Envelope-to: info@sterlingcal.com
Delivery-date: Tue, 22 Jul 2025 11:15:32 -0500
From: "Upgrade" <email@e.upgrade.com>
Message-ID: <4B.DA.50765.719BF786@i-04f35fffad71e9353.mta1vrest.sd.prd.sparkpost>
To: info@sterlingcal.com
Date: Tue, 22 Jul 2025 16:15:19 +0000
Content-Type: multipart/alternative; boundary="_----Big3IlZC7l61a4CT6ljplQ===_D7/DA-50765-719BF786"
MIME-Version: 1.0
Subject: Reset your finances
Reply-To: noreply.email@upgrade.com

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Check your rate and get started on your goals today=0A=0A=0A=0A=0A=0A=0A=0A=
=0A=0A=0A      Upgrade     96=0A( https://link.upgrade.com/f/a/5tNlHZm0cO6I=
P6hmYGhgAg~~/AAQRxRA~/FJDm1DzpsSRjaKECIEIXGCiW-PWGYBH6dhOMXvn7pqs4ww-kwrDBN=
B-OFlMpP0El1p47JLu0qSj_lmM91Ya9HfoWp7aOVUDvvpamYcPIZoM~ )=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/Vpr6iF_sIvdbvGEFNQvM8w~~/AAQRxRA~/uvJGY=
xhdU1QKq33buEEhgxRWHTECVLd2V1DHmhdgX07yEs2l3x42lsDwc5Jm5ToP1ih7JB0G00Gz6eBi=
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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/FeP-xarVCYYD7u98tjKZqg~~/AAQRxRA~/0fkxpr-f6z73mu=
fM-HaPY9qi4fSIpqT5W0gjR551MBT7Jpx_xg-O_ItLi3WF2uLplZKUkuS6jW9Ja92ZtJIg-2z7T=
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d-wow8GaXREFwsRnL=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.=0A=0AAccept your loan offer and your funds will be sent =
to your bank=0Aor designated account within one (1) business day of clearin=
g=0Anecessary verifications. Availability of the funds is dependent=0Aon ho=
w quickly your bank processes the transaction. From the time=0Aof approval,=
 funds sent directly to you should be available=0Awithin one (1) business d=
ay. Funds sent directly to pay off your=0Acreditors may take up to 2 weeks =
to clear, depending on the=0Acreditor.    All loans, Personal Credit Lines,=
 and checking and=0Asavings accounts are provided by Upgrade's bank partner=
s =0A( https://link.upgrade.com/f/a/meIyrXxBDtZv1DZ9ifZ_-Q~~/AAQRxRA~/OfaJX=
WbN7cTtbC6yolFe_S6C5n9KizkT3REKL1wUtbWK1EkPE6h3YjtCNJxYc2QkSK51Xl4u5M5FKcga=
w22RhTSXmPPzGL6K6BOXJGf6HS_5T9ZAk2bSfn418rorLo5C ). Upgrade Visa=C2=AE Card=
s and=0AUpgrade Visa=C2=AE Debit Cards are issued by Upgrade's bank partner=
s =0A( https://link.upgrade.com/f/a/meIyrXxBDtZv1DZ9ifZ_-Q~~/AAQRxRA~/OfaJX=
WbN7cTtbC6yolFe_S6C5n9KizkT3REKL1wUtbWK1EkPE6h3YjtCNJxYc2QkSK51Xl4u5M5FKcga=
w22RhTSXmPPzGL6K6BOXJGf6HS_5T9ZAk2bSfn418rorLo5C ), pursuant to a license=
=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935) holds the followin=
g state licenses=0A=0A( https://link.upgrade.com/f/a/E2dfLnYBo6ybRd42dyfogQ=
~~/AAQRxRA~/PlilimWy58CHPWRnKIsGRqDjgU39gXD933sFXTa8DWbEgFV7qt_Ub--ghQAzZdz=
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pNKXk1Ezk5amHfCDCuSN9A~ )=0A and does business under the following DBAs =0A=
( https://link.upgrade.com/f/a/2hRnYrQ_v3a9HHE-MMn6YA~~/AAQRxRA~/jazYBw6RKo=
cm5w9Jvk-0JZtYDhEfQndSYEr-3LYkDfMbA38x5Jl2zw_5fLkWIwMmtAM_kc_CI4rspRCv4pdDX=
gl-0hB42HSz0yob5VVXXxlXrV_tOdMqGPyhjSNFebY9 ).=0A=0AUpgrade is a financial =
technology company, not a bank =0A( https://link.upgrade.com/f/a/HKf4-WfC8J=
fv9uy7iSA5dA~~/AAQRxRA~/KuGtdWxzkV0vUWIs1VVuXIrnkGz_s0HUPugyrHoq3QH9vPZdgFw=
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 =0A        facebook =0A( https://link.upgrade.com/f/a/_qkPk1HHezcImCNk5VwS=
