Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id UHniDZfb/2h2yAsAchKAPA (envelope-from ) for ; Mon, 27 Oct 2025 15:52:39 -0500 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Mon, 27 Oct 2025 15:52:39 -0500 Received: from bz1170.e.upgrade.com ([223.165.123.182]:30823) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1vDUCk-00000003IXK-2aD9 for info@sterlingcal.com; Mon, 27 Oct 2025 15:52:39 -0500 X-MSFBL: pEFZbeuBeeQ5ederKJOERGriTeH8hX0JrWfvmNEJVew=|eyJjdXN0b21lcl9pZCI 6IjI2NjY5MyIsInRlbmFudF9pZCI6InNwYyIsInN1YmFjY291bnRfaWQiOiI1MzM iLCJtZXNzYWdlX2lkIjoiNjhmZjhiZGJmZjY4NzFhNjYwNzIiLCJyIjoiaW5mb0B zdGVybGluZ2NhbC5jb20ifQ== DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=e.upgrade.com; s=scph0422; t=1761598347; i=@e.upgrade.com; bh=iSyhHn99zoV8s6bL7YdF+l792xNv2n8g+OXrUk3s2pI=; h=From:Message-ID:List-Unsubscribe:List-Unsubscribe-Post:To:Date: Content-Type:Subject:From:To:Cc:Subject; b=mKpm6OMfR3BgeFETJDq1fAlnP2HO6d3wfzsUiGkhTLwhph/syQoMJqfP8OL/KsAY9 YZ2+l128TYXMtbBe2bxjLLZ8YfIcaYvYJrObqEYANAubG6SMdBv/o2JewjClIrKJvM X9jngF9SjjfaSmkVuXFqwG6Gr8rNfP+XVslQ3ykY= Received: from [10.90.6.49] ([10.90.6.49]) by i-05026995f9e87297d.mta1vrest.sd.prd.sparkpost (ecelerity 5.1.0.74659 r(msys-ecelerity:tags/5.1.0.17)) with REST id 27/0E-40498-B8BDFF86; Mon, 27 Oct 2025 20:52:27 +0000 From: "Upgrade" Message-ID: <27.0E.40498.B8BDFF86@i-05026995f9e87297d.mta1vrest.sd.prd.sparkpost> List-Unsubscribe: , List-Unsubscribe-Post: List-Unsubscribe=One-Click To: info@sterlingcal.com Date: Mon, 27 Oct 2025 20:52:26 +0000 Content-Type: multipart/alternative; boundary="_----qxSqNo0dU3qR+LsNjioUFw===_D3/0E-40498-A8BDFF86" MIME-Version: 1.0 Subject: Inside: Upgrade has options for you Reply-To: noreply.email@upgrade.com X-Spam-Status: No, score=0.4 X-Spam-Score: 4 X-Spam-Bar: / X-Spam-Flag: NO --_----qxSqNo0dU3qR+LsNjioUFw===_D3/0E-40498-A8BDFF86 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset="UTF-8" =0A=0A=0A=0A=0A=0A=0A=0A=0A Upgrade 96=0AStart today and see wh= at savings Upgrade can offer.=0A=0A( https://link.upgrade.com/f/a/Z1DYiuI26= daGxp8pVnFDPw~~/AAQRxRA~/o59BfNh1WamluO5zIBrB1oLAsFhLW83_QTXkX1VvS3t11QZLlu= dD7CXbiwRNF0RtAiCqBJMNTcfMV8N64VInFxHiPxTHmy4V-rnvKMVkaJg~ )=0A=0A=0A=0A=0A= =0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0AHi,=0AThere are some thi= ngs you shouldn=E2=80=99t ignore, and high-interest=0Adebt is one of them. = An easy place to start is to check your rate=0Afor a personal loan through = Upgrade and see what you can save.