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"center">If you h=
ave questions, we're here to help.=0D=0A    </td>=0D=0A  </tr>=0D=0A  <tr>=
=0D=0A    <td class=3D"mbl_text_cs body1" style=3D"font-family: Graphik, He=
lvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686C78; =
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%; padding: 3px 0px 25px;" align=3D"center">=0D=0A      <a hre=
f=3D"mailto:support@upgrade.com" style=3D"text-decoration: underline; verti=
cal-align: middle; display: inline-block; color: #1F63D2; mso-line-height-r=
ule: 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"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%;" bgco=
lor=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: 20px 0px 5px;"><tabl=
e border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 90%; bor=
der-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-t=
ext-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-siz=
e: 12px; line-height: 16px; color: #686C78; mso-line-height-rule: exactly; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0=
px 0px;" align=3D"left">=0A<sup style=3D"font-size: 8px; line-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% originatio=
n fee, which is deducted from the loan proceeds. Lowest rates require Autop=
ay and paying off a portion of existing debt directly. Loans feature repaym=
ent terms of 24 to 84 months. For example, if you receive a $10,000 loan wi=
th a 36-month term and a 17.59% APR (which includes a 13.94% yearly interes=
t rate and a 5% one-time origination fee), you would receive $9,500 in your=
 account and would have a required monthly payment of $341.48. Over the lif=
e of the loan, your payments would total $12,293.46. The APR on your loan m=
ay be higher or lower and your loan offers may not have multiple term lengt=
hs available. Actual rate depends on credit score, credit usage history, lo=
an term, and other factors. Late payments or subsequent charges and fees ma=
y 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-fami=
ly: Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16px; c=
olor: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -=
webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">Accep=
t your loan offer and your funds will be sent to your bank or designated ac=
count within one (1) business day of clearing necessary verifications. Avai=
lability of the funds is dependent on how quickly your bank processes the t=
ransaction. From the time of approval, funds sent directly to you should be=
 available within 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-famil=
y: Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16px; co=
lor: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">All lo=
ans, Personal Credit Lines, and checking and savings accounts are provided =
by Upgrade's <a href=3D"https://link.upgrade.com/f/a/6wgONvrMIv3tSO_hvjeU_w=
~~/AAQRxRA~/5xI0nxejzUPtXV2-NM7H7RuWpS4XY1VtaxQk9D9bQtCKG2JPSNgKx9ZuBGIaxWo=
EysmzBc1-Qsq_9gNCMydan9mjN5jP3fBadqXv7QgglLb7nm3L4X15cXyyqxe6LnoW" target=
=3D"_blank" style=3D"vertical-align: top; color: #1F63D2; text-decoration: =
underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%;">bank partners</a>. Upgrade Visa<sup style=3D"fo=
nt-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/6wgONvrMIv3tSO_hvjeU_w~~/AAQRxRA~/5xI0nxejzUPtXV2-NM7H=
7RuWpS4XY1VtaxQk9D9bQtCKG2JPSNgKx9ZuBGIaxWoEysmzBc1-Qsq_9gNCMydan9mjN5jP3fB=
adqXv7QgglLb7nm3L4X15cXyyqxe6LnoW" target=3D"_blank" style=3D"vertical-alig=
n: top; color: #1F63D2; text-decoration: underline; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank p=
artners</a>, pursuant to a license from Visa USA Inc. <br>=0A<br>=0AUpgrade=
, Inc. (NMLS #1548935) holds the following <a href=3D"https://link.upgrade.=
com/f/a/gNv7R25oTz86QGfXtf-4Bw~~/AAQRxRA~/KV0T4xQLCU54AA7MtDsZf9Vo0ME4LvpXS=
C4t7Wu-Uc-x8HgB3d0WleSbFKwopCKuQglDQCE2dxMf4IQTzfbjNyhNfnisEmNRUuyoWpmm6qpu=
