Envelope-to: info@sterlingcal.com
Delivery-date: Sun, 20 Jul 2025 14:31:11 -0500
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <62.52.04057.4F34D786@i-0881c8ce7686e5f33.mta1vrest.sd.prd.sparkpost>
Subject: What are you waiting for? Check your rate today 
To: info@sterlingcal.com
Date: Sun, 20 Jul 2025 19:31:00 +0000
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Reply-To: noreply.email@upgrade.com

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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/UT4rKKhFaESGPYxc9hPN_w~~/AAQRxRA~/RljwmZRqws6=
83t8RS1omaZQfWwXaGTzpCwceMfoPeUwMR24LJPj-NQWbprBbXR2WfRF03rg6mjj_b7YJMneifR=
fjL6aJUhXQjHVjnOGigco~ )=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/nATfJkrw2_zgZO=
CI01KoEg~~/AAQRxRA~/s6mLD-daEKCiy_OiRBi-2aPnbAFjACfrCXADuwo-wBc7EtB23EF_rf7=
NG0VHYifU3fI5KRfu8UpeoAvZOMe1Uhe7x5aKtD8aTOdR3wZxjiW6g_-jR4b5puQNuUW-628hD4=
rCITrLAi517GW_QlYGWA~~=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/ZxuLdZ4ec9eK6clWX-a4tw~~/AAQRxRA~/6cBd=
SRZsekW1S8UeQ5wnJatQwYdf2vybSf7Ts942w6Uw_eAd0_QfsXWxF-tAhRvAEml8GEyHn_4ZCKw=
xml8u71igHsZ6b9w8CeNGl5nnyg47kxjLUABeOHtvYupm7cjD7UXTpNsVXPLjzDv1ZX2HdYKYjx=
bHX05hJDEOFe-5GdFJym5PqvqMrknnFk8r_yJ3Iofv07xvsJTsdQTiKLUdVKzNrO6Ff5qR7sH7g=
LOZav3scBi6ToT2kMLAA_brQOXs=0A)     =0A  It=E2=80=99s easy to check your ra=
te=0A=E2=80=94 click here (=0Ahttps://link.upgrade.com/f/a/nATfJkrw2_zgZOCI=
01KoEg~~/AAQRxRA~/s6mLD-daEKCiy_OiRBi-2aPnbAFjACfrCXADuwo-wBc7EtB23EF_rf7NG=
0VHYifU3fI5KRfu8UpeoAvZOMe1Uhe7x5aKtD8aTOdR3wZxjiW6g_-jR4b5puQNuUW-628hD4rC=
ITrLAi517GW_QlYGWA~~=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/ENlXrSU7=
UyUPaPwuRcLzwA~~/AAQRxRA~/RHJfWubZ6QMfKT4z0U9HfECPXuRSNpVv6Lky1lQQK10pqEF0C=
Ei1-j9S-mUvxCgqifeX0dZoDJ_xvvpb1VqxUWIeTMyZmVQni7KsFurom-JadhXypKEbGVzrcQBs=
s4gX ) . 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/ENlXrSU=
7UyUPaPwuRcLzwA~~/AAQRxRA~/RHJfWubZ6QMfKT4z0U9HfECPXuRSNpVv6Lky1lQQK10pqEF0=
CEi1-j9S-mUvxCgqifeX0dZoDJ_xvvpb1VqxUWIeTMyZmVQni7KsFurom-JadhXypKEbGVzrcQB=
ss4gX ), 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/9HqnVpgQqy_m3iGixf07lw~~/AAQRxRA~/lIhdQUMzBadWBqKJ-mOGEHG_TaGtvg7G-=
EhWobOoNOqsW1bRmXym4POWVhJvlvrg6Pkpk9F69g7pd_3fcJMKz_JBe0TZe3Bb9R7HJ-qRI45Z=
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UlUDsSWM7qLjzVRyistWqZOYp_5YDH_gag4EJeMss9ncDJRa33bA~ )=0A and does busines=
s under the following DBAs =0A( https://link.upgrade.com/f/a/-g-282lJLymsHP=
DeXj2U_A~~/AAQRxRA~/RXDlTnjx7cTsM_XOhFBZNWyAOnl4C3n1fP5BTVcTuqS0YmFzTu9wygj=
mAdjwCD4FX8Xr9KMvOtjsYajWKs9NotdqlOVqJ6v5XfHpg_hD9puKxIAOlRwxnqv0FTgXpfCa )=
.=0A=0AUpgrade is a financial technology company, not a bank =0A( https://=
link.upgrade.com/f/a/1nt7lYoXamWHpUFbcTqL0A~~/AAQRxRA~/e1v2cgKTBrNx9hM1r-2-=
A6ynxd2eRy0bLMaTyv8CPwMC46wE8V3dbSb26Ikxogbtica1wOoHsmn9WaLxUKj-qmNp-F3DQoA=
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Tvv9n4cVyX-u81XVU7XS7X )=0A.    =0A        facebook =0A( https://link.upgra=
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m0nwHpScNv-48n96V9UraUR1uyoOuhmNxM3CO6NrmbB4rSAMYVcoRA5HkzBYersmn11lYuYcSzt=
zL )=0A or Update Preferences (=0Ahttps://link.upgrade.com/f/a/LEUK0JOw8Mwf=
