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ght-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 10=
0%;"><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%;">=0A     =
       <tbody>=0A              <tr>=0A                <td style=3D"font-siz=
e: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
xt-size-adjust: 100%; padding: 0px;" valign=3D"top"><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%;">=0A                    <tbody>=0A   =
                   <tr>=0A                        <td align=3D"center" vali=
gn=3D"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"h=
ttps://link.upgrade.com/f/a/JIShuvGkLx9u8mun8fK0pg~~/AAQRxRA~/FWuTmwmQi_dkR=
7flUPPwddLIcA4kiQRW6LE8r8kmN51p_75kZfRuo4_8hmBN_8vMN0SFh-LptmDtML1hxtBpxQTI=
W8R1Blhgr72o4xv6_LS_MWg1icLHBjGBMYCw4tcIMIfxklPzgSBJPIAQjTs49SH6_SWbRWVAGjv=
NQ7wm7IHPVxh142RyUaYesYHWWAfQZShDPQGJ60C23cWnAxaGUQ~~" style=3D"font-family=
: Graphik, Helvetica, Arial, sans-serif; text-align: center; font-size: 20p=
x; color: #00AF6A; text-decoration: none; mso-line-height-rule: exactly; -m=
s-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><img alt=3D"&nbs=
p;" border=3D"0" height=3D"33" src=3D"https://braze-images.com/appboy/commu=
nication/assets/image_assets/images/63348ce6db77c73d707010e4/original.png=
=3F1664388326" style=3D"outline: 0px; width: 144px; height: auto; font-fami=
ly: Graphik, Helvetica, Arial, sans-serif; font-size: 24px; color: rgb(0, 1=
75, 106); image-rendering: auto !important; text-decoration: none; -ms-inte=
rpolation-mode: bicubic; padding: 0px; border-width: 0px;" title=3D"logo" w=
idth=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_payment_dpd_day01-->=0A=
  =0A<span style=3D"font-size: 0px; line-height: 0;">=0A  =0A  =0A=0A=0A=0A=
=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A=0A</span>=0A</td>=0A            =
              </tr>=0A                        </tbody>=0A                  =
    </table></td>=0A                  </tr>=0A                </tbody>=0A  =
            </table></td>=0A          </tr>=0A        </tbody>=0A      </ta=
ble>=0A      =0A      <!--PRIMARY CONTENT-->=0A      =0A      <table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#ffffff">=0A   =
     <tbody>=0A        =0A        <tr>=0A          <td align=3D"center" sty=
le=3D"mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-te=
xt-size-adjust: 100%; padding: 40px 0px 30px;"><table border=3D"0" cellpadd=
ing=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%;">=0A              <tbody>=0A               =
 <tr>=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"left">=0A<span style=3D"font-si=
ze: 0px; line-height: 1; display: none;"></span>Hi <span style=3D"word-brea=
k: keep-all;">Timothy</span>,</td>=0A                </tr>=0A              =
  <tr>=0A                  <td class=3D"body1" style=3D"font-family: Graphi=
k, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686=
C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 15px 0px 20px;" align=3D"left">This is a remi=
nder that your account 320794403 is past due in the amount of $317.36. Plea=
se sign into your account and schedule a payment at your earliest convenien=
ce.</td>=0A                </tr>=0A              <span style=3D"font-size: =
0px; line-height: 1;">=0D=0A=0D=0A=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" styl=
e=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-h=
eight: 24px; color: #ffffff !important; mso-line-height-rule: exactly; -ms-=
text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;">=0A<=
!--/BUTTON STARTS HERE-->=0D=0A      <table align=3D"center" class=3D"cta_t=
able" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 275p=
x; border-collapse: separate; -webkit-border-radius: 8px; -moz-border-radiu=