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B1b0dgkT1N )=0A blog =0A( https://link.upgrade.com/f/a/GACs58fA9CeKFB5obsv1=
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pgrade      Upgrade is=0Alocated at 275 Battery Street, 23rd Floor, San Fra=
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al Housing Lender=0A=0APL_ITA_DECL_OLD_S5
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ody>=0D=0A                          <tr>=0D=0A                            <=
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llpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: co=
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                        <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/=
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     </tr>=0A    </tbody>=0A  </table>=0A  <!-- X-250ok-CID: upgrade_pl_ita=
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<!--PRIMARY CONTENT-->=0D=0A      <table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-l=
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 <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">=
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/m3DKiHcCOVI2U=
p6ChbrRbA~~/AAQRxRA~/abh-IMPEXq7Yw8yGdPwNQHiwHghMTic-gByuQA2crd0_Hyegt7kuO2=
usVV3zwQVcX6eN4DiGqbSZGfNKVQUIaTN5Z41_r4YSIXLQVnJ1MNtgBvGOUnyAENr-SJBv_3Vio=
FSXA7HITVEkEntYjOrif1KePWxhFmQNT0f84Ncg00pYhJdQq-rV3D6NIDWavPj9LhICSGjzKyX-=
puBypzDi0HL72VMCOwF7RpV5iw47kynnMqI-4C77gjl1uN3cxXk7" 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=
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: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size=
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    <tr>=0D=0A              <td height=3D"45" style=3D"height: 40px; color:=
 #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/FeP-xarVCYYD7u98tjKZqg=
~~/AAQRxRA~/0fkxpr-f6z73mufM-HaPY9qi4fSIpqT5W0gjR551MBT7Jpx_xg-O_ItLi3WF2uL=
plZKUkuS6jW9Ja92ZtJIg-2z7TJnlkna0HZLrEDyxnn1A8iAHeGtjvyN_TaGElFIy3dWw8_yYqo=
Heo5GYVfhOQQcWHbmPF-cfSQUfn_2ILpjvOV912bUTsHnToT06y6lfChZ9ZvEoczQJlbHPZ9KpA=
_kYCT2rTsR8pdD0z6574ZBwFWAd-wow8GaXREFwsRnL" style=3D"display: inline-block=
; font-size: 16px; line-height: 24px; font-family: Graphik, Helvetica, Aria=
l, sans-serif; font-weight: 500; color: #ffffff !important; text-decoration=
: none !important; letter-spacing: 0.5px; mso-line-height-rule: exactly; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px;"><=
!--[if mso]>&nbsp;&nbsp;&nbsp;<![endif]-->Check Your Rate<!--[if mso]>&nbsp=
;&nbsp;&nbsp;<![endif]--></a></td>=0D=0A          </tr>=0D=0A      </table>=
=0D=0A  </td>=0D=0A</tr>=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A                <tr>=
=0D=0A                  <td class=3D"body1" style=3D"font-family: Graphik, =
Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686C78=
; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-s=
ize-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">We look forward to=
 helping you circle the date on your calendar that you=E2=80=99ll be debt f=
ree.</td>=0D=0A                </tr>=0D=0A              <tr>=0D=0A         =
       <td class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial,=
 serif; font-size: 16px; line-height: 24px; color: #686C78; mso-line-height=
-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;=
 padding: 20px 0px 0px;" align=3D"left">Thank you,<br>=0D=0A               =
