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Subject: What are you waiting for? Check your rate today 
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To: info@sterlingcal.com
Date: Thu, 03 Jul 2025 15:52:29 +0000
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Wipe out your credit card debt in as few as 36 months with a=0Apersonal loa=
n through Upgrade.=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A      Upgrade     96=0A(=
 https://link.upgrade.com/f/a/RExDgoxtcqCFNh4VTjTQFQ~~/AAQRxRA~/hoQjevGGlDM=
iXpVXkD63rwkSNHhtuQIhVyyqkQ_eGYrWl2nP_VTinfT1FXRrBH_1WubAB1BlrGCrPtH108wxRT=
G_hU_vgREBAy3gXGb1AM4~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0AHow mu=
ch could you save=3F   Did you know that only paying the=0Aminimum payment =
on your credit card each month can draw out your=0Arepayment for over a dec=
ade=3F With a personal loan (=0Ahttps://link.upgrade.com/f/a/2bwBZi10kOnKnf=
5U_WwIgw~~/AAQRxRA~/7gyCmXrJGShmphKAiWzaF6jeM6PE64s59wusKkTchHSe1U7aH1brc-l=
e2Rx5aqFRiRn27R4mfFjm5lOnZMQEMZHoTGpwOhX-KrWBKTnQV4eohGl-NximlYlifxeGjLf7Wu=
9efaztkqqqS3DGEi_0gA~~=3Futm_source=3Ddecl_old&utm_medium=3Demail&utm_campa=
ign=3Dsend04_b&utm_content=3Demail_link=0A) through Upgrade you can wipe ou=
t your credit card debt in as=0Afew as 36 months.  =0A=0A=0A=0ACheck Your R=
ate (=0Ahttps://link.upgrade.com/f/a/FUJqhVqTi383LJE9xaNZug~~/AAQRxRA~/F2ta=
Hlw2h8QYKBS-HR5xHYjRiQV1NXGOI2VQmVGen9axR5yvMPsV08AerZpJGeg-rmUHy-crw14V_T3=
E44N_enomjNtgZUBBgqrN1mpX54gjlVWuL9MeddBBUctuzS0E1_wjYajWjqjeaqEsZ45nh4ZycO=
en3CX62jv5JlxzhVrmWRuxhQxQBpiqsfi6hj-TForWPT3UvqBaaYQcFBh12H6g79gWJ5pjITQ_d=
tGWBPqmccaW4TeYK_1WrPpujgsv=0A)     =0A  It=E2=80=99s easy to check your ra=
te=0A=E2=80=94 click here (=0Ahttps://link.upgrade.com/f/a/2bwBZi10kOnKnf5U=
_WwIgw~~/AAQRxRA~/7gyCmXrJGShmphKAiWzaF6jeM6PE64s59wusKkTchHSe1U7aH1brc-le2=
Rx5aqFRiRn27R4mfFjm5lOnZMQEMZHoTGpwOhX-KrWBKTnQV4eohGl-NximlYlifxeGjLf7Wu9e=
faztkqqqS3DGEi_0gA~~=3Futm_source=3Ddecl_old&utm_medium=3Demail&utm_campaig=
n=3Dsend04_b&utm_content=3Demail_link=0A) to see how much you could save. W=
hen you check your rate, there=0Ais no obligation and no impact to your cre=
dit score.   Thank you,=0AThe Upgrade Team                  If you have que=
stions, we're=0Ahere to help.     support@upgrade.com                   1=
=0APersonal loans made through Upgrade feature Annual Percentage=0ARates (A=
PRs) of 7.99%-35.99%. All personal loans have a 1.85% to=0A9.99% originatio=
n fee, which is deducted from the loan proceeds.=0ALowest rates require Aut=
opay and paying off a portion of existing=0Adebt directly. Loans feature re=
payment terms of 24 to 84 months.=0AFor example, if you receive a $10,000 l=
oan with a 36-month term=0Aand a 17.59% APR (which includes a 13.94% yearly=
 interest rate=0Aand a 5% one-time origination fee), you would receive $9,5=
00 in=0Ayour account and would have a required monthly payment of=0A$341.48=
. Over the life of the loan, your payments would total=0A$12,293.46. The A=
PR on your loan may be higher or lower and your=0Aloan offers may not have =
multiple term lengths available. Actual=0Arate depends on credit score, cre=
dit usage history, loan term,=0Aand other factors. Late payments or subsequ=
ent charges and fees=0Amay increase the cost of your fixed rate loan. There=
 is no fee or=0Apenalty for repaying a loan early.    Accept your loan offe=
r and=0Ayour funds will be sent to your bank or designated account within=
=0Aone (1) business day of clearing necessary verifications.=0AAvailability=