s: 8px; border-radius: 8px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -=
ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border: 2px soli=
d #0E680E;" bgcolor=3D"#0E680E">=0D=0A          <tr>=0D=0A              <td=
 height=3D"45" style=3D"height: 40px; color: #ffffff; mso-line-height-rule:=
 exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" vali=
gn=3D"middle" align=3D"center"><a alias=3D"" href=3D"https://link.upgrade.c=
om/f/a/MFnWOtUycVwF9Fg4-9_jWg~~/AAQRxRA~/SWluXtBRlaQBrig9xBeXt_DSGS0wSKkmc_=
qzHIDL5OxPMxYyCaA8pvY7-KFee4RUrbfz-PqAXFY3FjtFOE63TcCoEv2hereaNY05pBOeVpjIV=
sBTSYyRoLqb897S6AuxwsI1cVV7b7_mHKMjbc-8nJXMLMb-Jt010H8jUayDsnD_8IZ_HOjBTI7r=
MZZaKG3DLAahiHt8ruooVfDfzjK4ztZBqetjOoQ29yGC8tpCI-RErp2Tm6SLfRyY-LvGVS0IVCb=
WFEPDImEMBWQ9vaZ21g~~" =3D"" style=3D"display: block; font-size: 16px; line=
-height: 24px; font-family: Graphik, Helvetica, Arial, sans-serif; font-wei=
ght: 500; color: #ffffff !important; text-decoration: none !important; lett=
er-spacing: 0.5px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100=
%; -webkit-text-size-adjust: 100%; padding: 10px;"><!--[if mso]>&nbsp;&nbsp=
;&nbsp;<![endif]-->Schedule A Payment<!--[if mso]>&nbsp;&nbsp;&nbsp;<![endi=
f]--></a></td>=0D=0A          </tr>=0D=0A      </table>=0D=0A  </td>=0D=0A<=
/tr>=0D=0A=0D=0A=0D=0A=0D=0A=0A                <tr>=0A                  <td=
 class=3D"body1" style=3D"font-family: Graphik, Helvetica, Arial, serif; fo=
nt-size: 16px; line-height: 24px; color: #686C78; mso-line-height-rule: exa=
ctly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: =
20px 0px 0px;" align=3D"left">You may also give us a call at: <b>(844) 334-=
3551</b>=0A</td>=0A                </tr>=0A                   =0A          =
    <tr>=0A                <td class=3D"body1" style=3D"font-family: Graphi=
k, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color: #686=
C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-tex=
t-size-adjust: 100%; padding: 20px 0px 0px;" align=3D"left">Thanks,<br>=0A =
                 The Upgrade Team </td>=0A              </tr>=0A=0A        =
      </tbody>=0A              =0A            </table></td>=0A        </tr>=
=0A        </tbody>=0A        =0A      </table>=0A      =0A      <!--CONTAC=
T US OR DOWNLOAD -->=0A      =0A      <table border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" style=3D"width: 100%; border-collapse: collapse; mso-tab=
le-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-=
text-size-adjust: 100%;">=0A        <tbody>=0A          <tr>=0A            =
<td align=3D"center" style=3D"mso-line-height-rule: exactly; -ms-text-size-=
adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;"><table border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; border-col=
lapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-siz=
e-adjust: 100%; -webkit-text-size-adjust: 100%;">=0A                <tbody>=
=0A                  <tr>=0A                    <td class=3D"body1" style=
=3D"font-family: Graphik, Helvetica, Arial, serif; font-size: 16px; line-he=
ight: 24px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" align=3D"center"=
>   <table class=3D"bg_strong" align=3D"center" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600px !important; 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"f=
ont-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: 30px 0px 0px;" align=3D"cen=
ter">If you have questions, we're here to help.</td>=0D=0A     </tr>=0D=0A =
    <tr>=0D=0A      <td class=3D"mbl_text_cs body1" style=3D"font-family: G=
raphik, Helvetica, Arial, serif; font-size: 16px; line-height: 24px; color:=
 #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webki=
