Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id cLYMBA21h2i1CQwAchKAPA (envelope-from ) for ; Mon, 28 Jul 2025 12:36:13 -0500 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Mon, 28 Jul 2025 12:36:13 -0500 Received: from bz1170.e.upgrade.com ([223.165.123.182]:13730) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1ugRlk-00000003KsH-1zvv for info@sterlingcal.com; Mon, 28 Jul 2025 12:36:13 -0500 X-MSFBL: jhu2Y/eerdAwmtYoYHSydzxN4XvL+BdrFa+zBrBZnxw=|eyJtZXNzYWdlX2lkIjo iNjg3ZjAwYjU4NzY4ZjYwMDMzNmMiLCJzdWJhY2NvdW50X2lkIjoiNTMzIiwiY3V zdG9tZXJfaWQiOiIyNjY2OTMiLCJ0ZW5hbnRfaWQiOiJzcGMiLCJyIjoiaW5mb0B zdGVybGluZ2NhbC5jb20ifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com; s=scph0422; t=1753724160; i=@e.upgrade.com; bh=2vizZQaO4leOnZwqvaMkx245jDH8Tv8BinXQM7MnLQ4=; h=From:Message-ID:List-Unsubscribe:List-Unsubscribe-Post:To:Date: Content-Type:Subject:From:To:Cc:Subject; b=lpy9Wbju4c/DNpkG6dEHqL/qLS+yzxLK59QdPKCNCfpeExiL72C9ZbLIrhkBq3nx1 Cumbq8CJm3bq0woujbNQLaOMxbPY2fJksMlwNsi+1dFNpraYbu8/uJhThioHrJ6DFk TPuJpQLbOmYqpkSuLOWSgYYytLj7q3uc/ObLbH68= Received: from [10.90.11.12] ([10.90.11.12]) by i-099bc8c29c3134f7e.mta1vrest.sd.prd.sparkpost (ecelerity 5.1.0.74560 r(msys-ecelerity:tags/5.1.0.2)) with REST id C6/33-32416-005B7886; Mon, 28 Jul 2025 17:36:00 +0000 From: "Upgrade" Message-ID: List-Unsubscribe: , List-Unsubscribe-Post: List-Unsubscribe=One-Click To: info@sterlingcal.com Date: Mon, 28 Jul 2025 17:36:00 +0000 Content-Type: multipart/alternative; boundary="_----MEgcthZaLjG9J+OReU/GUg===_25/33-32416-005B7886" MIME-Version: 1.0 Subject: =?utf-8?B?SXTigJlzIGJlZW4gYSB3aGlsZQ==?= Reply-To: noreply.email@upgrade.com X-Spam-Status: No, score=-3.3 X-Spam-Score: -32 X-Spam-Bar: --- X-Spam-Flag: NO --_----MEgcthZaLjG9J+OReU/GUg===_25/33-32416-005B7886 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset="UTF-8" =0A=0A=0A=0A=0A=0A=0A=0A=0A Upgrade 96=0AWe=E2=80=99re here to = help you with fixed rates and affordable payments.=0A=0A( https://link.upgr= ade.com/f/a/kg4uQAYVoehSVN7R34wzzQ~~/AAQRxRA~/ItV67u8miksQkXnGsIAKTJz0beZvt= OdrPcuzK2YRlPixGlhhMOAVArI4HYN-bL5bkR-AnKzkO2exD2oB1-fhsBKiUjUhL95X-nfY_3lu= YVA~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A Check Your Rate (=0Ahttps://l= ink.upgrade.com/f/a/lEV22Xi5TDzmCfIAW0THzQ~~/AAQRxRA~/skKbI0Qy_IhjXxhyGXPOD= xMwIgAGQU2W3nePOncNIbfPzVWMY18UE55UJapOjpaKf45fgFJRUTP0oi1taB4WOwCV3OpbltrE= WEClePmRy_i2WRqsyDL6JHaJ-qq0xGP9Mc_rLfycRMAQdHVK1kyIcw~~=3Futm_source=3Ddec= l_old&utm_medium=3Demail&utm_campaign=3Dre_eng_send01&utm_content=3Demail_m= h=0A)=0AHi,=0AIt=E2=80=99s been a while, but we wanted to remind you that U= pgrade is=0Ahere for you. With a fixed-rate personal loan, you can get the= =0Amoney you need sent directly to your account to use on whatever=0Ayou