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lor:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow=
:hidden;">Wipe out your credit card debt in as few as 36 months with a pers=
onal loan through Upgrade.</div>=0A<div style=3D"display:none !important;vi=
sibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;ma=
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">&nbsp;</td>=0D=0A    </tr>=0D=0A  </tbody>=0D=0A</table>=0D=0A<!--ALL CON=
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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/UT4rKKhFaESGPYxc9hPN_w~~/AAQRxRA~/RljwmZRqws683t8RS1omaZQfWwXaGTzpCwceMfo=
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4/original.png=3F1664388326" style=3D"outline: 0px; width: 144px; height: a=
uto; font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 24px; c=
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tle=3D"logo" width=3D"144" class=3D"center"></a></td>=0A                   =
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=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:=
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     <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=
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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">=
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/2SxtmEeNWhoXOJDFDpJoMg~~/AAQRxRA~/=
oKttGEbyBDq0zlZHK9UJX7G2qHL_oQlpzzp2mzsoOtLmjXTj5VRoMXwecZr8T_aPjv03AE2OsBp=
sZ8kseA08qmvVb_IXs8VnSGu2RqAcxYkp3LlS9RZLCDemK4MmjpxOK1r-3VIxKcY_NI2kTkWFDd=
-iLdQWeSuDUstK9s7xC1-a5NoOLl3WmfbrJJ87xM8p__dkrSYWvNw0n1h-xXQzzj236rB6e1xGw=
Q8J8eGyo9ezyLXApb4Z84u84JqCy_yl" 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; =
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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/ZxuLdZ4ec9eK6clWX-a4tw~~/AAQRxRA~/6cBdSRZsekW1S8UeQ5wnJatQwYdf2vy=
bSf7Ts942w6Uw_eAd0_QfsXWxF-tAhRvAEml8GEyHn_4ZCKwxml8u71igHsZ6b9w8CeNGl5nnyg=
47kxjLUABeOHtvYupm7cjD7UXTpNsVXPLjzDv1ZX2HdYKYjxbHX05hJDEOFe-5GdFJym5PqvqMr=
knnFk8r_yJ3Iofv07xvsJTsdQTiKLUdVKzNrO6Ff5qR7sH7gLOZav3scBi6ToT2kMLAA_brQOXs=
" 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/2SxtmEeNWhoXOJDFDpJoMg~~/AA=
QRxRA~/oKttGEbyBDq0zlZHK9UJX7G2qHL_oQlpzzp2mzsoOtLmjXTj5VRoMXwecZr8T_aPjv03=
AE2OsBpsZ8kseA08qmvVb_IXs8VnSGu2RqAcxYkp3LlS9RZLCDemK4MmjpxOK1r-3VIxKcY_NI2=
kTkWFDd-iLdQWeSuDUstK9s7xC1-a5NoOLl3WmfbrJJ87xM8p__dkrSYWvNw0n1h-xXQzzj236r=
B6e1xGwQ8J8eGyo9ezyLXApb4Z84u84JqCy_yl" 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/ENlXrSU7UyUPaPwuRcL=
zwA~~/AAQRxRA~/RHJfWubZ6QMfKT4z0U9HfECPXuRSNpVv6Lky1lQQK10pqEF0CEi1-j9S-mUv=
xCgqifeX0dZoDJ_xvvpb1VqxUWIeTMyZmVQni7KsFurom-JadhXypKEbGVzrcQBss4gX" 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/ENlXrSU7UyUPaPwuRcLzwA~~/AAQRxRA~/RHJfWubZ6QMfKT4z0U9=
HfECPXuRSNpVv6Lky1lQQK10pqEF0CEi1-j9S-mUvxCgqifeX0dZoDJ_xvvpb1VqxUWIeTMyZmV=
Qni7KsFurom-JadhXypKEbGVzrcQBss4gX" 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/9HqnVpgQqy_m3iGixf07lw~~/AAQRxRA~/lIhdQUMzBadWBqKJ-mOGEHG_TaGtvg7=
G-EhWobOoNOqsW1bRmXym4POWVhJvlvrg6Pkpk9F69g7pd_3fcJMKz_JBe0TZe3Bb9R7HJ-qRI4=
5ZnPJSCVG4WCqy7TsnDQeYda1vCu_dTX4jiAdKnRWM6ebmB6cAndozqdTPfFSt2RGUcr0C3BUlX=