=0A=0A=0A=0A=0ACheck Your Rate (=0Ahttps:= //link.upgrade.com/f/a/8N4nu1U-sXaPFgm6e5tWuQ~~/AAQRxRA~/z5IAMPSDYj1kmjAfpR= qfuug6kupDO8rEbnxR6WRJb9uH-8t8B1mWusqEDCdnPZzmiO6BOdcizkiw6GUgaTQgChrIHBDVd= R1B8b-1Tj-l8JXFW0xEoznBauJSaW21B-75_tdMtLqlgmCk8FU1yd8pExKtsxuPVuwFNgS9tcp_= roc2RiGxlR4PCWS9JgBCPX2P_BzfgFdfUnZnN8vhwtM0Gm2nFwtrqSdLMiFAm0CUxFglH0QO95V= MqnYhXI5uB2Aq=0A) =0A There=E2=80=99s no obligation or=0Aimpact on yo= ur credit score when you check your rate, so don=E2=80=99t=0Aignore that hi= gh-interest debt any longer and see what you can=0Asave! Thanks,=0AThe Up= grade Team If you have questions, we're here=0Ato help. su= pport@upgrade.com Personal loans=0Amade through Upgrade featu= re Annual Percentage Rates (APRs) of=0A7.74%-35.99%. All personal loans hav= e a 1.85% to 9.99%=0Aorigination fee, which is deducted from the loan proce= eds. Lowest=0Arates require Autopay and paying off a portion of existing de= bt=0Adirectly. Loans feature repayment terms of 24 to 84 months. For=0Aexam= ple, if you receive a $10,000 loan with a 36-month term and a=0A17.59% APR = (which includes a 13.94% yearly interest rate and a 5%=0Aone-time originati= on fee), you would receive $9,500 in your=0Aaccount and would have a requir= ed monthly payment of $341.48.=0AOver the life of the loan, your payments w= ould total $12,293.46.=0AThe APR on your loan may be higher or lower and yo= ur loan offers=0Amay not have multiple term lengths available. Actual rate = depends=0Aon credit score, credit usage history, loan term, and other=0Afac= tors. Late payments or subsequent charges and fees may=0Aincrease the cost = of your fixed rate loan. There is no fee or=0Apenalty for repaying a loan e= arly.=0A All loans, Personal Credit=0ALines, and checking and savings accou= nts are provided by=0AUpgrade's bank partners ( https://link.upgrade.com/f/= a/WVZ8OfmPw_mWjyCTOopBKQ~~/AAQRxRA~/ZaUqL5ifsJ9eZ5mV5-ElaLpb0BHltwQsLsWeUuY= 0oCYQZoubiA3hrGiEiMQipk9RHCDU0rSEPi2ByyzodxfHbM8T4l60dDWsc0NAyPbi4JWy01ul53= NeCxyJtvd0Bq1L ) . Upgrade Visa=C2=AE Cards and Upgrade Visa=C2=AE Debit Ca= rds are issued=0Aby Upgrade's bank partners =0A( https://link.upgrade.com/f= /a/WVZ8OfmPw_mWjyCTOopBKQ~~/AAQRxRA~/ZaUqL5ifsJ9eZ5mV5-ElaLpb0BHltwQsLsWeUu= Y0oCYQZoubiA3hrGiEiMQipk9RHCDU0rSEPi2ByyzodxfHbM8T4l60dDWsc0NAyPbi4JWy01ul5= 3NeCxyJtvd0Bq1L ), pursuant to a license=0Afrom Visa USA Inc.