 of the funds is dependent on how quickly your bank=0Aprocesses the transac=
tion. From the time of approval, funds sent=0Adirectly to you should be ava=
ilable within one (1) business day.=0AFunds sent directly to pay off your c=
reditors may take up to 2=0Aweeks to clear, depending on the creditor.    A=
ll loans, Personal=0ACredit Lines, and checking and savings accounts are pr=
ovided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/a/EtBF_Umy=
WJqIrXxKso-4OQ~~/AAQRxRA~/11fufKRIuVGyu7H2uyv-F6h3bU2phugUeFL4G3Cb0ACf4CmsZ=
9dcnT0nQOrJLkMa8R5-7RQKnTCn1D6HeL3L-5izfDfkIM1j0sLgjp9_WMk8kwcbT0qhstCwUDlk=
f4ZW ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are is=
sued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f/a/EtBF_Um=
yWJqIrXxKso-4OQ~~/AAQRxRA~/11fufKRIuVGyu7H2uyv-F6h3bU2phugUeFL4G3Cb0ACf4Cms=
Z9dcnT0nQOrJLkMa8R5-7RQKnTCn1D6HeL3L-5izfDfkIM1j0sLgjp9_WMk8kwcbT0qhstCwUDl=
kf4ZW ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NML=
S #1548935) holds the following state licenses=0A=0A( https://link.upgrade.=
com/f/a/5oebvhCHl07IrNOl149_OQ~~/AAQRxRA~/dQTP8iluF9BOCL47sI-g99R3GUnFsqm90=
rAR3dTspJWBRmKc9VtPPsBcB8G9YNX_R54fTm5Jky0sFBfKT69iFErRd2D5Xl8B-BCrzmmvzFsy=
nPo6cbFE5OMAR8uWmPG9bLkpPr14zZjyGa-nEr0lNhs5yPZc0w1iTuTo_35RNvfhbEnbJ_YB0NN=
mViIUtLqhv8eG8T3UrZohI1x172wz-VbBv11Q1uw3wMUDxSPzo7s~ )=0A and does busines=
s under the following DBAs =0A( https://link.upgrade.com/f/a/H7nafnuLJDkEeB=
ecB1VH5w~~/AAQRxRA~/a0xGuwX2VrWkZrNmeOYBwjS_GJCL1vQb5rwNzDLG6Oq4_zZgUCyqMH6=
OmHo8OwEt-xzPexQek05gxh6rLaW-EuTprE3p9e0VxazvZP_WPfANTWF1BLDE51E5sJeIilZF )=
.=0A=0AUpgrade is a financial technology company, not a bank =0A( https://=
link.upgrade.com/f/a/B5C4p9Ob4O9O-C7zIafddg~~/AAQRxRA~/pQhy1x62CUdlFQt6SS15=
PBANtj1vgaoQpvvqyw9szm_DxlXedrBtIT0bQuKfqEO0vlX2YoXpsQcDGuBZbtKzhRO-Y7fBDog=
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XdcO-ThUVfR3-6prLqBqxn )=0A.    =0A        facebook =0A( https://link.upgra=
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=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: #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:=
 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">=
How much could you save=3F</td>=0D=0A                </tr>=0D=0A           =
     <tr>=0D=0A                  <td class=3D"body1" style=3D"font-family: =
Graphik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color=
: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webk=
it-text-size-adjust: 100%; padding: 15px 0px 20px;" align=3D"left">Did you =
know that only paying the minimum payment on your credit card each month ca=
n draw out your repayment for over a decade=3F With a <a alias=3D"get start=
ed" href=3D"https://link.upgrade.com/f/a/oQi7yj2q0fBuDtNqc3zROA~~/AAQRxRA~/=
yEQTRvxBwKxaaX-vo49JQGHAcc1w9AMB1Ji8nDqZHeaSPFqxLDNF0mq2DHy1d-LTTfB0SJkcNxy=
kejrhaZn6eG75UoXyO_j8mXSsDN8n3iZXZju8FVaSTQNQEqxuXoAZBiz8XMU-gOY4Ub_FFI5Am6=
zE2Q0Pihe4eddupE2wRHYGPh4GVbm_YnS0hBiKw1NVHSDM9zg1qtMhWlj-52Yxb2MTbYzWIlv24=
jsKmso6i7alCehPuEq0AKuBfefVj003" style=3D"color: #1F63D2; display: inline-b=
lock; text-decoration: underline; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%;">personal loan</a> throug=
h Upgrade you can wipe out your credit card debt in as few as 36 months.</t=
d>=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-fam=
ily: Graphik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; =
color: #ffffff !important; mso-line-height-rule: exactly; -ms-text-size-adj=
