Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id GG4PJAhG1GiphQoAchKAPA (envelope-from ) for ; Wed, 24 Sep 2025 14:27:04 -0500 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Wed, 24 Sep 2025 14:27:04 -0500 Received: from bz1170.e.upgrade.com ([223.165.123.182]:25119) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1v1V8p-00000002vaj-4BZJ for info@sterlingcal.com; Wed, 24 Sep 2025 14:27:04 -0500 X-MSFBL: PEO21WzunMxUukq3Zgov9uUuVYBKRSzgRLrIh+id7H4=|eyJyIjoiaW5mb0BzdGV ybGluZ2NhbC5jb20iLCJtZXNzYWdlX2lkIjoiNjhkNGZjNDVkNDY4NDcyODI2YWE iLCJzdWJhY2NvdW50X2lkIjoiNTMzIiwidGVuYW50X2lkIjoic3BjIiwiY3VzdG9 tZXJfaWQiOiIyNjY2OTMifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com; s=scph0422; t=1758742012; i=@e.upgrade.com; bh=PV+RQ4Nhm0aFPcKppszuiXHJOwyduk1f/Amov853J58=; h=From:Message-ID:List-Unsubscribe:List-Unsubscribe-Post:To:Date: Content-Type:Subject:From:To:Cc:Subject; b=VNLdVXo5C0uRWPQnF7lW+72ADcpK7n7wmkWjzUnh05jppgUT7CGRTIyt65fzX8+9T T9XmvS9Bw+BZb8CB9MD8yj2mpJ8f/eYby9XWW+x68fIo4xHM4lpATyzhbpPXsQkdaf C1oXFCpoF0HBBljSYzQ8Y3Y+bFNVIChEQQqX2D80= Received: from [10.90.19.3] ([10.90.19.3]) by i-0ec521ae98601c523.mta1vrest.sd.prd.sparkpost (ecelerity 5.1.0.74604 r(msys-ecelerity:tags/5.1.0.10)) with REST id AA/62-09826-CF544D86; Wed, 24 Sep 2025 19:26:52 +0000 From: "Upgrade" Message-ID: List-Unsubscribe: , List-Unsubscribe-Post: List-Unsubscribe=One-Click To: info@sterlingcal.com Date: Wed, 24 Sep 2025 19:26:52 +0000 Content-Type: multipart/alternative; boundary="_----WQz1kFATKqWfPZc3/9g0VA===_C7/62-09826-CF544D86" MIME-Version: 1.0 Subject: Reminder: Upgrade is still here to help Reply-To: noreply.email@upgrade.com X-Spam-Status: No, score=0.4 X-Spam-Score: 4 X-Spam-Bar: / X-Spam-Flag: NO --_----WQz1kFATKqWfPZc3/9g0VA===_C7/62-09826-CF544D86 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/cXZGoc8hfmAZtQyQ7fKO1A~~/AAQRxRA~/JvzB3PGbfP4IGrP7aHHXrm17tHIkl= Mrs9KNwAfPzlnHlFv04WZPn6asLAnIWme5uZPUT--I2P3nez5efs0K3H9WMV2KuakkdePIBUOXC= 0Nw~ )=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0ACheck = Your Rate (=0Ahttps://link.upgrade.com/f/a/lNDTXvjHpDALG2d27U6Yzg~~/AAQRxRA= ~/rvLGDJZOpaMd-AeUOESQs37PphlQxbR8sRG4dYfPmPm6dbtgh7tLzkuuBlIAsXeFy2KUinfaY= 4C4qMpfw8ifxOKIP7NNcUniNwMfcn0hikT4P0Oj_gHwD1nvRfjs4SJ9qi4SKC9q1NmuCmjA0Zsl= og~~=3Futm_source=3Ddecl_old&utm_medium=3Demail&utm_campaign=3Dre_eng_send0= 7&utm_content=3Demail_mh=0A)=0AHi,=0AIt=E2=80=99s been a while, but we want= ed to remind you that Upgrade is=0Ahere for you. With a fixed-rate personal= loan, you can get the=0Amoney you need sent directly to your account to us= e on whatever=0Ayou want. =0A=0A=0A=0ACheck Your Rate (=0Ahttps://link.up= grade.com/f/a/lD0sldl7qdAqvjXyoabDgQ~~/AAQRxRA~/9DBiTonxTOHoOB7VDDCgInqnYal= 8UVPpuT1RF2H02BzxuNnsmfExnlzZX0XzgLWhmT-9o44T18qkX0iosCvE7QPoBsQ7FLcny7MxU3= r9xoTJW6jtlaqIlP7Inx90FyWDMXWnbZwQyo1m3n4twtemEZf_LQp_HwFhBe93l-yUiNY4rTo6n= CjxHSEtOJRrOIIDK5TaHO6tTX1UDY0Bku-eBLUiqu7dnQjYv127CGMiKiZGRFmwYBtsfq0avAC0= krhs=0A) =0A Circumstances can change and=0Ayou may be surprised by w= hat you qualify for. Why not check your=0Arate today and find out=3F Than= ks,=0AThe Upgrade Team If you have questions, we're here=0Ato = help. support@upgrade.com Personal loans=0Amade through U= pgrade 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 wit= h a=0A36-month term and a 17.59% APR (which includes a 13.94% yearly=0Ainte= rest rate and a 5% one-time origination fee), you would=0Areceive $9,500 an= d 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 APR and other terms of yo= ur loan may vary and you=0Amay not be presented with multiple offers. If of= fered, your loan=0Aterms, including your rate, will depend on credit score,= credit=0Ausage history, 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 acco= unts=0Aare provided by Upgrade's bank partners =0A( https://link.upgrade.co= m/f/a/3tYnT1PcjZMW6C_NDxDkTA~~/AAQRxRA~/0TWyLXAvDUE60-FzXDecbjppUjX6IopWzS0= pnd9CHhORULwXDsn311kB95_RjR3HYXkW66rviPH3NG3zCAoeLgOuXIBayUL5Rx4gi1ZaEAnvKZ= kOX6LPI6aAP3VDAf8L ). Upgrade Visa=C2=AE Cards and=0AUpgrade Visa=C2=AE Deb= it Cards are issued by Upgrade's bank partners =0A( https://link.upgrade.co= m/f/a/3tYnT1PcjZMW6C_NDxDkTA~~/AAQRxRA~/0TWyLXAvDUE60-FzXDecbjppUjX6IopWzS0= pnd9CHhORULwXDsn311kB95_RjR3HYXkW66rviPH3NG3zCAoeLgOuXIBayUL5Rx4gi1ZaEAnvKZ= kOX6LPI6aAP3VDAf8L ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgra= de, Inc. (NMLS #1548935) holds the following state licenses=0A=0A( https://= link.upgrade.com/f/a/Yf95IspVfM0E8ytlFeCB_w~~/AAQRxRA~/PuKf-xfcbsa6x4vt50bv= -Eghwkk3KAo9ssD_S13QxpVB2JyxGRx0UB91EjdLy8CouLU4KYBABPY6hDEse5LkRyHNGHJwmeM= IrzI6M-kXT4k1qCJJlwuoB3LYLXPjO_pTlzp-8UP7deEitIBFd7m8hqBQFA-jnXWuPlycJ5u0xx= xBVzlBddKg9qNPHcRPFvqwUCalbb3t3Bu46GxzrHfMCvK9AFr3EYzL6Mix3KKAOEg~ )=0A and= does business under the following DBAs =0A( https://link.upgrade.com/f/a/r= KO7efNtIgfD_D0eYVm0ng~~/AAQRxRA~/fycBTdZpV96DjxywEyU87c_Lxivz9fuZ0rwRsb7Sr-= UGgR-X4aDCyJVB-2zqZll-5blh7vNCUVJMrqP1a9heOprpAPobe2JxT1CLz9XfTQ8tHbz8RqbBg= e4P0J_nbZBn ).=0A=0AUpgrade is a financial technology company, not a bank = =0A( https://link.upgrade.com/f/a/U4Hwb7hBxS-CVGRaeWUz5A~~/AAQRxRA~/DKHRR2I= YhYPnKyyhrz77_RREaNLf-1VNNWJdIH6OowRwz72kOV8aQqnneVrrzpDRfyADjYR6cy2H5wfb2P= QHe_L0nkH39v28ZGOY7uv98lcUSLYBAmhAlRQUqVlOtqIiAZYnCBD_2oGuE_HZkhoDwaF6UtKfS= woLtYnrNvPDMz5lEUFpWPH_xStnr0EPAok1 )=0A. =0A After acceptance, your fund= s=0Awill be sent within one (1) business day of clearing necessary=0Averifi= cations. Funds availability is dependent upon your bank=E2=80=99s=0Atransac= tion processing time and may take up to 2 weeks if sent=0Adirectly to third= party creditors.=0A=0A=0A=0A facebook =0A( https://link.upgrade.com= /f/a/yGlrkFICXTwxCbPcOVFyDA~~/AAQRxRA~/qhJcvyLuYogozrKBbvyTY3xWG3eFkNil7WvL= IfkNELOsiSbbPt8uAf-gmRi5vIPz8YSeL9aTF9Ir9W42k4lXSwf7QQqerjVdS8JJ-B8PEFDWVK6= h7U-qCwKuqi4Vj3QLaqb8xvAqT1jIVYHDikxfSBAX13byImfLyTS_zkPCJtJ0l3L93FJ5gO34hc= Y07SWN0J6Qlw9PNujFdTXCZ35FjLnGP-0949EP5emlBEHMOkoW-l9ZVz_hk58emqu6RJFS )=0A= instagram =0A( https://link.upgrade.com/f/a/pa49DDWhiQzm2hwAIzv2fw~~/AAQRx= RA~/qhJcvyLuYogozrKBbvyTY_CnDTGn905M-yY94f1mkP7cVW6nMfg9J9QyEnU3xZ423otNOZU= Rj4wl4EdlxfFd48xQpQEKRLxFKX4f410fnjqF_SnOwKR-YBC21osIMTaznQL071bVvpWMEv-VXo= -YXQ6CxUiUbjk2NQCnXrzfXwQqFnqVEqsI-VxA46zd2cc9KEzL-GbkJf07xQyjw78BfdWURAbO2= 309Qp_JUBbsj_qTTxPU1TQy0_uQlfL-ixWJ )=0A blog =0A( https://link.upgrade.com= /f/a/3kuq7dQK2f3fIkSBVWlJyQ~~/AAQRxRA~/fHvOCXQ82Pameh75QCHGfS3CLIdv9-_nBuKi= e9LH-xNQwsmv9X6TAdoP933jy0p6eQdB-mvvh1kR98PtTd0Fwfgi7jPiAu7sUHSdQCVj4UTvBEL= Pk89qgkJMVnDK9kDNFfQNCxQiAv1OGEY-cBtesGrXYuhYe9mLIP53IeRfy0PSGw2GEtSfWb36bD= vobXzR5mOe7f2moC3vZEzJmNN0j_P185mpxy1RQkbuLW0PZE8hr6V_ht7yXhxedc9OXyPB )=0A= Please do not reply directly to this message as it was=0Asent from an= unattended mailbox. 