wa= nt. =0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.upgrade.com/f/a/2Rq7H7mO= y7t8CS1TGQMmMA~~/AAQRxRA~/jAleNWZiXCUY7o_PAHgiNy9QsrdVH3pQ2mH73ETZXjbPMqg9z= RnYmkjeZD0MHVeoxAG2pGdQOlbX8YhILncKdePyKmRcSL4PdyxBmPLrOzugl2UjnyNnnkzuIbpE= kF6VtuQxmuS0_BYzMcv_LTSZvwS9IhrEs4H27vwWg6bzoLGQCyHN9aPvAhGnWZnieKtV0xpmSf7= ZCI8_YG0jnRIK6UgSPMAoqi255XxBNlO8FMzu8sylQn3sN-ufhw0P4IHk=0A) =0A Cir= cumstances can change and=0Ayou may be surprised by what you qualify for. W= hy not check your=0Arate today and find out=3F Thanks,=0AThe Upgrade Team= If you have questions, we're here=0Ato help. support@upgr= ade.com Personal loans=0Amade through Upgrade feature Annual = Percentage Rates (APRs) of=0A7.99%-35.99% and a 1.85%-9.99% origination fee= , which is deducted=0Afrom the loan proceeds. Lowest rates require Autopay = and paying=0Aoff a portion of existing debt directly. For certain discounts= ,=0Acollateral may be required. Repayment terms from 24 to 84 months.=0AFor= example, if you receive a $10,000 unsecured loan with a=0A36-month term an= d a 17.59% APR (which includes a 13.94% yearly=0Ainterest rate and a 5% one= -time origination fee), you would=0Areceive $9,500 and would have a require= d monthly payment of=0A$341.48. Over the life of the loan, your payments wo= uld total=0A$12,293.46. The APR and other terms of your loan may vary and y= ou=0Amay not be presented with multiple offers. If offered, your loan=0Ater= ms, including your rate, will depend on credit score, credit=0Ausage histor= y, loan amount, and other factors. Late payments or=0Aother fees, as noted = in your Borrower Agreement, may increase the=0Acost of your fixed rate loan= . Certain loan offers may not be=0Aavailable in all states. All=0Aloans, = Personal Credit Lines, and checking and savings accounts=0Aare provided by = Upgrade's bank partners =0A( https://link.upgrade.com/f/a/VyUTGJgFqLH6DyC5A= atfOA~~/AAQRxRA~/WFTo-obuLVdzwD3iD0zpp9gNy2cGVyYWDxoBA8hlDwvVSO6bBYw-jMf5uT= mABpFdQbmwjLkCGMKfuFnaGVzgV_yUr3slg7OywzOvYrupvm8z16dzFSAGiKv1RJIy56ZF ). U= pgrade Visa=C2=AE Cards and=0AUpgrade Visa=C2=AE Debit Cards are issued by = Upgrade's bank partners =0A( https://link.upgrade.com/f/a/VyUTGJgFqLH6DyC5A= atfOA~~/AAQRxRA~/WFTo-obuLVdzwD3iD0zpp9gNy2cGVyYWDxoBA8hlDwvVSO6bBYw-jMf5uT= mABpFdQbmwjLkCGMKfuFnaGVzgV_yUr3slg7OywzOvYrupvm8z16dzFSAGiKv1RJIy56ZF ), p= ursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade, Inc. (NMLS #1548935= ) holds the following state licenses=0A=0A( https://link.upgrade.com/f/a/5T= XK1iHFmuEH5mCo1oh29A~~/AAQRxRA~/oEmna107Ww5R7-u3B-AaGVzwioNf9Npj2Krp5GH2aDt= kT2JbGLhUsJtsSBuJSdek1ijwGYwKAVbXOtpz7k8L8DoFYvoDrfzGEw-lkuWSmf_7kXRN4v8bNl= XyLTYobtxwy-Tr2A-3nQe0eAcTr-dw_eGaq2-qVvuWgfc2HFn41y5-ygR0dYWx4XzyNu8LgXnQZ= eVBvGWbTGG1woCpn4rNLGkkk1EgcWQTP5xO-hwAMMs~ )=0A and does business under th= e following DBAs =0A( https://link.upgrade.com/f/a/N0uJB2SHrw54yRIC7u2vLw~~= /AAQRxRA~/sNX1LSldGq0e-v1rlbtYD-N6FdxqZnU517i1TGSC6yiy16gUZ34rPyf-bdySow9-3= nPiXbdSeoKY_0QSUFQDW3XjmVnEQMN4o9N26BZ26DtE33z40y1sl1qV261PoksF ).