LXGbDkpmXuD3sKfyv-8qHstgSp1bS1xJpDwyRVqZQszdnfq-t7Fcy2qVBkRmKDEqfhZo6SY-F-o=
OCIK6pjFdSxIwkiLIjX47tDeXWPh8CwrgSvwi2NuQVlo_j2qp1Nw~" target=3D"_blank" st=
yle=3D"vertical-align: top; color: #1F63D2; text-decoration: underline; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%;">state licenses</a> and does business under the following <a h=
ref=3D"https://link.upgrade.com/f/a/fq_RMr-o2Efpcy603vzrpg~~/AAQRxRA~/zwX-g=
NrpBcY_XsioWrlH0tsRlqTI4YP7RP-mgpjQUISEiUFADK76ruRRcj6G3yitzRCoDBqYzNrZqCSZ=
j069iUKDh14cQiv0kPR27po5LOX9chTeR_Wml8tb2OALl2nf" target=3D"_blank" style=
=3D"vertical-align: top; color: #1F63D2; text-decoration: underline; mso-li=
ne-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adju=
st: 100%;">DBAs</a>. <br>=0A<br>=0AUpgrade is a <a href=3D"https://link.upg=
rade.com/f/a/4Xu_jzLU0G2vCDT6M7MdDg~~/AAQRxRA~/12umKCywK9rr6JVxnmnlgKNo-tzc=
NdqxlPKPrfgyGiJBRL1phaIjt85ZFOKxIDw1N6DHqqkH8UosVO3rscvg0ePHopUQoVFq_0vtj2w=
Q4FwDj6VuuWCCC94eisJkpcZ8c8PRe1WLBYCaId7ay3kY971ZgdcfYB-seGpZBXOdkReHSi8a0o=
yPb5cXAtncwmea" target=3D"_blank" style=3D"vertical-align: top; color: #1F6=
3D2; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-si=
ze-adjust: 100%; -webkit-text-size-adjust: 100%;">financial technology comp=
any, not a bank</a>.=0D=0A                    </td>=0D=0A                  =
</tr>=0D=0A                  <tr>=0D=0A                    <td class=3D"bod=
y3" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 12px=
; line-height: 16px; color: #686C78; mso-line-height-rule: exactly; -ms-tex=
t-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;=
" align=3D"left">=0D=0A=0D=0A    <table align=3D"center" border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600px; bord=
er-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-te=
xt-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: 10=
0%; border-top-width: 1px; border-top-color: #cecece; border-top-style: sol=
id; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A      =
      <tr>=0D=0A            <td align=3D"center" style=3D"mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 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: ce=
nter; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0=
pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0p=
x;">=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-a=
djust: 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/e_pEvk9=
Du6Py6QfF6Fo-cQ~~/AAQRxRA~/sS52UQAnAEw7PNxggVa-h4wa1svyeXj1nGxCNEVbk7g5-QOa=
UQM0VkuFZGuyscoSPB9sAmTlXOOnWdIzXbjAmolzkzmdR_DDQYeE6qNoUtxHLEGLwOQLnNq4LFK=
6Uw6fKaOKKlI5eP2_guW4uZxD0X7tmKvRqA23rwWFvtvYYHNUD5IbCt6YpuYcz6jOOk5xkEbaOL=
WUJmzutp1jKLfOjKSGoLBxY5u1o2OkMmLjb-Cp2OJ9c5EBJ12tD35VcssY" target=3D"_blan=
k" alias=3D"facebook" style=3D"color: #1F63D2; text-decoration: underline; =
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/communication/=
assets/image_assets/images/65fb645920ede0004c647b15/original.png=3F17109740=
41" border=3D"0" alt=3D"facebook" title=3D"facebook" width=3D"24" height=3D=
"auto" style=3D"text-align: center; width: 24px; height: auto; image-render=
ing: auto !important; outline: none; text-decoration: none; -ms-interpolati=
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t-decoration: none; -ms-interpolation-mode: bicubic; border-width: 0;"></td=
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ing: 10px 0px 0px;" align=3D"center">Upgrade is located at 275 Battery Stre=
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=3D"https://link.upgrade.com/f/a/5OTdF6XleZmRpW_oY6HMeQ~~/AAQRxRA~/PUZvyKMA=
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ne-height: 16px; color: #686C78; mso-line-height-rule: exactly; -ms-text-si=
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sing Lender" title=3D"Equal Housing Lender" border=3D"0" width=3D"auto" hei=
ght=3D"18" style=3D"width: auto; height: 18px; image-rendering: auto !impor=
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