=0A=0AUpgrade,= Inc. (NMLS #1548935) holds the following state licenses=0A=0A( https://lin= k.upgrade.com/f/a/IaD4WpmkAnDucRdiCncqBg~~/AAQRxRA~/Rx8xGWCoDRp9CZFtCLXtP-_= HXNqkY4UR7GKTLCONQ3KTp3GXtEX4f5aalPhUySNGqn8DxdF3n6rs0E6lAH_POJLjH75vWXtHY3= uER2IrR2gxEgx57KL1dn-JFeZIHsxQfmhJA03UuYSO1t6vS5OutRt805J-RkKRNKCYRGXikXbA9= x8cZhxW1JuLZWDfLPb5Kc5BbFX6rVv5r91vrtHl-OIzaazC0EroSgq9Y-CFC2s~ )=0A and do= es business under the following DBAs =0A( https://link.upgrade.com/f/a/FpYa= HZlsS7N0PDuPaqkjUA~~/AAQRxRA~/ouVQrYNmj84GtmRLfU9P5B8LDiVf2U3lCsCe_LGGKks76= kcLBC41lN7mvL-EpbriI2g-amlXRrYZNnd-cUMntCmRdoumElWGHqZ6lgpfV9xsWTvAJIjG4p2G= v8CQ8OJm ).=0A=0AUpgrade is a financial technology company, not a bank =0A(= https://link.upgrade.com/f/a/HbWMrqanz8GA_FFpOP1rGw~~/AAQRxRA~/k8RbXPpAMe0= VFeKCYRFMC3oeL378MkiWp6oCvftUJ-FjsOFSSR_aSzXYWlV207PBeEmNTf00Ki6Avw7NyR2Zzi= VRwDpEJ4P8FmQokjgAWT3yuZ9f8vXTp13Xk57nl7yOU5xl2zMKPJFkJvdt6TqDXYEhbYrUCXNLD= Gq19zV4hs3YaTCwTgfasQg0_6jBooRq )=0A. =0A After acceptance, your funds=0A= will be sent within one (1) business day of clearing necessary=0Averificati= ons. Funds availability is dependent upon your bank=E2=80=99s=0Atransaction= processing time and may take up to 2 weeks if sent=0Adirectly to third par= ty creditors.=0A=0A=0A=0A facebook =0A( https://link.upgrade.com/f/a= /MPmOVvnG9jUSK51X5vWDgw~~/AAQRxRA~/Acw90aXy28mFh6UjFKJHGJygxYvT-6og6nfvRB_j= JK2IdGR1BzLZQ6zYQ-0_mgO5r5mxS92iBNhEj67D7xZvC3pKAnpOf54-AAWjzbZ3g86ENSnD94x= LJ43cdpHUTeyH2uvN4r9A2NssNiWRtsTktHenzzXpGWIt6H8Xp5znpC6AYhfuI63fHnxKIwEphN= UEYh3Tvl5YdvLj9bimXq1sUpgRPvJc0Nix_YEO8Qqb9SEy8iY1_u3SUU4M0Llt4ex8 )=0A ins= tagram =0A( https://link.upgrade.com/f/a/bEPUyw-CLninMnIO0HQmOA~~/AAQRxRA~/= Acw90aXy28mFh6UjFKJHGL7M0xBr5Tj8Q9kSy-c-2wJpew1nBRbuOEPh-9c1HSQDMRMsm1S_f3s= -05J8HxgJ1OhBs55_uZY1ohOsK2DrlD5FUFNlyt6AinK42k88Blbx1hukXXnYPlRrOoTJ03cCmS= yAvHEImx4_HaaeBaTjkf8rVzv7vcC7YgYtZyDHSr_67Ihj7JJUylxpDogNqGud9sIyqENuZlBMn= z_expOOI0RniOa-19_4iW51ux8_wbKm )=0A blog =0A( https://link.upgrade.com/f/a= /RsTCp9f40QMShWX0iK7Cdw~~/AAQRxRA~/6KBVZtTcknMa7ZEqGGbOqQWjRPDCNpgMI3ZaV2Y3= XRx_gW0U2oZAtU7uY9K3u6gkfyw1lXN8waZ3MJAbxsR80Z783D-HKHr4KLf807TbEbmh66uM7ef= 7linQJ_JrytM-mzsCniX-oA91hbIg4V58uhWnBe2y_DzAxpd0y5x1ROCP2bqJ7I8rFpycUDRp0r= s6npF0Q16PEafsIGWhgnSgeNLm4UHUNEpruyzV2VHsbBFrMRu_NcMu8xwnaCSI-dp9 )=0A = Please do not reply directly to this message as it was=0Asent from an una= ttended mailbox. This email contains=0Aadvertising content and was sent = to=0Ainfo@sterlingcal.com ( # ) based on your=0Acommunication preferences. = No longer want to receive these=0Aemails=3F Unsubscribe ( https://link.u= pgrade.com/f/a/4cU3bvP9ChVUNgbm8Thv5Q~~/AAQRxRA~/R0ofQvV9jP9wqL4zAMRGybBZZ8= 8EKmBsnLTu4jmcBKMfL_H_jjXHgAP41u-KlKqyBGzs0WLHUvKu6HVYx0eK6SA_mdCFesIHbzYfp= JCNwKuJBY5ezZL8rf6AK_wLKPdbOnz3EHk7QfE9ZYB5nPqPM0BjByFUusDwcofhL3rOPb1clPy3= 8FCSdJm71T9t6F73Lr42UF7M-cW7h6IqKobrEzVFbsiZ_qVdbtDUga26OsyfACwy-QyfUkDT593= TC2O9BAw_yEqHruxwXwB418dqcejSzK6V0UVrywLZoV6shorVfGzJMjVqpLfRtI0cFg4AekQ2oe= j0zZG1_4b6wM9UzsXGf9BDwsvvRwRv_y-yUTgf-Ycilp5xe56kOOl2t_cFNIUlZrqFNi1EQASbG= JVvnmXnQ3V_9QtVg7HK256uI7FUlw90J6_qyHt5YeRsUFEWlONF5n9dG1zQwuW_oQwAT8VWLowQ= ysHDnTdfvC8tcSyn12oobWA0s4STdfg8ZnQJN4manUo3jEzZk-08eAW2Q8Sf1SjqubfIl3PgWu_= hn7C7Yk_UsfSrinCiUPE9bmo2fA8-EQOdCYBCDjt-ysHVOaOKSzWOrQOTsFfmP8ogL7OfcHOK9E= XsPNPogzs4e6jEuZdEG78hEQpuMfgoO9KNCcSYAAqABv6otf2NshH16_8olt5ctshsrWPdAyIz8= V8eJok4quyp6RiJRosfcNhfWMF0fkEMCPPEt97HOzsLcKbxUGhOdBgpAjtLUnAP4ZJC )=0A or= Update Preferences (=0Ahttps://link.upgrade.com/f/a/o1qJhCC31o6bISUtNm2Wrw= ~~/AAQRxRA~/gojBfk-Elofqhza8wCDaCxCLQKsv8V_fcsCSwHgit-ot2lXquHLO1pqun911rr1= fjJX0fh405ff1wsfeCXwG_uQRoUgV88oBhT4QOtBDK_gISHMstnSet_Y9snZAlOJKrD1TivOXVU= k11zbpGqN8sr7ZmrVQqIUikAVQIOpx14RDu5I8muezeM8c3N58QWIaTvVewYq46cdRfOseoNuwj= 4pr-cOepdX-VFbqbsMPJYQZ10EJQa41ogwZrvzZAgrcWq3GjA6tn-VAXyGqwssiIXeTfzfl344x= m1tGWnlVnw2Zdgd1fBDOmf29TMCsvFT3Ia-zspJuGZAVVMU0vwNZf9uHIQCHp-n1QSEGnNAFUuF= 1XK2EZmRZhStmDAyu7mBg-hlupAhZ1l7VJniNovxQ4JsbjfjMtsPrZSg3vcw66fnrq-waYS5OYB= EH0NHqtQ5Qu9FQ7d9gWlK5x24oHbeIVaJ_7ipYGFM7fp5Kf5JCuyyE8JQa5BE8Pf2OW2fo1XjE6= vGv3i8xtZmHzcVBtNn_MtrrpDKKluZrNtOILNrQlNG0V1w-5yVHiQveYJJSlo3Ux36lsXFB4Gi2= knZyVccTEFyMT3PvqdO9f0T69IHkF8iZ3IYJDAKarZu14z8UNb4EKXsCeYnd4zFY-jDfCaZAmXY= y-9qxajxhabP94KNbeqI5uTipPs2TQKzQTKJt6dApUXoSVmGuOuXwnCQd_lbb8DB1CRHyGhhOmu= yEZldFcXqm3ZQgZ2yqtO_AlplFb6nkEdgNwq2_OBRf3P9l4mqRHhXl0OIFAVXAmFkwJkG_pNc1e= Fm_CMNkxnsWUK2Ixd-FZrVQYQjjqzMsNiK9dNQI9bA-8XUv8JISF9-tR5DOq-_bNsKa38fLE5i-= dh_xh9ilGVFDIbaxvMG-jwW3r9qtD21RyfnhLVRyFOnwh7ZpwJD9gtml6OMeOmO9fpyZvdEjd3e= gEqewqIMKKSLuQBeuRsw1PGulWHaVCcjQTjFrkT4FIrQyBj3ysDUkk7LV2mvk2eWql7Tz-uLOuH= IRSJRDw8utD33jiukAq-tyvDNFFIugOHuhu0r5HqOJiIzAb9OoClioM-rXVNb8abmctO5kzVWJW= PYvTzh3gcAorlsZGeZ7pS0C2935rsE7ZTpHZ-ZDHpUCx42ziuCSHq2H53yx64905ogmgjnBU84P= yChfSSs~ )=0A Upgrade Upgrade is=0Alocated at 275 Battery Street,= 23rd Floor, San Francisco, CA,=0A94111=0A=C2=A9 2025 Upgrade, Inc. All rig= hts=0Areserved. Privacy Policy ( https://link.upgrade.com/f/a/J08kqHMI2p= UuC2FXe0urqw~~/AAQRxRA~/DuT0n9TEpE8HmTuxYeGE_YZ0fLP4ibeQTbHvmTiVtYlI3wm-zKc= g5ftzHgKBEewmqCdv02iTIqRu7AqoOSMD9OfVHaQ4AuLbqUUAyJpGLJ55hNGcZ3kj1VULkt0qbU= uF )=0A=0A Equal Housing Lender=0A PL_ITA_RE_S3_a --_----qxSqNo0dU3qR+LsNjioUFw===_D3/0E-40498-A8BDFF86 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 =0D=0A