ust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0A<!--/BUTTON ST=
ARTS HERE-->=0D=0A      <table align=3D"center" class=3D"cta_table" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 275px; border-co=
llapse: separate; -webkit-border-radius: 8px; -moz-border-radius: 8px; bord=
er-radius: 8px; mso-table-lspace: 0pt; mso-table-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"4=
5" style=3D"height: 40px; color: #ffffff; mso-line-height-rule: exactly; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign=3D"middle=
" align=3D"center"><a alias=3D"Check Your Rate" href=3D"https://link.upgrad=
e.com/f/a/FUJqhVqTi383LJE9xaNZug~~/AAQRxRA~/F2taHlw2h8QYKBS-HR5xHYjRiQV1NXG=
OI2VQmVGen9axR5yvMPsV08AerZpJGeg-rmUHy-crw14V_T3E44N_enomjNtgZUBBgqrN1mpX54=
gjlVWuL9MeddBBUctuzS0E1_wjYajWjqjeaqEsZ45nh4ZycOen3CX62jv5JlxzhVrmWRuxhQxQB=
piqsfi6hj-TForWPT3UvqBaaYQcFBh12H6g79gWJ5pjITQ_dtGWBPqmccaW4TeYK_1WrPpujgsv=
" style=3D"display: inline-block; font-size: 16px; line-height: 24px; font-=
family: Graphik, Helvetica, Arial, sans-serif; font-weight: 500; color: #ff=
ffff !important; text-decoration: none !important; letter-spacing: 0.5px; m=
so-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size=
-adjust: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->C=
heck 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; l=
ine-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px;" a=
lign=3D"left">It=E2=80=99s easy to check your rate =E2=80=94 <a alias=3D"ge=
t started" href=3D"https://link.upgrade.com/f/a/oQi7yj2q0fBuDtNqc3zROA~~/AA=
QRxRA~/yEQTRvxBwKxaaX-vo49JQGHAcc1w9AMB1Ji8nDqZHeaSPFqxLDNF0mq2DHy1d-LTTfB0=
SJkcNxykejrhaZn6eG75UoXyO_j8mXSsDN8n3iZXZju8FVaSTQNQEqxuXoAZBiz8XMU-gOY4Ub_=
FFI5Am6zE2Q0Pihe4eddupE2wRHYGPh4GVbm_YnS0hBiKw1NVHSDM9zg1qtMhWlj-52Yxb2MTbY=
zWIlv24jsKmso6i7alCehPuEq0AKuBfefVj003" style=3D"color: #1F63D2; display: i=
nline-block; text-decoration: underline; mso-line-height-rule: exactly; -ms=
-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">click here</a> to=
 see how much you could save. When you check your rate, there is no obligat=
ion and no impact to your credit score.</td>=0D=0A                </tr>=0D=
=0A              <tr>=0D=0A                <td class=3D"body1" style=3D"fon=
t-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-height: 2=
4px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -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              </tbody>=0D=0A            </table></td>=0D=
=0A        </tr>=0D=0A        </tbody>=0D=0A      </table>=0D=0A      <!--C=
ONTACT US OR DOWNLOAD -->=0D=0A      <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-tabl=
e-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%;">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A    =
        <td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><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%;">=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: #686C78; 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_strong" align=3D"center" border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600p=
x; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt;=
 -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#E=
AECF0">=0D=0A  <tr>=0D=0A    <td class=3D"mbl_text_cs body1" style=3D"paddi=
ng-top: 25px; font-family: Graphik, Helvetica, Arial, serif; font-size: 16p=
x; line-height: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-te=
xt-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=3D"center">If =