=0A=0AUpg= rade is a financial technology company, not a bank =0A( https://link.upgrad= e.com/f/a/ru9cEiS7p3BATeSDxCZugw~~/AAQRxRA~/dHwooDs1TF7k37K4F62DQcGFCI16JHk= NZMtoBoBRKahGNSU8Vq3Av0G-kbiPUTQfsShdtO0IcVExfSPWugn73INoQzzyoskm3hKPIDHkiQ= vAQm-lhTSfZnvVtZMI95Mw71S4R8iQD8HlUZoxSzKprOJtIMmiQIW0WXZNp6mHgMgWK2P_svKl6= v8zcyLxnNho )=0A. =0A Accept your loan offer and=0Ayour funds will be sen= t to your bank or designated account within=0Aone (1) business day of clear= ing necessary verifications.=0AAvailability of the funds is dependent on ho= w quickly your bank=0Aprocesses the transaction. From the time of approval,= funds sent=0Adirectly to you should be available within one (1) business d= ay.=0AFunds sent directly to pay off your creditors may take up to 2=0Aweek= s to clear, depending on the creditor.=0A=0A facebook =0A( https://l= ink.upgrade.com/f/a/hzZOxZFEgZdJjXc1EV_MfA~~/AAQRxRA~/uABNhm59V2ncT6DjyQb0C= znJLJBNcpLuDbc8KAmQHMWHjJGJJ4Votm9mPujJ0IWfP-DcYn_Ex0qyaFfFiykEsEheqtKQgkuZ= Yc-Dmx5oYV8p8kiIyKv_2iYFGDsgmYQidi9s3EtR_Cr_jkuTHwCuXS1Kgw_wzrw_9GwJ1tow9SY= s3aq9IkWhfYsPCjLSrPcFp6f6yPHDp0HrK2i1HdZTsajp4d1EZdjTxUW1Xa3YReo5b4so-5SCZz= 1RpRUoyTk7 )=0A instagram =0A( https://link.upgrade.com/f/a/wgIo-6yq0nkXpiO= OMhmwrw~~/AAQRxRA~/uABNhm59V2ncT6DjyQb0CzPM3bVCWhVoIZV8eVvwc4KXUl0P8u5G_HjY= do9n8xkFn3NU0foYwmY6z_loFGJx73me-BK3yvqm18CcgHbSLacVYPHQk-ylePhZQz4KjXd0zC-= rNp0xiIAq8XAmBxg9JhH7qf_TuvFZIJNHk8O4-16vzglAMNPIA6wQivQo_Qzvxladuw2bDKJJet= bQwKMXbRJKnz8sqvCCQQvTMebL79ejIjWsPMcYR5z4DFt8eSlV )=0A blog =0A( https://l= ink.upgrade.com/f/a/Y_HU8b81djuPu26CmTMdWQ~~/AAQRxRA~/1X7_bM7a5oS7hrT8fLD15= OriMuGkgSS3bPr21_d5vv_rW1b9IGVWGTh2NGII4xhUDpQ84Oq-qX5ytEEpFee00bCnBZAvVbPc= K5Sxii_6IqOhRqO58jBafNRcTTyA1IoyDxR_efGw5tveX4cZtoV4Rf3Y8ClASlrv52kMF4Vp9Rx= KqHJAnWXdNRtX2SGptWMdykVd9WmDK_U-zSopKRMdoD797P_64pCGM8hfoJZ62HP1Zm7mBKTQBR= Ds4pFtiVCL )=0A Please do not reply directly to this message as it was= =0Asent from an unattended mailbox. 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All rights=0Areserved. Privacy Policy ( https://link.upgrade= .com/f/a/7tWEAQ9rSv9wM_kQW6vvIw~~/AAQRxRA~/x-q06HbAN4BvSlzGu6FmctsgkWhyC9X= rqdKBbv_2l1PyRscM7FTouooWzgx0HtEcYpV_COJyi0wZuVuskaxsM3bX-vyL7kDUjdoPkGg7dE= mjQKNeRNEQIf7yGn_N3RQq )=0A=0A Equal Housing Lender=0A PL_ITA_RE_S= 1_A --_----MEgcthZaLjG9J+OReU/GUg===_25/33-32416-005B7886 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="UTF-8" =0A=0A =0A =0A =0A =0A =0D=0A=0D=0A=0D=0A= =0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D= =0AUpgrade=0D=0A=0D=0A=0D= =0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A =0D=0A =0D= =0A =0D=0A =0D=0A
= We=E2=80=99re here to help you with fixed rates and affordable payments.=0D=0A
=0D=0A =0D=0A =0D=0A= =0D=0A=0D= =0A =0D=0A =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A
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=0A =0A =0A = =0A =0A =0A =0A =
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=0A =0A =0A =0A =0A =0A =0A =0A =0A =0A = =0A =0A =0A =0A =0A =0A =0A =0A =0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A =0D=0A=0D=0A=0D= =0A=0A =0A =0A =0A =0A =0A 		Check Yo= ur Rate