   The Upgrade Team </td>=0D=0A              </tr>=0D=0A              </tbo=
dy>=0D=0A            </table></td>=0D=0A        </tr>=0D=0A        </tbody>=
=0D=0A      </table>=0D=0A      <!--CONTACT US OR DOWNLOAD -->=0D=0A      <=
table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%=
; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; =
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">=0D=0A        =
<tbody>=0D=0A          <tr>=0D=0A            <td align=3D"center" style=3D"=
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%; padding: 0px;"><table border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-table-lspa=
ce: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%;">=0D=0A                <tbody>=0D=0A                  <tr>=
=0D=0A                    <td class=3D"body1" style=3D"font-family: Graphik=
, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686C=
78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 0px;" align=3D"center">=0A<table class=3D"bg_s=
trong" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" st=
yle=3D"width: 100%; max-width: 600px; border-collapse: collapse; mso-table-=
lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%;" bgcolor=3D"#EAECF0">=0D=0A  <tr>=0D=0A    <td class=
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lvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686C78; =
mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-siz=
e-adjust: 100%;" align=3D"center">If you have questions, we're here to help=
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s body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; font-size:=
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25px;" align=3D"center">=0D=0A      <a href=3D"mailto:support@upgrade.com" =
style=3D"text-decoration: underline; vertical-align: middle; display: inlin=
e-block; color: #1F63D2; mso-line-height-rule: exactly; -ms-text-size-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">support@upgrade.com</a>=0D=0A    =
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                  </tr>=0D=0A                </tbody>=0D=0A              </=
table></td>=0D=0A          </tr>=0D=0A        </tbody>=0D=0A      </table>=
=0D=0A      <!--FOOTER STARTS HERE-->=0D=0A      <table border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-collapse: collap=
se; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0D=0A        <tbod=
y>=0D=0A          <tr>=0D=0A            <td align=3D"center" style=3D"mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%; padding: 20px 0px 5px;"><table border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" style=3D"width: 90%; border-collapse: collapse; mso-table-l=
space: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;">=0D=0A                <tbody>=0D=0A                  <=
tr>=0D=0A                    <td class=3D"body3" style=3D"font-family: Grap=
hik, Helvetica, Arial, serif; font-size: 12px; line-height: 16px; color: #6=
86C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">=0A<sup style=
=3D"font-size: 8px; line-height: 1;">1</sup> Personal loans made through Up=
grade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal =
loans have a 1.85% to 9.99% origination fee, which is deducted from the loa=
n proceeds. Lowest rates require Autopay and paying off a portion of existi=
ng debt directly. Loans feature repayment terms of 24 to 84 months. For exa=