you have questions, we're here to help.=0D=0A    </td>=0D=0A  </tr>=0D=0A  =
<tr>=0D=0A    <td class=3D"mbl_text_cs 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: 3px 0px 25px;" align=3D"center">=0D=0A      <a=
 href=3D"mailto:support@upgrade.com" style=3D"text-decoration: underline; v=
ertical-align: middle; display: inline-block; color: #1F63D2; mso-line-heig=
ht-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%; border-collapse: collapse; mso-table-lspace: 0pt; mso-tabl=
e-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
 bgcolor=3D"#ffffff">=0D=0A        <tbody>=0D=0A          <tr>=0D=0A       =
     <td align=3D"center" style=3D"mso-line-height-rule: exactly; -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: 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 cl=
ass=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-=
size: 12px; line-height: 16px; color: #686C78; mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10p=
x 0px 0px;" align=3D"left">=0A<sup style=3D"font-size: 8px; line-height: 1;=
">1</sup> Personal loans made through Upgrade feature Annual Percentage Rat=
es (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origina=
tion fee, which is deducted from the loan proceeds. Lowest rates require Au=
topay and paying off a portion of existing debt directly. Loans feature rep=
ayment 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 13.94% yearly inte=
rest rate and a 5% one-time origination fee), you would receive $9,500 in y=
our 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 loa=
n may be higher or lower and your loan offers may not have multiple term le=
ngths available. Actual rate depends on credit score, credit usage history,=
 loan term, and other 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 loan early. </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"left">Ac=
cept your loan offer and your funds will be sent to your bank or designated=
 account within one (1) business day of clearing necessary verifications. A=
vailability of the funds is dependent on how quickly your bank processes th=
e transaction. From the time of approval, funds sent directly to you should=
 be available within one (1) business day. Funds sent directly to pay off y=
our 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-fa=
mily: 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"left">All=
 loans, Personal Credit Lines, and checking and savings accounts are provid=
ed by Upgrade's <a href=3D"https://link.upgrade.com/f/a/EtBF_UmyWJqIrXxKso-=
4OQ~~/AAQRxRA~/11fufKRIuVGyu7H2uyv-F6h3bU2phugUeFL4G3Cb0ACf4CmsZ9dcnT0nQOrJ=
LkMa8R5-7RQKnTCn1D6HeL3L-5izfDfkIM1j0sLgjp9_WMk8kwcbT0qhstCwUDlkf4ZW" targe=
t=3D"_blank" style=3D"vertical-align: top; color: #1F63D2; text-decoration:=
 underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -web=
kit-text-size-adjust: 100%;">bank partners</a>. Upgrade Visa<sup style=3D"f=
ont-size: 12px; line-height: 1; vertical-align: top;">=C2=AE</sup> Cards an=
d 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/EtBF_UmyWJqIrXxKso-4OQ~~/AAQRxRA~/11fufKRIuVGyu7H2uyv=
-F6h3bU2phugUeFL4G3Cb0ACf4CmsZ9dcnT0nQOrJLkMa8R5-7RQKnTCn1D6HeL3L-5izfDfkIM=
1j0sLgjp9_WMk8kwcbT0qhstCwUDlkf4ZW" target=3D"_blank" style=3D"vertical-ali=
gn: top; color: #1F63D2; text-decoration: underline; mso-line-height-rule: =
exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank =
partners</a>, pursuant to a license from Visa USA Inc. <br>=0A<br>=0AUpgrad=
