Envelope-to: info@sterlingcal.com
Delivery-date: Sat, 05 Jul 2025 14:25:35 -0500
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <E9.F5.01450.22C79686@i-003b1fd951a8e785d.mta1vrest.sd.prd.sparkpost>
To: info@sterlingcal.com
Date: Sat, 05 Jul 2025 19:25:22 +0000
Content-Type: multipart/alternative; boundary="_----9kRYbCVLb7OISeu7Im04ww===_B7/F5-01450-22C79686"
MIME-Version: 1.0
Subject: Reset your finances
Reply-To: noreply.email@upgrade.com

--_----9kRYbCVLb7OISeu7Im04ww===_B7/F5-01450-22C79686
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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/2HDqAgtl0OVk=
yO1QSfDPxg~~/AAQRxRA~/5kNOr9u_jMRBPcyUHpLXLi_HbW_T0R7DDkUkkbBI2gt5Fvp3anKqL=
RBULWzAXB0I-2qVcCgCMdckhWg99B2yEdwS57FZKOTVX6bEHQzOaCQ~ )=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/9y2t1gHUEsZl4NlNKasmIg~~/AAQRxRA~/j59Qf=
qs9ET2AvDL_IpQ_ZRyumW7dpeg3RKzCQ-ONiT2pyprhzqucHB0z-wP0_DXtmm2hese5_TK5nUPN=
Erd9MAKjk8MIcioHMPQ6cJUS2cHQaEoqgkDBGmfK3aWwaTi4gPF_vrOLhQ4Xlyi5-ZsjHA~~=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/BwjEKbrUuzd2cSOAFMvYjA~~/AAQRxRA~/F65YQ_m2LaOimV=
YqrXz6UzLl8UTzyByft4PJD2d0tF_KQLgWOnbH4co0DIaVsdHPe-wzBlnEduqt6_2kQbeKHgfow=
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4ce-KyI-Tn8vuHzc7NrZJnaWs-6vHoeldFyh11cm4vq9cqOZ3VcHDrvePgxBItlHtbaewqPmtpV=
t0NJ6UUJKwEXDrS3d=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/w0gN4kkO48fCQ9TZQenNLg~~/AAQRxRA~/9IyoABw=
tHUOJiPBLienUfdsGg0820ZMTLAn_DKAM3JkIpfV5hAAgQKwQ4oFZzOKmuJKylj6ehihtEahGZf=
aE_eGQarzfB-VBUNabsPFBvpYhVe3Q81xJ9ByQPZLpaFZ7 ) . 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/w0gN4kkO48fCQ9TZQenNLg~~/AAQRxRA~/9IyoAB=
wtHUOJiPBLienUfdsGg0820ZMTLAn_DKAM3JkIpfV5hAAgQKwQ4oFZzOKmuJKylj6ehihtEahGZ=
faE_eGQarzfB-VBUNabsPFBvpYhVe3Q81xJ9ByQPZLpaFZ7 ), 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/caIpRtURH9_inz8GYApC5A~~/=
AAQRxRA~/2MRrX7t5h6cF3B5xsFqhTX1Quc0MC3AbpMD-xKQ9iBwBTRyhDC3cKIplRkKnxNs76m=
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ml3oToO75E0x5nf4eVM~ )=0A and does business under the following DBAs =0A( h=
ttps://link.upgrade.com/f/a/HUQMvB4qHV1SRRyFz8PmAA~~/AAQRxRA~/WiyUIQj66bzsy=
rNaC126st8wJMAUlV48lzgMm8KKF_WDMza55zHrLr-cqm3tNcsrlkbTM5NKXZiRkfh6RbCtQGw2=
_Pv7TsHYpAdWb2V10ERl5V7tS6jv8DQtBTQ60RhE ).=0A=0AUpgrade is a financial tec=
hnology company, not a bank =0A( https://link.upgrade.com/f/a/8FUhQ4XYjhzeC=
csYh1C3AA~~/AAQRxRA~/U-fFndDv356H50aidh94rWTxyb0Tyqlonxmu4fYnP-_nh8XPRdlDw2=
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d9zvOME8KErCtbTLVGA-5q7Memg5BMck_QsT3CZc6Al_cn8Imha0vSS3UozX-jZ )=0A.    =
=0A        facebook =0A( https://link.upgrade.com/f/a/d4eb6TgKYE0g33TrvotyR=
g~~/AAQRxRA~/6rgT2wAWb0glulJ7-AhjwYMZEX3jfSsRLoFhUlm-84_qEFGc33X2NUoW7s27ob=
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v78oPCi74cxQFaGY6emxPidFZ7ritnGyMu-YMw3u8zaU )=0A instagram =0A( https://li=
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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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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=