= Start today and see what savings Upgrade can offer.
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Hi,=0D=0A
There are some things you shouldn=E2=80=99t ignore, and high-= interest debt is one of them. An easy place to start is to check your rate = for a personal loan through Upgrade and see what you can save.
=0D=0A =0D=0A =0D=0A =0D=0A
Check Your Rate=0D=0A
=0D=0A
There=E2=80=99s no obligation= or impact on your credit score when you check your rate, so don=E2=80=99t = ignore that high-interest debt any longer and see what you can save!
Thanks,
=0D=0A The Upgrade T= eam
=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
If you have qu= estions, we're here to help.=0D=0A
=0D=0A support@upgrade.com<= /a>=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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Personal loans made through Upgrade feature Annual Percentage Rates (AP= Rs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination f= ee, which is deducted from the loan proceeds. Lowest rates require Autopay = and paying off a portion of existing debt directly. Loans feature repayment= 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 interest r= ate and a 5% one-time origination fee), you would receive $9,500 in your ac= count and would have a required monthly payment of $341.48. Over the life o= f the loan, your payments would total $12,293.46. The APR on your loan may = be higher or lower and your loan offers may not have multiple term lengths = available. Actual rate depends on credit score, credit usage history, loan = term, and other factors. Late payments or subsequent charges and fees may i= ncrease the cost of your fixed rate loan. There is no fee or penalty for re= paying a loan early.=0A =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 Upgrade's bank p= artners, pursuant to a license from Visa USA Inc.
=0A
=0AUpg= rade, 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 acceptan= ce, your funds will be sent within one (1) business day of clearing necessa= ry verifications. Funds availability is dependent upon your bank=E2=80=99s = transaction processing time and may take up to 2 weeks if sent directly to = third party creditors.
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