mple, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (=
which includes a 13.94% yearly interest rate and a 5% one-time origination =
fee), you would receive $9,500 in your account and would have a required mo=
nthly payment of $341.48. Over the life of the loan, your payments would to=
tal $12,293.46. The APR on your loan may be higher or lower and your loan o=
ffers may not have multiple term lengths available. Actual rate depends on =
credit score, credit usage history, loan term, and other factors. Late paym=
ents or subsequent charges and fees may increase the cost of your fixed rat=
e loan. There is no fee or penalty for repaying a loan early.=0A </td>=0D=
=0A                  </tr>=0D=0A                  <tr>=0D=0A               =
     <td class=3D"body3" style=3D"font-family: Graphik, Helvetica, Arial, s=
erif; font-size: 12px; line-height: 16px; color: #686C78; mso-line-height-r=
ule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; p=
adding: 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 da=
y of clearing necessary verifications. Availability of the funds is depende=
nt on how quickly your bank processes the transaction. From the time of app=
roval, funds sent directly to you should be available within one (1) busine=
ss day. Funds sent directly to pay off your creditors may take up to 2 week=
s 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, seri=
f; font-size: 12px; line-height: 16px; color: #686C78; mso-line-height-rule=
: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padd=
ing: 10px 0px 0px;" align=3D"left">All loans, Personal Credit Lines, and ch=
ecking and savings accounts are provided by Upgrade's <a href=3D"https://li=
nk.upgrade.com/f/a/meIyrXxBDtZv1DZ9ifZ_-Q~~/AAQRxRA~/OfaJXWbN7cTtbC6yolFe_S=
6C5n9KizkT3REKL1wUtbWK1EkPE6h3YjtCNJxYc2QkSK51Xl4u5M5FKcgaw22RhTSXmPPzGL6K6=
BOXJGf6HS_5T9ZAk2bSfn418rorLo5C" target=3D"_blank" style=3D"vertical-align:=
 top; color: #1F63D2; text-decoration: underline; mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">bank par=
tners</a>. Upgrade Visa<sup style=3D"font-size: 12px; line-height: 1; verti=
cal-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/meIyrXxBDtZv1DZ=
9ifZ_-Q~~/AAQRxRA~/OfaJXWbN7cTtbC6yolFe_S6C5n9KizkT3REKL1wUtbWK1EkPE6h3YjtC=
NJxYc2QkSK51Xl4u5M5FKcgaw22RhTSXmPPzGL6K6BOXJGf6HS_5T9ZAk2bSfn418rorLo5C" t=
arget=3D"_blank" style=3D"vertical-align: top; color: #1F63D2; text-decorat=
ion: underline; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; =
-webkit-text-size-adjust: 100%;">bank partners</a>, pursuant to a license f=
rom Visa USA Inc. <br>=0A<br>=0AUpgrade, Inc. (NMLS #1548935) holds the fol=
lowing <a href=3D"https://link.upgrade.com/f/a/E2dfLnYBo6ybRd42dyfogQ~~/AAQ=
RxRA~/PlilimWy58CHPWRnKIsGRqDjgU39gXD933sFXTa8DWbEgFV7qt_Ub--ghQAzZdzIaBkAb=
uqpmjPYqRvXO0QLTtiswEOyT5TQFgtnt8pX2uMK3azdfy1dczgY5DOjNx8HjliZ0hCDvbKxeccf=
SJCJ-h6NHHkrtUNqdd2ZN8Be_hbtjqKTkjhcuWXjdyVTIaY4iSihXrsHWQONMvjBnz_hypNKXk1=
Ezk5amHfCDCuSN9A~" 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%;">state licenses</a> and=
 does business under the following <a href=3D"https://link.upgrade.com/f/a/=
2hRnYrQ_v3a9HHE-MMn6YA~~/AAQRxRA~/jazYBw6RKocm5w9Jvk-0JZtYDhEfQndSYEr-3LYkD=
fMbA38x5Jl2zw_5fLkWIwMmtAM_kc_CI4rspRCv4pdDXgl-0hB42HSz0yob5VVXXxlXrV_tOdMq=
GPyhjSNFebY9" 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%;">DBAs</a>. <br>=0A<br>=0AUpg=