=0D=0A = =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A=0D= =0A=0D=0A=0D=0A=0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A =
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Hi,=0D=0A
It=E2=80=99s been a while, but we wanted to remind you that U= pgrade is here for you. With a fixed-rate personal loan, you can get the mo= ney you need sent directly to your account to use on whatever you want.=0D=0A
=0D=0A
Check Your Rate
=0D=0A
Circumstances can chang= e and you may be surprised by what you qualify for. Why not check your rate= today and find out=3F
Thanks,
=0D=0A = The Upgrade Team
=0D=0A =0D=0A =0D=0A =0D=0A <= !-- CONTACT MODULE STARTS HERE-->=0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A =0D=0A
=0D=0A =0D=0A =0D=0A= =0D=0A =0D=0A =0D=0A =0D=0A
If you have questions, we're here to help.=0D=0A
=0D=0A support@upgrade.com=0D=0A
=0D=0A
=0D=0A = =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A = =0D=0A =0D=0A =0D=0A
=0D=0A =0D=0A =0D= =0A =0D= =0A =0D=0A =0D=0A =0D=0A =0D=0A = =0D=0A =0D=0A = =0D=0A =0D=0A = =0D=0A =0D=0A
Personal loans made through Upgrade feature= Annual Percentage Rates (APRs) of 7.99%-35.99% and a 1.85%-9.99% originati= on fee, which is deducted from the loan proceeds. Lowest rates require Auto= pay and paying off a portion of existing debt directly. For certain discoun= ts, collateral may be required. Repayment terms from 24 to 84 months. For e= xample, if you receive a $10,000 unsecured 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 and would have a required monthl= y payment of $341.48. Over the life of the loan, your payments would total = $12,293.46. The APR and other terms of your loan may vary and you may not b= e presented with multiple offers. If offered, your loan terms, including yo= ur rate, will depend on credit score, credit usage history, loan amount, an= d other factors. Late payments or other fees, as noted in your Borrower Agr= eement, may increase the cost of your fixed rate loan. Certain loan offers = may not be available in all states. =0A All loans, Personal Credit Lines, = and checking and savings accounts are provided by Upgrade's bank partners. = Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Cards are issued by U= pgrade's bank partners, pursuant to a license from Visa USA Inc.
=0A<= br />=0AUpgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. =
=0A
=0AUpgrade is a financial technology company, not a bank.=0A=0A
Acc= ept your loan offer and your funds will be sent to your bank or designated = account within one (1) business day of clearing necessary verifications. Av= ailability 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 day. Funds sent directly to pay off yo= ur creditors may take up to 2 weeks to clear, depending on the creditor. =0D=0A
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