e, Inc. (NMLS #1548935) holds the following <a href=3D"https://link.upgrade=
.com/f/a/5oebvhCHl07IrNOl149_OQ~~/AAQRxRA~/dQTP8iluF9BOCL47sI-g99R3GUnFsqm=
90rAR3dTspJWBRmKc9VtPPsBcB8G9YNX_R54fTm5Jky0sFBfKT69iFErRd2D5Xl8B-BCrzmmvzF=
synPo6cbFE5OMAR8uWmPG9bLkpPr14zZjyGa-nEr0lNhs5yPZc0w1iTuTo_35RNvfhbEnbJ_YB0=
NNmViIUtLqhv8eG8T3UrZohI1x172wz-VbBv11Q1uw3wMUDxSPzo7s~" target=3D"_blank" =
style=3D"vertical-align: top; color: #1F63D2; text-decoration: underline; m=
so-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/H7nafnuLJDkEeBecB1VH5w~~/AAQRxRA~/a0x=
GuwX2VrWkZrNmeOYBwjS_GJCL1vQb5rwNzDLG6Oq4_zZgUCyqMH6OmHo8OwEt-xzPexQek05gxh=
6rLaW-EuTprE3p9e0VxazvZP_WPfANTWF1BLDE51E5sJeIilZF" 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/B5C4p9Ob4O9O-C7zIafddg~~/AAQRxRA~/pQhy1x62CUdlFQt6SS15PBANtj1v=
gaoQpvvqyw9szm_DxlXedrBtIT0bQuKfqEO0vlX2YoXpsQcDGuBZbtKzhRO-Y7fBDogacCd2uSz=
b7wJFMvHAnBm_I0k32ZKXl0MHs_0QHqxSs8h3FP3GClUHHyB2z13XDuamcG5pK1psZRXdcO-ThU=
VfR3-6prLqBqxn" 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/q7OogTv=
hI7ajioDsjWYIKQ~~/AAQRxRA~/_Uq4pZGn4vfvu0TW7B1zpQlIg0W1utoJe_Rs-V-XKVcxDSZX=
BMX4MtI1NtNFWlBIykbrsDAm3Xiuuf57oVQXzpLmV07kNKiKrU1x_Q2vsay6nSxjiFIgUPVyxMH=
AkyIEGH_QuPTuRDUspbk7vFShWaZMqzMkZKIESoiZsu2JeWJh3cAAQomZrv1KW0-a-XeQ0LQgyY=
Aid9pKJ4KHKad4E-pAxLrfH4mrR9U2nvJNFLZqt3m5rMz3Y_l_g-JH4ZHD" 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=
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on-mode: bicubic; padding: 0px; border-width: 0;"></a></td>=0D=0A          =
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-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/gY27avk=
vKwYUCQJbsWYG2A~~/AAQRxRA~/_Uq4pZGn4vfvu0TW7B1zpU9hqM0LKAxy9_oeunuE44i7PBGD=
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e-adjust: 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/-ymD=
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st: 100%; -webkit-text-size-adjust: 100%;">Update Preferences</a> </td>=0D=
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tyle=3D"width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-=
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0%;">=0D=0A                <tbody>=0D=0A                <tr>=0D=0A         =
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g src=3D"https://braze-images.com/appboy/communication/assets/image_assets/=
images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" alt=3D"Upgrade" =
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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=
et, 23rd Floor, San Francisco, CA, 94111</td>=0D=0A          </tr>=0D=0A   =
         <tr>=0D=0A            <td class=3D"body3" style=3D"font-family: Gr=
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0px;" align=3D"center"><a class=3D"body3" alias=3D"cta3_txt_privacy" href=
=3D"https://link.upgrade.com/f/a/pssdTVTJaP-Pl9vPDWMRFw~~/AAQRxRA~/nTXNesrn=
ZjxGSMBZNrKxqe9u7_Lga7K9WibZS5EM6VJqMe9aB-6BOf0WlL9GFFCcxoCzlbv_mHx8L69Ztz3=
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derline; font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; li=
ne-height: 16px; color: #686C78; mso-line-height-rule: exactly; -ms-text-si=
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e-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;"><im=
g src=3D"https://braze-images.com/appboy/communication/assets/image_assets/=
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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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