rade is a <a href=3D"https://link.upgrade.com/f/a/HKf4-WfC8Jfv9uy7iSA5dA~~/=
AAQRxRA~/KuGtdWxzkV0vUWIs1VVuXIrnkGz_s0HUPugyrHoq3QH9vPZdgFwFcl6wERvbihnoOI=
bIqlbHKlOIsbQmKJN9hO0D7Xb_rrF1lhkp8vL22JV4LoaJAUtQWr1c2ElPifemIOfF7KoR4FKg3=
-fXJB00nYqTtQKNjTFS--LH3w-jrxWaFpYZjNlTOQd740WOCE-Z" target=3D"_blank" styl=
e=3D"vertical-align: top; color: #1F63D2; text-decoration: underline; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 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, H=
elvetica, Arial, serif; font-size: 12px; line-height: 16px; color: #686C78;=
 mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-si=
ze-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">=0D=0A=0D=0A    <ta=
ble align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=
=3D"width: 100%; max-width: 600px; 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  <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: 10px 0px 0px;"><table border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" style=3D"width: 100%; border-top-width: 1px; border-to=
p-color: #cecece; border-top-style: solid; border-collapse: collapse; mso-t=
able-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%;">=0D=0A            <tr>=0D=0A            <td alig=
n=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: =
100%; -webkit-text-size-adjust: 100%; padding: 20px 0px 0px;"><table class=
=3D"center" align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"=
0" width=3D"60%" style=3D"text-align: center; border-collapse: collapse; ms=
o-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -we=
bkit-text-size-adjust: 100%; padding: 0px;">=0D=0A                <tbody>=
=0D=0A                <tr>=0D=0A                    <td align=3D"center" va=
lign=3D"middle" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a hr=
ef=3D"https://link.upgrade.com/f/a/_qkPk1HHezcImCNk5VwSpA~~/AAQRxRA~/guXjTq=
C-H8tQLmXRzue-eOV_UkaD39uxPPL_zRxq7gMniXjZIZBNCuQO6nI1yEeH_GenY1RYWBYcPO2a5=
JHQht5z57t_La3YcbvW1RImD8VOGpWba_V6SxDslcGbGNL58WuFtGeAMOoO-QKqvEMMSHfc9ce1=
z-tKRJ2MY9yHQb5ID66lXAI2QrL4qAblqt6QCq-YQpjjZcUXKtzxaj4YlW4H3HVedwrrQbWcXTq=
0kRoqt5h72f5H13K53XwK-bU3" target=3D"_blank" alias=3D"facebook" style=3D"co=
lor: #1F63D2; text-decoration: underline; mso-line-height-rule: exactly; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"http=
s://braze-images.com/appboy/communication/assets/image_assets/images/65fb64=
5920ede0004c647b15/original.png=3F1710974041" border=3D"0" alt=3D"facebook"=
 title=3D"facebook" width=3D"24" height=3D"auto" style=3D"text-align: cente=
r; width: 24px; height: auto; image-rendering: auto !important; outline: no=
ne; text-decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; b=
order-width: 0;"></a></td>=0D=0A                    <td align=3D"center" va=
lign=3D"middle" width=3D"100" style=3D"mso-line-height-rule: exactly; -ms-t=
ext-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a hr=
ef=3D"https://link.upgrade.com/f/a/dNVGBLF4neLFcSL02SzeLg~~/AAQRxRA~/guXjTq=
C-H8tQLmXRzue-eAdWiXg_xpl1asBSYujTOoz0EoEOGsJIhdYAMQ9yiqck1J3K61xbvSkA9kSPq=
FroNy6-DOBOb-v5bhWZwDi9m484MeP48_Anxv6yEPeOCruJZAiobVsYVaiRTedJM2YsLrjE0AeV=
l2LhvoNPPf6EGMoBFYBNuKwd1qnnwKxBoX05AtNa_ZOOawqSh_MKNo-7gbruxmvimGB6hbcB4fJ=
tn4A8mrzZhkOHkBB1b0dgkT1N" target=3D"_blank" alias=3D"instagram" style=3D"c=