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ng: 0px;" valign=3D"top"><table border=3D"0" cellpadding=3D"0" cellspacing=
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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/2HDqAgtl0OVkyO1QSfDPxg~~/AAQRxRA~/5kNOr9u_jMRBPcyUHpLXLi_HbW_T0R7DDkUkkbB=
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     </tr>=0A    </tbody>=0A  </table>=0A  <!-- X-250ok-CID: upgrade_pl_ita=
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ht: 1;">=0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =0A  =
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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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-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:=
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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=
; 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: #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/r3-7aWgMTP8wH=
jksdOBITA~~/AAQRxRA~/TSt0O1cA1eMdzuk-o61E4Dp0zrudld8Q7ydBLsa_lpqw4QBacmGm1g=
TAWd-_mb04VHo6dPbfFEMJjW8QoFjLeBJuRPvSE4Pyg5sL6PHmzUasLPqfennfLFCHnl3HdZYXX=
9Mgv7hfkxIURtnAW_qgLx8SFi5fZcf4BceSqVwXcmLOgwnYQDd_3OJxNZB_7f2lJ5gqW6jd6g5D=
Lbiadw4Rs_V88qjYF9cyvlo2zIFIPnWD53QSwiemEENl9fivPfFw" 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,=
 serif; font-size: 16px; line-height: 24px; color: #ffffff !important; mso-=
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=
-radius: 8px; -moz-border-radius: 8px; border-radius: 8px; mso-table-lspace=
: 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:=
 #ffffff; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webki=
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/BwjEKbrUuzd2cSOAFMvYjA=
~~/AAQRxRA~/F65YQ_m2LaOimVYqrXz6UzLl8UTzyByft4PJD2d0tF_KQLgWOnbH4co0DIaVsdH=
Pe-wzBlnEduqt6_2kQbeKHgfowOfjvTRVPLXEcUf1fTBUB9mfq4SwxbZwky8h6KI_3wyqj5uZb0=
yk4bIm93nhKUjYjd_n_NHqmSmK4ce-KyI-Tn8vuHzc7NrZJnaWs-6vHoeldFyh11cm4vq9cqOZ3=
VcHDrvePgxBItlHtbaewqPmtpVt0NJ6UUJKwEXDrS3d" 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=
=3D"mbl_text_cs body1" style=3D"padding-top: 25px; 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%;" 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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s-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; 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/w0gN4kkO48fCQ9TZQenNLg~~/AAQRxRA~/9IyoABwtHUOJiPBLienUfdsGg08=
20ZMTLAn_DKAM3JkIpfV5hAAgQKwQ4oFZzOKmuJKylj6ehihtEahGZfaE_eGQarzfB-VBUNabsP=
FBvpYhVe3Q81xJ9ByQPZLpaFZ7" 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/w0gN4kkO48fCQ9TZQenN=
Lg~~/AAQRxRA~/9IyoABwtHUOJiPBLienUfdsGg0820ZMTLAn_DKAM3JkIpfV5hAAgQKwQ4oFZz=
OKmuJKylj6ehihtEahGZfaE_eGQarzfB-VBUNabsPFBvpYhVe3Q81xJ9ByQPZLpaFZ7" 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/caIpRtURH9_inz8GYApC5A~~/AAQRxRA~=
/2MRrX7t5h6cF3B5xsFqhTX1Quc0MC3AbpMD-xKQ9iBwBTRyhDC3cKIplRkKnxNs76mAlMQBOeJ=
RjMEi_nVaSAahXGYlafyUV9DJ5Qfe7_5CKyYwvOI0IytFvXJuuywwYetr9rcXX9e-yq_UGcMqGX=