t-text-size-adjust: 100%; padding: 3px 0px 0px;" align=3D"center">=0A<a hre=
f=3D"mailto:servicing@upgrade.com" style=3D"text-decoration: underline; ver=
tical-align: top; display: inline-block; color: #1F63D2; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">s=
ervicing@upgrade.com</a> | <a rel=3D"nonopener" target=3D"_blank" alias=3D"=
support call" href=3D"tel:(844)334-3551" style=3D"text-decoration: none; co=
lor: #1F63D2; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -w=
ebkit-text-size-adjust: 100%;">(844) 334-3551</a>=0A</td>=0D=0A     </tr>=
=0D=0A     <tr>=0D=0A      <td class=3D"mbl_text_cs body1" style=3D"font-fa=
mily: 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: 3px 0px 30px;" align=3D"center">M=
onday - Friday: 5am - 7pm =E2=80=A2 Weekends: 6am - 5pm PT</td>=0D=0A     <=
/tr>    =0D=0A   </table>=0A</td>=0A                  </tr>=0A             =
   </tbody>=0A              </table></td>=0A          </tr>=0A        </tbo=
dy>=0A      </table>=0A      =0A      <!--FOOTER STARTS HERE-->=0A      =0A=
      <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D"widt=
h: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace=
: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=
=3D"#ffffff">=0A        <tbody>=0A          <tr>=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-adj=
ust: 100%; -webkit-text-size-adjust: 100%;">=0A                <tbody>=0A  =
                <tr>=0A                    <td class=3D"body3" colspan=3D"3=
" style=3D"font-family: 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">=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A  IMPORTANT NOTICE: Late=
 payments, missed payments, or other defaults on your account will be repor=
ted to the credit bureaus.=0D=0A=0D=0A=0D=0A=0D=0A=0D=0A<br><br>=0D=0A=0D=
=0A=0D=0A=0D=0A=0A                    </td>=0A                  </tr>=0A   =
               <tr>=0A                    <td class=3D"body3" style=3D"font=
-family: Graphik, Helvetica, Arial, serif; font-size: 12px; line-height: 16=
px; color: #686C78; mso-line-height-rule: exactly; -ms-text-size-adjust: 10=
0%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"left">=
=0A<span style=3D"display: none; font-size: 0px; line-height: 0;"> =0D=0A=
=0D=0A=0D=0A=0D=0A </span> =0D=0A  =0D=0A<table align=3D"center" border=3D"=
0" cellpadding=3D"0" cellspacing=3D"0" style=3D"width: 100%; max-width: 600=
px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt=
; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" bgcolor=3D"#=
ffffff">=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: 5px 0px 0px;"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" style=3D"width: 100%; border-top-width: 1px; border-top-color: #ecec=
ec; border-top-style: solid; border-collapse: collapse; mso-table-lspace: 0=
pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-ad=
just: 100%;">=0D=0A        <tr>=0D=0A          <td style=3D"font-family: Gr=
aphik, Helvetica, Arial, sans-serif; font-weight: bold; font-size: 12px; li=
ne-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%;=
 -webkit-text-size-adjust: 100%; padding: 15px 0px 0px;" align=3D"center">P=
lease do not reply directly to this message as it was sent from an unattend=
ed mailbox. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td s=
tyle=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px=
; line-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adjust: 1=
00%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"cente=
r">This email was sent to <a href=3D"#" class=3D"disabled-link" style=3D"fo=
nt-family: Helvetica, Arial, sans-serif; font-size: 12px; color: #37383A; t=
ext-decoration: none; cursor: none !important; mso-line-height-rule: exactl=
y; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" alias=3D"us=