olor: #1F63D2; text-decoration: underline; mso-line-height-rule: exactly; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"htt=
ps://braze-images.com/appboy/communication/assets/image_assets/images/65fb6=
4594f39dd004c62621d/original.png=3F1710974041" border=3D"0" alt=3D"instagra=
m" title=3D"instagram" width=3D"24" height=3D"auto" style=3D"text-align: ce=
nter; width: 24px; height: auto; image-rendering: auto !important; outline:=
 none; text-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; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><a=
 href=3D"https://link.upgrade.com/f/a/GACs58fA9CeKFB5obsv1JA~~/AAQRxRA~/Ip3=
UwSAS_ujVN5vfihlQhiB__ZH-ZygN-CSdf1UxWyc_7vWLN3mYMwLtILCZqqYX8Ly9NgHzdvTtwk=
a8y1gmPwhH9Qoki0ghOk68W3-GH4oAJCJMnSIu91ZHpLzJkNRyaptcZoa49ySpTOFaNYzX-K7_y=
mOGzyGNYsIg3nXO34T125lw1P7c3ql4IxrzZ92HFb0_Uy3dYsjuFEprGkqeiMycZEA3iVszi-vu=
UemtB3lrNeuBW8dhDYrpPGYHZrAb" target=3D"_blank" alias=3D"blog" style=3D"col=
or: #1F63D2; text-decoration: underline; mso-line-height-rule: exactly; -ms=
-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img src=3D"https=
://braze-images.com/appboy/communication/assets/image_assets/images/65fb645=
9172062004de47b44/original.png=3F1710974041" border=3D"0" alt=3D"blog" titl=
e=3D"blog" width=3D"47" height=3D"auto" style=3D"text-align: center; width:=
 47px; height: auto; image-rendering: auto !important; outline: none; text-=
decoration: none; -ms-interpolation-mode: bicubic; padding: 0px; border-wid=
th: 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-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: 15px 0px 0px;" align=3D"center">Ple=
ase do not reply directly to this message as it was sent from an unattended=
 mailbox. </td>=0D=0A          </tr>=0D=0A            <tr>=0D=0A           =
 <td class=3D"body3" style=3D"font-weight: 500; font-family: Graphik, Helve=
tica, Arial, serif; font-size: 12px; line-height: 16px; color: #686C78; mso=
-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-a=
djust: 100%; padding: 5px 0px 0px;" align=3D"center">This email contains ad=
vertising content and was sent to <a class=3D"body3" href=3D"#" style=3D"te=
xt-decoration: none; cursor: none !important; font-family: Graphik, Helveti=
ca, Arial, serif; font-size: 12px; line-height: 16px; color: #686C78; mso-l=
ine-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adj=
ust: 100%;" alias=3D"user_email">info@sterlingcal.com</a> based on your com=
munication preferences. </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-lin=
e-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjus=
t: 100%; padding: 10px 0px 0px;" align=3D"center">No longer want to receive=
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vD0vVr4IIDifltBs-bFg~~/AAQRxRA~/fUtjIkUnSP4g6sIqh-PVVrFQr_cahdEsT2G5ZvXB7OB=
ir3p65VIcnGAlGVvs0U79duVXXxxckBcV8XODZqKSdXXmSYhKsiYHoaRDdVvUhC9n2eBY1o0vZQ=
Kk4xmY1ondAYWnuRZ0N77Rr27WEVSvh4h7_WvQICRA3NmzCbrX-PnaE2wY51jWRqUYkighNXh4o=
ecRLqMeW5QZrwHWWgMty7IV1VPi9LLw9xUOpzMajBWqPuoA8A7ph_q_cNZFNto9hH3ypg1DkUGJ=
XrkNMq1nnJQl6Pu9L83DEV2uq6YLZTsfDCF3X8UERZN9u-FBi3cLRyr2tspaCl5xKCKKXTrbpdN=
u_lCQn7n1hmhY3ce3rmAeC2g5WIHroEr_ifS1a7ledKkVsW6qmnXqoCjhYk9OL-YjYllCaSLuur=
Kp_3TjcSH3OKB7lABQ5iv81xdrbiYOv-2xyB6W4EalJ826-w_u9yxVCxjK39Ldvew_9bhkHiNnT=
CVcAW24rv2lzcr3uUqmA1m6W3VjniQdoV0MjhbIuuFu2inIuBoL9_2AuG6tpuR450-R5soiD69l=
1A7VF_2Bg5Qtg3-IAzPJ4FeFQSQ9wZ0BklaABKyTWW49TGMNcKeq3ho2t3saZyG4juRguOCrnV5=