4ZUlUDsSWM7qLjzVRyistWqZOYp_5YDH_gag4EJeMss9ncDJRa33bA~" 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/-g-282lJLymsHPDeXj2U_A~~/AAQRxRA~/RXD=
lTnjx7cTsM_XOhFBZNWyAOnl4C3n1fP5BTVcTuqS0YmFzTu9wygjmAdjwCD4FX8Xr9KMvOtjsYa=
jWKs9NotdqlOVqJ6v5XfHpg_hD9puKxIAOlRwxnqv0FTgXpfCa" 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/1nt7lYoXamWHpUFbcTqL0A~~/AAQRxRA~/e1v2cgKTBrNx9hM1r-2-A6ynxd2e=
Ry0bLMaTyv8CPwMC46wE8V3dbSb26Ikxogbtica1wOoHsmn9WaLxUKj-qmNp-F3DQoAIwfU3Ttb=
andPN_km9oLznjbZiIaGIIUyMUpRrfECqYHVMjtCu31agaOv-zHqhUOTE1poC0AQyvrTvv9n4cV=
yX-u81XVU7XS7X" 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/qfY_JNf=
3fJezRUb-xMA6bg~~/AAQRxRA~/kYqNHKE9Dg3UDa7I5nb_gwZkzE0Enr-8My8bnYNkddva88tc=
4yNmTrgxvg3L4hkTD1FmM_aoWd4lkkRrda_RG1iHX-7bGhfgjxKc7BqCLM6pVgs09R5k5apJlKc=
0LC07BOYHSwt8aJeTBk_9Q1dssIZSV8clLZDox3K2ybmN87YJjjFlvU9apFWFJAIw_-urchfD_V=
Q7LBUqCROfs_uSE6T0aVZ7PDFXoynltt91qi6Zu9CaiSuTFTS4GSuff77Z" 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          =
          <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/DP9K2va=
zjW7b12oEzPO7hw~~/AAQRxRA~/kYqNHKE9Dg3UDa7I5nb_g14DHhqKC4-G8WmNa7vgelZaK3YS=
9K14aTFTACWgyJXxyz4nr20mpBCYmbaoEX9bRZWYV7zk2e1Ml2P_9Tqh74oPUBNYEa1vUYkZJFQ=
ZHEZ4vpP2lI2koJSsjSYlWHcLa1dOdCwjUgSd67Wvf3XD7chkJ6iTbPNwuKOy6GgE7ky0Y-06gb=
b-sL_qi-od37-nz-OVCwyzadbGSx7ACClpJjlx_yn3KqNbsWhgYjDVPvlO" target=3D"_blan=
k" alias=3D"instagram" style=3D"color: #1F63D2; text-decoration: underline;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;"><img src=3D"https://braze-images.com/appboy/communication=
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041" border=3D"0" alt=3D"instagram" title=3D"instagram" width=3D"24" height=
=3D"auto" style=3D"text-align: center; width: 24px; height: auto; image-ren=
dering: auto !important; outline: none; text-decoration: none; -ms-interpol=
ation-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-siz=
e-adjust: 100%; padding: 0px;"><a href=3D"https://link.upgrade.com/f/a/4aJO=
Qmb8ygi5gPCzmAhKNQ~~/AAQRxRA~/U7IjSJILdEtZS7XH9wqJsbTkLx59zzID26EOKudSzcuNn=
cLoDie-mZbyHKoMhGcOt8y8daEfu7pG4xr7TJs2K5Wi5K_fSkTfn8rZ9dtUSSD8Bs_S_R7D1NdL=
bXx8rmXbL4_GG_HeiWRZZEeSFne5Qf5wvHvm8lh0Wc2rC8UjGAlVLu-xRSEs-QlMX7uF-SUUaQh=
KbroUDPD9go2VvHOLP4-LYZ1aUfRJUnxUUEZ7w3Efrcj-XgUkCRlBCKxJkaLP" target=3D"_b=
lank" alias=3D"blog" style=3D"color: #1F63D2; text-decoration: underline; m=
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ssets/image_assets/images/65fb6459172062004de47b44/original.png=3F171097404=
1" border=3D"0" alt=3D"blog" title=3D"blog" width=3D"47" height=3D"auto" st=
yle=3D"text-align: center; width: 47px; height: auto; image-rendering: auto=
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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" styl=
e=3D"font-weight: 500; font-family: Graphik, Helvetica, Arial, serif; font-=
size: 12px; line-height: 16px; color: #686C78; mso-line-height-rule: exactl=
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eight: 16px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-a=
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images/683df3b900dece00850c7c37/original.png=3F1748890553" alt=3D"Equal Hou=
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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