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A= ll rights=0Areserved. Privacy Policy ( https://link.upgrade.com/f/a/CiUE= PVs9mGWbENVVxvr-rg~~/AAQRxRA~/QAUcM0itCen2zDeJlHKFnmEXsxsVmQi8LHmA8RVD9FeVf= HT-lntbWbSHG8cXlSOkINaZ4fN9So-8CqarSuEIcYIxwdeoyXgqm-mH1MOWwEyuYBCUcK7LB0M1= J8jkhs66 )=0A=0A Equal Housing Lender=0A PL_ITA_RE_S1_A --_----WQz1kFATKqWfPZc3/9g0VA===_C7/62-09826-CF544D86 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 =
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=0A =
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=0A=0A =0A=0A =0A =0A=0A=0A=0A =0A=0A =0A =0A= =0A =0A=0A =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A =0A = =0A=0A =0A=0A=0A=0A=0A		Check Your 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
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Hi,
It=E2=80=99s been a while, but we wanted to remind you that Upgrade is= here for you. With a fixed-rate personal loan, you can get the money you n= eed sent directly to your account to use on whatever you want.
=0D=0A =0D=0A =0D=0A =0D=0A
Check Your Rate=0D=0A
=0D=0A
Circumstances can change 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
<= /td>=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 s= upport@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
Personal loans made through Upgrade feature Annual Per= centage Rates (APRs) of 7.99%-35.99% and a 1.85%-9.99% origination fee, whi= ch is deducted from the loan proceeds. Lowest rates require Autopay and pay= ing off a portion of existing debt directly. For certain discounts, collate= ral may be required. Repayment terms from 24 to 84 months. For example, 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 monthly payment o= f $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 be presented= with multiple offers. If offered, your loan terms, including your rate, wi= ll depend on credit score, credit usage history, loan amount, and other fac= tors. Late payments or other fees, as noted in your Borrower Agreement, 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 checkin= g and savings accounts are provided by Upgrade's bank partners. Upgrade Vis= a=C2= =AE Cards and Upgrade Visa=C2=AE Debit Cards are issued by Upgrade's = bank= partners, pursuant to a license from Visa USA Inc.
=0A
=0AU= pgrade, 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
After accept= ance, your funds will be sent within one (1) business day of clearing neces= sary verifications. Funds availability is dependent upon your bank=E2=80=99= s transaction processing time and may take up to 2 weeks if sent directly t= o third party creditors.
=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 =0D= =0A =0D=0A =0D=0A = =0D=0A = =0D=0A
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