ye6Vg-ttHmXagR3m12yJDzvOGn1-UaAQuc2_Cx-MvHRbbvZ_9JxjsOqtfMvJgsmMel0jl74BMmG=
0jZYYrHrXxVtfLjNnsb8jOHRY4ZoN_-bOdL5GImhX6028YdrgP" alias=3D"Unsubscribe" s=
tyle=3D"text-decoration: underline; vertical-align: top; display: inline-bl=
ock; font-family: Graphik, Helvetica, Arial, serif; font-size: 12px; line-h=
eight: 16px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-a=
djust: 100%; -webkit-text-size-adjust: 100%;">Unsubscribe</a> =0D=0A    or =
<a class=3D"body3" href=3D"https://link.upgrade.com/f/a/hJrlw6zr0OxNjPWMzUF=
GLw~~/AAQRxRA~/vNp_a_dkPqH7CbVPUR5SwuVoUEgO4tCXsbI2aE3iCB4Yj-ETUJ-4ipj7Odxt=
bbDpup93oE7M4L-pBALnk4XFNXgGph_0Y4-fq658ryKlftppLgCky3Qdr4mJqNS4T6H5mI8b1_S=
rWtTwGOWO6lGDnNTQ_Swsm16lEYIJds95NW_qRmcbUTjlhb0-PonBBwDZ1ah7v84uTE9y54LmkF=
j9UIngcjAfFYUncRAsfMTBM2iR1XnxPAjVTUnqjr0FK_5FCW5ew0qE9oAmOwzD4tZCFPTW8IC3x=
xGMBTREcVmUCF5iM1VQcDiRXVYfkKRE3sESStz0-hzo-MFAp9br8gNFZ9kwFD3vNBba7prgBqtl=
QTvglfvC59UGjijwD4X1KC-1pnFmGZ22r95udYv_PypE0K4eRazXVVUBlUO06ZxZtrVF30QM_kl=
KoF1uT-RyHW4kR94VjbgauJXxQD1LvcrJjCWI5HdH5uDVtIxobBuq2gnoua70sZAPiWYZKrUpZ1=
A3me6WqS9Wsbx_zEVds2vqp5ON3PEYkNA5bQGdc6R6Q5QNlPX74_zXjSTCvuX-NWHkZH0S1WlHv=
7X-3BUR3fgQkoZqkHeXj41jPnz_svLpG_lIsMecNoF2PgB8lzpddtYvJsBBi03PloFMopH2czBP=
UefftQMKOxFXtG6SnMmGg2YQdh7dg8Oq1P61A2XnI1BoctHkaBEE47TNAMwA49fHI4xsimP6J8l=
xEKVtdZLPTeEp9OL4tSjZ0h4UCb_grsc_vAyDp7mJvWAgN5KXG6stCPgtzJkNeZIEsp1XfW3h90=
XPb6cNq4Z9osI0Z-lI7DHOV990bLVYudOo8T3iJKplx6ePTcWWxMQ8WkMQoiopT4-iqY9PvqQVh=
FIERNF--QXvOYNgVEZtBlBiEBsRWojNtWi4U1VjiLxwe-rpq1RSAVkD-_PpTxGgDPgM7Mj20pFn=
gRPBUINSzki2lKYX8cAu5ATSWMoIne95xCCWONX96Fy4qPmPJ0NThWz4HkbGZTfGpZhL5JHeP5T=
oY9R_kHeFEOsnnJ9PYwMdrzkhsBm02HaJtSuyv5Po0qXIpxvOCPOxp-6Kti4N1Ce84ML1S4FoRO=
ECDyUbSfUYiorfoObjjLqq195HbQLD6NPCO9WJYk6j8j9CkI0ZRFQwXW4VRqkJnGso7DoYF6Lf7=
DKPuqsxtcw~" alias=3D"Preference" style=3D"text-decoration: underline; vert=
ical-align: top; display: inline-block; font-family: Graphik, Helvetica, Ar=
ial, serif; font-size: 12px; line-height: 16px; color: #686C78; mso-line-he=
ight-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 1=
00%;">Update Preferences</a> </td>=0D=0A          </tr>=0D=0A            <t=
r>=0D=0A            <td class=3D"body3" style=3D"font-family: Graphik, Helv=
etica, Arial, serif; font-size: 12px; line-height: 16px; color: #686C78; ms=
o-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-=
adjust: 100%; padding: 10px 0px 0px;" align=3D"center"><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-adjus=
t: 100%; -webkit-text-size-adjust: 100%;">=0D=0A                <tbody>=0D=
=0A                <tr>=0D=0A                    <td align=3D"center" style=
=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%; padding: 0px;"><img src=3D"https://braze-images.com/app=
boy/communication/assets/image_assets/images/64a74a9cc06c460050dbcfc2/origi=
nal.png=3F1688685212" alt=3D"Upgrade" title=3D"Upgrade" border=3D"0" width=
=3D"120" height=3D"auto" style=3D"width: 120px; height: auto; image-renderi=
ng: auto !important; outline: none; text-decoration: none; -ms-interpolatio=
n-mode: 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-=
family: Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16p=
x; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center"=
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"middle" style=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%;"><a alias=3D"upgrade_logo" href=3D"https:=