0o_83e21TFI8tGEsfo9DdMR1QS5yj92UDyg5J8V2PtWK_v-d3Ue-2a9Mrmn3NuAsjrkml3oToO7=
5E0x5nf4eVM~" 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/HUQMv=
B4qHV1SRRyFz8PmAA~~/AAQRxRA~/WiyUIQj66bzsyrNaC126st8wJMAUlV48lzgMm8KKF_WDMz=
a55zHrLr-cqm3tNcsrlkbTM5NKXZiRkfh6RbCtQGw2_Pv7TsHYpAdWb2V10ERl5V7tS6jv8DQtB=
TQ60RhE" 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/8FUhQ4XYjhzeCcsYh1C3AA~~/AAQRx=
RA~/U-fFndDv356H50aidh94rWTxyb0Tyqlonxmu4fYnP-_nh8XPRdlDw2gLkboK6JYjO4OXZoa=
ixPwRJyIGrMpi0QBMFbFwUct9pvg994JuB84ysQnLf0u77ij1CPpfNSkFRd9zvOME8KErCtbTLV=
GA-5q7Memg5BMck_QsT3CZc6Al_cn8Imha0vSS3UozX-jZ" 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/d4eb6TgKYE0g33TrvotyRg~~/AAQRxRA~/6rgT2wAWb0glulJ7=
-AhjwYMZEX3jfSsRLoFhUlm-84_qEFGc33X2NUoW7s27obbrZbxxyxBxy2SHDJAqYvT8ZIimhr8=
qdOPK-n8Yjs33XKj6XkWx-t2PGPXc-1c-2DHrzhKMIF4r_dXssqPmOQ8vS_sIw9swllJ4EtLKtF=
Jcy896-LM75aYip63PypB-TnWFYXR8qJR9DbdxkTfoaELVv78oPCi74cxQFaGY6emxPidFZ7rit=
nGyMu-YMw3u8zaU" target=3D"_blank" alias=3D"facebook" style=3D"color: #1F63=
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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: =
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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/qJ449ZUpCv5LQtQ9hE0nNw~~/AAQRxRA~/6rgT2wAWb0glulJ7=
-AhjwYWpLFYaz9FHY0I6lpEQh86aryS2pv5aE4iYoOLLOefKI6hLgEH_gmJj_Rfp9A7uhq0g94T=
yfA_v5b1_DSAcd9mYMtX1y3G1DdGWIUq9zv9dj6ZqOuoM8NIleKO_Ky3RKqbFAd2Juy5KAxYher=
sM_ID30ohjo4xUE6pxtl0T_eT40rD86tXJV-KUsW4jAUIGcPiBxVTQaQEobQe7Vnvc6lJUG0ldm=
taBkQLoTrH5VA9Y" target=3D"_blank" alias=3D"instagram" style=3D"color: #1F6=
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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/m_pwgIo8vjAh8Sent0clMQ~~/AAQRxRA~/y1NGVX0Y=
QHVkAzH87LqXM653miw-sjhS8T30ukkwI1xbf0hISaqHYeQAp9wyAKYoLvUyOrtTqS3QvhXQaxh=
xUGbO1E1Q5C16GL41ROXD-nlzWjAYe6VUPjTMkHc4od6pCIBxCESio6tfJ61QMu1g6Az_iri_Tn=
4qqFtGVK6luoL0ZnhM4GxtU-6G5kf8YSJW_NBNF3H7tPoJBpjmC4qvNO-rzwjQFF09COfI5N79r=
ehQWYn31sM1Y5ldQGnEHhXq" target=3D"_blank" alias=3D"blog" style=3D"color: #=
1F63D2; text-decoration: underline; mso-line-height-rule: exactly; -ms-text=
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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=
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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=
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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/Pd_eR1hqklZeusnQELtBVA~=
~/AAQRxRA~/BvTq55cR_YVVRHbsnyMc-SRZP5NjzcPQqxE1GaxkIHMO619VOaknujTwtq-wvQCP=
oCmp-OqxGWnI-Q0PqW1ELL0bRKJdkJnxip-OfPA1PC_f6W4sfa749ssBdTcch1lSaSv8tsQr8Yh=
yJcyGDw0o68HMWOWA4P6a3vvyq7Mc1p9iBcOqwdkjzEjxLEnWkPEBcG3tfzhSpvCI1S5HssyhcA=
HomplTqyYEo6msA_LEUTxy7EsvRfhqWd56difRrbGbi6nvaEUTo8tWxnWhHbmKgJ4hYS17T7KKm=
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W1PNXbwRXqUpP77SNKAuNE7aLDY40bvEu-x8vzQ9oDDSgGgFq-34ji1w_8sFerclLkGfRSYCCVl=
MjHtdcHSax-_Jsrf8ScTQxib89ddxXTIv13XsZJzo8Rko7aYK0PS2uhoJDPclxvj-fVgft7s2IB=
s1vJ3iu0UlLozcUgS5GRBUAQSg2oVXTBGYSOrWn-4YZcOyGl7rSxCrwms6uQSv2tv0TFNK668-s=
3kMNfuugJKRdHMh8aBADcpwQQRgROnwumif9f3aWyoZn9ofAWNwAkAMulJaVB4M7JTKm7fIjgsP=