er_email">tjphuhs@gmail.com</a> based on your communication 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; l=
ine-height: 16px; color: #686C78; mso-line-height-rule: exactly; -ms-text-s=
ize-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" a=
lign=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" sty=
le=3D"width: 100%; 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 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/appboy/communication/assets/image_assets/image=
s/64a74a9cc06c460050dbcfc2/original.png=3F1688685212" alt=3D"Upgrade" title=
=3D"Upgrade" border=3D"0" width=3D"120" height=3D"auto" style=3D"width: 120=
px; height: auto; image-rendering: auto !important; outline: none; text-dec=
oration: none; -ms-interpolation-mode: bicubic; border-width: 0;"></td>=0D=
=0A                </tr>=0D=0A              </tbody>=0D=0A            </tab=
le></td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=3D"f=
ont-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; line-he=
ight: 16px; color: #37383A; mso-line-height-rule: exactly; -ms-text-size-ad=
just: 100%; -webkit-text-size-adjust: 100%; padding: 10px 0 0;" align=3D"ce=
nter">Upgrade is located at 275 Battery Street, 23rd Floor, San Francisco, =
CA, 94111</td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td styl=
e=3D"font-family: Graphik, Helvetica, Arial, sans-serif; font-size: 12px; l=
ine-height: 16px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%=
; -webkit-text-size-adjust: 100%; padding: 10px 0px 0px;" align=3D"center">=
=0A<span class=3D"goomoji">=C2=A9</span> 2026 Upgrade, Inc. All rights rese=
rved. </td>=0D=0A        </tr>=0D=0A        <tr>=0D=0A          <td style=
=3D"padding-top: 10px; font-family: Graphik, Helvetica, Arial, sans-serif; =
font-size: 12px; line-height: 16px; color: #37383A; mso-line-height-rule: e=
xactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align=
=3D"center">=0A<a alias=3D"cta3_txt_privacy" href=3D"https://link.upgrade.c=
om/f/a/_TcJ2EyjxreQwOMqLaEpLg~~/AAQRxRA~/jpPRB25oNicKas-uDlptAacvwnDrJwB_zM=
CYnmLLPmpOHNdBTI9rKeodxOMMCPJu1oBxL3qekUDPdrhdMmVbckWePUuV2vejlvs75yowEifFE=
8zE7iBahEr4m6BYAIYZ" style=3D"font-family: Helvetica, Arial, sans-serif; fo=
nt-size: 12px; color: #37383A; text-decoration: underline; mso-line-height-=
rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"=
>Privacy Policy</a> &nbsp;&nbsp;|&nbsp;&nbsp; <a alias=3D"cta3_txt_terms" h=
ref=3D"https://link.upgrade.com/f/a/-EQIo4kRKHswRfUb04FzFQ~~/AAQRxRA~/e7_p-=
_LSAwbh5GZxAdwwyDxLrsbrAUVDcTtadTNZT84j5CDYd42MI59Zw1dszt6z9lYcarF1D1IlcJ5X=
6DRWP9HNaqQSK8FkKAvhFPkgvn7SGW5OUGJJA8moqlBBZIdXQ9KM9RMKE7lEOi-Mf3_qKtbZST8=
RM8akMxKqKV6vJO0~" style=3D"font-family: Helvetica, Arial, sans-serif; font=
-size: 12px; color: #37383A; text-decoration: underline; mso-line-height-ru=
le: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">T=
erms of Use</a>=0A</td>=0D=0A        </tr>=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;"><img=
 src=3D"https://braze-images.com/appboy/communication/assets/image_assets/i=
mages/62c712c2931f9e0069af31f2/original.png=3F1657213634" alt=3D"Equal Hous=
ing Lender" title=3D"Equal Housing Lender" border=3D"0" style=3D"image-rend=
ering: auto !important; height: auto; outline: none; text-decoration: none;=
 -ms-interpolation-mode: bicubic; border-width: 0;"></td>=0D=0A        </tr=
>=0D=0A      </table></td>=0D=0A  </tr>=0D=0A</table>=0D=0A</td>=0A        =
          </tr>=0A                  <tr>=0A                    <td class=3D=
"body3" style=3D"color: #ffffff; font-family: Graphik, Helvetica, Arial, se=
rif; font-size: 12px; line-height: 16px; mso-line-height-rule: exactly; -ms=
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