//link.upgrade.com/f/a/5tNlHZm0cO6IP6hmYGhgAg~~/AAQRxRA~/FJDm1DzpsSRjaKECIE=
IXGCiW-PWGYBH6dhOMXvn7pqs4ww-kwrDBNB-OFlMpP0El1p47JLu0qSj_lmM91Ya9HfoWp7aOV=
UDvvpamYcPIZoM~" 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/FeP-xarVCYYD7u98tjKZqg~~/AAQRxRA~/0fk=
xpr-f6z73mufM-HaPY9qi4fSIpqT5W0gjR551MBT7Jpx_xg-O_ItLi3WF2uLplZKUkuS6jW9Ja9=
2ZtJIg-2z7TJnlkna0HZLrEDyxnn1A8iAHeGtjvyN_TaGElFIy3dWw8_yYqoHeo5GYVfhOQQcWH=
bmPF-cfSQUfn_2ILpjvOV912bUTsHnToT06y6lfChZ9ZvEoczQJlbHPZ9KpA_kYCT2rTsR8pdD0=
z6574ZBwFWAd-wow8GaXREFwsRnL" 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.=0A </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/meIyrXxBDtZv1DZ9ifZ=
_-Q~~/AAQRxRA~/OfaJXWbN7cTtbC6yolFe_S6C5n9KizkT3REKL1wUtbWK1EkPE6h3YjtCNJxY=
c2QkSK51Xl4u5M5FKcgaw22RhTSXmPPzGL6K6BOXJGf6HS_5T9ZAk2bSfn418rorLo5C" 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/meIyrXxBDtZv1DZ9ifZ_-Q~~/AAQRxRA~/OfaJXWbN7cTtbC6yolF=
e_S6C5n9KizkT3REKL1wUtbWK1EkPE6h3YjtCNJxYc2QkSK51Xl4u5M5FKcgaw22RhTSXmPPzGL=
6K6BOXJGf6HS_5T9ZAk2bSfn418rorLo5C" 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/E2dfLnYBo6ybRd42dyfogQ~~/AAQRxRA~/PlilimWy58CHPWRnKIsGRqDjgU39gXD=
933sFXTa8DWbEgFV7qt_Ub--ghQAzZdzIaBkAbuqpmjPYqRvXO0QLTtiswEOyT5TQFgtnt8pX2u=
MK3azdfy1dczgY5DOjNx8HjliZ0hCDvbKxeccfSJCJ-h6NHHkrtUNqdd2ZN8Be_hbtjqKTkjhcu=
WXjdyVTIaY4iSihXrsHWQONMvjBnz_hypNKXk1Ezk5amHfCDCuSN9A~" 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/2hRnYrQ_v3a9HHE-MMn6YA~~/AAQRxRA~/jaz=
YBw6RKocm5w9Jvk-0JZtYDhEfQndSYEr-3LYkDfMbA38x5Jl2zw_5fLkWIwMmtAM_kc_CI4rspR=
Cv4pdDXgl-0hB42HSz0yob5VVXXxlXrV_tOdMqGPyhjSNFebY9" 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/HKf4-WfC8Jfv9uy7iSA5dA~~/AAQRxRA~/KuGtdWxzkV0vUWIs1VVuXIrnkGz_=
s0HUPugyrHoq3QH9vPZdgFwFcl6wERvbihnoOIbIqlbHKlOIsbQmKJN9hO0D7Xb_rrF1lhkp8vL=
22JV4LoaJAUtQWr1c2ElPifemIOfF7KoR4FKg3-fXJB00nYqTtQKNjTFS--LH3w-jrxWaFpYZjN=
lTOQd740WOCE-Z" 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/_qkPk1H=
HezcImCNk5VwSpA~~/AAQRxRA~/guXjTqC-H8tQLmXRzue-eOV_UkaD39uxPPL_zRxq7gMniXjZ=
IZBNCuQO6nI1yEeH_GenY1RYWBYcPO2a5JHQht5z57t_La3YcbvW1RImD8VOGpWba_V6SxDslcG=
bGNL58WuFtGeAMOoO-QKqvEMMSHfc9ce1z-tKRJ2MY9yHQb5ID66lXAI2QrL4qAblqt6QCq-YQp=
jjZcUXKtzxaj4YlW4H3HVedwrrQbWcXTq0kRoqt5h72f5H13K53XwK-bU3" 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=
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-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><im=
g src=3D"https://braze-images.com/appboy/communication/assets/image_assets/=
images/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" alt=3D"Upgrade" =
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: 120px; height: auto; image-rendering: auto !important; outline: none; tex=
t-decoration: none; -ms-interpolation-mode: bicubic; border-width: 0;"></td=
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ing: 10px 0px 0px;" align=3D"center">Upgrade is located at 275 Battery Stre=
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         <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/F3sO6kbqff01dpRkhCZSTw~~/AAQRxRA~/4wzIrmj1=
p73fWJ6cFScwo6BihLVz5lUml9SLt6lGKH1WArQVPncwJ7wsFlOMXgzhdX6MYlXb7PvhfWvuI1X=
HDSV92aOW2qeRHpUtSszOrtylqGia5-zwUbFyZE8LtNIA" style=3D"text-decoration: un=
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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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