ps68rMPwtEpUbzh4QOPcw8BvOSQO5pQezGkx8B0_T2dLgo4S8rLymiNo69E032xulPPYvMJeElV=
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Vn04tYQFGALVUjq70_J12ngDN9URuSyGDx7-UCR7CEy222YQOhtkX_0zWrWwuL5KDucsEfKUw6o=
AkZlv92FhnfmtP1PISjB14nyQ5TLIKnUqlsYLPevCyAJRtl_Caw4_KSttbPKIT2FE0HDq3a7AYT=
VZFa0hyAPwUb2rjVW0FFQa1TXoqROIWG9BHx3KZAXn4uMo-ZgE4GGS6yyWDEEWU_PnKW1JT--41=
hHuRouQWHyCyJuJ-BnjnMybEVwFt-H_bpqK_iVm0tgONEGzEr5FCe4PX01JboSGhmkux8RFPZOy=
-4Z7qeZEMVctdXmyTZxHRKVKyi9T2qrC8E8QS3DhjH9EXDZaRYUhzruwMtNgTY5RzEaaSL1Qo5Z=
_T1n_0~" 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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OTVX6bEHQzOaCQ~" 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/BwjEKbrUuzd2cSOAFMvYjA~~/AAQRxRA~/F65=
YQ_m2LaOimVYqrXz6UzLl8UTzyByft4PJD2d0tF_KQLgWOnbH4co0DIaVsdHPe-wzBlnEduqt6_=
2kQbeKHgfowOfjvTRVPLXEcUf1fTBUB9mfq4SwxbZwky8h6KI_3wyqj5uZb0yk4bIm93nhKUjYj=
d_n_NHqmSmK4ce-KyI-Tn8vuHzc7NrZJnaWs-6vHoeldFyh11cm4vq9cqOZ3VcHDrvePgxBItlH=
tbaewqPmtpVt0NJ6UUJKwEXDrS3d" 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/w0gN4kkO48fCQ9TZQenNLg=
~~/AAQRxRA~/9IyoABwtHUOJiPBLienUfdsGg0820ZMTLAn_DKAM3JkIpfV5hAAgQKwQ4oFZzOK=
muJKylj6ehihtEahGZfaE_eGQarzfB-VBUNabsPFBvpYhVe3Q81xJ9ByQPZLpaFZ7" 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/w0gN4kkO48fCQ9TZQenNLg~~/AAQRxRA~/9IyoABwtHUOJiPBLienU=
fdsGg0820ZMTLAn_DKAM3JkIpfV5hAAgQKwQ4oFZzOKmuJKylj6ehihtEahGZfaE_eGQarzfB-V=
BUNabsPFBvpYhVe3Q81xJ9ByQPZLpaFZ7" 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/caIpRtURH9_inz8GYApC5A~~/AAQRxRA~/2MRrX7t5h6cF3B5xsFqhTX1Quc0MC3Abp=
MD-xKQ9iBwBTRyhDC3cKIplRkKnxNs76mAlMQBOeJRjMEi_nVaSAahXGYlafyUV9DJ5Qfe7_5CK=
yYwvOI0IytFvXJuuywwYetr9rcXX9e-yq_UGcMqGX0o_83e21TFI8tGEsfo9DdMR1QS5yj92UDy=
g5J8V2PtWK_v-d3Ue-2a9Mrmn3NuAsjrkml3oToO75E0x5nf4eVM~" 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/HUQMvB4qHV1SRRyFz8PmAA~~/AAQRxRA~/WiyUI=
Qj66bzsyrNaC126st8wJMAUlV48lzgMm8KKF_WDMza55zHrLr-cqm3tNcsrlkbTM5NKXZiRkfh6=
RbCtQGw2_Pv7TsHYpAdWb2V10ERl5V7tS6jv8DQtBTQ60RhE" 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/8FUhQ4XYjhzeCcsYh1C3AA~~/AAQRxRA~/U-fFndDv356H50aidh94rWTxyb0T=
yqlonxmu4fYnP-_nh8XPRdlDw2gLkboK6JYjO4OXZoaixPwRJyIGrMpi0QBMFbFwUct9pvg994J=
uB84ysQnLf0u77ij1CPpfNSkFRd9zvOME8KErCtbTLVGA-5q7Memg5BMck_QsT3CZc6Al_cn8Im=
ha0vSS3UozX-jZ" 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/d4eb6Tg=
KYE0g33TrvotyRg~~/AAQRxRA~/6rgT2wAWb0glulJ7-AhjwYMZEX3jfSsRLoFhUlm-84_qEFGc=
33X2NUoW7s27obbrZbxxyxBxy2SHDJAqYvT8ZIimhr8qdOPK-n8Yjs33XKj6XkWx-t2PGPXc-1c=
-2DHrzhKMIF4r_dXssqPmOQ8vS_sIw9swllJ4EtLKtFJcy896-LM75aYip63PypB-TnWFYXR8qJ=
R9DbdxkTfoaELVv78oPCi74cxQFaGY6emxPidFZ7ritnGyMu-YMw3u8zaU" 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=
on-mode: bicubic; padding: 0px; border-width: 0;"></a></td>=0D=0A          =
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t-decoration: none; -ms-interpolation-mode: bicubic; border-width: 0;"></td=
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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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